vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: PA

Complaint narrative:
I have sent a dispute letter to the company and they have not complied or sent back any type of information to have this account removed. This account is not even mine and I have no ownership of the collection. The dispute was made against XXXX. 

Alleged debt- Firstpoint Coll Reso Opened on XX/XX/2019 amount {$370.00} Original Creditor XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Vehicle loan or lease — Title loan
Issue: Incorrect information on your report — Account status incorrect
Company: Nicholas Financial Inc.
State: OH

Complaint narrative:
I just better the fact that my XXXX car payment with Nicholas Financial was 30 days late due to being XXXX  since XX/XX/2020. The update to my dispute was to put in that XXXX was 30 days late as well. It was not late! I paid it on time! Why is it that I filed a dispute and then things got even worse? This is ridiculous I have not worked for almost a year now and Im struggling and this is due to Covid not my fault! My payments are current only one was late and Im disputing it due to Covid. Please fix this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase sent me an email stating that if i refer someone for a credit card. I would get {$100.00}. I did exactly what i was suppose to. I sent a email to the person i was referring. That clicked on that email and was approved. I received and email from chase that i was going to get a {$100.00} credit on my next statement. This never happed. I contacted chase via XXXX and secure messaging. They didn't seem interested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My XXXX, XXXX XXXX, applied to multiple XXXX cards companies without my knowledge. He financially abused me and did not let me have access to see the debt on the credit cards. We are in the process of a divorce now, and I discovered all these cards under my name after filing for divorce and checking XXXX  XXXX. I have filed a police report that is attached. I have filed fraud for the cards as well.

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 2021-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
On XX/XX/2020 I wrote FirstPoint Coll Resources INC or at least attempted to via mail. Unfortunately, the letter was returned to me. This address was listed as their contact information on my credit report. According to the FCRA companies furnishing data are ONLY to report accurate information. This is a clear violation of FCRA section 623 and now I demand the deletion of this account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2020 I filed a complaint against XXXX  and Experian concerning the inaccurate reporting of XXXXXXXX. This account was sold to XXXX XXXX XXXX. XXXX and all associates have requested this account be removed from all credit bureaus. XXXXXXXX  has failed to response to my dispute. I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 45 days gives a reason to immediately remove those items from my credit reports. It has been over 90 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2021-02-18 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: GA

Complaint narrative:
XXXX  {$4400.00} XX/XX/2019 Not my account, my identity was stolen at a previous address of mine that contained some of my personal info. They got ID 's in multiple states in my name, which is why I only carry a passport now. 

XXXX XXXX XXXX {$2500.00} XXXX This is a debt from XXXX XXXX that was already settled with XXXX XXXX and was flagged as a fraudulent account. The debt was removed once they found out the account was opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MS

Complaint narrative:
Citizens bought Franklin American Mortgage who had been servicing my home mortgage. After approximately 12 months of Citizen 's servicing I decided to pay off my mortgage. All payment to citizens had been made via their website where my bank account was linked and payments were ACH 'd from my bank to citizens. With each payment there was a disclaimer posted that final payoff payment could not be done electronically and must be mailed. So, i made my final electronic payment in early XX/XX/2021 but i made it for approximately {$400.00} less the loan balance. I then requested payoff information. The payoff info that came said that my final payment of approximately {$400.00} had to be made via wire transfer or Cashier 's check. 
Out of convenience and principle I called Citizens ( spoke to XXXX ) to ask why I couldn't send a personal check or to ask if could deduct the cashier or wire fee from the amount I was sending them. I was told i must send a wire or CC for the full amount and that was not their policy but was the policy of the investor XXXX XXXX XXXX ). I called XXXX XXXX would confirmed that this was NOT their policy and they had no preference how I paid the servicer. I then requested from the Servicer documentation of where i accepted the terms and conditions stating my final payment would be different than every other payment and where i accepted responsibility for charges associated with arranging this special payment. I was told that they would have to charge me to send me my consent ( which i am sure i never gave them ). We remain at an impasse regarding my loan payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I originally started with this refinancing with this company XXXX months ago. Through this entire process, I have given NewRez multiple opportunities and have very patient with going through this process. From XXXX to XXXX the processor I worked with no longer was responding until I called the original employee I was working with for him to say " he has no idea what is going on ''. I have asked for managers and explanations and never once received them and I have signed documents several times over and over again with the same terms throughout this whole process. After 5 months I began to put more pressure and here we are at closing and they have changed the terms on us after 6 months when I have rate lock agreements that are still valid. The communication, professionalism, and lack of client support are horrible. They are not a reputable company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: WI

Complaint narrative:
No response the mortgager just disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Accounts, LLC
State: NJ

Complaint narrative:
I was contacted by a collecting agent by the name Capital Accounts on XX/XX/2021. Capital Accounts wants me to pay a debt of {$900.00} and the creditor is XXXX XXXX ( See attached copy of First Letter from Collecting Agent ). In response to my debt validation request, Capital Accounts sent me a medical bill put up by the physicians office ( See attached copy of Second Letter from Collecting Agent - WOB ). This medical bill is not a proof that I owe the debt and I have already disputed it with the physicians office before. Later, on XX/XX/2021, Capital Accounts sent me a letter telling me that they had sent a delinquent debt report to the three credit bureaus ( See attached copy of 4th Letter from Collecting Agent ). 
I have made it very clear to Capital Accounts that these medical charges are all wrong and I had already disputed them with the physician. Yet, Capital Accounts ignores all the facts and continues to conduct activities to damage my reputation by sending delinquent debt reports to the credit bureaus despite the fact that it did not or could not prove the debt it claims on me. This is a brutal attack on consumer rights. Please take all necessary actions to punish such outrageous behaviors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Good morning, I recently refinance my primary mortgage with XXXX  XXXX. XXXX  XXXX asked to subordinate Webster Bank HELOC and I made this requested on XX/XX/XXXX. It has been more than two month now that both XXXX  XXXX and myself have reached out to Webster Bank subordination request and branch manager for assistance. However, no response from subordination request department at all. So I decided to closed Webster HELOC account. Today, XXXX  XXXX reached out to me saying on XX/XX/XXXX Webster hard pulled my credit asked me for explanation. I dont know why Webster hard pull my credit? I dont know what its for? I have not apply anything with Webster Bank. For subordination request there is no need to hard pull credit or at lease let me know its part of process?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: GA

Complaint narrative:
I am resending this dispute as Experian marked my previous dispute as there is an unauthorized third party. THERE IS NO UNAUTHORIZED THIRD PARTY. I AM SUBMITTING THIS DISPUTE MYSELF. YOUR COMPANY JUST DOES NOT WANT TO DEAL WITH THIS ISSUE. HANDLE THE COMPLAINT. AGAIN, THERE IS NO UNAUTHORIZED THIRD PARTY INVOLVED. Is my complaint well stated and shows that I am knowledgeable? Do I have well documented disputes and supporting documentation? YES. I am the owner of a legally run XXXX XXXX XXXX so I know the laws and processes. I know how to write an effective dispute and complaint letter. I know the importance of keeping my documents. Again, there is no unauthorized third party. I have attached my driver license and social security card for identification purposes. Process the complaint ... 
I have disputed the account with XXXX XXXX probably four times due to inaccurate information being reported. The company continues to verify the information as accurate. My most recent disputes pointed out that the balance is inaccurate. The company continues to randomly change the balance. The balance is now reporting as {$810.00} with Experian and {$800.00} with XXXX, but that could change at any moment. The original charge off balance was {$680.00}, which I pointed out in my dispute letter. There is no added interest to this account. I have attached a document directly from the company sent to me on XX/XX/2021 that shows the balance as {$680.00}. Please look at the document. At the same time, the company continues to report a higher balance to the credit bureaus. This is not right and is against the Fair Credit Reporting Act. Experian can not allow companies to report inaccurate information after a consumer disputes the information and provides proof. This is my second documentation to Experian about the balance. The information has not been corrected and the account is still reporting inaccurately on my credit report. Experian claims that they did not receive my most recent dispute in XX/XX/2021, but this is not true. I sent a letter on XX/XX/2021 via USPS certified mail that was received at Experian on XX/XX/2021. See the attached Certified mail receipt. I am filing a separate complaint about this, but I wanted to include the mail receipt because I sent documentation with this dispute letter proving the balance for this account is reporting inaccurately.

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 2021-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My Husband, XXXX XXXX, applied to multiple Credit cards companies without my knowledge. He financially XXXX  me and did not let me have access to see the debt on the credit cards. We are in the process of a divorce now, and I discovered all these cards under my name after filing for divorce and checking XXXX XXXX. I have filed a police report that is attached. I have filed fraud for the cards as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Nations Direct Mortgage, LLC
State: FL

Complaint narrative:
I set up automatic payment on my account and to my surprised I was marked late several times after calling in to speak with someone to correct payment error and fix the problem the company wouldnt correct the wrong reporting.Im upset and wished I never use this bank for finance on my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX of XXXX, We closed on a mortgage with Citi Bank Mortgage for property in XXXX XXXX a U.S. territory. In XXXX Citi mortgage stopped doing business in XXXX XXXX and sold it's branches and other business but kept our mortgage. Over the years Citi mortgage has sent me info to refinance this mortgage but when I call them they say that they can not refi in XXXX XXXX. We are paying a high rate of 6 % on this mortgage, Citi Bank never notified us that they were leaving XXXX XXXX and that we will not be able to refinance this mortgage with them. We feel that Citi is not being fair by not letting us refinance for a lower rate on a mortgage they still hold and is being serviced by XXXX since XXXX. Pleas advise us on our rights and what can be done. 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 2021-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

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 2021-02-18 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: FL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

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 2021-02-18 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: CITIBANK, N.A.
State: NY

Complaint narrative:
charged {$280.00} on citi business card on XX/XX/2020 but never received merchandise. 
complained to citi and merchant merchant acknowledged failure but said credit not possible because they had never received payment from citi. despite sending e-mail from merchant confirming this citi on XX/XX/2020 dismissed my complaint and demanded payment. this appears to be FRAUD and ASTTEMPTED LARCENY by citi

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 2021-02-18 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: ERC
State: NY

Complaint narrative:
I have filed a dispute in regard to the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal is permanent limitation on my account without reason and my paypal id is XXXX and this one is registered on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a text notification that my savings account balance was XXXX in a panic since this is the account I deposit my pandemic unemployment checks I logged on to the Wells Fargo website to confirm that the balance was indeed XXXX. The notice said " Legal order debit-contact court ordered debt collections ( XXXX ) XXXX case # XXXX '' Ie called this number to find out Wells Fargo can not tell me who had collected my savings. I was never notified of me owing anything and now my unemployment is gone to someone and my kids and I face hunger, eviction, penalty fees, overdraft fees and a {$120.00} to wells fargo legal ordered fee. I dont know who or what but one thing is for sure my children and I will be sleeping on the streets of XXXX XXXX Ca if I can not fix this soon. I will be happy to set a payment plan as long as i know what is for. Not knowing the creditor, balance or nothing about the debt is scary specially when your kids safety is at risk.

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 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Self Financial Inc.
State: CO

Complaint narrative:
XX/XX/XXXX I signed up for a credit builder account with SelfLender, now its Self.com. I spent 12 months paying {$89.00} to accrue as a CD. At the end of the CD Maturity, {$1000.00} was given back to me minus {$100.00} that went to a secured credit card on XX/XX/XXXX. 

On XX/XX/XXXX, I signed up for another credit builder, I paid {$48.00} for 12 months again, at the end of the CD Maturity date, Self sent me a letter dated XX/XX/XXXX Certificate of Deposit Maturity Notice This is to inform you that your Certificate of Deposit XXXX will mature on XX/XX/XXXX in the amount of {$530.00}. This Certificate will not renew automatically and interest will not accrue after the maturity date. The amount of the Certificate will be deposited into your XXXX XXXX XXXX XXXX XXXX Idaho account ending in XXXX. 

On XX/XX/XXXX I received an email from Self Over the last 12 months you were able to establish payment history with the credit bureaus and save an estimated total of {$530.00}! 

Your estimated payout of {$39.00} will be electronically deposited into your XXXX XXXX XXXX XXXX XXXX Idaho account ending in XXXX on XX/XX/XXXX. You will receive an email from us once we've sent your electronic deposit. 

They do not give a valid reason to take {$500.00} of WHAT I paid for every month for 12 months. I paid {$100.00} for a secured credit card and since XX/XX/XXXX, I have increased my secured card limit by making payments on time to my card, they sent me notifications to tell me that. In fact, prior to this email being sent, Self offered me to increase my credit limit because I made payments to my credit builder account on time. 

This letter telling me that I will receive my {$530.00} to my bank account is unlawful. I've reached out to two people via email and I keep getting told that the {$500.00} is to cover the {$600.00}. 

At NO time did they tell me that the credit increases from XX/XX/XXXX to XX/XX/XXXX would have to be covered by the XXXX XXXX account.

Company response to consumer: Closed with explanation