vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-29 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have written these credit bureaus on numerous occasion in reference to reporting inaccurate information. I was never late for any payments on my XXXX XXXX account. 
I have never missed any payments on mt XXXX  XXXX account opened XX/XX/2016. I have never been late for payments on my XXXX account. 
I do not have a written contract with XXXX XXXX XXXX that states I owe {$330.00} which is incorrect. I also do not have a written contract/agreement with XXXX  XXXX XXXX that states I owe {$1700.00} which is inaccurate. There is also an inaccurate balance of {$1100.00} for XXXX the accurate balance is {$0.00} XXXX XXXX  XXXX inaccurate balance of XXXX the correct balance is {$0.00}. XXXX XXXX XXXX inaccurate balance of {$2200.00} the accurate balance is {$0.00}

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 2019-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My mortgage was sold to XXXX XXXX dba Shellpoint Mortgage Servicing XXXX. XXXX   XXXX, SC XXXX ( XXXX ) XXXX from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX in XX/XX/XXXX. 
At this time my spouse and I were going through a divorce. I ( XXXX XXXX XXXX ) was awarded the home by the divorce judge and told I needed to remove my ex-wife from the mortgage ASAP. At that time my mortgage was still owned by XXXX XXXX XXXX. I had talked to XXXX XXXX XXXX  and they said they would do an assumption or a novation to remove my ex-wife 's name from the mortgage.. 
Next thing I know is XXXX sells my loan to Shellpoint. I received a letter from XXXX stating the loan was sold, but that everything would remain the same except where and who I send my payments to. 
Well, I talked to several representatives at Shellpoint and they said they won't do the an assumption or a novation of the loan even though I had been promised by XXXX XXXX XXXX   that they would do it. XXXX had " no problem. We can do that for you. 
But, Shellpoint refuses to do it as promised by XXXX XXXX XXXX. 
In fact, I contend that Shellpoint has fraudulently and purposely dragged their feet when processing 3 of my monthly online payments ; therefore my credit report now shows 3 late " mortgage '' payments which makes it impossible for me to refinance the home loan which is the only other alternative way to remove an ex-spouse from a mortgage loan. Shellpoint knows that a consumer will be unable to refinance either with them or another lender and intentionally makes a payment or more " late '' so you are forced to stay with them. I have no " late payments '' they are lying about! 

The other fraud they are doing is they are stealing my payments! ( SEE ATTACHED ) I have been mortgaging this home now for over 17 years. The first 13 1/2 years of monthly payments were " interest only '' and escrow payment. The interest on the original 25 year loan was met years ago! But, look at my Shellpoint payment history. Look at it! For 10 months I have made my monthly payment of {$800.00}. That's {$8000.00} and not one red cent is being applied to the principal! Only towards the escrow. Where is this money going??? When I call to ask those questions, I always get transferred on the phone and then I stay on hold forever. They never pickup the phone. They never help! WHERE'S MY MONEY? I bought his home for {$100000.00} in the year XXXX. So, in 17 years I paid these lenders over {$190000.00}! Almost twice the price of the original purchase price already! But, somehow I still have a principal balance of over {$120000.00}! It never goes down! Doesn't make any sense. Plus, my payments ( over {$8000.00}! ) Only goes to escrow. Where the rest going?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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: Marlette Funding, LLC
State: GA

Complaint narrative:
I received several alerts from my credit monitoring service of new inquiries on my credit report. These inquiries were all from XXXX XXXX XXXX. I did not initiate these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
My account was closed in XXXX of XXXX with BBVA due to nsf fees. I recently got an online loan from a company I have previously used with this account as well. I thought I had changed my acct and routing number from bbva to XXXX. They took my loan and covered the nsf fees even though my account was closed. They took the loan on XX/XX/XXXX. I am now expected to cover the amount of this loan and the finance charge due to this bank forcing me to pay a debt. They wont even let me pick my money up from the branch nearest me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Service Company, INC
State: CO

Complaint narrative:
On XXXX XX/XX/XXXX i sent a letter to the XXXX  XXXX XXXX  hospital to settle any open balance i had with them. In my letter, it sated that i wanted to settle the account balance for {$150.00}. So, they had the choice to either decline my proposal and return my check or accept my proposal and cash the check ( which i clearly stated in my letter ). The XXXX XXXX XXXX hospital did in fact cash my check, and I have documents to prove it. They did in fact cash the check knowing that the check was only to settle the remaining balance on my account and not to send my account to collections or cancel any collections attempts. Below is what was in the letter i sent Notice of Dispute and Settlement Dear XXXX  I, XXXX XXXX, disputing the entire balance on any accounts numbers, with date of service from XX/XX/XXXX to XX/XX/XXXX. However, attached is a check made payable to your company settling any balances currently showing in my account from XX/XX/XXXX until XX/XX/XXXX. By Cashing the check attached to this letter ( check # XXXX from XXXX XXXX with memo on the bottom : For Balances payoff ), you are agreeing to settle any balances and will refrain from sending my account to any collection agencies or will cancel any collections attempts if you did already send my account to collection. If you do not agree to the amount on the check ( {$150.00} ) as a final balance for any services received during the dates stated above, please feel free to return the check, send my account to collection and file a lawsuit. I will be happy to explain my case before a judge. Again, Im still disputing any balance forwarded to any collection accounts or any balance you currently have in my account. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
In the month of XXXX i was expecting a deposit from a XXXX XXXX after receiving double debits to my account the bank requested that i open a new checking and savings and close the checking account and take the money that was in there out at this point the depositor is XXXX XXXX after the remainder of my funds were received and carried over to the new checking account because of the double debits a hard hold was put on my account until it was fixed requested by me. There was a deposit that came from XXXX XXXX which i have proof that hes the depositor someone then creates a depositor by the name of XXXX XXXX  and says that they received the funds out of my account which after getting a letter from this merchant it is showing that someone created the check situation to steal he funds out my account the merchant listed has wrote a letter on my behalf stating that they never had my account info at all and did not receive funds out my account also also there is a wittiness from wells Fargo bank who heard he debit thefts from my card i want a refund back into my account for the stolen funds

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 2019-01-29 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
A company continuously charged my account without my consent. I filed a complaint with cc company and they reversed the charge for it do be back reversed. I paid for services i never received. I was supposed to get one hour of XXXX  every week. Four of the weeks I was there at XXXX XXXX XXXX i recurved no therapy. I was to be issued a refund but they never gave it to me. I paid deposits that were also never refunded. I was discharged against my will from their program. I had paid for four weeks of treatment i never received. Citi put the burden on me to prove they didnt provide me with the service they clearly did not provide. I did not willingly leave their program. They ended the contract on their terms meaning I should be refunded 100 % of all payments made. They charged my CC 3 times without my authorization. They scammed 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 explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I have been trying to work something out with my mortgage lender for about 3 months now and i constantly continue to request a short sale and the lender keeps saying that they do not approve short sales. I find this hard to believe since the Federal Government has had the underwater program in place since 2008 or earlier. I am reaching out to you to ensure that immediate attention is given to my concerns. I feel as if the lender is being unreasonable and I am desperate for help. I am trying my hardest to get this taken care of and they are not doing what the government says the lender should to provide me with foreclosure alternatives. I need your help. I need your assistance. I need for you to intervene and review my documentation for the short sale. I have a buyer, i have a good contract and i a need.

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 2019-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received several alerts from my credit monitoring service of new inquiries on my credit report. These inquiries were all from XXXX XXXX XXXX. I did not initiate these inquiries.

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 2019-01-29 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
I received several alerts from my credit monitoring service of new inquiries on my credit report. These inquiries were all from funding loan services. I did not initiate these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received several alerts from my credit monitoring service of new inquiries on my credit report. These inquiries were all from funding loan services. I did not initiate these inquiries.

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 2019-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have sent certified mail letters to PRA disputing a debt that maybe errounesly on my credit report. I have also submitted a complaint with the CFPB on XX/XX/2018 complaint number XXXX. Portfolio Recovery has responded with an invalid instrument of indebtness according to our laws. which means PRA is in violation of the FCPDA. What PRA provided does not prove that this debt belongs to me. Attached is what was included in there response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I applied for a Citi XXXX credit card and my application was denied. I was given some nebulous reason about there being a fraud alert on my credit report. I had removed the freeze on my credit file BEFORE applying for the card, which is how citi was able to access my credit file in the first place so I have no idea what they are talking about. There are no other credit alerts on my file.

