vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-27 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX  XXXX My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.

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 2021-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2021-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
Congress Collections is attempting to collect a debt for unauthorized charges. The charges relate to XXXX XXXX I never received, including an x-ray. I paid all charges due at the time services were acquired at the XXXX XXXX in XXXX, but it appears that the office tried to send additional services for payment through my insurance. My insurance denied the charges and I was sent an invoice. I tried to sort it out with the office, advising that I paid for services at the time received and identifying charges for services reflected on the invoice that I didn't receive, but they didn't budge. This account is the only collection account on my credit report and damaging me financially. I would like for it to be removed from all major credit bureaus due to the fraudulent nature of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Happy Money, Inc.
State: NY

Complaint narrative:
This complaint concerns Payoff ( https : //www.payoff.com/about/contact/ ) For the past several months, I have been receiving invitations from Payoff, via email and postal mail, to apply for a loan to pay off some or all of my credit card debt. These invitations have been accompanied by a unique invitation code, which I am asked to enter on their website to begin the process of applying for such a loan. Repeatedly over the past several months, every time I have entered my invitation code, my application is blocked with an unspecified error, and I am directed to contact Payoff via its live customer support chat. Each time I am told the exact same thing : that there is a " technical problem '' with my account, and that their " engineering team '' will look at it and that I will hear back from Payoff within a few days. Each time, this has NOT happened. Nobody ever follows up with me, either by phone or by email, or via any other means. The same issue has continued when I have attempted to email Payoff ( repeatedly since XXXX ) : I am told there is a " technical problem, '' the " engineering team '' will look into it, and that I will hear back from them ( yet I never do ). The same has also happened when I contacted their phone support. I spoke to them twice by phone, only to be told in the end that it is a " technical problem '' that their " engineering team '' needs to look into and that they will contact me. Again, they never have. Perhaps I shouldn't, as this poor level of customer service is a red flag, but I would like the opportunity to at least apply for a Payoff loan, but have found absolutely no recourse so far in attempting to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: DISCOVER BANK
State: GA

Complaint narrative:
I had a discover card that went unpaid to to becoming XXXX I recently paid and settled the account with a collection agency who o never had an account with. I also spoke to someone at discover. Its really strange that the sent me a check if I owed more than what o settled for. If Im forced to get and attorney I will.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX at XXXX am we attempted to deposit {$260.00} into my Wells Fargo checking account to pay our phone bill. XXXX sums of money were taken & attempted to deposit one more single {$50.00} bill. This {$50.00} bill jammed in the atm machine. We spent all morning trying to contact them to report a claim, I was told I would hear back within XX/XX/XXXX hours. Nobody called. The atm has credited XXXX cent & said it would have the deposit in XXXX days. On XX/XX/XXXX our card was then after found making attempts at fraudulent purchases XXXX counties away, claiming it was inserted. We again contacted Wells Fargo to submit claim & have our card replaced. We are now on the XXXX of XXXX with no activity to stop the fraud purchase from going through but it posted on Wells Fargo instead & they have yet to credit our account. We are now also over drafted with no way to deposit again to keep from receiving the fee while they have still yet to credit my deposit. I am out almost {$300.00} now because of this series of incidents & my phone has been shut off due to non payment because my deposit has yet to go through a solid week later. Nobody from the bank has followed up with us or emailed our message center online they claimed they would contact with. Wells Fargo has taken & stolen our money at XXXX & done nothing to progress or update this investigation!

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 2021-12-27 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: TX

Complaint narrative:
In XX/XX/2019 I had someone open a XXXX card in my name. I immediately call the company and they closed the account and sent me a letter ( attached ). I disputed the information on Equifax, XXXX, and XXXX. Every company took the information off my report except Equifax. I sent them letter going on XXXX months and still are reviewing the information as verified. I need this false and inaccurate information off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlantic Union Bankshares, Inc.
State: GA

Complaint narrative:
XX/XX/2021 an account was open in my name I did not give consent to anyone to benefit or utilize my authorized credit, nor authorized to sell or trade my information to a third party!

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 2021-12-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity Capital Bank/XXXX  XXXX Company closed my account XX/XX/2021 without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
Notice it is a fact that I am a federally protected consumer, as such I have the right to privacy. Notice it is a fact that my federally protected rights have been violated. Notice it is a fact that I have never signed a contract or promissory note with the company TRANSWORLD SYS INCXXXX, whereas I believe them to be a debt buyer. Notice it is a fact that this company must operate under the FDCPA. Notice it is a fact that I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX. Notice it is a fact that failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy. Notice, affiant is aware the debt collector, TRANSWORLD SYS INCXXXX can not communicate with anyone other than the consumer, the natural person, in connection with 15 U.S.Code 1692a ( 3 ) or an attorney or consumer reporting agency as permitted by law. However the debt collector, TRANSWORLD SYS INC/XXXX has communicated with the all caps name principal obligor, XXXX XXXX and has always referred to my principal obligor and not myself the agent, natural person and consumer in fact. This is a violation of 15 U.S.Code 1692c ( b ). Notice, it is a fact, affiant is the consumer, in fact and I, the affiant am legally refusing to pay this debt. I am demanding a cease and desist of all illegal activity, any communication and collection activity, including reporting which constitutes collection activity, of this and any alleged debts until you can provide me with the requested information in the affidavit herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX acknowledged misrecording payoff payment from my refinance lender - XXXX received funds on XX/XX/XXXX but recorded their receipt date as XX/XX/XXXX, which further resulted in charging me late fee {$270.00}. Further, they promised : XXXX ) overpayment owed {$9600.00} has already been mailed, XX/XX/XXXX. XXXX ) late fees were reversed and {$270.00} mailed out. 

XX/XX/XXXX XXXX post XXXX delivery, I have not received the balance of payoff - {$9600.00}. XXXX charged consumer for their mistake and is holding funds due to lender for {$9600.00} with no evidence of making timely practices : XXXX operator XXXX XXXX ( supervisor ) reported on XX/XX/XXXX that XXXX would only stop payment and reissue a check to mail, taking another 14 days for the check to be mailed. 

When consumers are late to payoff or monthly payments we are charged hefty late fees {$270.00} and charged {$100.00} per day for interest. XXXX violated RESPA. XXXX failed to ensure {$9600.00} principal payment to be received with 20 days of loan closing, XX/XX/XXXX. Today is 59 days post closing and payoff. I have received notice of Title release and refund of late payment, but still no payment due, {$9600.00}. 

I have spent XXXX hrs writing complaints, on hold with TMS XXXX, answering TMS calls who continue to provide no actionable accountability. 

Why are consumers charged hefty fees and their is no accountability on part of XXXX to comply with the RESPA, even when they acknowledge knowing by citing this law by the HUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
As you will see in the details that I provide below, our loan with Shellpoint Mortgage Servicing was paid in full on XX/XX/2018. 

On XX/XX/2018, I requested a payoff amount. 

On XX/XX/2018, a payoff amount of {$2800.00} was received and was valid through XX/XX/2018. 

On XX/XX/2018, a payment of {$760.00} was made on the Shellpoint website ( Confirmation # XXXX ). 

On XX/XX/2018, a payment of {$760.00} was made on the Shellpoint website ( Confirmation # XXXX ). 

On XX/XX/2018, a new payoff amount was requested because the previous payoff was no longer valid. 

On XX/XX/2018, a new payoff amount of {$1300.00} was received which reflected the payments made on XX/XX/XXXX and XX/XX/XXXX with an additional interest amount of {$14.00}. 

On XX/XX/2018, a phone payment of {$1300.00} was taken by XXXX XXXX ( Confirmation # XXXX ). 

On XX/XX/2018, an additional phone payment of {$14.00} was taken by XXXX XXXX ( Confirmation # XXXX ). On this date, our loan balance should have been {$0.00}. 

On XX/XX/2018, I spoke with XXXX XXXX of Shellpoint Mortgage Servicing who confirmed our loan account was fully current with no further payment due on our loan. 

Shellpoint Mortgage Servicing has continued to pay our homeowners insurance and property taxes every year since the loan was paid in full in 2018. 

Shellpoint Mortgage Servicing has also reported us as seriously delinquent to the credit bureaus since XXXX of 2018. 

I have made numerous attempts to resolve this issue with Shellpoint. Each Shellpoint Representative that I have spoken with agrees the loan should have been paid in full in XXXX of 2018, but does not have the ability to correct the account. I have been advised to send an email to the escalations department, send an email to the loan servicing department, and most recently, to use the contact us area of the Shellpoint Portal. I have sent email after email and submitted several requests within the Portal, but our account and credit remains uncorrected.

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 2021-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
During approximately XX/XX/XXXX, due to the Covid-19 epidemic, my wife was laid-off from her XXXX XXXX XXXX employment XXXX indifferently XXXX Also due to the Covid-19 epidemic. my monthly salary was cut approximately 15 % by my XXXX XXXX  XXXX  XXXX  employer. 

Because we were financially dependent on a full XXXX salary family income, I immediately contacted my mortgage company, SPS, for options in paying our future mortgage payment ; which would prevent possible future foreclosure. In response, upon an application submission and review process, SPS generously granted us a XXXX period unemployment forbearance plan, which reduced our monthly mortgage payment by approximately {$1300.00}. 

During approximately XX/XX/XXXX, due to the reduction at that time in the XXXX XXXX rate, my wife was reinstated by her XXXX employer on a part-time basis. In addition, my full monthly salary was reinstated to a pre-pandemic level. 

During approximately XX/XX/XXXX, I notified SPS of my wife 's employment status and my full salary reinstatement status. At that time, I requested from SPS a program to repay the outstanding deferred mortgage balance, of approximately {$20000.00}, due to our past participation in SPS ' granted unemployment forbearance plan. 

On XXXX, i received from SPS in the mail their notice of future foreclosure of my property, if I failed to pay in full the {$20000.00} balance by XX/XX/XXXX. In response, I immediately telephoned SPS about their demand. In response, the SPS Representative informed us that SPS decided not to offer us any monthly payment installment options to pay the {$20000.00} outstanding deferred mortgage balance and thus foreclosure of my property would take place after XX/XX/XXXX, if the full balance isn't received by SPS before that date. 

I clearly and politely explained to the SPS representative that we went through severe financial hardship during the Covid-19 epidemic, which caused us to deplete our financial savings, and thus we didn't have the current means to pay that large outstanding lump sum balance back to SPS, which SPS was now demanding. In response, the SPS Representative informed us that there were currently no repayment installment options available to us to pay back the {$20000.00} balance and thus the full amount was due by XX/XX/XXXX, XXXX 

Please note that we are not requesting any type of charity program from SPS. We just respectfully need a means to pay back the deferred mortgage balance in an installment plan, so that we can avoid upcoming foreclosure and also have the ability to pay SPS back the outstanding deferred mortgage balance that we owe them,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: Atlanticus Services Corporation
State: CA

Complaint narrative:
In XX/XX/XXXX, I instructed Fortiva to close the XXXX XXXX credit card. In early XXXX, we received an invoice from Fortiva for fraudulent charges on the credit card. Around XX/XX/XXXX, Fortiva resolved the disputed charges in my favor. HOWEVER, Fortiva did not remove the late fees and interest on those late fees from the fraudulent charges. Fortiva continues to send me monthly invoices for the fees and interest on the fraudulent charges. I sumbitted disputes to the credit reporting agencies and had Fortiva removed from my credit report. Regardless, every month I get an invoice requesting payment for fees and interest that change stem from the charges that Fortiva resolved in my favor. NOBODY there will remove the fees and interest from the fraudulent charges. I continue to get harassed every month. I am certain this will go to a debt collector and negatively impact my credit. They resolved the original charges as fraud but continue to try and collect the fees and interest from the fraud. This company is criminal. This is harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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:
Back In XXXX of 2021 XXXX  made a collections claim on my credit report originally with XXXX XXXX for {$80.00} ( Acct XXXX ), I had this erroneous claim removed in XXXX from my report. However, It seems this same erroneous account has reappeared on my report. According to The Fair Collection Act, this information should not be placed back on my credit report once removed. Section 609 ( a ) ( 1 ) ( A ) of FCRA, you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Obviously no investigation or verification was made since this account has already once been removed. Additionally, it has now been past 6 months since I requested you to investigate XXXX claim of a collections on my credit report. this claim was originally removed for not being mine and for the investigation taking longer that 60 days

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 2021-12-27 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: IL

Complaint narrative:
On XX/XX/2021 I certified mailed a XXXXXXXX XXXX Identity Theft report, with a clear legible copy of my drivers license, social security card, utility bill and a statement from me that the information is not information relating to any transaction by me. They received it on XXXX XXXX. I called today and was told by XXXX agent that my social security card wasn't legible. I was transferred to a supervisor who then said it wasn't processed because I didn't include the dates of the inquiries on the FTC Identity Theft Affidavit. I said it didn't ask for the dates and there wasn't room for them. She then informed me that the inquiries I listed were not on my Equifax credit report. I asked well why then was my Identity Theft report not used to block the fraudulent accounts listed on it and the fraudulent names and addresses. She said the entire report couldn't be used because the inquiries didn't have a date attached, even though the inquiries were not on my Equifax report. I told her they are listed because they are on my XXXX and XXXX reports and I listed fraudulent info for all three agencies on the FTC Identity Theft Report. And she also said they are investigating each account and to resubmit legible, all the paperwork with dates for inquiries. According to 15 USC 1681c-2 Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
I have filed a dispute in regards to the inaccurate information that is being reported and displayed on my credit report. It has been well over 30 plus days and I have not received any investigation results. There are a total of XXXX inaccurate accounts on my credit profile.

Company response to consumer: Closed with explanation