vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-12 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: NY

Complaint narrative:
This account has already been paid ( Attachment on file ) and currently being reported as a collection. Which is a violation of my rights according to the FCRT. Please, update to closed or delete as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Mortgage is our former mortgage lender. In XXXX of XXXX we put our home on the market in XXXX Oklahoma. I called Wells Fargo Mortgage prior to putting the home on the market to get a payoff amount. The payoff amount that I was quoted was {$150000.00} for which the XXXX XXXX wired that amount to Wells Fargo on XXXX. I have been checking my Wells Fargo account since XXXX to see when they apply the payment and to date, the payment has not been applied to the account. My mortgage account balance that shows on my account as of XXXX is {$140000.00} which is {$6200.00} less that what we paid them to pay off our mortgage so in my estimation, we overpaid Wells Fargo {$6200.00}. I called Wells Fargo on Monday XXXX and after being on hold for 48 minutes and being disconnected 3 times, I finally spoke to a XXXX XXXX XXXX and she stated that we still owe approximately {$2500.00} more in order to close the account and the account will stay open until the money is received. She said that the payoff quoted by Wells Fargo was incorrect and didn't include insurance fees. She said by not paying the balance due will effect our credit scores. I feel as if there is a scam going on at Wells Fargo and there is no one other than XXXX XXXX to speak to. PLEASE HELP. There is no where that states that we owe Wells Fargo more money. They have never contacted us stating that there is still a bfalance on the account. The attached Payoff letter states that the payoff amount if {$150000.00} is good through XX/XX/XXXX and the wire was transmitted on XX/XX/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 2021-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
My Mortgage Company, PHH Mortgage, Loan # XXXX lists paying my taxes from our Escrow account on XX/XX/XXXX. For {$1700.00}. 

However, the Town of XXXX Massachusetts still has not received that payment. I paid the taxes directly to avoid being in arrears.Taxes were due on XXXX XXXX. 

On XX/XX/2021 I faxed the Tax Department at the mortgage company with backup documentation. Since they say they may take 30 days to complete inquiries I waited 30 days. 

I have not heard from them. And because they say they paid out in XXXX when they refunded my escrow overage this amount was not included.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
This is not my account they keep trying to collect for NCA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AmeriCash Holding LLC
State: IL

Complaint narrative:
The calls started recently. I defaulted out of my payment plan of $ XXXXmonth due to a stolen debit card, which is where the payments were deducted. I took out an emergency loan of {$320.00} back in XXXX of 2019. I was told that my balance was {$610.00} which is a 52.78 % interest rate. The representative, XXXX XXXX at extension XXXX has been calling me and talking to me in a forceful way and threatening legal action against me such as XXXX wage garnishments, never deducted the payments that were already deducted. ( I no longer work with XXXX. ) Mr XXXX has been so forceful in tone and language, I can barely stay on the phone with him to negotiate the settlement. Also, I was given an ultimatum of wage garnishments or biweekly payments of around {$70.00} for 3 months at a {$400.00} settlement. The settlement should be lower since Ive already made payments. Ive seen many people with {$4500.00} to {$10000.00} loans get treated with more respect. I called on Wednesday because I actually would like to remove this toxic debt. I still received a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: MD

Complaint narrative:
I contacted Experian today XX/XX/XXXX and was transferred 4 times. After the 4th time XXXX from Special Services  transferee me XXXX Integrity Team whom I explained I kept being transferred. I asked why they are repairing fraudulent inquiries on my credit report not made by me she told contact the company. I have therefore it states if there is suspected fraud contact Experian. They have been no help. This credit reporting agency is the most hardest unprofessional unlawful biding company. She continued to go back and forth with me and put me on hold 1hr and 15 minutes and hanging up. Also today I find out right after this my score drops 43 points because I paid off a trade line? What the heck? I suspect fraud! 
On top of this they are reporting inaccuracies still after letters and FTC copying on letters. They reported my trade line that was paid off in full on time by lender was late as well? XXXX was playing games on the phone not helping my fraudulent activity on my account she claimed to file a police report - the law doesnt require a police report on inaccuracies. Also they website states if theres unknown charges or inquires to contact them as I did! 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 2021-02-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I opened an account with BBVA XX/XX/2020 and the advertisement read Open a checking and receive XXXX and savings XXXX. I received XXXX total. This is a deceptive practice to advertise one thing and provide another.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: SD

Complaint narrative:
My house is on foreclosure and I wanted to get help from my lender because I dont want to lose my house but after calculating my missed payments I should be behind by only $ XXXX. The bank seems to have added $ XXXX in fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CARD Corporation
State: MI

Complaint narrative:
Up on the date XX/XX/2021 I contacted XXXX to try to confirm why my finances were suspended from me for my safety when I finally got in contact with customer service they then told me I would have to upload documents proving I was who I say I was to confirm my account suspension after uploading every document of verification that I could possibly and uploading screenshot myself personally I was told that it wasn't enough verification so I continue to call an email email and call until finally I started researching in Reading the term an agreement onto researching on the web other ways to get into my account funds that research led me to emailing you guys for help to free up how to get unsuspended to me almost XXXX XXXX to be exact XXXX XXXX in something around about that amount

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Account Number - XXXX I sent two certified pay in full letters XX/XX/XXXX and XX/XX/XXXX and a recorded conversation XX/XX/XXXX. Resurgent Capital Services still refuse to work with me on a fair % of the debt for this account. Just to omit this debt on an account I NEVER opened up I am willing to pay a portion of the debt, but Resurgent Capital Services will not work with me on a fair % for a debt on an account I never used or opened up. 
Abbreviated Correspondence List Below : a ) Four CFPB complaints ( ignored ) b ) Two FTC dispute letters ( ignored ) c ) Two validation letters ( ignored ) d ) Received 17 unreliable and incomplete reply letters from XXXX XXXX and misc. companies. 
e ) I sent several dispute letters to all three credit bureaus which ( successfully removed all debt from the credit agencies ) f ) I tried to negotiate on XX/XX/XXXX and was insulted by the $ amount Resurgent tried to demand me to pay. There seems to be no working with Resurgent Capital Services for a fraudulently opened account for removal on a fair amount.

g ) XXXX XXXX can not provide me with the original contract between the original creditor and me that I did not fill out or ask for. 
h ) The original debt information per the records sent to me was left at only a total of {$58.00} that is actually owed to you, but it had increased due to interest and charges. A {$120.00} payment with the conditions above via money order is above and beyond an acceptable amount for an account that was never opened by me, not seen by me until my credit report in XXXX, and never used by me. Work with me, and you will never see another complaint or letter from me again. 
i ) Two certified pay in full letters Resurgent Capital and one to XXXX XXXX XX/XX/XXXX and XX/XX/XXXX ( ignored ) j ) Reply letter XXXX XXXX this letter said nothing and was incredibly stupid regarding nothing about the account again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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:
Attempted to remove fraudulent credit inquires from credit report. The inquires don't belong to me and were incorrectly placed on my credit report. Please remove inquires ASAP as these are not mine.

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 2021-02-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Company is attempting to collect a debt I do not owe. XXXXXXXX XXXX  breached my contract for insurance and did not provide coverage for my vehicle.

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 2021-02-12 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: NJ

Complaint narrative:
i am victim of identity theft and these accounts that i listed is not mine. i listed the items in the attched fromed. i need these items removed asap. i am victim and someone use my info and name. this is is stopping me from moving forward with my life. please remove asap

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 2021-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I opened a TD Bank checking account on XX/XX/XXXX and closed it after six months. I reopened the account on XX/XX/XXXX. Account to promotion agreement on their website, '' Offer is available to a new personal checking account at TD Bank with the preceding 12 months '', I believe I qualify for this offer. The KEY words are customers who do not have an existing or prior with the preceding 12 months. I did not have an account with TD Bank in the past 12 months before I reopened. I met the offer criteria. I had tried to contact the representatives through the security message, and they did not solve my problem. They told me that I do not qualify because I received a bonus on a prior account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: CO

Complaint narrative:
On XX/XX/2021 I submitted a completed loan application through the PenFed website. I since then have not received any communication or Initial Disclosures from the lender. 

On XX/XX/2021 I made several calls to PenFed. None of them were successful in reaching an agent or employee of PenFed. The phone would route me to wrong departments and/or disconnect. This happened numerous times. 

On XX/XX/2021 I submitted a message on the penfed website using their " secure online messaging '' option for communication. Still no response. 

On XX/XX/2021 I made an additional attempt, calling penfed again. This time I got someone on the phpone, was in the wrong dept. but said he would transfer me to the mortgage dept. After 20 minutes on this call, it also disconnected. I made the agent on the call aware that previous call attempts had led to disconnecting the call. He took down my number and told me he would call me back if the call were to get disconnected. He never called back. 

Its been more than a weeks time, I have not received my initial disclosures, my credit was pulled, and I have made more than a reasonable number of attempts to connect with this lender, and get no response.

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 2021-02-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/XXXX I received notification that a payment had posted to my Nevada Bank of America debit card. The payment totaled {$960.00} between federal and state benefits after taxes were withheld. When I went to access the account and transfer the money to my checking account, I found the account had been closed. Both NV XXXX and Bank of America repeatedly told me it was the other party 's fault. Eventually I found out that my card had been closed for suspected fraud. When I filed my next weekly claim to be paid out XX/XX/XXXX I discovered that payment was not released because I needed to confirm my identity with XXXX. When I called XXXX nobody could tell me how to do that. Luckily the next week I started a new job so those two weeks of payment were the only weeks I did not receive. Finally I emailed copies of my license and my passport to XXXX and on XX/XX/XXXX was notified that the hold had been released from my account and my XXXX XXXX XXXX Pending resolution had been removed from my account. It showed my final unemployment payment had been issued. That payment was a partial payment of {$630.00} combined federal and state benefits to rectify a previous accidental overpayment ( due to a vacation time issue ). I went to the Bank of America website to check my balance and found the account was still closed. The XXXX fraud phone number has been disconnected- I can't get through. The XXXX main phone line refuses to let me talk to a representative or receive a callback. When I called Bank of America about this issue they claimed that it was XXXX 's problem again, but since XXXX has clearly released the hold on my account and released payment to BofA, I have no choice but to understand the situation as BofA unlawfully holding my payment and refusing to release my money to me. The most recent time I tried to contact BofA about this they hung up on me with no discussion. The total amount I am owed is XXXX and it has been six months that this money has been withheld from 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 2021-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Account Number - XXXX I sent two certified pay in full letters XX/XX/XXXX and XX/XX/XXXX and a recorded conversation XX/XX/XXXX. XXXX XXXX XXXX still refuse to work with me on a fair % of the debt for this account. Just to omit this debt on an account I NEVER opened up I am willing to pay a portion of the debt, but XXXX XXXX XXXX will not work with me on a fair % for a debt on an account I never used or opened up. 
Abbreviated Correspondence List Below : a ) Four CFPB complaints ( ignored ) b ) Two FTC dispute letters ( ignored ) c ) Two validation letters ( ignored ) d ) Received 17 unreliable and incomplete reply letters from Capital One and misc. companies.

e ) I sent several dispute letters to all three credit bureaus which ( successfully removed all debt from the credit agencies ) f ) I tried to negotiate on XX/XX/XXXX and was insulted by the $ amount XXXX tried to demand me to pay. There seems to be no working with XXXX XXXX XXXX for a fraudulently opened account for removal on a fair amount. 
g ) Capital One can not provide me with the original contract between the original creditor and me that I did not fill out or ask for.

h ) The original debt information per the records sent to me was left at only a total of {$58.00} that is actually owed to you, but it had increased due to interest and charges. A {$120.00} payment with the conditions above via money order is above and beyond an acceptable amount for an account that was never opened by me, not seen by me until my credit report in XXXX, and never used by me. Work with me, and you will never see another complaint or letter from me again. 
i ) Two certified pay in full letters XXXX XXXX and one to Capital One XX/XX/XXXX and XX/XX/XXXX ( ignored ) j ) Reply letter Capital One this letter said nothing and was incredibly XXXX  regarding nothing about the account again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: Shellpoint Partners, LLC
State: TN

Complaint narrative:
Shellpoint Mortgage Servicing has listed on my credit reports that I am 120day delinquent on my account. This is not accurate. Effective XX/XX/2020, my former Mortgage company, Ditech sold my account to Shellpoint. At that time I was in a mortgage modification program and payments were being made as agreed to. The modification plan continued until XX/XX/2020 with Shellpoint and all payments were paid as agreed. I successfully completed the modification program and was issued a new payment plan effective XX/XX/2020. All payments have been current to this date. 

As of today, the account is listed as 120days delinquent on all credit reports. I have tried unsuccessfully to get this item corrected by filing a dispute resolution request with all three credit bureaus and attempting to speak with Shellpoint. I have not been provided with reason ( s ) why this delinquent item is remaining on my credit file from Shellpoint.

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 2021-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: MA

Complaint narrative:
I received a notice from ASPIRE that I needed to recertify my income for my income based repayments. I went to the department of education site and tried to go through there but there was a HUGE notice saying I was not required to recertify my income on loans for another year, nor were they supposed to be charging interest during the Covid -19 Pandemic. The first time I called the customer service agent gave me a one month forbearance for XXXX and told me that I would have to recertify on paper instead of electronically if I couldn't go through DOE as that was a separate website. I do not understand how ASPIRE can require me to recertify my income when the DOE says it's not necessary. I have not received anything from my other loan holder as I think they are following the rules. 
The second time I called I was given the same runaround that I would have to recertify through the mail. I do not own/have access to a printer to print relevant documents, and there is a requirement when you sign that you agree to provide relevant documents. They have not provided an electronic means and the closest printing service to me is a 3 mile walk as I have no car. I finally tried to email them through their website and I received a form email saying please call customer service ( hard eye roll ). 
Yesterday I received a bill stating I owe a {$150.00} payment by XX/XX/XXXX, an amount I can not afford to pay. I have worked very hard to rebuild my credit score and don't want it ruined by this. Today I am sending in the paper form with notations that I can not provide documentation if they do not give me an electronic means to do so. I would like two things to resolve this : 1. Either provide me with electronic means to submit documentation OR, even better, just recertify my {$0.00} income based repayment for another year as required by DOE.

2. Stop charging me interest when they aren't supposed to and remove any interest they have charged me during this pandemic. 
Thank you.

Company response to consumer: Closed with explanation