vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
In response to a previous complaint, on XX/XX/XXXX XXXX XXXX in the Compliance Department stated the following. 

" The conversation ended with you scheduling a payment of {$4500.00} with XXXX XXXX. On XX/XX/XXXX, the XX/XX/XXXX through XX/XX/XXXX installments were deferred. As of the date of this communication, the loan is current, and the next monthly installment will become due on XX/XX/XXXX. '' Since then I have tried to set up recurring monthly payments but receive the error stating " Your account must be current prior to setting up recurring monthly payments '' However, as per XXXX XXXX, my account is current and has since been. I waited a few months, perhaps the website needed to update. In the mean time, I had to make manual scheduled payments to keep my account current. 

I emailed XXXX XXXX on XX/XX/XXXX regarding this issue with no response. I tried calling XXXX XXXX, but could not get a hold of her. 

At the end of XXXX I noticed that I could set up recurring payments again on the website so I did so and proceeded in confidence that my mortgage would be paid monthly as per the terms set forward in the recurring payments. However, today XX/XX/XXXX I see that the recurring payments were not set and now I have been assessed a late fee for a payment that was due on XX/XX/XXXX. 

It is due to Shellpoint 's inability to reply in a timely manner as well as website issues that have caused my account to not be current. Although I have made effort on my end to remedy this, it has not been resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
XXXX  and Transunion are report XXXX XXXX XXXX XXXX XXXX {$620.00} debt thats 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 2021-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
Hello- I am receiving debt collections call from an account that Citizen 's Bank closed. I had NEVER previously used the account. But monthly fees accrued and then the account was closed and sent to a debt collection agency for {$73.00}. This negative balance or amount owed I'm assuming was for monthly fees on the account. Because I have NEVER used the account. I would appreciate if Citizens Bank would not report credit negative comments and send my information to a debt collector who I now feel like is harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
All correspondence is saved emails, vmail, and texts which can be uploaded when requested. 

XX/XX/2021, TCF rep offered competitive terms. I asked to lock rate. We discontinued working with two other home mortgage lenders whose terms were close, but not as good. 

XX/XX/2021, my wife and I signed rate lock form, and uploaded all supporting materials required. 
XX/XX/2021, TCF retroactively unchecked the rate lock box on the DocuSign document, lost supporting documents, and repeatedly asked us to resubmit, which we did. 
XX/XX/2021, TCF filed an exemption on our behalf to retrieve their prior terms. 
XX/XX/2021, TCF approved exemption, but at a higher rate with altered/worse terms. 
XX/XX/2021, we relented to the new agreement, signed the DocuSign to finalize loan approval, pending appraisal alone. 
XX/XX/2021, we resent appraisal billing information for approval because TCF lost it again. 
XX/XX/2021, I called and verbally submitted appraisal billing information again, because TCF lost it a third time. 
XX/XX/2021, payment ran. 
XX/XX/2021-XX/XX/2021, fraudulent transactions occurred on same card ( the card was never previously compromised ). 

XX/XX/2021, appraisal completed. 
XX/XX/2021, appraisal finalized and submitted. 
XX/XX/2021, we received appraisal, and it landed in excess of loan requirements. 

XX/XX/2021, XXXX, TCF rep emailed us a communication stating that underwriters have changed our agreement, and added after-the-fact requirements, asking for additional redundant documentation along with a hand-written, signed, and dated letter of need. 
XX/XX/2021, XXXX, we completed their new list of demands. 

XX/XX/2021, TCF  rep will not respond to call, email, text. 

To date, no explanation or apologies have been offered by any TCF representatives. No offer for the opportunity cost and time-cost damages have been offered or mentioned. No timelines or estimates on closing dates have been communicated. Obviously, we have no assurance that our sensitive information has been kept secure, no evidence that TCF honors their good faith contracts, and no clear communication whatsoever. The expiration date for the second rate lock DocuSign is approaching in about two weeks. 

What is our recourse?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have an account with Citibank with roughly XXXX dollars in it. This is all of my money, I do not bank with anyone else. On XX/XX/XXXX I noticed that my credit card payments made XX/XX/XXXX were getting bounced back. I called Citibank and they told me that my account had been frozen since XX/XX/XXXX. They did not send me any notification in this case and when I called they informed me that they were closing the account and would send me my money in 30-60 days. This is the middle of a pandemic and if I do not get my money sooner I may die.

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 2021-04-21 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: CA

Complaint narrative:
Transunion continues to report accounts that were never opened by me. 

XXXX XXXX XXXX  # XXXX ( Account incorrectly Reporting on my report. ) I previously owned a XXXX but it was a XXXX XXXX XXXX. I acquired this car in XXXX It was totalled in a car accident in XXXX. I never owned another XXXX. 

XXXX XXXX XXXX XXXX # XXXX ( Account incorrectly Reporting on my report. ) This was a fraudulent account opened back in XXXX. I filed a report with my local police department and the account was removed but it has shown back up two times. I had a authorized user XXXX  account that my mother added me to that she opened in XXXX. 

XXXX XXXX XXXX  XXXX # XXXX This account was fraudulently opened up back in XXXX. I filed a report with my local police department and the account was removed but it has shown back up recently.

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 2021-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: United Revenue Corporation
State: IL

Complaint narrative:
I received a copy of my credit reports and noticed that United Revenue Corporation at XXXX XXXX, XXXX XXXX, XXXX, TX XXXX was reporting two medical bills on my credit reports. I immediately reached out to them via certified mail and asked that they verify the debt that they are attempting to collect. I also asked them if they had permission from me via a signed document giving my permission from the hospital to release my personal and private information to them in their attempt to collect a debt that may very well not be mine. I sent my initial request to them in writing dated XX/XX/2021. They responded back with a letter dated XX/XX/2021 with both personal and private information regarding treatment that was given to someone bearing my name but no proof of a signed contract by me nor a signed HIPPA from my giving them access to information on me. I wrote to them again via certified mail with a letter dated XX/XX/2021, informing them that they still never complied with my first request of a signed contract nor a signed HIPPA release form and therefore I was asking that they again verify the said debt they are trying to collect on. 
They responded back via letter on XX/XX/2021 with the remarks that they were classifying your continued vague disputes as frivolous attempts to dispute information that you know to be accurate this was their response verbatim. This is very offensive to me as I know my rights. How is my request for proper, solid verification a frivolous attempt to dispute when I have every right by law to ask for them to show me in writing verification of a debt they say I owe? They are violating many of my rights and I would like to have this matter investigated. Thank you for your attention to this matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/XXXX, I started receiving several fraud detection notifications from Capital One for unusual charges. I called, we closed that card number and reopened another, and disputed all the charges I did not make. About a week later I started receiving packages in the mail of random junk. I noticed that two charges were added back from the fraud dispute, and Capital One notified me that the merchants provided valid tracking information and that I was liable for the charges. 

I was advised to return to sender anything that I had. They credited one of the charges that was {$5.00}, but a charge for {$47.00} they were holding me liable for. I contacted the merchant, they said there was no way for them to refund anything that was processed as return to sender unless I called and got an RMA. 

I filed with US Postal Inspection Service for mail fraud, and Capital One still did not care and said the case has been resolved. I suspect this is some new fraud scheme involving mailing overpriced junk and sending consumers into a dispute circle with the hope that they give up from the small amounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I requested this XX/XX/XXXX and they are refusing Request to Validate Medical Debt XXXX XXXX Common Wealth Financial XXXX XXXX XXXX  # XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX, XXXX  and XXXX  XXXX XXXX PA XXXX XX/XX/XXXX XXXX Amount of debt : {$1200.00}. Account Number # XXXX Date of Service : XX/XX/XXXX Email : XXXX Provider of Service : XXXX XXXX XXXX  XXXX Dear collection agent, I received a bill from you and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from [ name of hospital/doctor ], but I am unaware of the amount due and your bill does not include a breakdown of any fees. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Plus the information release without mu authorization is from a minor. I hope to hear from you as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have complained to Suntrust about the monthly fees charged to my various accounts many times over the years. The bank representatives changed the setting in its system and promised me no more fees in the future. But after a few months, the fees re-appeared again. I have been with the bank over 10 years and maintained high balances on the various accounts. The bank classifies me as " premier customer '' due to the relationship but treated me badly. Recently regarding the fees, I have contacted a few bank representatives ( my premier banker, branch managers, etc ) via emails, texts and calls multiple times but got no response.

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 monetary relief
Consumer complaint received 2021-04-21 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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 2021-04-21 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: FL

Complaint narrative:
I discovered in my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as 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 2021-04-21 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: FL

Complaint narrative:
I discovered in my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: NJ

Complaint narrative:
On XXXX, 2020, I pulled my credit report from XXXX and went over it and found out multiple accounts that were not mine, several years ago, I lost my personal documents, that could be a reason of why those unknown accounts were on my credit report. I have no other reason but to believe that I am a victim of Identity Theft, I am currently dealing with Identity Theft Issue with the credit bureaus since I found out, I am almost done, except that I recently review my updated credit report and found out a new account on my credit report that does not belong to me, the collection name for an alleged medical debt is XXXX XXXX XXXX, so I am asking to please stop further collection activities and remove it from my 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 explanation
Consumer complaint received 2021-04-21 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: NJ

Complaint narrative:
On XXXX, 2020, I pulled my credit report from XXXX and went over it and found out multiple accounts that were not mine, several years ago, I lost my personal documents, that could be a reason of why those unknown accounts were on my credit report. I have no other reason but to believe that I am a victim of Identity Theft, I am currently dealing with Identity Theft Issue with the credit bureaus since I found out, I am almost done, except that I recently review my updated credit report and found out a new account on my credit report that does not belong to me, the collection name for an alleged medical debt is XXXX XXXX XXXX, so I am asking to please stop further collection activities and remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
On my background report my SSN year issue date is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WESTSTAR MORTGAGE CORPORATION
State: MN

Complaint narrative:
WestStar Mortgage Corporation sent me a bill for my mortgage payment due in XXXX that did not arrive until after its due date. I paid the bill in a timely manner, but was still charged a late fee. 

Prior to receiving the late bill in the mail, I contacted WestStar Mortgage to tell them I had not received the bill. I was concerned that it was going to be late and wanted to let them know that I would pay it as soon as I received it. 

After the late fees were issued, I called and left several messages for someone named XXXX that was supposed to be helping me. There was no communication from her. I'm still told that the best approach is to leave her messages even though there is no communication back. 

I tried to proactively set up online payments to avoid paper bills from WestStar that frequently days before they are due. WestStar mortgage continued to request that I send an email to them with my social security number and account information. This is not compliant with any requirements regarding the protection of consumers personal identifying information. I told them I was not comfortable doing this. After several calls I was able to enroll in a third party online payment service. I know I am not the only person who has had this experience with how WestStar is doing business. They are using " slow mail '' as an excuse to charge late fees and not working with their customers on alternative payment methods.

Company response to consumer: Closed with explanation