vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Social Finance, Inc.
State: WA

Complaint narrative:
My original monthly payment was {$420.00}. I made a lump sum payment toward the principle on this loan in the amount {$8300.00} on XX/XX/2018. I requested for the loan payments to be Re-Amortoized and this was done on XX/XX/2018. The payment due date was changed to {$150.00}. Sofi did the calculations for this loan as the lender. I was charged the {$420.00}. I called regarding this and they refunded this amount and started charging the {$150.00}. Sofi is now stating that I owe them a lump sum payment of {$810.00} on XX/XX/XXXX. They are trying to say that the amount they refunded me was not included in their calculations after the re-amortization and that I still owe that and the interest rate attached there to. 
Obviously, at the time they refunded, they did not state I owed that nor did they state it would accrue and recreate this lump sum amount. Loan companies do not just refund payments if it does not believe those payments were due. If the Sofi professional made a mistake in the calculations, that mistake should be construed to Sofi as the drafter. It is not my fault they made a mistake in their calculations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: WI

Complaint narrative:
Americollect had been calling me repeatedly over the course of several months sometimes more than once a day while I was trying to sort out the {$990.00} dollar debt out with my insurance company without any written notification. 

Finally, I tried to get the debt validated as I have still yet to see an itemized bill from Americollect or the debtor 's XXXX XXXX XXXX. I sent this validation letter over certified mail on XX/XX/22. On XX/XX/22 I received a letter back that stated nothing but thee {$990.00} balance and the debtors, information that I had gone to them with to get validated. On XX/XX/22 I sent a failure to validate letter over certified mail and they replied on XX/XX/22 stating that my dispute was " firvilious and irrelevant ''. It has been years with this outstanding bill and I have still been unable to get it validated by a debt collector that called my off the hook for months on end while I tried to get my medical bills sorted out as a student struggling during the pandemic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: CA

Complaint narrative:
In XXXX XXXX my bankruptcy was discharged. XXXX XXXX, The mortage company first told me i had to reaffirm the debt. I called my lawyer and he said in California, you can not reaffirm a mortgage. I continuously paid my mortgage but they refuse to report it on my credit report. XXXX XXXX, I talked to Shellpoint Bankruptcy Department and they stated all I had to do was send credit bureau my payment history and they will put it back on. I Sent the information in and the credit bureau and they said Shellpoint has to report it to them again. I have attached my payment history to show that I have been continuously making my payment. 
Shellpoint Mortgage Servicing XXXX, SC XXXX XXXX www.ShellpointMtg.com Phone Number : ( XXXX ) XXXX Acct # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/22 I opened a Wells Fargo Checking Account using their online portal. 

There was an option to fund the account after going through the process to open it. 

I utilized my XXXX savings account to initially fund the account ( {$25.00} ), using Wells Fargo 's online portal. 

I then closed the account on XX/XX/22 as I opened another checking account with wells fargo at my local branch. 

The funds were successfully debited from my XXXX savings account, but Wells Fargo has no record of the transaction happening. 

I have called Wells Fargo multiple times, taking to various teams but no one is able to locate the money.

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 2022-03-02 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This is XXXX XXXX XXXX and I am sending this complaint to address the incorrect items on my account. The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was Experian incorrectly. Please be noted that I have sent out letters prior to this complaint to Experian and to the companies for them to investigate. Have these following items be removed accordingly XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$11000.00} XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of 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 2022-03-02 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: MI

Complaint narrative:
This is XXXX XXXX XXXX and I am sending this complaint to address the incorrect items on my account. The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was Equifax incorrectly. Please be noted that I have sent out letters prior to this complaint to Equifax and to the companies for them to investigate. Have these following items be removed accordingly. 

XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX Balance : {$120.00} XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: MI

Complaint narrative:
This is XXXX XXXX XXXX and I am sending this complaint to address the incorrect items on my account. The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was TransUnion incorrectly. Please be noted that I have sent out letters prior to this complaint to TransUnion and to the companies for them to investigate. Have these following items be removed accordingly. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX : {$120.00} XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NE

Complaint narrative:
I had two deferred interest plans on my Zales ( Comenity ) account. I paid extra every single month to make sure they were paid off in time. Comenity did not credit my payments correctly, so that they could tack on the accrued interest. I'm attaching a detailed description of exactly what they did. Now, the account has been sold off a few times and I'm taking a hit on my credit because of all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: NJ

Complaint narrative:
I have been reaching out to EXPERIAN, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from EXPERIAN and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020

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 2022-03-02 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: GA

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 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 2022-03-02 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: FL

Complaint narrative:
As a consumer I feel like I have been discriminated against because my federally protected rights have been violated by Equifax. I sent them a dispute letter that they received on XX/XX/XXXX to have 2 inaccurate items removed from my report. A closed account and a fraudulent collections account thats been reporting every month since XXXX of XXXX. They sent me a letter in response to my dispute letter that I received XX/XX/XXXX stating that the information I provided didnt match what they had on file and they requested more documentation. Which is XXXX because I sent them a copy of my drivers license, and bill showing my address, and the last 4 of my social security number. They do that XXXX just to prolong the dispute process and discourage consumers from pursuing further actions. I called their dispute number XX/XX/XXXX at XXXX to see if I would have better luck over the phone. The first agent confirmed my identity using my name and address. She asked for my social and I told her I dont consent to giving out my social and she doesnt need it to confirm who I am. I told her the items that I wanted deleted and she tells me they have to stay on for 7 years by law. I asked her if they follow the laws under the Fair Credit Reporting Act and she said she doesnt know what those are. How can these XXXX do business with consumers and not know or follow these laws! I asked to speak to a supervisor. She transferred my call to the wrong department and they transferred me to the appropriate person. I asked the supervisor do I need to fill him in on whats going on from the beginning or did the agent already do so. He said he understands I dont want to give my social. I said thats correct and the 1st person was able to confirm who I am without it. He asked me again for my social security number and I refused so he responded by saying hes terminating the call and hung up on me. Theres no law that says I have to give them my social security. Theyre not even a government agency. Pursuant to 15 USC 1681b ( a ) ( 2 ) they didnt even get my written instructions to furnish a consumer report with my information in the first place. This XXXX is all fraud! XXXX poor practices by a XXXX poor company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: EQUIFAX, INC.
State: UT

Complaint narrative:
Not sure why they can't seem to get information correct on anyone 's reports. They get paid by lenders to report " accurate '' info yet they don't! The attached info is incorrect on every level. The account was paid off in full by me in XXXX and closed! They show that I'm " disputing '' the account as being mine which I'm clearly not! I want them to update the account to a {$0.00} balance and show it closed by the consumer because I closed it when I paid it off - period!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: GA

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 2022-03-02 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: Experian Information Solutions Inc.
State: GA

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 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 2022-03-02 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 — Problem with personal statement of dispute
Company: RoundPoint Mortgage Servicing LLC
State: CO

Complaint narrative:
We refinanced our home with One company and they sold the loan to RoundPoint in less than 30 days with out our knowledge. RoundPoint called us and said they were out new mortgage company but never properly officially notified us. We were under the impression their calls were scam or fraud. They reported us late payment after 30 days to all credit bureaus. It was a big misunderstanding. RoundPoint has refused to remove late payments from our credit reports

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 2022-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
XX/XX/XXXX I received an email to my personal email address ( XXXX ), addressed to my name XXXX XXXX, thanking me for my interest in opening an account with Wells Fargo and letting me know that I could not open an account online and needed to come into a branch. I also received a letter in the mail advising of the same actions to open this account. 
I did NOT attempt to open an account with Wells Fargo at any time. 
I did call Wells Fargo on XX/XX/XXXX to have another fraudulent checking and credit card account closed that I did not open. ( Reference case # XXXX and # XXXX ). These accounts were also opened online. 
On XX/XX/XXXX I called to report the fraudulent checking account and spoke to XXXX who I provided my personal information and advised me that a fraud case would not be opened since my social security number was not associated with the new account. I would like some assurance that Wells Fargo will not open an account in my name, email and physical address. Wells Fargo only told me that there was nothing they could do since this online application did not match my social security number. ( My social security number is not on my drivers license, so how can it be validated anyway? ) I have little confidence in this bank since this is the second time an application has made it through their systems and I am given no assurance from them that they will not open an account in my name. I would like a response from the bank and to know how they will ensure that accounts are not opened online without proper authentication of the person applying.

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 2022-03-02 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: Aspen National Financial, Inc.
State: CA

Complaint narrative:
Had previously filed a complaint against Aspen for their illegal third party reporting on my credit and they have removed the incorrect information ; however, my husband who was also on the fraudulent contract also still has a blemish on his credit report with XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
Since 2018 Carrington Mortgage took over my mortgage from XXXX XXXX. I have been making my mortgage payments online thru Carringtons website instead of mailing checks. I have now found they have been adding on a XXXX dollar processing fee to every payment I made online thru their website. This is a deceptive business practice by them and also a violation of the fair debt collection practices act. They are only allowed to charge the actual cost to process the payment which is about XXXX cents not XXXX dollars. I have been getting charged this XXXX dollar fee for somewhere around 3 or 4 years now and believe they should refund the differnce between the fee charged and the actual cost to process the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Navient is attempting to resume payments effective XX/XX/22 despite the government moratorium having been extended to XX/XX/22. 

I have attempted to get them to explain why or how they or I am exempt from that but they have not ever addressed that question, only telling me the same thing that they are no longer offering relief due to the Covid pandemic. No loan servicer ever offered relief, it was granted by my government and still is until XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
The CONGRESSCOLL ( Original Creditor : XXXX XXXX XXXX ) with the account number XXXX is not complying to FCRA 's law. Furnished accounts must be reported 1005 accurate. Why is it that the balance of this account is higher than the high credit? It is completely INCORRECT. Cleary this furnisher is taking advantage from me. This matter must be addressed immediately because this is damaging my credit scores. Provide me documents showing that this account is legal and is not practicing an illegal act towards FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C. section 602 A. states I have the right to privacy 15 U.S.C. 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any puropose

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