vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
Insurance/Mortgage Fraud by New REZ ( now different name, keep changing names ), Shellpoint ( Servicer ). Took 126 acres raw land additional beyond land associated with the home approx 40 acres. Could not sell, nor tap equity, now abundant with current market. XX/XX/2021 began 4 month seize of vandalism harassment to home. State police/sheriff refused service to my countless complaints regarding incidents. Felt my duty to protect FHA responsibility. No one will assist. Did not receive insurance payout for claim to repair home. Mortgage payment is for entire 168 acres. The bank unknowingly purposely took additional value of land for unknown purpose/back deal. All part of the harassment to get me to walk from my home. When I originally purchased additional land was for investment. Land 168 divided into 4 parcels - 1 parcel devoted to home. I need additional released from this land to sell without a lien.The bank has refused a release. Bank demanding a survey. The county clearly has identified 4 separate parcels. One for home. I am currently in temporary forbearance plan as I navigate my options. My credit is now in bad shape due to elder finance loss and exploit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent a letter on XX/XX/2021, regarding erroneous and unexplained items on my credit report, and I have yet to receive a response after more than 60 days. I feel like I'm being exploited and my disputes are being ignored. It is clearly stated in Section 611 ( a ) that failure to investigate these matters within 30 days gives a justification to remove those items from my credit report. You must complete this investigation within 30 days of the receipt of this letter. According to law unverifiable inaccurate accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation you must remove the accounts and or the information listed below. Thanks for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have a Sony Visa card from Comenity Bank. 

I have had this card registered for autopay ( that is, to have my payment taken from my checking account automatically ) since XXXX. In XXXX of XXXX, I used this card to make a payment of approximately {$7.00}. 

Comenity Bank failed to process the autopay. Instead of processing the autopay, they held the debt as unpaid. In addition, they failed to provide me with a statement at the end of the month. 

Since Comenity Bank never notified me that they were going to cancel or stop taking my autopay, I believed that my bill had already been paid. I was shocked when, in XXXX of XXXX, I started receiving phone calls regarding an unpaid bill. I exorcated Comenity thoroughly for not taking the autopay as they should have and paid the bill directly. 

I recently found that Comenity has reported a delinquency on my credit report. I should not have a deliquency because of Comenity 's failure to take my autopay. 

I want the delinquency removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I talked to Equifax today, they said I could not dispute my hard inquiries. They advised me to speak with the lenders. I would like to dispute my unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is an old outdated account that is past the statute and unverifiable and still remains on my credit file. I have disputed this several times with nothing back. 

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 2021-09-07 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On XX/XX/2021, I sent Experian a letter disputing the inaccurate information of the XXXX XXXX account that they are reporting. It has been 30 days and I have not received any update or results from my dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I called Resurgent Capital to pay a debt XXXX. I paid the debt associated with XXXX  XXXX XXXX  ( XXXX ). Then I get a letter in the mail saying I owe XXXX. Threatening to sue me and they want a transfer from XXXX from my checking. I am on XXXX  SSDi ive never have a credit debt half that large. I am low income and Im afraid what there gon na do. This is Fraud the name of the debt collector is RESURGENT CAPITAL SERVICES L.P. XXXX XXXX XXXX XXXX SC XXXX phone XXXX They forged a document a d made up a lie amd they are threatening to sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There is an old outdated account that is past the statute and unverifiable and still remains on my credit file. I have disputed this several times with nothing back. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is an old outdated account that is past the statute and unverifiable and still remains on my credit file. I have disputed this several times with nothing back. 

