vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC
State: HI

Complaint narrative:
Complaint against XXXX XXXX XXXX XXXX XXXX is Publicly traded on the XXXX XXXX XXXX XXXX under the ticker XXXX and is structured as a real estate investment trust. 

They are externally managed by in affiliate of XXXX XXXX XXXX XXXX. 



XXXX XXXX and XXXX XXXX XXXX engaged in mortgage back securities to defraud investors which is a federal crime. 



XXXX XXXX and XXXX XXXX XXXX fraudulently created mortgage back securities to defraud investors. Please see attached letter from XXXX ( Exhibit 1 ) On XX/XX/XXXX see attached notice of ownership change from XXXX claiming they transferred dated XX/XX/XXXX to XXXX pass-through XXXX XXXX. 

The letter states Its for informational purposes only and required by federal law. It also states the transfer of ownership has not yet been publicly record. ( See Exhibit 2 ) On XX/XX/XXXX XXXX fraudulently created a corporate assignment of mortgage from XXXX XXXX to XXXX not in its individual capacity but solely as trustee of XXXX pass-through XXXX XXXX see attached ( exhibit 3. ) New residential loan servicing and XXXX loan servicing created fraudulent mortgage back securities and sold it in the stock market to investors. The assignment was never recorded under city bank as trustee in Hawaii land Court bureau of conveyance. 



The consumer financial protection bureau and Securities and exchange commission should Immediately investigate XXXX XXXX And XXXX loan servicing for creating fraudulent mortgage back securities and defrauding investors which is a Federal crime. 



If XXXX XXXX is trustee for the XXXX Passthrough XXXX XXXX then new residential and XXXX loan servicing need to produce a recorded assignment in the name of XXXX as trustee on or about the closing date of the pooling and servicing agreement. 



I am asking the CFPB to immediately look into these fraudulent mortgage back securities that new residential, XXXX, XXXX XXXX XXXX and Shellpointe are engaging in. Im asking new residential servicing through CFPB ( Consumer financial protection bureau ) to provide a copy of the recorded assignment showing XXXX as trustee as required by the pooling and servicing agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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'm filing a consumer financial bureau complaint against the credit bureau Experian & XXXX for their refusal to report the debt as paid in full accurately on my credit file and I would like to report this as a breach of contract. 

I have receits of payment with memo stating that if check is cashed debt is settled..note all check receits have been cashed from my bank to three different creditors XXXX XXXX, XXXX XXXX XXXX , and 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 2020-12-05 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: Varolii Corporation
State: CA

Complaint narrative:
Not allowing to send money

Company response to consumer: Untimely response
Consumer complaint received 2020-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC

Complaint narrative:
I HAVE WIRED AMOUNT OF XXXX US DOLLARS TO A PERSON VIA MONEYGRAM FOR THE PURPOSE OF BUYING A LAPTOP FROM HIM. 
HE RECEIVED THE MONEY FROM THE MONEYGRAM, AND WHEN ASKED HIM TO SHIP ME THE LAPTOP, HE STARTED MANIPULATING ME AND DECEIVING BY ASKING FOR MORE MONEY. 

I REALISED THAT HE IS MAKING A FRAUD, SO I CONTACTED THE COMPANY ( MONEYGRAM ) AND ASKED THEM TO FILE A COMPLAINT, AGAINST THEIR CLIENT ( BLACKLIST HIM OR TRACE HIM OR TRACK HIS TRANSACTIONS OR RLAY THESE INFORMATIONS TO THE CONCERNED AUTHORITY ). 

I REALISED THAT THEY WILL NOT DO ANY SERIOUS ACTIONS TO HELP AUTHORITIES CATCH THESE POEPLE AND PROTECT INNOCENT POEPLE FROM BEING TRAPPED BY THEM BEING MANIPULATED AND LOSE THEIR MONEY.. 

I ALSO MADE A COMPLAIN IN THE FBI SECTION AND I WILL INFORM THE LOCAL STATE FEDERAL AGENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I writing because I pull my credit on XX/XX/XXXX found out about this collection from MIDLAND CREDIT Account # XXXX Original Creditor : XXXX XXXX XXXX XXXX. I wrote them a letter of validation on XX/XX/XXXX certified letter they received it by XX/XX/XXXX ( attached letter ). They did not reply to my initial letter MIDLAND CREDIT they not only violated federal and state laws, but they have also did not provide a copy of any viable evidence, bearing my signature showing the account is being reported accurately. So, after speaking to FTC about what violation of non-compliance. 1 ) Creditors if they report my credit history inaccurately. The US Court of Appeals Ninth Circuit.No. 00.15946, Nelson vs. Chase Manhattan. This defamation and financial injury. Fine extent of damages incurred by wronged party as deemed by the courts. 2 ) They are " Re-Aging this account by reporting the date of last activity instead of the date of first. Consumer protection afforded by the FCRA Sec.605 ( c ) .Fine of {$1000.00}. 3 ) Collection Agency if they have not validated the debt and they still continue to report to the credit bureaus. Protection of consumer afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre. Be aware that I am making a final goodwill attempt to have your clear up this matter.4 ) If your office failed to obtain all documents requested in validation, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. This items should be deleted immediately. If you and credit bureaus continue in this non-compliance I remind you of as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal.Nov. 14, 1995 ), you may be liable for your willful non-compliance. Please remove item that is harming me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I reached out to Navy Federal Credit Union XX/XX/2020 in an attempt to settle an old debt to repair my current credit score, and status. There was no response from the company whatsoever. I then received a letter in the mail from a debt collection agency in connection with Navy Federal Credit Union on XX/XX/2020 dated for XX/XX/2020. I then attempted to access my account online to again attempt to contact someone about settling my debt/account ( s ), only to find out that my account access had been restricted. I then begin to search for what could be done to assist in achieving the repair to my credit. I then found that this is a common problem with the unfair debt collection activities conducted by Navy Federal Credit Union. They currently have a standing Consent Order that I found on your site which made me want to reach out with a complaint against them. 

*File No. 2016-CFPB-0024* This consent order clearly states in several sections that when they are conducting debt collection practices they are not to conduct business in a certain manner. I have thoroughly read through this consent order and found numerous violations to this consent order that was issued in their attempt to collect a debt from a consumer, mostly revolving around unfair acts or practices in their debt collection practices that violates this very consent order. 

The violations that pertain to my personal complaint are as follows : *File No. 2016-CFPB-0024* - Article IV : Paragraph 11, 23-28, 60-70, 72, & 79 - Article V : Paragraph 80, 80.b, 81.b, 82.d, 83.b - Article VI : Paragraph 85.c, 85.f, 85.g, 85.h, 87 - Article VIII : Paragraph 93.g, 93.j - Article XI : Paragraph 108.b - Article XIII : Paragraph 112.a - Article XVII : Paragraph 112.a

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: WI

Complaint narrative:
An account named ERC or Enhanced Recovery Co L has fraudulently reported a debt through what is listed as XXXX in the amount of {$440.00} to my credit report on XX/XX/2020. I have no prior acknowledgement of this account and received zero communication or information from ERC or XXXX prior to this debt collection landing on my credit report. I have been a victim of fraud and theft of my personal information including my social security number in the past. I know 100 percent this account is fraudulent. When requesting information regarding this account through ERC the employees became hostile and refused to provide any information to me as to the legitimacy of this account. I also have no documents of this account aside from it being listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NJ

Complaint narrative:
A few days ago I have reached out to XXXX XXXX to get a quote for my motorcycle policy. While getting a quote online and trying to finalize it as soon as I entered my Drivers license my quoted rate has gone up. I asked them why and they stated that they use Lexis Nexis reports and that report shows that I had an accident on XX/XX/19 and I was the driver at fault. This is absolutely inaccurate! On XX/XX/19 a XXXX rear ended my car and the other driver was at fault of the accident, not me. My current insurance company XXXX has confirmed that their reports are accurate and were submitted as such to all the reporting agency as I was the innocent driver in the accident. There is also a police report that shows that I was NOT the driver at fault. Because of inaccurate information posted by Lexis Nexis my reputation has suffered and I am not able to get insurance quotes that I should be eligible for as a very good driver. I need Lexis Nexis to fix their records as soon as possible and to report correct records to any companies that have reached out to them in the past with any credit inquiries for me. 

I am attaching to this complaint a copy of XXXX letter showing Negligence 0 % for me as a driver in this accident and a full police report of the accident. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. It's been over 60 days later I have not received a response yet. I truly feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 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 XXXX  data breach and may have gotten 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 2020-12-05 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Kohl 's has not provided a signed credit card agreement. Where is the SIGNED credit card agreement. Stop sending documents that have not requested. 
Why is Kohl 's not noting on the account that is in a billing dispute and the company still continues to charge interest on an UNVERIFIED account and report it erroneously to the credit bureau. 
Kohls Bill Disputes : I DO NOT owe the balance of {$750.00} as of XX/XX/XXXX or any other updated balance that Kohls currently alleges I owe for Account Number : XXXX due to the aforementioned and the following : KOHL 's does not mostly have US phone representativesanswering their phone calls. At least, that has not been my experience. I provided a phone call log with over 12 reps ( of the ones that are logged ) and only two of them were from the US and I only reached them because I had to requestthem after being transferred around, stalled and hung up on from outsourcedcustomer reps. 
Capital One N.A. ( Kohl 's ) has been reported to have moved most of their call center rep jobs overseas and cut American worker jobs. In the wake, I don't understandmost of thecustomerreps I reach and have not receivedadequate servicing in trying to resolve the alleged balance that Kohl 's Capital One N.A. has attempted to attribute to me. 

Kohl 's HAS STILL NOT PROVIDED a SIGNED contract that has been requested several times on the several phone calls listed on the XXXX previous complaint I submitted to CFPB. Kohl 's has only provided a card agreement which is NOT a signed contract. 
KOHL 's continues to falsely report unverified non contractual balances to the credit bureau whenit still has not provided a signed contract. 


KOHL 's, Kohl 's Inc. ( associated with Capital One N.A. ) needs to provide an authorized SIGNED contract. They STILL have not provided one as of XX/XX/XXXX and XX/XX/XXXX despite several requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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 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 Im 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 so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for 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 2020-12-05 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: NY

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. It's been over 60 days later I have not received a response yet. I truly feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 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 data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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: NY

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. It's been over 60 days later I have not received a response yet. I truly feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 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 XXXX  data breach and may have gotten 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 2020-12-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$4000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$4000.00} -This is not my account.

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 2020-12-05 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: GA

Complaint narrative:
I'm filing a consumer financial bureau complaint against the credit bureau XXXX  & Equifax for their refusal to report the debt as paid in full accurately on my credit file and I would like to report this as a breach of contract. 

I have receits of payment with memo stating that if check is cashed debt is settled..note all check receits have been cashed from my bank to three different creditors XXXX XXXX, XXXX XXXX XXXX , and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: WA

Complaint narrative:
I am having an issue with my Mortgage Servicer, CrossCountry Mortgage We received a notice of nonpayment for our property taxes dated on XX/XX/2020 from the XXXX XXXX Treasury department. 

Logging in to my servicer 's website and viewing the transaction information for my escrow account, it is apparent that CrossCountry Mortgage had taken money from my escrow account and paid the property taxes for the wrong account number associated with a similar, but different address ( they missed the " S '' at the end of my address ). I can clearly see on the XXXX XXXX tax servicer 's website that my payment was applied to their property, and mine has not been paid. 

I called in and was told a " ticket had been placed with the tax department '' on XXXX XXXX I followed up on XXXX XXXX and was told to email their support line " XXXX '' with supporting documents - I did so and received a receipt of email confirmation, but have not received any email back. 

I followed up by calling again on XX/XX/XXXX and was told to expect a response from the tax department back the next day ( no such call came ). 

I called again on XX/XX/XXXX and was told that my request was being escalated to a manager, and to expect a call by the end of the day ( no such call came ). 

I have yet ( 9 days after my initial complaint ) to receive any call or communication from anybody at Cross Country mortgage indicating they are working on the problem or have made any progress towards resolution, I have only ever been able to call in and ask about the situation and receive a " we'll contact you later '' response. 

At this point, I am very concerned that my second tax payment for the year will not happen, late-payment interest penalties are increasing, and a tax lien could be placed on my home for non-payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation