vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am writing to file a complaint against the original creditor Walmart Mastercard/XXXX  ( XXXX ) and Capital Credit Card. The reason I am filing this complaint is that the bank closed my account without notice. In XXXX Capital One bought XXXX. Before this occurred, Walmart Sync decided to cut my credit limit from {$8000.00} to just above the balance due. 

In XXXX of XXXX, I sent a payment to XXXX for the minimum amount due. Accordingly, I mailed the minimum payment to XXXX before the due date ; however, XXXX deposited the check 1-day after the due date. Notwithstanding, I asked XXXX Customer Service if they could waive the late fee for that month. XXXX Customer Service agreed to waive the late fee with a confirmation receipt submitted via chat. The following month I received my usual monthly statement from XXXX. I expected to see the late fee removed, even though XXXX confirmed this request was approved via chat. I contacted the XXXX Customer Service Department to discuss the possible oversight. I asked about the minimum payment for XX/XX/XXXX. I also asked about the percentage for the minimum payment. The person I spoke with claimed there is no set amount for the minimum payment each month. I did finally receive a statement for that month showing an amount past due and its delinquency. The minimum amount should not exceed 3 % of the total amount for the principal. 

On XX/XX/XXXX, I was notified by XXXX that they were going to decrease my credit limit, because they received a late payment that was processed 1-day after the due date. Contrary to the fact XXXX confirmed approval for waiving the late payment. I disputed this action with XXXX and Capital One, in addition to all 3 credit reporting bureaus. However, all three credit reporting agencies declined to remove the inaccurate information. 

In XX/XX/XXXX, I received a notification via mail Capital One decided to buy XXXX. I continued submitting minimum monthly payments. On XX/XX/XXXX, I finally gained access to Capital Ones online account management portal and learned that the account was restricted, closed and no new cards would be reissued.

I would like for you to correct the amount on my credit report that shows 3 late occurrences. This is incorrect for the month of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please correct and reopen my credit lines to {$8000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
( CREDIT COLLECTION SERV ) at ( XXXX XXXX XXXX XXXX, MA XXXX ) has been sending me collection notices in the amount of ( {$650.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I started disputing my Bankruptcy on XX/XX/XXXX. At that time, none of the bureaus responded out or deleted the account. I sent another dispute on XX/XX/XXXX ; XX/XX/XXXX and again today XX/XX/XXXX. During this timeframe, the bureaus have never sent me anything of them validating the bankruptcy nor have they deleted it from my personal 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 2021-06-15 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 started disputing my Bankruptcy on XX/XX/XXXX. At that time, none of the bureaus responded out or deleted the account. I sent another dispute on XX/XX/XXXX ; XX/XX/XXXX and again today XX/XX/XXXX. During this timeframe, the bureaus have never sent me anything of them validating the bankruptcy nor have they deleted it from my personal credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I started disputing my Bankruptcy on XX/XX/XXXX. At that time, none of the bureaus responded out or deleted the account. I sent another dispute on XX/XX/XXXX ; XX/XX/XXXX and again today XX/XX/XXXX. During this timeframe, the bureaus have never sent me anything of them validating the bankruptcy nor have they deleted it from my personal 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 2021-06-15 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: NJ

Complaint narrative:
To whom it may concern, There has been some activity on my account that was never authorized by me that needs to be removed as it is fraud and never signed off by me. The following inquiries I have no knowledge of and explained to these companies and they should be removed from all credit reporting agencies. The following inquires are XXXX XXXX XXXX from XX/XX/2021 this 100 % i never went to there store and signed anything or applied anywhere.

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 2021-06-15 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: TX

Complaint narrative:
Some time ago I sent a letter regarding inaccurate and unknown things on my credit report.. To this day, well over two months later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60+ days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for a litigation due to stress you caused me. Due to my stay at home I found that my information was also impacted by Equifax data breach and may have gotten into the wrong person hands. I used this link below.

Equifax Breach Inquiry Link : https : //eligibility.equifaxbreachsettlement.com/en/eligibility

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
2020 XXXX applied for modification and was not given offer or agreement in writing. Told advocates assigned were not available and could not get offer in writing and no confirmation only trial payment not in writing of what trial payments were etc. told after trial payments would be offered same rate with 20years added to already 23 = 43 years at my rate which is higher then intrest rate of todays market. On agreed forbearance till XXXX, they then confused me needed agree to deferment for forbearance till XXXX. I XXXX  now trying to straighten out to keep forbearance till 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 2021-06-15 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: BYL Collection Services
State: AL

Complaint narrative:
Upon review of my credit report, I noticed accounts that were not valid, these accounts were not opened by me. I have disputed these accounts on all three credit bureaus, as well as with the creditor. I am providing information on these disputes. I am demanding these accounts be blocked from my credit report, due to the fact that they are not valid and/or they are not caused by me. I have filed police reports as well as made countless attempts to reach the creditors, the matter has yet to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently tried to dispute my delinquent payments on my credit file due to my XXXX. During the time of the aforesaid hardship i was XXXX XXXX  and XXXX  and was unable to make a payment because my accounts did not have autopay setup. I submitted a signed letter from the physician illustrating that i was XXXX  for the time period in question. I also submitted a letter from the nurse who was assigned to my case that supports everything the physician is stating. I got my dispute results back and they denied my request to remove the late payments. I let them know that i was only late because of my XXXX  and would have not been late if i wasn't XXXX. I tried to dispute the late payments again because i recently got a eviction notice from my current residence. I pleaded with the credit bureaus to remove the late payments because i applied to 10 different apartments in the area with cheaper rent and got denied from every single one of them due to the late payments. I notified them that i will become homeless if the late payments are not removed and i also asked for the investigation to be done promptly because i need to find somewhere to live ASAP. Its been 2 weeks after i sent the notarized letter to the bureaus that gave them 15 days to reply ( 4 weeks in total ). When i pulled my credit file i noticed that their are some inaccuracies on my credit file. Some credit bureaus are reporting the account as delinquent for one month and the other credit bureau is reporting it as in good standing for that same month. This is affecting my ability to find a new apartment or qualify for credit. I would like for my delinquent payments to be removed because i showed them evidence that i was XXXX  and explained to them that i wouldn't have missed the payments if i wasnt XXXX. I will become homeless if something isn't done and im trying my hardest for my nightmare to not come to pass. Please help because the credit bureaus are not emphatic to my situation.

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 2021-06-15 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: NY

Complaint narrative:
Ive 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 2021-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
In XX/XX/XXXX, Shellpoint Mortgage Servicing became my new mortgage provider. When I notified them, they stated I had not made payments since XX/XX/XXXX. After conversations back and forth, I decided in XX/XX/XXXX, to write a letter and attach {$5800.00} of receipts. Still, Shellpoint Mortgage Servicing DID NOT want to apply these receipts to my account. Shellpoint wanted me to repay what I already paid. Why should I? What happened to the money that I had paid to them? Finally, in XX/XX/XXXX, I was placed into Foreclosure, after I forced them to apply the payments. I have received letters stating they can help with several options, such as refinancing, deferment, reinstatement, repayment plan, etc. Each time I inquired about these options, I was told the OPTION I had was reinstatement ( pay 1 payment and catch up the entire amount ). Please note I would have preferred a prepayment plan to catch up the payments in several months, but I WAS DENIED IN TAKING ADVANTAGE OF THIS OPTION. 1 ) Currently, I would like for you to inquire about this with Shellpoint Mortgage Servicing for it appears to be unethical and illegal ; 2 ) Do you know if the government will extend Forbearance? 3 ) I read in an article, is you are in Forbearance, interest, taxes, etc. are not to be applied. These Fees are added each month to 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 2021-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital one has taken too many overdraft fees. When I tried to address that with them, they claimed I used abusive language and closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: Lending Club Corp
State: GA

Complaint narrative:
This debt was part of identity theft, I do not owe the debt, and have tried to resolve it several times with written documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IA

Complaint narrative:
Huntington National Bank was the holder of our FHA Mortgage when we sold our house at XXXX XXXX XXXX XXXX. They held an escrow account for us. 

When we sold the house and used the proceeds to pay off the mortgage, we overpaid by {$2500.00} on the balance ( due to an automatic withdrawal for the monthly mortgage payment ) and our escrow account had {$5300.00}. We were told that two paper checks would be mailed to our new address ( since we had moved ) within three weeks. 

The checks never arrived, so I called Huntington Bank in XXXX to find out where they were and have them re-issued. The mistake was that they had been mailed to the address of the home we had just sold, despite being provided our new address. We are unsure why they did not get forwarded to us by the USPS. 

So, we waited three weeks and we only received the {$2500.00} check from them, which we were grateful for, but we then called them in early XXXX to have the {$5300.00} check reissued. 

We waited three weeks for this and nothing arrived. So, we called again - it had gotten stuck " in the process '' and was never mailed. So, they reissued it, and we waited three weeks, and when we received it, it was again the wrong amount of {$2500.00}. So I called in the middle of XXXX to have the {$5300.00} check reissued again. 

It is now the middle of XXXX and we have again received another copy of the {$2500.00} check. I have called Huntington Bank to have them find some other way of getting us this money. They refused to a wire transfer or some other electronic money transfer because we do not hold a bank account with them. After requesting to speak to a supervisor, I was placed on hold for over 30 minutes - at which point I hung up. 

Please help us get our money - we need this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: T.S. Holdings
State: FL

Complaint narrative:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have reviewed my credit report and notice that there are accounts on my report that is not mine and not associated to me. I would like for the following reports that are not my accounts to be removed immediately ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: TX

Complaint narrative:
Some time ago I sent a letter regarding inaccurate and unknown things on my credit report.. To this day, well over two months later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60+ days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for a litigation due to stress you caused me. Due to my stay at home I found that my information was also impacted by Equifax data breach and may have gotten into the wrong person hands. I used this link below. 
Equifax Breach Inquiry Link : https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: CA

Complaint narrative:
SNSC was the loan servicer for one of my loans. My property taxes and insurance were escrowed and payment was not made on one of the APN ( property had two lots ). The lot was taken and I've had to pay penalties to get it back. I reached out to XXXX XXXX from SNSC by email on multiple occasions ( XX/XX/21, XX/XX/21 ) to get this issue resolved. I had spoken to her by phone prior to that as well. She told me if I sent in the property tax bill they would refund me but even after I did there was no response. It was their fault my lot was sold and I had to pay fees to get it back so they should take responsibility for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: National Credit Adjusters, LLC
State: AL

Complaint narrative:
Upon review of my credit report, I noticed accounts that were not valid, these accounts were not opened by me. I have disputed these accounts on all three credit bureaus, as well as with the creditor. I am providing information on these disputes. I am demanding these accounts be blocked from my credit report, due to the fact that they are not valid and/or they are not caused by me. I have filed police reports as well as made countless attempts to reach the creditors, the matter has yet to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: FL

Complaint narrative:
I have been a XXXX and XXXX XXXX card holders for over 3 years combine. I have never been late until the last year XXXX, and the reason for my lateness are because I was laid off from work and I had no source of income. I had to use my Credit cards to survive and stay afloat, in the process I missed a payment or two. I payed both cards complete off. 

In XX/XX/XXXX I was still laid off and couldnt obtain any suitable job, and the worst was yet to happen. On XX/XX/XXXX I lose both my XXXX  and XXXX to XXXX and I use my credit cards again to pay for theyre funeral and in the process I was late again. I am asking please give me this one time good will adjustment I learned from my mistake Ive set up automatic payments with all creditors and been paying on time. The late payments are hindering me from getting approved for a mortgage loan and auto loan which I desperately since my lease is almost over and my vehicle broke down. Please I beg you to consider a late payment forgiveness towards 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