vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
During the first shut down I kept getting letters from the mtg company that I was in covid relief. I kept my emails that told them NO I AM NOT because I am paying, and on time, I didn't need it. Then Covid shut down the world. I couldn't work my second job which I rely on. So several months later I called them back and said, can I get one month of assistance please, I am going to need it after all. They said we can give you 3. I was able to make payments immediately and notified them to take me off of forbearance / deferment. Then in XXXX of XXXX they send a man to my office at work with a stack of papers to sign, like 8 font. They said this is your refinance paperwork so we can roll the 3 months back into your loan. Your payments will go up. I said that's fine. I then had one month of a higher payment, and my payments went back to normal, I thought it was odd but didn't question it at the time. Now I moved to Florida and am selling the house. The title company said " What is this {$5200.00} 2nd mtg? '' I said what are you talking about. She shows me. I call Shellpoint! They said oh that was our program at the time, you should have read your paperwork, we filed a partial FHA claim and put a lien on your house for that amount. WHAAATTTT? First, why am I just now told of this. I KNOW there was NO mention of this at all, ever. I was told it would be rolled in and then my final payment date would change. I asked Shellpoint for copies of the transcripts of communication and a copy of what I signed. My house closes in 3 weeks. What do I do? I called a local lawyer here, she said it was loan modification fraud - that they filed wrong and that I would need a Texas Lawyer. I call one, they agreed and said {$2500.00} please. I'm a teacher, I don't have that kind of money. Help. please. And while I was getting the paperwork together for this complaint I found out they did not apply my payments to my loan!!!! omg!!! Now what do I do???? I am printing, documenting, comparing. It's nuts. They didn't apply my payments. Then XX/XX/XXXX is showing my payment and some other payment in payment history, but the statement doesn't reflect that and I have no idea what that other payment is. What do I do? I called them and they won't help. When I go to their site all messages have been deleted. My statements are no longer able to download. I am taking pictures. look on XXXX statement, I made a payment XX/XX/XXXX ... .statement doesn't show that. I actually sent it on XXXX, but they didn't apply until XXXX. That is my one and only " late '' payment the whole time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Zip Co US Inc.
State: MO

Complaint narrative:
On XX/XX/2021 I attempted to make a purchase on XXXX using the zip co previously known as quadpay option. The transaction failed due to XXXX attempting to charge a lesser amount some items where backorder, XXXX attempted to recharge the smaller amount later and the full transaction was declined by XXXX. The original amount of this transaction was XXXX dollars despite zip co insisting that it was XXXX dollars. This order from XXXX was never ever fulfilled nor shipped by XXXX. 

I received and furnished documentation from XXXX showing the order as cancelled to XXXX XXXX numerous times and they continue to have a payment plan created under my name for XXXX dollars this is fraudulent in the documents that I will furnish.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: CO

Complaint narrative:
Firstly it says inpatient count of Florida so I'm assuming it's medical that's impossible because I haven't lived in that state that time of year I haven't even lived in that state for over 7 years so that can't possibly be my debt not to mention how Phoenix financial service is reported it on my report six times can't you see something's wrong here

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: VA

Complaint narrative:
Mortgage showing delinquent account and the mortgage is paid in full

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 2021-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE
State: GA

Complaint narrative:
On XX/XX/XXXX, I received a call from Avante USA asking my name. I did not provide this information, as the caller was rude and only asking my name. The only information the caller would provide was where they worked, nothing about anything else unless I confirmed my identity. 

I proceeded to send a debt verification letter on XX/XX/XXXX, after searching Avante USA, and finding out they are a debt collection agency. I never received any letter in the mail with a right to dispute, or any information regarding the debt. I sent the letter using UPS certified mail, and I have not heard anything back from Avante USA. 

I have disputed the account on XXXX via XXXX XXXX, and I am filing this complaint due to the lack of communication. From my understanding, I am supposed to receive notice with a 30 day dispute window.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc.
State: PA

Complaint narrative:
I received a letter from Sentry Credit claiming I had debt owed to XXXX 's and that they were going to seek a judgment against me. I do not have a XXXX 's account. I called XXXX 's on XX/XX/21 to confirm that no one opened an account in my name or under my SSN. I checked my credit report on XX/XX/21 to confirm no one opened an account under my name or sought do to a credit check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: EQUIFAX, INC.
State: CO

Complaint narrative:
This has cause a major problem in my life Financially. Ive been working to rebuild credit and this items on my credit report is stopping me to receive a home, loans, and unable to establish a new lines of credit. By FCRA law these negative items on my report should be remove immediately..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: CO

Complaint narrative:
This has cause a major problem in my life Financially. Ive been working to rebuild credit and this items on my credit report is stopping me to receive a home, loans, and unable to establish a new lines of credit. By FCRA law these negative items on my report should be remove 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 2021-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I'm a guitar XXXX, and I needed a quality case for a vintage acoustic I had recently purchased. I placed a want ad on an internet guitar forum that I often frequent, buy & sell, and am well known from years of participation. I received a response on XX/XX/2012. The scammer presented four very nice pictures of a case that would work quite well. His pricing, including shipping, was at market value, so there were no red flags raised at this point. I responded that I would like to buy it and please send me your XXXX XXXX He responded that he preferred to be paid by XXXX. 

I had only received money from family members using XXXX and really didn't know how to even use it. He said he would walk me through it and provided an e-mail address ( XXXX ) to which I should send the money. My first red flag was the email address he had contacted me from which is different than the aforementioned e-mail. It is XXXX. I had never seen that e-mail provider before, so I did a XXXX  search. 

The XXXX  search told me that it was a legitimate e-mail servicer, but something else came up in the search : a warning from another on-line forum member that XXXX had scammed him. So, I wrote him again and asked a lot of questions. He said he was in XXXX The XXXX is based in XXXX, so that made sense. I told him I needed a tracking number, and he said he was going to take care of all of it after work. Seeing it was early in the morning, that seemed like a reasonable thing to say. 

Of course, after all of this he has gone completely silent. But, I suspected a scam early that morning, and here is where the big problem comes in as far as I'm concerned. My bank, Truist was recently formed by a merger between Sun Trust and BB & T. I had been a Sun Trust customer since their inception, and they always had superior cusomer service. On my bank account, it said this transaction was still pending. But, when I called customer service, I had a 30 minute wait and ended up speaking with a woman from the XXXX who I couldn't understand. I requested she connect me with an English speaking rep, and she transferred me to the same place I had started from when I got this lady. After holding for over half an hour, I gave up and went to the bank. 

Here I got an even bigger surprise. I had done business with the rep I spoke to many times over the years. She was apologetic about the poor customer service, but said there was nothing she could do as this was a result of the merger. She told me to go home and go on my on-line banking to file a fraud claim. I am convinced that I would have received adequate customer service, we could have stopped this transaction while it was still pending. That's where my bank failed me miserably.

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 2021-12-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX, XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX BANK XXXX XXXX XXXX XXXX ( XXXX Creditor XXXX XXXX AAA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX BANK XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I sent out a validation letter via certified mailing to the 3 major credit companies ( Equifax XXXX XXXX XXXX XXXX ) to resolve the issue at hand, kindly asking them to remove and delete the accounts that are very much inaccurate.There are several closed accounts from dates unbeknownst to my knowledge being reported also these accounts are still reporting " active '' activity. Equifax and XXXX has yet to delete and remove these accounts. This is affecting me tremendously and hindering me from obtaining credit. If these alleged accounts are " closed '', " charged off '' why are they being reported and reported inaccurately and having active activity to this present day when its been closed since the year XXXX & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
Contacted XXXX XXXX in XXXX Nevada to purchase a XXXX XXXX XXXX. I was lead to believe the vehicle was in stock and that we were working a deal on a vehicle they have. I told the dealership that I had my own financing through XXXX XXXX XXXX XXXX and a preapproval letter through XXXX  XXXX but they are high interest and that I do not want to use them. The sales person asked for my social to verify my preapproval and that he may be able to get me a {$1000.00} rebate from XXXX XXXX. would not be a hard inquiry. I do not want inquiries on my credit and would not sign anything allowing so. nothing was presented. Then they told me they have an approval through XXXX  XXXX. They ran my credit to 5 banks without my approval whatsoever. nothing signed. nothing allowed. with very clear instructions not to do so. They Lied and according to their online reputation I now see that this scammy behavior is common practice. on top of that they sent a purchase order, asked for a deposit and secured it for purchase. then when it came in lied and said it was damaged and it was really sold.

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 2021-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION

Complaint narrative:
We are the account holders of a Santander Value Checking Account, # XXXX. For many years ( including from the previous banks that were in turn acquired by other banks, until the account was acquired by Santander ), we received monthly statements. The last statement we received was in late XXXX, for the period XXXX. The balance in the account is {$2400.00}, an amount which should remain stable - our account is charge-free with a minimum deposit ( which we have ). We have not authorized anyone else to access these funds. We are pensioners, and we kept this money in our account for a rainy day. When we need to use these funds- they vanished! In phone calls to the bank ( the latest call on XX/XX/XXXX ), the service representatives claimed that no such account exists. In a previous call, the representative transferred me to the Unclaimed Property Division of the Massachusetts state government ; an online search did not find any property under this account number ; a search on XX/XX/XXXX had the same result. When I spoke with a representative ( " XXXX '' ) on XX/XX/XXXX, he could find no record of this account, and said I should go to my branch- despite my telling him that we have had no branch for decades, due to the series of bank acquisitions. Santander has made no effort to inform us of any change in the status of our account, despite the bank 's having our mail address- where we received monthly statements, and our e-mail address - over the years we received season 's greetings to our e-mail account. Neither our mailing address nor our e-mail has changed. Please help us to recover this sum!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint for myself for there is not any third party involved. I have sent Equifax an identity theft report and an affidavit, stating that information on my consumer report was unauthorized, unverifiable, and inaccurate. I have requested for them to block and remove the information. They have received this documentation 5 business days ago. I have gave neither Equifax or any of these creditors permission to report on my behalf. Equifax has stated that they will undergo an investigation, yet they are still reporting adverse information on my consumer report. I would like the details of how they will undergo an investigation, along with the name, phone number, and address of the person they are interviewing so that I may follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MUFG AMERICAS HOLDINGS CORPORATION

Complaint narrative:
Dear XXXX, I had received the XXXX copy from our client to make fund transfer to our XXXX BANK XXXX XXXX XXXX to buy our Rice on behalf of company in the XXXX Country XXXX XXXX in amount of US {>= $1,000,000}. but until now I did not receive this amount in our bank from MUFG Union Bank, U.S.A. In this transaction I think that is fraud and I also sent email to bank for confirm but non reply.

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 2021-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
I had a auto loan with GM Financial that was paid in full. The company quoted the full amount then months later contacted me stating the amount that was quoted was wrong after the check was submitted. I had no recollection until months later. I then paid the remaining balance. The results of their error caused me multiple late fees and for GM Financial to report a repossession which never happened and I still have my car. I reached out multiple times disputing this error requesting they remove it from my credit report to no avail. I need assist with correcting this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
EXPERIAN, XXXX AND XXXX is Reporting unknown Enquiries on my Credit Report. when I call they are Refusing to Delete it.

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 2021-12-23 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: AZ

Complaint narrative:
Contacted XXXX XXXX in XXXX Nevada to purchase a XXXX XXXX XXXXXXXX. I was lead to believe the vehicle was in stock and that we were working a deal on a vehicle they have. I told the dealership that I had my own financing through XXXX XXXX XXXX XXXX and a preapproval letter through Capital one but they are high interest and that I do not want to use them. The sales person asked for my social to verify my preapproval and that he may be able to get me a {$1000.00} rebate from XXXX XXXX. would not be a hard inquiry. I do not want inquiries on my credit and would not sign anything allowing so. nothing was presented. Then they told me they have an approval through cap one. They ran my credit to 5 banks without my approval whatsoever. nothing signed. nothing allowed. with very clear instructions not to do so. They Lied and according to their online reputation I now see that this scammy behavior is common practice. on top of that they sent a purchase order, asked for a deposit and secured it for purchase. then when it came in lied and said it was damaged and it was really sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
Contacted XXXX XXXX in XXXX Nevada to purchase a XXXX XXXX XXXX. I was lead to believe the vehicle was in stock and that we were working a deal on a vehicle they have. I told the dealership that I had my own financing through XXXX XXXX XXXX XXXX and a preapproval letter through XXXX  XXXX but they are high interest and that I do not want to use them. The sales person asked for my social to verify my preapproval and that he may be able to get me a {$1000.00} rebate from Chrysler capital. would not be a hard inquiry. I do not want inquiries on my credit and would not sign anything allowing so. nothing was presented. Then they told me they have an approval through XXXX  XXXX. They ran my credit to 5 banks without my approval whatsoever. nothing signed. nothing allowed. with very clear instructions not to do so. They Lied and according to their online reputation I now see that this scammy behavior is common practice. on top of that they sent a purchase order, asked for a deposit and secured it for purchase. then when it came in lied and said it was damaged and it was really sold.

Company response to consumer: Closed with explanation