vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I keep sending them proof of insurance they seem to never get them? I send them two copies already and they said they didn't get it? I sent them copies of the HOA master policy with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ca XXXX XXXX. It states XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX # XXXX. My personal is with XXXX XXXX XXXX # XXXX phone # XXXX. 

My mortgage company is Shellpoint XXXX. XXXX XXXX XXXX Mi XXXX Phone XXXX loan # XXXX I feel they keep doing this thinking if they do it enough I will forget and they will charge me anyway.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
ATTACHMENTS INCLUDED. THIS IS NOT A DUPLICATE COMPLAINT. 
Two cars were purchased in my name, same used car dealership, same day. I finally received the application from Capital One Auto Finance today after years of request. The application was incomplete, not dated and reflects INCOMPLETE APPLICATIONS WILL NOT BE PROCESSED. The work phone and home phone numbers and email address are not mine. The contract also includes a phone number that is not mine. Salary is listed as {$25000.00} which is a lie. The Capital One Auto Finance application and contract are attached as EXHIBIT A The attached EXHIBIT B is the application and contract for the other car purchased in my name, same day, same used car dealership.. The application is dated XX/XX/2017 and the contract is dated XXXX/XXXX/2017. Salary is listed as {$300000.00} which is a lie. This claim was dropped because of permissible purpose and obvious wrongdoing. 
Capital One Auto Finances application should have never been processed because it is incomplete. Capital One Auto Finance did not have permissible purpose to access my credit per FCRA and the wrongdoing is obvious.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Gordon, Aylworth & Tami, P.C.
State: WA

Complaint narrative:
On Saturday, XX/XX/XXXX, an intimidating man with large knuckles appeared at my home and I was hesitant to open the door but eventually did as he was walking to his car. He claimed to be a process server but did not provide me with any kind of identification or business card for me to verify this information. He handed me a packet which claimed to be an electronically filed court case from the " DISTRICT COURT OF THE STATE OF WASHINGTON FOR XXXX COUNTY XXXX DIVISION - XXXX COURTHOUSE '' .I did not sign to receive it. 

I called the phone number on the packet which lead me to Gordon, Alyworth, & Tami, P.C.  Attorneys at Law where I spoke to a person named XXXX ( I may be mistaken, he only gave it once and it was very brief ). During the call I asked many questioned to clarify what this packet was about and what my options were. XXXX (? ) was very quick to give me the run around regarding options and at one point explicitly said " I did not tell you that option because I did not think you had any money '' which I took great offense to. Upon hearing that, I made sure to reiterate the things XXXX was telling me as well as ask if that were all the options for next steps possible. Initially XXXX only presented me with 2 options, but by the end of the 16 minute call, I had 3-4 options. 

Later on, I personally visited the county clerk website to see if such case existed and there was no such case against me. After consulting with an attorney I have also found that the packet that was delivered to me had no signature from the county clerk, no reference number, no court date, and no case number. Its contents were : the appearance of a summons, a copy of XXXX XXXX XXXX XXXX WA business license, and a " case information cover sheet '' allegedly from the XXXX county district court house

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
They refuse to provide tracking number provides detailed information within the attach letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
I was not notified and was unaware of this medical balance till I saw it on my credit report about 6 months ago. I contacted the company and disputed it but I did not get a explanation of the debit and they could not provide any information, just stated that they do not own the debit and they would contact the original creditor XXXX XXXX  which is not a hospital here in XXXX, FL. This has now negatively effected me in my home buying process.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: PA

Complaint narrative:
1.CRA returned dispute investigation with " updated '', although nothing was updated. The account has incomplete and missing information which was not verified or updated. FCRA, sect 611 requires prompt removal of account. CRA will not properly investigate or remove account.

2. CRA has a history of responding to these complaints claiming they have reason to believe I am not the author of my own disputes, while not notifying me of their concerns. Instead, they do not investigate or follow FCRA. Violation : FCRA sect 611 3. The CRA is repeatedly re-inserting inaccurate and incomplete information on my file. This is in violation of FCRA, sect 611.

4. Request to remove this obsolete account is permitted ( FCRA, sect 605 ). CRA will not investigate my request for removal and delete account.

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 2020-09-29 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: U.S. BANCORP
State: MA

Complaint narrative:
I am surprised that I was late on this account when I checked XXXX XXXX. I also noticed that I was marked over the limit. I made sure that all of my accounts are in automatic debit from my harbor one credit card. That card is working fine but when the pandemic hit, my account was mistakenly unlinked by harbor one bank. I tried contacting them but the bank lobby was closed due to covid19, plus I never got any statements,  or phone calls or any communication that I was late. I was advised by the bank to write a letter explaining to Elan Financial and they remove the late remark. I spoke to them via phone and they said that they will submit a ticket to remove the late payment on my report but it is still reporting. I even paid off the entire amount. See, I am doing my best to come up with a clean slate. Please help me out.

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 2020-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Hirshberg Acceptance Corporation
State: MI

Complaint narrative:
On XX/XX/XXXX of XXXX, I bought a vehicle that was financed through Modern Financial Services of XXXX. Being a first time car buyer I expected my credit to take a while to show up but was still waiting for it to come. Around XXXX of XXXX, I was still not seeing anything on my credit report from this company, so I called and questioned them. They told me we are currently having troubles with our credit Reporting, it should be there in a couple months. Around comes XX/XX/XXXX, I call again because there is still no credit report from them. Another month and a half goes by, I decide to refinance. So around XX/XX/XXXX, I refinance away from Modern Financial Services, still not seeing a credit report from this company. It has been over a year that I was financed through them, so I expected to see a years worth of credit from them, which one member of the company, XXXX, told me would happen. He told me every time I called, we will be reporting fairly, you will see a years worth of credit on your report as soon as its approved. Then when I viewed my credit today, XX/XX/XXXX it was finally there, but I was only given one months worth of credit and was told that was all I will be receiving, which is unfair and in many different ways, and I was lied to, and I have read that this is not the first time this has happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Colony Brands, Inc.
State: PA

Complaint narrative:
this account was paid i need this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
A scam artist created a XXXX post that looked just like branch app and invited me to join the contest. I regularly do business with branch, and know of other companies that do same advertisements on XXXX. They told me to like, comment with a charity I would donate winnings to and follow page. They then contacted me via XXXX and said congratulations you won. The page was created to look exactly like branch. It even said branch app. They said they need to confirm my account and I did. The scammer then accessed my account and transferred XXXX out of my account into theres. The bank branch bank denied my fraud claim and said I was at fault not them for falling for scam and confirming my account., They refused to refund the money. A signature was needed to complete transfer, and branch could clearly see that wasnt my signature.

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 2020-09-30 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: Nelnet, Inc.
State: MD

Complaint narrative:
I submitted a dispute letters in order to have accounts deleted because the information reported was incorrect. Instead of deleting the accounts they claim they updated information. There is no information updated or changed with the accounts I am disputing they still have incorrect information listed. I want every closed student loan account deleted from my report. The information being reported is inaccurate when I sent my dispute letters I sent proof along with the info as to why they needed to delete the loans off my report. Nothing was deleted claim to have updated the info but everything is exactly the same. It is their responsibility to report every account with accurate information and they have failed in this department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I written them a dispute letter to get verification on this matter. I believe I don't own them nothing due to the contract was fulfill on my part. They fraudulent reported this on my credit report and went out of business. And the collection company fraudulent put on my credit report wrong information and didn't respond to my letter written to them in XX/XX/2020. I written a dispute letter to XXXX and Sunrise Credit services on this dispute of incorrect and unverifiable information on my credit report. Neither company 's never respond by a written letter back to me. And I know my rights have been valeted due to section 611 on bases or incorrect and unverifiable information on this matter.

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 2020-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am trying to refinance and got rejected. 
Checking my Equifax, my score is XXXX compared to my XXXX  of XXXX. 

Calling them, making it more difficult to resolve the problem. I need to fax a copy of my social security, ID, and letter. 

Please help! 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
Midland Credit Management pulled two payments from my account, although somehow had no record of the first payment. 
On XX/XX/2020 they pulled {$30.00} On XX/XX/2020 they pulled {$34.00} When I contacted them on XX/XX/2020, they insisted they only pulled one payment for {$34.00}, and had no record of the payment on XX/XX/2020. They then asked me to send my personal bank statements as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: TX

Complaint narrative:
I am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges : Account Name : XXXX XXXX XXXX Account Number : XXXX Charge : 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 2020-09-30 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: TX

Complaint narrative:
I am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges : Account Name : XXXX XXXX XXXX Account Number : XXXX Charge : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I called chase on XX/XX/19 to close all of my credit cards and replace them since I lost my wallet while I was on vacation. I just got my new cards yesterday and I notice theres still transactions going through on my old credit cards. I couldnt have been more specific I told them to close all my cards and reissue them. Today Ive been on the phone already for 30 minutes talked to 5 representatives and they keep telling me their system has an algorithm that decides which merchants are trusted to allow transactions to go through even though my cards were closed. I ask to speak to a manager and instead I get someone named XXXX who is not a manager who once again tells me their system uses an algorithm to decide which transactions are ok or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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 — Was not notified of investigation status or results
Company: LAKEVIEW LOAN SERVICING, LLC

Complaint narrative:
After numerous conversations to call my mortgage servicer Lakeview servicing I was told I need to submit a credit dispute to remove mortgage lates on my account. When I went i to forbearance due to covid after seeing a decrease in income, I was told by the customer service rep that my mortgage would not report as late. Unfortunately Ive seen 6 mortgage lates on my credit report. On XX/XX/25 I spoke to an XXXX in credit dispute dept and he confirmed that lates should not be reporting. The mortgage lates have cause my credit score to unfortunately tank into the XXXX. Lakeview has been very slow in their response, lack timely communication, and Ive even been hung up on with no call back to resolve my complaint.

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 2020-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I was charged a {$36.00} overdraft fee when I was told I have overdraft protection. There were funds in my savings account to cover the transaction. I was told I did not have overdraft protection however I did sign up for overdraft protection. There have been other instances where I was not charged overdraft fees even when the funds were not available. The so called Manager could not explain why sometimes I am charges and sometimes I am not. In addition I was charged another {$36.00} in excessive withdrawal fees. I was told there is a limit on the number of withdrawals you can make. I never heard of or was aware of this policy. How can you charge me for basically withdrawing my own money? I basically gave the bank {$72.00} for nothing. It is hard times during COVID and I would like my {$72.00} credited back to my account.

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 2020-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Should be able to close a deposit checking account online. They read the legal disclosure orally for reopening if provisional credit for error resolutions. This can be added to the online system in writing and the reason for closing the account. Having to wait through the phone cue to get a customer service representative annoying with COVID-19 when this is a company heavily involving with technology.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was victimized by secret shopper scam. I recognize being naive in falling for this. However, the bank has discretion for funds availability on check deposits and they made the entire amount of the check immediately available. By doing this, they are not protecting the consumer from these scams, they become the enabler to the fraudsters. The bank needs to place a hold until the validity of the check is confirmed. This makes every small consumer account susceptible to this scam. 

The check was deposited on XX/XX/2020, the amount of the check was {$2800.00}. I reported it as fraud but Wells Fargo refused to make me whole.

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 2020-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: TX

Complaint narrative:
Experian states they have " certified '' that the XXXX  XXXX XXXX  Total Card is mine and that is 100 % false. Never dealt with this company .Experian is in my opinion committing fraud against me and is violating my civil rights. Never been to XXXX Missouri or had any knowledge of this account. This needs to be brought to law enforcement attention and I would like to have criminal action taken against Experian.

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 2020-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian and XXXX credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. 
XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX Inquiry from XXXX XXXX XXXX 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