vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX, P.A Attorneys and Counselors at Law continued to contact me after I have already notified them that I do not owe the ANY alleged debts and I have sent them a Notarized Cease and Desist repeatedly. 

Date : XX/XX/2021 Amount : {$34000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I was offered a forbearance in 2020 because of covid.This was XXXX 2020. XXXX agreed to put the amount at the end of the loan if i made themXXXX payments.on XXXX [ XX/XX/XXXX. 
I did that. they then transferred my account to shellpoint, who demanded all amounts, over XXXX. 
i did not have that. They then said i must modify. and subsequently refused to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
I had asked for the CFPB help me in gathering supporting documents from CKS PRIME INVESTMENTS of this alleged debt. I haven't received any documents from this company only letters from the XXXX credit bureaus ( XXXX, XXXX and XXXX ) stating that this account was verified. How can CKS PRIME INVESTMENTS and the credit bureaus verify not validate this alleged debt when. This company ( CKS PRIME INVESTMENTS ) has another company ( XXXX ) attempting to collect this alleged debt on their behalf. I received a letter by mail state such action on XX/XX/2021.

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 2021-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I did my best during covid to hang on. But due to my livelihood being taken away I could not continue. So XXXX months ago I was offered a forbearance. When I spoke to my bank they allowed me to continue until XXXX months ago they demanded all the money. I explained to them that I could not make payments. Yet they still refused and told me I must come up with the full amount. In violation of the CARES ACT they have now begun to try to take my home away. I deserve to be treated fairly and the solution is to put this amount at the end of the loan so I can continue to make my payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I tried to reach out to get both accounts opened back up. Capital one told me my account was subject to fraud even though Ive been a customer with them for XXXX years. They closed my account and a month later they report my credit being XXXX days delinquent. XXXX. This is preventing me from getting a home loan at this time. Im willing to take this matter to court. I want to settle this matter with simple.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: PA

Complaint narrative:
I have sent in several disputes, FTC 's letters. I have called many times to resolve these issues with the creditor and credit bureaus. I have been told that the supporting documents that I have sent in have been thrown out serval times. There have been re-investigations multiple times with no resolutions it has been well over 45 days I have also ask for verification of how they have validated these accounts and I have gotten no proof and no responses on how the credit reporting agencies have validated these fraudulent and inaccurate accounts at this point I have contacted my attorney XXXX XXXX as he will be representing me on my behalf due to the failure of the deletion and removal of these fraudulent and inaccurate accounts from my credit report as well as the credit reporting agencies absolutely disregarding the FCRA LAW AND CFPB LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: TX

Complaint narrative:
I have sent letters to the XXXX credit bureaus ( XXXX, XXXX and Experian ) disputing a collection account ( XXXX XXXX XXXX ). I asked for validation of this alleged debt for the past XXXX XXXX months. I got a written response from XXXX and XXXX stating the account was verified but no supporting documentation on how their company retained the results and Experian sent response vie email stating that their company verify that the account was accurate. I would like to see supporting documents of their finding when I received a letter dated XX/XX/2021 from XXXX XXXX XXXX that this company required the account from XXXX 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 2021-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
The mortgage company SunTrust has a site to pay your mortgage one can pay extra money on the mortgage principal the problem is their site doesn't work. You can call in and pay the exact amount or wait forever for a phone agent. This I believe is all to charge as much interest as possible. They need to be investigated.

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 2021-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: TX

Complaint narrative:
Hello, I have made a wire transfer from the XXXX to XXXX of {$1500.00} through XXXX on XX/XX/2021. I sent it to my father 's account to support my family after I got a confirmation saying that the money was sent I checked with my father and got to know that he did not receive it. 

So, I contacted XXXX support ( on XX/XX/XXXX or XXXX ) to know the status of it and while checking the recipient details I came to know that I have missed a digit in the recipient account number. Then the support person asked me to change the recipient details and told me they would pull back the money and send it to the correct account. 

Today ( XX/XX/2021 ) I contacted them again to know about the status they were not sure and said that it depends if the bank is sending the money back to them they would be able to do the pullback. They are not giving me assurance so I am raising this complaint just in case to be on the safer side. 

I know I have made a mistake but it is still my money any fees deduction is fine but can not afford to lose all my money. 

Kindly help me with this issue since it is big money for me and my family. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: CITIBANK, N.A.
State: WI

Complaint narrative:
For a year I tried to get best buy citi bank to listen to fraud claims and remove the charges. And for a year I was given the run around. I would still make payments and then in XXXX I proved I reported to police. Didn't receive the new card etc... I was in hospital and just found out from a representative that best buy citibank lowered my credit limit from XXXX to XXXX about a week after SOME OF THE UNAUTHORIZED CHARGES WERE TAKEN OFF.. I am told to wrote in to the citibank best buy credit department and I have been informed my card is now XXXX over the new limit which it wouldn't have been had I Still had the XXXX limit I thought I had. 
I have paid on time and there was no reason to lower my credit limit. This is a clear retaliation and I dont know what I'm going to do.but I do need something done In 2018 when I ordered something from a merchant. I sent in proof of emails showing I didn't receive the item and best buy citibankrequested those which u sent in. After I seen a letter saying I never sent the proof in I called and told them I had and have proof I sent it in with the fax confirmation and screen shots. When I sent thar in they still said o never sent them in and I just left it alone. This is the same story they use now. After I send in document and give them police phone numbers they still say they never received so I keep everything from recorded calls to faxes.

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 2021-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
My mortgage loan is being transferred from XXXXXXXX XXXX to Axos Bank effective XXXX/XXXX/21. My payments are current with XXXX, including the XXXX/XXXX/21 payment which is automatically posted. However, for some unknown reason, Axos transferred my loan to their books at least XXXX months early, and they now think I'm over XXXX months behind in my payments. They have charged late fees which I obviously don't deserve. I have received at least XXXX threatening letters from them. I've tried to call and resolve this issue, but all they say is " Don't worry about it '', then they send more threatening letters. I've never seen a loan transfer get so screwed up. My credit is excellent, but now I'm worried about this impacting my credit rating ( the last letter was a " Notice of Intent to Accelerate '', i.e., make the loan all due and payable now ). Furthermore, I don't want to send them any future payments until their records are correct. Nobody seems to know what's going on ( the last representative I spoke to hung up on me ). In my opinion, a bank this screwed up should be be fined or lose their license.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
On XXXX 2021 I sent a Validation of debt letter to Wells Fargo which was ignored so I sent another one in XXXX, XXXX, and finally I emailed the validation of debt letter and I still have yet to hear back from the company even after they said it would be looked at. Its been 0ver 45 days since I made this demand and they havent responded back at all. I requested a cease and desist back in XXXX 2021 which they have violated by sending negative information to consumers reporting agencies. Ive also requested my rights to rescission paperwork as well and that request has been ignored. Ive received a threatening letter that my vehicle would be repossessed as well. My rights as a consumer and the original creditor have been violated. They have violated the truth and lending act.

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 2021-11-30 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I received a notification about my credit score for Experian. The score has declined XXXX points this year and I have been paying my bills on time. Additionally the wrong information has been given regarding my name, address and employment status on my credit report has changed drastically since last month. I tried to make contact with Experian twice regarding the matter. The second time I did reach a representative but was told that the disputes department would have to handle the matter and that they were restricted by the disputes department from assisting in getting the issues resolved. More important I was informed that the disputes department placed a restriction to prevent my ability to file a dispute and that the disputes department would have to answer the questions that I had regarding my credit report. I was transferred to the disputes department and requested to speak with a supervisor regarding my concerns. The agent in the disputes department that accepted my asked for my social security number and stated that she MUST have it and be told the reason for my request for a supervisor in order to transfer. I gave a very brief explanation then heard her type a lot of information. The agent then stated " I will transfer you to a supervisor '' and disconnected the call. I tried the XXXX number I had been given by the previous department and it reached the automated system again.

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 2021-11-30 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: TX

Complaint narrative:
I have sent letters to the XXXX credit bureaus ( TransUnion, XXXX and XXXX ) disputing a collection account ( XXXX XXXX XXXX ). I asked for validation of this alleged debt for the past XXXX XXXX months. I got a written response from TransUnion and XXXX stating the account was verified but no supporting documentation on how their company retained the results and XXXX sent response vie email stating that their company verify that the account was accurate. I would like to see supporting documents of their finding when I received a letter dated XX/XX/2021 from XXXX XXXX XXXX that this company required the account from XXXX 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 non-monetary relief
Consumer complaint received 2021-11-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent letters to the XXXX credit bureaus ( XXXX, Equifax and XXXX ) disputing a collection account ( XXXX XXXX XXXX ). I asked for validation of this alleged debt for the past XXXX XXXX months. I got a written response from XXXX and Equifax stating the account was verified but no supporting documentation on how their company retained the results and XXXX sent response vie email stating that their company verify that the account was accurate. I would like to see supporting documents of their finding when I received a letter dated XX/XX/2021 from XXXX XXXX XXXX that this company required the account from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: MI

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$690.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$920.00} I have contacted each and every creditor they told me to call the credit bureau they can not give me any information on these accounts that they are saying are mine they are very rude and not being considerate of identity theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Scammers called me claiming to be XXXX, the power company. They told me that my payments hadnt gone through and that they would shut down my power if I didnt pay a verification fee. I payed XXXX dollars but the scammers said the system needed more. I paid XXXX dollars more. They said they needed my bank information to refund my money and thats when I knew they were scammers they already took {$650.00} dollars at this point and they wouldnt refund, they started getting aggresive and more threatening so I hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: TX

Complaint narrative:
On XX/XX/XXXX, my payment was due. My payment was mailed on XX/XX/XXXX. The payment was not posted until after the XXXX and a late fee was posted to the account. Today, I contact the bank to find out the ways that I can make a payment knowing full well that if I mailed my XX/XX/XXXX payments tomorrow, it would not get posted until after the XXXX. The bank notifies me that there are only XXXX other ways of sending the payment that does not include mailing it in. The only other XXXX ways is either by having my financial institution mail a check to them ( which is the same thing as a check being mailed by me ), or to pay {$10.00} for my payment to be taken by phone using my routing and account number. So I'm forced to mail the payment either 20 days before the due date, pay {$10.00} or pay a late fee of {$40.00}. This is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA closed my savings and checking account with no warning. I logged in this morning XX/XX/2021 to pay a bill online and my account was unavailable and it would not let me pay any online bills. I thought it was a glitch, so I logged in in the afternoon to see if the glitch was cleared and noticed my savings account had disappeared. I called USAA and spoke to a representative who told me it was a business decision but could not tell me why the business decision was made. The representative transferred me to a dispute department, who transferred me to someone else, who transferred me to a specialist. All I received was that there was a letter mailed out that I did not receive. All my communications with USAA has been electronically so getting a letter is not something I would expect for closing my account. No emails, No electronic online posting in my notices, and no phone call to warn me... .just a letter ( which I still have not found ). This is completely unacceptable and I will never recommend USAA to anyone again. So now I am out XXXX and have to wait XXXX to XXXX  days to get my check for my checking and savings account to pay my mortgage, stop all my direct deposits, and update all my information that had automatic payments. Thanks USAA, this is what XXXX years of service gets you. There should be better notification practice and business decision with no other explanation is complete failure. The crazy thing about it all is that I had mortgage insurance and auto insurance under USAA which was automatically taken out of the account and was never late ( probably will be now since I have to wait for my check XXXX to XXXX days. I guess that it will be late now, and that is now even now up in the air .....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: AR

Complaint narrative:
I found out my identity had been compromised because my wallet was stolen from the movie theater. I did not take the proper measures afterward. I just got a duplicate drivers license and a copy of my social security. Several years later I am receiving letters after letters of several unpaid accounts that I have neither opened nor applied for. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am not familiar with. These accounts are not mine. Please remove the following accounts and hard inquiries from my report : Accounts : XXXX XXXX XXXX {$100.00}, XXXX XXXX XXXX XXXX XXXX {$0.00} Hard Inquiries : XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX 'S XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX - Inquiry - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX - Inquiry : XXXX. 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 non-monetary relief
Consumer complaint received 2021-12-01 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: NJ

Complaint narrative:
We applied through XXXX XXXX for a Capital One credit card. It said the odds of approval were excellent. We already pulled our credit from all XXXX credit bureaus and our score met the minimum needed for this card. We applied and Capital One declined us due to " too many inquires. '' We called their reconsideration line and was declined a XXXX time. They pulled our credit XXXX and decline us for too many inquiries.

Company response to consumer: Closed with explanation