vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
on XX/XX/XXXX we closed and sold a home on XXXX XXXX XXXX, of which we had a mortgage with NEW REZ LLC a shellpoint servicing company. after close on XX/XX/XXXX i was sent a notice from XXXX ( my homeowners insurance company on that property ) that they were issuing a refund in the amount of XXXX to refund the unused pprtion of the homeonwers insurance. the letter from XXXX stated that " refunds are issued to your mortgage company, for questions please contact your mortgage company NewRez LLC XXXX XXXX XXXX XXXX MI XXXX ''. I contacted New Rez by phone roughly 3 times a week starting XX/XX/XXXX, and was continually told they didn't know anything about it and to just wait. on XX/XX/XXXX, and XX/XX/XXXX i again called New RXXXX and got the same answer that they dont know anything about it. on XX/XX/XXXX i contacted XXXX, who informed me that the check they sent to New Rez was cashed and deposited by New Rez on XX/XX/XXXX, meaning New Rez now had those funds. I spent 4 hours speaking to New Rez on the afternoon of the XX/XX/XXXX and was still told they did not have any information, and would look into it. on XX/XX/XXXX i was emailed by new rez saying that they still had no idea and that they needed proof of payment ( on the XX/XX/XXXX i gave them the check number and the letter i had gotten from XXXX that XXXX had sent ). i am now being told they need more " proof of payment '' which is absurd since someone at New Rez has successfully cashed that check from XXXX, which in turn is money owed to me. it is unbelievable that a company with around 3000 employees seem to have cashed a check of money belonging to me and now no one can find it or even admit they have those funds in their account, much less when those funds will be sent to me. at the end of the day this institution owes me money and is being completely uncooperative in trying to even assist me in figuring out where those funds are, much less getting them to me. had i owed this bank money, my phone would be called 5 times a day threatening me with fees and credit dings.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
I set up a money transfer with Western Union through my bank ( XXXX XXXX ) and when I went to pick up the transfer the store clerk said he had a strange thing happened, half way through the transaction the process ended. and he did not give me the transfer and I did not sign anything but it shows everywhere the money was picked up. I called Western Union customer service and they gave me a number for the clerk to call which did not work. The W/U MTCN number is XXXX. I gave my bank a message to stop payment but they did not do it. I am out {$760.00} Western Union was no help, the store was no help and my bank was no help. Thank You : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: OK

Complaint narrative:
I submitted a previous complaint COMPLAINT ID XXXX They did not fix the root issue 1. They can not verify me 2. They can not or will not provide a credit score 3. They charged me {$19.00} fee multiple times 4. They sent a paper copy of my report with no score ... 
5. Their operators send me to a survey recording that hangs up - forcing me to recall. 

They did not answer the questions and issues I have ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Lending Club Corp
State: TN

Complaint narrative:
Loan paid off however still show as derogatory on credit report since paid in XX/XX/19.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: CITIBANK, N.A.
State: IL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX, CBNA add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XXXX XXXX, XXXX and XX/XX/XXXX XX/XX/XXXX add a hard inquiry on my credit report per XX/XX/XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-01-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I would like to file a formal complaint against XXXX, Equifax and XXXX  for FAILURE TO INVESTIGATE OR REINVESTIGATE multiple inaccuracies on my credit file. 

These credit bureaus are in violation of FCRA because they 1. Willfully and recklessly reporting false information after being notified of the error and failing to investigate or correct the error. 

2. Failure to respond to a dispute within 30 days 3. Failing to provide the method of verification. Including the real name, address, and phone number of the furnisher within 15 days of your request.

4. Failing to notate that an item on your credit report is under dispute after a creditor or debt collector has reported the dispute.

5. Failure to provide all relevant info ( sign contracts, etc ) In XXXX I contacted several collection agency 's including XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, and XXXX XXXX requesting to validate the alleged debt. These collection agency 's never responded to my request. 

In XX/XX/XXXX I contacted XXXX, Equifax, and XXXX  requesting an investigation in which the results returned as verified and met FCRA standards. How is this possible if the collection agencies never responded to my dispute request? They also never even notified the collection agencies that I was disputing the debt. 

In XX/XX/XXXX I sent a follow up request asking that the accounts be verified, which grants them 15 days and they never responded in the allowed time frame as well. They continued to report the accounts were verified. 

In XX/XX/XXXX I sent a third request again asking to have these inaccurate accounts, removed and updated. My request has once again been ignored. 

THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER. 

XXXX, EQUIFAX AND XXXX HAVE ALL FAILED TO CONDUCT PROPER INVESTIGATIONS AND DELETE THESE INACCURATE ACCOUNTS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
Venmo won't give me my money back. I need a refund for these items On the XX/XX/21 {$3.00} {$5.00} {$29.00} {$2.00} {$34.00} {$4.00} XX/XX/21 {$8.00} {$2.00} {$55.00} {$2.00} {$12.00} {$80.00} XX/XX/21 {$78.00} XX/XX/21 {$78.00} XX/XX/21 {$90.00} XX/XX/21 {$100.00} XX/XX/21 {$200.00} XX/XX/21 {$100.00} XX/XX/21 {$9.00} XX/XX/21 {$73.00} {$54.00} XXXX XXXX account XX/XX/21 {$100.00} XX/XX/21 {$83.00} I want the all the refund sent to me in a check sent to my address.been asking for it they been putting it off. I want the refund I am asking for asap

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-27 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: OH

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-27 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: CHECK INTO CASH INC.
State: IL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX, XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XXXX XXXX, XXXX and XX/XX/XXXX CHECK INTO CASH add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
Apparently in XXXX a debt collection company by the name of Peroutka, Miller, Klima & Peters purchased a credit card account in default that supposedly opened under my name. In XXXX I received and summons from court stating that I have broken the agreement and I was being sued for the amount of {$7600.00}. I contacted this company explaining I had no knowledge about this account or knowledge about any agreement on paying this debt off. I explained that on the summons there were several addresses on there that were not mine and had never lived at those places. The company then got very rude and started falsely accusing me of lying about the entire situation and that is was in fact me that made the payment arrangements. I told this company that that I had to be a victim of identity theft and I wanted to take actions against it. The customer service rep then told me the last known payment and address that was given and I immediately recognized the address as belonging to my ex wife 's and her boyfriend 's and I told the company service rep. Nothing was done afterwards until after a year went by and once again I got a letter from the company stating I was to pay the account off. I called once again explaining I was a victim of identity theft from my ex wife who knew my social security number and that I was not going to pay on a account that wasn't mine. They customer service rep then explained that they were sending me a packet for identity theft claim and I was to sign it and mail it back. About two weeks later on XX/XX/XXXX I received a letter from court stating that the pursuit of wage garnishments was dismissed. I thought finally this is all done until yesterday XX/XX/XXXX when once again the debt collection agency sends me a letter stating that I was offered 60 % off the debt on the account that i thought was done and closed. I contacted the company asking why I'm receiving this letter and they rudely explained that they never received my packet for identity theft. I told the rep why it took 3 years to finally send a letter and not receiving the packet and no answer! So once again I'm having to stress about getting this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
MY XXXX  XXXX XXXX XXXX ACCOUNT XXXX XXXX  WAS PAID IN FULL TO {$0000.00} TO XXXX DOLLARS BY DUE DATE XX/XX/2021 AND CLOSING DATE XX/XX/2021. THERE IS A BALANCE OF {$4200.00} SHOWING. IT NEED TO BE REPORTED CORRECTED.

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 2021-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I had received Members Special Offer from XXXX XXXX XXXX XXXX ( which I am a Member ) to APPLY for XXXX XXXX XXXX XXXX MasterCard and qualify for up to XXXX Points ( Equals FREE ROUND-TRIP TRAVEL XXXX ) among other benefits before XX/XX/2021. 

For about 5 exhausting days ( since XX/XX/2021 ) of NUMEROUS calls, I was DIRECTED to Bank of America, to APPLY for the Offer. For 5 days, Bank of America, persisted in DENYING my Application stating such offer does not exist, or, no longer Valid As luck would have it, on XX/XX/2021 I called Bank of America, AGAIN, ( as I was instructed by XXXX XXXX XXXX and was directed to one of their Credit Cards Processing Specialists, who sounded competent and very knowledgeable. After I provided her with my XXXX XXXX XXXX XXXX Membership No : the Bank of America Credit Specialist SURPRISINGLY found my VALID OFFER and went into processing my APPLICATION.. 
AFTER about 30 minutes of Questions, Answers and Verifications, Bank of America XXXX XXXX XXXX XXXX declared Congratulations, you have been approved for {$50000.00} I thanked her and hanged up. 

Astonishingly and ODDLY enough, the next day XX/XX/2021 I Found an Email from Bank of America stating Were sorry-we cant approve your request for XXXX XXXX  Mastercard Card. Reference Number XXXX As such, Bank of America, BETRAYED their promise and by doing so, caused me the LOSS of a FREE Round-Trip ticket ( Washington-XXXX-Washington ) and the LOSS of other benefits extended by XXXX XXXX XXXX XXXX. 

Thus, I seek your assistance and help in resolving this contradictory and conflicting matter with Bank of America.

