vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-15 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have disputed through XXXX and XXXX XXXX regarding my Wells Fargo Dealer Services and XXXX XXXX XXXX. I have asked that these be removed from my credit report. If the account is marked current and/or closed why can't it be removed? I have asked over and over 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 2021-10-15 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - CHARGE OFF XXXX/XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - CHARGE OFF XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1800.00} - COLLECTION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
In an attempt to verify debt collection on my credit reports I disputed the item on all three bureaus. The next day they contacted me harrassing me about the fact that I had disputed the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. Collections West, Inc.
State: SC

Complaint narrative:
I went through proper channels and submitted a dispute for this item to all three credit bureaus and immediately was contacted by the debt collector and harassed about submitting the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources
State: SC

Complaint narrative:
First Point Collections Resources is in violation of the Hippa Law and the Fair Credit reporting Act. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. I received a summary of charges listing medical record number, XXXX, XXXX  and type of XXXX as validation of debt from them. First Point Collections is purposely causing me mental and emotional stress by having procession of my medical information, that can be seen by any their employees at any time and intentionally destroying my credit by placing 12 accounts on my XXXX report. I have included all certified letters sent to them. Along with final letter received by them on XX/XX/2021 requesting Any agreement with their client XXXX XXXX XXXX XXXX XXXX that grants them the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; AND SEC. 1340 ( 1 ) BREACH OF SECURITY. And a copy of any HIPAA authorization. Their response was to continue to send me documents that clearly violates the HIPPA Law. First Point Collections has left me choice but to file complaints to the organizations that are in place to protect the rights of the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NC

Complaint narrative:
Our mortgage payment went up after only making our first 4 monthly payments. Amerisave Mortgage said we were short on escrow? How we just got the loan in XX/XX/XXXX first payment made XX/XX/2021 After all the approvals, underwriting, finance charges HOW could our payment go from $ 704 monthly to now as of XX/XX/XXXX it is now {$870.00} a month. 
We were suppose to be saving money. Our new payment is more than the old mortgage payment before we refinanced. 
Something isn't right. Amerisave will not contact us.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was checking my credit report and I saw that my credit score is low. I have no idea why I see that information on my account. I didn't applied for anything. I believe that someone used my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WI

Complaint narrative:
I received a letter from debt collector, XXXX. I called XXXX because I am in complete disagreement that I owe any debt. XXXX told me that they had no information regarding the debt other than they were directed to collect the debt. The debt description was " XXXX '' on the letter, I called XXXX to research and understand the debt. XXXX went through their records and found that I have NEVER owed any money to XXXX, there has never been any debt owed from me to XXXX. So I called Jefferson Capital who claimed to have purchased the debt from XXXX and then redirected the debt to XXXX. Jefferson Capital was adamant that I owed them the debt and that regardless what XXXX said, my debt had been sold to Jefferson Capital. Jefferson Capital claims they sent me a letter in XX/XX/2021 to collect the debt and I never responded. So now in XX/XX/2021 I received a letter from XXXX to collect the debt. I immediately reached out to XXXX to understand what the debt was all about. 
I completely disagree with this debt and collection - I have no credit with XXXX, never have. I believe Jefferson Capital is acting fraudulently claiming I owe debt that I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
My identity was stolen in XXXX and I am still attempting to get certain incorrect information removed from my report that resulted from the fraudulent activity. I first filed a police report regarding a fraudulent Exeter account in XXXX but the account has remainined on my report thus far. I learned that the account could also be disputed with the bureaus as well. I began disputing with XXXX and XXXX in XXXX of this year, and I have sent monthly dispute letters via certified mail. I have also reached out to Exeter directly multiple times in order to point out that this account was opened by someone who had stolen my information. My first letter to Exeter was sent on XX/XX/XXXX via certified mail ( XXXX ). When this letter went unanswered I sent a follow-up estoppel by silence letter on XX/XX/XXXX. I received a response from Exeter where they requested some information from me such as my SSN, picture of ID, and FTC affidavit which I was more than happy to supply. I faxed them over the requested documents on XX/XX/XXXX. Despite the police report and FTC affidavit I supplied, Exeter has NOT removed the fraudulent account, nor have they provided me with any explanation on why they could not remove the information. I am simply trying to fix the errors on my report and move on with my life. It is a FCRA and FDCPA violation to continually report this disputed account which resulted from Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SN SERVICING CORPORATION
State: NJ

Complaint narrative:
I recently tried to sell my property prior to foreclosure based on the payoff statements I received from SN Servicing. I based the cost of the property on the payoff letters I received from SN servicing on XX/XX/XXXX ( {$340000.00} ) and XXXX XXXX ( {$350000.00} ) The week the closing was to occur XX/XX/XXXX but I disputed a sheriffs commission charge of {$6900.00} that I successfully had removed. This should have bought the final payoff amount to appx. {$340000.00} but the next payoff amount after the commission was removed was {$360000.00}. 

I was told the amount went up because of post judgement interest that had never been included on any of the previous payoff amounts. 

Now the buyer may back out because SN servicing is trying to escalate the foreclosure process so the commission fees will be added again and the property will be auctioned off vs having the mortgage paid off. 

I tried to contact SN Serviciing on XX/XX/XXXX and they stated that the additional charges were for attorney fees and that the balance just needed to be paid. 

Can anyone explain why the previous payoff amounts never included post judgment interest charges and the per diam amounts were significantly less? 

