vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
Many, many, many times have I requested to have my home appraised for the current market value and to then have PMI removed. I made these requests starting last XXXX, XXXX, XXXX, several requests in XXXX, XXXX and XXXX. I also filed several complaints following my requests with CFPB because Shellpoint Mortgage XXXX REFUSED to advance my request, challenge it as I did, in writing and by phone ( as per Caliber 's guidelines who held the note on my mortgage ). I was told SEVERAL times by Shellpoint supervisors to whom my request and concerns were escalated on the phone, that they would contact the Shellpoint 'PMI ' department and a supervisor there would initiate steps, and also email me the form, for what would have been either an independent appraisal or a BPO, which I would have to pay for.m I never received the forms, or an email. Instead I received declines on all my requests that were based on the new, increased market value of my home ( per market survey data in XXXX ). So EVERY SINGLE REQUEST THAT I MADE SHOULD HAVE MOVED FORWARD UNDER CALIBER HOME LOANS. The most recent response to my CFPB complaint from Shellpoint XXXX, detailing all of this, tells me now that as per XXXX, the new 'indentured trustee ' of my mortgage is XXXX XXXX ( as of XX/XX/2023 ) and the guidelines that they use are XXXX and -- the increased value based on extensive renovations that I undertook do NOT apply or provide eligibility for PMI removal. HOWEVER - EVERY SINGLE REQUEST I MADE WAS WITHIN THE TIMEFRAME THAT, CALIBER HOME LOANS HELD MY MORTGAGE and SHELLPOINT FAILED TO HONOR THOSE REQUESTS, or MOVE THEM FORWARD, CAUSING DELAY AFTER DELAY for MONTHS. And now this agent who responds to these CFPB complaints tries to tell me the new owner/indentured trustee, does not hold the the FNMA guidelines for PMI removal. Well WHAT ABOUT THE 7 MONTHS WITHIN WHICH I MADE THE REQUESTS AND WHEN THE FNMA GUIDELINES DID APPLY SINCE CALIBER WAS THE MORTGAGE OWNER AND FNMA backed my mortgage?? LOOK AT THE CALLS/REQUEST I MADE AND THE TIMELINES- THIS IS A FRAUD AND A SHAM, DECEITFUL AND UNETHICAL THAT SHELLPOINT HAS NOT FOLLOWED THROUGH ON ANY REQUEST I MADE FOR AN INDEPENDENT APPRAISAL TO THEN DETERMINE VALUE AND PMI REMOVAL THE ENTIRE TIME THEY 'PROVIDED SERVICE ' on behalf of XXXX Shellpoint needs to rewind the tapes and listen to all of my recorded calls with their operators and supervisors requesting PMI removal and next steps. Just like when Shellpoint took over servicing of my loan they screwed up my mortagge amount and began charging me for an icnreased mortage that I never took out. It took XXXX MONTHS + to get that resolved due to the inept staff and SHELLPOINT NOT HONORING OR PAYING ATTENTION TO THE MORTGAGE AMOUNT OR THE DEFERMENT AGREEMENT IN PLACE WITH CALIBER.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am reaching out to you once again to express my concerns and dissatisfaction with the manner in which Discover Bank has handled my recent claim for fraudulent charges on my credit card account ending in XXXX. 

On XX/XX/2023, my phone was stolen, leading to multiple unauthorized transactions across my credit card accounts with several banks, including Discover Bank. The fraudulent transactions resulted in a total of {$450.00} unauthorized charges on my Discover account. This crime has been reported to the XXXX Police Department as part of a financial fraud investigation ( Case No : XXXX ), with the event being detailed in the attached police report authored by XXXX XXXX ( # XXXX ). 

Despite this, Discover Bank denied my claim, stating that the transactions were verified via my email and phone - both of which were in the hands of the thieves at the time. Furthermore, they insinuated that I should have reported the theft and fraudulent activity earlier, ignoring the fact that my ability to do so was compromised due to the loss of my phone. 

In stark contrast to Discover 's conclusion, other leading financial institutions such as XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, who also had my cards in the mobile Apple Pay wallet at the time of the theft, have conducted their investigations and unequivocally confirmed that the transactions in question were indeed fraudulent. This leads me to question the rigor and integrity of Discover 's investigation. Why does their conclusion deviate so markedly from those of these other major banks? 

Under the provisions of the Fair Credit Billing Act ( FCBA ), I am safeguarded from bearing liability for unauthorized charges on my credit card account beyond {$50.00}. Many credit card issuers, including Discover Bank, ostensibly operate under a zero-liability policy for fraudulent charges. It appears, however, that Discover Bank has chosen to ignore these protections in my case. 

I strongly request the CFPB to step in and conduct an impartial review of my case. Discover Bank 's refusal to acknowledge the evidence and honor their own zero-liability policy amounts to a violation of my rights as a consumer. Attached to this letter, you will find the police report, evidence of fraudulent transactions, and other related documents for your perusal. 

Thank you for your attention to this matter. I am hopeful that your intervention will bring about a just resolution to this matter. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I paid for a XXXX bedroom apartment stay on XXXX via my Chase Sapphire Reserve credit card. The host moved me into a studio at XXXX when they couldn't get access to my booked apartment. XXXX spent XXXX days giving me the runaround, then said that they're not going to refund the difference in cost and closed the case. When I disputed the charge to Chase, they declined to continue the dispute because I stayed in the smaller space while trying to resolve the issue with XXXX. Now I have to pay for a space that I never got to see!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The following item is too old to be on my credit file : XXXX XXXX XXXX ( Account # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report, which I brought to the attention of TransUnion on XX/XX/XXXX. Despite my initial contact, TransUnion has not responded or addressed the following discrepancies. I kindly request your assistance in resolving this matter. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$13000.00} ) TransUnion has erroneously reported a late payment on the XXXX XXXX account. I want to emphasize that this account has never been late. Therefore, I request the immediate removal of the late payment notation from my credit report. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$12000.00} ) TransUnion incorrectly indicates a late payment on the XXXX XXXX account. I would like to clarify that this account has never been late. Hence, I kindly request the removal of the late payment entry from my credit report. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ) TransUnion includes a late payment record for the XXXX XXXX account. It is essential to note that this account has never been late. Therefore, I request the immediate removal of the late payment notation from my credit report. 

XXXX Account ( Date Opened : XX/XX/XXXX, XXXX : {$0.00} XXXX TransUnion has provided inaccurate information regarding the XXXX account. I kindly request the correction of this erroneous data on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: ZIONS BANCORPORATION
State: UT

Complaint narrative:
hello Case # XXXX Zions bank send a NOTICE OF TRUSTEE SALE. With new company name how many companies own my mortgages this is a big pyrimid scheme. Financial pyrimid scheme groups 18 U.S. 2-239 pyrimid promotional scheme ; penal code section 327 11 U.S Code 327 Employment of profeciona... 
XXXX XXXX XXXX. 
Zions I know who is behind this I will send more info Zions bank, XXXX XXXX, and the group of scheme examples, All real states are private with their own banks. I'm the owner of all trustess private and public. I'm the internal Government CA under secret seals of XXXX. 
XXXX  churche is behind this in all there cult i got prove XXXX XXXX put in XXXX the they not in mortgages or real states, or trademark account clones i got one don't match with my private keys

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Keynote Consulting, Inc.
State: MN

Complaint narrative:
I had ( still have showing ) a delinquent credit account from XXXX XXXX XXXX XXXX out of XXXX, IL for an old credit card debt reported as {$1300.00} showing on a few credit reports, specifically experian. I tried to pay the debt to XXXX XXXX in XX/XX/2023 and they informed me they sold the debt to a collections agency, Keynote Collections. They gave me their contact info and I contacted them and paid the debt in full with the assurance that they would report the debt as paid to XXXX XXXX at the end of the month and then XXXX XXXX XXXX XXXX would update my credit report/file. In the beginning of XXXX I contacted XXXX XXXX XXXX XXXX XXXX asking for verification the debt had been paid and they said they still hadn't received payment from the collections company. I contacted XXXX Collections again to verify if they'd notified XXXX XXXX XXXX that I paid my debt to them. They informed me verification wouldn't be sent until the end of THAT month which was now XXXX, so they would be sending verification a month and a half after I had paid my debt to them. It's now XX/XX/XXXX, I opened another dispute with XXXX to dispute this item on my credit report. They closed the dispute within 1 day claiming that the account information was verified and updated. Nothing has changed. Basically they're falsely reporting a debt as " charged off '' when I've paid the debt in full. It's fraud what XXXX XXXX XXXX and Keynote Collections are doing. They're failing to report a debt that I've paid and I have documentation showing that I've paid said debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$80.00} ; XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report, which I brought to the attention of Experian on XX/XX/XXXX. To date, Experian has not responded or addressed the following discrepancies. I kindly request your assistance in resolving this matter. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$13000.00} ) Experian has erroneously reported a late payment on the XXXX XXXX  account. I would like to emphasize that this account has never been late. Therefore, I request the removal of the late payment notation from my credit report. 

XXXX XXXXXXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$470.00} ) Experian has provided inaccurate information regarding the XXXX XXXX account. Specifically, the information on my credit report requires correction. I kindly request that Experian rectify this erroneous data. 

XXXX XXXX  Account ( Date Opened : XX/XX/XXXX, Balance : {$12000.00} ) Experian incorrectly indicates a late payment on the XXXX XXXX account. I want to clarify that this account has never been late. Consequently, I kindly request the removal of the late payment entry from my credit report. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ) Experian includes a late payment record for the XXXX XXXX account. It is important to note that this account has never been late. Therefore, I request the removal of the late payment notation from my credit report. 

XXXX Account ( Date Opened : XX/XX/XXXX, XXXX : {$0.00} ) Experian has provided inaccurate information on the XXXX account. I kindly request the correction of this erroneous data on my credit report. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ) Experian has also reported inaccurate information regarding the XXXX XXXX account. Specifically, the information on my credit report requires correction. I kindly request that Experian rectify this erroneous data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: TN

Complaint narrative:
I filed a complaint XX/XX/XXXX about this {$1100.00} bill with a different Credit Agency. My credit was restored and another agency ( Central Portfolio in MN ) that I know anything about has filed this same amount XX/XX/XXXX, not identifying the charge or contacting me about it. I lost XXXX points off my credit score again. I learned about this when I checked my credit score. Please assist me with this matter again. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$570.00}, XXXX XXXX WY XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX Balance : {$420.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXNG ( Original Creditor : XXXX ) XXXX Balance : {$570.00}, XXXX XXXX WY XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX Balance : {$420.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
The summer of XXXX, I graduated and decided to look for some apartments or dorms with my friends for college. We went to XXXX XXXX Apartments in XXXX, Texas and were excited about how the property was and the staff. XXXX of the employees asked if we decided on if we wanted yo stay there, but we had told him we had to wait to talk it over with our parents. The next day, we went back and we told him that we still wasnt sure yet, but he insisted that we sign some papers to, in his words, keep our rooms secured. We signed them NOT knowing it was a lease agreement after we told him that we cant sign anything important until we talk to our parents. The next morning my friends mom called and told us that we signed a lease and after that I called them multiple times to try to see if they can change it. I never officially moved in or anything at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX  XXXX Balance : {$0.00}, XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX  XXXX XXXX XXXX : {$6800.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX XXXX Balance : {$3900.00} XXXX XXXX  XXXX XXXX Balance : {$6800.00} XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief