vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: RI

Complaint narrative:
On XX/XX/2020, I sent a letter to this company under the name of Midland Funding LLC for account number XXXX for a balance of {$370.00} reported as an account in collections. I asked them in writing to send me a copy of the signed credit application for the debt from the original creditor with whom I had filed an identity theft report in the past. 

XXXX months have passed and I have not received a response. Perhaps they replied and the post office is delayed and this is why I waited three months to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Good afternoon I'm reaching out because you have Send me a notification via email confirming that XXXX XXXX XXXX account was deleted from my credit report however upon opening my credit score I can clearly see that it's still visible and available on my credit report. Again you have no evidence at all or any proof that this account belongs to me however I have a document attached with over 20 pages With evidence confirm that this is not my account again go over my documentation step-by-step and don't you dare to tell me again that I have not provided you enough information and that you somehow are able to verify this account and yet don't provide me with physical proof as you are obligated by federal law.

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 2020-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
On XX/XX/2020, I reached out to Barclays to resolve an outstanding charged off debt for {$790.00} that was outstanding for over a year at that point. I was told that I was unable to pay off the account, even in full because they were not able to accept a payment and also did not have the account assigned to a 3rd party collector. 
A month later, I called back to see the status and was told the same thing - I could not resolve the account. 
Another month later, I called back a third time with the same non-resolution. 
In the 2nd week of XXXX, 2020 I called back again and was given an address to main a check to and now that payment has been accepted and am waiting for the bureaus to receive an updated XXXX balance. 
I feel like Barclays held this account XXXX by not allowing me to resolve it and has had an unnecessary detrimental effect on my credit history.

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 2020-11-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
During my loan origination in XXXX, my loan officer coarsely advised me that I needed to pay for a rate lock on my loan to avoid any jeopardization in getting the loan ( in XX/XX/XXXX and XX/XX/XXXX ). That rate lock cost me {$680.00} and during the loan process, I experienced many delays by Wells Fargo which ultimately caused my loan to close outside of normal parameters for the considerations of the loan. 

In XXXX of XXXX, Wells Fargo internal auditing determined that it was in their best interest to reimburse the rate lock fee in the amount of {$680.00}. In XXXX Wells Fargo finally issued me a check for {$800.00}. When I questioned the amount of the refund, they sent me a letter, and in their letter to me dated XX/XX/XXXX they broke down the amount as {$680.00} for the fee, {$60.00} for interest, and {$64.00} to compensate me for the time that I did not have the funds. When I questioned the {$64.00} amount, they said " we're unable to accommodate this request, because the information requested is considered to be privileged, confidential and/or proprietary information to Wells Fargo ''. 
Since that original explanation, I have made multiple phone calls to Wells Fargo in which their representatives told me everything from they " don't see a inquiry in their system for me '' to " I reassigned the case to myself ... ..and their lawyers set the amount ... .and you're not getting a dime more '' to " we got an email about the rate lock issue this morning ... .let me check with my team lead to see what they did with you ''. 

Wells Fargo is clearly trying to cover legal bases and avoiding any explanation to resolution of my issue. Fair compensation for their illegal charge of rate lock fees should consist of the original rate lock fee plus interest of between 4.875 % and 17 % XXXX 4.875 % is the mortgage rate interest of the loan in question and 17 % interest is the yearly average return of my personal investment account during the time in question ), a mutually agreed upon interest should be accrued monthly compounded from XXXX of XXXX through the date of the resolution. The amount of compensation shouldn't be " privileged, confidential and/or proprietary information to Wells Fargo ''. In addition personal compensation related to time spent on my behalf to resolve the 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 explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: AL

Complaint narrative:
I paid the entire balance of my auto loan on XX/XX/20. Bridgecrest told me I would receive the title in 4-6 weeks. I have contacted Bridgecrest several times since then, and they will not give me the status of the title transfer. Today I called my state 's motor vehicle department, and they have not even received the title application. The car was stolen then totaled, and I can not receive payment from my insurance company until I send them the title. I have been without my car for almost two months, and Bridgecrest has caused delays every step of the way. This is my third complaint against them. I even told them I would file a complaint if they didn't give me the status of the title transfer, and they don't care. They don't respect the CFPB. They don't even attempt to provide good customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: AES/PHEAA
State: MO

Complaint narrative:
MY STUDENT LOANS WERE CONSOLIDATED IN XXXX BY XXXX. FEDSTUDENT LOANS RECEIVED PAYMENT FROM XXXX ONXX/XX/XXXX. I AM CURRENTLY UNDER AN INCOMEBASE PROGRAM WITH XXXX DOLLAR PAYMENTS. FEDLOAN IS STILL SHOWING ACCOUNT AS ACTIVE AND ACCURING INTEREST MAKING THE BALANCE HIGHER - COULD NOT GIVE ME THE BALANCE IN WHICH THEY ARE BASING INTEREST WHEN LOAN WAS PAID UPON CONSOLIDATION. SPOKE TO 3 DIFFERENT REPRESENTATIVES, ALL HAD A DIFFERENT STORY. THEY REFUSE TO GIVE ME MY PERSONAL DOCUMENTS. SOME REPS WERE RUDE AND GAVE FALSE INFORMATION. THEY ARE NOT ACCURATELY REPORTING MY STATUS WHICH HAS HAD A SIGNIFICANT IMPACT ON MY CREDIT AND SCORE. THIS WAS DONE XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This bank keeps declining me the pre approval doesnt make sense saying Ive been delinquent with past or present credit obligations but thats not true I have no card balance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disputing the accounts today as they are a result of identity theft, the XXXX  Data Breach exposed my personal information to criminals who used my information to open several accounts in my name, my personal information will always be exposed to those who have used them against my knowledge to open fraudulent accounts. 



Under the laws of the FDCPA, I have contacted these companies myself and asked them to verify these accounts, and they have refused to do so. I have contacted the Consumer Financial Protection Bureau as well as the FTC and filed a report against your company for reporting this false information to my account. 



The FCRA requires you to verify the validity of any information reporting to my credit report, which you have failed to do so, as I asked 30 days prior to today for this account to be removed and your company has not done so. I am demanding that you remove these accounts from my credit file, as it is against the law to report these accounts. 



In the event that you do not remove these accounts from my credit file, I will not hesitate to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 



Remove : 1XXXX XXXX  {$960.00} 2XXXX XXXX  {$1100.00} 3.XXXX XXXX XXXX  {$650.00} 4XXXX XXXX XXXX XXXX {$1600.00} The only name that should be reporting to my credit file is ( XXXX XXXX XXXX any other names should be removed . 



The only address that should be reporting to my credit file is XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ) any other addresses should be removed.

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 2020-11-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
This ordeal started back in XX/XX/2020. I was approved for the tax expemtion in FL and I wanted to inform my mortgage company of the changes. Unfortunately, I made so many calls and spoke to so many rude and incompetent people that I got so fed up. Luckily I spoke to the only knowledgeable Supervisor in that company XXXX/ID XXXX he explained that they have to recieve the bill from the tax collector and once they recieve it they will review and do a new escrow analysis which will lower my mortgage payments. He said I should call back in two weeks which will be the middle of XXXX. Well I decided to call back in beginning of XXXX. I called over 15 times and explained that my taxes has decreased and I need a new escrow analysis done. Well it went on deaf ears every representative I spoke with was useless. The all submitted multiple task/ticket that wasn't done or cancelled out. Well on XX/XX/2020 I called and spoke with XXXX/ID XXXX and told her the situation she said that another task will be submitted and I should call back in 24hrs and it will be completed. I called back the next day and spoke with a representative and she explained the break down of the new mortgage payment. At that time I noticed the escrow analysis was not accurate. My PMI/Mortgage insurance was paid in XXXX in the amount {$810.00}, which will be {$67.00}. 61 monthly. However, the mortgage company has been charging me {$840.00}, which will be XXXX I tried asking the rep why is this information incorrect and I didn't recieve a proper answer. Looking back at my escrow analysis back in XXXX it stated my PMI/Mortgage insurance is {$810.00} but the company continues to charge me an extra {$2.00} and I'm not sure where the funds is being disbursed..This is fraud stealing my money monthly and no one can tell me where my {$30.00} went for the past 11 months .. I called another 10 more times and another ticket/ task was submitted and the rep requested a supervisor to call me back and no one called back and the issue was not fixed ..once the escrow analysis was done on XX/XX/2020 it shows my PMI/Mortgage payments is {$840.00} which is wrong ..they quoted my new monthly payments should be {$1500.00} which is wrong .. the correct monthly payment should be {$1500.00} once they adjust the amount of the PMI/ Mortgage insurance payment monthly ..Im tired of calling these people I wait an hour to get a representative and the rep don't even look at the account and say a supervisor will call you. I'm already seeking legal counsel this company is ridiculous. My job is not to make sure my payment is distributed accurately. I want this fix like yesterday.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I would like to have a Fraud Alert removed for my legitimate account XXXX XXXX XXXX / XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. I was contacted by the credit bureaus about my account that I never filed a dispute over. My account has been in good standing since

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 2020-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank closed my checking account with my money in it and i can not get a straight answer or information on where my money is except it will be mailed to address on file. I have not received anything in the mail not even a letter that was also promised as to why my account was closed. I now have no money to use and no answer as to where it is from thieving Citibank.

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 2020-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion has a discover credit card account reporting on my credit reports. Transunion is the only credit bureau with this negative account on my report hurting my score hindering me from taking advantage of credit line opportunities. According to the Fair Issac all information from all three credit bureaus must be accurate. Transunion Is the only bureau with this negative account this is a violation and the account needs to be deleted.

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 2020-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
XXXX XXXX says I didn't turn in their device and wrongfully charged me {$170.00} on XX/XX/2020 when I provided proof of location.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing the accounts today as they are a result of identity theft, the Equifax Data Breach exposed my personal information to criminals who used my information to open several accounts in my name, my personal information will always be exposed to those who have used them against my knowledge to open fraudulent accounts. 



Under the laws of the FDCPA, I have contacted these companies myself and asked them to verify these accounts, and they have refused to do so. I have contacted the Consumer Financial Protection Bureau as well as the FTC and filed a report against your company for reporting this false information to my account. 



The FCRA requires you to verify the validity of any information reporting to my credit report, which you have failed to do so, as I asked 30 days prior to today for this account to be removed and your company has not done so. I am demanding that you remove these accounts from my credit file, as it is against the law to report these accounts. 



In the event that you do not remove these accounts from my credit file, I will not hesitate to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 



Remove : 1.XXXX XXXX  {$960.00} 2XXXX XXXX  {$1100.00} 3XXXX XXXX XXXX  {$650.00} 4.XXXX XXXX XXXX XXXX {$1600.00} The only name that should be reporting to my credit file is ( XXXX XXXX XXXX any other names should be removed . 



The only address that should be reporting to my credit file is XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ) any other addresses should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I had a voicemail from a recording saying it needed to be taken care of in a certain amount of time, so I called the number back. A woman who supposedly works for a law firm said I owed {$1800.00} for a line of credit from someone I've never heard of. Then she threatened to take me to court if I didn't pay. Asked about a payment plan, and she said I would have to pay {$55.00} a month for 22 months, and she needed the 1st payment now. Told her I'm unemployed and broke, she threatened to take 25 % of what I have in the bank monthly, and said if I sold any property or anything else I owned, she could take 25 % of it also. Said I had 24 hours to make 1st payment or she will have to get a judgement through court.

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 2020-11-18 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: MO

Complaint narrative:
MY STUDENT LOANS WERE CONSOLIDATED IN XXXX  BY XXXX. XXXX XXXX RECEIVED PAYMENT FROM XXXX ONXX/XX/XXXXI AM CURRENTLY UNDER AN INCOMEBASE PROGRAM WITH XXXX DOLLAR PAYMENTS. XXXX IS STILL SHOWING ACCOUNT AS ACTIVE AND ACCURING INTEREST MAKING THE BALANCE HIGHER - COULD NOT GIVE ME THE BALANCE IN WHICH THEY ARE BASING INTEREST WHEN LOAN WAS PAID UPON CONSOLIDATION. SPOKE TO 3 DIFFERENT REPRESENTATIVES, ALL HAD A DIFFERENT STORY. THEY REFUSE TO GIVE ME MY PERSONAL DOCUMENTS. SOME REPS WERE RUDE AND GAVE FALSE INFORMATION. THEY ARE NOT ACCURATELY REPORTING MY STATUS WHICH HAS HAD A SIGNIFICANT IMPACT ON MY CREDIT AND SCORE. THIS WAS DONE 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 2020-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
In XXXX, we were impacted by Hurricane Irma and as a result, deferred our mortgage payments under law for 6 months. At the close of the relief period, we opted to extend our loan 6 months and spread escrow over a 60 month period. 

Shellpoint Mortgage Servicing assumed our mortgage from XXXX in XXXX XXXX. In XXXX XXXX, they performed an escrow analysis and attempted to raise our mortgage by more than {$600.00} per month. The reason being, they did not honor my agreement for deferred escrow. I have called and written them month after month. They will not resolve the issue, they are charging me monthly late fees, reporting me to all credit bureaus, sending demand letters, calling daily and speaking to me as if I were a criminal. I want to sue them but Id prefer to have regulating agencies handle this. Please help me, this is impacting my mental well being amd adversely impacting our credit scores.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AL

Complaint narrative:
My information is on somebodys car loan and it bringing my credit score down.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I reached out to the company and haven't received a response. The account they are reporting on my credit reports is inaccurate. There is NO balance owed to this company. The balance they are reporting is an error. The original creditor was paid

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: NV

Complaint narrative:
There was an apartment listed on my credit in which I have never lived at. I attempted to call the company and they said they never had heard of me either. Please remove them from my credit reports as it's hindering me from getting a place to live.

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 2020-11-18 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: NV

Complaint narrative:
There was an apartment listed on my credit in which I have never lived at. I attempted to call the company and they said they never had heard of me either. Please remove them from my credit reports as it's hindering me from getting a place to live.

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