vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
To whom it may concern, We entered into a 12 month forbearance and when agreed to a loan modification after the forbearance period ended. The forbearance ended XX/XX/XXXX and we were told that our first payment will not be be due until XXXX  XXXX. When this was all agreed upon with our contact person at Shellpoint mortgage servicing, we received notification that Shellpoint mortgage servicing reported our account as 30 days late. The company did not tell us that a late payment will be reported if payment was not made in XXXX. I even asked our representative at the company and she told me that the loan modification begins on XX/XX/XXXX and no payment is due in XXXX. I have tried talking to them about this and they said that the forbearance ended XX/XX/XXXX so a late payment was reported because we didn't make a payment in XXXX even though I told our representative that she told me that no payment was due in XXXX. The explanations did not make any sense whatsoever. they said they send a letter in the mail, but I did receive any letter that confirms a late payment will be reported if payment was not made in XXXX especially since we had already worked on a loan modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I hope all is well I have called several times about the XXXX dispute for {$190.00} and the representatives keep putting it under the wrong dispute reason they are saying I dont authorize it or they gave me a credit for the shoes but neither is correct the reason for my dispute for the shoes they dont fit not the size I ordered, the box was open and damaged once received one shoe was very dirty and missing a shoe string. I really need to send these shoes back and my credit back. I have reached out to XXXX XXXX with no help. Can you please help me resolve this issue and get my credit of {$190.00} back? I dont know why the representative at CITI keep putting in the wrong dispute reason its like they are not listening. Thank for your time. Have a wonderful day and please be safe.

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 2021-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
My account with TD Bank kept getting {$15.00} fees charged to me. After I contacted the management they informed me that if I kept over {$100.00} in my account there would be no fees. charged. I spoke with the manager at the XXXX MD branch and they reversed one of my three {$15.00} fees. The very next day after my account was credited they took another {$15.00} from my account on XXXX. They said no matter how much money I put into my account they would take another {$15.00} from me. It's automatic. The reason my account dropped below {$100.00} was due to them taking out the fees. This is a never-ending cycle. I lost over {$45.00} from their aggressive bank practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
A company by the name of Jefferson Capital Systems , LLC contacted me and informed me that I owed {$360.00} in unpaid debt. I am unaware of this debt or the account to which it is linked. The account is fraudulent, and I've placed a fraud alert on my credit report as a result of things appearing in my name that I'm not aware of. This collector has been harassing me about this account for weeks, and I've already stated that I do not know the account in question, nor did I open or operate it. Please help me with this because I've never owned or operated the account they're looking for. They are stating that they contacting on behalf of XXXX but I've reached out to XXXX countless times about the account in question and reported to them numerous times that the account is fraudulent and that the account is operated does not belong to me also that it is a fraudulent account and my notifications were ignored countless times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MO

Complaint narrative:
JEFFERSON CAPITAL SYST Original creditor : XXXX XXXX XXXX {$9200.00} This isnt my debt and this account been on my credit for 7years

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Capital One locked my account due to VPN usage as they thought I was somebody else. I proved my identity and explained everything. They responded by shutting down access to my accounts and all my funds. I have repeatedly contacted them over the course of three weeks but they continue to refuse to tell my anything about my account and just continue to tell me that somebody is working on it, its obvious theres nobody working on it. I can not access any of my funds nor even login to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: WA

Complaint narrative:
There are XXXX duplicate accounts open on my Trans Union and XXXX XXXX XXXX by XXXX XXXX XXXX agency with the same account number and XXXX different amounts. I disputed them but the somehow the credit reporting agency 's determined they were valid? Not sure how that could be? The original account was opened on XX/XX/XXXX account # XXXX in the amount of {$450.00} dollars. The second account was opened on XX/XX/XXXX account # XXXX in the amount of {$460.00} dollars. I disputed these accounts again before sending you this complaint. Although as usual XXXX is having problems with their website. They need to be closed down there is nothing but problems with them. Please have these accounts removed. The credit reporting agency 's should not be able to get away with this. Please protect my rights as a consumer.

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 2021-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX I notified Equifax to remove a old consumer statement from XXXX on my record and they say it will be removed within 72 hours or less it is now XX/XX/XXXX and the Consumer Statement is still on my Account after requesting 7 Times for the Consumer Statement to be removed! I need urgent assistance from the CFPB to completely Remove the Consumer Statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX Original creditor : SANTANDER CONSUMER USA {$9200.00} This isnt my debt and this account been on my credit for 7years

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
A company by the name of XXXX XXXX XXXX XXXX XXXX contacted me and informed me that I owed {$360.00} in unpaid debt. I am unaware of this debt or the account to which it is linked. The account is fraudulent, and I've placed a fraud alert on my credit report as a result of things appearing in my name that I'm not aware of. This collector has been harassing me about this account for weeks, and I've already stated that I do not know the account in question, nor did I open or operate it. Please help me with this because I've never owned or operated the account they're looking for. They are stating that they contacting on behalf of PayPal but I've reached out to Paypal countless times about the account in question and reported to them numerous times that the account is fraudulent and that the account is operated does not belong to me also that it is a fraudulent account and my notifications were ignored countless times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft, unauthorized inquiry reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I contacted the creditors about these inquiries over a month ago and they never resolved the issue or complied with my request at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: IL

Complaint narrative:
I have obtained my consumer credit report and I have noticed that there is bankruptcy reporting. I have disputed with consumer reporting agencies through phone call and through mail. I was instructed that it was furnished through the court and XXXX XXXX. After contacting them both, the court responded on XX/XX/2021 that they dont report to any credit bureau and on XX/XX/2021, XXXX XXXX responded that they have deleted the bankruptcy from my file after my dispute. I have already sent proof to all 3 consumer reporting agencies through certified USPS mail.

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 2021-09-27 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: KS

Complaint narrative:
I have been trying to get equifax to fix this information on my consumer report since XX/XX/XXXX and they refuse to investigate it or even fix it. I entered into a consumer transaction back in XXXX and the account has been paid and in good standing. But on my report it is showing completely wrong. It is showing, an Open collections account, in a derogatory status, but also Paid In Full. This incorrect Information is really hurting my credit and causing me stress. It is going to fall off of my credit report in XX/XX/XXXX but it has been reporting inaccurate for 7 years. And when i tried to get Equifax to update it they completely ignored me. XXXX and XXXX deleted it because they knew it didn't meet FCRA requirements, so how can equifax knowingly and willfully report this false information to hurt my credit and stress me out?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: MoneyLion Inc.
State: TN

Complaint narrative:
I got a loan with MoneyLion about three years ago and forgot about it since then. They have closed it and charged the data off and reported it on my credit report every single month for the past three years. 29 derogatory marks. I called today and tried to speak with somebody about paying off the lien and getting a XXXX balance letter. I recorded the phone call and in the phone call the man said that he could not send a XXXX balance report. He said that he had to go through MoneyLion procedures. I explained to him that he can not do that because there are certain consumer financial protection laws that do not allow moneylion to handle these things for them selves. He then admitted to breaking consumer financial protection laws on recording, then hung up on me. They will not answer my calls. They will not allow me to pay the balance. There are no loan documents either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I got a loan with XXXX about three years ago and forgot about it since then. They have closed it and charged the data off and reported it on my credit report every single month for the past three years. 29 derogatory marks. I called today and tried to speak with somebody about paying off the lien and getting a XXXX balance letter. I recorded the phone call and in the phone call the man said that he could not send a XXXX balance report. He said that he had to go through XXXX procedures. I explained to him that he can not do that because there are certain consumer financial protection laws that do not allow XXXX  to handle these things for them selves. He then admitted to breaking consumer financial protection laws on recording, then hung up on me. They will not answer my calls. They will not allow me to pay the balance. There are no loan documents either.

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 2021-09-27 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: IL

Complaint narrative:
I have obtained my consumer credit report and I have noticed that there is bankruptcy reporting. I have disputed with consumer reporting agencies through phone call and through mail. I was instructed that it was furnished through the court and XXXX XXXX. After contacting them both, the court responded on XX/XX/2021 that they dont report to any credit bureau and on XX/XX/2021, XXXX XXXX responded that they have deleted the bankruptcy from my file after my dispute. I have already sent proof to all 3 consumer reporting agencies through certified USPS mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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 2021-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Resource Systems, Inc
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX believes I owe them medical debt. I assert that I do not and communicated this to XXXX XXXX XXXX. XXXX XXXX hired United Resource System, of XXXX, CO, to collect on its debt. United Resource System never contacted me but simply listed its account on my credit report in violation of the Fair Debt Collection Practices Act. Had they contacted me, as the law requires, I would have formally disputed the debt. I need United Resource Systems to please immediately remove its entry on my credit report and come into compliance with the Fair Debt Collection Practices Act.

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 2021-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I WAS PUT IN A PREDATORY LOAN .I DIDNT RECEIVE FIRST TIME HOMEBUYERS. OR ANY TYPE OF FIRST HOME ASSISTANCE .SO DUE TO BANKRUPTCY RECENTLY .WELLS FARGO PUT ME THROUGH THE PROCESS OF ALL THIS PAPER WORK .GIVING PERSONAL INFORMATION TO DENY ME A LOAN MODIFICATION.WHICH EVEN CAN INCLUDE., MODIFYING THE BALANCE LEFT ON THE LOAN TO A LOWER AMOUNT.I LIVE IN A HIGH CRIME AREA.AROUND BLITTED PROPERTY.I HAVE BASICALLY ALL READY PAID OFF THIS LOAN.I HAVE BEEN WITH WELLS FARGO SINCE XXXX.I HAVE MADE ALL MY PAYMENTS ON TIME I HAVE NEVER MISSED A PAYMENT .EVEN WHEN MY INCOME CHANGED.I APPLIED FOR THE MODIFICATION TO GET THIS PROPERTY AMOUNT REDUSED.EVEN TRYING TO TALK TO THIS COMPANY ABOUT A LOAN SETTLMENT. WELLS FARGO SAID THEY WOULD TAKE ALL THIS INTO CONSIDERATION.I FEEL LIKE MY LOYALYTY AS A CUSTOMER HASNT BEEN APPRECIATED.I ALSO FEEL DUE TO THEM DENYING ANY TYPE OF MODIFICATION MY ASKING FOR A REDUCED BALANCE AMOUNT WASNT TAKEN INTO CONSIDERATION.

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 2021-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: AR

Complaint narrative:
This company submitted infomation abbout a medical debt on to my credit reports and I did not give any one persmission to disclosure any or all parts of my medical information. 

RMP SERVICES LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capitol One Auto Finance violated all of the below noted laws under the Fair Debt Credit Reporting Act : 15 USC 1692b ( 2 ) 15 USC 1692b ( 5 ) 15 USC 1692d ( 1 ) 15 USC 1692d ( 4 ) 15 USC 1692c ( a ) through 15 USC 1692c ( a ) 1 15 USC 1692e ( 2 ) ( A ) 15 USC 1692e ( 4 ) 15 USC 1692e ( 7 ) and 15 USC 1692e ( 12 ) 15 USC 1692c ( b ) 12 CFR Part 1026.23 ( b ) 1 They additionally illegally seized my property:2019 XXXX XXXX XXXX They shared my information with multiple third-party companies ; one by the name of XXXX XXXX XXXX- XXXX XXXX XXXX ( XXXX ) XXXX which they used to aid them with the illegal seizure of my property without my permission and have subsequently sent harassing letters which include a " Notice of Negative Credit Report '' specifically violating 15 USC 1692d. This additionally is a violation of 15 USC 1681b ( a ) ( 2 ). They are continuing to harass me causing immense stress to myself and family by reporting false/misleading information to the following consumer reporting agencies : XXXX, XXXX and XXXX by posting the alleged debt of over {$25000.00} not including erroneous fees to the third party companies mentioned above. This is an infringement upon my " Right To Privacy '' pursuant to 15 usc 1681 ( a ) ( 4 ). From the first communication from the company they violated the FCRA including never sending proper notice to rescind within the timeframe applicable by law. This matter resulting in lack of transportation has caused great strain to myself and my children as I have been unable to efficiently aid my XXXX daughter with her medical care and/or attend hiring events for potential employment after being severely impacted by the pandemic. The above noted infringement on my privacy additionally impacts me from potential employment and ability to acquire transportation as it negatively impacts my reputation. 
I have sent a Statement of Facts letter to the company by certified mail and have not received any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: LA

Complaint narrative:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section XXXX  ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see XXXX XXXX XXXX  et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the XXXX XXXX XXXX Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation