vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
I was awarded a grant or loan from the Hardest Hit program for {$50000.00} plus. I was never told of the correct amount from the Servicer nor was I explained where and how the money was appropriated. I wrote them numerous times and asked for an itemized account of how the money was distributed. I never got what I asked for however they gave me three different amount on three different times. The only account of the money was I was told my payment would be {$780.00} per month because of the grant.

With in a few days the Servicer wrote me and told me my payments was raised. A few more days later they wrote me again and said my payment was raised again. a few more days they again wrote me saying the same thing. I wrote the CEO and told him no one was cooperating with me and we have a LAW against that. This is called a QUALIFIED WRITTEN REQUEST ( QWR ). I told them I was not going to pay the raised amount until I see why and if they had a legal right to raise my payments. The grant gave them {$25000.00} for all behind payment for escrow accounts I wrote the CEO more than five times. I have been paying the {$780.00} on time since the grant and they have messed up my credit and never sent me the requested material. I was told about 10 days ago they would send the requested material in thirty minutes but they never did. I had a lady name XXXX from HOPE on the line with me. This Company have messed up my credit with lies about not paying my notes on time ( enclosure ). I have been on time with all my payments. 

When I had this loan refinanced in 2007 the two men that handled the refinancing was not licensed in Oregon. The State nor the Servicers have done nothing about that. I found this out recently. Is this legal?

I have wrote to the Government who gave me the grant but they only tell me to contact the State of Oregon. The State of Oregon start talking and all of a sudden the say let me call you back and the never do. One of the women I spoke to with the State of Oregon said she was the head person. 

I was told by an XXXX XXXX that this grant was not handled by the Laws of Oregon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I XXXX XXXX, the consumer, rights has been violated. 

Pursuant to 15 usc 1681b a ) Subject to subsection ( c ), any consumer reporting agency my furnish a consumer report the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I the consumer XXXX XXXX, have never given permission to report anything on my consumer report. No consent is IDENTITY THEFT. 
1. I am demanding the removal of this inquiry : XXXX XXXX - G 2. I am demanding the removal of this accounts : XXXX XXXX : XXXX XXXX : XXXX XXXX :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Performant Financial Corporation
State: GA

Complaint narrative:
Performant called XX/XX/XXXX at XXXX XXXX, left no message. 
Performant called XX/XX/XXXX at XXXX XXXX, left no message. 
Performant called XX/XX/XXXX at XXXX XXXX, left no message. 
I know of no debt, past or present, that I owe to anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have student loans with University XXXX XXXX XXXX. I have never made a late payment and had a lot of issues with them overcharging me these past few months. I just got those resolved and now on me and my mom 's ( who is a cosigner ) credit reports on TransUnion it says there are 14 missed payments and our credit scores have gone down signficantly. 

My disputed the report which TransUnion denied on XX/XX/XXXX. She also called and emailed on XX/XX/XXXX XXXX XXXX which provided no response to the email in the past month after saying the issue was being escalated and were extremely rude and not helpful on the phone. 
I have disputed on my report now with TransUnion but it is unclear whether the problem is with TransUnion or XXXX both of which have been unhelpful. I have many many issues with XXXX actually taking action to correct their errors in the past and need it to be resolved soon so our credit scores can go back to normal.

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 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I received an email from Experian indicating that my FICO score decreased by 13 points. When I finally got through to a human being the representative couldn't tell me why the point drop happened. They could not successfully transfer me to a supervisor but did offer to sell me a credit report. This is very disturbing because I haven't purchased anything recently that would require a credit check/review. It also dropped my credit rating from excellent to very good. Whatever happened with Experian ... it did not affect either XXXX or XXXX I don't understand how Experian continues to be allowed to have access to people 's credit information when they obviously have no idea of what's going on. They always seem to want to charge some type of fee to remedy the situation your calling them about ... whether it be a credit report or a credit lock. These people are crooks.

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 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX ) XXXX XXXX Attention : XXXX  XXXX Department XXXX : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX credit report. My latest credit report shows credit inquirY that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 

Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX  and XXXX credit report. My latest credit report shows 2 credit inquiry/inquiries that I did not authorize. 

I am writing to dispute the following inquiries and ask for their removal from my credit report. 
Equifax mortgage service-inquiry on XXXX XXXX XXXX XXXX inquiry on XX/XX/2020 Please have these/this unapproved inquiries/inquiry removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Scheer, Green & Burke L.P.A.
State: FL

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) XXXX is reporting a collection amount of {$310.00} Account # XXXX which they are indicating they transferred to Scheer, Green, and Burke CO. LPM ( XXXX ) XXXX ext XXXX and can not update my credit report. I contacted Scheer, Green, and Burke CO and paid the {$310.00} File No XXXX, but they are stating that XXXX XXXX XXXX still has my file and has to update my credit report. Soo..I called United Collection Bureau and they stated that I no longer have an account there, have no record of me paying it off, and can not update my credit. I have attached my credit report showing the collection from XXXX XXXX XXXX and the receipt from Scheer, Green, and Burke. Few things 1. Why is United Collection Bureau reporting a collection amount of {$310.00} when they state they don't have an account for me? 2. Was it incorrect of me to pay Scheer, Green, and Burke? 3. How do I get this removed from my credit ( either completely or as paid )?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I am currently enrolled in a credit counseling and debt consolidation program through XXXX, which Net Credit signed and agreed to, but Net Credit financial solutions continues to report late charges and charge interest to my balance due that is not what they agreed to. It is making my debt and credit score worse, and supervisors are having a difficult time getting communication and compliance from the credit company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
I entered a consumer credit transaction with the alledge original creditor and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. A third party debt collector JEFFERSON CAPITAL are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. JEFFERSON CAPITAL has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Statebridge Company
State: CA

Complaint narrative:
I received a certified letter signed by mail carrier dated XX/XX/XXXX from Statebridge stating if I do not satisfy defaulted loan, owner of Note may commence with foreclosure.I have been calling and emailing Statebridge a few times a week and have not received instructions on where to submit in writing and to whom for a complete results of why my request to settle the {$32000.00} principal balance. I spoke to Loss mitigation and they said I am being charged over {$50000.00} in interest and payoff would be approximately {$80000.00}. When I call Statebridge I have to hold for a couple of hours and usually have call end stating due to high volume of calls, unable to complete my call. The only way I get a response is if I include loss mitigation dept., and since my last request on 5/14/21 ; I mentioned I would have to file a complaint due to no response on instructions, no payoff received and no details on my request to settle this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax ; XXXX and XXXX should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached. ) These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquires are all the same type of lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX ; Experian and XXXX should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached. ) These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquires are all the same type of lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2021-05-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It's been over 30 plus days in have not had a response. I sent out a letter to verify the Accuracy On my Credit Report but gotten no respond. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted if not verified. They were unable to provide me with a copy of the supporting documentation as proof.

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 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent inquiries on my credit report.These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX suggests that I took out a loan in the amount of {$34.00}. on XX/XX/XXXX. They labeled this as a charge-off that is negatively affecting my credit. I have never attempted credit with that bank. XXXX XXXX XXXXXXXX has an inquiry on my credit report dated XX/XX/XXXX. I have also never attempted credit with this institution either. XXXX XXXX is still reporting an account that was open 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 explanation
Consumer complaint received 2021-05-20 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: CA

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX. I HAVE BEEN ATTEMPTING TO BLOCK THESE ACCOUNTS OFF OF MY CREDIT FOR SOME TIME NOW. DUE TO THE NATURE OF THE DISPUTE, IT IS A VERY SERIOUS MATTER AND AM NOW SEEKING LEGAL COUNCIL AND HELP FROM THE CFPB! 

PURSUANT TO SECTION 605B OF THE FCRA. ACCOUNTS AND INFO CLAIMED AS FRAUD MUST BE BLOCKED WITHIN 4 BUSINESS DAYS WITH ALL THE RIGHT DOCUMENTS PROVIDED. I HAVE PROVIDED ALL THE PROOF YET THE BUREAUS HAVENT BLOCKED THE ACCOUNTS!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I entered a consumer credit transaction with MACYS and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that MACYS claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. MACYS has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the 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 2021-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IN

Complaint narrative:
I've been trying to recover coinbase crypto currency for months sending multiple emails and constantly trying to reach someone in there help department. All email from their support have been unless and no one has contacted me about recovering my account or with any expectations on where my money went. I am missing hundreds of not thousands of dollars and no one will return an email. I provided transaction ID # to coinbase from my banks information and yet it's been over six months and I still have not received any emails telling me how to recover my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
lots of calls

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 2021-05-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
Filed with XXXX XXXX for inaccuraties on XX/XX/XXXX, XXXX Filed for debt validation on XX/XX/XXXX, XX/XX/XXXX with COMMERCIAL ACCEPTANCE COMPANY for the amount of XXXX which is incorrect. COMMERCIAL ACCEPTANCE COMPANY failed to show me proof of validity of orignal contract with a wet signature. Also COMMERCIAL ACCEPTANCE COMPANY failed to show me the contract with them specificaly they have violated my rights under 15 USC 1692g and reported to XXXX AND XXXX who reported it on my credit file violating my rights under 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Received a text message on XX/XX/21 from business claiming to be Equifax as follows : < # > ; Someone Just Ran A Background-Check 0n You Through A EQUIFAX-Database. Find 0ut Who ; XXXX : XXXX Then on XX/XX/21 a text from someone claiming to be XXXX sent the following text : Re : XXXX Has Placed A Temporary Hold On Your File For Unusual Activity. Resolve This Issue Here : XXXX XXXX XXXX I did not open the link in message and have not sent money/gift cards to anyone. I simply want to let someone know that I received these messages but have not been able to speak to a customer service representative at either credit reporting bureau to have them check on these messages.

Company response to consumer: Closed with explanation