vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
I submitted a complaint bc I keep receiving emails from Caliber Mortgage that states my mortgage payments are applied to another address. Ive forwarded the emails to my loan officer who has tried to rectify the situation. I will continue to submit complaints, until they acknowledge and correct the issue : below is a cc of what I receive every month. I do not live or hv ever lived at the address below. 

Thank you for your recent payment! 

Confirmation Number : XXXX Property Address : XXXX XXXX XXXX, XXXX, PA XXXX XXXX Account Number : XXXX Your Bank Account or Card # : XXXX Below is a summary of your one-time payment to Caliber Home Loans , Inc . Please keep this confirmation for your records. 

Scheduled Payment Date : XX/XX/2021 Payment Amount : {$1100.00} Total : {$1100.00} Note that payments may not post to an account the same day as scheduled when submitted after XXXX CST, Monday through Friday. If received after the cutoff time, the payment will be processed the next business day. 

If you have questions about this transaction, please contact one of our Customer Service agents at ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: Shellpoint Partners, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX my bill for account SHELLPOINT MORTGAGE SVC, XXXX XXXX, XXXX did not go through when it was on the auto-bill in the bank XXXX XXXX. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One is reporting an erroneous account on my credit reports with XXXX, XXXX, and XXXX. I have attempted to dispute the account with the credit bureaus along with Capital One directly but they have ignored my request. This is a violation of the Fair Credit Reporting Act and I demand the account be removed because of this. I have attached the latest letter sent to Capital One along with the Certified mail slip confirming that Capital One received my letter. 

CM to Cap One XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: NC

Complaint narrative:
I am having major issues with my name and addresses on my credit profile. My CORRECT NAME IS : XXXX XXXX XXXX please delete remove any other variations of my name. I have a few addresses that I never lived at on my credit file they are fraudulent addresses, please delete : PO BOX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX LOT XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX My current and only address is XXXX XXXX XXXX XXXX NC XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I traded in 2018 XXXX  to XXXX XXXX XXXX in XXXX PA before the 30 day late period for the XXXX payment was required. The dealership was negligent and failed to submit the payoff letter to Capital One in a timely manner. I contacted both Capital One and the dealership to rectify the situation and was assured from both parties that NO negative impact or derogatory marks would be filed and appear on my credit report. They did report me late, and the account balance is {$0.00}, so that simply can not be possible. You can't be late on a {$0.00} payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I opened a CASHAPP acct for small transactions, and after a week thieves hacked my acct and fraudulently withdrew XXXXXXXX dollar withdrawals from my Cash App acct when there was only XXXX in there. Apparently there are no steps to prevent thieves from accessing my account that was linked to my cash app acct. My XXXX  XXXX XXXX checking acct was linked to cash app for deposits. I don't know how the fraudsters hacked without my present phone number, but there was an old number that was listed on my complaint to cash app which is no longer in use and is not live, so they could not get a text to verify it was me. I did not know the two parties who extracted funds from my acct, and I did not approve anything as I didn't know that they could hack past my XXXX dollar balance to get to my bank account that was linked? 

Cash app has NO HUMAN resources to file a dispute or complaint only, using the app itself, then you get an email, which can not resolve any real disputes. My bank gave me a temp credit and cash app said that the money was refunded?? Well ; whatever acct they refunded it to was NOT MINE. XXXX took the funds back on a credit reversal? I still have been a victim of XXXX dollars US and want my money, so I can close the cash app acct. Please help, P.S. I know of many others who have had the same issues as well as hearing this form the XXXX Rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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:
Over 1 year ago and 30 days ago, I sent a letter. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SC XXXX account # XXXX they have been reporting on XXXX  and Transunion that I have an account with them that was charged off. I have never owned or asked for any loan with this company. I have repeatedly asked for XXXX and Transunion to remove it and it comes back as verified as accurate, which is not. I also sent them a letter, but they never responded.

