vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
thursday, XX/XX/2020 regarding : Loan Number : XXXX rearding : Shellpoint Mortgage Servicing ( Is An Illegal Company! ) dear XXXX XXXX, this is Illegal! 
this is FRAUD! 

they ILLEGALLY added {$4000.00} interest since the covid virus started on to myaccount without informing ME! 

furthermore, i am on a payment plan that was approved of ( during the coronavirus pandemic ) to pay those payments back in 3 payments as Double Payments and now YOU do this to me which is FRAUD! 

they are NOT supposed to be charging or adding on any ILLEGAL LATE FEES/PENALTIES due to being Approved for a CoronaVirus Payment Plan Program! 

{$4000.00} = interest and {$54.00} Per Diem they Now Added thesefraudulentamounts since the covid virus started on to MY Account and Mortgage Behind MY Back! 

https : //www.shellpointmortgageservicing.com/ # XXXX they EITHER need to SPEAK TO ME ABOUT THIS and solve the problem! 
OR I AM STOPPING THE PAYMENTS AND CONTACTING THE CONSUMER FINANCIAL PROTECTION BUREAU AGAIN and XXXX XXXX XXXX again! 

this is a Big Scam! 

i have taken pictures as well! 
YOU have the Worst Mortgage Company Ever! 

XXXX XXXX XXXX enclosed, please find the attachments from your website showing YOU the NEW, ILLEGAL FEES that YOU have ADDED ON recently! 

cc : Consumer Financial Protection Bureau cc : XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: TX

Complaint narrative:
FTC Violations OCC Assesses {$60.00} XXXX Penalty Against XXXX XXXX, Orders Bank to Reimburse Consumers for Unfair Billing Practices Leading Debt Collector Agrees to Pay Record {$2.00} XXXX to Settle FTC Charges XX/XX/2011 FOR RELEASE A leading debt collection company has agreed to pay a civil penalty of {$2.00} XXXX to settle Federal Trade Commission charges that its aggressive collection techniques violated federal law. As part of its efforts to protect consumers affected by the struggling economy, the FTC alleged that XXXX XXXX XXXX, XXXX violated the FTC Act and Fair Debt Collection Practices Act. 
XXXX XXXX {$910.00} XXXX  XXXX {$130.00} XXXX XXXX   XXXX XXXX late flexible spending card XXXX {$210.00} XXXX XXXX XXXX  {$540.00} XXXX   XXXX  {$510.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX {$340.00} XXXX Inquiries : XXXX   XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX wrong names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Ct XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX 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 2020-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I applied for the Covid19 relief for 3 months, but I actually made a payment the same month I applied and they did not extend my month. My mortgage has become frozen. I just made my first mortgage payment and my balance is not updating correctly, payment shows unapplied, I can not pay more principal, I have asked for the name of my HUD caseworker and the status of my case with HUD to repay my 2 months, all of my questions are IGNORED REPEATEDLY. This bank is a scam. I need answers to whats going on in my case. I repeatedly get disconnected. They always state they are going to follow-up and their email responses are just robotic and do not address any of my actual concerns.

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 2020-07-17 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-07-17 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I had a boat loan with XXXX financial that i paid off in XXXX of 2020 but the company transferred my loan to Shellpoint Mortgage in end of XXXX ans Shellpoint sent me a letter saying i owed them for a loan payment i contacted them and sent them the payment info from XXXX where the loan was paid off, they still insisted i owed them {$330.00} to pay the loan of and i paid them in XXXX just not to have a problem, i received confirmation that the loan was not paid in full. I asked them for my title to my vessel and i was told to wait 3 weeks for it to be sent to me.. Its now almost 4 months and i called them 4 times since but no one can tell me where it is, i e-mailed the loan servicing department as they tell me 4 times with no response. Now the worst part is shellpoint reported to the credit bureaus that i am 30 and 60 day late and that the loan is a home mortgage!!!! Im purchasing my first home now and im 3 weeks away from closing but due to this incorrect reporting my score dropped below the minimum required FICO score required and the incorrect reporting that the loan is a home mortgage and late payments is not allowing me to obtain my mortgage for my home due to this incorrect past history on my report.!!!! I have called Shellpoint at least 5 times and e-mailed them to please correct the reporting asap so that i can contact the agencies to rescore my reports for my new mortgage, but it has been 10 days with no response at all ... and everyday my credit score drops lower!! please help or my family and i will be in the streets with no home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
TOnight at XXXX is the deadline for my company to submit much needed funds from the PA XXXX Certification for Covid XXXX relief. I need to link my bank account for transfer and the system said 'this service may not be available. ' Seriously? I stand to lose XXXX $ grant over a glitch in your system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I see 30 day late marks which are a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I sent Experian identity theft report, email the ceo, sent certified letters, call and try dispute it, sent letter Mov ... And they Keep sending me letters asking for everything I sent many time. 
Im writing you out of pure frustration and desperation. I am in the process of purchasing a home and Experian company is reporting in accurate information. I have sent the company multiple dispute letters and screenshots stating that this information is inaccurate. The Information that I speak of is ( XXXX XXXX ). Each time Ive spoken to Experian representative they have stated that the company has provided them with information that has verify the data. Ive sent multiple requests for method of verification data and I have been ignored for each one. I also Spoken to a XXXX XXXX representative they also have an inaccurate information about myself. The XXXX XXXX   representative described me as a totally different person Ive never had an account with them at all. Ive also sent in the Federal Trade Commission report ( FTC ) which I will attached at the end of email. I also sent in a verification letter which I also will attach. Ive spoken to representatives on everyones in I believe that I have done all the due diligence to make this matter correct, Im asking of you to please help me with this matter. Im just trying to do whats right to provide for my family a dream home that I promised them. I thank you for your time and your understanding, I appreciate everything you do. 
I call Experian to Dispute this account ... And I requested XXXX. Told them this was a fraudulent account. I I sent the identity report ... They told me I couldnt request the information. Im Asked them are you denying me this information, he said yes and I said if I contact the attorney general and CFPB they are going to say the Same thing. This account is a charge off account but contains a monthly payment That is not possible, please delete. This account is labeled a collection but it is reporting a past due balance. I have full faith in Experian to be an outstanding model company and remove delete

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 2020-07-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

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 2020-07-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due  process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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:
I have hard inquiries from XXXX XXXX/ XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX. These inquiries aren't mines they are showing on my Equifax. I have dispute them and can not get them to verify the inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Equifax Information Services LLC is mishandling my credit data and damaging my financial health. An Equifax Information Services customer care agent informed me that Equifax Information Services is reporting my social security number under someone else 's name. Equifax Information Services is refusing to provide a credit report to me under the claim that I have no established credit history. This is an outright lie, as I have confirmed with both credit card companies with which I have had accounts for longer than six months that both companies are reporting my credit data to Equifax Information Services. I was made aware of this problem on XX/XX/2020. I have provided numerous forms of identification on three occasions via mail and fax, as directed by multiple Equifax Information Services customer care agents. I was told that any information regarding this dispute would be relayed to me via mail, but I have received no mail informing me of the progress of this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
midland funding. i kept disputing this because the information and the date that was open and i never had no midland funding never applied and never heard of it. i was not even around when it got open.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and XXXX Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation