vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
On XX/XX/2020, Shellpoint Mortgage Servicing ( NewRez LLC dba Shellpoint Mortgage Servicings NMLS ID is XXXX ) transferred the servicing of my loan to XXXX XXXX. At the time of the transfer, my balance was {$0.00}. 

Despite the transfer of the loan and the fact that I owe no money to Shellpoint, Shellpoint has reported my account as " past due '' to at least two credit bureaus ( XXXX on XX/XX/2020 and XXXX on XX/XX/2020 ). They also reported that the delinquent balance was {$0.00}. 

No payment is owed on this loan and no amount was ever past due. Shellpoint 's reporting to these credit bureaus is clearly an error or fraud. I requested in writing that Shellpoint take immediate action to correct the adverse report with all three credit bureaus and provided them with a copy of the credit reports. 

Since that time I have received three letters from Shellpoint indicating that they are looking in to the matter. 

On XX/XX/2020, I called Shellpoint for an update on the issue and was told that they were not, in fact, looking in to this matter and that if I wanted it dealt with, I would have to work with my current mortgage servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I received a letter from XXXX XXXX XXXX on XX/XX/2020 attempting to collect payment on a debt it identified as Fifth Third Credit. I sent a letter ( attached ) asking XXXX to provide certain documents and to validate the debt. In the letter, I ask that the materials be provided before I engage in further discussions about the debt According to the return receipt ( attached XXXX, XXXX received the letter on XX/XX/2020. I have not received any of the requested materials since sending the letter. However, on XX/XX/2020, I received a call from XXXX and the gentleman advised that he was a debt collector and this was an attempt to collect a debt. I advised him that I sent a validation letter and had not yet received the requested materials. He simply kept replying " What letter? What kind of letter? '' At which point I ended the call. 

The Fair Debt Collection Practices Act provides that if I dispute the debt within 30 days of receiving the initial letter, and I did, that the collector stop collection efforts unless and until they provide documents validating the debt. XXXX violated the FDCP in this instance and should be dealt with accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: TN

Complaint narrative:
On XX/XX/2020, I checked my Experian and XXXX credit report and it showed my credit score decreased 16+ points on Experian and XXXX . On XXXX, my credit score increased to XXXX. Please note, since the pandemic, I have decreased my debt ratio from 90 percent to currently 59 percent and it continues to lower with weekly credit card payments. In XX/XX/2020, I finally finished payment on a long term monthly loan ( {$500.00} ) with XXXX. In XX/XX/2020, I received an alert from Experian and XXXX indicating that XXXX sent a notification. XXXX informed me that they sent a positive credit report indicating that I was in good standing and the loan was paid off. Note, absolutely nothing changed with my credit only to lower my debt ratio however, XXXX and XXXX punished me for decreasing my debt ratio by lowering my credit score. This is absolutely absurd. XXXX and XXXX encourages their clients/consumers to decrease debt, make payments on time etc, etc to improve their credit.

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 2020-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?

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 2020-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The company responded via CFPB portal and stated they have nothing to do with this debt that is reporting on my credit report. Please remove account XXXX XXXX {$2200.00} from report.Documentation of response from company attached.

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 2020-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Gatestone & Co. International Inc.
State: CA

Complaint narrative:
After Gatestone rep advised me to take action that would be harmful to my account without discussing the ramifications of that action, she called to inform me that my account was being removed from their program. I told her that at that point, all future communications needed to be in writing. Today I received another phonecall from a different gatestone rep. She advised that there were no notes to indicate written contact only and that she would update their system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
Roughly four ( 4 ) weeks ago my wife and I deposited a payroll check ( in person ) with the understanding that a two day hold was in effect. While we were questioning the process of holds, the manager said she could hold it for seven ( 7 ) days if they " felt like it. '' Fast forward two ( 2 ) more weeks, I deposited another payroll check ( same company ) and just as she threatened ... they now put a seven ( 7 ) business day hold on it, with no explanation. Taking my banking history into effect, I have a history of ACH and check deposits for $ XXXX to $ XXXX every two weeks, why would this institution impose such draconian rules on a valued customer, who has a great history of banking and substantial deposits, to then restrict access to funds they know are reliable? As I said, the last payroll check was from the same employer two weeks prior and since then the DD/ACH has been verified by min. deposit into my account from the same company. Is there any recourse for me, is there a way to decrease this hold and what fact based claim can be made to hold funds when prior deposits passed the " smell test? '' I am sure I am not the only one who has had this issue, but I fail to see the banks legal standpoint at this time. Thank you for your time and have a great evening.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
Dear CFPB, I am writing because I am being unfairly harassed and sued by Profession Finance Company on behalf of Colorado XXXX XXXX XXXX for emergency medical services provided XX/XX/2017. 

I was fully insured at the time of service by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MA XXXX Phone : XXXX Group # : XXXX That insurance information was provided at the time of service and several times there after AND The insurer has agreed to accept the claim even though it it late if the provider just resubmits it AND In a conference call with XXXX XXXX XXXX XXXX and a my insurer, a XXXX representative explained that only the provider can submit or re-submit the claim AND The XXXX XXXX XXXX XXXX representative agreed to resubmit the claim but never did so. 

The non-payment is therefor the sole responsibility of Colorado XXXX XXXX XXXX and PFC who have been negligent in failing to properly submit ( or re-submit ) this claim as instructed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My CapitalOne card was first used without authorization XX/XX/XXXX then on XX/XX/XXXX and XXXX, each time for {$59.00} to XXXX. Those charges have been removed each time except for most recent one. 
The problem is I have to spend HOURS on phone with Customer Svc, then await a new card ( I am on my 4th card in 2 months! ). I spoke with them many times to stop recurring charge but am told this is a " subscription '' and, even though I had nothing to do with originating the charge, I/they can't stop it. Visa, not XXXX, sends new card # immediately to XXXX so the charge reappears before I even receive new card. I emailed Visa and await a reply. 
On XX/XX/XXXX a XXXX " supervisor '' said this vendor, XXXX, " will be blocked for 15 months ''. Obviously this didn't happen. 
XXXX, when called, states that neither my name nor any of card numbers match any in their computer files and they insist that they are NOT billing my account even though my statement shows XXXX as vendor with their correct name & address. 
There are also 2 other vendor charges, XXXX and XXXX XXXX, that recur ; they are {$9.00} each. 
but are more easily dismissed without the phone calls, new card, etc..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I have received multiple calls and texts from an XXXX, FL number XXXX that is associated with Synchrony bank. Calls on XX/XX/20 @ XXXX, XXXX, and XXXX. Calls on XX/XX/20 @ XXXX and XXXX. 
I have received texts from this text number, XXXX, on XX/XX/20 ( FreeMsg : Synchrony Bank. Attention Requested. This is to collect a debt info will be used for that purpose. mysynchrony.com or call XXXX. To opt out reply STOP ), XX/XX/20 ( FreeMsg : Synchrony Bank. Your CareCredit acct. is past due. Call XXXX or go to mysynchrony.com. This is to collect a debt info will be used for that purpose. To opt out reply STOP. ), and XX/XX/20 ( FreeMsg : Synchrony Bank. Payment reminder on your CareCredit acct. Call XXXX or go to mysynchrony.com. This is to collect a debt info will be used for that purpose. To opt out reply STOP. )

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 2020-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: CO

Complaint narrative:
Southwest Credit Systems says I owe an account to XXXX XXXX in the amount of XXXX opened in XX/XX/XXXX. This is not possible since I have been incarcerated in the Colorado Department of Corrections since XXXX. They have refused to validate the debt and provide original copy of the contract. I gave them 60 days, no response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
This account was closed by mistake. I had intended to pay it to a {$0.00} balance with a debt consolidation loan, but the lender sent a letter to some of my creditors asking they they close the account without my knowledge or consent. I have tried repeatedly to correct this and am going through this issue with several creditors and have had no issue with most of them but I am being repeatedly told that Synchrony will not reopen the account for any reason even if the request was in error or unauthorized.

