vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-18 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: FL

Complaint narrative:
On XX/XX/2021 I contacted Experian because I was not able to obtain a copy of my credit report. I sent Experian a notarized letter with copies of my government issued social security number, ID, my current address and a light bill. Experian advised me there was currently two variations of my social security number and it was linked to XXXX XXXX XXXXXXXX. I asked the dispute the account and was told by a representative the account was being disputed. I later called back 30 days later and the account was never disputed. I was told although I did provide documents to prove my identity. They could not remove the second social security number from my report because it was linked to XXXX XXXX XXXXXXXX. I contacted XXXX XXXX XXXX on XX/XX/2021 and advised them they were reporting a debt on my credit report that was not mines and I believe is a result of identity theft. After speaking to a female representative, she was not able to locate an account under my name, government issued social security number or any other valid information to verify this was my debt. I called Experian back and a representative disputed the account. The disputed account has now come back " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details ''. how is this even possible when the debt collection agency could not even validate the debt. Experian never even investigated. This is a clear violation of FCRA and my rights as a consumer.

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 2021-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
i been trying out of good faith t pay two medical bills from phoenix financial service my last payment made on XX/XX/XXXX of XXXX dollars was not applied i have my bank statements and it shows on their website it was recieved yet my balance did not go down, i attempetd to call them evry other day they are very rude and wont help specially the woman floor manager at this point i have my proof papaerwork and have tried doing my part

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. Please investigate if every piece of information is correct. If not, please remove it from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: OH

Complaint narrative:
I have not received any verification on how you received the alleged accounts attached in Exhibit C. And therefore request that you consider this final notice to your offices. Past this point the FTC & CFPB authenticated my sworn testimony on my end. Which I will definitely present to The Courts if need be as evidence of me trying to get this situation resolved and rectify this subterfuge that you are reporting.

I have not received confirmation nor a Testimony that your offices complied with the FCRA and its mandated rules when it comes to reporting accurately in 15 USC 1681 when it comes to accuracy and fairness when reporting. In which I did not validate nor give my consent for any of your companies to share my personal information to any bureaus or third party companies which are also violations. USC 6802 ( a ) & b & 15 USC 1692 ( d ) therefore you are to present me with a certificate testimony and copy that the alleged accounts in Exhibit C are Valid and not subterfuge.

******* ( COPIED FROM AFFIDAVIT ATTACHED ) *******

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 2021-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Hello, Our loan was being serviced by NewRez/XXXX  ( XXXX XXXX XXXX - Loan Number XXXX ) at the time COVID impacted my family ( husbands business ). I went into a foreberance plan ( total of a year ) At the ten month point I called XXXX/Newrez to start the process of reinstating my loan. They told me to call back at the 11 month point to start the process. At the 11 month point, I called again to reinstate my loan. By this time, I had an assigned person to may case. When I called the number of the person assigned to my case, I was told that everyone had the same servicer and it didnt matter who I worked with. They gave me three options which included : 1 payback the total amount owed, 2. roll the amount into the loan 3. modify the terms of the loan. I told them I was interested in option # 3 - if I were able to have a more current rate ( 2.5 % -2.7 % ) I would be able to better afford the new added burden of my husband loosing part of his business during COVID on my own. They said that there was no need to submit documentation and the said a modification at 2.7 % rate was available. They said to give them 30 -45 days and they would send me the modification in writing. At which point I would have 5 days to review and sign. At approx. 45 days I started receiving emails and mail notices of being late and not making payments. I immediately called them again. They were very hard to get ahold of but when I spoke to them they said not to worry - all communication was automated, I was still on forbearance and the offer was in the process. This continued for the next months - I would receive delinquency notices, then call, then be told that we were still in forbearance, not to worry and the modification was coming. By end of XXXX I received notice that my loan was being transferred to a new servicer - Shellpoint ( shellpointmtg.com - loan XXXX ) as of XX/XX/XXXX. I immediately called Shellpoint to voice my concerns of my loan being transferred before the modification was agreed to. I've since received a validation of debt notice from Shellpoint and and working with them - at this point they say they say that New Rez has 60 days to send over all info, but still have not received any indication that a modification was even in process.

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 2021-06-18 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: ALLY FINANCIAL INC.
State: WY

Complaint narrative:
Ally financial not only allowed my sister to illegally obtain a auto loan in my name to a relative, But they are now illegally re- aging the charged off account on my three credit bureau's.This is a complete blatantly violation of the fcra.This is when a company changes the dates on an account to penalize someone. In my case they showed this account was closed on XX/XX/XXXX which dropped my score 50 points..This account was charged off in XXXX of XXXXYet it was supposedly just closed.But have credit reports of it showing closed.This is an illegal tactic. This is a very dishonest company.I have provided my attorney the proof of what they have done as well as sent it to their local attorney General.Its one thing to dispute who got an auto loan, but I'm even more appalled by this tactic. it was told to me by an attorney. XXXX XXXX XXXX.dob XXXX ss # 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 2021-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ERC
State: GA

Complaint narrative:
hi my name XXXX XXXX XXXX i wan to complain a company nam erc LLc on XXXXi have pay the collector amount XXXX dollar and. erc LLc toll me they will removall my collection of my credit report. now i pay them they tell me now they cant take of my credit report this is not good .to day XXXX i call again they toll me they not going to removal of my credit report sol today i add for help please there addrest is enhanced recovery LLc XXXX XXXX XXXX XXXX  fl XXXX XXXX XXXX XXXX to hepl me thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted documentation on XX/XX/2021 and XX/XX/2021 and still have not received a response from XXXX  or Transunion.

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 2021-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. Please investigate if every piece of information is correct. If not, please remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Since the beginning of the year, every single mortgage payment weve tried to make to Bank of America has been misapplied as principle curtailment. According to XXXX from payment research, Bank of America has a new system. Lets assume youve made your XXXX payment on XXXX. Your next payment is due XXXX. If you try to make your XXXX payment prior to XX/XX/XXXX or XX/XX/XXXX or XX/XX/XXXX, depending on the month, Bank of Americas system will not credit your XXXX payment ; rather it will automatically post it as principle curtailment, regardless of the directions enclosed with the payment ( either on the check or online ). Once the payment is misapplied, it takes Bank of America weeks to correct their mistake ( current wait time for payment received XX/XX/XXXX for payment due XXXX to be applied to XXXX payment is XXXX ). Assuming that what XXXX said was correct ( that the new system will only apply a payment beginning on the XXXX, XXXX or XXXX of the month for a payment due the first of the following month ), we effectively have a one week window during which we can successfully pay our mortgage by the due date. In the past, we could pay our mortgage up to 60 days in advance of our due date. As of this year, we have contacted Bank of America every month for six months to attempt to resolve this ongoing problem with their new system with no resolution in sight.

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 2021-06-18 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: NJ

Complaint narrative:
I have a Credit Card with Capital One ( Savor ). I wished to downgrade my card from the XXXX to the No Fee XXXX. Capital One has made this task difficult to impossible to accomplish. 

Complaints - Capital One will not allow me to make the change to the card I want. They say that product change would be a downgrade and they only offer upgrades ( I was offered the VentureOne instead ). No other credit card company has given me a problem when downgrading.

- The company tried to scare me by telling me the offer to upgrade to the VentureOne was expiring tomorrow. When I called back 2 days later the same thing was still offered to me.

- When I asked if changing to the Savor card to the VentureOne would disqualify me from a sign up bonus on the Venture card, I got a wishy washy answer that they think I can't get more than one sign up bonus on the same account. The language in their terms is wishy washy as well. ( Existing or previous Accountholders may not be eligible for this one-time bonus. ) The bonus should be offered or not. There should be clear terms that disqualify me if that is the case. Not whatever the company feels like on any given day. 
- When I finally agreed to change to the XXXXeOne, I asked if I would be refunded my annual fee I had to pay last month. They said they don't refund fees ( again, all other companies I have interacted do not treat their customers this way. ) This is especially egregious because under federal law I can't request a product change until a year has passed and I have been charged the fee for year 2.

- When I voiced my frustration about my entire experience with the company I was cut off and placed on a permanent hold. ( as of writing this I have been on the phone for 30 minutes listening to same mind numbing tune ) Capital One is engaging in anti consumer behavior to cheat me out of an extra {$95.00}. I would love to close my account and punish Capital One by taking my business away from them, but the system we live under would penalize my credit score because my average age of credit and available credit would be hurt by that action. I feel cheated and trapped.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: CA

Complaint narrative:
XX/XX/2021 Dear Sir or Madam : On Monday, XX/XX/XXXX, I received a letter from Synergetic Communication , Inc. a collection company - ( attached ) concerning a debt that I supposedly owe to XXXX XXXX. There is a secondary collection company named XXXX XXXX XXXX who is also named as a debt collector. 

Both of these collection companies have received numerous complaints against them for various violations of the Fair Debt Collections Practices Act. 

I have tried calling the number on the letter to find out what this is about but no one picked up the phone. I was only able to leave a message. However, today is Friday, XX/XX/XXXX, and I still have not received a phone call back. 

This concerns me because I have never heard of any of these companies before. Not XXXX XXXX  nor XXXX XXXX XXXX nor Synergetic Communication , Inc. And as such, I have never had any dealings with them let alone owe them the money they claim I owe them I am contacting you to let you know that all of these companies are obviously conducting fraudulent actions against me and I ask that you take a hand in the matter. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
As of XX/XX/2021 I have not been able to resolve the issues with creditors prior to inquiries that have been posted on my account and I would like to get these errors resolved immediately

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 2021-06-18 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: NY

Complaint narrative:
On XX/XX/2021, I 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 Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days 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 the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WYNDHAM CAPITAL MORTGAGE, INC.
State: MI

Complaint narrative:
On XX/XX/2021 we applied for a refinance on our primary residence with Wyndham Capital Mortgage. Due to the low rates, on XX/XX/2021 we added a refinance of our rental property in Florida. By early XXXX, we completed every bit of documentation was requested by Wyndham. We were told that an appraisal was not needed on our primary residence, but an appraisal was ordered for our rental property and completed on XX/XX/2021. On XX/XX/XXXX, when we hadn't heard back, we inquired with our representative from Wyndham, who has been very helpful and efficient, why were we waiting to close the loans. We were finally told that they were waiting for a rental schedule from the appraiser. I called the appraiser directly and asked why it was taking so long. He told me that Wyndham didn't order the rental schedule and now he could not do it. He said " They should have ordered the schedule when they ordered the appraisal ''. Today, XX/XX/XXXX, I have been told that they can not do our refinance at all because they can not find an appraiser to do the rental schedule. We have been working with Wyndham for 4 months, they should have known this months ago. We have lost our window of opportunity for the low rates that were available in XXXX. I have the documentation on dates, emails, phone calls etc. Also, dates of when documents were provided are on the Wyndham Capital Mortgage portal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-18 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: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
please review the following accounts that are reported on my credit report, without any authorization, it is hurting me Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft TARGET/TD Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 
. Identity Theft XXXX Account Number : XXXX This is not mine. 

Identity Theft TARGET/TD Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief