vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
On XX/XX/XXXX, I applied for a job with Glasser & Glasser P.L.C- I submitted a credit check for employment purposes only. I was offered a job with the company making {$14.00} hr. On XX/XX/XXXX, I sent the background form for Glasser & Glasser P.L.C to only use for employment. After running the background, on XX/XX/XXXX, I was sent a collection notice from Glasser & Glasser P.L.C as a collection notice for XXXX XXXX XXXX, ( that I had at a different address ) sent to the address I applied for the job at Glasser & Glasser P.L.C with. On XX/XX/XXXX, I sent a certified letter to cease all communications in regards to the above style case. Returned green card was returned as proof of their receiving it. Thirty days later, XXXX XXXX XXXX, from Glasser and Glasser P.L.C mails me, at the address provided for employment, not the alleged debt address, a letter and copies of statements from Capital One, violating the Fair Debt Collection Act 804 subsection C in regards- ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 
On XX/XX/XXXX, I received ( again to the address given for employment purposes ) A Warrant in Debt, filed by Glasser & Glasser P.L.C in General District Court of XXXX XXXX, Virginia. Hearing set for XX/XX/XXXX at XXXX. 
Attempted to settle any alleged debt with the original creditor is referred to the third party collections of Glasser & Glasser P.L.C who illegally obtained this alleged debt in the purpose of offering me a job with them. No other notice was sent to me prior to filing my background report for the purpose of employment. To me this is a ponzi scheme, as the offer for employment was rescinded by Glasser & Glasser P.L.C. I feel this is a illegal way to obtain a alleged debt, by falsely offer employment then take it away when they obtain a debt on your credit report. And violating the Fair Debt Collection Act in so many ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Meridian Financial Services, Inc.
State: AL

Complaint narrative:
My deceased father owned a time-share in Florida ( XXXX XXXX XXXX XXXX ). Somehow upon his death, the XXXX XXXX XXXX  @ XXXX XXXX Country Club/ ( XXXX ) have began billing me for some type of costs or other fees related. I am not at all involved, nor was I ever, in any type contractual agreement with the company. I have never visited the property nor stayed there, ever. I have applied for a mortgage recently. I only have 3 negative reporting items on my credit - All 3 are from this company who refuses to talk to me after hours and hours of trying to reach them. I always get shuffled around before I am hung up on. It's costing me ( eternal ) $ $ in my rate-lock and time off my job trying to earnestly resolve. Although after months I still have been unsuccessful in speaking to anyone that seems to care. Now the bogus debt is being reported by Meridian Financial, a collection agency who now seems to holding a bogus debt and is reporting 3 separate items - 2 quite large, for something I am totally un-obligated for.

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 2021-02-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! Equifax, XXXX and XXXX need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information. I have included my previous disputes since they have been sent 3 times with no responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: OR

Complaint narrative:
I purchased a new XXXXXX/XX/XXXXXXXX XXXX at XXXX XXXX XXXX Oregon location with my spouse in the month of XXXX, XXXX. At as the time of purchased we legally signed a contract that stated customer Acknowledgement letter XXXX No Payment for up to 5 months .This is interpreted to Hyundai finance deferring my payment for 3 months, No Payment for 3 months, and Hyundais finance going to credit and pay car finance account up to {$1.00}, XXXX. The {$1000.00} would cover the car payment for the duration of XXXX subsequent months. The contract is for 72 months at the rate of {$480.00}. So technically, we not suppose to make any car payment until the month of XXXX. 

As at today, XX/XX/XXXX my account is still showing outstanding payment, which prove that Hyundai finance are not holding to their part agreement and signed contract. The payment due date is XX/XX/XXXX. I have contacted hyundai finance and XXXX XXXX dealership several times, while they keep pushing me around with different excuses at every single time. 

I would appreciate if this is throughly investigated and adequately ask Hyundai finance to hold to the end of their proposed deal. This have caused emotional trauma for me and my spouse.

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 2021-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX I sent this letter to the Feds : Hello : I need your help with my very small business banking. On XX/XX/20 I paid a {$30.00} fee to Chase Bank to keep any more payments going to the credit card ending in XXXX which belonged to a former employee. The employee did not have authorized access to the account. Only I do. I closed the account and opened a new Chase acct after the breach. 

On XX/XX/20 the former employee accessed the account online and removed {$5000.00}. It was not authorized by me and I reported it to Chase. I have not yet been reimbursed. Twice Chase has said they would pay it in 5 days. One of the excuses was that they tried to reimburse it to the closed acct. That was over two weeks ago. 
My Chase branch is XXXX XXXX XXXX, XXXX, NJ. 

Can you help me? 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX 3 days later Chase restored the funds. On XX/XX/XXXX they once again removed the funds. No explanation. It means i can't make payroll. Please help me! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX 180 days has passed i still cant get my funds please restore my account so that i can withdraw my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Throughout the years I have made payments with all my credit cards and they have always first paid the highest interest rate balance first and then if any money was left from the payment, the bank would pay it toward the rest. I did a balance transfer payment to my Wells Fargo signature credit card on XX/XX/XXXX for an amount of {$7500.00}. I had made other payments that month one for the minimum and another just to round up my balance, {$250.00} and {$150.00}. The additional {$7500.00} was supposed to pay off my purchasing balance ( whatever I had bought that month ) and a portion of a promotional rate ( with a balance of {$6300.00} ) which was expiring that month ( expiring XX/XX/XXXX ) into regular rate. I had just obtained another promotional rate from Wells Fargo which was 0 % until XX/XX/XXXX in the amount of {$5000.00}. What Wells Fargo did was, they took the {$7500.00} and divided it into 3 and paid it toward 1 ) {$1500.00} toward Purchasing balance 2 ) {$3300.00} into the promotional rate balance that was expiring XX/XX/XXXX leaving me {$2900.00} of {$6300.00}. 3 ) {$2700.00} of the {$7500.00} was applied toward the promotional balance of {$5000.00} at 0 % that will expire on XX/XX/XXXX leaving a {$2300.00} balance. I called Wells Fargos Credit card customer service line and they said it shouldnt have been applied that way and they will try to fix it. They said that they will make an exception and send the money back to my savings instead of sending it back to the Credit card which I did the balance transfer from so that I can remake the payments so they would apply the balance to the lower interest rate. This never happened and I called back. They told me their colleagues gave me the wrong information, they cant do that, actually they cant do anything. They told me to file a complaint with them, so, I did and the investigator sent me an email and said they did the right thing and they cant change it. I am so frustrated because none of my credit cards including Wells Fargo have ever done this to me. I always pay down or off high interest credit cards and this is the first time they divided it and applied one third of the payment towards a 0 % rate. I am brining this to your attention because I dont think this is in the best interest of any consumer to experience what happened to me. I would like to know if there would be anything your agency could do to raise awareness and make this right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
I closed a cash-out refinance with ( Rocket Mortgage by ) Quicken Loans on XX/XX/21. I signed the " 3 day right to rescind '' disclosure at closing, and I chose to invoke it on XX/XX/21. 

on XX/XX/21 I emailed my closing agent stating I wished to invoke my right to rescind, which they acknowledged, and I mailed a physical copy of the same letter, via certified mail on XX/XX/21. 

on XX/XX/21 the transaction executed, despite my rescission on the deal. I received the closing funds via wire transfer and my mortgage was paid off and my new mortgage opened with Quicken Loans with a balance of {$500000.00} It has now been 40 days since I invoked my right to rescind and I still do not have my mortgage back. have been in contact with a " resolution advocate '' at Quicken, but have not received any guidance on when the transaction will be unwound. They have repeatedly requested that I initiate a reversal of the wire transfer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Hello Seems like some one else ( a female person ) has or is using my SSN

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 2021-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I applied for, and was approved for, a mortgage. We went all the way through the loan process, issued the 72-hour CD, assigned a Title Company and Closing counsel who set up the closing date/location. Closing counsel also insisted that I wire all of the closing funds to her the day before the closing, which I did. On the day of the closing Wells Fargo left me - literally - sitting at the closing table and did not show up with the mortgage funds. It defaulted on the committed loan and put my deposit at risk - as well as my moving expenses - with no explanation and for no apparent reason. 

I filed a complaint with OCC, which referred me to CFBP. You contacted Wells Fargo and it issued a letter, which included no explanation whatsoever as to respond to why this happened, and refused to compensate any of my expenses, including the attorneys fees that I had to pay to the Wells Fargo lawyer who was holding all of my funds!. They pretended to not even know who their own agents are or why the closing process required the funds to be wire-transferred. Apparently CFBP acts only as a messenger service to shuffle complaints and responses back and forth, and does not act even when the response clearly does not address the complaint. I would never have imagined that a major bank could be this irresponsible, or that there is no government agency that is willing to take notice and protect the 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 monetary relief
Consumer complaint received 2021-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
My current mortgage lender is Shellpoint Mortgage. Shellpoint administers an escrow account on my behalf through which real estate taxes are paid.

I am refinancing my home mortgage through a new lender.

I contacted Shellpoint before refinancing to confirm that I could request suspension of real estate tax payments through Shellpoint 's escrow because my new lender would be assuming responsibility for these payments going forward.

Shellpoint representatives confirmed that real estate taxes could be suspended in the manner I requested.

I completed the refinance transaction and my new lender was to pay real estate taxes going forward.

After I completed the refinance paperwork, I was informed by Shellpoint that Shellpoint 's real estate tax payment through the escrow account could not be suspended.

This contradicted previous representations by Shellpoint.

The reason given by Shellpoint for not suspending real estate payments was that Shellpoint works with a third-party escrow administrator. No explanation was provided as to why Shellpoint could not work with the third-party administrator to request suspension of the tax payment.

I spoke to Shellpoint representatives several times after being informed that Shellpoint could not suspend real estate payments. I was told by phone representatives several times that real estate payments could in fact be suspended. I was also told that a " lock '' or " freeze '' had been placed on the account that would suspend the payment.

Shellpoint made the real estate tax payment despite their representations that it would not. I spent several hours on the phone clarifying these issues and the end result was contrary to my initial request.

In addition, once it was determined that both Shellpoint and my new lender had made payments on my real estate taxes, Shellpoint did not provide clear directions or sufficient documentation for me to request a refund on the duplicate tax payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, I am very sad and stressed out, as I keep writing to you regarding my problem already for a long time. The account reported is not mine, only one bureau keeps reporting this error, what else I need to do in order to make you to pay attention to my problem and remove this finally. I already applied so many reports that I am shocked how come until today I am that much ignored. This item is not mine, I do not want to see this in my own credit report. Why EQUIFAX keeps ignoring my problem? This is a mistake and Identity theft issue, why I am ignored? Please remove it finally because I do not know whom else to write about my problem. Please I kindly ask you to take appropriate actions finally and help me. This is my credit report and my face you know, I can not apply for mortgage because of this and my family is waiting for sooner resolution. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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:
The account XXXX/XXXX  is not my account. The account does not belong to me. This means that I was not the person which had this account with XXXX/XXXX. XXXX/XXXX  has reported this account to my credit report but this account was not opened by me. I did not give authorization for anyone else to open this account. Therefore the XXXX/XXXX  account must be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: NV

Complaint narrative:
On XX/XX/XXXX i received a notification on XXXX  app that a, collection agency Company called DEBT RECOVERY SOLUTIONS Had put A Collections/ Chargeoff on my credit report. I Called On XX/XX/2021 and spoke with a rep and i explained my situation to her, can't remember her name. And she stated that they didn't have a phone number and my entire unit number to my house, thats why i didn't received anything in the mail or a telephone regarding this debt validation. Its not fair to a consumer that they just put stuff on are credit report without having all there information for this debt. This account was paid in full that same day. I Asked them for a pay for deletion and she said they dont use those terms, but she will summit a request for them to delete. i just wan na make sure its comes off my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
Gm Financial and XXXX XXXX  are reporting on late payments made in 2020 without any consideration for Covid or the pandemic. I have requested that this information be updated to show pandemic or something but they are blaming the CFPB and saying that they aren't required to. 
The picked and choose which months qualified but the entire year after XXXX was under a pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: CT

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
I have made a payment of XXXX towards the loan on XX/XX/XXXX. The lender notified me that I haven't followed the process and they will return the funds so that I can certify the funds and pay the loan. I was told funds will be returned within 24-48 hours and I have been calling since then to get an update on when my funds will be returned so that I can follow the process. Finally, they say funds will be on hold for 45 days ( 30 business days ), neither they apply to the loan nor return it back to me so that I can follow the process. I have asked them to give me a written confirmation at least and they have rejected. 

While my funds are with the lender I am paying interest on it,

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