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 2019-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
CREDIT BUREAUS WEB SITE NOT COMPLYING TO ACQUIRE REPORTS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
I was contacted by a company named XXXX with the phone number XXXX and given a case number. They also contacted all of my family members stating that I was going to be arrested for intentionally defrauding a financial institution I contacted the company at the phone number provided and was told the same thing, I asked for information in regards to the debt and was given no information. I proceeded to ask for an address, what type of company they were, and for there professional license number and was told I could not have the address for there protection, they did not represent themselves as a debt collector in any way and stated they worked for attorneys, and they stated they didnt have a professional license number to provide. They have called me and my family members from local numbers, spoofing there real identity at least 16 times a day. When I asked for a bill or something stating what the debt was for I was denied this by being told you have already received that from the company you borrowed money from

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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: LOBEL FINANCIAL CORPORATION
State: NV

Complaint narrative:
I wrote the company XX/XX/XXXX and it was received XX/XX/XXXX ( per company. ) The written notice to the company was an unauthorized credit inquiry which had my name and address along with my signature. I provided the information on my first original notice. However they responded back with request of the same information that was already stated in the first written notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Risecredit, LLC
State: GA

Complaint narrative:
The Inquiry was made on XX/XX/2017. The amount was {$5000.00}. The interest is at 58.81 % and i was going through a tough time. I have paid all the interest on the loan and cant get a logical reasoning on why there is not a settlement option or even a refinance option. The only answer that i receive is that " Everything is automated and the system lets us know when you have those options '' I need to speak with someone who can make those decisions. I have about {$3700.00} dollars in interest and still have a balance of almost {$4000.00} left on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wellsfargo refuses to accept payment on account, even though i have payment posted to them 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 2019-01-29 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: NV

Complaint narrative:
On XX/XX/2019 I was notified, by the credit fraud alert that a account was placed on my credit profile with a company XXXX. I have been a victim of Identity theft, and the credit report notifies me everytime someone trys to or, has opened a account. I put this alert on my credit report due to the fact that my roomate had stole personal indentity information, and has been using to open up diferent lines of credit in my name. I filed a police report, and reports with the FTC IC3 and, my local police department. I do not understand how this account was opened because it clearly states in all three credit reports to reach out to me to verifiy any new accounts being open. My roomate stole my information from my home while he was still my roomate last winter in XX/XX/XXXX to be correct. He was using my identity from XX/XX/XXXX to I do not even know for how long as, I have to keep checking my report. I can not belive this is happening to me, and never thought that someone could be as, heartless, and uncaring to do something like this. The event I do not know where it happen I only know when he took my information was tiime he was kicked out for not being able to pay his rent.I have reached out to XXXX, and have tried to file this report like three times now and, it keeps not going through. On the XXXX claim website, and everytime I call I just get transfered around. Also XXXX wants me to show them my ID and, I do not feel ok with this as, I am a victim of Identity theft. If they do not have a copy on file of my ID then pretty much they know it was not me opening up a account. The credit report companys told me to file a police report, and so I filed reports with local police ftc XXXX and, I told each company to put a block on this account as, it was not mine but, they failed to do so, this is against FCRA rules my credit is not something I want to be incorrect, as this makes me look bad, for jobs credit ect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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: GA

Complaint narrative:
Experian is reporting an XXXX XXXX XXXX account on my credit report that does not belong to me. I have disputed this account many times and informing them that this account was not opened by me. This account is a result of identity theft. Please assist me in getting this account removed from my Experian report. 

Also there are incorrect personal information showing on my credit file : Incorrect Address : XXXX XXXX XXXX and XXXX XXXX XXXX Incorrect Names : 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 2019-01-29 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: OH

Complaint narrative:
This is third time I have requested that XXXX XXXX XXXX, XXXX XXXX, substantiate their claims regarding information XXXX XXXX # XXXX transmitted to credit CRAs for me, XXXX XXXX , regarding a so-called account. Since reporting errors may be vis-avis that reported data, I formally request that you mail this validated information within 15 days. Additionally include documentation which shows that these companies complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from them to the credit bureaus should be deemed discrepant and may indicate desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.

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