vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
The company had me do a wire transfer on friday XX/XX/21 for a refi closing that was to take place at XXXX today XX/XX/21. The money has been transferred to them and they never sent the paperwork to the title company. The title company has tried to reach them for 4 days and has received no answer or return call ... .I have been calling them all day and getting no answer or return call. PLEASE HELP!!! Mr Cooper or Nationstar is the company that has stolen my money and now refuses to do what they said they would do. XXXX XXXX OR XXXX XXXX - neither will do what they stated they were going to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: Shellpoint Partners, LLC
State: CT

Complaint narrative:
XXXX XXXX signed up for auto pay and received a confirmation text to confirm my request was received XXXX XXXX received text to confirm that my mortgage was received with conf. # XXXX XXXX XXXX received a letter in the mail saying our mortgage was past due and not paid for XXXX. Immediately submitted another payment as customer service was closed due to it being a weekend day. 

XXXX XXXX received confirmation text saying payment was received with conf. # XXXX - Called NewRez customer service to discuss what had happened. Person we spoke with said that the payment did not clear when it was attempted to be taken out on XXXX due to bank routing error. Representative assured me that other payment we just made did clear and we WERE NOT late as it was only day XXXX and payments past 30 days were late according to their policy. I specifically asked about credit reporting. She said that it WOULD NOT be reported to the credit bureau as again it was not 30 days late. 

XXXX XXXX text saying mortgage payment received with confirmation # XXXX XXXX XXXX alert from my credit app that my mortgage was reported at past 30 days late. Immediately filed a dispute with NewRez. 

XXXX XXXX text saying that my reoccurring payment was received but not confirmation #. Called NewRez to look into the credit dispute. They claim no issues and they are accurate.

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 2021-11-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
on XX/XX/2021 some falsely tried to acquire credit under my name through synchrony bank/ amazon I notified the credit bureau and i just got off the phone with a synchrony bank fraud agent name XXXX who was very incompetent and push me off to someone else who did not get on the phone I'm still waiting as I write this complaint it been 20 min now. this inquiry effects my credit and my future and I wish they take the frudlent situation more seriously. this is very disappointing that i have to keep calling a filing complaints monthly.

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 2021-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
I received a letter dated XX/XX/21 on XX/XX/21. This is part of a workman 's comp which was taken care of. Professional Finance Company called me on the day I received the letter and on XX/XX/21. I did not have time yet to send a dispute letter. They are suppose to give me 30 days under the FDCPA.

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 2021-11-01 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
on XXXX XXXX i open up auto loan with XXXX XXXX. I was bring in that much income so i got behind on some payment which cause me to be 30 day late XXXX and XX/XX/XXXX, XXXX, XX/XX/XXXX due to the covid 19 and on XXXX and XX/XX/XXXX due to the covid 19 i ask capital one auto can they please remove this late payments has i one time courtesy they said no please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX, XXXX and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

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 2021-11-01 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX, Experian and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

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 2021-11-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that isb still reporting on my account : XXXX-Date of XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XXXX XXXX, XXXX I received email from Paypal that they are debiting ( charging ) my account because I received duplicate credit for following transaction Dispute Case ID XXXX Transaction Amount {$310.00} USD Dispute Amount {$310.00} USD Transaction ID XXXX Transaction Date XX/XX/XXXX Also for same reason Paypal Credit ( XXXX  XXXX  ) charged me {$300.00} on XXXX XXXX, XXXX For last two weeks I have made several calls and sent several notifications to Paypal about this issue and seems like no one is willing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Credit Collection Services is reporting a collections account on my consumer report. I do NOT know who this company is. I have NEVER done business with this company. Nor, have I EVER signed a contract with this company for anything. I also never gave permission verbally or in writing to anyone to pass my information to this 3rd party that I never heard of.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: NJ

Complaint narrative:
I was contacted by Credit Corp Solutions on the phone and via email. This debt is not owed by me and I would like for this company to stop contacting me. I even tried to verify this debt on their website with my DOB and last four of SSN and it says not found. Original account number is XXXX and balance is {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: World Acceptance Corporation
State: TN

Complaint narrative:
This account has been paid off and has a XXXX balance, I have tried to call the corporate office to speak to someone but the line disconnects.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: LA

Complaint narrative:
Ive return there calls an told them in the beginning we do not want to use the internet to pay our bills cause our bank account have been hit before with hackers not risking that again. Was working fine in the beginning with them. Just recently Ive been getting calls an ive talked with them an have asked why is my bill coming in late they said they have no control on that well its coming in 2 days before its due we will still call an hangs up but they want additional payment now thats not fair theyre making me late on payments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
in XX/XX/2021, After I transferred {$5000.00} from my XXXX  XXXX savings account to my capital one checking account there was an extra deposit to the account that I reported to capital one. They then froze the account and conducted an investigation that concluded in late XXXX XXXX they are unwilling to release my XXXX back to XXXX  XXXX until they can return the fraudulent funds as well. This has been over 6 months of frustrating phone calls with no resolution. every time i call them now, they tell me that the team who is handling the case does not have a direct line, and my only option is to leave a voicemail. I have yet to receive any calls from that team after leaving many voicemails. I don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CARD Corporation
State: IL

Complaint narrative:
I received in the mail a " Premium Visa Debit Card '' by XXXX, which I didn't apply for and have no idea what it is. 
The only number provided with the received card ( XXXX ) XXXX XXXX, I have called multiple times and it asks for my Zip Code and Social Security number. I have not input my social security number and do not intend to provide it to a company that I have no idea who they are. Therefore I can not get past the automated phone service and get some answers on how I got to receive this card, did anyone apply on my behalf, am I a victim of identity theft?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01 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: FL

Complaint narrative:
The credit report agencies are all reporting and interpreting my students loans as late. I have been on a XXXXncome Driven Plan before and during the Pandemic. The reports show for a consecutive year of late payments of {$0.00}. 

My student loan accounts are in good standing with all my XXXX accounts

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 2021-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV

Complaint narrative:
On XX/XX/XXXX I paid in full a credit card balance on Bank of America card. The same day they closed my account. I have had this account for 26 years and no delinquencies or late payments on this account for 26 years. 
Unfortunately the past few years have been difficult and my credit score is not the greatest but during all of that Bank of America chose not to close my account but rather rack up plenty of interest from me because it has taken time to be able to pay this account in full. So in other words, they could have closed my account and continued to ask for payment on a closed account due to their reasons but they instead chose to do a peer review on the exact same day I paid my balance. This action will result in 3 negative impacts on my credit score that i am working diligently to improve. They include : 1. I will no longer have the Excellent rating on the length of oldest accounts which was 26 years up until XX/XX/XXXX. 2. Closing the account after I paid the balance will eliminate the credit unused potential on my credit score. 3. the fact that it is now a closed account will contribute to a negative impact.

At the very least Bank of America could have lowered my credit limit and kept the account open. Instead they wait until you can not benefit them financially any longer and then close the account without warning or opportunity to dispute. I have spent the past hour on the phone with them and continued to be transferred to 4 different people who told me there was nothing they could or would do and that i need to accept this decision basically and that it was not reversible. I find it unethical that credit card companies can take action on a customer that causes their credit to be negatively impacted as a result of the customer taking action to improve their credit score and good standing with that credit card company. The representative further said, on a recorded call of course, that paying off the balance in full prompted the peer review and that had I not paid the balance off in full the account would not have flagged for a peer review. And naturally, had the balance not been paid in full the Bank of America would still be able to collect interest money from me.

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 2021-11-01 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: FL

Complaint narrative:
The credit report agencies are all reporting and interpreting my students loans as late. I have been on a Income Driven Plan before and during the Pandemic. The reports show for a consecutive year of late payments of {$0.00}. 

My student loan accounts are in good standing with all my XXXX accounts

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 2021-11-01 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: FL

Complaint narrative:
The credit report agencies are all reporting and interpreting my students loans as late. I have been on a Income Driven Plan before and during the Pandemic. The reports show for a consecutive year of late payments of {$0.00}. 

My student loan accounts are in good standing with all my XXXX accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MA

Complaint narrative:
On XX/XX/XXXX I received a phone call from someone saying my XXXX XXXX account was overdue, {$490.00}. They said a truck was on its was to turn off my service. They said I could pay online with Zelle. I told them I wanted to use my credit card, they said it was not possible to use a credit card. 
I setup a Zelle account with them, I sent out {$490.00} and they said, it did not go through please send out {$490.00} and tomorrow morning they will refund your {$490.00}. 

First payment : Conf # XXXX ; XXXX, XXXX {$490.00} Second payment : Conf # XXXX  ; Fc, XXXX {$490.00} Phone number they called from : XXXX Phone number money went to : XXXX The next day I called XXXX to see about my refund for {$490.00}. The XXXX representative said they never call for money or would they turn off the service. They suggested I call my bank and the police department. 

I called my bank XXXX  XXXX XXXX they investigated they said the money went to XXXX XXXX. They said they were not able to help me. 
My claim # with XXXX is XXXX I filled out a police report with the XXXX XXXX XXXX on XX/XX/XXXX. 

XXXX XXXX XXXX. XXXX

Company response to consumer: Closed with explanation