vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-22 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My Home loan service company was Shellpoint Mortgage until XX/XX/XXXX. Loan # was XXXX. In XXXX they transferred my file to a new servicing company name is XXXX XXXX. XXXX XXXX had this loan under the file number XXXX. This loan has been totally paid off on XX/XX/XXXX. The Shellpoint & XXXX XXXX have mistakenly reported this loan " more than 180 days late '' to all 3 Credit Bureaus which is false! I have been on forbearance plan with Shellpoint Mortgage from XX/XX/XXXX up to XX/XX/XXXX ( The agreement, the extension letter and two snapshot of my Shellpoint dashboard are attached ). As you may see I have been on forbearance plan, so how possibly I could be late? As the result of their mistake my credit score decreased from XXXX to XXXX today. I have called both Shellpoint & XXXX and asked them about this and both accepted this was a mistake but they say it may take up to 60 days to finish their own investigation and send correction to the credit Bureaus. Problem is I am in the middle of applying for another home loan and the lender just received my poor credit score and denied my application. I am very upset with these two financial institutions and want you please let them it will have sever consequences to play with peoples life. They have to send the correction to to the 3 Credit Bureaus ASAP. Thank You, P.S. I am XXXX XXXX and I am the owner of this account. I once used this account to file a complaint for my ex wife XXXX XXXX, but now I see the account comes under her name which is not correct. Please make necessary correction and put my name as the owner of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX  is collecting on a debt I do not owe. I called and spoke with them regarding this debt currently reporting on my credit file, which is how I found out about this debt. Once I validated this debt I immediately paid it. I was not once notified about this debt through phone calls, notifications, or letters. I spoke with a representative and they had my incorrect address. 
Not sending me any letters violates my 30 day right to dispute and I demand they remove this account off my credit. They did not have my correct information and I did not receive my RIGHT to dispute.

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 2021-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I paid off my Co-Op mortgage loan 15 years earlier than the 30 year term. 
I was suppose to get my stock certificates but was told by mortgage company that the stock certificates could not be found. 
I received an email from the mortgage company stating that the loan was paid in full but that the stock certificates could not be found. It included an affidavit stating that fact and I was to send the affidavit to the co-op board or managing company so that a replacement for my stock certificates could be issued to me. The mortgage company stated that they would refund the cost of the replaced stock certificates. 
After I did as instructed by the email from the mortgage company. I was later told that they did some more investigating and that they never received the stock certificates from The " Custodian of the Stock and lease '' They should have had that information when I paid off my loan in full. 
Because I followed their instructions to send the affidavit email to the co-op board I had to pay the co-op boards lawyer {$600.00} dollars for a lien search in order to get the replacement stock certificates. 
If the mortgage company had been more careful they would have informed me from the beginning that they never received my apartment 's stock certificate and I would have resolved this directly with the co-op board and asked for the original stock certificates that were due me when I took out the mortgage. Now no one wants to take responsibility for the error that was committed when I started the process to get my Co-op apartment. This is not fair. I paid all monies that needed to be paid when I got my apartment. I should not have to lose {$600.00} more dollars for an error that was not my fault. The loan company should have looked into this matter before making me take steps that cost me {$600.00} dollars. Please help me if you can. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: WA

Complaint narrative:
Phoenix Financial acct # XXXX DOS- XX/XX/2017 {$2200.00} I have sent them a certified letter requesting verification about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My Home loan service company was XXXX XXXX  until XX/XX/XXXX. Loan # was XXXX. In XXXX they transferred my file to a new servicing company name is XXXX XXXX. XXXX XXXX had this loan under the file number XXXX. This loan has been totally paid off on XX/XX/XXXX. The XXXX XXXX XXXX XXXX have mistakenly reported this loan " more than 180 days late '' to all XXXX Credit Bureaus which is false! I have been on forbearance plan with XXXX XXXX  from XX/XX/XXXX up to XX/XX/XXXX ( The agreement, the extension letter and two snapshot of my XXXX dashboard are attached ). As you may see I have been on forbearance plan, so how possibly I could be late? As the result of their mistake my credit score decreased from XXXX to XXXX today. I have called both XXXX XXXX XXXX and asked them about this and both accepted this was a mistake but they say it may take up to 60 days to finish their own investigation and send correction to the credit Bureaus. Problem is I am in the middle of applying for another home loan and the lender just received my poor credit score and denied my application. I am very upset with these two financial institutions and want you please let them it will have sever consequences to play with peoples life. They have to send the correction to to the 3 Credit Bureaus ASAP. Thank You, P.S. I am XXXX XXXX and I am the owner of this account. I once used this account to file a complaint for my ex wife XXXX XXXX, but now I see the account comes under her name which is not correct. Please make necessary correction and put my name as the owner of this account.

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 2021-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Collection Partners, Inc.
State: IL

Complaint narrative:
CCP, INC. calls me 1-3 times per day every day. When I spoke to someone today, she told me there is no way, and they are only calling once per day. I get a call around XXXX, XXXX, and XXXX. As far as I'm aware, calling even once per day is harassment according to federal law. I can never speak with someone, as I am at work from XXXX every day. They are only open XXXX. They call me repeatedly while I'm at work and disrupt my job. The representative said she will not stop calling me until the issue is resolved. This is very overwhelming and counter productive. They call from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XXXX, XXXX, XXXX, XXXX, and XXXX. All of these numbers have called me several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Today, XX/XX/2021, without any warning and without any valid reason, Synchrony Bank closed ALL of my credit card accounts with their institution. I have never missed a payments with any of my accounts and I have never had a late payment with any of my accounts. My credit utilization on all of the credit card accounts is relatively low and my current credit score is XXXX. Synchrony will not answer any of my phone calls and the chat reps only give a generic response. This is predatory lending and bad business practice. This purge of all of my accounts will negatively and severely impact my credit profile as well as my credit scores. I have also filed a complaint with the 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 explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Last year we tried to have out house payments deferred due to us being impacted by Covid Virus. I called to have the payments deferred due to my husband hours being cut down to 25-30 hours a week, we have 6 people living in our home. Loosing that many hours, we could barely make our payments. I was told I would have to prove that we were impacted by the virus, but no one ever explained how to prove it. So, I struggled to make our house payment. They were usually late ; I have the late payments to prove that. Finally in XXXX of XXXX I made my last late payment along with my XXXX payment and got caught up and have been caught up ever since. 
In XXXX of XXXX with the rates being low, I started looking into refinancing our home. I was told we would have to wait till the XXXX payment fell off. So, I waited. I made my XXXX payment in XXXX a few days after making my XXXX payment. I called to check to make sure everything was good and was told they would not show my XXXX payment being paid till XXXX. For good measures I went ahead an paid my XXXX payment in XXXX Neither one of these payments are showing up on my credit report EVEN though they have been paid!!! This is not fair, nor is it right that these payments are not showing up on our reports as being paid! 
If you look at our credit report, Mr. Cooper shows XX/XX/XXXX as a 60 day late instead of a 30 day late. They are not reporting correctly to the bureaus. 
NOW my refinance is being held hostage because they will not update their files!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hi, I went to citibank branch at the atm to withdraw some cash on XX/XX/2021 around XXXX noon. I put in my card and requested to withdraw XXXX XXXX. The Atm froze not just for me but for everyone who that there on that moment doing transactions. We all freaked out and went inside to ask why it's frozen and why our cards are locked. Nobody came out of the office to help.The next minute the ATM went from being frozen to saying " Out of Service please try later '' it gave me my card back but the XXXX never came out of the atm. no receipt got printed and I got debited into my account for the withdraw. I went inside of the branch and asked to speak to a manager to get my money back and she said " I can't do anything from here you have to call the number on the back of your card. Anything related to atms we don't deal with that. ". I did reach out and was told a complaint was filed and my money is not back still and I still am missing money. I'm missing XXXX which the atm never put out and citibank clearly as stolen money from me and are refusing to show any help. This bank is fraudulent and a bank of this sort should not exist. Money gets taken out of my account no cash is out and they are gon na tell me they can't do anything about it? 

ATM ID : XXXX ATM Location : XXXX XXXX XXXX, XXXX, NY, XXXX Date : XX/XX/2021 Time : XXXX Amount : {$290.00} I will be following legal actions about my stolen money from citibank . The manager at the branch literally did nothing and I got no help whatsoever but my money is still taken from my account but they told me they couldn't do anything about 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 2021-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NV

Complaint narrative:
I need Nissian XXXX to reflect my autoloan for my XXXX XXXX updated to reflect a XXXX balance to all three of the credit reporting agencies prior to the end of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
upon checking my credit report XX/XX/21 I noticed an account on my report that I did not authorize.

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 2021-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
For the past several months I have submitted several disputes letters to the credit bureaus, XXXX, Transunion, and XXXX. As of today, I have to receive any responses, or notifications regarding the erroneous items disputed on credit file. Per the FCRA the credit bureaus under law have 30-45 days to respond, and I have not received one items from any of the bureaus. I am in the process of financing and this is affecting my financing. I need the credit bureaus to respond, as per the law states.

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 2021-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Midway Resolution Services LLC
State: TX

Complaint narrative:
I have been debt free for two years. All of a sudden, I am receiving calls from Midway XXXX for some unknown debt. They are picking at the carcasses of charged off debts to make money while destroying peoples credit. This is a predatory collection agency and they need to be shut down.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
They claim that I took out a MasterCard with HSBC, which is now XXXX in 2013 and make charges but never made any payments on it. I never took out a credit card with this company. 

Today called me at work XXXX XXXX XXXX said that they if I couldnt pay {$600.00} today they would serve me in 10 days and see me in court. 

I asked them to send me documents so that I can see these charges they sent documents to 2 addresses that I havent lived at in years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX  is collecting on a debt I do not owe. I called and spoke with them regarding this debt currently reporting on my credit file, which is how I found out about this debt. Once I validated this debt I immediately paid it. I was not once notified about this debt through phone calls, notifications, or letters. I spoke with a representative and they had my incorrect address. 
Not sending me any letters violates my 30 day right to dispute and I demand they remove this account off my credit. They did not have my correct information and I did not receive my RIGHT to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have had credit cards and installment loans, that are still opened, deleted off my credit reports. A Government Employee is the one that is tampering with my credit reports. 

This incident began in XXXX of XXXX and is still ongoing. 

My address is incorrect and my employment information was incorrect from XX/XX/XXXX until XXXX of XXXX. 

The XXXX XXXX XXXX in XXXX, NC is the responsible party. 

The only Credit Reporting Agency that has all my opened accounts is XXXX, however the balances are incorrect. 

Also, lines of credit and amounts owed were also Tampered with to lower my credit scores with all 3 Credit Reporting Agencies.

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 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have had credit cards and installment loans, that are still opened, deleted off my credit reports. A Government Employee is the one that is tampering with my credit reports. 

This incident began in XXXX of XXXX and is still ongoing. 

My address is incorrect and my employment information was incorrect from XX/XX/XXXX until XXXX of XXXX. 

The XXXX XXXX XXXX in XXXX, NC is the responsible party. 

The only Credit Reporting Agency that has all my opened accounts is XXXX, however the balances are incorrect. 

Also, lines of credit and amounts owed were also Tampered with to lower my credit scores with all 3 Credit Reporting Agencies.

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 2021-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: SC

Complaint narrative:
I received a letter from a collection company stating that I owe XXXX XXXX XXXX but I never had a credit card with XXXX XXXX.The amount is $ XXXX.I have sent several letters, 609 letters to the credit bureaus and also to the company. I have received letters from different collection agencies about this bill.

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 2021-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANKMOBILE TECHNOLOGIES, INC
State: FL

Complaint narrative:
The institution tracks the funding via XXXX  XXXX XXXX and personal data is stolen through the third party merchant. XXXX  XXXX used a method of a two security feature that doesn't exist. When the student attempts to answer what possible password sensitive answers they are exposing personal data in which after the merchant and the third party country can intercept and manipulate the funds via School Financial Corruption. I attempted many times to reach out and the the school denies any information on funding. Becoming assertive and aggressive indicting wrong doing within the finical solidification process. In the end the third party merchant never successful grants you access to the account placing restrictions, in which they then use the funds via crypto currency for there agenda. I am sure the system is compromised as it continues with the the procument fraud guidelines.

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 2021-06-22 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: UT

Complaint narrative:
For the past several months I have submitted several disputes letters to the credit bureaus, XXXX, XXXX, and Equifax. As of today, I have to receive any responses, or notifications regarding the erroneous items disputed on credit file. Per the FCRA the credit bureaus under law have 30-45 days to respond, and I have not received one items from any of the bureaus. I am in the process of financing and this is affecting my financing. I need the credit bureaus to respond, as per the law states.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
For the past several months I have submitted several disputes letters to the credit bureaus, Experian, XXXX, and XXXX. As of today, I have to receive any responses, or notifications regarding the erroneous items disputed on credit file. Per the FCRA the credit bureaus under law have 30-45 days to respond, and I have not received one items from any of the bureaus. I am in the process of financing and this is affecting my financing. I need the credit bureaus to respond, as per the law states.

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