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 2021-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
NAVIENT is attempting to collect a debt of {$8600.00} for " Personal Loans ''. This debt is from identity theft and is not mine. The debt entries should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I received a credit monitoring alert of a collection agency Sequim Asset Solution having a collection to my experian credit report with a delinquent dated XX/XX/XXXX. I have contacted the company and spoken with XXXX XXXX XX/XX/XXXX and explained that I wanted this debt verification because the address provided I have never lived in XXXX Florida and need copies of correspondence. He hung up the phone twice and today I received another notification that this same company has also added the same collection to my XXXX  credit report of {$1200.00} with a date of first delinquent XX/XX/XXXX I called again and spoken with XXXX and let her know I do not own this debt and I need verification and wanted this debt correspondence to file a report she took my post office box address and says my correspondence will be in the mail within 7 to 10 days. I asked since I were disputing this debt and asked for this to be removed until this debt is resolved. XXXX says the debt can not be removed. Like I listed previously I have been with my current cell phone carrier over 9 years this debt is nothing that the law would allow to listed on my credit. I ask XXXX if I can have the original creditor 's name and number she gave me the name XXXX XXXX XXXX cellphone company and says I would have to look up the number myself. If this original company she says sold it to them wouldn't that information be available. I know that something unlawful credit reporting is happening and my credit is taking a hurting because of this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
The leased vehicle was traded in and XXXX has confirmed that it is paid off however they refuse to update all 3 of my bureaus to reflect a XXXX  balance and a XXXX  payment.

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 2021-01-21 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: NE

Complaint narrative:
The leased vehicle was traded in and XXXX has confirmed that it is paid off however they refuse to update all 3 of my bureaus to reflect a XXXX  balance and a XXXX  payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/XXXX I paid the balance on my CARE CREDIT account of {$38.00}. 
On XX/XX/XXXX I was informed that they have closed my account. 
I called and spoke to a Representative then to a Manager about the Closing of my account. Both told me that their electronic system periodically checks the credit status of the accounts. My account was deemed unfit, so it was closed. I explained that I have had this account for the past 4 years and have always paid my bill. I do admit that I had missed a payment but always paid the following month due to financial situations. I explained that I only use this card for my dog 's Vet bills. 
This action also has affected my Credit Score which I am trying to repair after some difficult years financially. 
I was told there is nothing that I could do to reinstate 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 2021-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Block, Inc.
State: MD

Complaint narrative:
I received a CashApp debit Visa card in the mail. I did not request this card. I found a phone number for CashApp but it is strictly an automated system. There is no real person available and no way that I could find to tell them about a fraudulent use of my information. Through an online search I found that XXXX XXXX  is often the bank source. I called the bank. They told me to call Cash App. I found another number for the bank and again was told to call Cash App. I pointed out that they issued credit of some kind since there was an account number on the card. They took that information but that's it. I'm am not really sure they canceled the account. In the past 5 months I have had several attempts to use my identity to open credit cards with my information. I was told by XXXX that since it is a debit card, it doesn't not go through the credit reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
PMI has not been removed and I have requested multiple time they also automatically approved me for Forbearance even though I only inquired about the process but did not request and they immediate approved me when i requested to have it removed this seems deceitful and misleading very unfair for a XXXX XXXX man to go through this seems like they are trying to find ways to not remove PMI when qualified to continue willfully charging and not terminating I wonder if they do this on all XXXX to upcharge and not remove PMI if qualified i believe they may be taking advantage and this is misleading and deceitful

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
on XX/XX/2021 at XXXX, CDT, I attempted to retrieve my 3 credit reports via XXXX. I was able to successfully retrieve my report from XXXX. I received errors when requesting XXXX and Experian reports. 

Next, I spent 8.5 minutes using the telephone request system and It accepted the XXXX request but before it got to the Experian request, the system ended the call. 
I tried online again at XXXX XXXX and was finally able to receive my XXXX report but the system failed to process my request for the Experian report. Finally, I tried again to retrieve the Experian report at XXXX XXXX and I received the same error message as in the previous two online attempts : We're sorry. A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX  Request form. 
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX With the amount of mail theft occurring today, I can not imagine send my request ( with social security number ) or receiving my report by mail. 

Please investigate Experian 's inability to deliver credit reports via the online system at XXXX XXXX XXXX Thank you, 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 non-monetary relief
Consumer complaint received 2021-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I will like to report the unethical practices of PNC Bank and how they deliberately re-arranged and backdated my transactions in order to charge fees to my account. My account was charged and debited multiple times and I called my branch and Customer Service over 7 times to complain. They escalated to the Executive Escalation Department and I even wrote twice to Ms. XXXX XXXX and left 5 messages. She eventually spoke with me and was totally unhelpful, claiming that the bank was right in charging me. Her attitude was that there was nothing I could do since it's just me against a big company! She arrogantly told me to go ahead and escalate to the authorities. 
I had funds in my account as at XXXX XXXX, XXXX and I did 3 transactions with a positive balance of {$3.00} at the end of the day. On XX/XX/XXXX, 2 payments hit my account and before I could deposit more funds into it, PNC charged me overdraft fees 5 times for the 3 transactions I did the day before plus the 2 new ones! That is $ XXXX {$180.00}. This is so very fraudulent and unethical! I had a positive balance as at end of day on XX/XX/XXXX. 
I have attached relevant receipts and account activity reports. 

Also, on XX/XX/XXXX at XXXX, I got an alert from PNC Bank that my account was overdrawn by {$54.00} due to a payment. I deposited {$200.00} CASH through a PNC ATM at XXXX on the same day. PNC deliberately kept my cash deposit pending from XX/XX/XXXX to XX/XX/XXXX and proceeded to charge me {$36.00} as overdraft fees! I called Customer Service again and they said they couldn't do anything about it! 
It is so totally unfair for the bank to defraud its customers this way. There was no reason to pend my cash deposit for TWO DAYS, especially since I used a PNC ATM. Even their overdraft alert notice states clearly that you can make a cash deposit through their ATM to avoid any fees. 
PNC Bank can program their system to debit customers in a chronological order. Transactions should be posted as they occur instead of re-arranging transactions to ensure that customers accounts can be charged unnecessarily for overdraft fees. PNC sends account balance transaction alerts after every transaction, so how come they send one balance to customers and claim that there is a different balance in their system? This is just an excuse for their malpractices. The same system can not be showing multiple balances unless it is deliberately rigged to ensure that unsuspecting customers are charged fees fraudulently! 
I am requesting that my complaint should be investigated and the bank should REFUND all the fraudulent fees they charged to my account. The bank officials feel that they are too big to be reported or to get consequences for their unethical behavior. Please intervene. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a joint credit card with another person thru wells fargo bank, this other person had a problem with this band and closed all his accounts and they closed the credit card, they didn't consult me or inform me of them closing this credit card, I placed a call and they told me there was nothing that could be done. even though all the charges on this credit were not mine, I continue paying on the credit on time, there was never a late on this account for the past year or so. 

On XXXX the XXXX of XXXX, I tried logging on to my online banking at wells fargo to make my usual payment towards this credit card and discovered that the account had been removed form my online banking, without any notice whatsoever. I call and was send over to the bankruptcy department. they refuse to give any information. I kept calling to get information on the account until finally on XX/XX/XXXX I was able to get information form the credit card department. they told me that the account was in charged off and she couldn't access the account. I responded that I needed to make a payment on the account and I didn't wanted to be late. she gave me an address and told me to send the payment there. at that point didn't want any more problems with this credit card and I manage to put enough money together to pay it off, and I did I send them the whole amount and paid it off completely on XX/XX/XXXX. 

Until today the account still shows delinquent and charge off on my account. every time I contact wells fargo they tell me there is nothing they can do. I want as far as requesting a credit report from XXXX on this account and it shows all payment where made on time. 

My credit score before this problem was in the mid 700 and know is in the mid 600. this problem is affecting me greatly and I want all this removed from my credit report, because all the information that wells fargo reported is totally incorrect. 

I was in the middle of purchasing a home and know I had to put everything on hold because of wells fargo not reporting information correctly.

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 2021-01-21 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: Nelnet, Inc.
State: CA

Complaint narrative:
I have a Federal student loan that I received from my XXXX school that was eligible for forbearance. The company did not give me forbearance. I would like my interest back that they charged me during the period and a refund my payments made during that period. I would like the interest and payment refunded for XX/XX/XXXX - XX/XX/XXXX ( present day ). 

The servicer is Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
I sent in a debt validation letter and a cease and desist letter XX/XX/2021. 

The company replied XX/XX/2021 that they are unable to complete there investigation into my dispute because it was missing critical information needed to find my account. The company told me to resubmit my request with primary account holders name, previous mailing address, account number or social security number, and customer signature. 

XX/XX/2021 I resubmitted my request with a debt validation letter and a cease and desist letter with the required info to find my account. I added my previous address along with my social security number and my signature. 

The company replied XX/XX/2021 with the same exact response as the previous letter. Stating ... that they are unable to complete there investigation into my dispute because it was missing critical information needed to find my account. The company told me to resubmit my request with primary account holders name, previous mailing address, account number or social security number, and customer signature.

Company response to consumer: Closed with explanation