vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
cra violation no score reported inaccurate information please fix this issue asap

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
My request for mortgage modification is being processed with Shellpoint Mortgage. 
They have requested several times the schedule for my taxes reflecting the rental income and expenses associated with the rental property. I've emailed and faxed this information to them several times beginning XX/XX/XXXX until XX/XX/XXXX. Shellpoint was contracted XX/XX/XXXX to verify they received the information, Shellpoint customer service stated they received the email cover page but the IRS Transcript wasn't uploaded in their system were yet, and the document has not been received. I feel Shellpoint is giving me the runaround and is not processing the modification request. There is a pending property foreclosure sale set for my homeXX/XX/XXXX. I've provided them with all requested information and asked them to postpone the property foreclosure sale.. 


See Attachment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
FRAUDULENT NAMES : 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX FL XXXX 2.XXXX XXXX XXXX XXXX XXXX # XXXX XXXX FL XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX 4. XXXX XXXX XXXX XXXX GA XXXX 5. XXXX XXXX XXXX XXXX XXXX GA XXXX 6. XXXX XXXX XXXX XXXX NC XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear Sir, My Name is XXXX XXXX XXXX, I have Saving and Checking Account in Well fargo for more than 15y, Also I heave safe Deposit Box ACC # ending XXXX joint with My Mom. 
One XX/XX/XXXX, I received letter from Wellfargo saying, they want to close our safe deposit box. 
I call main customer office, they dont know why and ask me to call local office. 
Local office have no answer and ask me to call customer office, both of each time I have to with more than 45min and I talk manager from branch, supervisor from Customer Service. 

I feel that they want to take away Our Safe Deposit box for any perticular Reason. 
I feel that hey are Discriminate again people dont speek much in English. 

Wellfargo Card # end in XXXX Soc # end in 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 2018-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX I have be unemployed for longer that 24 months I can not get a good job to start my life over. do to unfavorable credit history.I i would like all negitivative and incorrect data to be deleted.I have enlisted a companies help to remove all these charge off and inquies account.They have been unsuccessful. 
charge off XX/XX/XXXX XXXXXXXX  XXXX XXXX, {$6000.00} reported as chageoff, not removing incorrect information. 

XX/XX/XXXX XXXX  XXXX, {$5900.00}, reported as chageoff, not removing incorrect information. 

XX/XX/XXXX XXXX XXXX XXXX, {$3800.00}, reported as chageoff, not removing incorrect information. 

XX/XX/XXXX, XXXX XXXX XXXX, {$2300.00}, reported as chageoff, not removing incorrect information. 

XX/XX/XXXX, XXXX XXXX XXXX, {$8500.00}, reported as chageoff, not removing incorrect information. 


XX/XX/XXXX, XXXX XXXX XXXX XXXX, {$9500.00}, reported as chageoff, not removing incorrect 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 2018-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have sent two certified letters ( See Doc 1 & 4a,4b ) requesting validation bearing my signature for a Capital One credit card in the amount of {$470.00} that I am currently disputing. I have proof that my letters were signed for and received. ( See Docs 2 & 5 ). Not only did they fail to provide me with proof of MY SIGNATURE validating the debt, they failed to update my account status as " disputed '' with the 3 major Credit Bureaus in the required 30 day period. Please note ( DOCUMENT 3 ) which is a copy of my XXXX report dated XX/XX/17 ... more than 30 days after Capital One received my letter of dispute, it does NOT have the account marked as disputed. By not placing the disclosure within the 30 day period Capital One has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or The Fair debt Collections Practices Act Section 807 ( 8 ). 
Capital One continues to send me copies of billing statements for this account which does not constitute validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Mislead by sales reps to open their credit card only to be denied the " promised '' and advertised discount. 

When I went to the store the clerk convinced me to open a Kohls charge card for the additional discount. I was hesitant but figured what the heck I need a discount on my purchase. She said the discount would apply to the ENTIRE Kohls charge purchase. So I opened the credit card but I wasn't purchasing enough on that particular order and had another coupon to use. I asked if I could wait to use it and she said yes it is saved in my app. Sure enough ... there it was. 

Today, XX/XX/2017, around XXXX pm my wife and I went to the store. I told her I had this coupon for our entire purchase. She asked me what it excluded and I didn't know. So I open the app and see that it has XXXX exclusions. When I look for exclusions it simply says entire charge card purchase. So we shopped for about 30 minutes. Picked out work out clothes and some shoes. Go to the front scan the items ( {$620.00} ). The clerk asks if I have any Kohls cash and I responded no. She asks if I wanted to open the credit card and I said I already have one, in fact I want to use the coupon. Then she scans it and says it excludes these items. I responded by saying it has no exclusions and I even pulled up another coupon WITH the exclusions. She agreed it was weird but could not offer an explanation. I told her I ONLY opened this credit card for the additional discount and now I have been damaged with a credit app that lowers my score. I asked to speak with the manager and she calls over a female manager named XXXX. She also agreed and said she would do nothing for me. At that point I was embarrassed and frustrated so we left the store. However, it is unacceptable to sell a credit card under false incentives. I want an answer for this and I want everyone to know that the Kohls credit card is a rip off because you will not get what you are promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: MS

Complaint narrative:
On XX/XX/2018 a portion of my federal tax return was deposited into my Discover online checking account. I stopped using the account a few months previous due to the bank delaying bill payments for up to a week costing me late fees. On XX/XX/2018 I used one of the bank designated ATMs ( XXXX ) and was denied withdrawal and when I called to see why, I was given an explanation of suspicious activity because I used an ATM outside the city I live in ( same state ) but I have used this ATM on other occasions. Once I verified who I was, I was told everything should be fine but, it wasn't and I was still denied access to my account I tried making a purchase at the grocery store with cash back and was denied still. I called again and the representative told me there was a security freeze on my account and gave me temporary access for 15 minutes and said the freeze would be released in 24 hours. The explanations didn't make any sense at all to me so I tested the card the next day on the XXXX while on my work assignment in my own city of residence again the ATM transaction was denied and I was told that this bank designated ATM inside XXXX grocery store was a high security risk and a code needed to be entered in the system for that particular ATM. I explained that I have to travel back and forth sometimes for my job and I needed access to my account especially when on the highway. However, I did tell the rep that I would be contacting the FDIC about this.There were no pending transactions, no negative balance, and no report of a lost or stolen debit/ATM card before the federal tax return was deposited, I stopped my direct deposit from my job to this account a few months ago because of delayed transactions especially transfers. So I still don't have a valid reason for a security freeze and denied ATM transactions. The first of XXXX is in one day, and I do not want any more of these senseless issues when I have to pay my bills. Since when was an explanation required to access your own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
FRAUDULENT NAMES : 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX FL XXXX 3. XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX 4. XXXX XXXX XXXX XXXX GA XXXX 5. XXXX XXXX  XXXX XXXX XXXX GA XXXX 6. XXXX XXXX XXXX XXXX NC XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2018-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
FRAUDULENT NAMES : 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX FL XXXX 2.XXXX XXXX XXXX XXXX XXXX # XXXX XXXX FL XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX 4. XXXX XXXX XXXX XXXX GA XXXX 5. XXXX XXXX XXXX XXXX XXXX GA XXXX 6. XXXX XXXX XXXX XXXX NC XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2018-02-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was shorted XXXX XXXX points on my XX/XX/2017 statement. 

I emailed Citibank XXXX Rewards Customer Service, but NEVER received a reply. 

On XXXX XX/XX/2017, XXXX XXXX from Citibank stated she would respond within 14 days. She NEVER did ... ... 

I was then told by Citibank to contact XXXX. Again, I never received a reply. 

Please explain why I was shorted on my account by return letter to my account address.

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 2018-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: VIRTUOSO SOURCING GROUP, LLC.
State: GA

Complaint narrative:
Do not have an contract/agreement with Virtuoso Sourcing to pay a XXXX dollars collection. Never received information about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I keep check of my credit score with XXXX XXXX and noticed that on XX/XX/2018, there was a hard inquiry for XXXX on my Transunion report. I have never had or attempted to have an account with XXXX so I called the XXXX number on the information page and they verified that my social security number had been used to open an account. They could not tell me anything else but told me to come to this website to dispute it. Please help with this before whomever did this ruins my credit. Thank you.

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 2018-02-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Residential Mortgage Solutions, Inc.
State: NJ

Complaint narrative:
My husband and I refinanced our home in XX/XX/XXXX through a broker, Residential Mortgage Solutions , Inc. ( RMS ) out of XXXX, MD. 

In XX/XX/XXXX our new lender, XXXX XXXX, sent us a letter stating that after performing an escrow analysis they found we have a {$700.00} shortage. This came as a huge surprise since both our property taxes and our homeowners ' insurance have reduced. If anything, we should have had excess. 

After reaching out to XXXX, and getting no satisfactory answers for months, eventually getting no return phone calls I threatened to reach out to the CFPB. Only after that did XXXX XXXX, owner of RMS, contact me again. 

He eventually sent us a check for {$300.00}. This was his offering to " split the difference '' of our {$700.00} shortage. This seemed to be odd business practice and raised a red flag to me. 

Meanwhile, during my research into finding our lost money through the title agency, our county tax collector and our previous lender XXXX XXXX XXXX XXXX XXXX XXXX, I learned we were actually shorted {$2300.00} from RMS. This amount represents our 4th quarter taxes and insurance, which unbeknownst to us at the time, we had already paid two days prior to closing through automatic withdrawal. Meanwhile, XXXX XXXX insisted his company ( RMS ) paid. 

While XXXX XXXXXXXX XXXX did send in a check for {$1800.00} to our county for taxes it was returned to them, since we already paid. ( see attached documents ) We signed a promissory note to RMS for {$2300.00} during the closing. This was to be for them for a " lender advance '' to alleviate a financial burden caused by the {$2300.00} plus our monthly mortgage payment of {$1800.00}. We would repay once we received our refund from XXXX. This never happened though since we already paid our own 4th quarter and did not need the " lender advance '. 

I emailed XXXX XXXX all the documents I gathered proving the above and in XX/XX/XXXX he mailed us a check for {$1400.00}. However, XXXX XXXX mistakenly deducted {$620.00} from the {$2300.00} since that is the refund we received from XXXX. We were owed that amount in full. That {$620.00} was our excess funds in our XXXX. account and should've remained our money. 

After pointing out his error multiple times XXXX XXXX is no longer communicating with me. I have been quite patient throughout this long ordeal putting up with XXXX XXXX brusque responses and I respectfully request your assistance in getting reimbursed our {$620.00} to make us whole. I thank you Kindly for your consideration.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-27 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: Fay Servicing, LLC
State: CA

Complaint narrative:
I have been trying for almost 2 years now to get the delinquent payments on my mortgage corrected on my credit report ; however, Fay Servicing has still not complied. I have had numerous conversations, but the following dates reflect my request via email : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During the period of XX/XX/XXXX, my loan officially was in modification stage. As such, I am not allowed to make any payments. Once the modification and terms were provided, the Underwriters made a huge error such that my new monthly mortgage amount far exceeded my monthly gross income. This meant they had to go back to underwriting, yet the clock kept ticking. From XX/XX/XXXX to XX/XX/XXXX, while the new modification was being worked on, I was advised not to make a payment, but every month I was marked as being delinquent. The new modification which started in XX/XX/XXXX and ended in XX/XX/XXXX, I made all of the required payments. No payment was required in XXXX, with the first payment under the new terms of the agreement due in XXXX. I have submitted all payments on time, yet Fay refuses to make the changes, driving down my credit score. I have already been turned down for a credit card and this may impact my current search for employment. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is a follow up to my original Complaint XXXX ineptly handled and in fact outrageous handling of these issues and simply putting me through a lot of just not necessary expense and aggravation and still they failed to do their job properly. 

THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS Absolutely ridiculous and outrageous the way Wells Fargo dealt with this issue for years, and absolutely ridiculous how they are allowed to get away with this. They filed a lien release after many years according to them, this I now find to be incorrect as well. 

I had to go ahead and hire a Title Company personally because of Wells Fargos failure to deal with these issues in a proper manner to actually get me these Lien Releases in the last week. 

I now find out these were all released and Wells Fargo instead of doing this properly like the Title Company did. They have Clouded my Title by Filing another not necessary Lien Release. These folks should be held accountable for this turmoil they have caused in peoples lives. 

I have asked them to provide their agent of service in California this they have not done this, as I intend to take this matter to small Claims court in California to recover costs and the impact this has had on my life to date and continuing. by their failure to do the job properly, and file more and indeed improper documents against my home. 
I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT

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 2018-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
In XX/XX/XXXX I started repaying my loans. I have always paid more than what I was required to pay monthly. Navient, my loan servicer wasn't handling my over-payments in a way that I felt best benefited me. So I called and got a run around. I was ultimately provided an advocate. 

The advocate failed to get the job done and did little more than hear my complaint. After about 6 months, I called again as my payments weren't going where I told them to go. The advocate got frustrated with me and then I was assigned a new advocate. At that time I created an automated email to go to the new advocate so that Navient would have a proper list of exactly the locations where I wanted my payments to go. 

Flash forward a few months, and I learn that Navient was disregarding the directive emails. I called livid and was assigned a new advocate and this time was promised that they would do what I asked. So now it is early XX/XX/XXXX and my payments are supposed to be retroactively reapplied. I asked for a comparison of before and after application that way I can verify their work. I was told they can do that. 

Flash forward a few 10 months, I am told by my advocate that Navient made the proper appropriations and magically my account history is no longer retrievable. I lodge formal complaints and get nowhere. After about 6 months of hem hawing with XXXX XXXX, my new advocate, I am able to retrieve my account history one time online. I look at the history, but nobody at Navient is able to provide me a ledger so that I can compare before and after the changes. Flash forward to late XX/XX/XXXX and I am provided a 147 page PDF of pictures of a ledger that isn't labeled and I am told that is the best Navient can do. Plus I still can't routinely access my account history. 

Couple all these problems and it makes for disenfranchisement. Add to that, the fact that Navient doesn't keep a ledger balance for any student published. They keep it for themselves, but if you want to know to the day what your balance is, you have to guess as even the advocates can't say for sure. I don't know if what I owe is accurate. Navient is no longer responding. I have asked to speak to management and at this point I am looking to speak with them or executive leadership. This isn't how business is supposed to be run.

Company response to consumer: Closed with explanation