vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-12 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I want to request a cease and desist order on shellpoint mortgage and XXXX, XXXX and XXXX for violations of the CARES ACT protections. 
Shellpoint Mortgage is my mortgage lender # XXXX I am in an active approved forbearance under the CARES ACT. 
XXXX, XXXX, and XXXX credit agencies are reporting various balance increases on my Shellpoint mortgage, removing the items and re-entering different balance increases. 

Each of these entries results in an increase in my XXXX score and a change in my debt to income ratio. This behavior is a direct violation of the CARES ACT of 2020. 

The result is my credit report says I am increasing an existing line of credit by {$12000.00} during a pandemic and while I am looking for employment. 

Shellpoint Mortgage suggested that I write a letter to the credit bureaus to correct the incorrect entries. 

The credit bureaus are non responsive and suggest I file an investigation which will allow Shellpoint Mortgage 30 days to remove any derogatory items from my report. Shellpoint responded that they are not making the entries. 

I am actively seeking work and my credit report is used as a reference to my character! 

This can not wait 30 days! 

I am asking for all credit bureaus to be forced to adhere to the CARES ACT provision of not reporting anything concerning a clients participation in the forbearance program. 

NOTE : They are not saying that I am 30 days or 60 days late they are saying that I am increasing my balance by the amount of the forberrance which has been input in the amounts of {$4200.00} and {$12000.00} which are substantial amounts of increases in a persons credit or debt and they are reducing my credit score as a result!

I am trying to gain suitable employment and these acts are irectly impacting my ability to do so. This is what Congress intended to avoid with the stipulation that no negative credit reporting will occur if I was approved for this program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: Nelnet, Inc.
State: NY

Complaint narrative:
I checked my credit report on XX/XX/XXXX to find that my collective Nelnet student loan balance had increased from $ XXXX ( approximate ) to {$24.00} XXXX DOLLARS. I reached out to Nelnet who told me that they would resolve it within 7 days. 

I have daily monitoring of my credit report and after checking today I am still seeing that incorrect amount reporting to XXXX. This incorrect information will negatively impact my standing with all open lines of credit because it looks like Ive taken on way more than I can afford to pay back, and additionally a very important loan Im going to be applying for in the next few days will never go through because of this incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lendmark Financial Services
State: CA

Complaint narrative:
I have an installment loan with Lendmark Financial Services. I have made monthly online payments for eight months or so without incident and have reduced my outstanding balance to {$250.00}. This month however, I logged in to my account portal and when I click on Make a Payment for this loan, I get an error message that the service is temporarily unavailable. I have attempted to every day the last four days and received that error each time. 

Today I contacted an online rep and called my local branch, and both times the person on the phone stated, " it's always been like that for the last payments. '' They suggested paying by phone but would not take my debit card like the online portal does. Their only other option is to pay in-person with cash, but I'm reluctant to go as my household has essential workers and I'm high-risk for Covid-19. 

I asked repeatedly for their reasoning for why they would not accept online payments at this balance or why they did not disclose to me that my access to a payment service was contingent on my balance. Lendmark failed to disclose that I should expect to be denied a payment service because I was using it to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Collection Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor name : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX 
Original creditor name : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this 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 2020-11-12 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: FL

Complaint narrative:
THE ACCOUNT THAT I AM DISPUTING, DOES NOT BELONG TO ME AND I HAVE NO KNOWLEDGE OF IT. THERE IS ALSO A LATE PAYMENT REPORTING ON A XXXX/XXXX ACCOUNT THAT NEEDS TO BE ADJUSTED. THE LATE PAYMENT ACCOUNT NUMBER IS XXXX. THE DATE IS XX/XX/2019. I AM ASKING THAT THE DEROGATORY ACCOUNT BE REMOVED FROM MY CREDIT FILE AND THE LATE PAYMENT BE ADJUSTED AS SOON AS POSSIBLE.

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 2020-11-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I spoke to XXXX, account service manager XXXX today XX/XX/XXXX after I sent the earlier faxes we got cut off. Previous live calls= I spoke numerous times on phone since XX/XX/XXXX and faxes. when agent does not want TO HANDLE DISSCONNECTS OR PRETENDS CANT HEAR ME. I have paper trail and all supporting documents to prove my balance is correct. 
My account transferred from old account jot new account with issuance of new card number. Balance to date should be {$2500.00} as of XXXX XXXX, XXXX balance still states {$3100.00}. i sent payment investigation team consolidation and proof of payments. has not been corrected. 
There was a {$270.00} payment in XXXX applied internally from their other credit department - from citi rewards Mastercard which was then reversed in XX/XX/XXXX. It May play a hand in best buy/Citi accounting errors. 
There are missing payments. Wrong payments are listed on statements. 
Also when the account numbers changed form new card issuance the balance came over to the new card wrong, that is why there is a discrepancy between my balance and your balance ( per my call today with XXXX ). 
There was also a {$330.00} that is wrong in XX/XX/XXXX closing period statement there is an incorrect input on the wrong line under summary of account activity. The {$330.00} should not be purchases and should have been inputted under " previous balance '' line item. 
I need the account to be audited & corrected. 
i requested Best Buy to contact me by phone to discuss, it is impossible to reach someone that can help. 

