vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
It has now been four months since we requested a release for the vacant lot adjacent to the single family home that Shellpoint Mortgage Servicing obtained when they took over the loan servicing agreement on from XXXX on in late XXXX. 

On XX/XX/XXXX, I requested a partial release of this vacant lot. On XX/XX/XXXX, all required documents were submitted to Shellpoint Mortgage Servicing. 

I have had a purchase agreement for this vacant lot since early XXXX, XXXX, and always expected that some or all of the proceeds from the sale of the vacant lot would be used to reduce the principal on the mortgage. The failure of Shellpoint to proceed in a timely manner has caused me significant financial harm and duress. I have had to negotiate an extension to the purchase agreement multiple times. As well, the purchase agreement has again expired and I am attempting to revive it. Shellpoint has failed to make a timely response to these purchase agreements. 

Permission to spend the money to get an appraisal of the vacant lot and the house came nearly three months after all of the documentation required by Shellpoint for the partial release were provided by me. The appraiser showed up on XX/XX/XXXX. 

Shellpoint now claims that I made 2 late payments past the 30 day due date This is a lie. One payment was recorded by Shellpoint as late when Shellpoint took over from XXXX and they were in transition. It was paid on time. One payment arrived on the day due, ( I have USPS records ) but was not processed on time. I always send my payments USPS with delivery confirmation. Shellpoint is using this falsehood to excuse their failure to do their job in a timely manner. 

Shellpoint does not respond to phone calls or emails. I am forwarded to customer service and then to various departments who do not know what is going on or do not exist. I receive letters but no responses to my replies. I have written twice to the Executives and CFO of both Shellpoint and parent company NewRez by certified mail and received no response. 

I have never encounters a company that is more willfully and intentionally dodging doing there job. Please HELP!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WLCC
State: CA

Complaint narrative:
I became aware of this debt on XX/XX/XXXX upon receiving my paycheck and discovering a garnishment for 15 % of my wages, I received no notice or communication from XXXX XXXX XXXX about this matter. On XX/XX/XXXX, I contacted the phone number provided to me by my employers payroll processing company XXXX, the phone number is for a collection agency called APEX, when I told them I had no knowledge of this debt, they referred me back to XXXX XXXX, I contacted XXXX XXXX 5 times, XXXX XXXX referred me back to APEX and APEX said that they don't have my contract and that I need to get that from XXXX XXXX, I again contacted XXXX XXXX and requested a copy of the contract, I received an email this morning from their finance department from someone named XXXX, stating the contract was attached, the contract was not attached. I again contacted XXXX XXXX 's finance department and was told that they could not discuss the matter with me and I needed to contact Apex, upon contacting APEX, I'm punted back to XXXX XXXX. I have emailed XXXX XXXX customer service and asked them to revoke what ever permission they claim to have against my wages to no avail. I need this to cease immediately, I have no knowledge or information about this debt and XXXX XXXX and Apex are playing games.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: NY

Complaint narrative:
Since XX/XX/2018 I've been disputing a Unverified account that do not belong to me which is XXXX XXXX on my Credit Report with Experian, XXXX, and XXXX. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) the Credit Bureaus have on file of the account. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Despite more than three written requests, the unverified account ( XXXX XXXX ) still remain on my credit report in violation of Federal Law. Experian, XXXX, and XXXX  are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of there investigations, they stated in writing that they verified that these items are being reported correctly? But Who verified these accounts? Experian, XXXX, and XXXX have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore Experian, XXXX, and XXXX have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA you are required to. Experian, XXXX, and XXXX  failure to positively verify these accounts has hurt my ability to obtain credit.

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 2020-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC
State: NV

Complaint narrative:
My father, XXXX XXXX XXXX, passed away on XX/XX/2020. He had absolutely no estate whatsoever. The only creditor he has had in the last 20 years is a credit card through his bank, which he paid monthly and which was at XXXX balance at the time of his debt. He had no medical bills because he was a XXXX  military veteran and had a combination of XXXX and XXXX for Life. On XX/XX/2020, I received a harassing form letter from a company called DCM Services, based in XXXX, MN, stating they know my father passed away and they wanted to know who is authorized to pay any bills that may be outstanding against the estate of my father,. NO CREDITORS ARE CITED IN THIS LETTER, and I know for a fact they have no clients they are representing. A quick XXXX Search of this company shows numerous complaints of this company using this same ambulance chasing practice with other folks whose loved ones have passed away. A call to the NV XXXX  ( my dad resided in NV with me ) revealed 39 complaints by this company for this same practice of sending form letters to the families of people with no estates and no debts - in the past three years. I have filed a complaint with the MN XXXX  and the MN Dept of Commerce. I am sure there is a federal law that prohibits this kind of predatory collection activity. ESPECIALLY NOW WHEN OVER 100,000 PEOPLE HAVE DIED IN A PANDEMIC. HOW MANY FAMILIES ARE BEING UNDULY HARASSED IN THEIR TIME OF GRIEF?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: WI

Complaint narrative:
reporting inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: WI

Complaint narrative:
reporting inaccurate information

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 2020-06-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
Redeemed a IRA CD with a maturity date of XXXX XXXX XXXX and was charged a no disclosed fee off XXXX dollars. 

The contract I signed said nothing about XXXX dollar fee! 
In response the bank sent me a letter claiming the was discussed with me prior which it was not and added a fee schedule dated more than a year after I signed the document. 

Not fee was discussed with me at time of signing document and no fee schedule was added.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: LA

Complaint narrative:
Experian keep updating this debt as VALID even though the collection agency XXXX is not validating the debt per FCRA. On XXXX XXXX I sent XXXX a letter requesting proof of debt and disputing the debt for XXXX XXXX. This is NOT a true and valid debt. XXXX mailed me a copy of a lease that was allegedly signed by me ( that was not signed by me, the signature is not my signature ) stating the debt is valid. These item do not qualify as full validation per FCRA. The information XXXX sent me did not include a copy of my drivers license, social security card, or any additional proof that this debt is mine. I have disputed this account several times advising that this account is NOT mines. XXXX is shifting the burden of proof on me ( the consumer ) stating that I need to mail in proof that i am not responsible for this debt when the fair credit reporting act states that all account must be properly validated by the collection agency which I know XXXX did not properly validate this debt, so there far the account must be deleted from all three credit reporting agencies. I contacted the apartment complex ( XXXX ) directly which they advised they don't have any information pertaining to previous residents. That also stated that XXXX   was a previous apt management company that managed billing and is no longer in business. They stated they are under new management and unable to assist me, so HOW DID XXXX PROPERLY VALDATE THIS DEBT? This company is in violation of the FCRA for continuing to verify the account as valid with the credit bureaus without providing the proper evidence as requested. They are major discrepancies which this company is intentionally ignoring and the law is clear as to civil liability and remedies available to me ( section 616 & 617 ) if you fail to comply with Federal law. I am a litigious consumer and fully intend on pursing litigation in the matter to enforce my rights under FCRA. I also have PROOF I was residing at another apt during this timeframe.

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 2020-06-17 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: DE

Complaint narrative:
This was regarding a XXXX - XXXX XXXX loan which was opened on XX/XX/XXXX and was paid regularly and prematurely in XXXX. Subsequently due to the error of the company sending me the final pay off amount at the wrong address and other delay, they charged me late fees for XXXX $ times XXXXwo for total amount of XXXX , I  contacted the company and they agreed to remove this from the credit report and still it has not been removed Equifax and it shows as charge off account.This has severely affected my credit history. 
I can be reached at XXXX. 

Thanks- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
*THIS IS A FOLLOW UP TO MY PREVIOUS CLAIM TO BE SENT TO VENMO* This is kind of a two part problem with BOTH Venmo and XXXX. What happened was is that I attempted to purchase football tickets through an individual online, I know huge mistake. I was scammed. They requested {$120.00} ( XXXX XXXX XXXX ) through XXXX. I sent it and the person claimed they never got it. So we attempted Venmo, in the promise that they will return the original {$120.00} IF they receive it. So I sent {$40.00} ( XXXX  XXXX XXXX ) on  Venmo and another {$110.00} ( XXXX Mobile Banking ) through another bank that I have. Same thing. They claimed they never got it. Thats when it started to click that I was being scammed. After I refused to send anymore money, they blocked me. I have no way of contacting this individual. I have attempted every possible route to recover my money. Venmo and XXXX wont help me. My banks wont help. My XXXX XXXX XXXX XXXX department recommended me to go through this route. Is there anything you guys can do for me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: MD

Complaint narrative:
I am a retired XXXX veteran that was scammed of his good credit. I noticed a Bankruptcy that was filed on my behalf with all kinds of documentations signed with a fraudulent signature similar to mine. At the time that that the bankruptcy was filed, I was in the XXXX, not available. I have NEVER MET WITH A LAWYER ABOUT BANKRUPTCY, I have NEVER DONE CREDIT COUNSELING CLASSES, yet they have mentioned that I took credit counseling classes. They had all kinds of credit documentations SIGNED WITH MY NAME. NOT MY SIGNATURE. I HAVE WILL TAKE A POLYGRAPH OR ANY TYPE OF SIGNATURE EVIDENCE to prove that it is not my signature. I tried to file a petition to dispute this bankruptcy through the bankruptcy court in XXXX Maryland. he bankruptcy was dismissed. I thought that was the end of it. I attempted to dispute with all the credit bureau. XXXX AND XXXX  REMOVED IT, BUT EQUIFAX REFUSED TO REMOVED IT because they said the creditor said it is a legit bankruptcy. I am suspecting a mortgage company by the name of XXXX XXXX XXXX  or XXXX XXXX  ( these were the 2 banks that took ownership of the mortgage one after the other ) with whom we were in battle for a foreclosed property located at XXXX XXXX XXXX , XXXX MD XXXX. 
I DON'T KNOW WHAT SCAM OR FRAUD THEY DID TO PIN A BANKRUPTCY ON ME TO REPOSSESS MY PREVIOUS HOME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
i sent a request to have fraudulent incorrect items reporting on my personal 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 explanation
Consumer complaint received 2020-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Transunion keep updating this debt a valid when XXXX or Transunion has NOT properly validated this debt per FCRA. On XXXX XXXX I sent XXXX a letter requesting proof of debt and disputing the debt for XXXX XXXX. This is NOT a true and valid debt. XXXX mailed me a copy of a lease that was allegedly signed by me ( that was not signed by me, the signature is not my signature ) stating the debt is valid. These item do not qualify as full validation per FCRA. The information XXXX sent me did not include a copy of my drivers license, social security card, or any additional proof that this debt is mine. I have disputed this account several times advising that this account is NOT mines. XXXX is shifting the burden of proof on me ( the consumer ) stating that I need to mail in proof that i am not responsible for this debt when the fair credit reporting act states that all account must be properly validated by the collection agency which I know XXXX did not properly validate this debt, so there far the account must be deleted from all three credit reporting agencies. I contacted the apartment complex ( XXXX ) directly which they advised they don't have any information pertaining to previous residents. That also stated that TVO was a previous apt management company that managed billing and is no longer in business. They stated they are under new management and unable to assist me, so HOW DID XXXX PROPERLY VALDATE THIS DEBT? This company is in violation of the FCRA for continuing to verify the account as valid with the credit bureaus without providing the proper evidence as requested. They are major discrepancies which this company is intentionally ignoring and the law is clear as to civil liability and remedies available to me ( section 616 & 617 ) if you fail to comply with Federal law. I am a litigious consumer and fully intend on pursing litigation in the matter to enforce my rights under FCRA. I have proof that I was residing at another apartment complex during this time.

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 2020-06-17 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: DE

Complaint narrative:
This was regarding a XXXX - XXXX XXXX loan which was opened on XX/XX/XXXX and was paid regularly and prematurely in XXXX. Subsequently due to the error of the company sending me the final pay off amount at the wrong address and other delay, they charged me late fees for XXXX $ times two for total amount of XXXX XXXX I contacted the company and they agreed to remove this from the credit report and still it has not been removed XXXX  and it shows as charge off account.This has severely affected my credit history. 
I can be reached at XXXX. 

Thanks- 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 2020-06-17 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:
Both Equifax and XXXX  updated my credit report for the issue I previously reported with XXXX. Original issue was, XXXX added a statement 'affected by natural disaster ' ( COVID ) and then removed it causing a massive hit to my score. After the investigation, XXXX added the statement BACK to my report as well as 'Current '. 

Outstanding Issue : My credit score never went back up from that massive deduction on either reporting agency report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
The issue is over a bad credit tick Kohls put on my report. On XX/XX/2019 I used my kohls credit card to pay for a purchase of {$140.00}. I immediately paid off the balance with my debit card in the kohls store. The cashier mistakingly applied my payment to someone else kohls charge making it appear as though I had not made the payment. Kohls attempted to charge me the total of XXXX plus interest and late fees making my total {$210.00}. I disputed this and got things taken care of on that end. I am now trying to get the bad credit tick they gave me removed from my history. As I was not actually late making my payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
IVE RECENTLY CHECKED MY CREDIT PROFILE AND NOTICED THAT SOME OLD UNVERIFIABLE ADDRESSES HAVE BEEN REINSURTED ON MY CREDIT REPORT WHICH IS HURTING ME BADLY BY CONSTANTLY REPORTING THIS. ITS BEEN 30 DAYS NO RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: AR

Complaint narrative:
I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unXXXX XXXXknown items. Please remove these fraudulent accounts from my report. Thank you.XXXX   XXXX {$1700.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$130.00}

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