vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-27 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: Commonwealth Financial Systems, Inc.
State: OR

Complaint narrative:
On XX/XX/2020 an outstanding debt of {$60.00} was listed as a collection debt on my credit report. It lowered my credit score by 30 points. It was reported by Commonwealth Financial XXXX XXXX for : XXXXXXXX XXXX XXXXXXXX XXXX. I have contacted XXXX XXXX they have to knowledge of this debt and have attempted to call Commonwealth Financial with no success. I am disputing this debt and believe this fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: CORELOGIC INC
State: FL

Complaint narrative:
On XX/XX/2020 Complaint # XXXX was filed regarding a mortgage lender conducting improper use of my credit report. They pulled my credit report 3 separate dates after the 30-day allowance which caused my credit FICO score to drop approximately 95 points ( XX/XX/2020 ) following this inquiry. I went from Exceptional to Good rating. I know my credit was pulled regarding the purchase of a car on XX/XX/XXXX but this seems odd that my score would drop a drastic 95 points and to have only increased 11 points since XX/XX/XXXX. Is there anything that can be done to review my credit score and hopefully restore some of the points that were taken unfairly. I have worked hard to restore my credit through the past 10 years or so and to have it change like this is discouraging. Thank you.

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 2020-07-27 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: CA

Complaint narrative:
In late XXXX or early XXXX I was informed of fraudulent activity. I disputed the charges and the card was cancelled. I was informed this month I was not liable. Last week via credit report I found out i had a balance due of {$5200.00} and today I found they say I have a late payment. Ever since my card was cancelled I have never gotten a bill either by E-Mail or postal service. I have spent hours on the phone to overseas call centers and today with a Texas call center. The people I spoke with agreed they saw the charge and did not know how I was liable with a card with a limit of {$1900.00}. I was told to call the fraud XXXX to follow up where I left my name and number and was advised I would be contacted within two business days. This companies service department is designed to deflect, delay and ware down the resolve of its customers. Has well as report fraudulent balances they acknowledge they cant explain. This reflects on my credit score and they are little to no help resolving it. It was a credit report that brought this to my attention neither by E-mail, Post office letter or phone was I made aware of any late charge or balance due.

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 2020-07-27 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: IL

Complaint narrative:
I recently contacted Capital One Credit Card to have them remove all the VERBIAGE posted in the comments section permanently from my Capital One Credit Card file. I spoke with their credit services department related that the don't have a credit bureau department to remove the dispute comments. So, I then contacted all three credit bureaus who immediately deleted all verbiage in the comment sections. Within a few days I received credit alerts from XXXX XXXX XXXX stating that the comments were added back to my Capital One Credit Card File.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: VA

Complaint narrative:
In XX/XX/2020, I called Dovenmuehle to ask what programs the have available for COVID relief in the event that my tenants were unable to pay their mortgage. This is on a rental property. I simply called to inquire about my options. I did not request to be placed in forbearance and I did not agree to be placed in forbearance. I was however, placed in forbearance and my credit score has been significantly affected negatively. I am in the process of refinancing my primary homes mortgage and being told that my credit report is showing a " serious delinquincy ''. I have contacted the lender Dovenmuehle with minimal response other than saying they have removed me from the program, which I should have never been placed into because the account was always up to date and there were no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
On XX/XX/20 I booked a hotel room at XXXX XXXX online on the Capital One Travel site and was charged XXXX Miles, or reward points, which translates to {$73.00}. Capital One apparently uses XXXX for bookings and I know this, not because of the email receipt from Capital One, but because I viewed the hotel screen when the manager showed it to me. The hotel only charged XXXX {$56.00}, so when Capital One deducted points to pay {$73.00}, they overcharged my rewards account by XXXX points since they only paid XXXX XXXX {$56.00}. When I called and asked that my account be credited for those points, I was told that they can't control what the 3rd party ( XXXX XXXX pays and my request was refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
To whom it may concern : On XX/XX/XXXX, I received the attached response ( " XXXX NJ Response XXXX '' ) from Shellpoint regarding my complaint that was filed and submitted to CFPB and the New Jersey XXXX XXXX XXXX XXXX XXXXXXXX ). The rebuttal date was XX/XX/XXXX. 

