vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
i had a mortgage with XXXX XXXX and was in the process of finishing up paperwork on a loan modification. All was set then i get a letter saying my mortgage was sold to a new company Shellpoint. This is where the issues started. I was accused of not completing the loan modification payments to XXXX XXXX when i did the whole process and was just waiting on the new payments to start. Now shellpoint is next to impossible to get a hold of so i was assigned a point person who i was never able to speak with. I left at least four to five voicemails for my point person but never received a call back. I finally spoke with my point person after i had to track her down because they sent a new mortgage for me to sign with no call or email of any kind it just showed up at my house and was way more than i had agreed to with XXXX XXXX. My point person said they would look into and confirmed my phone and email saying she would email me and reach out the next day. That was XX/XX/23, as of XX/XX/23 i still had not received a call or email. I called my point person again and by miracle she answered. asked why i never got a single return call and she said she did call and i asked what number and she gave a number i never heard of. I told her look at her notes we confirmed the right phone number and email on XX/XX/23 conversation. She had no explanation and i asked for a supervisor who was little help and said someone would call me back today XX/XX/23. I have been dealing with this for almost 4 and half months now. So now i have to sign the loan modification that I can't afford or pay {$22000.00} to bring my loan current as it was on deferment during the pandemic for 12 months. so, I am a single father of two teen daughters. The communication and explanations have been absolutely horrible. Almost 21 years in the house and only two prior mortgage companies and this is the first issues i have ever had.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Hard Inquires that are not authorized by me on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
Toyota Financial has made it near impossible to make extra payments towards your principal balance. They used to allow me to make an additional principal payment without issue. For instance, if my monthly payment is {$370.00}, I would pay {$400.00} with {$27.00} being added towards the principal. They removed the ability online to make an additional payment towards the principal. There used to be an extra box on the payment page for additional principal payment. Now when I make extra payment, they just apply it towards the next month 's due payment not the principal balance. They are clearly doing this in order to charge more interest on the loan. It is extremely shady behavior. And when I try to call Toyota Financial, I can not get anyone on the line to discuss the matter. They have no email option to contact them either that I have been able to find. This change in policy towards extra principal payments, seems to have taken place over the last three months. Currently, I am unable to make payments using the website as I always had since I took out the loan in XXXXXXXX XXXX XXXX  No reason has been given. I have tried calling Toyota several times to fix this issue and have not yet been able to get anyone on the phone. The app on my phone is also not currently allowing me to make payments. It says there is a biometrics error on their side.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OR

Complaint narrative:
My mortgage was sold to spservicing then it started to show that my loan type included PMI but it didn't charge me for PMI. I have called multiple times and every time they ask me to send a letter and they would get back to me 30 days. which is insane. And there is no way to pay the low fee amount. I have called and sent multiple emails about it to them and the service is purpose awful to the point where it is fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: Williams & Fudge, Inc
State: TX

Complaint narrative:
I have reached out to XXXX, XXXX, and XXXX to remove old account information which still appears on my credit file. These accounts have all be paid and or written off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One closed my bank XX/XX/2023 I've called to receive my check, but they keep hanging up the call when I try to get help to find out why I have not received my closed account check. So far, they have not done anything about sending me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found the following item to be error. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX XXXX XXXX XXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found the following item to be error. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found the following item to be error. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX XXXX XXXX XXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02 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: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I have been with the company for years and my direct deposit has been with them for almost a decade. They closed my account and could not give a solid reason as to why they closed it. I have spoken with multiple reps who said I would need to reapply in order to open the card back up. It should have never been closed since I was making the required payments. It also appears in my dashboard for online banking. I noticed the accounts interest increased even though the account is closed. I should not pay an increased interest rate when the account was closed prior to the increase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: TX

Complaint narrative:
Payments in the amount of {$2900.00} from XXXX - XX/XX/2022 are not reflecting on my credit reports from XXXX. I call in regularly to get this resolved and it has not been resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XXXX XXXX XXXX  to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/ to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am being ( XXXX ), targeted and abused with many credit card companies. 
I am forced to pay outrageous fees from XXXX dollars up too approx XXXX before I received credit. Forced into paying annual fee to even have any type of credit in the United States of America for the American Dream. 

The companies I have had to pay Outrageous fees too are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX Forced to pay fees of XXXX and higher, as an annual fee as well as paying fees out of the credit amount offered to me. 

The companies that have targeted me are as follows. 
XXXX XXXX XXXX, XXXX XXXX XXXX credit card, - Fee from the start - charged me to have credit XXXX XXXX XXXX XXXX charged me fees to have credit annual XXXX XXXX  XXXX Fees to have credit XXXX XXXX XXXX XXXX Fees to have credit XXXX XXXX  XXXX double charged me from the start of XXXX annual fee when advertised on Experian website as a promotional offer was XXXX I called and explained the situation to XXXX customer service and got no where. 
They refused to honor the offer and made me pay double what was advertised by experian. 

All of these companies I listed above trafficked me. 
They took advantage of me. Forced into being a slave paying above and beyond paying a normal interest rate on the dollar. I paid well over XXXX dollars before I was ever able to use the credit offered. 
I had exceptional credit with my auto lender in XXXX. 
I not once got over XXXX from major credit reporters. I opened my first credit card ever in XXXX some of the companies listed above also bait and switched my original credit card I was issued from the company and switched cards on me on their website without any notice to me at all. Further sending the switched differnt card in the federal mail with no notice before hand or why. 

I am XXXX AS A HUMAN BEING with credit. 
I am a XXXX to all the companies listed above. Each one of the five companies listed above as well as experian, XXXX, and any major credit reporting company should be sent this complaint. 

Experian, XXXX, and other major credit reporing companies have not allowed me to get past XXXX to obtain a home of my own as a first time home buyer for my family. As long as I am XXXX as a human being with credit I will never be able to obtain the AMERICAN DREAM. with my income bracket and having fees plus paying interest on top of that. 
the last 2 cards offered to me, one company being ( XXXX ) was pay fees in excess of almost XXXX dollars before they would even send the card. XXXX XXXX in credit is wrong. 
As an American Citizen Companies keep me XXXX. 


I have filed a prior complaint but it was closed due too needing more information from me. 

See below Priorcomplaint Submitted to the CFPB on XX/XX/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 2023-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
My Captial one account is closed been closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: TX

Complaint narrative:
EXPERIAN IS ROPORTING, FOR XXXX AND ITS NOT 100 % ACCURATE AND THEY ARE EITHER INACCURATE, UNVERIFIABLE AND INVALIDATED. HOW CAN THERE BE TWO DIFFERENT ACCOUNT NUMBERS FOR EXPERIAN AND XXXX. ALSO DIFFERNT BALANCE AMOUNT. IN ACCORDANCE WITH TH FAIR CREDIT REPORTING ACT, EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT AND 15 U.S CODE 1681 e ( b ) AND 15 U.S. CODE 1681i ( 5 ) these accounts are in violation of not reporting accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: TX

Complaint narrative:
XXXX made a mistake and had my legitimate accounts by XXXX XXXX flagged as XXXX. I've since then been given the runaround since XX/XX/XXXX from XXXX passing blame on to XXXX XXXX to resolve this issue. On XX/XX/XXXX after speaking with XXXX with XXXX XXXX XXXX dispute application department and was once again told that XXXX will need to contact XXXX  XXXX and acknowledge the error since I never disputed the accounts in question.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: TX

Complaint narrative:
XXXX made a mistake and had my legitimate accounts by XXXX XXXX flagged as XXXX. I've since then been given the runaround since XX/XX/XXXX from XXXX passing blame on to XXXX XXXX to resolve this issue. On XX/XX/XXXX after speaking with XXXX with XXXX XXXX XXXX dispute application department and was once again told that XXXX will need to contact XXXX  XXXX and acknowledge the error since I never disputed the accounts in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian made a mistake and had my legitimate accounts by XXXX XXXX flagged as XXXX. I've since then been given the runaround since XX/XX/XXXX from Experian passing blame on to XXXX XXXX to resolve this issue. On XX/XX/XXXX after speaking with XXXX with XXXX XXXX XXXX dispute application department and was once again told that Experian will need to contact XXXX  XXXX and acknowledge the error since I never disputed the accounts in question.

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