vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: DC

Complaint narrative:
Shellpoint Mortgage Servicing failed to pay our second half of XXXX ( due XX/XX/XXXX ) or first half of XXXX ( due XX/XX/XXXX XXXX XXXX  DC real property tax bills, despite being obligated to do so and having collected {$12000.00} in our escrow account. On XX/XX/XXXX, the District of Columbia Office of Tax and Revenue sent us a notice of delinquency demanding payment of {$4800.00} by XX/XX/XXXX to avoid a tax sale of our home. 

Immediately upon receiving the DC Tax and Revenue notice, on or about XX/XX/XXXX, we contacted Shellpoint Mortgage Servicing to demand that they pay our outstanding real property tax bills as they were required to do. Shellpoint acknowledged their failure, and admitted that they are, in fact, required to pay our real property taxes. 

Nevertheless, despite the fact that our home is at risk of being sold at a tax sale due to Shellpoint 's failure to pay the tax bills as they are required to do, Shellpoint still has not satisfied our outstanding real property tax bills. 

Shellpoint insists that they paid both our second half of XXXX and first half of XXXX real property bills on XX/XX/XXXX. However, as of today, XX/XX/XXXX, the Washington DC Office of Tax and Revenue still has not received the outstanding payments. 

We have called Shellpoint repeatedly and are always given the same explanation : due to their own error, their internal system did not indicate that they were required to pay our taxes. They insist they have now satisfied our real property tax obligations, but the Washington DC government has not received that payment. We have asked Shellpoint to contact the DC Office of Tax and Revenue directly, and they insist that they are not able to do so. 

We are exceedingly concerned that our home could be sold at a tax sale due to Shellpoint 's recklessness and disregard for their contractual obligations. We have no idea what to do at this point.

Shellpoint has put our livelihood and home, where we live with our two younger children, at risk. Yet they have not even so much as told us they're sorry. They are a horrible company and do not deserve the privilege of operating as a mortgage servicer.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
On XX/XX/2020 I was shopping for a mortgage and got in touch with Rocket Mortgage. I spoke with XXXX XXXX NMLS XXXX. I wanted to delay applying but he pressured me into applying. 

I submitted my application the same day, informed Rocket Mortgage ( Mr. XXXX XXXX that I had applied and asked what the next steps were. 

XX/XX/XXXX, Mr. XXXX asked the basic details of the transaction XXXX principal amount, loan amount, etc ) and I provided them same day. I provided a signed contract XX/XX/XXXX. On XX/XX/XXXX, I informed Mr. XXXX of another banks offer. He told me he would speak with his director and get back to me that same day. Mr. XXXX never got back to me. 

I am disappointed that I was never provided any offer for a loan, provided a loan estimate, but was also not rejected. My understanding is that banks must provide a reason for rejecting you. By never getting back to me after weeks and months, this was the equivalent of rejecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
In XXXX, I overdrafted an account, XXXX, with Trustmark National Bank. The ovwrdrafted amount was aprox XXXX dollars. Truatmark aprox. One year later relayed the debt to lawyer, XXXX XXXX. I was sued and the judge awarded in Trustmark National Bank 's favor. XXXX attempted to seize funds from a new account I opened at XXXX XXXX XXXX. XXXX XXXX  did Not authorize the transaction, so the XXXX account was in deficit for days, and then the transaction was revoked and my account went back to normal. Trustmark Bank 's lawyer, XXXX XXXX, still had not received payment. I told her, XXXX, to stop calling my phone number, she was very rude. 
Fast forward from XXXX to XXXX, I check my credit report on XX/XX/XXXX, and Truatmark National Bank has posted a credit inquiry that i DID NOT authorize. I called Trustmark 's 1800 number I was then directed to a XXXX XXXX. I contacted her, leaving voice mail until I received a call back on, XX/XX/XXXX. XXXX XXXX ( XXXX ) asked for my personal info, and after that she directed me to a, XXXX XXXX within Trustmark 's XXXX. XXXX XXXX told me on XX/XX/XXXX that I needed to call XXXX XXXX, in reference to my past due debt. 
XXXX stated that Trustmark can do credit inquiries any time as a stipulation of my debt. I was also told by XXXX that the only way to remove this inquiry was to contact XXXX XXXX. I asked XXXX why wasn't this debt charged to a collection agency and listed, as such, in my credit report. I was told again to contact XXXX XXXX, Trustmark 's lawyer Essentially I have a past debt with Trustmark National Bank. I have verbally stated to not be contacted, I have told lawyer not to call my phone. Each time u speak with a creditor it re-initiates the process of debt, Trustmark National Bank is performing unauthorized credit inquiries using my name and information.

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 2021-06-02 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: MS

Complaint narrative:
XXXX, XXXX  and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts. 


Due to no response for more than 60 days I would like these accounts removed from 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 explanation
Consumer complaint received 2021-06-02 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: MS

Complaint narrative:
Experian, XXXX  and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts. 


Due to no response for more than 60 days I would like these accounts removed from 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 explanation
Consumer complaint received 2021-06-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: MS

Complaint narrative:
XXXX, Equifax and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts. 


Due to no response for more than 60 days I would like these accounts removed from my credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX and XXXX some one manage to hacked my bank account with wells Fargo online. 
XXXX the amount of XXXX from 3 different business accounts. 

and the money went to online banks also to other bank with one physicals address in UTAH. 
we are very small companies striving to survive, with all that is going on, 35 families depends on this money including myself a single mother with XXXX kids. 

Wells Fargo has denied the claim stating that the log in and passwords use to do this transactions were mines. 
Please I'm asking for your help to solve this problem thank you in advance

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 2021-06-02 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: VW Credit
State: NJ

Complaint narrative:
Identity Theft VW CREDIT Account XXXX : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: FL

Complaint narrative:
I'm trying to be patient in this situation I really am but I am getting frustrated on this matter. So the Fair Credit Reporting Act section 603 or 15 usc 1681a ( 2 ) ( B ) whatever it's called but there, it says right under rules of construction states that consumer reports EXCLUDES " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. '' my social security card IS a credit card pursuant to law. I'm not XXXX. That's according to truth in lending which is the same definition under the Fair Credit Reporting Act. So why is it that I have this stupid account still on my credit report when it's not supposed to be there in the first place?! It's supposed to be excluded! This is frustrating because I have been dealing with this situation for mad long and it wasn't supposed to be there in the first place. Also I have another account that has late payments on it and it should be listed as paid as agreed. law says you can't have late payments on an open-ended consumer credit plan reasonable procedures were not followed and I did not receive my statements which included my finance charges pursuant to 15 USC 1637 ( b ) REMOVE THESE ACCOUNTS! You can investigate and everything and once you can't find those letters I should have received, Remove the late payments and Please change it to paid as agreed like it's supposed to be. I did not give consent to this reporting at all. I didn't give any written letter saying I want this account on my report. What gives?? I took the steps need and notarized my letters and all my paperwork because I getting ready to sue at this point.

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 2021-06-02 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: VALLEY NATIONAL BANCORP
State: NY

Complaint narrative:
This accounts don't belong to me. Please remove them from all 3 credit reporting agencies. You can see below the list of the accounts : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft VNB- XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello All, This complaint concerns the three Credit Bureaus as XXXX, Equifax, and XXXX. 
All these years I keep all my balances very low. As low as possible. I pay off all of my credit card balances every month on time. Not even missed one! My credit utilization rate is 5 % or below that while, the standard recommendation is under 30 %. However, my credit score remains under 710 without any logical explanation to justify this result. I strongly believe that the three bureaus handle mistakenly this score, creating a deviated image from the normality which I would expect to be more than 740 for my case. It is of great significance to me that the three bureaus correct this abnormality and restore my real credit score because that affects my financial life. 
I thank you very much. 

Much appreciated, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2021, I notified credit reporting agencies that they violated the 15 us code 1681 and 15 us code 1681b ( FCRA ). As much as possible I would like to avoid having issues like this, so I want them to take care of it.

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 2021-06-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: KY

Complaint narrative:
In XXXX of 2020 XXXX XXXX sold their bank to Specilized Loan Servicing. 
I had a HELOC with XXXX XXXX bank. 

I was given no notice or information concerning how to access my paid up line of credit. 

I contacted company multiple times with no response. 

I ultimately filed a complaint with CFPB. XXXX. 

I was told that the company would resolve problem. I was forced to pay {$46.00} to close account, which I did on XXXX XXXX. 

I received notice onXX/XX/XXXXthat loan was closed and that my mortgage was released. I have received no notification of release nor has county clerk. 

This has caused severe financial issues for us through absolutely no fault of our own, specialized services has made no effort to fix the problem that they caused. 

They are NOT a company that one should deal with.

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 2021-06-02 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: TX

Complaint narrative:
I have been attempting to work with Transunion & XXXX XXXX XXXX ( XXXX ) with removing the collections from my report. These attempts has gone ignored. I was able to reach out to my account with the original creditor ( XXXX ), to obtain the proof that this debt was paid on-time and in full. I have also asked for debt validation & verification for the other collection account ( XXXX XXXX XXXX ), but I have not received any documentation for this account. 

Also, for over a year now Transunion has made it almost impossible to file a dispute online.

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 2021-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My Credit score with Transunion, LLC decreased by 35 points between XXXX, XXXX and XX/XX/XXXX. I have tried on 2 occasions to get an explanation by phone as to why it decreased and how I can improve it. Both times I was unsuccessful as the first person had no explanation and the second person said the only issue that he could see was that my balances were too low on my 2 credit cards. In response, I asked the question if I should in increase my credit card debt and he responded that they do not give advice and that i should speak to credit score advisor which he could or would not provide.

As these Credit companies control our financial destinies as it relates to the interest rates we are charged on loans, the cost of automotive and homeowners insurances and array of additional financial tools, etc, they should be held accountable as to how they handle their algorithyms. There is something very wrong with the way these credit scoring companies ( Trans, XXXX, XXXX ) are allowed to operate.

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 2021-06-02 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: NC

Complaint narrative:
For whom this concern, I have been really pissed the XXXX off to learn about my rights as a consumer has been violated. I have learned if there are things missing from my periodic statement such as my finance charge etc, and not delivered to me 21 days before the payment due date pursuant to Fair Credit Reporting Act 15 USC 1637 ( b ) on open-ended consumer plans aka my credit cards, there should be no late payment reported on my account however I have several of these accounts which falsely put negative late payment information on my account. I am pretty sure this is a violation of 15 USC 1666b ( a ). I mean it's right there in the law on the Cornell site. It's public information. Also, I have never opted into this reporting pursuant to Gramm Leach Bliley Act 15 USC 6802 ( b ) ( 1 ) ( A ) and this is an invasion of my privacy according to FCRA 15 USC 1681 ( a ) ( 4 ). This has stopped a lot of funding for me as I am a real estate investor and the fact I learned I have been ripped the hell off has been unbelievable. Can someone PLEASE correct this! I included my scanned dispute letters which I notarized as well in case I have to take legal action. I sent to the bureaus already. I still haven't received a response. Thank you for your help.

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 2021-06-02 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: NC

Complaint narrative:
For whom this concern, I have been really pissed the XXXX off to learn about my rights as a consumer has been violated. I have learned if there are things missing from my periodic statement such as my finance charge etc, and not delivered to me 21 days before the payment due date pursuant to Fair Credit Reporting Act 15 USC 1637 ( b ) on open-ended consumer plans aka my credit cards, there should be no late payment reported on my account however I have several of these accounts which falsely put negative late payment information on my account. I am pretty sure this is a violation of 15 USC 1666b ( a ). I mean it's right there in the law on the Cornell site. It's public information. Also, I have never opted into this reporting pursuant to Gramm Leach Bliley Act 15 USC 6802 ( b ) ( 1 ) ( A ) and this is an invasion of my privacy according to FCRA 15 USC 1681 ( a ) ( 4 ). This has stopped a lot of funding for me as I am a real estate investor and the fact I learned I have been ripped the hell off has been unbelievable. Can someone PLEASE correct this! I included my scanned dispute letters which I notarized as well in case I have to take legal action. I sent to the bureaus already. I still haven't received a response. Thank you for your help.

Company response to consumer: Closed with explanation