vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
We have an opened Mastercard account at XXXX XXXX with XXXX  past due since XX/XX/XXXX. 
Although XXXX XXXX, the data furnisher, confirmed they provided, and still provides, accurate data on all months as reported fully paid on time ( see XXXX letter attached ) since XX/XX/XXXX, Experian refuses ( we spent hours over the phone ) to print the whole months paid correctly from XX/XX/XXXX up to XX/XX/XXXX ( see attachements ). The green dots only start to appear on XX/XX/XXXX instead of on XX/XX/XXXX. This omission in the PAYMENT HISTORY MATRIX of the credit history leads other agencies and lenders to conclude that the data are not available in the history before XX/XX/XXXX. This is a lack of accuracy in the representation. As the age of good standing history does matter a lot in the score computations it is absolutely fair to represent the full history with all dots with green points since XX/XX/XXXX in full within the payment history matrix in our report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft WFFNB/XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine.

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 2021-11-11 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: DISCOVER BANK
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I have been in Covid forbearance for about 18 months. During this time, I was taking care of my elderly mother. She died in XXXX and I just had the funeral in XXXX. Due to all of this, I have not been working and unable to resume monthly mortgage payments. I asked Shellpoint Mortage for a modifcation ; specifically, for the lowest amount possible. Shellpoint said that I qualify for a Covid modifcation. They give me payments of about {$700.00} per month. I tell them that this is unaffordable at this point in time. I am in the process of getting re-stabilized financially and only bring in about {$800.00} per month. They said there is nothing more they can do. 

I only owe about {$37000.00} on the mortgage. The regular payments are about {$1000.00} per month. Surely they can lower the monthly payment amounts to less than {$700.00} ... at least temporarily. I have been in my home since 1998 and will be homeless if I can not work out an agreement with Shellpoint Mortgage. 

Any assistance would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had a savings account that started to incur {$5.00} month service fee without notice when my balance become lower than {$300.00}. Wells Fargo says it was in disclosure I agreed to when opening the account. I did not receive notice that the free would be incurred once it started. I had no reason to monitor this savings account, after 11 months I finally noticed. I called the bank and closed the account and they only refund {$30.00} of the {$50.00} charged. I maintain a a separate savings account at the same bank that I maintain the required amount to avoid service fee. Notice should be given when fees are incurred.

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 2021-11-11 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: DISCOVER BANK
State: CA

Complaint narrative:
I have been in contact with Discover and they had advised me on XX/XX/2021 that the amount that they had offered for a settlement was 50 % of the balance. They were contacted various times and this was not the amount advised as I had the information written. I'm in a significant hardship due a permanent health condition. The agent was advised that I was not able to come up with the funding which they advised was to settle at 65 % of the balance and would not change this amount. I have secured a amount that is close to the 50 % which is 35 days subsequent to the date I contacted the credit card. The position they have taken is to advise that they will not honor the 50 % which was not advised and kept requesting a minimum payment to secure the settlement which is higher than the 50 % now at 60 %. I have secured money from a family member to settle the debt and am formally requesting help from CFPB for the credit card company to honor what they advised would be the amount to settle with me. The last representative in XX/XX/2021 has misled me and not advised of the amount the representative advised on XX/XX/2021. Discover attempted to increase the settlement to 60 % and make the payments extend to 36 months to make it seem as if they were working with me but they are not as the increase of 10 percent is significant when do not have income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: KEYCORP
State: CT

Complaint narrative:
Im receiving aggressive bill collecting. This account is being paid through XXXX XXXX XXXX. Payments have been sent to this company, yet the harassing calls persist.There seems to be a concerted effort to bully me into giving more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: GA

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I represent myself. I sent a cease and desist and validation of debt, Capital One received it on XX/XX/2021. They did not answer any of the questions on my audit request. Soon after they closed my account within the 30 days of Cease and Desist. Also they report fraudulent delinquent activity on my credit report. It has cause so much anxiety and stress because I exercised my rights as a consumer. Under Title 15, Capital One has committed misleading, deceptive acts. XXXX XXXX I sent them my billing error notice because they were not truthful as to how to make payments for my alleged debt. I demand an answer, full documentary evidence and for opening new accounts with the correct methods of payments issued on my account pursuant to 12 CFR 1023.13. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I once had a secured loan with XXXX XXXX XXXX XXXX. That loan was paid off and the account closed out in good standing but its still showing up on my credit report. I therefore want XXXX XXXX XXXX XXXX deleted from my credit report please.

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 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX Balance : {$1400.00} Opened Date XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2021 XXXX  XXXX  XX/XX/2021 XXXX  XX/XX/2021 XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX I do not have a contract with ARS plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$1300.00}

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 2021-11-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I, XXXX XXXX XXXX , am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) //// CAPITAL ONE willfully violating the FCRA. Without my direct written consent CAPITAL ONE have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the reporting of that account on my behalf./// CAPITAL ONE based on false and misleading representation with undisclosed material facts about the original creditor, which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// I'm demanding that capital one provide the name and address of the original creditor pursuant to 12 CFR 1006.38 ( c ). 
Im being denied credit CAPITAL ONE is harming my reputation, by reporting negative items on my consumer credit report with allege late payments, which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) CAPITAL ONE need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. My consumer right to privacy has been breached in multiple counts, for multiple accounts by CAPITAL ONE./// Pursuant to 15 USC 1681b ( a ) ( 2 ) CAPITAL ONE may not furnish negative information to my consumer report without with my written instruction. No consent is identity theft pursuant to 12 CFR 1022.3 ( h ) //// CAPITAL ONE NEED TO REMOVE AND DELETE THESE NEGATIVE REPORT IMMEDIATELY from my consumer credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: IN

Complaint narrative:
I get charged several excessive fees when I use an ATM only one time within a day. My account appears as if I made multiple visits. 

My auto pay has been declined when no money is deposited on card. I feel this to has caused me to be charged excessive fees. 

My card has been positive on several occasions and declined. Then the company holds my money in a pending status for 15 to 20 days. Sometimes more than the charge. And while the money is gone the fees pile higher and higher. 

It's a profit scheme to charge fees where no circumstance would have existed had the money in the account not been put on hold. 

I'm sick to my stomach as I have tried for nearly a year to remedy these kinds of actions.

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 2021-11-11 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Financial Does not have the authority to report any information to the credit Bureaus during an open CFBP / Arbitration case. They are breaking code 12 CFR 1026. They are also not allowing the process to be completed.

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 2021-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I had my annual Escrow analysis with Mr. Cooper and was notified I would have a shortage in my escrow. I paid the amount of the escrow shortage and added another {$1000.00} to my escrow account. I was informed I could either pay the amount of the shortage or have my payment go up. I elected to pay the amount of the shortage. The funds I gave them for my escrow where never applied and they increased my payment starting in XXXX and notified me they would again be increasing it in XXXX due to a shortage in my escrow. How can I have a shortage when I not only paid them what they said they needed but extra also? I was also told when I called them regarding this that if I paid more into my escrow I would have my monthly payment decrease. 
I tried to speak with them about it and they just kept telling me my taxes went up. I get taxes go up and there might be a shortage but I paid that then I was told there was another analysis done on the account and because there was a surplus in the amount over {$25.00} they needed to refund my money by law. They just keep running me in circles. They refunded me $ XXXX of the {$12000.00} I sent them for the shortage. I have no idea what they did with the portion they kept and if they where going to refund me money why in the world didn't they keep the amount of my shortage. This just does not make any sense. 
Also they increased the amount they took out of my checking account for the payment without my authorization. I don't understand how they can take funds from my account like that. 
Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
On XX/XX/XXXX I was contacted on my personal phone by a person named XXXX XXXX who said he worked with the Department of Education and that they were giving calls to everyone who has student loans and assist them to modify current plans to a better one where my loan will be forgiving at the end. This person was well trained and talked for many minutes regarding different plans and how this will help me reduce my payments and then qualify for a student loan forgiveness by the department of education. We ended up agreeing that a {$39.00} payment a month for 240 months will be my best plan giving my salary in that time and that by the end of 240 months, the rest of my student loan will be forgiving by the Department of Education. He sent me a contract which stated all this and I agreed to it giving my bank information. In that time I never thought people would be so evil to get to all that trouble to scam people with student loans. I mean its student loans for XXXX sakes! I was stressed and just wanted to pay off my student loan among others, so I agreed. My first payment was done of {$790.00} for filing fee to a company working with the Department of Education named XXXX XXXX and then {$39.00} a month after that for 240 months. First payment was done on XX/XX/2020. Second and all other consecutive payments of {$39.00} will de done on XX/XX/2020 and onwards. As he said every month I was paying {$39.00} a month and I was relieved as I was paying my student loan and doing the right thing. On XX/XX/XXXX my new student loan servicer ( NAVIENT ) that was appointed by this person called me to inform me that on XX/XX/XXXX covid 19 National Emergency Forbearance , will finish and I will have to start paying my debt again. I wasn't sure what he was talking about because on my side I was paying my student loan at {$39.00} in autopayment for the next 240 months! I searched my old emails and opened one that said Navient logged in and noticed no payments have been made. I realized I was a victim of fraud and didn't know what to do. This is unacceptable to have companies like this exist and I honestly believe NAVIENT is also to blame as it was their bank of choice which also belongs to the DEPARTMENT OF EDUCATION! 
They should be trialed by court and pay for being accomplices to this XXXX XXXX and XXXX XXXX. They should all be sued and trialed by court. I can't imagine how many others are victims of this. 
I have closed my bank account and submitted a claim fraud to fight this act of fraud. 
Please if you have any way to assist me to regain the money I lost in this fraud. Please let me know. I made one payment of {$790.00} and 23 payments of {$39.00} it all adds up to {$1600.00}. 
Thank you.

Company response to consumer: Closed with explanation