vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: RI

Complaint narrative:
I am in the process of selling the home that I originally financed in XX/XX/XXXX under Guaranteed Rate. The servicing rights have changed hands twice ( Shellpoint then New Rez ). In XX/XX/XXXX, I refinanced for a small payout to make some final repairs so that I could be ready to sell this fall. The payoff documentation to discharge the original mortgage has not been filed with the Town of XXXX XXXX so, as part of the closing process, my attorney has been trying to get the document faxed to his office ( for about 2 weeks ). It is now 3 days before my closing and we still do not have the document. I tried calling New Rez and have been told part of the loan release process was not completed and they will " let me know '' when they can have it done. This could delay or disrupt my closing and cost me nearly {$80000.00} in proceeds. Not to mention, my buyer has already sold her house and needs to move in.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
A prior rental I had in XXXX sued for non payment of rent. I had paid rent up for 6 months prior and during my 6 months of paid rent did not have hot water. I made numerous complaints to the office, XXXX XXXX XXXX department and code compliance between XXXX. They were sighted multiple times. Upon 6 months paid with no hot water and no signs of improvement I did not pay rent. The case was taken to court for non payment. I appealed the decision and on XX/XX/XXXX were were heard in XXXX XXXX by Judge XXXX XXXX who not only agreed with me but awarded judgement in a split favor. I would move but only be held responsible for a total amount of XXXX and {$770.00} from the appeal of rent during the safety of the paupers act. He advised the current landlord that would be the sum ( {$1100.00} ) of what she was able to collect. However she walked out of the court and threatened me that she would claim as close to {$10000.00} against my credit as she could. Which to date she has continued to attempt and hold my credit hostage for {$6600.00} I contacted the company multiple times and have disputed the information with no success. I was unable for several months in XXXX to even file a dispute against the company during Covid19.I have all my court documents including but not limited to the false documents she reported to the credit bureau after the case was legally closed out and judgement in the amount of {$1100.00} was granted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Acceptance Corp.
State: MO

Complaint narrative:
On XX/XX/XXXX a judgment was filed under case number XXXX from MIDWEST ACCEPTANCE for XXXX which included Principal, interest, attorney 's fees, court costs and process server fees. The first garnishment came out of my check XXXX XXXX XXXX on XX/XX/XXXX to XX/XX/XXXX totaling {$14000.00}, which that means they owe me the difference of {$2200.00}. Per case net it shows that Balance due as of XX/XX/XXXX was {$0.00}. After this judgment had been met including all the interest payments Midwest Acceptance and their attorney 's office came back on XX/XX/XXXX for a judgment amount of {$4500.00} in which they garnished out of my check on XX/XX/XXXX {$280.00} and will continue until this predatory collection activity STOPS! Also, they sent certified postal mail to an address we never lived at a day in our life XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX, MO XXXX. This judgment was previously satisfied then when I called on Monday, XX/XX/XXXX they said it was interest payments however the interest was paid that was included in the original judgment amount. Midwest Acceptance is also garnishing my wife 's checks XXXX XXXX XXXX for the same vehicle when the judgment was previously satisfied by me, when she had a order of dismissal to dismiss without prejudice at Plaintiff 's costs. Also they never put in the system SATISFACTION OF JUDGEMENT BACK IN XX/XX/XXXX when the Balance had been met. My wife 's judgment was filed on XX/XX/XXXX in the amount of {$9600.00}, which also included Principal, Interest, attorney 's fees and court costs. This garnishment started on my wife 's check XX/XX/XXXX and so far has collected a total of {$800.00} now making the difference of what is owed to myself XXXX XXXX XXXX and my wife XXXX XXXX XXXX {$3000.00}. This is definitely predatory and they are not doing anything to stop collection activity. This has really been damaging to our credit and has caused punitive damages as well and we won't our money back and garnishment activity to cease. PLEASE HELP!! 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
my name is wrong and there is 1 previous address that is not mine I never lived there see XXXX XXXX for explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Corporation
State: SC

Complaint narrative:
I have contacted this company several times in regard to an unknown account they have placed on my credit. I do not know what the account is for. I was never contacted about the debt before it was placed on my credit. I discovered it while reviewing my credit report. I have not heard back from the company Receivables Management Corp- however they bureaus have come back and said the company has verified to them the account belong to me. Again- i have no knowledge of account number XXXX in the amount of {$3800.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
my address is not correct the apartment number is not listed correctly and there is a previous address listed that is not mine I never lived there

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 2020-11-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My loan is years old, i have been making payments on auto draft yet my loan servicer does not have information on their accounting system that reflects auto pay. However, even with auto pay, I am being charged late fees of close to XXXX  dollars every month. j their accounting system should be audited. I have attempted to pay the outstanding fees ( even though they are fraudulent against my account ) but somehow I keep getting fee 's added to my account, monthly. 

This loan has spanned a 20 plus year payment and yet I keep getting fees charged to my account. I want whoever is allowed to audit my account and that company. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I noticed that my most recent credit report contains a late payment reported on XX/XX/2018 for my CAPITAL ONE, N.A. account. 
Because of my exceptional payment history over the last 11 years, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was in the process of changing jobs. I say that not to justify why the payment was late, but rather to show that the late payment are not a good indicator of my actual credit worthiness. I hope that CAPITAL ONE, N.A. is willing to work with me on erasing this mark from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: AFNI INC.
State: NY

Complaint narrative:
There are 2 fraudulent collection accounts on my credit. XXXX XXXX AND AFNI. I didnt open these accounts nor did I authorize anyone to open these accounts on my behalf. Please remove these 2 fraudulent accounts from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XXXX XXXX, 2019, AMEX add a hard inquiry on my credit report per XXXX. 
On XXXX  XXXX, 2019, XXXX/XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
This complaint is my final request for your cooperation and, alternatively, to let you know of a pending suit. The amount stated in the lawsuit is at {$54000.00} ( the amount of credit loss resulting from Capital One 's actions ). This communique is likely over the initial reader 's paygrade, so you may want to refer this to someone higher. 

I will meet with my legal counsel on XX/XX/XXXX to determine the final dollar amount/Attorney Fees and if XXXX XXXX should name on the summons ( or someone else ). Perhaps you can give me to the person 's name who should be on the subpoena.

Summary : Capital One, unreasonably and without warning, locked my new accounts before I could copy my account numbers ; As a result of Capital One 's unjust actions against me, I have been unable to make credit card payments to Capital One for several months. Irreparable damage to my credit rating resulted from Capital One 's rash actions. I worked diligently to maintain an excellent credit rating in the 800s ; now, due to Capital
One 's unfounded suspicions of fraud, I have dropped to a poor XXXX rating. Furthermore, multiple credit cards reduced my credit limit or closed my accounts due to the low rating. Also, I have had no access to my savings account for several months. Promises to unblock it failed.

I am not going to restate this case in detail. You can refer to case # for the details. Re : Account ending in XXXX, Capital One Cases : XXXX, CFPB Case : XXXX. 

I have made multiple attempts to mediate and resolve this problem with Capital One ( but failed ).

As requested, I call Capital one ( over ten times ) to explain and resolve this, to no avail.

( Each time I called, I had to retell the complex problem to which your staff could do nothing. You've been wasting my time by having me call you. ) I wrote two letters, one certified, to which I received no response, not even an acknowledgment : other than to say you misplaced or lost it I have filed two complaints with FCPB. Your response was vague
and ignored the issues. ( This being my second and final attempt to resolve this out of court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
We had a first and second mortgage with GMAC and in XXXX we negotiated a loan modification on both loans. We were making payments on both loans at the time. 
In XX/XX/XXXX our first was moved to OCWEN Loan Servicing, LLC, which appeared to be in advance of GMAC closing. In XX/XX/XXXX we requested and received a second loan modification on our 1st mortgage through OCWEN. 
During this time, ( between XXXX and XXXX ) we stopped receiving statements concerning our second mortgage, we called GMAC and we were told our 2nd mortgage was written off by a GMAC representative over the phone? 
We continued making payment on our first, but were unable to locate or pay someone for our second so we assumed that this write-off was part of the XXXX loan modification. Since then our first has moved to XXXX XXXX and now XXXX XXXX, XXXX. 

We assumed that the write-off was true because the 2nd is currently not on my credit report, although the transfer of our first mortgage to OCWEN to XXXX to XXXX are all listed back to XXXX? We now understand a mistake was made by GMAC or us but being charged interest and penalties ( late fees ) for a loan that was not being serviced is unfair. 

We were surprised when several years later ( late in XXXX XXXX a company named XXXX XXXX, XXXX called about the 2nd mortgage and told them that GMAC told us that it had been written off and they stopped calling? 

Now - 2nd Chance Mortgage trying to collect on this old debt, sent one request to bring this debt current in XX/XX/XXXX and we responded in XX/XX/XXXX that we were under the impression that this loan was written off several years ago and their subsequent response in XXXX was " no '', and with that answer we received a notice of foreclosure within a few days. I hired an attorney to attempt to negotiate a remedy and they refused any offer to compromise on this debt. It appears 2nd Chance Mortgage uses this foreclosure technique to scare people to collect on these old debts and also collect on what they call accrued interest and penalties which they have not earned? It appears that 2nd Chance Mortgage has been lying in wait until property values improved and now are holding people like us hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: Conn's, Inc.
State: TX

Complaint narrative:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Paid in full XX/XX/12 Sent check and cashed

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 monetary relief
Consumer complaint received 2020-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

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 2020-11-27 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XXXX XXXX credit monitoring service has notified me that there was a credit inquiry on my Experian Credit Report dated XXXX/XXXX/2020. It was from the US Small Business Administration ODA. I have not applied for any loans or credit through the SBA and am concerned that this may be fraudulent activity involving my identity. I have been in contact with Experian and they have a fraud alert in place. I have also filed a report with the SBA-ODA division. 
Thanks for your help in this matter.

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 2020-11-27 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: FL

Complaint narrative:
On XX/XX/2020 I 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 demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I 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 demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

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 2020-11-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2020 I 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 demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

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 2020-11-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I used my Capital One credit card to purchase XXXX tickets on XX/XX/2020 for {$620.00} with a 100 % cash back guarantee understanding upon purchase if event cancelled for any reason through XXXX Upon purchase my tickets were transferred digitally to XXXX where I have an account. Later the event was cancelled. XXXX showed my tickets as voided. I contacted XXXX and they said for me to contact XXXX as they had no affiliation. I contacted XXXX but their telephone line was inoperable and so was their email which only returned a non-operating domain response. I reported dispute to Capital One. They said they contacted XXXX via the banking system who claimed I had received a " coupon refund. '' The coupon does not show up on XXXX and there is no account or the possibility to have an account at XXXX. Again it is impossible to communicate with XXXX. Capital One asked me to submit my supporting documentation. My documentation provesXXXX is running a fraudulent organization. I submitted over 20 pages of documentation including XXXX and XXXX  reports of extensive complaints similar if not identical to mine against XXXX. Despite all my documentation Capital One is refusing to reimburse me and by ALL evidence is aiding and abetting XXXX in their continuing fraud on the public.

Company response to consumer: Closed with explanation