vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-29 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: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
We need to have the mortgage balance amount corrected to reflect what is on the last month mortgage statement ( attached ). There are two balance amounts on the statement. 

There is an Interest Bearing Principle amount of {$180000.00} and right below that amount is showing as " Outstanding Principle '' of {$180000.00} - we're told that either should be reported to the Credit Bureaus. 

The amount being reported to all three credit bureaurs is " {$190000.00} We called into SPS to find out why the amount reported to the bureaus exceeded the amount on the XXXX monthly statement, but did not get an concise answer or heard anything that made explained the amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: AL

Complaint narrative:
I opened a dispute with Experian on XX/XX/XXXX because they are showing a card with XXXX still has over XXXX past due. That card has been paid in full since XX/XX/XXXX and I uploaded proof from XXXX stating that. Experian closed the dispute yesterday XX/XX/XXXX and claim XXXX stated the XXXX past due is accurate. It's not. I called Experian yesterday XX/XX/XXXX and agent opened a new dispute. It has also been closed as of today XX/XX/XXXX. The system barred me from disputing online again. This is hurting my credit. I already disputed with XXXX and have that same account showing {$0.00} as is accurate. This credit card was opened by a family member without my knowledge. That family member has subsequently paid in full and this {$1800.00} past due should not be on my 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 2022-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: OH

Complaint narrative:
Vance and Huffman stated on my previous complaint to consumer finance.gov that they will be closing account and removing account from my credit reports. Instead they sent to XXXX and other bureaus that the collection account is correct. They lied and did not do as they stated and furthermore this is not my collection!!! I have zero knowledge of this account. I pay all of my bills on time and now am losing out on getting a home!!! They are completely messing with my quality of life. They absolutely need to deletXXXX this collection off of my credit AS THEY STATED THEY WOULD pubically on the consumer finance.gov website under complaints.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Built Homes LLC
State: OK

Complaint narrative:
We live in XX/XX/XXXXand have a home mortgage with United Built. They take your land as collateral to secure the mortgage. We are in a mortgage with over 9 % interest, which is unheard of rates at this time. My income lowered by over 40 % at the time of the pandemic. We fell behind our payments and have been unable to get refinanced due to late payments. United Built would not even discuss a forbearance during the pandemic. So we are stuck in this high interest mortgage. We also have been unable to get any relief assistance because we are not in a federally backed loan. This mortgage company is so unfair to myself and others. While the government continues to offer help to those of us who have been impacted greatly by this horrible pandemic our mortgage company offers none. Very sad.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XXXX dollars was charged to my account on XX/XX/21 because of a transaction of XXXX dollars was not available in my account. This XXXX dollars was NOT available in my account and I was sent a notification of my card being declined. If my card was declined why am I always charged overdraft fees. I've tried 2 times to tell them to set up my account so that IF there is NO monet in there to not charge me. Wells Fargo has not taken care of this so this is the 3rd time. I feel like they want to charge me.

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 2022-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
To whom it may concern : Ever since I opened ( XX/XX/XXXX ) this Capital One Quicksilver Credit Card Account and being unaware and charged with some overburdening Fees/Charges associated with this type of credit card offer, I have been miserable with having to maintain this account ( ending in XXXX ). I was only financially able to finally pay off the entire credit card balance ( {$3100.00} ) on XX/XX/XXXX. 

On XX/XX/XXXX, I learn that I was charged another XXXX XXXX XXXX : {$25.00}. Again, this account was closed ( supposed to be completely Closed ) as of XX/XX/XXXX. I asked the representative at time off closing this account what is the Total/Full Balance/amount owed to Capital One associated with this account and it was two thousand nine hundred sixty two and sixty seven cents. I paid that {$2900.00} amount. 

As of XX/XX/XXXX and also discussed in a conversation with a Capital One representative, supervisor ( XXXX in XXXX, Florida ), my referenced account accrued interest ( {$25.00} ) for a billing cycle from XX/XX/XXXX - XX/XX/XXXX. I fully paid this account off and all matters ( fees, charges, balances ) involving this account up to and including on XX/XX/XXXX. 

In reference to Capital One, there is simply no way to explain nor justify charging a so called Customer any fees, charges, after an Account was " officially '' Closed except to strong arm, unethically abuse your ( Capital One ) financial abilities against the consumer. 

I would appreciate the CFPB to have Capital One reverse/eliminate this {$25.00} charge and once and for all close the referenced account. Thank you all for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-29 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I learned about my poor credit in XXXX or XXXX. I began my credit repair journey by hiring a credit repair company, XXXX. After a few months of using their service, I realized I could no longer afford to pay their fees and discontinued their services. In XXXX, I learned that I could work on repairing my credit myself and have been working diligently to do so. 

However, the credit reporting company LVNV Funding has made my journey a bit difficult. In XXXX of XXXX, I sent my first letter to LVNV Funding asking for validation of my debt as made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. In XXXX of XXXX, I received a letter back stating that " information responsive to this matter has been previously sent '' and that they " will not continue to respond to duplicative requests without additional information. '' As I have not received any correspondence directly from them to my current address, besides this letter, I am not sure what information I need to send to them to provide the additional context they are needing from me. 

In XX/XX/XXXX, I sent another letter requesting validation of the debt and received a copy of the first letter in XX/XX/XXXX. At this point, I am attempting to resolve this bad debt in good faith, but have not been able to validate that this debt is indeed mine. I have attached all correspondence between LVNV Funding and myself for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I had a auto loan through navy federal. Times had changed for me to where I wasnt getting paid as much so I called the bank and stated I was unable to continue making for the vehicle and for them to come pick the vehicle up and we can set something up to where I can get this debt removed off my credit. They were supposed to come pick the vehicle up, I was told they would then auction it off and that I would have to pay the difference. They never came for the car. I have called multiple times in regards to this matter. Its been years and still the car is in my possession, they have only contacted me about the amount owed and that if I dont pay it will effect my credit. I have told them multiple times that I have the car ready for them to come get picked up or towed and they still have never come. I now have a debt on my account that is overly priced on a car that has been sitting waiting for the bank to repossess and never came. As they stated, it did effect my credit. Now I have a car thats been sitting. Most likely wont sell as much now which means I am now stuck with the debt of entirety which I feel is unlawful and unjust when they have been notified of where this car is for years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reliant Capital Solutions, LLC
State: MN

Complaint narrative:
I am filling a complaint with the Consumer Financial Protection Bureau.

Collectors are required by Fair Debt Collection Practices Act to send you a written debt validation notice with information about the debt theyre trying to collect. It must be sent within five days of the first contact. Reliant Capital Solutions has not provided me with anything to validate this. Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter. 

On XXXX I received a letter from Reliant Capital Solutions informing me about account number : XXXX in the amount of {$1500.00}. The letter stated that unless I notify offer within 30 days of receiving this notice that I dispute the validity of the debt. Their office will assume that this debt is valid. 

I sent a validation letter to Reliant Capital Solutions dated on XX/XX/XXXX and I never heard back or received any validation that the debt belongs to me. I kept waiting for validation. I will upload a copy of the validation request letter that was sent postmarked XX/XX/XXXX. 

On XX/XX/XXXX, I got an alert from my bank and other credit applications such as XXXX XXXX and XXXX that I had a new collection account that was reported. I logged in and see that Reliant Capital Solutions has reported a collection account to XXXX and XXXX without giving me any validation that account number : XXXX in the amount of {$1500.00} in fact belongs to me. Reliant Capital Solutions has not provided me with proof that I owe this debt, yet they reported the account as collections. This is a clear violation. 

I have no record of owing this debt and would like this to be removed with XXXX and XXXX. I have already contacted and disputed this with both credit agencies and have yet to hear back from XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GULF COAST COLLECTION BUREAU, INC.
State: OH

Complaint narrative:
Son had urgent care visit in XXXX of 2020. Insurance was not ran correctly and as such we were charged full amount. We have since communicated with insurance carriers and had placed a hold on the bill to determine if either insurance would cover. I never received notice that insurance was not covering and have now received a debt collection letter from Gulf XXXXoast Collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: CITIBANK, N.A.
State: AL

Complaint narrative:
I have had this card for nearly a decade and it was closed on XX/XX/XXXX. I contacted them on XX/XX/XXXX to reopen the card. The agent told me a hard pull on my credit was necessary and they might reopen the card in 5-10 business days. I spoke to the complaint manager in the evening of XX/XX/XXXX and he told me they were not going to reopen the card due to adverse marks on my credit report. There is one card since XXXX with adverse information. This card was opened by a family member without my knowledge and later paid off. I have proof from the card holder XXXX stating as much. The complaint manager said I could submit documentation by mail and I will mail that off later today, but I made it very clear I was extremely dissatisfied with this service. I have had autopay on my Citi cards for years and my payments were always timely. One card not even opened by me should not be grounds for them to refuse to reopen the card I've had nearly a decade. Citi also should be required to email/call customers prior to closing accounts. I am in the process of buying my first house and this is my longest line of credit. Losing it will severely impact me negatively in that process. 

XXXX has already corrected this erroneous balance of XXXX and I have disputes with the other credit bureaus in progress.

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 2022-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: VA

Complaint narrative:
After coming off a COVID19 Forbearance XX/XX/2021. I have tried to reach out to my lender by all attempts via telephone, via email and via mail after notifying my lender I can resume to payment what is the next time. My lender sent my a denied letter for all COVID19 due to XXXXien on my property and the steps to appeal. I immediately appeal requesting documentation of a lien on my property which I never received any documents from my lender. I finally got a hold of my lender in XX/XX/2021 and i was able to explained my situation and asked for assistance to resume to payments. What I thought my lender provide in XXXX was a nightmare i received a notice saying my property was being foreclosure I immediately reached pleading for HELP. I have now sent over my loan modification packet to learn I am missing documents. Which were medical docs proof showing my COVID19 records. I have a FHA loan is this the rule or process for my loan modification after coming off of a covid19 forbearance. I need help?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I went to my mailbox and retrieved several pieces of mail in that mail was a XXXX debit card issued from TD Bank that I never applied for. 
Further inside of the mail was a statement issued from TD Bank of a returned check that was deposited to this account and an overdraft fee associated because of altered or fictitious check. 
This check was deposited in XXXX Maine TD Bank I contacted their fraud department and I have reported this they have intern began their investigation of this so now I am reporting this particular issue to you There are also several others within the mail which I will file complaints with also after I have contacted these companies to file complaints Check deposit date of XX/XX/2022 Check was identified as fictitious Check was drawn from bank labeled XXXX & XXXX for an amount of {$1900.00} & labeled as a XXXX  check On the signiture is the name XXXX XXXX XXXX and typed for deposit only

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
We need to have the mortgage balance amount corrected to reflect what is on the last month mortgage statement ( attached ). There are two balance amounts on the statement. 

There is an Interest Bearing Principle amount of {$180000.00} and right below that amount is showing as " Outstanding Principle '' of {$180000.00} - we're told that either should be reported to the Credit Bureaus. 

The amount being reported to all three credit bureaurs is " {$190000.00} We called into XXXX to find out why the amount reported to the bureaus exceeded the amount on the XXXX monthly statement, but did not get an concise answer or heard anything that made explained the amount.

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 2022-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
We need to have the mortgage balance amount corrected to reflect what is on the last month mortgage statement ( attached ). There are two balance amounts on the statement. 

There is an Interest Bearing Principle amount of {$180000.00} and right below that amount is showing as " Outstanding Principle '' of {$180000.00} - we're told that either should be reported to the Credit Bureaus. 

The amount being reported to all three credit bureaurs is " {$190000.00} We called into XXXX to find out why the amount reported to the bureaus exceeded the amount on the XXXX monthly statement, but did not get an concise answer or heard anything that made explained the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: MD

Complaint narrative:
We need to have the mortgage balance amount corrected to reflect what is on the last month mortgage statement ( attached ). There are two balance amounts on the statement. 

There is an Interest Bearing Principle amount of {$180000.00} and right below that amount is showing as " Outstanding Principle '' of {$180000.00} - we're told that either should be reported to the Credit Bureaus. 

The amount being reported to all three credit bureaurs is " {$190000.00} We called into XXXX to find out why the amount reported to the bureaus exceeded the amount on the XXXX monthly statement, but did not get an concise answer or heard anything that made explained the amount.

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 2022-01-29 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
In XXXX of 2021, Wells Fargo bankXXXX XXXX  was negligent by carelessly allowing and approved a checking account to a fraudster ( s ) under my name and other inaccurate government issued identification by accepting and approving the criminal ( s ) application without confirming positive Identification. 
The bank also approved and opened the checking account without the required XXXX dollar opening deposit.The fraudster ( s ) made a successful fraudulent change of my legal home street address to the bank that was reported to the banks fraud dept. however Wells Fargo bank continued to keep the account open and continued to mail monthly bank statements to the fraudster ( s ) fraudulently changed street address for several months after I reported the crime to Wells Fargo Fraud dept. 
I continue to work with law enforcement agencies and take possible legal action against all parties involved if necessary. 
Wells Fargo bank was negligent and careless and I am determined to hold them and all others accountable who were allowed and successful in stealing my Identity and using it to defraud me.

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