In the complaint was detailed information that highlighted the fact that Shellpoint Mortgage is knowingly overcharging my tax escrow account and assessing anticipated figures that are entirely incorrect. In their statement Shellpoint said the following : " Shellpoint completed an escrow analysis on XX/XX/XXXX, based on the anticipated hazard insurance payment of {$3400.00} and anticipated county tax installments of {$4900.00}, {$5100.00}, {$4800.00} and {$4900.00} ( totaling {$23000.00} for the upcoming yearly bills from XX/XX/XXXX to XX/XX/XXXX ). '' It should be noted that the alleged anticipated tax amount of {$23000.00} would represent an unprecedented 17.68 % increase over the previous year ( {$19000.00} ), which is undoubtedly incorrect. As explained in a letter from the City of XXXX  ( see attached " City Response Regarding Taxes '' ), this is not possible unless there was something done to change the assessed values. I've lived at this address from 17+ years and my assessed value has been pretty stagnant. As proof, the attached history ( see attached " XXXX XXXX XXXX_Tax History '' ) of my property over the past 7 years clearly shows the same assessed value since XXXX. Moreover, according to the city, the only way the assessed value can be changed is with a successful tax appeal, an improvement done to the parcel that would increase the value of the property determined by the Assessor, or a municipal wide revaluation ; none of which applies to my property. Therefore the alleged anticipated county taxes is completely made up and not justified in the city of XXXX. 

Per the attached ( see attached " XXXX XXXX XXXXCurrent Tax Bill '' ), which shows the actual tax bills for XXXX covering the last 4 quarters are as follows which totals {$19000.00}, an actual decrease of .11 % under the previous year : - {$4800.00} - {$4900.00} - {$4900.00} - {$5000.00} Based on these facts, I have been mis-billed by Shellpoint since XXXX of XXXX. In which case, i hereby request that a total of {$1100.00} ( $ XXXX since XXXX ) be returned to me immediately. 

cc : NJ Consumer Affairs Attorney General Office of NJ  Department of XXXX XXXX XXXX of NJ

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On Monday XX/XX/2020 I deposited a check from XXXX XXXX  XXXX XXXX XXXX XX/XX/2020 the check cleared. On XX/XX/2020 Suntrust bank closed my primary account that I deposit my pay check and pay my bills and they also closed the account that I deposited the insurance check in without warning. I am confused as why this would happen and no one call to say this was going to happen. I called the bank several times and no can tell me why accounts were closed and when I will get my money back.

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 2020-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I received a notice from this company stating that I owed them money ; I have never done business with them. I sent them a letter requesting debt validation and verification on XX/XX/2020 via certified mail. As of today, XX/XX/2020, I have not received anything from this company validating this debt. The letter that I sent them was received. I have confirmation that they received the letter. Sequium Asset Solutions failed to comply and did not send me back debt validation, which does not show me any services rendered or what I am supposedly being billed for. Instead of sending me debt validation, they reported this negative item on my credit reports. I ask this company to only communicate with me via mail in which I have that right to do so. They have failed to communicate with my regarding this alleged debt. They are violating several laws and my consumer rights. Under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. Therefore, this should not be reporting on my credit reports until this matter is validated by providing valid and proper debt validation. I see this is how they handle others as well and this is clearly them violating the laws that are set to govern the collection process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020 Complaint # XXXX was filed regarding a mortgage lender conducting improper use of my credit report. They pulled my credit report 3 separate dates after the 30-day allowance which caused my credit FICO score to drop approximately 95 points ( XX/XX/2020 ) following this inquiry. I went from Exceptional to Good rating. I know my credit was pulled regarding the purchase of a car on XX/XX/XXXX but this seems odd that my score would drop a drastic 95 points and to have only increased 11 points since XX/XX/XXXX. Is there anything that can be done to review my credit score and hopefully restore some of the points that were taken unfairly. I have worked hard to restore my credit through the past 10 years or so and to have it change like this is discouraging. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2020 Complaint # XXXX was filed regarding a mortgage lender conducting improper use of my credit report. They pulled my credit report 3 separate dates after the 30-day allowance which caused my credit FICO score to drop approximately 95 points ( XX/XX/2020 ) following this inquiry. I went from Exceptional to Good rating. I know my credit was pulled regarding the purchase of a car on XX/XX/XXXX but this seems odd that my score would drop a drastic 95 points and to have only increased 11 points since XX/XX/XXXX. Is there anything that can be done to review my credit score and hopefully restore some of the points that were taken unfairly. I have worked hard to restore my credit through the past 10 years or so and to have it change like this is discouraging. Thank you.

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 2020-07-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
Currently there is a company by the name of professional Debt Mediat on my credit report. I have absolutely never entered into any contract or agreement with this company. They are reporting on behalf of a company I had previous dealings with. They have inflated the amount I owe to this company trying extort additional money from me that I do not owe. The company I owe sent me a email advising what my final bill would be {$760.00} this company Professional Debt Mediat states I owe {$1600.00} this company is in complete violation of as I have never opened a loan or credit account with them. I have from courtesy sent several emails and tried calling several times to try rectify the situation each time being told I need to contact XXXX XXXX which is the company I have prior interest with. XXXX XXXX advises I need to contact Professional Debt Mediat who I don't have any relation to settle this matter unfortunately being inflated charges with this company. I'm requesting this matter be solved and Professional Debt Mediat be removed from all three credit bureaus as I did not enter in any agreements with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Valentine and Kebartas, Inc.
State: TX

Complaint narrative:
I AM A VICTIM OF IDENTITY, THE FOLLOWING ACCOUNT WAS FRAUDULENTLY OPENED IN MY NAME : XXXX ACCT # XXXX THIS ACCOUNT WAS PREV IOUSLY INVETSIGATED AND REMOVED THEY SOLD IT TO ANOTHER COLLECTION AGENCY. 

CREDITORS OR COLLECTION AGENCIES IF THEY TRY TO RE AGE YOUR ACCOUNT BY UPDATIND THE DATE OF YOUR LAST ACTIVITY ON YOUR CREDIT REPORT WITH THE HOPES OF KEEPING NEGATINE INFORMATION ON YOUR ACOUNT LONGER.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2020-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Medical Business Bureau
State: IL

Complaint narrative:
An SMS sender identifying themselves as " Medical Business Bureau, a debt collector '' continues to send unsolicited SMS messages, betraying the nature of an alleged debt to third parties, and after having received a written cessation order. 

Sender first sent an SMS from ( XXXX ) XXXX, on Wednesday, XX/XX/2020, XXXXCDT reading : > This message is from Medical Business Bureau , a debt collector. Please call us at ( XXXX ) XXXX. If you wish to not receive text messages from us in the future please respond STOP. 

I replied promptly with " STOP '' as instructed in the message, which generated an acknowledgement : > You have successfully been unsubscribed. You will not receive any more messages from this number. Reply START to resubscribe. 

Subsequently, I, received multiple messages from ( XXXX ) XXXX, and ( XXXX ) XXXX with the same contents as the original message in violation of FDCPA, FTC, and FCC. Sender negligently made no attempt at hiding the message from third parties, betraying privacy guaranteed by the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
ive been trying to get a 180 day extension which as cares act informs us we are entitled to. Three months ago i called in for it i was informed i got three month forbearance which i didnt know until now.When i recently called back to bank and spoke to representative they informed me i could only get three months forbearance. 
Now i dont know if i will be able to qualify as per cares act if i need it for two 180 day extensions if needed which is a year.Instead bank will inform me later that i already have to extensions for 90 days which were supposed to be 180 days each. 
if i can have something on paper that guarantees my right to ask in the future as needed for up to one year. i dont know if bank will honor the full year in the future because of the three month increments they have been providing which is only option they are giving me date of first three month forbearance XXXX to XX/XX/2020 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 2020-07-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: Social Finance, Inc.
State: NJ

Complaint narrative:
Hello team consumer financial government, I yesterday register company Sofi money https : //www.sofi.com/ for open checking account, after verify my identity documents us passport too more documents, they force upload photo of driver license card, without it, they said unable approved account in application company, I request letter by Admin/CEO, refused to allow an option, it's totally abuse, I believe that too against law, force only provide driver license card, of course it's no legal, I don't get any solution for reslove the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/XXXX, XXXX I went to the Experian website to place a freeze on my credit report. When I went to the site it asked for my name and my password. That is all. When my password did not work it sent me an email where I could change it which I did then it took me to my daughters credit report. She is listed as living under my old address and old phone number and my email address. After several hours of phone calls and conversations including hour long wait times I still got no where. When I call Experian I have to give my name, SS #, my numerical address and my date of birth for security purposes. On the website there are none of these safeguards and accounts are linked to email addresses. Easy to obtain those and very easy to change the password and gain access to private information. I told Experian this needs to change because it is dangerous. I received scripted responses.

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 2020-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I purchased hotel package with a third party XXXX XXXX. Their policy was no refunds, however they canceled the main event and there is 14 day quarantine if you travel to XXXX XXXX due to Covid 19. I disputed this matter with my bank however they denied my claim. I had until XX/XX/2020 to reschedule my trip, but it takes 90 days to dispute a claim. I was unable to reschedule my trip due to me being a XXXX XXXX at a XXXX I am an essential worker and I wont be able to reschedule due to my XXXX policy. My job goes by seniority I wont be able to put in my time off until next year. Now my bank allowed this company to take XXXX from me. I paid for a trip that I didnt receive and now they got away with my money. Can you please help me. Thanks sincerely 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 explanation