vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I recently sent them an 'Escrow only payment '. I wrote my account number on the check with this statement. I sent a letter with the check with this same direction. They cashed the check 2 weeks ago ( I twice sent them proof of this - picture of front and back of check ). They acknowledge this. Only problem, they deposited it into another account. Now, 2 weeks later, and tons of phone calls, and the money STILL hasn't been put in my account and I am coming up on my annual escrow analysis which means they could also XXXX up my monthly payment. This is the 3rd time, they have misdirected funds I have sent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I find it very disturbing that this consumer reporting agency is reporting inaccurate information on my consumer report. I am very knowledgeable of my consumer rights and they have violated me in numerous ways. They have ignored my disputes. Ive been sending letters and contacting by phone since XX/XX/2021 and they still havent resolved this problem. They are in violation to federal law. 

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress said ANY card, The Credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should alb removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that they remove this transaction from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

Due to them violating my consumer rights If these items arent removed asap I will have to file for 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 explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
I been victimized with identity theft and communicated this with the companies they still harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
This is collection account is for XXXX XXXX which I do not owe. This account was removed from my credit report before but put back on it with out my knowledge. I do not owe XXXX it was disputed and removed from credit report then put back on. 
JEFFERSON CAPITAL SYSTEMS Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$570.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$570.00} Balance updated XX/XX/XXXX Recent payment $ XXXX  Monthly payment {$0.00} Original balance {$570.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
I closed escrow in XX/XX/2021 and the mortgage company was XXXX and was making payments to them every month then on XX/XX/XXXX I received a letter from them saying they sold my loan to CMC Funding. I also received a loan statement with a coupon for my XXXX payment due XX/XX/XXXX and never received anything from CMC Funding for the XXXX payment so I went and paid XXXX for my XXXX payment. Then on XXXX the XXXX I received a statement from CMC Funding that I owed them for XXXX and XXXX and to make the payment by XX/XX/XXXX. Then I received a phone call from CMC Funding is I was making the double payment to them. I told the RUDE XXXX on the phone that I make the payment to XXXX on XX/XX/XXXX and to collect the money from them she said it will take 30-45 days to get the money from XXXX and couldnt I make the double payment to them. She said that the loan process wasnt closed until XX/XX/XXXX I said to her why dont they find out if the XXXX payment was paid to XXXX I know they had gotten my payment as the check cleared my bank account on XX/XX/XXXX so XXXX had my payment. Anyway I have NO respect for CMC Funding if this is how they treat NEW customers. I also wrote a complaint to XXXX  about the company

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 2021-06-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I met spoke with a sales person from XXXX on XXXX XX/XX/2021 to obtain a quote for Solar panel installation. At no point was it discussed that I required a loan as I intend to purchase outright. When the sales person asked to confirm my social security number I questioned him on why that was needed. I advised I did not want any loans or any enquiries made on my file. He assured me it was for an identity check and to ensure I own the property. 

I was alerted by Experian on XXXX XX/XX/2021 about 2 new credit enquiries. 
- XXXX XXXX XXXX - XXXX XXXX XXXX I spoke with the sales person immediately. He advised that he wasnt sure why his team had done that and assure me he didnt request any loans for me. Ive spoken with XXXX XXXX more times in the past 2 weeks but Im still yet to get a response other than were looking into it. 

On XXXX, I spoke to Experian and placed a fraud block on my account. They advised that someone would call me to discuss the enquiries but Im yet to receive a call. 

I attempted to call the numbers provided by Experian for the 2 companies responsible and they went to an IVR that didnt allow me to get to an operator. 

I found the numbers online for XXXX XXXX  who operate the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX program and they confirmed that XXXX had submitted loan requests on my behalf. I requested that this be investigated and reversed as I had not requested any loan or authorized my credit report to be shared with any lender. The operator said they would investigate the issue and get back to me. I did not get a return call so I called them again a week later and I was advised that my account was noted with the information but it hasnt been dealt with yet. I requested that it be escalated but as of today I still have not received any update or return call.

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 2021-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reached out to Transunion via certified mail and by phone. By phone on XX/XX/XXXX informing them I was a victim of their Inquiry issue and that the inquiries listed below did not belong to me and need to be deleted immediately. They told Me there was nothing they could do and lied to me about being affected by the inquiry issue I ask that you follow the FCRA 611 and remove this unlawful added information off my report. 
XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX I also sent a certified letter to TransUnion on XX/XX/XXXX to dispute & demand Removal of many negative items from my report due to identity theft and the revived my letter and signed for it, as I have proof on XX/XX/XXXX I called and spoke to a manager two times and they refused to delete the items even though its been over 45days since I reached out to them and got no response they lied and said they go nothing but XXXX XXXX signed for it at XXXX on XX/XX/XXXX the USPS said two signatures were given one at XXXX XXXX  XXXX and second was by XXXX. XXXX later that day. Ill include photos of the receipt delivery signature and confirmation from USPS Im going to peruse legal action against TRANS UNION if My demands for removal of the negative items in my dispute are not met IMMEDIATELY. I again paid for out of my pocket more money to send another certified sign upon delivery dispute containing the original Dispute & proof it was delivered. Please look at the dispute and see the collection accounts and miss reported information on my report that needs to be removed and please give me the right I deserve and make them share 100 % accurate information about me not 98 % 22 % or 0 % but 100 % true & accurate information. 
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 2021-06-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are 10 accounts on my credit report that are not mine these are not my accounts they don't belong to me I have not applied or used these accounts. 

Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : 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 2021-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I checked my credit report and noticed Caine & Weiner reported a balance in collection of {$320.00}. On XX/XX/2021 I sent a certified letter which was signed on XX/XX/2021 with tracking # XXXX XXXX XXXX XXXX XXXX. On XX/XX/2021 I received a letter with no verification just amount due and case #. I sent a 2nd certified letter which was signed on XX/XX/2021 with tracking # XXXX. Have not received a resolution or an answer back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Recently I was locked out of my online account which is how I pay my bill. I contacted Capital one on XX/XX/XXXX on or about also contacted on XX/XX/XXXX and XX/XX/XXXX. I contacted Capital because I was unable to access my online account. I was told by the rep that I needed to submit proof of my identity along with a letter with my ss, account number. I complied with their request both times. The third time I contacted them to inquire why the online was not fixed so that I could view and pay my bill. The rep said that they needed me to send another letter this time with all the accounts listed that I had with them in the past need I say the accounts they are requesting were dismissed in bankruptcy and should not be associated in any way with my new account that they approved. On XX/XX/XXXX I had to call in and make a payment as I try to pay ahead of time, I spoke to 2 reps who say they were unable to process my payment. I then speak to a supervisor XXXX senior account supervisor. XXXX states now all of a sudden they have technical issues. This has turned into nothing but a nightmare. I do not want my payment late and credit report be affected by this issue in which I am still unclear of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
Disputed the debt with JJMarshall on XX/XX/2021 and received a letter on XX/XX/2021 stating that my dispute was lacking facts or info to conduct an investigation but the company requested that the account be reported with the CRAs as disputed

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 2021-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CO

Complaint narrative:
I was scheduled to close on XX/XX/29. We called and emailed many times to ensure everything was ready to go. On XX/XX/XXXX I was told to stop worrying and paperwork would be ready the following Monday. I was continually given excuses and told to keep waiting. I eventually called and demanded a manager look in to the situation as I was then just a few days away from closing with no final loan documents or wire transfer amount. I was later called by my title company and was told I needed to bring more cash to close to meet my minimum investment requirement. No one could tell me what this meant, including loan officer, processor or title company. Eventually the manager explained that the sellers credit for house repairs had to be used to buy down the rate. We did not want to buy down the rate but were forced to or be faced with losing our {$10000.00} earnest money which the seller could keep due to a missed closing date. Bottom line Amerisave kept final disclosures from me until a day before closing. They then changed the terms on me to force me to pay an exorbitant amount for a lower rate which we did not want. They did this at the last minute when we either had to accept their unfair and deceptive terms or be faced with losing $ XXXX in earnest money. They could not explain the delays in telling me this which eliminated my chance to switch loan companies back to XXXX who I was already approved with. They also couldnt explain what this minimum investment requirement even was as we were putting nearly 50 % down on the house.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: AES/PHEAA
State: FL

Complaint narrative:
After sending several credit dispute letters to the XXXX, XXXX  and XXXX  as well as to Fedloan who is the data furnisher in regards to the derogatory payment status on my account with claims of me making a late payment back in XX/XX/XXXX-XX/XX/XXXX. Ive sent in several request to have the information corrected to show that I never made a late payment as my account was in deferment status as well as my consumer report shows that a 90 day late payment for XXXX but I was current in XXXX which based on actual facts that numerically that is an error in the reporting of my payment history. Also there are gaps in between months in which I would like it to be filled with a payment status for the complete and accuracy reporting to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Client Services, Inc.
State: CA

Complaint narrative:
I received a collection demand letter in the amount of {$19000.00} from Client Services. I am disputing this debt it has never belonged to me. I am a victim of identity theft. I will not pay this debt of {$19000.00}, because it never has belonged to me. This account is a fraudulent account opened without my permission.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: GA

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

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 2021-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: NC

Complaint narrative:
United Wholesale Mortgage, {$25.00} bad check fee charge. 

Date happend : XX/XX/2021 Double charged for a month causing my bank account to get overdraft fees as well as giving me bad check fee. 

Called company, emailed company 4 different occasions got responses avoiding the questions and directing towards calling and emailing within 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2021 a domestic wire transfer was sent out of my account unauthorized for the amount of {$7000.00}. Leave me with about {$50.00}. I quickly called and closed the account went into the nearest branch to open a new one. XX/XX/XXXX I sent in a notarized affidavit stating I did not do the wire transfer and I did not authorize anyone else to do so. 

XX/XX/2021 I filed a police report with the XXXX Police Department. 

I called XXXX weekly to check on the case and XX/XX/XXXX I was told that I had redo the affidavit because they lost the original one. 

I was also told that the department is 30 days behind and they dont know when I will get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation