vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
This complaint concerns a checking account # XXXX at Capital One. The account is owned by XXXX XXXX XXXX. This entity is the XXXX XXXX XXXX organization and I am the XXXX XXXX XXXX the organization. Typical deposits are a portion of election qualification distributed by the XXXX  XXXX XXXX XXXX. 

On XX/XX/2021 the treasurer, XXXX XXXX XXXX  unexpectedly passed away. XXXX XXXX was the elected treasurer of the organization. 

Capital One has refused the organization access to the account without a death certificate. The organization is not an appropriate entity to get a death certificate nor is the asset part of XXXX XXXX estate. The new treasurer ( XXXX XXXX XXXX XXXX  ) went to the Capital One location in XXXX XXXX and was denied even information regarding additional information regarding the identity of approved signers on the account. Capital One has provided no path forward to gain access to the account. 

I submitted a complaint to Capital One and was assigned this to reference - XXXX. I request the assistance of the CFPB so that we can gain access to an asset held XXXX by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: FL

Complaint narrative:
XX/XX/XXXX I called Upgrade regarding incorrect information being placed on my credit report. XX/XX/XXXX, Upgrade reported that I was late/missed 4 payments. Everyone I spoke to at Upgrade agreed my account payment history did not reflect 4 late/missed. On XX/XX/XXXX XXXX ( supervisor ) advised he would submit the correction to the credit reporting agencies. XXXX also agreed to send something reflecting the correction that is being requested. I called later that same day to confirm Upgrade was taking action to correct the mistake. My mortgage broker advised a letter stating that would improve my mortgage rates, as the 4 late/missed payments reports affected my credit score. After receiving a balance letter from one of my other creditors, I called Upgrade for the status of my request with them. I have never been treated so poorly by a company I am paying to do business with. on XX/XX/XXXX I was advised by an Upgrade employee that although they maintain my payment records and they report Upgrade sends my account data to the credit agencies, there is nothing they can do. I must wait up to 60 days for the information to be updated. I was refused a manager/supervisor and hung up on. Upgrade declined to send a payment letter. Upgrade told me that this info could be found online or in the app. The app does not reflect the 4 late/missed payments. Everyone I spoke to agrees, so why do I have to wait 60 days? I have to put my home purchase plans on hold for a mistake, not one made by me, one caused by Upgrade. I still feel like I am being punished for pointing out the previous system error on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-21 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent A credit report dispute form to your company due to fraudulent inquiry 's reporting on my credit report. I have sent this via Certified mail to you as well as attached it here to view. I am requesting ALL be removed as i have reached out to the credit reporting companies and your credit reporting bureau with no resolution. This is my last attempt before having to contact an attorney to resolve this issue.

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 2023-02-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: OH

Complaint narrative:
Charge Dispute # XXXX was approved by Discover and Charge Dispute # XXXX was denied by Discover when it was the same issue but a different amount. All documentation was provided in both disputes. Discover does not provide an option on their dispute process to identify a merchandise/service received that was overcharged by the merchant. The documentation provided in the disputes are " contracts '' between the merchant and one of it's nationwide prescription plans. If not resolved by this complaint, a subsequent complaint will be filed with the OH Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
My truck was taken from Wells Fargo Bank in XXXX of 2021. I had overpayed {$4000.00} but with XXXX  related problems i was unable to catch up with payments and that lead to me not looking foward into this problem and so my truck was repossed and I was still left to pay the money and filed XXXX  my dad was also on my loan

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 2023-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX was in a vehicle accident and I had been waiting for the police report to go through online because I work out of state as a XXXX XXXX. I notified the XXXX dealership as I was told to do to find out about my GAP. On XX/XX/XXXX I had gone in to XXXX dealership in XXXX, Tx. and she gave me the information and the name of the XXXX company. I had been in touch with my bank XXXX immediately waiting for the settlement to go through on XX/XX/XXXX. On XX/XX/XXXX the information was sent to XXXX XXXX to a person named XXXX. I then got in touch with XXXX XXXX. On XX/XX/XXXX I sent everything to XXXX because she told me she would help me and submit the paperwork to XXXX which never happened. I again have to do everything by phone and email due to working out of town. I obtained my police report on XX/XX/XXXX and has sent that to XXXX. Then forward that to XXXX XXXX. On XX/XX/XXXX I had been on the phone with XXXX in tears because Truist bank would not supply the information needed for my GAP to pay off the vehicle. XXXX contacted Truist bank as well on my behalf with no information obtained. I have documentation of all the times Truist has been notified with a failure to respond to my requests. I have documentation of my insurance company XXXX making attempts, I also have documentation of XXXX XXXX attempting to notify XXXX of their representatives at Truist bank. I spoke with a female each time I had called and she was rude and after multiple attempts she said she would mail me some information. I never received any information at all. This caused my XXXX not to be paid and now I owe the rest on my vehicle that was totaled. I have good credit and do not want them messing with my credit due to their failure to respond causing my gap not to be paid. I owe a little over {$7000.00} and I am not paying for XXXX vehicles when gap should have paid off my totaled vehicle. I am at a loss and have tried to find a lawyer but none are responding to my inquiries.

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 2023-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
In XX/XX/XXXX, I was affected by the COVID-19 pandemic which resulted in loss of employment. I contacted my mortgage provider who allowed me to make partial payments. On or around XX/XX/XXXX, my client portal to make partial payments was disabled. 

On or around XX/XX/XXXX, I contacted Select Portfolio Servicing, LLC to ask about the client payment portal being disabled. I was advised that I could no longer make partial payments and only FULL PAYMENTS would be accepted from that date going forward. 

Select Portfolio Servicing, LLC placed me on a Forbearance. During the forbearance process, I made contact with the approved government organizations that were listed on Select Portfolio Servicing, LLC website for mortgage assistance. In XX/XX/XXXX, I applied for assistance with the Maryland Homeowners Assistance Fund. 

On or around XX/XX/XXXX, I was told verbally by a Maryland Homeowners Assistance Fund that I approved for a {$20000.00} Maryland Homeowners Assistant Fund Grant, which would be applied to my delinquent mortgage balance. Any outstanding delinquent amounts over {$20000.00} will be applied to the back end of my mortgage. However, XXXX XXXX Program was waiting for confirmation from Select Portfolio Servicing, LLC so XXXX XXXXXXXX could take this to underwrite. 

On or around XX/XX/XXXX, I received a phone call from Select Portfolio Servings to state that they have denied the Approved Government, Maryland Grant. 

Select Portfolio Servicing is only interested in having me take advantage of their IN-HOUSE financial solutions. 

On XX/XX/XXXX- Select Portfolio Servicing, LLC initiated foreclosure on my property, however, they allowed me to be placed on a 3-month forbearance beginning XX/XX/XXXX, XXXX. In XX/XX/XXXX, I was advised by Select Portfolio Servicing I was advised that I my mortgage loan was going to be placed in foreclosure status in XX/XX/XXXX ; however, once again, Select Portfolio Servicing placed me in another 3-month forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
A card was applied for on XX/XX/XXXX of XXXX, using a mix of my stolen information by an unauthorized individual. I have been trying to dispute this since it was brought to my knowledge in XXXX when I was trying to get pre approval for a mortgage loan. I was surprised when my lender asked me about delinquent account. I have been trying to dispute this account from capital one ending in XXXX attached to an address that I have never lived at nor received mail at. It has only been reporting to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: SUNRISE CREDIT SERVICES, INC
State: MD

Complaint narrative:
SUNRISECREDIT is reporting a fraudulent account on my credit report. I didnt open this account nor did I authorize anyone to do so on my behalf. Please note the uploaded FTC report and my driver license and remove this accocnt from my credit.

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 2023-02-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I did a loan modification an it was approved. Then after I made my first payment I was told that it was not approved and I would have to restart the process. 

This is the second time Wells Fargo has done this to me. The bank improperly denied me a mortgage loan modification, which could have cost me my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I received a called on today XX/XX/2023 from XXXX Medical Revenue Service. I am not sure why they are harassing I dont have any outstanding medical bills. I have health insurance that covers all my bills and I pay my copay when I visits doctors. It should be illegal for someone to call and harass you about a medical debt you no idea about. And then these XXXX have nasty attitudes. Needless to say I have a personal attorney that I will be using to sue these XXXX  for harassing me while working. I dont over look any kind of medical bills because I work in that same industry. I verify my benefits prior to going in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX Account XXXX : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
PRE ARBITRATION NOTICE I XXXX XXXX, A federally protected consumer here by put Your company on a final notice of violation of FCRA for failing the requirement of the law by furnishing inaccurate information on my credit report. This account was due to identity theft and i did not commit any fraud, you have failed to remove this account after receiving several notices via mail and telephone communication. 
You have also fialed the requirement of the law by providing Your company is in violation of 1. 15 U.S. Code 1681ba ( 2 ) - Permissible purposes of consumer reports 2 ) In accordance with the written instructions of the consumer to whom it relates.

2. Consumer Report and Information Sharing Section 603 ( d ) ; 15 U.S.C. 1681a ( d ) consumer report does not include : 1. A report containing information solely as to transactions or experiences between the consumer and the person making the report. 

XXXX. The Privacy of Consumer Financial Information regulations that implement the Gramm-Leach-Bliley Act ( GLBA ) may restrict this type of information sharing because it meets the definition of nonpublic personal information under the Privacy regulations. Therefore, sharing it with nonaffiliated third parties may be subject to an opt-out notice under the privacy regulations. In turn, the FCRA may also restrict activities that the GLBA permits. For example, the GLBA permits a financial institution to share a list of its customers and 4. Communication of such transaction or experience information among persons, including financial institutions related by common ownership or affiliated by corporate control.

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

FInd Attached the letter from XXXX XXXX XXXX who you claimed furnished the information of fraud on my credit report. and identity theft report of the 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 2023-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
In the XXXX  of 2022, I signed up for biweekly payments on my home mortgage with Mr. Cooper. The new payment would resemble 1/2 of the monthly principal, interest, and escrow due every two weeks instead of the previous monthly payment. A reasonable person would have assumed that biweekly payments would help them reduce their interest expense in two ways. First, payments made biweekly would reduce the balance of the mortgage earlier than a traditional monthly payment and thus, save the consumer substantial interest expense over the life of the loan. I believe this to be the most important benefit of biweekly payments, and would be the main reason anyone would sign up for this type of payment structure. The secondary benefit would be that there would be 26 biweekly payments made in a year vs. 12 monthly payments on a traditional monthly pay structure. This essentially equates to Mr. Cooper facilitating an extra month of principal payment by the consumer per year. Mr. Cooper constructed their biweekly payment program to completely eliminate the reasonably expected benefit of the first pro of biweekly payments I mentioned above. Mr. Cooper is holding the consumers first biweekly payment made in a month in limbo until the second biweekly payment for the month is made 14 days later. Mr. Cooper then finally applies the combination of the two payments to the loan, entirely negating the benefit of making the first biweekly payment early. For example, on XX/XX/2022 I paid {$900.00} to Mr. Cooper for my first of XXXX 's biweekly payments. This transaction was listed as " unapplied funds '' in my account history on Mr. Coopers website with no reduction in principal balance, application of interest, or deposit into escrow on that date. It isn't until my second biweekly payment in XXXX is made on XX/XX/2022 that Mr. Cooper applies any of my payments to either principal, interest, or escrow on my loan. I believe materially diminishes benefits of biweekly payments and it is reasonable for a consumer to presume that Mr. Cooper would apply payments as they are received instead of holding the funds until the second payment is made 14 days later. Mr. Coopers advertisement and application of this feature is misleading and unfair to a rational consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent A credit report dispute form to your company due to fraudulent inquiry 's reporting on my credit report. I have sent this via Certified mail to you as well as attached it here to view. I am requesting ALL be removed as i have reached out to the credit reporting companies and your credit reporting bureau with no resolution. This is my last attempt before having to contact an attorney to resolve this issue.

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 2023-02-21 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent A credit report dispute form to your company due to fraudulent inquiry 's reporting on my credit report. I have sent this via Certified mail to you as well as attached it here to view. I am requesting ALL be removed as i have reached out to the credit reporting companies and your credit reporting bureau with no resolution. This is my last attempt before having to contact an attorney to resolve this issue.

Company response to consumer: Closed with explanation