vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: E*TRADE BANK
State: NC

Complaint narrative:
*** I have had a freeze on all three credit reporting agencies for just over one year XXXX On or about XX/XX/2021, I received a packet in the mail from E*Trade in a solid green plastic envelope. Out of curiosity I opened the packet to find checks, deposit slips, check register, and check book cover. My full name and address were on the checks/deposit slips. I DID NOT REQUEST A CHECKING ACCOUNT FROM E*TRADE! I called E*Trade using a phone number I found on their website and explained the above. He asked for my name and account number - which I gave him. He then asked for my social security number - I gave him no other personal identifying information. The representative offered no information as to how or who created the account. He said he would immediately close the account ; they would research the creation of the account ; and send me a letter with their findings. I received a letter from E*Trade on XX/XX/2021. This letter shows the last 4 digits of the account, and is addressed in my first and last name and current address. The letter states, " E*Trade Bank has decided to exercise its discretion to close the above referenced account. '' NO EXPLANATION OF ANY KIND. The final paragraph states if I did not recently open an account at E*Trade to consider several of eight different options ; i.e. complete a notarized affidavit of identify theft at ftc.gov ; file a police report ; etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
XXXX XXXX Finance/Personal XX/XX/2020 TransUnion XXXX XXXX XXXX  XX/XX/2020 TransUnion XXXX Finance/Personal XX/XX/2020 TransUnion XXXX Finance/Personal XX/XX/2020 TransUnion XXXX Finance/Personal XX/XX/2020 TransUnion XXXX XXXX Finance/Personal XX/XX/2020 TransUnion XXXX XXXX XXXX  XX/XX/2020 TransUnion XXXX XXXX XXXX  XX/XX/2020 TransUnion XXXX XXXX XXXX XX/XX/2020 TransUnion XXXX Finance/Personal XX/XX/2020 TransUnion XXXX Finance/Personal XX/XX/2020 TransUnion XXXX XXXX XXXX XXXX XX/XX/2020 TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2021-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have received 1 call a day from portfoliorecov every day except weekends for the past 3 weeks always from different numbers. I never received a written notice of a debt owed prior to them calling me and I do not owe any debts to my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Shellpoint Mortgage is not Honoring an Agreement that they ( Shellpoint ) made up & signed in Federal Court ... .. 

Shellpoint Mortgage is still adding Fraud to my Account, something they said, in writing, that they would stop doing .... 

Please Help Me ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bendett & McHugh, P.C.
State: MA

Complaint narrative:
Since of XXXX we have been criminally harrassed and threaten with unlawful conversion. This fraudulent claim of an alleged debt is absurd since The us government is responsible for all public debt. This private property has no association with This fraudulent debt which these individuals have willingly and knowingly conspiring to violate our Unalienable rights of Freedom of liberty 's while acting under color of law. We have spoken to this debt collectors assistant XXXX on XX/XX/XXXX and informed Them in good faith to CEASE AND DESIST IMMEDIATELY ALL UNLAWFUL Activities upon our private estate. This property has been discharged and controlled by a Foreign trust which these individuals are willfully engaged in Criminal Trespassing AGENT TO PRINCIPAL IS PRINCIPAL TO AGENT IGNORANCE OF THE LAW IS NO EXCUSE NOR DEFENSE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am a victim of identity theft, Please remove all accounts and inquiries that, I have mentioned in this report they do not belong to me, therefore, needs to be remove those account per FCRA 605 ( B ) U.S.C. 15 as prescribed by the FTC FCRA. 

MACYS/DSNB Account number - XXXX Account status - Closed Date opened - XX/XX/2016 Account type - Charge Card

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 2021-06-24 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
ALLY FINANCIAL Auto Financing XX/XX/2020 Experian XXXX XXXX XXXX Auto Dealers, New XX/XX/2020 Experian GLOBAL LENDING SERVICE Auto Financing XX/XX/2020 Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/2020 Experian XXXX XXXX XXXX Auto Financing XX/XX/2020 Experian XXXX XXXX AUTO FIN Auto Financing XX/XX/2020 Experian XXXX XXXX Auto Dealers, Used XX/XX/2020 Experian XXXX XXXX XXXX Auto Financing XX/XX/2020 Experian XXXX CREDIT/JONES XXXX XXXX XXXX, Used XX/XX/2020 Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/2020 Experian XXXX Auto Financing XX/XX/2020 Experian XXXX XXXX ACCEPT Auto Financing XX/XX/2020 Experian NOWCOM/CERTIFIED AUTO Auto Dealers, Used XX/XX/2020 Experian XXXX XXXX BANK XXXX Bank XXXX XXXX XX/XX/2020 Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2021-06-24 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: LEXISNEXIS
State: TX

Complaint narrative:
Lexis Nexis Risk Management Solutions has an email address listed for me on their Person Search feature that does not belong to me. 

This address is associated with an ID theft issue from several years ago and is a know scam address. 

I have asked them several times to remove this address but they refuse to take it off my file and it is now causing me issues since the address is associated with Spam and illegal activities. 

They are causing me harm by refusing to remove the address. 

The address is XXXX I have never used that address and it should not be listed as belonging to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: AR

Complaint narrative:
FedLoan servicing has miscalculated my payments. I only have 55 eligible payments for forgiveness when I should have at least 64, if not 76. I turned in my annual certification for my employment on XX/XX/XXXX and it has not yet been processed. That is over 60 days ago and this is not acceptable. Payments after my grace period are not counted. I should only have 24 additional months not counted due to deferment. This company has failed numerous times to communicate with me on these accounts. When I submitted a request regarding missing payments, I was told that it was because of deferment. I used my deferment periods in XX/XX/XXXX-XX/XX/XXXX. My grace period ended in XX/XX/XXXX. Payments from XX/XX/XXXX-XX/XX/XXXX are not being counted. Please investigate this. This is not the first time I've filed a complaint on this servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I XXXX XXXX the Consumer and natural person sent a letter of validation to Wells Fargo on XX/XX/XXXX after noticing an unauthorized account on my consumer credit report. They responded asking for more details about the account to confirm it and I immediately responded answering every question they asked me to get the validation I originally asked for. I sent that second letter XX/XX/XXXX and have yet to receive a response from them. I would really like to get this problem resolved quickly so that I can have this debt removed from being advertised on my consumer credit 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 non-monetary relief
Consumer complaint received 2021-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
My lender is not helping me save my house. I tried asking them for help but they keep on saying that no options available for me to save my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The information on my credit file is not 100 % accurate and not 100 % verifiable under the Federal Fair Credit Reporting Act ( FCRA ) promotes which the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 

Please review and remove all inaccuracies and unverifiable information.

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 2021-06-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
Debt collector is attempting to collect a debt on behalf of XXXX XXXX which is not valid. 
Original Creditor states rent is owed for XXXX of 2020. I purchased a home and moved OUT of the rental property XX/XX/2020. 

I previously gave notice to rental company that I was leaving. 

My lease expired in XX/XX/2020 and they allowed me to excercise a 2 month, Month to Month lease which I used for XXXX and XXXX. 

I have asked for debt validation SEVERAL 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 explanation
Consumer complaint received 2021-06-24 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: Southeast Finance Inc.
State: SC

Complaint narrative:
Thursday XX/XX/2021 - XXXX XXXX Company Name XXXX XXXX Hello XXXX, We are regrettably unable to approve your loan application XXXX in the amount of {$27000.00} at this time. Our principal reason ( s ) for this decision are indicated below : Our credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency listed below. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have a right to dispute the matter with the reporting agency. Consumer Reporting Agency : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX We appreciate you giving us the opportunity to earn your business and hope that you will consider us in the future They listed XXXX  as to the reason why I was denied the credit of XXXX I have great credit and there are three disputes going on now with XXXX that do not belong on my credit report so I am not sure why I was denied. I was able to secure a loan from another company for XXXX so not quite sure why Southeast Financial rejected me. So I am asking XXXX  as to what information was given to them to deny my request for credit.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo admitted on XX/XX/2021 that they do not have any original loan documentation in their possession. They have failed to provide me the debt verification that I requested. Please stop sending me copies of a contract, copies of a online credit application and copies of database transactions. As those documents are not proper validation by law pursuant to 15 USC 1692 ( g ). Please remove this unverified invalid account from my credit files immediately.

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 2021-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
In XXXX of 2021 I purchased a home. On XX/XX/2021 the loan was acquired by NewRez. On XX/XX/2021 I received a letter from NewRez LLC that said their records show my hazard insurance had expired and they plan to buy insurance for my property. The letter said to call them if I have questions. The phone number in the letter XXXX XXXX ) did not work. So I XXXX XXXX NewRez and called the number I found. That was for a different company, not sure the organizational structure of NewRez, but they were able to provide the number I needed.

I finally reached someone at NewRez and imagine my surprise, they had received the documentation of my insurance that very day! This was on XX/XX/XXXX. 

My complaints : 1. The phone number provided in the " debt collection letter '' is not in service. Consumer unable to call based on that.

2. Timing is really suspicious. They acquire a loan and don't get the insurance information at that time? Suspect. Then they wait a few months after acquiring to realize that there's no insurance and send a letter? What kind of business are they running? Then the documentation magically appears the very same day I phone them? Also suspicious. 

This whole thing seems pretty shady to me. Feels like they're preying on consumers who aren't going to be as diligent as I am on tracking them down and holding them accountable. 

In fairness, when I finally did reach someone they were super friendly and helpful. They provided me the date the loan was acquired, and answered all my questions, and patiently listened to my rant! Even offered to file the complaint on my behalf ( I mentioned the CFPB on the phone ) which I asked her to do. So that's great. I'm not really clear on whether the complaint she referred to was something internal at NewRez or if she meant she'd file something to the CFPB. So if CFPB received duplicate complaints, one from me and one from them, sorry! They win some points if that's the case for actually filing the thing.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've contacted Transunion multiple times, via through mail and telephone. Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I never gave Transunion any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached with this request. 
In regards to the accounts and inquiries listed below, as a consumer Im demanding a deletion of these items. 
1. XXXX XXXX XXXX XXXX 2. XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX 7. XXXX XXXX ( Inquiry Date : XX/XX/2020 ) 8. XXXX XXXX ( Inquiry Date : XX/XX/2020 ) 9. XXXX ( Inquiry Date : XX/XX/2020 ) 10. XXXX ( Inquiry Date : XX/XX/2020 ) 11. XXXX XXXX ( Inquiry Date : XX/XX/2020 ) 12. XXXX XXXX XXXX These accounts are individual actions, they must be delete immediately.

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 2021-06-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA
State: WI

Complaint narrative:
My XXXX XXXX XXXX was stolen XX/XX/XXXX and I filed police report and notified the finance company XXXX. Insurance covered rental for 30 days and no additional coverage from dealer. Auto was found same day it still had not been fixed due to alarming rate of XXXX and hyundai being stolen. I have contacted XXXX on several occasions for a deferment of payment as I have to pay for rental car and unable to do both as the car is still not returned to me. They are not willing to help at all. I waited for supervisor to call back over a week and they still had not. I called back today only to get no where with this. I need assistance.

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 2021-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
On XX/XX/XXXX, I requested to transfer my Capital One Roth 360 IRA Savings account to an XXXX Roth IRA. After filling out and signing the appropriate forms so that the transfer could go through XXXX 's third party clearing operator, XXXX XXXX, months went by with no communication except for a weekly form email saying " Thank you for your patience. '' I spoke with Capital One on XX/XX/XXXX, and they told me that a check had been sent out on XX/XX/XXXX. I spoke to them again on XX/XX/XXXX, where I requested an affidavit to receive the funds from my Capital One account directly rather than moving them to XXXX, since I had lost faith in XXXX clearing after so many months of the runaround. They said they would email me this form ( they still have not XXXX. 

Meanwhile .... on XX/XX/XXXX, I received a message from XXXX stating that XXXX XXXX  HAD received my check on XX/XX/XXXX, but they rejected it because Capital One had not filled in the correct information on it. XXXX gave me no indication of this at the time despite my inquiries into its whereabouts. 

So on XX/XX/XXXX I called Capital One back to ask them to reissue the check with the correct information. They now claim that the affidavit I requested to get the money transferred to me is also required to get the check reissued to XXXX and that this form must be notarized. They also claim that the form was emailed to me on XX/XX/XXXX, but it was not XXXX I have scoured every part of my inbox ). 

So now my money is not in any of my accounts, and Capital One will not let me access it without a form that they are not providing me. 

Note : I'm listing Capital One as the company on the complaint because they you can only list one, and since they are the ones who are keeping my money from me, they are the ones most likely to be able to resolve the issue with pressure from you. But I believe all three companies, Capital One, XXXX, and XXXX XXXX, are at fault in varying degrees for what's happened here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Dear Legal Team, The collection previously deleted by XXXX XXXX XXXX  has been illegally reinserted using false, deceptive and misleading practices. 

XXXX XXXX XXXX commits false, misleading and unfair practices illegally reinserting a previously deleted collection with the same original creditor by arbitrarily reporting a false balance and account number : XXXX XXXX XXXX XXXX ; Open Date XX/XX/XXXX ; Account # XXXX ; Balance : {$2100.00} vs. the newly inserted XXXX XXXX XXXX XXXX : Open Date XX/XX/XXXX ; Account # XXXX ; Balance : {$610.00}. 

PLEASE REMOVE IMMEDATELY.

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