vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On Monday, XX/XX/2021 I closed on a property with Wells Fargo as my lender. XXXX XXXX was the company who performed the title work. 

The final amount that I was informed I owed was {$25000.00} by XXXX XXXX  and Wells Fargo the morning I went to closing. I went to the bank and performed a wire transfer for the full amount. I then went in and signed all relevant closing disclosures with this amount present on the paperwork at XXXX XXXX 

On Tuesday, XX/XX/2021 I received an email and phone call from XXXX XXXX  that stated Wells Fargo had made a mistake on the closing disclosure. That I would have to sign a revised closing disclosure and wire additional funds in the amount of {$1600.00} or they would refuse to fund the loan which would void my contract on the property and result in me losing {$10000.00} in earnest money deposit. 

I spoke with my realtor regarding this situation and he said this was the first time in his twenty years of experience of a bank forcing a revised closing disclosure when it was clearly their mistake. 

My loan officer at Wells Fargo was XXXX XXXX XXXX XXXX ). I reached out to his Branch Manager, XXXX XXXX ( XXXX ) who confirmed that my choices were to pay in full, or they would refuse to fund the loan end of story. Despite it clearly being their mistake, and the closing disclosure already being signed they refused to make it right by waiving the difference. 

I had to take off work an additional day XXXX XXXX XXXX XXXX XXXX to handle this situation and to do the additional wire transfer or risk losing the property as the loan would not be funded. 

XXXX XXXX said the best she could do was a small adjustment of {$380.00} ( from ( {$1600.00} to {$1300.00} owed ) as an apology for the inconvenience. I said this was unacceptable as I had already closed on the property and this was clearly Wells Fargos mistake.

She said I could either wire the money or lose the property as the loan would not be funded. I asked for this issue to be elevated further to Wells Fargo corporate and was assigned to XXXX XXXX, XXXX XXXX XXXX. 

I spoke with her once, she never followed up regarding the case and a month later I received a phone call from someone I had never spoken with before stating a review had been done and Wells Fargo would be taking no actions to make this right.

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 2021-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
Hello I received notification on my credit report that I have a new collection account. I never received any mail or correspondence to my request for debt validation or right to dispute. After further looking into the alleged debt on XXXX  I thought it said you have a new collection the date on the collection says I opened the account with them XX/XX/2019. If I opened an account with them they should be able to validate the information bearing my signature or a contract agreement. I haven't received anything. Then I get a notification from XXXX  stating I have a new collection and its the same account being reported twice. I don't understand how companies are allowed to do this not only are they practicing unfair unverifiable debt practices, but to be allowed to enter the same account on someone's credit report twice with the exact amount and opening date is not right. I'm currently trying to buy a home and seems like companies come out of nowhere to sabotage what I have built on my credit so far. I feel if i owe an alleged debt then you should be able to provide me with documentation with my signature.

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 2021-07-09 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: SC

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Submitted certified dispute letter with return receipt XX/XX/21 to their dispute department XXXX XXXX XXXX, XXXX XXXX XXXX UT, XXXX. Called XX/XX/21 to check status was on the phone for over 3 hours collectively with reps and supervisor in the closed accounts Dept who advised she saw no record of the accounts in their system and submitted it for investigation which she stated had a 30 day timeframe. To date, no response received for letter mailed over 30 days ago. Regarding the following Capital One Bank # XXXX, Capital One Bank XXXX XXXX being reported on all three credit bureaus reports XXXX, XXXX  and XXXX. Capital One is in violation of FCRA for failing to respond within 30 days into validating the accuracy of these items reported. I am requesting these accounts to be deleted immediately. Attached is copy of USPS Certified Receipt and most recent credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation
State: DE

Complaint narrative:
I lending direct sent a payoff to bridgecrest on a XXXX XXXX XXXX. This payoff was received on XX/XX/XXXX. The XXXX  tracking number is XXXX. It was signed for by XXXX XXXX. A week later I inquired with bridgecrest about the payoff as it had not yet been applied. They told me they received the payoff, they sort and forward those payoffs to a secondary location. I asked if the new lender sent the payoff to the wrong address. I was told " no, that is our process ''. I asked if the payment would be applied as of the date it was received. I was told " no, interest continues to acrue until we process it ''. The payment was processed on XX/XX/XXXX. I called today and inquired about the application of this payoff. Again they agreed they received it on the XXXX of XXXX but that the interest continued to accrue until XX/XX/XXXX. According to what I have read on your website, this practice is illegal. They seem to have this process in place specifically to continue to charge interest for a significant amount of time after the payoffs are received. Thank you for looking into this matter. I do not know the account number. The account is now gone from their online portal so I can not look it up. They usually look me up with my name, XXXX, and the last 4 o my ssn.

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 2021-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am the executor of my mothers estate and have been trying to close her two remaining accounts since XX/XX/2014 when my mother passed away. I have hired at least three different attorneys who have communicated with Capital One as well as contacting them directly myself on numerous occasions. I have been given the run around time and again ( transferring to different departments, changing contacts, changing requirements, etc. ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I contacted the creditor in XX/XX/2021. After communicating with a manager in the collection 's department, I negotiated with the creditor regarding a payoff amount to settle the account and remove the derogatory information related to the account. The creditor agreed to the payoff amount, but did not remove the derogatory information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Hi, There was a new inquiry just added to my XXXX  credit report and XXXX  credit report which was not authorized by me. 

The XXXX credit check run was done by XXXX XXXX  on XX/XX/2021 There wXXXX XXXX different hard inquiries by XXXX  XXXX on XX/XX/2021, Curo Management, Llc on XX/XX/2021, and XX/XX/2021. 

I am out of the country from XX/XX/XXXX and still haven't traveled back to the XXXX  and I haven't requested credit inquiries or used my credit cards during this travel.

I am contacting the companies to inform them about the fraudulent activities.

In addition to that, I have contacted XXXX, XXXX, and XXXX  to freeze credit reports and set up a fraud alert on all three. 


Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Simon's Agency, Inc.
State: PA

Complaint narrative:
On XX/XX/2021 I pulled my XXXX  Credit Report to dispute this account on my credit. I found the address information on my XXXX report, and sent a letter to SIMON 'S AGENCY, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX, the address on my XXXX report. The mail I sent them was returned, which is a direct violation of the FCRA, as data furnishers are required to report only 100 % factual information to a consumer 's credit, that includes the dispute address to the company that is reporting said information. THEY HAVE FAILED to report their own address, thus, this account must be deleted and they must cease and desist all collection activity until they are deemed fully compliant with the FCRA. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: ERC
State: NY

Complaint narrative:
We had cell phones with XXXX. XXXX turned off our phones for non-payment when we paid them. We told them the exact day we called and paid them through our debit card. We showed them proof we paid them but they refused to turn our phones back on. We also had a 2 year contract which we paid them the full 2 years therefore would no longer have a contract but they denied the 2 years were up and kept charging us money we didn't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Eagle Financial Services, Inc.
State: OH

Complaint narrative:
I worked there for over 5 years. They made us put the insurances on every loan we booked. It made me feel uncomfortable and I felt we were deceiving the customers by not going over this before they came in. If the customers paid attention and complained we would remove them and rebook the loan. That isn't the point. They already charge 25 % interest. Don't they make enough off of that?? That is all I ever heard was how much money they made off the " extras. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information it has been over 30 days and i still have no response. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

Collection ARS Account Resolution : Balance : {$1000.00} Collection ARS Account Resolution : Balance : {$1000.00} Collection ARS Account Resolution : Balance : {$1500.00} I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

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 2021-07-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I contacted the creditor in XX/XX/2021. After communicating with a manager in the collection 's department, I negotiated with the creditor regarding a payoff amount to settle the account and remove the derogatory information related to the account. The creditor agreed to the payoff amount, but did not remove the derogatory information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I contacted the creditor in XX/XX/2021. After communicating with a manager in the collection 's department, I negotiated with the creditor regarding a payoff amount to settle the account and remove the derogatory information related to the account. The creditor agreed to the payoff amount, but did not remove the derogatory information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I made a payment to a collection agency for a delinquent bill in 2020 from XXXX XXXX. I called and paid by credit card for a settlement in full with XXXX XXXX XXXX  in XXXX, WA ( I have attached my letters for proof. ) Last month, I received a letter from McCarthy Burgess and Wolfe stating that I still owed a balance but, I already made a settlement in full payment to another collections company.

Could you please fix this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: CA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: Synovus Bank
State: CA

Complaint narrative:
In XX/XX/2021, I contacted XXXX XXXX regarding a 30 day late reported on the account. The agent I spoke too suggested that I submit a goodwill letter regarding the account since I have always paid on time and have never been late in the past. I submitted a goodwill letter in early XX/XX/2021, but XXXX XXXX has not responded. In addition there is a violation regarding Debt Dispute Violations by CRAs. The creditor failed to correct or delete any inaccurate, incomplete, or unverifiable information within 30 days of receiving notice/letter of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} Reason : Identity theft Please remove this from my credit report. 


Account Name : JPMCB CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$740.00} Reason : Identity theft Please remove this from my credit report. 


Account Name : XXXX/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Identity theft Please remove this from my credit repor

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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 delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX , XXXX DBA XXXX XXXX XXXX was allowed by Capital One , Inc. to push through {$2400.00} of unexplained charges to my Capital One card. The same compnay inadvertently pushed through {$2100.00} on my adult daughter 's Capital One card, approximately a year later. Making this their standard m.o. My current case is against XXXX XXXX , XXXX DBA XXXX XXXX XXXX , but capital One is next, due to subsequent liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lewis, McDonnell & Associates
State: TX

Complaint narrative:
On XX/XX/2021, I logged onto my XXXX XXXX account and noticed a " XXXX '' collection. Lewis, McDonnell and Associates had reported a collection for the amount over {$1700.00} for XXXX. I have not been contacted by this company. I previously had another company reporting the debt for just over {$1000.00}. I have received NOTHING from Lewis MCDonnel and Associates regarding this. Not only is that a violation, but reporting an incorrect amount. Also stating the account is OPEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Navient, my student loan servicer, is constantly adding/removing new accounts even though no activity has taken place on these accounts since the National Emergency Forbearance was granted. Also, Navient had me enrolled in a program where my payments were only $ XXXX/mo, then they unerolled me in the program and now I have 14 late payments. I didn't even know the terms had changed from {$5.00}, to over $ XXXX/mo. It seems unfair that this was not properly communicated and there seems to be no remedy. I have been paying on my student loans since XXXX, it only shows a few years of payments, thus making my payment history out of ratio.

Company response to consumer: Closed with explanation