vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I've been in touch with Wells Fargo to work on eliminating my PMI ( ~ $ XXXX ). I was directed by Wells Fargo ( Phone : XXXX ext XXXX ) that I could submit my documentation in request to remove my PMI on XX/XX/21. On XX/XX/21, I submitted my documentation and spoke to a Wells Fargo Loan agent ( at the number listed above ), and was directed to mail my forms, submit my check and await further direction. I am requesting to utilize the option to " Cancel PMI using new property value '' as provided by Well Fargo. 
On XX/XX/21, I called Wells Fargo back to check on my status. The agent I spoke to told me that due to delays with the US Post Office, they have not received my information. The agent also told me that I should just keep an eye out for Wells Fargo to deposit my check and await for ~2 weeks after the check is deposited before someone will reach out to me. -- this process sounds unreasonable because at that point, I would have waited a full month, and in turn paid a month of PMI, in which I should have been qualified to remove. This is an unfair business practice, as I have already submitted all required documentation, provided all of the information necessary and was even quoted a property value by Wells Fargo, to ensure that my property qualifies for the PMI removal. 
Based on the data that I have, and the responses from Wells Fargo, I feel that they are lying/cheating me and probably many other customers out of paying extra for PMI which should be removed from my mortgage. I asked the Agent how long do I need to wait, and if she could give me an estimate or commit to a reasonable timeline, and she said she could not. The response I received from the Wells Fargo agent was " we can not do anything until we deposit your check ''. -- this response tells me that I as the consumer, and incurring costs because of the shortcomings of Wells Fargo. In theory, if Wells Fargo chose not to deposit my check, I would be forced to continue paying my PMI each month until they choose to cash my check. OR, more plausible, they are forcing me to refinance my loan so I would need to pay more money, in order to remove PMI, which I am lawfully owed through this existing process. -- This has all the elements of a scam.

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 2021-11-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf and it was determined that the credit furnisher was verified. These reports are misleading and suspicious. Below are the federal law violations that these companies are committing. If this doesn't get resolved I will seek litigation and charge {$1000.00} per violation. 

However, All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/22 I left a deposit with a furniture company in XXXX I filed a dispute when I had not received the items and the merchant was asking me to pay the balance in cash. Instead of siding with me the customer, they sided with the merchant who still has not delivered the goods. So now the merchant can sell the items and make more money off them. I am stuck left to pay {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: NC

Complaint narrative:
I recently received letters from XXXX XXXX requesting Experian to removed 2 fraudulent accounts from my credit file. When i try to speak to someone at experian the line keeps looping around in circles and i cant get anyone on the phone no matter how many times i try or i call or follow phone prompt instructions. it just keeps going in circle and sometimes the line drops. 

XXXX XXXX sent me 2 letters and i attached it to this dispute to have those fraudulent accounts removed from my credit profile.

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 2021-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Sovereign Lending Group, Incorporated
State: SC

Complaint narrative:
Called sovereign mortgage company. They did a hard credit report without my XXXX. I was just asking about rates and closing costs. Talked to XXXX XXXX and XXXX XXXX. They were supposed to send a transcript of the cal 2 weeks ago. We have called back 5 times with no return call. We want the hard credit strike removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: EQUIFAX, INC.
State: DE

Complaint narrative:
This is XXXX XXXX, who is submitting this online complaint myself, and to inform you that I am not connected to any Credit Repair companies or any of its like that deals with the credit repair process. The personal information about the different addresses being linked to my profile is erroneous. Please supply any documents or papers that show that I have lived to these specific addresses mentioned. 
XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX, DE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: TX

Complaint narrative:
Tried to contact them about issues they dont care still saying pay and this isnt my bill! Fraudulent activitys also the price goes up every day with this company! Every time I call they add more to that account! Why they wont free my name? Let me go! The company has no rights to charges through fraudulent activities! The customer service keeps calling saying bad things not caring to anything I say! Very mean and not professional about there business! They just trying to XXXX who they can! Online activities thats pushed through fraudulent activities they should be sued

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
the company is santander consumer USA. the interest rate that was on the vehicle before repossession was 18 % even though i had good credit at the time. i know i had good credit because i had one late payment on my credit report at the time, in XX/XX/2019 or around that time whenever i got the vehicle. i have reported this company to the department of justice state attorney general 's office of north carolina where i reside. during the pandemic i was struggling to make payments because of the high interest rate. there was no way i was going to keep paying over XXXX dollars a month for the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
CapitalOne owes me {$250.00}. I am forced to hold for 30 minutes or more, and when I do get them on the phone, they cant help me. Their reps are not authorized to reverse an incorrcectly applied charge to my account. They incorrectly applied fees and interest to my account. I've submitted numerous complaints, online and by fax, and the responses are computer generated and do not pertain to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
This is XXXX XXXX, who is submitting this online complaint myself, and to inform you that I am not connected to any Credit Repair companies or any of its like that deals with credit repair process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by the 3 Credit Bureaus. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, the 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : CAPITAL ONE Date of inquiry XX/XX/XXXX CAPITAL ONE Date of inquiry XX/XX/XXXX CAPITAL ONE Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16 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: AmeriCollect
State: MI

