vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: ME

Complaint narrative:
I have a XXXX XXXX backed mortgage and my servicer is Shellpoint. I completed my trial payment plan over 40 days ago. I am waiting for the approval, terms and amount of my monthly payment and documents since then. When I contact Shellpoint they only tell me my account is in escalation. They will not give me a timeframe to approval of the loan modification or when the forms will be sent to me. My fear is that this is continued poor compliance of Shellpoint re. Federal guidlines for COVID loan modification and they intend to use this delay to again fraudulently report me to the credit bureaus as delinquent or attempt to foreclose on my home as they threatened in a letter sent to me when I started the trial payment plan. In this letter they advised me that foreclosure was imminent. I would like to put the financial instability from the pandemic behind us and resume my mortgage without threat of foreclosure of ruin of my credit score. Shellpoint needs to complete my loan mod and inform me of the terms and provide the documents so I may meet my end of the compliance of 30 days to returns the docs. 

I can provide the foreclosure notice if needed to prove that Shellpoint threatened this during a moratorium.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: DFC Global Corp.
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I submitted a complaint that the denials on my Bank of America debit card. They declined the card and cost me XXXX dollars. Three people hung up on me after I told them this and they said they couldn't do anything.

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 2021-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I became fully XXXX in XXXX. None of this was by choice ; unfortunately I became very ill. After recovering from the first event, I notified XXXX of the situation. I applied for Total and Permanent Loan Discharge. For some reason unknown to me, the application for TPD never went thru. XXXX continued to report all kinds of different late payments on my credit reports. Not only did they report late payments, but none of it makes sense at all on how its reported. Some of the accounts were being reported never late and some late all the time. Some of the accounts went from not late to 120 days late. It does not make sense. All of this is 100 % incorrect and needs to be corrected. 

I have sent information to all 3 credit bureaus showing complete discharge of all student loans due to Total and Permanent Disability. When the credit bureaus contact XXXX, someone within the company is reporting that my information given is not correct and the credit bureaus state that the debt is still owed. I have submitted the information received directly from XXXX and from the Department of Education!

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 2021-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I became fully XXXX in XXXX. None of this was by choice ; unfortunately I became very ill. After recovering from the first event, I notified XXXX of the situation. I applied for Total and Permanent Loan Discharge. For some reason unknown to me, the application for TPD never went thru. XXXX continued to report all kinds of different late payments on my credit reports. Not only did they report late payments, but none of it makes sense at all on how its reported. Some of the accounts were being reported never late and some late all the time. Some of the accounts went from not late to 120 days late. It does not make sense. All of this is 100 % incorrect and needs to be corrected. 

I have sent information to all 3 credit bureaus showing complete discharge of all student loans due to Total and Permanent Disability. When the credit bureaus contact XXXX, someone within the company is reporting that my information given is not correct and the credit bureaus state that the debt is still owed. I have submitted the information received directly from XXXX and from the Department of Education!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I became fully XXXX in XXXX. None of this was by choice ; unfortunately I became very ill. After recovering from the first event, I notified XXXX of the situation. I applied for Total and Permanent Loan Discharge. For some reason unknown to me, the application for TPD never went thru. XXXX continued to report all kinds of different late payments on my credit reports. Not only did they report late payments, but none of it makes sense at all on how its reported. Some of the accounts were being reported never late and some late all the time. Some of the accounts went from not late to 120 days late. It does not make sense. All of this is 100 % incorrect and needs to be corrected. 

I have sent information to all 3 credit bureaus showing complete discharge of all student loans due to Total and Permanent XXXX. When the credit bureaus contact XXXX, someone within the company is reporting that my information given is not correct and the credit bureaus state that the debt is still owed. I have submitted the information received directly from XXXX and from the Department of Education!

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 2021-10-14 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: Financial Credit Network Inc
State: CA

Complaint narrative:
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: MS SERVICES LLC
State: CA

Complaint narrative:
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
CREDIT COLLECTION SERV, is attempting to collect a debt that does not belong to me, I have never done business with this company or their original creditor insurance. I believe this is Fraud.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

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 2021-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NV

Complaint narrative:
Collection from sunrise showed up as owing {$120.00} to XXXX XXXX. This is a fraudulent company, showing the XXXX in front of the XXXX. There are many reports on XXXX forums and XXXX  about sunrise and their fraudulent claims. Did not have this account believe to be fraud

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 2021-10-14 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: USCB, Inc.
State: CA

Complaint narrative:
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have to tried to resolve this issue with Wells Fargo Dealer SVC. They have been reporting unauthorized information on my consumer credit report causing me harm to my reputation, mental anguish and have made it difficult to obtain credit. Account XXXX does not belong on my consumer credit report. I have disputed the accuracy of this alleged debt with the consumer reporting agencies of XXXX and XXXX and they report this account as " verified '' when I request " validation '' of this alleged debt. On XX/XX/2021 I sent a letter to Wells Fargo Dealer SVC demanding Validation of this alleged debt. They have failed to respond to me with any form of validation. This account continues to erroneously be reported on my consumer credit report and it must be deleted from my report. It continues to cause criminal harm to my reputation over this alleged debt. This is a violation under 15 USC 1692d ( 1 ) and ( 3 ). I demand this account be deleted.

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 2021-10-14 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: R & B Corporation of Virginia
State: CA

Complaint narrative:
I never have an account with these collector/creditor. I tried to contact them several times and ask for proof of ownership but they are failed to send me necessary documentation to prove that I really own this account.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I have fraudulent charges on my credit card with Wells Fargo. Wells Fargo can not seem to get their act together and properly tag ALL the fraudulent transactions on the card. This is ridiculous. Someone needs to call me to ensure all the charges are correctly tagged and this is handled. I also LOST my sign up bonus with the card being changed with a new card number and it says I have zero rewards when I had earned my {$200.00} bonus and it was pending.

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 2021-10-14 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: Convergent Resources, Inc.
State: CA

Complaint narrative:
I never have an account with these collector/creditor. I tried to contact them several times and ask for proof of ownership but they are failed to send me necessary documentation to prove that I really own this account.

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 2021-10-14 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: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I never have an account with these collector/creditor. I tried to contact them several times and ask for proof of ownership but they are failed to send me necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: ERC
State: CA

Complaint narrative:
I never have an account with these collector/creditor. I tried to contact them several times and ask for proof of ownership but they are failed to send me necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I never have an account with these collector/creditor. I tried to contact them several times and ask for proof of ownership but they are failed to send me necessary documentation to prove that I really own this account.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
I never have an account with these collector/creditor. I tried to contact them several times and ask for proof of ownership but they are failed to send me necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I never have an account with these collector/creditor. I tried to contact them several times and ask for proof of ownership but they are failed to send me necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
That credit card accounts are open by frud and compromise on the XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: NCB Management Services Inc.
State: CA

Complaint narrative:
I never have an account with these collector/creditor. I tried to contact them several times and ask for proof of ownership but they are failed to send me necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I never have an account with these collector/creditor. I tried to contact them several times and ask for proof of ownership but they are failed to send me necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Bill payment date set for XXXX starting XX/XX/2021. Wells Fargo sent two payments on wrong date of XX/XX/XXXX. Lengthy calls on that date only to be told Im sorry nothing can be done, its electronic. Being on XXXX I borrowed money to bring current for this mistake. XX/XX/XXXX Wells Fargo sent the same two payments again. I have received the same apologies and a long list of what they can not do to fix it. I dont have the ability to borrow again and has caused a severe hardship. Now they are charging NSF fees for this mistake. They refuse to escalate the call and the branch refuses to investigate. They wont close the account because of the negative amount caused by Wells Fargo. These payments would actually be payments that should have been processed XX/XX/2021 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 monetary relief