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 2021-01-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
My home equity line of credit was transferred from XXXX XXXX XXXX XXXX  on XXXX XXXX, XXXX to Select Portfolio Servicing. My first statement from Select Portfolio was dated XX/XX/XXXX how ever I did not receive the statement until Mid. XXXX XXXX. 
The payment requested is {$450.00} higher than my payments have been for the last nine years. I have made six calls to select servicing regarding this issue with no avail. Today I was informed they are " working on the issue ''. 

I am in the mortgage business myself. I am fully aware of the guidelines regarding loan transfers and servicing. XXXX XXXX will be the 60th which means they will be able to report me as delinquent. I value my credit an do not want their error to tarnish it! 
I am at a loss and hope you can help. 
thank you

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: Flatonia Investments, LLC
State: VT

Complaint narrative:
Lost job XX/XX/XXXX, behind on mortgage, mortgage refused to work it out. Hired lawyer, he worked with bank lawyer. XX/XX/XXXX I signed the property back to the bank. XX/XX/XXXX judge signed off on it. Told I owed Nothing per the agreement. To date mortgage company reporting to credit bureaus. Credit further damaged from inaccurate reporting. I no longer own the property. Now the town is trying to collect monies the mortgage company failed to pay. They also failed to change the land records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2021, an electronic payment in the amount {$1000.00} was made from my Capital One Business Checking Account in the amount of {$1000.00} to my Spark Capital One Business Credit Card, which was received and noted. On XX/XX/2021, Capital One Bank decided to appartently mail a check in the amount of {$1000.00} to the Spark Credit Card again. There wasn't enought funds in the account to cover, which in turn I was charged a {$35.00} bank fee. A few hour later I had direct deposits of {$600.00}, {$240.00}, {$100.00} and {$80.00}, which Capital One took immediately to cover the funds that weren't there when they put the payment through for the second time. I have contacted the credit card company for the past three days and have been advised that they never received any second payment of {$1000.00}, which the attached statement shows. I have called Capital One Bank for the past three days and received three different answers. I spoke to XXXX today at Capital One Bank who advised me that he has no idea where my money went and can't explain what happened. Not a good enough answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-27 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: NY

Complaint narrative:
I've been attempting to dispute fraudulent accounts with the bureaus since XX/XX/XXXX when they were first brought to my attention. I mailed out the first letters, which USPS tracking showed was delivered on XX/XX/XXXX, requesting the fraud accounts be investigated and removed if found to be fraud. I received no response so 35 days later, I sent another letter which was delivered on XX/XX/XXXX. Another 35 days and I still received no updates and the items were still showing on my report. This was troubling. So I sent additional letters, giving the bureaus time due to COVID. The letters were delivered on XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. To date, I have received no updates, the accounts are still showing on my report and my lawyers are getting antsy to get this case. This is my last option for the bureaus to remove the false accounts before I take up my lawyers option and sue.

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 2021-01-27 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: NY

Complaint narrative:
I've been attempting to dispute fraudulent accounts with the bureaus since XX/XX/XXXX when they were first brought to my attention. I mailed out the first letters, which USPS tracking showed was delivered on XX/XX/XXXX, requesting the fraud accounts be investigated and removed if found to be fraud. I received no response so 35 days later, I sent another letter which was delivered on XX/XX/XXXX. Another 35 days and I still received no updates and the items were still showing on my report. This was troubling. So I sent additional letters, giving the bureaus time due to COVID. The letters were delivered on XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. To date, I have received no updates, the accounts are still showing on my report and my lawyers are getting antsy to get this case. This is my last option for the bureaus to remove the false accounts before I take up my lawyers option and sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: NY

Complaint narrative:
My initial car loan was with XXXX XXXX. 

I had automatic deductions from my bank account to pay every month so that I wasn't late. 

I got calls from XXXX XXXX stating that I should be paying them. I was suspicious because I am a victim of fraud that took place earlier in the year 2020. I asked them to provide proof that they in fact took over the assets of XXXX XXXX. They said that they didn't have to and if I didn't pay them they would come and pick up my car for nonpayment. 

I would like proof that I should be doing business with Westlake Portfolio Management before I make a single payment. 

I know of cases where someone started paying a new 'mortgage company ' for 10+ years only to find out they were a fraud. And instead of having a home that was paid off they are now in foreclosure. 

There are a lot of scams and any company that is legitimate should happily furnish proof. Because that's how proper business is done. 

I never received any email from XXXX XXXX saying that I should now be sending my payments to Westlake Portfolio Management. I have attached screenshots of my last payment deduction and last correspondence from XXXX XXXX. There is no indication that Westlake Portfolio Management now holds 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