vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I have a Mortgage with Shellpoint Mortgage Services. I closed on the XXXX on XX/XX/XXXX. Because of Covid and me being unable to work I started the Loan Forbearance process by phone in XX/XX/XXXX XXXX week before my payment was due for XXXX. It took them forever to get with me to get the process started. I was told that since I have started the process that no payments will be counted late. I was approved for the Forbearance in late XXXX early XXXX with the first new payment being due XX/XX/XXXX. I have paid as agreed but they are still reporting my loan late on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: SC

Complaint narrative:
I received a validation letter from XXXX, but the company failed to disclose that I had thirty days to dispute. This is a violation under 15 USC 1692g. I want to make XXXX aware that a billing statement does not prove that I owe on the alleged debt. I am challenging XXXX to prove that the organization has rendered any services or compensation to which the company may lawfully collect. Where is the agreement to prove this matter? XXXXXXXX XXXX failure to prove this matter is considered false representation under 15 USC 1692e ( 2 ) ( B ) of the FDCPA and subject to fines under 15 USC 1692k. Again, if you all fail to produce an agreement that authorizes you to collect the debt, this considered unfair practices pursuant to 15 USC 1692f ( 1 ) and subject to fines under 15 USC 1692k. XXXX is the name on my consumer report. I want XXXX to also be aware of what 15 USC 1692j ( a ) says. It states that it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Under the penalty of perjury, did you purchase the alleged debt? Why is XXXX on the report? I demand XXXX to cease and desist all forms of communication pursuant to 15 USC 1692c ( c ). XXXXXXXX XXXX failure to comply to the FDCPA will be challenged pursuant to 15 USC 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: MD

Complaint narrative:
I am filing a complaint with all 3 credit bureaus ( Experian, XXXX, XXXX ). The current companies are not complying with their own policies in a timely matter. I have reached out to them in regard to unauthorized inquiries on my account and it has been more than 30 days and i have not had any updates.

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 2022-02-06 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: CA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2022-02-06 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2022-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft 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 2022-02-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Suntrust is saying I didnt make any mortgage payments on 2020. The only payments they provided that supposedly I made were only 2 pages of 2 payments. My payments were late but rent was paid. I have tried talking to the bank but they keep saying that I havent paid rent for the year 2020.

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 2022-02-06 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: NY

Complaint narrative:
XXXX XXXX XXXX is reporting on Equifax closed accounts as accurate and on time. Equifax is reporting closed accounts as open and on time. 
The accounts are reported daily as on-time. The accounts have no status and no remarks. These accounts need to be deleted. The closed accounts are keeping my fico and vantage score from improving and increasing due to the fraudulent scams to keep the closed accounts as open when they are not. By keeping the accounts XXXX XXXX can continue to be paid. This practice of reporting these closed accounts does not allow any financial opportunity for future credit or financial assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I XXXX XXXX was denied extension of credit by Bank of America. On XX/XX/2022, I applied for Bank of America auto financing. It is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 169XXXX ( C ) and you assume civil liability Pursuant 15 U.S Code 1691 ( K ). Bank of America has violated my federally protected rights : 15 U.S Code 1642 15 U.S Code 1681M 12 CFR 1002

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 2022-02-06 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft 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 non-monetary relief
Consumer complaint received 2022-02-06 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 am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: TX

Complaint narrative:
In XXXX, 2019 I established an account with XXXX XXXX XXXX XXXX because I was unable to pay the full amounts due on my credit cards. My payments to them started in XXXX, 2019. I have made payments to them as agreed. I have not missed a payment since my account was set up. I have monthly statements from XXXX XXXX XXXX showing dates, payment amounts, and reference numbers for each payment to every creditor. My credit reports from XXXX, Equifax, and XXXX XXXX indicate that I have been 30, 60, 90, and 120 days late on some payments. This information is extremely inaccurate! My creditors give me credit for payments they received in later months for the exact amount they received in the earlier months when my account originated with XXXX XXXX XXXX I sent copies of my statements to XXXX, Equifax, and XXXX XXXX. I have asked them to delete the inaccurate information from my records. I have not received a reply as yet. This inaccurate information has caused me to suffer extreme financial hardship. I have been denied the ability to refinance my mortgage. I have received very low credit limits and very high interest rates on my new credit cards because of these inaccuracies. Please instruct XXXX, Equifax, and XXXX XXXX to immediately delete the inaccurate information from my records! 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have had this card for about 2-3 years all my taxes and my stimulus money gets deposited on there for myself and my two children, the card had suspicious activity for hotel rooms that were not in my name but aren't fraud to this company, I deactivated and got a new one sent out that card was stolen from my mailbox and blue bird authorized someone to take that card and withdrew XXXX off that card. Now with a total of all fraud charges that XXXX did not authorize is a total of XXXX I have just today put in my 5th dispute with this company and I'm just stress and frustrated, I've made police reports, reports to the post office and nothing is enough for me and my kids to be entitled to my cash. So I did research and found u guys so I'm not only asking I'm begging for the help. I uploaded a text from the person thatstole my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management is threatening me with legal action about an account balance with them that I do not owe them. I never entered into any agreement with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I use to owe XXXX XXXX XXXX XXXX XXXX. XXXX sold my account to a credit collection agency. I called the collection agency and I paid the collection. So indigo is now paid in full. I tried disputing with all the credit agencies to take it off and or list it as paid in full in my credit report. It's still reporting negative and showing I owe when I paid it off. After disputing multiple times I called the collection agencies and they stated that when I dispute the account they contact indigo and XXXX reports negative information. I contact XXXX  and they stated they can only report whatever they been reporting when the account went u to collection. They can't report I paid it. They said they do f have authority to report anything, the collection agency they sold it to has to report I paid the account. I contacted the credit agencies back and they stated when I dispute they don't contact the agency my account was sold to, they only contact indigo because it's XXXX  credit card. I uploaded and mailed all agencies copy of my receipt. There are still negative r remarks on my report and it's not stating " paid in full ''. I'm getting the run around and I submitted proof and disputed multiple times.

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 2022-02-06 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: MI

Complaint narrative:
I purchased a service from a fraudulent company. Capital One finally issued a partial credit for misrepresented services that were never delivered. I received no receipts from XXXX XXXX, an affiliate of XXXX XXXX. I worked with Capital One for several months. Most of the time the representatives were in the XXXX. Initially, they claimed they did not receive the info and docs needed. Then after delivering said docs via fax and email several duplicated times, they then said too much time had passed to help me. These poorly trained 'out-sourced ' contractors seem to always have an alibi for not performing in my best interest. They did, however, credit my account for 2 of the 3 fraudulent transactions : merchant misrepresentation and delivering no useable results. Why not credit my account for all three fraudulent charges? Good question. To make matters worse they had the gaul to say, even at the supervisor 's level, to put the blame on XXXX XXXX, even furnishing me with their XXXX #. I have both employee name and ID #, as well as the supervisor 's. When I called XXXXXXXX XXXX I was informed by another person in the XXXX that Capital One 'does their own thing ' and XXXX XXXXXXXX has absolutely nothing to do with Capital One disputes. 

Hoping to finally get some help with the 3rd dispute, having been a loyal card holder for at least a decade, I now find myself searching for a more reliable XXXX XXXX or XXXX provider. Over the past several years I have never had such a long drawn-out hassle getting monies credited back to my account after falling for scams seen online. Please help me get my lousy {$35.00} back. Capital One used to be much more card holder friendly. You may refer to Capital One Case : XXXX. XXXX XXXX with account number ending in ... XXXX. I am so glad we consumers can still find help when others try to 'step out of line. ' Glad to see tax dollars go to good use. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-06 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
INACCURATE INFORMATION REPORTING ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: TX

Complaint narrative:
US Bank is making the process for creating automatic payments ( 'AutoPay ' ) for auto loans unduly and exceedingly burdensome, in what seems to be an effort to make more revenue from late fees at the expense of the consumer 's credit score. 

On XX/XX/2022, I got an alert from XXXX XXXX that my nearly perfect Credit Score had dropped by 32 points because I had missed a payment. I raced to my computer, pulled up XXXX XXXX, and was befuddled to see US Bank making a hit against my credit report. 

I immediately signed in the my US Bank account and was bewildered as I was sure I had set up automatic payments. As a busy startup CEO, I sometimes forget the details as I'm making life-and-death business decisions on a daily basis. But, much to my surprise, AutoPay was not turned on. My mind then raced to 3 months ago when I was in the same predicament, and realized I could not turn on US Bank 's AutoPay at this time due to owing a payment. Which is -- odd. Being a programmer by trade, I knew this wasn't a technical issue Memory coming back now, three months ago when this happened, I ended up getting so frustrated I made a {$5000.00} payment just so I wouldn't have to deal with it until after the Holidays. Well, here we are. No AutoPay, late fees in hand, plus negative 32 points on my Credit Report. 

US Bank does offer a way to download a PDF and manually put in your AutoPay information, mail it back to them, and hope that they start deducting payments on time. But when you try to actually click on the link for this PDF document, it is error 404, which is the most common error in HTTP -- a missing file. After calling US Bank and alerting them of this fact, they simply told me to try again in a few days. 

It almost feels like these series of unfortunate events were purposes set up to take advantage of those who are busy, forgetful, or unable to print PDF documents -- for the sole purpose of making more revenue off consumer fees. 

XXXX XXXX XXXX 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 2022-02-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
INACCURATE INFORMATION REPORTING ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: OK

Complaint narrative:
XXXX of this year I became 100 % XXXX. My county tax assessor told me I would no longer have to pay OK taxes. Than gave me lots of paperwork so I was informed about the free tax items I could buy and limits. I immediately notified my mortgage co., The Money Source. Gave them the information they needed plus sent them a certified envelope to ensure delivery, they received it on XX/XX/2021. I have the signed green sheet from post office. I than proceeded to call them, basically monthly. I got excuses, lies, and broken promises. I even had the tax assessor fax them another copy. The tax office received a computer generated slip saying it was received. Kept calling, they continued to blow me off, lie or hang up. So in XXXX while making my payment I included only interest. principle and house insurance, plus some additional money to go against principle. They started calling, telling me I was delinquent. If I didn't pay complete balance they would report me to credit bureau. Made the same payment in XXXX, and they didn't report me to credit bureau but did add a late fee. Now in the mean time I had filed a complaint # XXXX with the XXXX. Yesterday I received a copy of their reply to the XXXX and they said they mailed my escrow of $ XXXX in XXXX. Plus said I had a new amount to pay, less taxes. Problem is on next statement they say I owe {$1700.00} plus a late fee. Under past payment summary they show my two {$800.00} payments but as unapplied! I also received a annual tax and interest statement which shows my escrow balance and that they still have it. So they have also lied to the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Account Number XXXX Condition Paid Responsibility Individual Current Balance XXXX Original Balance XXXX Limit 0 Monthly Payment XXXX Last Payment XX/XX/XXXX Status OK Loan Term XXXX Loan Type Charge account Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Account closed by consumer Creditor Information XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone # : 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 2022-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing a complaint with all 3 credit bureaus ( XXXX, XXXX, TransUnion ). The current companies are not complying with their own policies in a timely matter. I have reached out to them in regard to unauthorized inquiries on my account and it has been more than 30 days and i have not had any updates.

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