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 2020-09-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: OH

Complaint narrative:
I bought a XXXX XXXX XXXX XXXX in XXXX with 60 payments with final payment in XX/XX/XXXX. I have since paid off the motorcycle and trying to get US Bank to release with the OHIO BMV in XXXX, OHIO. I have called starting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time I get a Rep telling me that they sent a request of lean release of a tittle to their auditor dept. I have had 2 Reps promise that they would call me back, none have. I need to get a title of my motorcycle because I have lost it and when I went to the OHIO BMV they said the bank hasn't released it yet. This is bad business practice that I can not get someone to confirm that I paid the bank lean off back in 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 2020-09-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/2020 I deposited {$20000.00} with Capital One 360 with the promise of {$500.00} bonus and 1.36 % interest rate if the XXXX was left deposited for 3 months. The interest rate payment dropped the first month and 3 months later I received {$200.00} instead of the {$500.00}. I called for clarification and was told that I needed to deposit and maintain a {$50000.00} deposit for the {$500.00}. That was not what was advertised. No where was {$50000.00} mentioned, seems like a " bait and switch. '' Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened a CitiBusiness Checking account on XX/XX/XXXX, under a promotion that I had been mailed that stated I would get a bonus of {$700.00} if I deposited {$25000.00} into the account within 30 calendar days of opening it, and then maintained that balance for at least 60 calendar days. I would then get a bonus 90 days later. I deposited the money into the account on XX/XX/2020. I maintained a balance of over {$25000.00} way longer than needed for the promotion. I called multiple times and was told that I was eligible for the promotion and would receive the {$700.00} at the end of XXXX, 90 days after satisfying the original requirements. On XX/XX/XXXX I logged into my account and saw that the {$700.00} promotion had been credited to my account. However, sometime in the last month, this credit disappeared and when I called customer service, they have no history of giving me the {$700.00}, nor taking it away, and have no idea what happened. They told me there was nothing they could do to help me. It has now been over 7 months since I opened the account and deposited the money and I have no bonus to show for it.

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 2020-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
After XXXX rep advised me to take action that would be harmful to my account without discussing the ramifications of that action, she called to inform me that my account was being removed from their program. I told her that at that point, all future communications needed to be in writing. Today I received another phonecall from a different XXXX rep. She advised that there were no notes to indicate written contact only and that she would update their system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-08 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: OH

Complaint narrative:
On XXXX XXXX 4 new inquires that i did not authorize appeared on my credit report. They are XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX. I have other inquires that i did not authorize too. I had a credit freeze on my credit because of identity thef. They are XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX  XX/XX/XXXX. 
Also telephone number XXXX does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: OH

Complaint narrative:
On XXXX XXXX 4 new inquires that i did not authorize appeared on my credit report. They are XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. I have other inquires that i did not authorize too. I had a credit freeze on my credit because of identity thef. They are XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX. 
Also telephone number XXXX does not belong to 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 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Georgia XXXX Social : XXXX DOB : XXXX To whom it may concern, Please remove the fraud alert that you have on my credit file, this fraud alert should not be a part of my credit file. Please send me an updated copy of my credit file to the address listed above, thank you in advance. 

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
Consumer complaint received 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Social : XXXX DOB : XXXX To whom it may concern, Please remove the fraud alert that you have on my credit file, this fraud alert should not be a part of my credit file. Please send me an updated copy of my credit file to the address listed above, thank you in advance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Georgia XXXX Social : XXXX DOB : XXXX To whom it may concern, Please remove the fraud alert that you have on my credit file, this fraud alert should not be a part of my credit file. Please send me an updated copy of my credit file to the address listed above, thank you in advance. 

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