vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/XXXX applied for Wells Fargo Credit Card ( personal use with spouse as co-user ) Letter dated XX/XX/XXXX from Wells Fargo " Action needed '' Identity can't be verified and to call XXXX number, called and was told to fax copy of Drivers License and copy of utility bill. I do not have a Fax so made an appointment at local Wells Fargo bank to fax information. 
XX/XX/XXXX faxed Drivers License and utility bill ( from Wells Fargo bank XXXX XXXX NC ) receipt confirmed. 
Letter dated XX/XX/XXXX from Wells Fargo " Decision '' Identity can't be verified and unable to approve. 
Called W-F XXXX number again, was told by W-F operator XXXX that the application will be reviewed and Faxed information ( sent on XX/XX/XXXX ) will be reviewed. 
Letter dated XX/XX/XXXX from Wells Fargo " Action needed '' Identity can't be verified and to call XXXX number. Called XXXX number again, was told that they could not verify address from faxed information. ( both Drivers license and utility bill had address correct and matching address of my residence. ) I was told i would have to send an addition utility bill ( fax ). I told Wells Fargo representative to cancel my application. He told me they could not because it was in process and that they would put in a request to cancel the application. ( noting that the letter dated XX/XX/XXXX stated the to provide the information by XX/XX/XXXX or application will be declined. I asked to escalate the issue that i wanted the application cancelled immediately as i no longer would like to do any business with Wells Fargo. and again was told I could not cancel the application because it was in process, but they would put a note in file to cancel the the application due to consumer request. 
Letter dated XX/XX/XXXX from Wells Fargo " Action needed '' Identity can't be verified and provide information by XX/XX/XXXX So is had become very obvious to be that Wells Fargo does not listen or does not follow through with request of their client or potential customers. 
They have gone totally against my request and extended this application. 
This application could potential affect other credit application, credit score and my ability to get credit.

I want Well Fargo to Stop any application for credit with them and remove the pending request and to remove any such record on my credit report.

Well Fargo should be also giving negative rating for their handling of this issue.

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 2023-05-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against New Rez Shellpoint for attempting to seize my property without validating the alleged debt. Under federal law, no property can be seized, and collection efforts must cease when a debt is disputed, and there is no sufficient validation. 

Despite my repeated attempts to dispute the alleged debt and request validation, New Rez Shellpoint has continued to harass me with aggressive collection efforts. They have threatened to seize my property without providing any evidence of the debt 's validity. 

As you are aware, the Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to provide verification of the debt, including the amount owed and the identity of the original creditor. Despite my requests, New Rez Shellpoint has failed to provide any such verification. 

This behavior is not only a violation of federal law but also a clear violation of my rights as a consumer. I urge you to hold New Rez Shellpoint accountable for their actions and ensure that they comply with all applicable laws and regulations. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX I am submitting this complaint on my behalf and I swear that all statements are true to the best of my knowledge

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JP Chase Charge off a debt and then sold the debt to XXXX XXXX XXXX. 

I open an account with JP Chase in 2013 with a balance transfer. Chase never sent me a billing statement. At the same time, I opened a bill payer with XXXX XXXX to pay JP Chase every month for {$100.00}. The plan was to modify my payments to payoff the debt before the grace period ended. I forgot about Chase because I never received any billing statements by mail or electronically, but the XXXX XXXX payments were sent every month. 

Chase Charged off the debt and sold to XXXX XXXX XXXX. The {$100.00} payment were still going to Chase even though they sold off the debt. My credit report still reflects that Chase is the holder of the debt, no mention of XXXX XXXX XXXX. Chase never notified me the debt was Charge off or sold to XXXX XXXX XXXX. Chase has been receiving my payments for years and then sending them to XXXX XXXX XXXX. 

I only found out about XXXX XXXX XXXX because I answered the phone after persistent calls to stop the calls. 

It is my understanding that JP Chase is required to notify me of the Charge off and requires my sign of to sell the debt to XXXX XXXX XXXX. None of this occurred. JP Chase is still reporting debt even though it has been sold to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stuart-Lippman and Associates, Inc
State: NC

Complaint narrative:
On XX/XX/XXXX I refinanced my auto loan through XXXX XXXX XXXX in XXXX, NC. My previous auto loan servicer was XXXX XXXX XXXX. I decided to refinance with a different lender based on my credit ratings and to get a better interest rate. The refinance was done over the phone and via e-mail with the payment being deducted from my account weekly in the amount of {$95.00}. On XX/XX/XXXX my daughter had an accident in my vehicle which resulted in a total loss of the vehicle. I didnt find out until the day of the accident that I didnt have full coverage on my XXXX XXXX XXXX XXXX I was insured by XXXX XXXX with full coverage on my vehicle up until XX/XX/XXXX. The coverage was dropped & changed to just having liability on the vehicle due to my driving history. Not realizing that this had happened since my payments were on auto pay. I decided to refinance my vehicle with XXXX XXXX XXXX 6 months later since they were offering a refinance special for their members. After the accident I contacted XXXX XXXX XXXX and spoke to the loan officer about my options going forward. I called XXXX XXXX and they insured me that there was nothing that could be done on their behalf and to call my lender to see if they had a force placed policy on my vehicle. The loan officer stated that they didnt have any insurance of that type on my vehicle. At this point my only option was to surrender the vehicle because it wasnt drivable. I called and they had a tow truck to come out and pick up the vehicle and I had to stop payments on my account after I no longer had the vehicle. On XX/XX/XXXX I received an email from the loan officer about the final details on the auto loan. It stated that the car sold for {$3700.00} and their XXXX insurance paid {$10000.00} and it left a balance of {$810.00} on the loan and was asked would I like to setup a payment plan to get it paid off and that we could do {$25.00} a week. My ending balance on my auto loan was {$14000.00}. Two weeks after I no longer had possession of the vehicle. In XX/XX/XXXX I received a hit on my credit report for a collection added in the amount of {$11000.00} from a collection agency XXXX XXXX and XXXX. After finding out that it was XXXX XXXX XXXX that sent my account to collections Ive tried contacting them to see why my account was in collections for an amount that was different than what was discussed. From the 1st day that I signed this contract I was in breach and I was never notified about not having the proper insurance and that I had a force placed policy on my auto loan. I feel like Im having to suffer from the lenders carelessness with my auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: PA

Complaint narrative:
I recently received a copy of my consumers reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B 1. XXXX XXXX XXXX {$110.00}

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 non-monetary relief
Consumer complaint received 2023-05-08 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: GA

Complaint narrative:
I am demanding to delete this inaccurate information left on my credit report. Me, as a consumer have rights under FCRA, FDCPA and plenty others. However, I have closed account with XXXX XXXX XXXX in which I closed it XXXX of 2023. Before, I closed the account there was a late payment on my credit report which is completely incomplete, inaccurate and incorrect which the laws states under FCRA it must be accurate and fair. In this case- you can not say I am late 30 XXXX, 60 in XXXX, XXXX ( blank ) then XXXX  120 days. Thats reporting inaccurate information and violation fcra regulations as a consumer that I am. I have disputed this account numerous times and came back verified. this is last stretch getting this account deleted from All 3 ( Transunions, XXXX and XXXX ) before I take further steps on suing these folks for not doing their job under 15 us 1681s-2. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 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:
I am demanding to delete this inaccurate information left on my credit report. Me, as a consumer have rights under FCRA, FDCPA and plenty others. However, I have closed account with XXXX XXXX XXXX in which I closed it XXXX of 2023. Before, I closed the account there was a late payment on my credit report which is completely incomplete, inaccurate and incorrect which the laws states under FCRA it must be accurate and fair. In this case- you can not say I am late 30 XXXX, 60 in XXXX, XXXX ( blank ) then June 120 days. Thats reporting inaccurate information and violation fcra regulations as a consumer that I am. I have disputed this account numerous times and came back verified. this is last stretch getting this account deleted from All 3 ( XXXX, XXXX and Equifax ) before I take further steps on suing these folks for not doing their job under 15 us 1681s-2. 

XXXX XXXX XXXX XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I attempted to order a cashiers check which can only be done online on the Capital One website of mobile app. Neither of these options were functional ( kept receiving an error message saying We ran into a snag. Please try again later. Customer service was unable to help resolve the technical issues. I tried to wire transfer funds to another bank and the website wouldnt allow that either. I asked the customer service manager to wire the funds for me so that I would have access the funds same day and she instead did an ACH transfer so now I dont have access to the funds until they clear the other bank. 

I was given wrong information and I dont have access to my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXXXXXX XXXX XXXXXXXX XXXX Act Name : XXXX XXXX XXXX Act Name : XXXX XXXX XXXX, Act Name : XXXX  XXXX, Act Name : XXXXXXXX XXXX, Act Name : XXXXXXXX XXXX XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX, XXXX XXXX Name : XXXX XXXX XXXX Act Name : XXXX  XXXX, Act Name : XXXX XXXX, Act Name : XXXXXXXX XXXX XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I disputed negative items on my consumer report with Equifax on XX/XX/2023, unfortunately I didnt send it certified mail so I cant prove when Equifax received it, and I already know that its just my word against their word. I do know that I sent Equifax a dispute letter, and they have not yet responded, and by law they are required to respond within 30 days after receiving a dispute letter from the consumer. 

Attached to this complaint is a copy of the dispute letter I sent Equifax, and since they have not yet responded to my first dispute, I am requesting that they delete all items that I have listed on my attached dispute letter since they are in violation of the FCRA, which makes all my disputes unverifiable. If Equifax indicates that they never received my dispute letter, then I am requesting that Equifax conducts a Consumer Investigation, not just a verification with the furnisher of information.

15 USC 1681a ( e ) indicates that a consumer investigation means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he or she is acquainted or who may have knowledge concerning any such items of information. I will expect Equifax to give me the names and phone numbers of those they spoke with after their investigation, otherwise the negative items on my consumer report will be unverifiable and must be removed. 

Thank you for your cooperation Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 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: SC

Complaint narrative:
XXXX XXXX and equifax all have my concerns about identity theft i have no knowledge of the following accounts including XXXX XXXX and XXXX XXXX. i have asked them to either perform a proper investigation and to remove these things from my consumer file for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: SC

Complaint narrative:
XXXX experian and XXXX all have my concerns about identity theft i have no knowledge of the following accounts including XXXX XXXX and XXXX XXXX. i have asked them to either perform a proper investigation and to remove these things from my consumer file for fraud.

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 2023-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
My wife and I decided to pay the taxes ourselves on the home, which is when the trouble began. My wife and I then decided to have Mr. Cooper  pay the taxes and insurance. 

On XX/XX/2023, I received the following documents to have them pay the taxes and insurance. My wife and I filled out the documents and returned the documents to Mr. Cooper. In addition, I was instructed to send a XXXX dollar check to Mr. Cooper, which I did on XX/XX/2023, and indicated on the check that this would be applied to the escrow account only. 

Today is XX/XX/2023 ; I called Mr. Cooper and was told that my Escrow was open and closed simultaneously. How can my escrow account be opened and closed at the same time? 

I put on check in the memo section for Escrow shortage only. Unfortunately, Mr. Cooper failed to apply the money to my Escrow account. An attempt was made to move the XXXX dollars to Escrow, but because the account was open and closed, the money could not be moved. 

Mr. Cooper refused to answer whether they would pay my taxes on my home, having assured me on or about XX/XX/XXXX that they would indeed pay all of my taxes on my home. 

I can not afford to pay this month 's taxes as I gave the money I would use to pay the tax bill to Mr. Cooper. My wife and I have lived in the current home for the last 17 years and have never missed a single payment. However, we are now in fear of losing our home for failure to pay taxes brought on by Mr. Cooper and need immediate relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act.The lists of accounts below have violated my federally protected consumer rights to privacy and confidentiality under law 15 USC 1681. 

XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information.Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation