vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: MD

Complaint narrative:
Waypoint Resource Group is began reporting this non-validated debt on my XXXX XXXX  and XXXX credit file WITHOUT sending me a dunning notice. I sent a letter to Waypoint Resource Group requesting for validation of a debt they claim I owe of {$540.00}, according to the provisions of the FDCPA. Waypoint Resource Group sent a reply of a billing statement attempting to collect a debt. Waypoint Resource Group has violated the provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to XXXX XXXX and XXXX. The [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. Waypoint Resource Group has NOT provided me adequate documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: 1st Franklin Financial Corporation
State: AL

Complaint narrative:
There are inquiries on my report from these companies that I do not recognize. I have made an attempt to contact the company to have it corrected and to prove that it was fraud without resolve. I have filed a formal police report in XXXX, AL. The case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: AL

Complaint narrative:
First they told me I couldnt have a private flood insurance, so I got the recommended insurance and I paid out of pocket for ( did not come out of escrow ). A couple of days later the private insurance company contacted me ( by email ) and thanked me for renewing. I contacted the mortgage company and they told me it was their mistake, butI would have to get my money back from the private insurance myself. 
Then my regular home insurance contacted me ( by email ) letting me know that my current insurance expired on XX/XX/26. I again contacted the mortgage company and still to this day it has not been resolved, nor have I been contacted by them in anyway. Ive called and used their wecare form.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: CORELOGIC INC
State: AL

Complaint narrative:
There are inquiries on my report from these companies that I do not recognize. I have made an attempt to contact the company to have it corrected and to prove that it was fraud without resolve. I have filed a formal police report in XXXX, AL. The case number is 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 2021-07-15 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: CO

Complaint narrative:
Transunion, XXXX  and XXXX  are all reporting incorrect balance on my auto loan with XXXX. In addition to making all regular payments on time. I've made multiple PRINCIPAL payments to expedite paying down the loan. Each credit reporting agency is reporting a loan balance of {$12000.00}. XXXX is reporting a loan balance of {$11000.00}. This has happened for two consecutive months. Failure to report my account accurately is against the Fair Credit Reporting Act Laws. I have bank statements as evidence and statements of facts.

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 2021-07-15 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Ive sent a letter on XXXX to all 3 major credit reporting agency regarding some inaccurate accounts on my credit report. its been 3 month and I have not gotten a response yet. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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 non-monetary relief
Consumer complaint received 2021-07-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
There are inquiries on my report from these companies that I do not recognize. I have made an attempt to contact the company to have it corrected and to prove that it was fraud without resolve. I have filed a formal police report in XXXX, AL. The case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: ME

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/2021 Populus Financial Group , Inc. d/b/a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Closure Request Checking Account XXXX To Whom it May Concern : On XX/XX/2021, I asked in writing for Populus Financial Group , Inc. d/b/a XXXX to close the above captioned account. 
Later that day, I was informed that my account could not be closed via email and was given instructions to log in to your account online and select Help -- > Close Your Account. 
To my knowledge, XXXX is only available via smartphone application, not online, and no such options exist within the app. 
Now, I must reiterate my request to close this account. 
Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
There are inquiries on my report from these companies that I do not recognize. I have made an attempt to contact the company to have it corrected and to prove that it was fraud without resolve. I have filed a formal police report in XXXX, AL. The case number is 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 2021-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: NV

Complaint narrative:
We have received a letter from Selene Finance regarding the escrow shortage amount of {$750.00} on XX/XX/XXXX. 

On the letter shows I need to pay {$750.00} or my monthly payment will increase {$62.00} a month. 

Selene Finance took over my mortgage service since XX/XX/XXXX and started causing problem. 

At the time Selene Finance notice us the escrow shortage of {$750.00}, we received a check from previous title company shows that there was {$750.00} left in the escrow account. 

Selene Finance does a poorly job and keeps telling us it is due to COVID.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
On I discovered ( CONVERGENT OUTSOURCING ) had been re-inserted into all my three-credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification, without my knowledge of this account. I've proof of account was deleted and reappearing. Please delete this item 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 2021-07-15 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:
In XXXX of 2021, I noticed there were multiple unauthorized, inquires and addresses listed on my consumer file. I did not consent to, authorize, nor benefit from the inquiries or addresses. I submitted a letter, identity theft report, and police report to each bureau detailing this information and asked them to block and remove the information from my consumer file. To date, this has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: NC

Complaint narrative:
Below I am copying the information that Experian keeps reporting, no matter how many letters or calls I have made to have this information removed and updated correctly. 

Each time they say updated, they change the date of last activity. This is illegal. 

Not one of the bureaus has sent me any information on how they verified anything. Now, since my last letters to both XXXX  and Experian, XXXX  has deleted this account. I sent a follow XXXXuite letter to Experian and still not even a response. XXXX  never was able to verify or send me any information. I have been disputing the information below that is reporting inaccurately since XXXX of XXXX. 

I have sent letters and certified letters and all I get from Experian is updated. Updated to what? They update nothing and just type the same information over and over again. I get no responses at all from none of my letters from Experian. I get a letter or post card that states how they investigate, yet I get no proof of documentation or validation. All bureaus are not contacting the creditor to get accurate information. 

I mailed letters out XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requesting information be removed or cleared up. 
All the information is conflicting and no-one wants to help. I feel unvalued as a consumer, and violated. I have sent additional letters to all three bureaus as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Absolutely no updates or removal. Still reporting inaccurate information and also is causing me credit worthiness. Reports are showing derogatory debt.

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 2021-07-15 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: SC

Complaint narrative:
I have been disputing incorrect information on my credit reports with XXXX, XXXX  and Equifax for months with no communication or results. I will attach all my letters to prove that I have worked relentlessly to have this work done by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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:
In XXXX of 2021, I noticed there were multiple unauthorized, inquires and addresses listed on my consumer file. I did not consent to, authorize, nor benefit from the inquiries or addresses. I submitted a letter, identity theft report, and police report to each bureau detailing this information and asked them to block and remove the information from my consumer file. To date, this has not been done.

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 2021-07-15 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
There are inquiries on my report from these companies that I do not recognize. I have made an attempt to contact the company to have it corrected and to prove that it was fraud without resolve. I have filed a formal police report in XXXX, AL. The case number is 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 2021-07-15 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: GA

Complaint narrative:
A negative account ( XXXX XXXX XXXX ) was added to my report without proper notification, this negative account was allowed to attach to my credit file without following FCRA rules, I have asked via certified letter 3 different times for documentation showing this is in fact my debt and have been ignored each time and on this ground this account should be removed expeditiously.

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 2021-07-15 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: GOLDMAN SACHS BANK USA
State: NM

Complaint narrative:
APPLE CARDXXXXGS BANK USA reported a New Bank/Credit Card to your XXXX  Credit File. 


i never got a card and they are now reporting to the bureas

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: T.S. Holdings
State: AR

Complaint narrative:
IQ Data called and threatened to seize my Social Security XXXX and sought my Veteran benefits in order to collect on a debt which I dispute. They also refused to send me paperwork to document this debt when I asked for it in order to review by an attorney and myself as well as making sure this not some scam call. No account number was given. They said they would initiate state mechanisms to collect their disputed funds. I was intimidated into offering up my limited financial reserves in order to protect my desperately needed SSDI to keep a roof over my head. I am retired, have health issues ( hence the XXXX ) and have limited human contact. Once she found out I was retired and on XXXX she really turned up the heat accosting me. It feels like elder abuse as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: NJ

Complaint narrative:
I did not consent to, authorize, nor benefit from any of the following Inquiries or Accounts. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through an FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX XXXX  XXXX  Date Opened : XX/XX/XXXX Amount : {$250.00} ( UNTITLED ) Date Opened : XX/XX/XXXX Amount : {$510.00} XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$250.00} XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} DEPT OF ED:XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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:
I found inquires that are total fraud. I found absolutely unknown inquires in my own credit profile. I do not want to have these inquires because they are not mine. Could you please help me to figure out who used my personal data and filed these items? Of course I would like to get rid of them and if you remove them after your check I would be very grateful.

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 2021-07-15 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:
I found inquires that are total fraud. I found absolutely unknown inquires in my own credit profile. I do not want to have these inquires because they are not mine. Could you please help me to figure out who used my personal data and filed these items? Of course I would like to get rid of them and if you remove them after your check I would be very grateful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Viking Client Services
State: NY

Complaint narrative:
I choose to invoke my Rights an a Natural Person A Consumer pursuit to 15 USC 1692c ( d ) An Individual In pursuit to Title 15 chapter 41 Consumer Credit Protection In violation of my consumer rights I am being harassed by a debt collector In pursuit to 15 usc 1692d Also in violation of my consumer rights via mail fraud in pursuit to 18 usc 1341 Violation in pursuit to 15 usc 1681 FCRA my information should be private. 
Violation in pursuit 15 usc 1692 Congressional Findings and Deceleration of Purpose. 
Violation in pursuit to the FDCPA False deceptive and misleading information. 
All debts are alleged. 

All debts are alleged obligation I dispute Any debt where applicable I love Myself

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
XXXX applied for refinance with TD Bank. Received a rate lock and XXXX points. I supplied all documentation requested by XX/XX/2021. On XXXX I received a " notice of incompleteness '' from TD Bank which they withdrew the next day indicating that they had everything. I followed up on XXXX asking for a status ; received a response XXXX saying they would honor the original rate and that I would have an approval within 2 weeks. On XXXX I still had not heard from TD Bank. On XX/XX/2021 TD Bank requested all documentation - again. Documentation supplied XXXX. On XXXX I was advised TD Bank was waiting for a subordination letter. On XXXX I was advised the application was fast-tracked. XX/XX/XXXX - nothing. On XXXX I was asked for the documentation for the third time with the instructions that they must be returned by XXXX ( 3 days before they sent the e-mail! ). Documents uploaded by XXXX. On XXXX TD Bank requests the documents again - 4th time - which are supplied on XXXX. On XXXX I was advised of a closing date of XXXX - never happened. On XXXX TD Bank requests I unfreeze my credit so they can soft pull - done. Now, XXXX they want more documents signed - but they have changed the original lock agreement to include points. 
All of this is just wrong, incompetent and, I Believe, an effort to force me to quit the application because the rates have risen. 
Interesting detail - the current mortgage is with TD Bank - the refi is also with TD Bank. How difficult can this be?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo abruptly reversed a credit for two disputes totaling XXXX and XXXX that I told them I did not make. They did not care and took money from my account 3 months after the fact which caused my account to go into the negatives! I just received my first stimulus and my child tax credit and Wells Fargo garnished them for the negative balance due to there error. Irs told me the stimulus was not supposed to be garnished and Wells Fargo is telling me they have to investigate as if everyone isnt aware of the stimulus being illegal to garnish. They have made it extremely hard for me to take care of myself and my children trusting them with there money and something needs to be done! Wells Fargo just takes money from peoples account with no warning and for no reason! And I need my monies back! I have bills to pay and kids to feed please help! This is horrible!

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