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 2021-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Ive had a Capital One credit account for over a decade. I lost my wallet in XXXX  and when I called them to get a replacement card, they said I had to pay my balance off in full since my card was restricted. So it took me two years but I finally did it. I called them to please unlock my card and give me a replacement and they told me I am permanently restricted on this account so all I can do is apply for a new card. Why would they put me through that if I was never to get my account back? My balance is completely at XXXX and had I know I am being told this can never be reopened I would have let the account just go to collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Keynote Consulting, Inc.
State: IL

Complaint narrative:
My ward received services at XXXX XXXX XXXX XXXX in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I first started receiving bills in XXXX and XX/XX/XXXX, by a company called XXXX XXXX XXXX XXXX who claimed they were the billing company for XXXX XXXX XXXX XXXX. These bills were paid. On XX/XX/XXXX, several months after services had ended, and in the middle of a global pandemic I received an emailed bill. I noticed immediately that the bill was incorrect, payments had been applied wrong. I spent over an hour on the phone with a Ms. XXXX XXXX who claimed that the issue was with how insurance was applied and that the issue was going to be resolved. She stated that things would be slow due to everyone working from home and not having accurate access to records during the pandemic, and shut down. To confirm this Ms. XXXX XXXX sent me an email on XX/XX/XXXX, four days after our conversation, with an updated invoice and the invoice showed balance of XXXX. I have both the email and the invoice. There were no further communications, and since the issue was resolved and the balance showed XXXX, I assumed all was well. I received no further communications. Around XX/XX/XXXX, almost a year later I received a phone call from a collection agency ( Keynote Consulting Agency XXXX XXXX XXXX XXXX, XXXX, Illinois ). The collection agency claimed that they had been contracted by XXXX XXXX XXXX XXXX  to collect a debt. I told the debt collector that I was disputing the debt, and that I was requesting debt verification, including a copy of the last bill sent to me by the original creditor, and I further asked that proof be provided that Keynote Consulting had been contracted to even collect the debt. I further put this in writing and mailed to the address on file for the debt collector. I heard nothing back from Keynote, additionally to this day nothing has been provided that even proves that Keynote has been contracted by XXXX XXXX XXXX XXXX to collect any debt as part of services rendered, even though this information has been requested. On XX/XX/XXXX, I noticed that Keynote Consulting Agency, after failing to provide debt verification, as required, they reported this collection activity to the three primary credit bureaus ( XXXX XXXX XXXX  ). Attempts to resolve these issues from both the original creditor and debt collection agency has failed. Not only are both parties violating the Fair Debt Collection act, XXXX XXXX is also refusing to even provide basic contact information about their agency or even proof that they have been contracted to collect a debt from XXXX XXXX XXXX XXXX, which again is a debt that is false. 
Please note the very last invoice shows a balance of XXXX. There were no further invoices after 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 2021-09-07 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: TX

Complaint narrative:
I have submitted several disputes with Experian and it seems as if they are not conducting an actual investigation/research as they always send a general response by email stating updates have been made ; however, these updates are incorrect & on many I dont see the updates that took place when comparing the account before the dispute & after it was completed. One this specific dispute, I included a document from the collection agency stating they decided to close the account and that they will have it removed from the credit reporting agencies. I submitted the dispute directly once I identified it was still reporting and once again Experian sent a general response stating the account was updated and the item was not deleted. I called customer service and spoke with XXXX who confirmed the dispute letter along with the document from the collection agency was received. He stated an investigation did in fact take place but it was verified it was correct. I am not understating how it can be correct and not deleted even when supporting documentation is provided. Based on this dispute and others I have submitted, it is clear that there is no actual research being done which causes a negative impact to consumers daily. I am submitting this complaint as Experian needs to be investigated and audited to ensure this does not continue to happen. It is very concerning especially when there is supporting documentation provided and the results are still the same.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA

Complaint narrative:
I spoke with the company on XX/XX/XXXX that I have never received a bill for the said amount that appeared on my credit file on XX/XX/XXXX from a balance due in XXXX of XXXX. The rep gave me the address that they sent the letter to which I have not lived in over 10 years. My current address has been updated with the post office for over 5 years for my current address. I am disputing this being reported on my credit file as the company never notified me that there is a balance due nor have a received any contact by phone.

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 2021-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
Bad Warranty Car Vehicle was bought /signed for the amount of {$8300.00} from used car lot. My name was copied and pasted unto more paperwork stating that I would pay back double that amount. No way would I have signed for that. Within 1 month of purchasing the vehicle the car started acting funny. I took it back to the place and the one who sold me the vehicle no longer worked there. I do know " Lemon Law. '' The North Carolina Lemon Law, also known as the New Motor Vehicles Warranties Act ( N.C.G.S. It requires manufacturers to repair defects that affect the use, value, or safety of a new motor vehicle within the first 24 months or XXXX miles ( whichever comes first ). I was told that the car was sold " AS IS '' but I asked them where was the paperwork saying " As Is ''. I called Credit Acceptance and they said they couldn't do anything about the issue as well. 5 months down the line, the vehicle gave out at work. The car wouldn't start, the wheel wouldn't turn and also the wheel locked up. I called Credit Acceptance right than and there. As you look at my paperwork, how my name is signed, that's not my handwriting. Back in 2016, Credit Acceptance went through XXXX of lawsuit loans. Meaning their loans were bad. Credit Acceptance didn't tell the truth to the investors when loans were given out.

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 2021-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I opened a checking account with chase last Friday night. Obviously I knew there was a long holiday weekend. I did notice a hold on a measly XXXX check I deposited from one of my other checking accounts from XXXX. Explanation from the company was the hold was due to not being able to get the money from XXXX quickly enough. Which is odd to both XXXX and myself- as they pulled it and said there is zero problems on their end and they chase is lying. Chase says now that I cant even access the money until XX/XX/XXXX. Thats twelve days after the deposit- I dont care that weekends and a holiday were included thats NOT what you advertise when you speak about mobile deposits. I also was told by the app itself that you were going to deposit money into XXXX and pull it and that I had to verify it. Funny you can place holds ASAP on a check but cant deposit the small amounts you said you were going to so that I could verify that bank. Also this card company has NO issue with either of my other two checking accounts XXXX  or XXXX  when it comes to paying their credit card I have with them. Then they dont have an issue with those other banks. So when theyre getting paid from these banks they dont verify anything but I was told IN their secure message center on the app from some cs guy yesterday that I need to call loss prevention about fraud. Is this bank for real? Why should I even direct deposit or deposit anything else when they are lying and another bank said they were. If they dont get this fixed - they can close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: GA

Complaint narrative:
Put in a Dispute for a fraud account with Experian. The customer service representatives, after calling twice ( XXXX & XXXX ) would not help and take care of this fraud account on my credit report. I have purchased fraud protection and other fraud products from this company to prevent this from happening as I have been a victim of identity theft.

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 2021-09-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I got a call XX/XX/2021 from phone number XXXX ( identified as being from XXXX ) saying my amazon account was frozen due to a fraudulent purchase.

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 2021-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My account with Suntrust was closed over 30 days ago with all my money In it. I have not received a letter by mail and everytime I call no one can tell me whats the issue or when I will receive my money. Its not fair all my hard earned money is gone from both my checking and savings, I need to pay my bills.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
This company, Fair Collections Outsourcing calls me indicating I have unpaid debt and continues to try and have me provide my ssn. I don't miss monthly payments for my obligations and any debt they're stating doesn't add up. When XXXX inquiry why they need my ssn if they contacted me they say that they can't locate the account. I feel like I am being scammed.

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 2021-09-07 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Back on XX/XX/2021 I applied for a XXXX credit card to make a purchase from a private seller for an item. In two weeks time I never received the item. I tried to contact the merchant numerous with each time no response back whatsoever, so I disputed the claim. On XX/XX/2021, I received a letter saying the dispute was in my favor. I got charged again for the amount and filed another dispute and this has been going on for several months back and forth. Today XX/XX/2021 the XXXX credit card charged me again due to the Merchant not accepting refunds or cancellations. XXXX credit card will not help me whatsoever and wants me to pay for the amount for an item I have not received.

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 monetary relief
Consumer complaint received 2021-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Payments have been repeatedly misapplied to interest only. This has occurred with our current mortgage servicer, Shellpoint Mortgage Servicing, and Shellpoint advised us that this procedure had been ongoing with previous mortgage servicers. We sent a certified letter bringing this issue to Shellpoint 's attention with no response. We've repeatedly contacted them by telephone with no response. They said they would perform a payment audit of which we never received results. This is a thirty year mortgage, beginning balance of {$78000.00}. After twenty years, the mortgage still maintains a balance of {$69000.00},

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation