vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
We are currently facing a impending foreclosure on our home and residence. On XX/XX/XXXX l received a certified letter which read " Notification of our plan to sell property '', which will be included with this complaint. This is the first correspondence of this type received. 

When Ditech Mortgage XXXX  folded several attempts were made on our part to fix and repay delinquintcies of our mortgage. Or some sort of repayment arrangement with the Shellpoint Mortgage Servicing company starting in XXXX. This was because of a letter received from Ditech Mortgaging XXXX, instructing us NOT to make payments to them. As they were going out of business at the time.

Each time that Shellpoint was contacted we were transferred to an extension in their company. Supposedly the case worker working our case, where everytime meeted by voicemail. Leaving a message, each time expecting a call back ; none was received. The last time before the above letter was received was on XX/XX/XXXX. Following my wife 's XXXX XXXX, we were to call back two weeks later. This was because she was just coming out of the hospital. Called Shellpoint back with an extension to call two weeks later to the day. Call went to voicemail again and left another message asking them to call us back. No return call was received again. Keep in mind each time Shellpoint was contacted there was a different extension, and different case worker.

Shellpoint also said over the phone on XX/XX/XXXX that at the beginning of this that they had sent me a welcome letter. This letter supposedly discribed when and where to send payments. No such letter was ever received. 

I feel that we made every attempt to try and resolve this matter. Shellpoint Mortgage Servicing 's way to solve this is to go ahead and sell and foreclose on the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: MS

Complaint narrative:
on XX/XX/2021, i sent letters to transunion and XXXX  about the inaccurate items as well as the unauthorized inquiries reporting on my credit report.i sent it off usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX.these negative items are stopping me from getting a home and car, plus added stress causing me to go to the doctor more for medication

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 2021-08-26 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: MI

Complaint narrative:
The Bureau is reporting inaccurate information on my credit report and hasn't responded back to me concerning a letter I mailed on XX/XX/2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: MI

Complaint narrative:
The Bureau is reporting inaccurate information on my credit report and hasn't responded back to me concerning a letter I mailed on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX of 2019 I opened an account with XXXXXXXX XXXX XXXX, I was making my payments up until I came across finacial instability due to The COVID-19 Pandemic. I learned that under The CARES Act my rights were being violated in which no negative remarks should of been reported. Furthermore, I learned that The HEROES Act reinforces this and even more adds restrictions on reporting and debt collecting. I have already paid this account off but upon learning about The HEROES Act I realized it was a violation of my rights to be reported negatively and collected on during The COVID-19 pandemic. Now, that i have payed off this account I am still seeing that late payments are being reported and this is a violation of my rights under The HEROES Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK
State: NC

Complaint narrative:
I have tried for 8 months to get the 3 credit reporting agencies to delete the late/ non payments that are listed on 3 of my accts : XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX I agreed with 3rd party Freedom Debt Relief to pay off these 3 debts and they made many ( 10-12 ) late/non payments which now shows up on my Credit Report I paid off Freedom Debt Relief and all 3 of these accts HOWEVER these Late/non payments are on my Credit Report and hurting my credit score when I was NOT AT FAULT I need these deleted NOW I am trying to buy a house now and my scores will be much higher when these are removed All of this is well documented and URGENT that it be Corrected Thank YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX I walked into my local Chase bank and sat with an officer who reviewed my information and verified my veteran status. We proceeded to create an account without any issues. A week later, I receive a letter from Chase notifying me that my bank account is to be closed without reversal of their decision. On that notification letter nor via the call center or branch office did they provide me with a reason why. I've called and haven't gotten a response other than 'Chase does not let us know why '. I do have an Amazon Chase credit card which is still active. But yet, I have no response as to why close the bank account. I own my own home, have ok credit, stable income and a reliable career, along with veteran designation and I do banking with another institution as well. I don't have anything crazy on my credit reports either. I've never been involved in a crime or have any judgements against me. I just want transparency to understand where their decision stems from, other than the assumption that they just didn't like my last name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: AR

Complaint narrative:
On XX/XX/2021 XXXX sent a loan payoff check to the address given to me by BBVA. The BBVA representative apparently gave me a PNC address ( which they are currently completing a merger ). The check went to a PNC location, XXXX XXXX XXXX, XXXX, PA XXXX and was signed by an XXXX XXXX. XXXX is saying that PNC cashed the check. The payment was never applied to my BBVA account. BBVA opened two investigations and can not find the check, which I've sent them a copy of with information about it being cashed. PNC says they have no record of my check and can't access my account because they haven't completed a system merge. I can not get in contact with the PNC location that the check physically went to. XXXX can't perform a stop payment and reissue the check to BBVA because PNC has cashed this check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
General information : My friend sent me the money using XXXX from boa, but I did not receive it. 

Background : A friend of mine tried to transfer an amount of {$1700.00} to me using XXXX from his boa account on the day of XX/XX/XXXX. XXXX can transfer money to people by typing people 's phone numbers. He sent this money via my US phone number. 

Problem : At that time, however, that US phone number is no longer valid because I left the US a long time ago and did not continue to pay that phone service fee. However, when he sent out the money, the name pops out on XXXX 's page is still my name. We realize the problem, but there is no way to cancel the transaction. It has to wait 14 pending days. 
Then the transaction went to pending. We thought if so, and this phone number is invalid, then after 14days, the money would come back. 
However, this transaction suddenly switches from the pending state to success on the day of XX/XX/XXXX. This money did not go to my bank account. 

Ways we tried : We've contacted the BOA several times, XXXX, XXXX ( receiver 's bank ). BOA went through the dispute process and sent the file to us only proving this transaction is successful via mail. It's a large possibility that this phone number might have a new owner, and this money went to this new owner 's bank account. 
I went to att to check, and my phone number indeed has a new owner. 
Therefore, we tried to contact the person who now owns that phone number. However, it fails anyway. No one answers the phone, and text messages. 

Things I want to add : I did not know that the phone number can be redistributed after it went invalid. At that time, I do not know when I can come back to the XXXX. There are lots of my website accounts that still connect to that phone number. 
Even when people do not register XXXX, if there's someone who sent them money, there will be text messages noticing people that there are people sending you money, then just register XXXX, they can get that money. 
Now, when I tried to see the active state of this phone number using XXXX, it's no longer registered. 
Due to the lack of awareness of the mechanism of US prepaid phone numbers and banking mechanisms, such a mistake was made. However, this person took the money that does not belong to him and take it using this advantage, which makes me feel sad I am an undergrad student in XXXX, and this XXXX means very much to me. This money is supposed to pay my rent and my living expense. 

My name is XXXX XXXX, which matches the merchant 's name on the attached document.

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 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: MS

Complaint narrative:
on XX/XX/2021, i sent letters to XXXX  and equifax about the inaccurate items as well as the unauthorized inquiries reporting on my credit report.i sent it off usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXXthese negative items are stopping me from getting a home and car, plus added XXXX  causing me to go to the doctor more for medication

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: NJ

Complaint narrative:
Fraudulant Inquiries, address, and credit accounts that I never opened. Address I never lived at. Someone is pretending to me and i need these accounts to be removed due to Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
On XX/XX/XXXX I submitted a dispute request via XXXX XXXX for an collection account that the creditor ( XXXX ) agreed to delete from my creditor report due to me paying the entire balance so I could re-instate insurance with them. The debt of {$120.00} which was reported by XXXX XXXX XXXX XXXX XXXX XXXX was paid in agreeance to delete to the original creditor XXXX XXXX XXXX and it was paid on XX/XX/XXXX ( receipt attached ). The representative at XXXX told me that the system will update overnight and they will notify the collection agency to remove my account. On XX/XX/XXXX I received a update from TransUnion that my investigated was updated as " Accurate '' and they added a remark to the collection that reads '' Account information disputed by consumer, meets FCRA requirements ''. It still shows I owe this {$120.00} balance. It still is showing on my report when the original creditor, XXXX, agreed to delete. I attached the proof of my payment to XXXX the original creditor. In addition, I do not believe they did their full investigation to see my claim. I called XXXX on XX/XX/XXXX and was told that the account should be removed. They already sent notification to XXXX on XX/XX/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 2021-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Ive had problems with Citibank since my account was opened. Over the last week. Ive been corresponding with company via Email in which it Completely contradicts some of their previous statements regarding this issue of me receiving my funds. 

These replys from the company state my account was in normal status and I should have been able to get my funds allocated to me ; in the time I needed them. ( as they were my funds. ) But Citibank didnt provide me this opportunity and I verified my identity on every level possible. 

I was treated as if I was scum on a shoe. And now in this reply from Citibank that I attached to this complaint. its stating they closed my account. But opened it to get a deposit but closed it again. But I was trying to get my money from them once I seen my XXXX went to their account. And was denied continuously. I should have gotten at least that part of my money back. As my account was closed and they werent accepting any more deposits. 

So if my account was active during the beginning of XXXX Why was my wire transfers denied out if my account. My XXXX access restricted. Why did they deny me the chance to activate my debit card ; so, I couldnt go to a ATM. Why havent I still gotten my check from my account closing. 

Citibank is gaining interest off my money. As I accumulate XXXX  of not having my funds in a pandemic. Due to this institution denying me because of the color of my skin. But after my account was supposedly closed. They still accepted a XXXX into that account. Even tho I received multiple emails of my account closing. And any deposits into the account would be returned. But they kept a XXXX. This bank is refusing to give me my funds. And I want this complaint to be public record with all images applied for future references to this matter. 

But the bank has yet to release my funds!!!! 


But I was bamboozled into opening my account. I had it for 3 days. The same day I switched my direct deposit. I had my email on my account status the next day. 

Ive been contacting this bank religiously trying to get my funds. Its all recorded how they treated me. I went to the branch and was denied. They told me my account had a block and they cant get it off. The banking official said they can do it on the phone. I explained the Fraud department said they couldnt either but I can visit a branch and you could allocate them and I was shoed outta their bank. 

They are playing with me. Opening and closing my account as they please and denying me my money ; Still!!!! This has been going on since XXXX. Im begging you to please help 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 monetary relief
Consumer complaint received 2021-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I request the CFPB launch an investigation into Wells Fargo handling of their remediation program, specifically payments covering damages caused by unauthorized accounts, as well as their handling of missing payments. I've been filing numerous complaints regarding two missing payments from their remediation program, which are inadequate, do not cover damages sustained, as well as their reporting of payment ( s ) to IRS, for several months now ... Wells Fargo reps reply by verifying address sent to which I moved from prior, in which case I was not living at time of issue and nothing received. They also reply by showing checks cashed in which case, not by myself as again, I was not living at address, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX, at the time.. I moved in XXXX of 2020, I now reside at XXXX XXXX XXXX, XXXX XXXX, CT XXXX. The documents/payments were sent after in XXXX of XXXX The payment amounts, XXXX as well as XXXX, do not cover damages to credit and loss of interest on deposits which could have been made, if I were able to open accounts had information not reported to consumer reporting agencies. Wells Fargo rep ( s ) supposedly removed information from XXXX XXXX XXXX, however, did not offer adequate payment amount for sustained damages. They replied in re by referring to letter agreeing to XXXX payment amount which was not signed by myself, it was sent to old address at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CT XXXX, after I moved in XX/XX/2020. It appears payment amounts of {$3700.00} and {$500.00} were also intercepted, signed by person ( s ) now residing at address, which I have detailed in prior complaints ... .Wells Fargo reps reply again by verifying address sent to which I moved from prior, show checks cashed in which case not myself. It appears the extent to Wells Fargo replies solely includes verifying address sent to and checks cashed, will not offer adequate settlement amount which includes missing payments.. Further, they have not corrected IRS reporting of payment ( s ), it appears amount of {$3700.00} was reported to IRS in 2020, I received a form 1099 showing amount plus estimated IRS taxes for tax 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 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: PA

Complaint narrative:
The particular VANCEHUFFMAN account recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

Company response to consumer: Closed with explanation