vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-19 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: Shellpoint Partners, LLC
State: HI

Complaint narrative:
1. I have a loan with shell point mortgage service company from XX/XX/2020 2. I did pay off the loan with early payoff the loan fine. 
3. Shell point MS company were not honestly reported to XXXX about my payment record : they reported me three times pay later. these are nosence! As a financial company, they suppose not provide such fake information to hurt my credit. Actually I never pay them later. 
4. Some one from shell point co, intentionally did fake information, I disputed such fake information and I also request financial organization to investigate such actions from this company. 
5. this company charged me over {$5000.00} for early payoff the loan, is that legally for them to do so?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
On XX/XX/2020 I was transferred via XXXX XXXX  from XXXX XXXX in XXXX XXXX to XXXX XXXX XXXX and am responsible for a Co-Insurance of {$1000.00}. Unfortunately, the bill was transferred to collection agency and interest charged, currently at {$69.00}, Per the FTC, they may not try to collect interest, fees, or other charges on top of the amount you owe, as stated in the original contract. Interest is illegally charged and I will not pay. I have paid in full the principal balance. I expect the account to be closed. I did send a letter to both XXXX XXXX and Grant Mercantile Agency detailng as such and their practices were illegal, but did not receive a response or acknowledgement,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I took out an auto loan from Ally Financial in XXXX of XXXX. Starting approximately XXXX of XXXX for a period of 6 to 7 months, this company neglected to report my payments to the credit bureaus. I was told this was due to a system wide glitch. Since this initial period of time, on at least 6 other occasions ( ranging from 1 month to 3 months ), they have neglected to report my payments to the credit bureaus. I have spent countless hours on the phone with customer service trying to get this issue rectified. I have been transferred countless times, repeatedly refused access to supervisors and the credit department and have been disconnected by rude CSRs who simply did not feel like doing their job, more times than I care to remember. The payments should be reported on the XXXX of every month. The last time my payments were reported to XXXX  and XXXX  was XX/XX/XXXX, only after multiple calls. Ally Auto has not reported my payment to XXXX  since XX/XX/XXXX, even after repeated calls to this company. For over a year now, my payments have only been reported after multiple phone calls to Ally Auto and sometimes not even then. Clearly there is an issue here that no one has cared to look into! Making my payments on time is my responsibility. I should not also have to be responsible for making sure my payments are being reported 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 2021-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NV

Complaint narrative:
I was granted a Forbarence on our mortgage, we have paid all payments back and current with loan. I have asked for my original Forbarence documents listing terms with the loan and payment plan. I have tried to get these documents for 3 months without any success.

Every time I call I get a run around and sent generic forms without any loan specifics. When I ask to speck to a supervisor or Manager I am told No or that I would be called back. To this day I have called 13 times and never had a return phone call or received the original forbarence documents for my loan. I need these documents to refinance my loan. My Mortgage broker also has tried to request these documents while on a conference call with myself and CitizensOne without any success. 
XXXX XXXX Mortgage XXXX Attn : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative. I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent 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 2021-06-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: OR

Complaint narrative:
When returning the car at the end of the lease, we were told that a final turn-in payment is due - but could not be paid at the time ( I offered to pay it when we turned in the car but was not allowed ). We received the notice in the mail to pay the {$400.00} final bill, and we sent a check to them. 
Less than a month later, we get a call saying they did not receive payment. I tell them the check number and date sent. I offer to cancel the check and pay by debt card ( or any other method they choose ), and was told " let 's wait another week to see if we get it - we know the mail has been extra slow with the pandemic ''. She says she will call back next week if nothing was finally received and we could pay with card then. I say OK. 

No call back. a few weeks later we get another letter. I assumed it was " yeah, we got the check, here 's your final {$0.00} balance notice - thanks for using Kia Finance '' ... but nope. They say the still haven't received payment. I went to the website and immediately made the payment - something I offered to do before. I thought that was the end of that ... until I get a notice from XXXX XXXX saying Kia says I was 30 days late paying their bill. 

I called Kia Finance who informed me I must write a letter to their credit department to dispute the claim. I did, explaining I followed their direction verbatim at every instance. 

Just got a letter back from the Kia Finance credit department saying basically " nope - not changing a thing ''. 

This is just wrong. Both times I wanted to pay ( at turn in and on the phone when they called ) and was told to wait. The are unhelpful, and seem to relish in deceitful practices.

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 2021-06-19 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:
Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative. I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: OH

Complaint narrative:
on XX/XX/XXXX I put in a dispute with Transunion for 2 items on my credit report about a bankruptcy that was reported of my files I called the bankruptcy court and they did a investigation and found there was no files of a bankruptcy at all so I sent the letter I got from the court to have this removed form my reports Transunion is telling me that it was verified but they refuse to give me the information from where they are receiving there information that tells them that with the letter they received from me from the court the issue should be removed at once due to there is no files on this at the court at all so i m am putting in a complaint to have this removed from my Transunion report due to what is stated in the court letter there are no files of a bankruptcy and want it removed they are also stating that a XXXX  XXXX bank card XXXX is verified as well but they refuse to give me the information from where they are receiving there information that tells them this as well so I would like this removed as well do to it looks like a big error and there is no records of any such account on any other reports from any credit bureaus thank you XXXX XXXX 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 2021-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
After reviewing my credit report I found these items still there. I have already informed you that the items listed are incorrect inaccurate and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: National Credit Systems,Inc.
State: MD

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me very much so. I am unable to move forward with life so that I may provide for my family. I don't have a home, a car, no credit because of this problem. Please I ask that these fraudulent reports be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have already notified Macy 's and XXXX XXXX XXXX XXXX that this credit card was used without my knowing or permission. My now estranged wife had even used my social security number behind my back to open multiple credit cards without my permission. She is a con artist / serial defrauder and I have had to file for divorce because of this. I have severely and maliciously been defrauded by her. I am not responsible for the debt that she has incurred in my name. I am a victim of identity theft. Citibank even recognized this and deleted the Citibank entry from my credit profile. A police report was submitted to the XXXX XXXX Police Department on XX/XX/XXXX. I have found out that there are 7 other police reports with her as the suspect of fraud / theft. I opened this account on the day I purchased our wedding rings on XX/XX/XXXX solely to get a discount. That is the only charge that I am responsible for and I made that payment to XXXX XXXX XXXX XXXX on XX/XX/XXXX confirmation # XXXX. At the very least I should not be responsible for all of the in-store purchases that she made on my credit card because the employees failed to verify her ID against the name on the credit card. This is a practice that has disappeared in recent years and when my ID is checked I am thankful for merchants doing their due diligence.

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 2021-06-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Commonwealth Financial Systems, Inc.
State: WA

Complaint narrative:
XX/XX/2021 COMMONWEALTH FINACE XXXX XXXX XXXX XXXX, PA XXXX ***SENT VIA CERIFIED MAIL*** Certified Mail No. XXXX XXXX XXXX XXXX XXXX Commonwealth XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX COPY SENT TO XXXX  RE : Collection Account # XXXX To Whom It May Concern : This letter is being sent to you in response to an entry made on my XXXX, XXXX, XXXX  Credit Report, XX/XX/2021. I neither affirm, nor deny this purported debt. You claim I owe {$2200.00}. Please tell me how this was calculated. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec809 ( b ) that your claim is disputed, and validation is requested. I am herby requesting a copy of the last bill that says I owe somebody and a signed cop of the agreement. In addition, I need to know how much you paid for this debt, what was the original delinquency date according to the amount you say I owe.

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the
above-named Title and Section of the Fair Debt Collection Practices Act.

You should also be aware that reporting inaccurate and unsubstantiated information to a credit reporting agency might constitute fraud under federal law. Your legal staff will agree that compliance with this request is required under the laws of State and Federal Statutes.

In addition to the debt validation form, please attach copies of : 1. Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.
2. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.

I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State and Federal Authorities. I also hereby reserve my right to take private civil action against you to recover damages. 

In addition, The Fair Credit Reporting Act states that while this item is being investigated by you ( under dispute ) you must remove/cease from reporting this information to the Credit Reporting agency until full validation has been completed. I have taken the liberty in also copying this request to the Credit Reporting Agencies. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Cc : CRAs ( XXXX, XXXX, and XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
On XX/XX/2021 I submitted a request to withdraw my funds from my rollover IRA ( money saved while working in the US ) and close my account at Citibank Banking, I now live and work in the XXXX. I called a month later and was told the process should have taken 2 weeks, so the customer service representative escalated my request. I received no email, call or letter for another 2 months, and since my calls were being disconnect while being on hold every time I was trying to call, I gave up and wrote by post, highlighting my urgent need for these funds. 
On XX/XX/XXXX, I received a letter acting to resubmit one of the form, I did so the same day. I called on XX/XX/XXXX, and was told the form had been acknowledged as received on XX/XX/XXXX. I called 3 weeks later, as I had still not had the funds transfer. As no movement or information on file, the customer rep, escalated again. Each time I reconfirmed my phone and email address to help with communication, but I still did not receive information. On XX/XX/XXXX, I called again, spoke with a manager said this was in the hand of the tax group which I can contact directly, and he would not transfer. I clearly stated I was complaining and would escalated if not informed in a timely fashion. As of XX/XX/XXXX, I have : - Not received my funds - Not being asked for information - Not being informed of the status of my request or when I could expect my funds - Not been provided with a complaint number. 

As no longer have an current account with them, ATM or credit card, I can not use the online portal, and feel they are treating like garbage. When they wanted information from me for other purposes, funnily enough they remember to email me using their usual secure email, but to answer my questions they can't. 
Please help me. I'm just trying to get my money back I trusted them with and work very hard to put aside. After the 100s of millions of dollars they overpaid to a corporate client, I feel cheated for a few {$1000.00}.

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 2021-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/2021 {$1200.00} Fraudulent transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: CA

Complaint narrative:
I got an email stating that I will receive my security deposit back and my credit limit has been raised from Discover on XX/XX/2021. That I should receive a check within 5-7 buisness days. I call each month and while the staff is friendly and seems helpfully on the surface, I get different answers and responses. My last conversation ended with a supervisor giving me his word that he will follow up on the XXXX of XXXX due to the policies to see if I still haven't received the 3rd check they have told me they have sent out. He will call to expedite the 4th check. Well. It is the XXXX of XXXX and I haven't received a call nor will I expect to receive one. They keep trying the avoid accountability by said the United States Postal Service isn't making due with the delivery. That it possibly got lost in transit. While I under stand that is a possibility, the odds after 3 checks is highly unlikely and a miscommunication on the address is not possible as they ask to confirm my mailing address everytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I opened up an account with wellsfargo approximately XX/XX/2016. However, I went to the branch to close the account in XXXX or early XX/XX/2016 due to my not liking their services. Before I closed the account, I did submit a nonfraud dispute. At the time, I closed the account I was informed by the branch employee, the dispute was resolved in my favor and I was closing in good standing. However, after opening up an account with a credit union recently, I found out the account was never closed and I owed money to them. Wellsfargo NEVER sent me out any documentation regarding the dispute at all and they didnt notify me of the account closure either. So now theyre trying to hold me accountable for their actions. When I was the one that was lied to and victimized of their shady practices. I even asked them to write it off and if needed Ill pay the taxes on if needed.

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