vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have an existing mortgage with New Rez. I applied for a refi to get a lower interest rate XX/XX/2021. At that time I had also applied for the same refi with my credit union who offered me a lower interest rate. New Rez said they would give me the same interest rate if I stayed with them. I agreed to continue the refi with New Rez because my current mortgage is with them and I thought the process would be less problematic. To this date XX/XX/2021 New Rez has not finalized the refi and continue to find reasons not to close by asking me for documentation I've already given them : XX/XX/XXXX New Rez requested my pension statement : I gave them the pension statement and income in the beginning of the refi and when I purchased the property. New Rez ask for information on other properties I own and I have sent them everything and they're asking for it again. It's become redundant and irritating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The account named XXXX XXXX XXXX  was a part of a bankruptcy XX/XX/2018. Over three years ago. And still has continued to report inaccurate negative information on my credit report. the company XXXX XXXX has accurate records of the bankruptcy as it shows as a flag to the credit report shortly after the filing of the bankruptcy. Yet continues to ignore bankruptcy laws and violate my consumer right to fair reporting. Experian has allowed this account/business to report negative information for over three years and continuing to this day. I have disputed this first premier back report multiple times over even going as far as providing proof it a part of bankruptcy years prior. I demand Experian remove this account and all of its inaccurate reports from my credit report ASAP Experian has even went as far as changing the original name of this account ( as I previously reported ) Experian has been unfairly reporting a lot of inaccuracies on my credit file for over three years and refuse to make this right causing my credit score to suffer. Experian will pay damages for what has been done if things cant be worked out fair and my scores and report wont be compensated by reaching out demanding it be made right and ASAP I have suffered long enough, over three years and placed in a certain category, denied and charged higher fees and rates. Experian deserves to be sued in the court of law!

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 2021-06-20 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: NJ

Complaint narrative:
On XX/XX/XXXX an old close, settled and removed XXXX  XXXX account was Re-inserted on my Equifax Credit Report. That account was on XX/XX/XXXX and XXXX XXXX had sold the account to a collection company without report that to the credit bureaus which illegal by the FCRA and the FDCPA. Fast forward XX/XX/XXXX when i contacted XXXX XXXX concerning that account they had told that they wasn't holding the account anymore and had referred me to a collection company named XXXX XXXX XXXX. On XX/XX/XXXX i had got in touch with the collection company " XXXX XXXX XXXX '' and they had offered me settlement deal for an amount less than the charge-off amount. The original charge off amount was {$210.00} and the collection company had accepted {$89.00} from me in exchange to settle the account and remove the account from all the credit. As a pay for deletion settlement After i had received my confirmation letter from the collection company in about 2 weeks after my payment i notified Equifax about the settlement via a dispute. On XX/XX/XXXX that XXXX  XXXX account was removed from my Equifax credit file On XXXX XXXX without my consent, my knowledge, my agreement nor my signature that same old closed, settled, and removed account was illegally and unlawfully reported and RE-INSERETED on my Equifax credit report with inaccurate address, inaccurate status date, inaccurate payment status, inaccurate past due amount, and inaccurate balance. Due to the Re-insertion of this inaccurate account on my credit report XXXX  XXXX has violate my RIGHTS, DEFAMATE MY CHARACTER in the eyes of other lenders and financial institution and also has damaged my credit because my credit score had drop drastically by 75 point. and now my credit score went from VERY GOO to FAIR.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX And XXXX XXXX is my son he lives with my mom I send money to him through cash app. On XX/XX/XXXX I sent him XXXX dollars to his account. They locked his account he couldn't take money out. I know hes only XXXX but that's the only way to send my baby money. Me and his grandmother XXXX XXXX has been trying to get the money for my son but they wont let me I request a refund they wont let me get the money back I send money to my son alm the time .I know he is only XXXX and not old enough to get a cash app but we never had a problem till now. He does not have his old number and cant remember the password to his gmail. I have sent so much proof I sent this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
We have been trying to refinance for months and we kept getting conflicting information about what FG needed from us to process our application - we went through the whole thing twice. I posted a XXXX  complaint and got a number to call which was just a generic CS number, and no one ever called us back. Now they denied our refinance application and send a debt collector to our door on a Saturday - we're refinancing with someone else, and we've been on the mortgage deferral program, so we owe them nothing

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 2021-06-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX an old close, settled and removed Capital One account was Re-inserted on my XXXX  Credit Report. That account was on XX/XX/XXXX and Capital One had sold the account to a collection company without report that to the credit bureaus which illegal by the FCRA and the FDCPA. Fast forward XX/XX/XXXX when i contacted Capital one concerning that account they had told that they wasn't holding the account anymore and had referred me to a collection company named XXXX XXXX XXXX. On XX/XX/XXXX i had got in touch with the collection company " XXXX XXXX XXXX '' and they had offered me settlement deal for an amount less than the charge-off amount. The original charge off amount was {$210.00} and the collection company had accepted {$89.00} from me in exchange to settle the account and remove the account from all the credit. As a pay for deletion settlement After i had received my confirmation letter from the collection company in about 2 weeks after my payment i notified XXXX  about the settlement via a dispute. On XX/XX/XXXX that Capital One account was removed from my XXXX  credit file On XXXX XXXX without my consent, my knowledge, my agreement nor my signature that same old closed, settled, and removed account was illegally and unlawfully reported and RE-INSERETED on my XXXX  credit report with inaccurate address, inaccurate status date, inaccurate payment status, inaccurate past due amount, and inaccurate balance. Due to the Re-insertion of this inaccurate account on my credit report Capital One has violate my RIGHTS, DEFAMATE MY CHARACTER in the eyes of other lenders and financial institution and also has damaged my credit because my credit score had drop drastically by XXXX point. and now my credit score went from VERY GOO to FAIR.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: NY

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 2021-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello Ill like to file a complaint on Chase thy closed my account a day after I spoke to a representative was nothing wrong with my account and thy didnt have any reason why thy did it the only thing what was that representative realized on my name that Im XXXX I called in already a few times and try to see if someone can help me always the same answer thy cant give out more information why I was closed Since I know I didnt do anything wrong or violated any rules So must be thy did it because my religion I think its so unfair Ill appreciate if someone can get back to me Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

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 2021-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I mailed these credit reporting agencies a letter on XXXXtelling them that these accounts listed were fraudulent, but they still kept the on anyway. they were supposed to remove them after 4 days of receipt of my letter under 15 USC 1681c-2. to this day XXXX XX/XX/2021 XXXX, these fraudulent inaccurate accounts and inquiries are still appearing on my credit report. over 30 days have passed, under the FAIR CREDIT REPORTING ACT, the bureaus was to have completed the reinvestigation of disputed information within 30 days. the 30-day mark has come and gone without any response from their office. I am asking the CFPB to please take charge so my consumer rights can be justified with proper remedy.

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 2021-06-20 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: NY

Complaint narrative:
I mailed these credit reporting agencies a letter on XXXXtelling them that these accounts listed were fraudulent, but they still kept the on anyway. they were supposed to remove them after 4 days of receipt of my letter under 15 USC 1681c-2. to this day XXXX XX/XX/2021 XXXX, these fraudulent inaccurate accounts and inquiries are still appearing on my credit report. over 30 days have passed, under the FAIR CREDIT REPORTING ACT, the bureaus was to have completed the reinvestigation of disputed information within 30 days. the 30-day mark has come and gone without any response from their office. I am asking the CFPB to please take charge so my consumer rights can be justified with proper remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX  are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
false home address shown on XXXX  XXXX  and XXXX  reports ... False hard inquiries starting on XX/XX/XXXX to XX/XX/XXXX I did not make on all reports..Contacted by Missouri family services my name was used to illegally get food stamps and help I live in another state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-20 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent dispute letters to Experian for several companies and also included requests to dispute invalid addresses as well as inquiries that were not permissable by me. Experian did not update or clear up any inaccuracies. I sent proof that I reached out to the creditors for debt verification via certified letter and received no response within the 30 day time frame and Experian still refused to correct my credit report. The law states that any unverified debt can not be legally reported to the credit bureaus, therefore these creditors that have not responded to my requests for validation in a timely manner, or at all, should be removed from my 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 2021-06-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Wrong name on bank account, never have opened account at Bank of America and never had XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: TX

Complaint narrative:
Wrong name on bank account, never have opened account at XXXX XXXX XXXX and never had 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 2021-06-20 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: I.C. System, Inc.
State: TX

Complaint narrative:
Wrong name on bank account, never have opened account at XXXX XXXX XXXX  and never had 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 2021-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KS

Complaint narrative:
On XX/XX/2021, I sent a letter to Fifth Third Bank regarding an account that showed up on my credit report requesting validation of ownership and proof of the application. Post 30 days and Fifth Third has not responded. This account was opened without my knowledge or consent. They have failed to comply with the request as required by FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Nordstrom 's failure to positively post an accurate payment history to the 3 Credit bureaus has hurt my ability to obtain credit. I have never been late on my Nordstrom Card credit payment account and my account has been paid in full. 

Under the CARES Act, passed by Congress in 2020, I soughed payment relief from XXXX because I was affected by the pandemic from XX/XX/XXXX to XX/XX/2020. Moreover, I was able to pay my account on time and in full and still XXXX reported my account 30 days late on XX/XX/2020. 

I have been wrongfully denied credit recently due to inaccurate information reporting from XXXX to the 3 Credit Bureaus. XXXX failure to correct inaccurate reporting is a violation of the Federal and California Fair Credit Reporting Acts, among other laws

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: CA

Complaint narrative:
XXXX 's failure to positively post an accurate payment history to the 3 Credit bureaus has hurt my ability to obtain credit. I have never been late on my XXXX XXXX credit payment account and my account has been paid in full. 

Under the CARES Act, passed by Congress in 2020, I soughed payment relief from XXXX because I was affected by the pandemic from XX/XX/XXXX to XX/XX/2020. Moreover, I was able to pay my account on time and in full and still XXXX reported my account 30 days late on XX/XX/2020. 

I have been wrongfully denied credit recently due to inaccurate information reporting from XXXX to the 3 Credit Bureaus. XXXX failure to correct inaccurate reporting is a violation of the Federal and California Fair Credit Reporting Acts, among other laws

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX failure to positively post an accurate payment history to the 3 Credit bureaus has hurt my ability to obtain credit. I have never been late on my XXXX XXXX credit payment account and my account has been paid in full. 

Under the CARES Act, passed by Congress in 2020, I soughed payment relief from XXXX because I was affected by the pandemic from XX/XX/XXXX to XX/XX/2020. Moreover, I was able to pay my account on time and in full and still XXXX reported my account 30 days late on XX/XX/2020. 

I have been wrongfully denied credit recently due to inaccurate information reporting from XXXX to the 3 Credit Bureaus. XXXX failure to correct inaccurate reporting is a violation of the Federal and California Fair Credit Reporting Acts, among other laws

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