Complaint narrative:
I have filed many disputes over the course of two years with Americollect, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX on multiple accounts ALL of which should not even be reported due to XXXX rights/laws. I have concluded in research that, In connection with its collection activities, Americollect, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, furnishes credit reporting information to consumer reporting agencies ( CRA 's ) about the consumers and debts that are the subject of its business. Americollect, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, violated the Fair Credit Reporting Act ( FCRA ) and its implementing rule, Regulation V, by furnishing information to CRAs that it knew or had reasonable cause to believe was inaccurate ; failing to report to CRAs an appropriate date of first delinquency on certain accounts ; failing to conduct reasonable investigations of disputes made by consumers both to Americollect, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX and to CRAs about furnishined information or failing to conduct investigations of disputes made to Americollect, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX in a timely manner ; failing to send required notices to consumers about the results of such investigations ; and failing to establish, implement, and update its policies and procedures regarding its furnishing of consumer information to XXXX. Based on these violations of the FCRA and Regulation V, Americollect, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX violated the Consumer Financial Protection Act and XXXX rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
This is XXXX XXXX, who is submitting this online complaint myself, and to inform you that I am not connected to any Credit Repair companies or any of its like that deals with the credit repair process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by the 3 Credit Bureaus. Despite sending them the last letter for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, the 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
THE COMPANY, ENHANCED RECOVERY COMPANY LLC PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of consumer Financial Protection. XXXX, XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial protection Bureau. On XX/XX/XXXX XXXX congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " whereas '' the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ). The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I did not consent to, authorize nor benefit from the following account : Navy Federal Credit Union. Navy Federal Credit Union removed the original fraudulent account number XXXX on XX/XX/XXXX from my credit reports. This Navy Federal Account has been closed for two years, XX/XX/XXXX. Then, Navy Federal Credit Union created a new fraudulent account number XXXX without my knowledge, nor consent, nor authorization with the same fraudulent information in the original fraudulent account and number that has been closed for two years. 

As a result, XXXX XXXX and XXXX falsified documents stating the investigation results show the account has been deleted and removed. When in fact, the account was never removed, XXXX allowed Navy Federal to change the account number and retain the same false information to the original fraudulent account. Navy Federal changed the account number and XXXX allowed this fraudulent change to take place after XXXX stated the account was removed. The account was never removed, only updated with a fraudulent account number. Navy Federal never notified me nor asked my consent/request me to change the account number. This account has been closed for over two-years. 

Navy Federal and XXXX are now in violation of 15 USC 1692 e ( 8 ), 15 USC 1692 e ( 10 ) and 18 USC 1028A.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
This company is using my information without my consent and still can not provide proof that I allowed permission for information to be used with my credit report.According to 1022.42 Reasonable policies and procedures concerning the accuracy and integrity of furnished information. it states Each furnisher must review its policies and procedures required by this section periodically and update them as necessary to ensure their continued effectiveness. And as shown no updated credit report has been placed. 

All inquiries listed consist of duplicates with different dates which by law can not be placed on your profile According to 15 U.S. Code 1681a - Definitions ; rules of construction - any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title there for this is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
We bought our current home and originated our mortgage on XX/XX/XXXX of XXXX. The mortgage was set up with no escrow account and the annual fee for our Homeowner 's Insurance was paid through the close of the home. The loan was funded by XXXX XXXX XXXX, sold to XXXX XXXX and servicing was assigned to XXXXXXXX XXXX 

In XXXX of XXXX I received notice from Shellpoint Mortgage that they are adding a {$410.00} monthly escrow payment to our account. When I reached out to Shellpoint to find out why I was informed they had received the annual renewal for our Homeowners Insurance and had paid it. Although the renewal was not due until XXXX. When I mentioned we do not have an escrow account on our mortgage, I was instructed to send in an escrow payment to cover the renewal and they will request removal of the monthly escrow payment. 

After making the payment to cover the insurance renewal I received notice that they can not remove the escrow payment because we have not had our loan for a year. I again called in and explained the circumstance and again I received a letter stating we had not made enough payments for them to remove our escrow account. 

On XX/XX/XXXX I called in and spoke with a Supervisor named XXXX at extension XXXX. She looked through the notes and realized we never had an escrow account on our mortgage and that they were collecting {$410.00} a moth for no reason. She assured me she would take care of the issue the escrow payment would be removed and the balance refunded within a week. However nothing changed. 

I called back on XX/XX/XXXX and spoke with another Supervisor name XXXX at extension XXXX. She saw the previous notes and asked me if I had a copy of my mortgage note which I did not. As the mortgage servicer you would expect they should have a copy. I explained to her the previous Supervisor was able to see we never had an escrow account and at that point we are paying an additional {$400.00} a month for no reason. She again said she would clear up the issue, and again nothing happened. 

I have called several times since and left messages for both XXXX and XXXX but have not received a response.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation