vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: CA

Complaint narrative:
On XXXX the XXXX my mortgage loan was paid off in full to homebridge financial services and I was to receive a escrow refund check from the mortgage company homebridge financial services. The escrow check that I was to receive in thirty days never received the check at my address.I have made several phone calls to the mortgage about this issue but have not made any head way into resolving this issue with them. They assured me that they would stop payment on the first check that I never received. And they assure me that they would send out another check that they said should reach me within five business days which as of this date has not been delivered to my address.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
From XX/XX/XXXX -- XX/XX/XXXX. 
Someone used my phone and credit card by purchasing XXXX account. I tried to dispute those charges which is XXXX. Dollars. 
However they don't believe me. 
I never authorized charges. 
I never got benefits from XXXX This is for my chase credit account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Accordingt to XXXX, In XX/XX/XXXX, I closed my CitiFinancial account with a XXXX balance. In XX/XX/XXXX CitiFinancial has me making four payments on this. In XXXX they show me making 12 more payments. In XXXX they have me showing over 180 days late and then the account shows closed. How and why would I make payments on an account that was already closed?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I reached out to Bridgecrest Financial in regards to an auto loan that was charged off and Bridgecrest Financial considered the debt a loss on their profit-and-loss statement in XX/XX/2018 to try and settle the account and they informed me that they do not take settlements and will not settle this debt. The account shows up on my credit reports as charged off as bad debt and reported as a loss by credit grantor for {$8600.00}. I do not understand why they will not take a settlement when they have already considered the account as a loss and wrote it off on their profit and loss statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: IL

Complaint narrative:
Experian does not investigate disputes. They complete their " investigation '' within 24 hours. There is no number to talk with a representative. Their credit report includes NUMEROUS wrong names, wrong addresses for me, and in return false and inaccurate data. I have contacted them in regard to a dispute on my XXXX XXXX account which has been closed for many years. They do not fully investigate. They complete their investigations and does NOTHING to correct any mistakes or inaccuracies on my credit report..

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 2020-09-29 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: MI

Complaint narrative:
So I hada car loan with XXXX and paid it on time for 4 years as a lease car and then turned it in and got another car. XXXX is saying that they billed me for a ding in the car of {$250.00} and I never got the bill and then reported me late. they said they called me 20 times but when i asked for the phone number they were calling, they had the wrong number it was one digit off from mine. So i never got any mail or calls regarding this. I had moved prior to all of this happening and then. I asked the car dealer XXXX for their records from the lease and they told me they dont keep records. 

There actions of the wrong number and wrong address caused my score to drop and my credit score went down. I am not happy

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was contacted by an individual by the name of XXXX XXXX via phone about the purchase of a vehicle. He sent me photos of the car and stated I would need to send a total of {$1000.00} for a deposit of the vehicle and then pay an additional {$1000.00} to complete the purchase of the car. I sent him a total {$840.00} on XX/XX/2020 via XXXX from my bank at Bank of America. I then sent the {$200.00} remainder of the deposit on XX/XX/2020 via XXXX again. XXXX stated he would hand over the car on XX/XX/2020. In which, he never showed up and never brought the vehicle that I had already paid the deposit for. He also stopped all further contact with me and blocked my phone number. I then realized I was scammed out of my money and of the potential car. To my surprise after researching XXXX, I found previous records that he is a felon and huge fraudster/scammer. He is in gang with 23 other individuals that sell stolen vehicles and scam individuals by never actually give them the cars such as myself. He has been to jail multiple times across the country for theft and related charges. I called Bank of America on XX/XX/2020 and let them know my entire situation and that I wanted to file a dispute of the transaction since I was a victim of the car scam in order to receive my {$1000.00} back. The representative at Bank Of America told me they would conduct an investigation, reach out to the bank XXXX has, and ask them to send the money back. After 20-30 days I called Bank of America back and they told me they denied my claim and I can not appeal any XXXX transactions that have already been denied. I was completely shocked and was told my next only option would be to file a complaint with www.ic3.gov and there there is no other help Bank of America can offer me to retrieve my money that I was scammed. I contacted the XXXX County police and filed a police report for theft or services against XXXX as well as a ticket on www.ic3.gov. The police are still looking for XXXX to arrest him but advised that I communicate with the bank on how I can retrieve the stolen funds. I was finally referred to submit this complaint on here to the CFPB as of today on XX/XX/2020.

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 2020-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Dear Sir or Madam ; I am a victim of Identity Theft. the Information Listed Below, which appears on my credit Report Does not relate to any transactions that I have made.it is the result of Identity theft. Please Block this Information from my credit Report pursuant to section 605B of  the fair credit Reporting Act and send the Required notifications to all Furnisher of this information. Enclosed are the following ; XXXX XXXX state of Maryland ; Original filling XXXX XX/XX/2015 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Dear Sir or Madam ; I am a victim of Identity Theft. the Information Listed Below, which appears on my credit Report Does not relate to any transactions that I have made.it is the result of Identity theft. Please Block this Information from my credit Report pursuant to section 605B of  the fair credit Reporting Act and send the Required notifications to all Furnisher of this information. Enclosed are the following ; XXXX XXXX state of Maryland ; Original filling Date XX/XX/2015 2015

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 2020-09-29 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I dnt owe this debt I never went to school and its hurting me for years of my life I want this debt off my credit. Someone use my identity to go to school and I wanted of if not I will sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Hi! I'm writing in regarding a recent issue with Wells Fargo and XXXX, of which my Wells Fargo account is connected to, and a case of easily preventable fraud. 

The afternoon of XX/XX/XXXX my email was hit with a spam XXXX and I noticed a suspicious email from XXXX noting my email had been changed, amongst about 1000 other spam emails. 

The afternoon of XX/XX/XXXX I contacted XXXX and my account was frozen. I also contacted Wells Fargo to prevent any transactions from my linked checking account to XXXX, and on XX/XX/XXXX a stop order was put in to stop any transactions from Wells Fargo to XXXX, with a reference number of XXXX On the XXXX of XX/XX/XXXX I woke up to some alerts through my credit monitoring service, XXXX, that my Wells Fargo checking account had gone negative, over drafted from the linked Wells Fargo savings account, and that I was charged an overdraft fee. This was from two fraudulent transactions from XXXX, for {$1300.00} and for {$1700.00}. I immediately called Wells Fargo to report the fraud and then again called XXXX, though they are not taking phone calls given COVID, so sent an email with the above information and am yet to hear back a resolution. 

On XX/XX/XXXX I officially filed a dispute with Wells Fargo and am hopefully in the process of filing a dispute with XXXX once they return my message. 

I did want to lodge a formal complaint here. I'm not sure how the ball could have been dropped in this case to such an extent, by both companies, given my accounts were supposedly frozen, or at least the transactions restricted, on both ends, and the transaction wasn't until a few days later. 

I hope that information helps and thank you for all that you do.

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 2020-09-29 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: CCS Financial Services, Inc.
State: OH

Complaint narrative:
There are some accounts on my credit report that are not mine and reporting twice and believe this is an act of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
The following accounts are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCREDIT COLLECTION SERVIC # XXXX XXXX XXXX XXXX # XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: Choice Recovery, Inc.
State: OH

Complaint narrative:
There are some accounts on my credit report that are not mine and reporting twice and believe this is an act of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
The following accounts are listed below : -CHOICE RECOVERY INC XXXX XXXX XXXXCHOICE RECOVERY INC XXXX XXXX -CHOICE RECOVERY INC XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX 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 2020-09-29 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: MI

Complaint narrative:
So I hada car  loan with XXXX and paid it on time for 4 years as a lease  car and then turned it in and got another car. XXXX is saying that they billed me for a ding in the car of {$250.00} and I never got the bill and then reported me late. they said they called me 20 times but when i asked for the phone number they were calling, they had the wrong number it was one digit off from mine. So i never got any mail or calls regarding this. I had moved prior to all of this happening and then. I asked the car dealer XXXX for their records from the lease and they told me they dont keep records. 

There actions of the wrong number and wrong address caused my score to drop and my credit score went down. I am not happy

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 2020-09-29 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: MI

Complaint narrative:
So I hada car loan with XXXX and paid it on time for 4 years as a lease  car and then turned it in and got another car. XXXX is saying that they billed me for a ding in the car of {$250.00} and I never got the bill and then reported me late. they said they called me 20 times but when i asked for the phone number they were calling, they had the wrong number it was one digit off from mine. So i never got any mail or calls regarding this. I had moved prior to all of this happening and then. I asked the car dealer XXXX for their records from the lease  and they told me they dont keep records. 

There actions of the wrong number and wrong address caused my score to drop and my credit score went down. I am not happy

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 2020-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
Hello and thank you for your help. I know I am qualified for a mortgage based on my financials but I believe I am being denied a loan because I am a single woman.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: We Collect Inc
State: WA

Complaint narrative:
I received services at the XXXX XXXX on our about XXXX. During that time I became unemployed and was eligible for insurance through the state. I amassed {$1000.00} in medical bills and advised the XXXX XXXX that I was covered by state insurance but XXXX XXXX refused to bill secondary insurance. They sent the account to Atlas Financial Services and I received court documents on XX/XX/XXXX that I was being sued for {$1900.00} which was an additional XXXX dollars over what I owed. After calling up the collection agency and attempting to make an agreement with them I was then advised that the case was dismissed due to XXXX XXXX XXXX failure to bill the secondary state insurance which would have covered the entire bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
This is my fourth complaint regarding fraudulent and predatory practices of New Rez aka Shellpoint mortgaging services during healthcare crisis and national pandemic. 

These companies deceitful acts are to be exposed and investigated. 

In response to my complaints to these companies, including to their escalations department, LM specialists including XXXX XXXX, XXXX XXXX etc, New Rez /Shellpoint issued another response dated XX/XX/XXXX which this time is unsigned. The said response was uploaded into the CFPB website by New Rez/ Shellpoint. In accordance with GBL, the consumer is entitled to know the name and the title of person responding to the consumers complaints. 

The said response stated in paragraph 4 : Loss Mitigation Department representative attempted unsuccessfully to reach you at a phone number ending in XXXX on XX/XX/XXXX and XX/XX/XXXX to discuss extending your forbearance for an additional three ( 3 ) months toXXXX XXXX, XXXX ; a voicemail was left from the XX/XX/XXXX contact attempt. 

When I again contacted Loss Mitigation, LM Specialist XXXX XXXX stated that : We cant extend the forbearance plan toXXXX until XX/XX/XXXX.. 

XX/XX/XXXX is the deadline on the current forbearance. Leaving no grace period for extension puts the loan into a possible default, and is unconscionable. 

I have sent numerous correspondence to the company requesting their official position as to why despite of the companies statement that your XXXX XXXX XXXX XXXX f//k/a XXXX XXXX   ( XXXX ) backed loan is entitled to a 12-month forbearance period total, in maximum increments of six ( 6 ) months, if you request it due to a sustained inability to make your full contractual monthly installment payment, no forbearance or any response is being provided as of XX/XX/XXXX and my correspondence is being simply ignored. 

As a retaliation to my inquiries into the companies fraudulent practices, my escrow account is being charged for insurance when my condo and HOA insurances are current and active. Copies provided to NewRez and Shellpoint. 

As such, signed response to this complaint is requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have been disputing these late remarks with the bureaus and they are ignoring me. I am wondering if the letters I sent to them are being received or just ignored. I have been asking for proof about the late remarks in my reports. Please help me get them out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: CA

Complaint narrative:
I had a credit card through XXXX XXXX with a {$92.00} balance that was paid in XX/XX/XXXX through an escrow payment when we were closing on the purchase of our new home. In order to avoid late fees, I also paid the balance through the XXXX app understanding there would be a {$92.00} credit that would be reimbursed to me because the account was closed. I had not used the card in years and the {$92.00} charge was the yearly renewal fee for the card. My statements showed a {$92.00} credit in XX/XX/XXXX and XX/XX/XXXX. I received a {$92.00} check from them in XXXX and understood that completely closed my account because the balance was now at {$0.00}. 

In XX/XX/XXXX I received notice that I had a derogatory mark on my credit from and saw that it was from XXXX. After calling them, they stated that there was a {$92.00} balance from XXXX and could not answer any questions as to how that was possible. To avoid further damage to my credit, I pad the erroneous late fees totaling {$160.00}. 

Attached are the pictures of the statements that I received - there is a statement in XXXX and XXXX showing a {$92.00} credit to my account and {$0.00} available credit because the account was closed. In XXXX the statement showed a {$92.00} balance. I never used the card and it is impossible to go from a {$92.00} credit to a {$92.00} balance with {$0.00} available credit. 

I made a request to XXXX in XX/XX/XXXX that the derogatory marks be removed from my credit given that the charges they were charging me a late fee for were not ever actually charges made and that my account should have had a XXXX  balance after the received 2 payments for {$92.00} and refunded me one of them. They rejected my request with no supporting information. 

I also made the request to Experian and XXXX and they also denied my request. 

I do not even want the money back that I paid to XXXX for the erroneous late fees, I simply want my near perfect credit restored.

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