closing period balance DATE Payments purchases adjustments new balance XX/XX/XXXX {$330.00} XX/XX/XXXX {$84.00} XXXX XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$84.00} $ - XXXX {$160.00} XX/XX/XXXX {$160.00} XX/XX/XXXX {$84.00} XXXX XXXX {$84.00} XX/XX/XXXX {$84.00} XX/XX/XXXX {$2600.00} XXXX {$2700.00} XX/XX/XXXX {$2700.00} XX/XX/XXXX {$0.00} XXXX XXXX {$2700.00} XX/XX/XXXX {$2700.00} XX/XX/XXXX {$83.00} XXXX XXXX {$2600.00} {$2600.00} XX/XX/XXXX {$270.00} XXXX XXXX {$2300.00} XX/XX/XXXX {$2300.00} XX/XX/XXXX {$360.00} XXXX {$2700.00} XX/XX/XXXX {$2700.00} XX/XX/XXXX {$160.00} XXXX XXXX {$2500.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$160.00} XXXX XXXX {$2300.00} payment reversal {$2300.00} XX/XX/XXXX XXXX {$2600.00} XX/XX/XXXX {$2600.00} XX/XX/XXXX {$140.00} XXXX XXXX {$2500.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$240.00} XXXX {$2700.00} XX/XX/XXXX {$2700.00} XX/XX/XXXX {$180.00} XXXX XXXX {$2500.00} account number corrected XX/XX/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 2020-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: TRUSTMARK CORPORATION
State: TX

Complaint narrative:
I was scammed out of XXXX on XX/XX/2020 I got sent a fake check which I thought was real. I deposited it to my bank and the person that I now know is a scammer told me to purchase XXXX XXXX Money orders. Im in XXXX  so I thought ok, Ill get a free XXXX because the check they sent was XXXX. So the amount of XXXX appeared in my bank a day later so I went to go get the Money orders. I shipped them. I have the address that it was shipped and I still have the emails and text messages if needed for investigation. I just need help on getting my Money back please. And trustmark bank told me they couldnt do anything for me.I also canceled the Money orders as soon as it showed the XXXX was not in my account any more. I called and they said it was a fake check.

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 2020-11-12 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: CA

Complaint narrative:
I'M HAVING ISSUES GETTING MY DISPUTE PROCESSED WITH THE CREDIT BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX

Complaint narrative:
I requested Forbearance on XX/XX/XXXX per phone and also sent an email with the appropriate FHA information regarding Forbearance. Other than an automated email asking for 4-7 days to review, I received no response until XXXX XXXX to let me know that Forbearance was not an option for me. On XXXX. XXXX, I emailed FHA information pertaining to my particular loan type to Vanderbilt. Received a response back on XXXX XXXX to let me know that there were no options available to me. I have called the FHA reaource center three times and these options are available to me by the CARES act, but not being granted by the mortgage company.

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 2020-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Purchase some open box merchandise from BestBuy. Merchandise was labeled as includes everything except the manual. When I got it home it was missing all of the mounting hardware. Attempted to return merchandise but I was informed they do not do returns on functioning items for missing parts. Parts that are missing are needed for installation though. When I returned to the store they had several other open boxes of the same items and I suggested they just pull the missing items from another one and relabel that one as missing items. They said they could not do that and that I could only bring back a non functioning device. It seemed like he was telling me to go home and break the item then return it but this seemed dishonest. I just wanted the mounting hardware. 

Filed a dispute with Citi Bank which had no activity for over two months. I called to complain and within a week was told the dispute was closed and I would have to refer to the store policy on returning merchandise. I provided the receipt that clearly showed that nothing but the manual was missing.

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 2020-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: DE

Complaint narrative:
A patient with the same name and date of birth as me was allegedly treated at XXXX XXXX  XXXX XXXX in XXXX, Georgia on XX/XX/XXXX. The medical bill was not paid and I received a letter dated XX/XX/2020 from Online Information Services ( OIS ) stating that I owed payment on three debt accounts for a total of {$2900.00}. On XX/XX/XXXX, I mailed a letter disputing the debt to OIS. I received a response from OIS on XX/XX/XXXX indicating that XXXX XXXX XXXX  XXXX and XX/XX/XXXX( the parent companies of XXXX XX/XX/XXXXXXXX XXXX ) confirmed the debt was valid. On XX/XX/XXXX, I discovered that OIS had reported the debt to XX/XX/XXXXand XX/XX/XXXX. The debt appeared on my credit reports from both agencies. I disputed the debt and froze my credit. XX/XX/XXXXremoved the debt from my report on XX/XX/XXXX. XXXX  removed the debt on XX/XX/XXXX. After calling XXXX XXXX and XXXX XX/XX/XXXXseveral times, I discovered the hospital had recalled the debt from OIS. One person from the hospital billing office and one person from XXXX XXXX told me the patient actually was not treated atXX/XX/XXXXon XXXX XXXX. There are many unanswered questions in this case, but the bottom line is that Online Information Services is at least guilty of not conducting an investigation before attempting to collect the debt. On the opposite end of the spectrum, OIS is possibly guilty of the practice of Zombie Debt as it appears the patient may not have been treated by the hospital on the dates in question. People should be very cautious when dealing with an unscrupulous and unethical collection company like Online Information Services , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/2020 I sent a dispute letter to Capital One Finance and all 3 credit bureaus. My account has 7 inaccuracies. It is well over 30 days again and the account still has 7 accuracies and nothing has been updated or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
The CFPB needs to investigato the theft of {$500000.00} for a loan that was already paid select portfolio serving provided the title company with a payoff statement of {$250000.00}. The I have now paid twice this is in addition to {$38000.00} I paid to {$28000.00} I did not owe. However the correspondence I just received did not contain the check I expect from them for my proceeds it was a letter offering me options to bring the account current. I dont have an account but they have my money. they have had the proceeds from the sale of my house since XX/XX/2020. 

I DONT WANT A RESPONSE I WANT A CHECK!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: CA

Complaint narrative:
Enhanced Recovery was collecting for a cell phone bill, I called Enhanced Recovery to pay it, and their collection agent promised me that if I paid them, they would delete it from my credit report at all credit bureaus. 
Their collection agent stated that all I had to do was dispute it through the credit bureaus after I paid them. 
So I paid them, and I have disputed this account multiple times through all 3 credit bureaus but Enhanced Recovery refuses to delete it as their collection agent promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: CA

Complaint narrative:
I'M HAVING ISSUES GETTING MY DISPUTE PROCESSED WITH THE CREDIT BUREAUS

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 2020-11-12 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: CA

Complaint narrative:
I'M HAVING ISSUES GETTING MY DISPUTE PROCESSED WITH THE CREDIT BUREAUS

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 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I had bought a XXXX XXXX XXXX on XX/XX/XXXX {$24000.00}. 
Balance owed time of repo {$10000.00}. XX/XX/XXXX They sold the vehicle on XX/XX/XXXX {$12000.00}. 
A collection agency contacted me and said I owed them money. {$10000.00}. And shared with me that it was sold. I explained to them I dont owe XXXX XXXX XXXX Any money if anything they owe me {$1800.00}. Plus my antenna and the mats. 
I had offered to pay them and they refused my offer. It was less than the original agreement but I still offered. I do need help with this matter. Even if it is taken off my credit report. 
It has been charged off so they actually have got paid twice for this vehicle.

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 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I had bought a XXXX XXXX XXXX on XX/XX/XXXX {$24000.00}. 
Balance owed time of repo {$10000.00}. XX/XX/XXXX They sold the vehicle on XX/XX/XXXX {$12000.00}. 
A collection agency contacted me and said I owed them money. {$10000.00}. And shared with me that it was sold. I explained to them I dont owe XXXX XXXX XXXX Any money if anything they owe me {$1800.00}. Plus my antenna and the mats. 
I had offered to pay them and they refused my offer. It was less than the original agreement but I still offered. I do need help with this matter. Even if it is taken off my credit report. 
It has been charged off so they actually have got paid twice for this vehicle.

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 2020-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: CO

Complaint narrative:
I had an email from XXXX  saying that I had an alert on my credit report on XX/XX/2020. I checked my credit report and it said Commonwealth Financial was trying to collect a debt of {$520.00} and I had a derogatory account. I have received no phone calls, emails or anything about this debt? I dont think it is mine. Im not sure how to get ahold of the company and if this is fraud or not. I dont have any debt for that amount. This is a false debt and I would like to clear this up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NY

Complaint narrative:
My mortgage is through XXXX, and today I received an email that my payment is due to a company called XXXX XXXX. I have received no correspondence by phone, email, or in my loan document center through XXXX regarding any company called XXXX XXXX. I have attempted to contact XXXX XXXX since XXXX today, and as of XXXX ( EST ) I have not heard from them. I contacted XXXX, who reports that on XX/XX/XXXX they sent notice that my loan was being transferred to XXXX XXXX effective XXXX but that letter has not been received, is not in my loan documents section of their website, and is well short of the 15 day notice requirements. 

As a result, I am concerned that I'm going to be charged a hefty late fee and have it appear as non-payment on my credit report, given that my checking account automatically pays this bill directly to XXXX and will be past the " grace period '' by the time it is received at XXXX XXXX. 

I have been on hold with XXXX for 28 minutes now attempting to obtain a copy of this notification of transfer, and they are refusing to help me except to say " we can send another copy which will take at least 5-7 business for you to receive ''. I can not get in touch with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
XXXX from XXXX calls me back to back if i ignore the phone calls. Also he calls representing USAA bank from a different company with whom i do not even have a relationship and insists on me " verifying '' my SSN with him.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation