vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My husband and I bought a house in XXXX. Our first payment was due on XX/XX/XXXX. We were given a letter dated they XXXX of XXXX that our loan was transferred to XXXX XXXX and will be serviced through Newrez. We got it the day before our first payment was due. At this point we were already set up for payments with XXXX XXXX so thats who we paid with. They said we could pay them up until the XXXX. After that we pay Newrez. We let Newrez know and gave them to confirmation number on the 1st after we made our payment. They said the transfer of payment would take 7 business days. My husband called a week later and that person told him it would take longer. He called two more times each following week, and it was still not complete. I called on the XXXX of XXXX and that person told me they would initiate the transfer and it would take 72 business hours. I called back on the XXXX of XXXX and that person told me every attempt to transfer was canceled due to insufficient information. She said she could talk to a supervisor but there was nothing more I could do. At this point we have letters saying we are late and our XXXX payment was applied to XXXX. We have another letter saying we would get a late payment if we dont pay by the XXXX. I called today and that person told me we needed to provide a screenshot of our account showing we paid the other lender and it was not returned. He said it would take 7 days to complete. He also said that there was something sent to the credit Bureau. I thought we had a 60 day grace period for any credit reports or late fees, which would put us at the end of this month. And in reality this should not have taken this long to fix. I am not sure I trust that this will be taken care of since this is the 3rd person Ive spoken with, my husband spoke to 4 people, and it still isnt resolved.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: TX

Complaint narrative:
I am writing to express my deep concern and frustration regarding Experian 's continued failure to investigate and resolve the disputes I have submitted. I am compelled to bring this matter to your attention as it is causing significant distress and financial hardships due to the inaccurate information that remains on my credit report. 

Here is a summary of the events and correspondence related to my disputes : XXXX XX/XX/2023, I submitted a dispute letter to Experian via certified mail, tracking number XXXX. The letter was delivered to Experian on XX/XX/2023, providing ample time for investigation and response within the XXXX requirement as mandated by the Fair Credit Reporting Act ( FCRA ). 

XXXX received a response from Experian dated XX/XX/2023, which falsely claimed that my dispute did not appear to come from me or an authorized third party. I assure you that the dispute was indeed initiated by me. 

XXXX XX/XX/2023, I sent a follow-up letter by mail to Experian, reiterating my request for investigation. However, to my astonishment, I received an identical response dated XX/XX/2023, accusing me once again of unauthorized third-party involvement. 

-In an effort to address the accuracy of the information on my credit report, I proceeded to send direct disputes to both XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/2023. Unfortunately, I received no response from XXXX XXXX XXXX, which raises concerns about their compliance with consumer protection laws. I also sent a dispute letter to XXXX XXXX on XX/XX/2023, but the letter was returned to me as undeliverable. This highlights the inaccurate information being provided by XXXX XXXX to credit reporting agencies. 

XXXX XX/XX/2023, I submitted yet another dispute to Experian XXXX seeking resolution and requesting accurate investigation results. Unfortunately, no response was received from Experian. 

-Recognizing the urgency of resolving this matter, I submitted a dispute to Experian on XX/XX/2023, attaching copies of the returned mail from XXXX XXXX as evidence of the ongoing dispute. Regrettably, I did not receive any response from Experian regarding this dispute submission either. 

XXXX XX/XX/2023, I sent yet another letter to Experian, once again expressing my concerns and requesting prompt resolution. Despite my efforts, I have yet to receive any response from Experian regarding this 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 2023-08-10 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:
Regardless of multiple written requests, the unverified account listed below is still reporting negative on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove this account completely from my credit reports. DEPTEDXXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
The new One-Time Income Driven Repayment ( IDR ) Account Adjustment makes my loans eligible for forgiveness after 240 months. I have made 297 months of payments using the new rules that allow all months with loan status of RP, FB, and DA to count as eligible months and repayment status of consolidated loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION
State: TN

Complaint narrative:
I just started receiving 2 to 3 calls a day from XXXX about a debt I supposedly owe from a pay day loan. The only information he gave me, after I verified my identity, was the name of the lender and the amount I took out - Check 'N Go. I asked if they could send me some documentation so I can verify the debt and the man refused - it seems like he was intentionally being vague and confusing and only said that he had to mark me as refusing to pay, and that I could contact the pay day loan lender myself. 
I called Check N Go and they have no record of my name or social # in their system, plus their offices in my state of TN are all closed so I don't know that the debt would even be valid. They advised me to just call the debt collector back. 
I called XXXX back and told the same man that and again asked if he could send me any information on the debt and he refused- he said 'they were reaching the statue of limitations and would take legal action ' and he had to mark me as refusing to pay. 
I told him I wasn't refusing, but I needed SOME, any piece of information to validate the debt. He did not even give me an account number. He spoke very harshly and fast and hung up on me after saying again that they would pursue legal action. 
The first phone call I received from them was in the month of XX/XX/2023 - today is XX/XX/XXXX. He said they mailed me documentation which is not true ; I have received NO paperwork on this. My phone number hasn't changed in 15 years and my address has not changed in 3 years. 
I am terrified to call them back and end up speaking with the same person because he will not give me any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Once again this company is charging me late fees because their auto pay is not working. After the last complaint, I set up autopay again in XXXX to automatically take the minimum payment due. My payment was due XX/XX/XXXX and autopay was on. They did not take the payment and are now charging me a late fee. This is a continuous issue with this company, every other month I have to call them. They have not fixed the issue this month. I want all late fees reversed and the payment to be taken on the due date!!! Stop overcharging me for their system failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: CA

Complaint narrative:
Hi there We had a issue with our apartment complex, had a XXXX XXXX XXXX son, moved to XXXX XXXX apartment complex in XXXX KS, asked them to fix but they could not do, we decided to move and called them to give 30 days notice, gave but they gave us big amount and gave us to collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: IL

Complaint narrative:
On XX/XX/2023 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX someone hacked into my bank account and did a wire transfer of a total amount of {$4200.00} from my accounts. I reported it to the bank changed accounts and the very next week on XX/XX/XXXX someone went into my new account and did another wire transfer of {$1300.00}. I report all incidents and have the print out of the first XXXX transactions but the bank said I had to file the claim that could take up to 3-5 business days. They have only returned {$2200.00} but have tried to refuse to refund the remaining balance of {$3200.00} trying to say that it was connected to my IP address and facial recognition which was not me that did it. I've been with the same bank since XXXX and have never done anything like this in the past and they are trying to decline to repay the money that is owed. It was sent by wire transfer to XXXX XXXX  XXXX XXXX  by someone named XXXX XXXX and XXXX XXXX. I've never heard of these people and if you need the other person 's info I will have to get it from the bank since they did not give me a print out. I just want to make sure I file this report because it was fraud on my account and need to see what I can do. They also have been holding our direct deposits that went to the account due to not being able to change the direct deposit to our new bank and they have held onto these funds sine XX/XX/XXXX. And its XXXX weeks later and I still have not received my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Bankruptcy Case Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number XXXX XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account XXXX : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

I have already disputed these items with the bureaus, but they did not remove them, nor prove validation. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The debt collectors who put unauthorized inquiries on my credit reports. The creditor of these inquiries did used misconduct and fraud while invading my privacy because I did not give them permission to pull my credit, nor did I give them permission to allow others to pull my credit at the same time. I did not give them written nor any permission AT ALL. The FCRA states it is against the law to report anything on my credit report that I did not authorize or want to be or should be not there!! I reached out through dispute XX/XX/XXXX on XXXX inquiries with XXXX that were not authorized, nor had my signature or anything to pull my credit and the investigation came back in one day from XXXX stating that this remains the same. How dare they come back in a day without any investigation with no change or deletion. Their bad tactics and incompetence behavior to help the customer is appalling. This was not authorized none of the inquires I disputed on all credit reports. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: OH

Complaint narrative:
Over the last XXXX weeks I received XXXX calls from collection agency Harris and Harris. Each time I picked up they would immediately hang up on me prior to anyone speaking. I had no context in terms of what the call was in reference to and only later learned they were a debt collector. I eventually called back to inquire what the purpose of the call was at which point they mentioned they were aware of these phone issues and quickly went on to attempt to collect the debt. I was trying to address the situation with the harassing phone calls while they were trying to collect the debt and after asking for the phone calls to stop they hung up on me. I'm not even clear the implications of what that means towards the debt they allege I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: PA

Complaint narrative:
I'm not sure what company this is. All it says on my credit report is Credit Corp Solutions-Line of Credit for {$1700.00}. I have never heard of Credit Corp and I didn't borrow this dollar amount! So I'm disputing these charges!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On Saturday, XX/XX/XXXX, at approximately XXXX, we tried to deposit {$2000.00} into our joint account through ATM number XXXX, however the ATM swallowed all the bills and after an error message it accused the deposit of only {$300.00}. 
We called the number listed on the ATM machine ( XXXX ) and opened a claim number XXXX. 
The first call was at XXXX and after XXXX minutes the agent disconnected the call without a solution. 
The first agent acknowledged the error in the ATM machine and called a technician to fix the machine, however he advised us to not wait for the technician since it could take XXXX hours for the fix. 
We had to leave the ATM and drive to our destination, so we placed the second call at XXXX where to agent told us that a resolution would take place in the next XXXX. 
With no communication from the bank whatsoever, we called again on XX/XX/XXXX and after XXXX minutes we were told that a resolution could take 10 days. 
Since we have bills to pay with that cash and we can't wait that long for the release of our money ( and also every time we called a different information was given ), we called again on XX/XX/XXXX at XXXX for an update. 
The agent advised that we were eligible for a temporary credit for the missing {$1700.00}, however upon reading the notes for claim XXXX, a memo was added that their back-office rejected the request for the temporary credit. 
We requested to have that rejection escalated as Bank of America is holding our money without a proper reason. 
The agent advised that we needed to call back again to find out the response to her escalation in the next 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 monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
My family was looking to purchase toy poodle puppy and we found one on a website called XX/XX/XXXX. We found a puppy we liked and they had me fill out a form to contact me. The next day someone texted me claiming to be the dog 's owner and worked out the arrangement for the sale. I XXXX 'd the man a {$500.00} payment and a {$310.00} payment and they sent me a tracking number and everything and said my puppy would be delivered the next day. Wells Fargo is refusing to help me, even though I XX/XX/XXXX through my Wells Fargo app. Please help and ensure this terrible scam doesn't impact anyone else.

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 2023-08-10 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: CITIBANK, N.A.
State: TX

Complaint narrative:
The debt collectors who put unauthorized inquiries on my credit reports. The creditor of these inquiries did used misconduct and fraud while invading my privacy because I did not give them permission to pull my credit, nor did I give them permission to allow others to pull my credit at the same time. I did not give them written nor any permission AT ALL. The FCRA states it is against the law to report anything on my credit report that I did not authorize or want to be or should be not there!! I reached out through dispute XX/XX/XXXX on XXXX inquiries with XXXX that were not authorized, nor had my signature or anything to pull my credit and the investigation came back in one day from XXXX stating that this remains the same. How dare they come back in a day without any investigation with no change or deletion. Their bad tactics and incompetence behavior to help the customer is appalling. This was not authorized none of the inquires I disputed on all credit reports. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES,

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 2023-08-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My dad, myself, and my daughter bought a house on a VA loan. My dad passed away. Wells Fargo would not take payments from until I was proven the successor, which I was. They then denied us reinstate, because of not enough income even though we made as much as my was when the home was bought, I finally found the XXXX Mortgage relief program and put in an application which was denied due to being over the cap .Wells Fargo excepted XXXX dollars from to bring it below low the cap but now will not give the California mortgage refile program time to review the changes and bring the loan current

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