I have copies of all payoff amounts if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have disputed through Experian and XXXX XXXX  regarding my XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have asked that these be removed from my credit report. If the account is marked current and/or closed why can't it be removed? I have asked over and over 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 2021-10-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To whom it may concern XXXX XXXX XXXX a natural person, consumer and original creditor pursuant to 15 USC 1692a demand you to remove all late payment ( s ) from Account XXXX. Be advise pursuant to 15 USC 1666b ( a ) ( b ). A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Also pursuant to 15 USC 1602 ( i ) ( m ) ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit. 


I am notifying you in writing that I would like these late payment ( s ) removed immediately. I am also demanding that you reframe from ever reporting another late payment ( s ) future wise. I hope that you comply and that this issue will be resolved and handled here amicably

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: LEXISNEXIS
State: GA

Complaint narrative:
To whom it may concern XXXX XXXX XXXX a natural person, consumer and original creditor pursuant to 15 USC 1692a demand you to remove all late payment ( s ) from Account XXXX. Be advise pursuant to 15 USC 1666b ( a ) ( b ). A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Also pursuant to 15 USC 1602 ( i ) ( m ) ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit. 


I am notifying you in writing that I would like these late payment ( s ) removed immediately. I am also demanding that you reframe from ever reporting another late payment ( s ) future wise. I hope that you comply and that this issue will be resolved and handled here amicably

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: PA

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

CAP1/WMT XXXX Balance : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Servatus Corporation
State: NY

Complaint narrative:
A collections account was reported to the credit bureaus in the amount of {$450.00}. I sent proof to the collection agency that the account was paid in full a year earlier, however, I have still not received confirmation that the derogatory and patently false notation would be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC
State: FL

Complaint narrative:
On XX/XX/2021 at XXXX I called Movement Mortgage regarding my home loan requesting information for loan repayment assistance as I have recently lost my job by no fault of my own. I was told by Movement Mortgage loss mitigation team that I would receive a package in 7 days and also have access to it on their loansolutioncenter.com website. I never received the package via mail and the website was never updated. I contacted Movement Mortgage again on XX/XX/2021 at XXXX inquiring again about the loan assistance package. I requested an email copy which I was told could be done. Again I was told they would request another one mailed to me and it will be available on the website within 5 days. No email ever arrived but did receive my XX/XX/2021 statement. Made another request on XX/XX/2021 at XXXX and this time someone from the loss mitigation department told me they are no longer able to upload the documents to the loansolutions website and can only be sent via mail. I asked for someone to call me back for other means of receiving this info. I was told by the Movement Mortgage rep that he could not confirm when that call back would be. On XX/XX/2021 called asking about the documents and requested a call back from the loss mitigation team which I never received back as I was told by the customer service department that they are the only ones who can assist in this matter. Made another call on XX/XX/2021 at XXXX requesting to speak with a manager or someone who could figure this out. Only got same runaround that no one from the loss mitigation department was available and they couldn't figure out why I haven't received the package. Spoke with 4 different people who said that I should have the documents on their website to review which I had to tell them it has never been updated. It took 45 minutes to get a manager on the phone who was incapable to contacting or unwilling to contact the loss mitigation for the paper work I needed to request loan assistance. 

I have also called the agent who sold me the loan multiple times for any help with this, XX/XX/2021 at XXXX XX/XX/2021 at XXXX XX/XX/2021 at XXXX XXXX XXXX at XXXX Never recieved a call back from this person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: NY

Complaint narrative:
One of my credit cards, XXXX updated my status and the {$39.00} balance which resulted from an annual, was credited to my account so my balance went to {$0.00}. 
As soon as the balance went to {$0.00} my credit score dropped about 37 points.

What it said on my report is that I might have closed an account.

Why would that affect my score by so much? Because I have {$0.00} balance on all my credit cards my score drops? Who makes up these rules?

I have tried calling them and they won't respond!!!

All I get is a hang up.

So absurd they they can do whatever they want.

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 2021-10-15 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Victoria secret is erroneously reporting incorrect late information to my account as I have paid them off and have a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I was promised a welcome bonus of XXXX points for getting applying for Amex XXXX XXXX card from American Express when I meet the spending requirement which they confirmed I did. However, they still have not posted the points and waiting for them to resolve the issue for the last 6 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
I have had a forbearance on my home mortgage since the beginning of COVID. I have also been unemployed since the beginning of COVID. I was told on XX/XX/2021 by a bank employee that if I made 4 payments and got my missed payments down to 12 that I would be eligible for an unemployment forbearance. I was also told to call after the Federal holiday in XXXX and arrange the 4 payments and then I would not have a payment due until XXXX. I called today, XX/XX/XXXX, and talked to 5 different bank employees. The first 4 denied that there was any unemployment forbearance available and that all payments were due in full immediately. I was told that I would NOT qualify for anything else because I was still unemployed and already have a second lien by HUD on my mortgage. The 5th person I talked to said there is an unemployment forbearance available separate from COVID that exists for customers. I said that is what I need. I was told that I would not qualify and it wouldn't help me. He said that at the end of the month demand letters would be going out to all people who are 4 months behind in their mortgages. He said " If you want us to put handcuffs on you, we will. '' This is an outrage. I am able to make 4 or 5 or even 6 payments today. He told me that those payments would not help me and I would just lose the money. This is predatory lending. This is a problem. I hope the United States Dept of Treasury hurries up and puts in place some protections for people like me.

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