vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FirstPoint Collection Resources
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Second Dispute for Inaccurate Information Request for Immediate Deletion Account Name : Firstpoint Collection Resolution Account Number : XXXX Date of Original XXXX Dear XXXX, I am writing to follow up on my previous letter dated XXXX, in which I requested validation of the collection account listed on my credit report with your bureau. I have yet to receive a satisfactory response or proof of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). As per my initial request, I sought validation of this debt, including documentation such as my signature or a contract to verify its legitimacy. To date, no such verification has been provided. 
Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information reported on my credit file is accurate, verifiable, and complete. As the debt in question has not been properly validated, I assert that it is inaccurate and unverifiable. 
Additionally, Section 809 of the FDCPA mandates that a debt collector must validate a debt when requested by the consumer, and failure to do so results in the debt being considered invalid. Since no proper validation has been provided, this debt should be removed from my credit report. 
Therefore, I request the immediate deletion of this collection account from my credit report. Failure to comply with this request will leave me no choice but to pursue legal action under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which can lead to significant penalties for non-compliance. 
Please update me on the status of this dispute within 30 days, as required by law. If this account is not deleted, I will consider taking further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse. 
Thank you for your prompt attention to this matter. I expect a resolution in accordance with the law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
some one came to my home and said that i was refining my home and i called Mr. Cooper and they said it wasn't i gave an agent money and i never seen a break in payment and my home was never refinanced but i have the paper work. I worked with a XXXX XXXX and the numbers are all disconnected. and they took XXXX from me with a check for XXXX to do it. So i feel something was financed or bought under my name. In 2022. I keep asking Nationstar? Mr . Cooper and I feel i got scammed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
From my pay check I directly deposit {$500.00} and the rest goes in my other back account from a different banking institution. Navy federal took payment from my checking account to make a credit card payment that was due. Taking that payment cause my account to overdraft. Then I was charge a fee for the overdraft. If the bank didnt take the money out of my account the funds would have been there to cover a charge. I was going to make the payment from my other checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Hello, please see my initial complaint against XXXX in the below quotation marks. I am now dealing with a situation where my credit report scoring has now dropped XXXX points because XXXX has still not updated XX/XX/XXXX credit reporting with the credit bureaus ( they sent me a copy of the letter they submitted ), however XXXX is still not updated and now XXXX being erroneously reported delinquent for XX/XX/XXXX as well. Their error in my credit reporting for the past two months has cost my XXXX XXXX to take a major hit. XXXX need to call the credit bureaus in addition to submitting a new letter to include XXXX reporting as well. 

I recently had some major repairs completed on my XXXX XXXX which had financially crippled me at the moment. I have my car loan via XXXX. I logged onto my account on XX/XX/XXXX and there was availability to pay one car payment and then fill out online documents for an extension on the remaining balance. I made the payment of {$220.00} and the extension documents were completed showing I was now current and would not be reported 30 days delinquent on my credit report. XXXX sent me a copy of the extension documents signed on by both parties for approval. Document number XXXX. Days later I go back in to look at my account and no evidence of the Deferment and now Ive been reported 30 days late. I called XXXX today, XX/XX/XXXX and spoke with XXXX XXXX XXXX XXXXXXXX, a Customer relations associate. She tells me their department is the highest in the company and that my extension was reviewed again and denied due to my cars upcoming maturity date. I told her nothing was sent to me in writing stating this. She told me that they do not send the denial out in writing. I requested the denial in writing. She told me she was not going to send it to me. I told her then I can not believe it was actually denied. I have a signed document of approval and without a denial in writing, they could be telling me anything. I want my credit reporting corrected for this month as its unfair I was approved and under the impression I would not be reported as delinquent. I want my deferment shown as up to date and my credit reporting corrected and fixed. Also spoke to XXXX, ID number XXXX, XXXX XXXX  XXXX, also denied me the right to have the denial in writing. She stated thats not the companys practice. It sounds to me that they are refusing to honor the approval and back peddling because of their oversight.

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 2024-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
I am currently in loss mitigation, set to begin the deed-in-lieu process with Shellpoint Mortgage Servicing at the end of this month, however, I have received both a Notice of XXXX, and a courtesy letter with a Sheriff 's sale date XXXX XX/XX/XXXX on behalf of Shellpoint and the attorney XXXX record, XXXX & XXXX. 
I was told on XX/XX/XXXX by XXXX XXXX that a foreclosure sale of my home was put on hold, and that the deed-in-lieu process would begin in XXXX. However, when I spoke to an attorney at XXXX XXXX XXXX, I was told that Shellpoint has not communicated with them to cancel the sale. 
It seems to me that Shellpoint is making false promises to cancel the foreclosure of my home because I am still receiving XXXX notices with sale dates from my XXXX XXXX XXXX, AFTER Shellpoint has told me they cancelled the foreclosure with the appropriate authorities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently applied for a home loan and notice fraudulent reporting on my consumer report I did not give written permission or instructions for the identified transactions to be reported on my consumer report i am requesting that this be brought to you guys attention ASAP AND BE REMOVED AND BLOCK my request is not being made in error or is my request to BLOCK AND REMOVE basis of a material misrepresentation of fact by relevant to the request this information and transaction made by me as a consumer XXXX, XXXX, TRANSUNION ACCOUNTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE REMOVE WITH IN 4 BUSINESS DAYS PLEASE AND THANK YOU

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 2024-12-21 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: NC

Complaint narrative:
Westlake porfolio management supposedly took over u.s auto loans and contracts for cars that was leased from u.s auto... the amount of the vehicle is wrong and monthly payments that I've paid is not adding up correctly. Us. Auto was not appying my payments and repoed my vehicle twice and i paid to get it back both times and i was on time with payments. Now Westlake is on my credit and is late changing me every since they had the contract cause they gave me a different due date and the total of the agreement is way off.. I have my original contract from u.s auto just have to find it. My credit is being lowered and hit monthly cause of this and it's so frustrating XXXX XXXX XXXX XXXX XXXX  XXXX ssn

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I've reached out many times also having a police report, ftc reports etc with no avail to them deleting this fraudulent account off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XX/XX/XXXX I have one single address on my report. I've been updated my addresses that were tied to these illegal fraud collections and accounts. These needs to be removed asap!!!

Manual verification is required from notice. These items are illegal and needs to be removed asap.

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684, 1692g these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Applied for a mortgage with Navy Federal several months ago. I made it very clear and expressed concern with the loan officer, XXXX XXXX, that my income had significant stipend amounts that I believe could affect my eligibility as I work as a XXXX XXXX. She assured me she there would be no issue and that she had worked with several XXXX XXXX before. She stated my income was well above the needed amount to afford the mortgage I was applying for. 

Before accepting a new employment contract for a different income amount, I told XXXX about this to make sure there would be no issues as I could get a different contract, if needed. She assured me that she ran it by underwriting and there would be no issue. 
Through out this process XXXX has been extremely hard to get ahold of. She has only answer her phone two times out of the dozen plus times I have called.

Approximately two weeks before closing I am being told I am denied because of my income is not enough, strictly due to the employment contract that I just signed. No one ever notified me and XXXX has refused to respond to my calls or emails. Her supervisor is now attempting to convince me that I should apply for one of their other loan products with a substantially higher interest rate.

This is a prime example of a Bait and Switch tactic that is magnified by the urgency of the situation as a home purchase is now in jeopardy at a point where there should be no concern about my financial ability to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CREDIT MANAGEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am requesting a assignment contract regarding the account listed above

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have been a customer of Capital One credit card for XXXX years. In that time, I have paid thousands of dollars in fees and interest. 
In early XXXX, I brought my account to a zero balance and each month began paying the statement balance in full to avoid any additional fees or interest. 
In XX/XX/XXXX, I experienced an issue in which I was going to be delayed in making the full statement balance payment by one day. I contacted Capital One in advance regarding this. A supervisor committed to refunding the interest charged but advised he could not do so until it officially posted after the next statement was issued, and he advised to call back then. 
I made the minimum payment on the XX/XX/XXXX due date. I paid the statement balance on XX/XX/XXXX. When the next statement was issued, I had been charged {$20.00} in interest. 
I therefore called Capital One on XX/XX/XXXX for the promised refund. Capital One customer service said it was not authorized to issue any refund. I asked for a supervisor, who denied they had said they would refund the interest and also denied the promised refund. 
Furthermore, Capital One 's supervisor stated that Capital One would now charge me interest for XXXX months, rather than just one, even though I had already scheduled a payment for the statement balance for the XX/XX/XXXX payment due, AND had already paid the full statement balance for the prior month. 
How is this legal? 

Also, Capital One randomly has a " XXXX XXXX '' interest rate that I have been charged for non-XXXX XXXX purchases. I have never taken a XXXX XXXX from this credit card. Yet I have been charged this rate, which is nearly 30 % APR. Capital One wrongly classifies purchases made to non-US merchants as XXXX XXXX, even when the merchant does not appear to be outside the XXXX and is clearly an online purchase. Capital One also charges XXXX XXXX fees for purchases made using apps like XXXX or XXXX, even when they are not a XXXX XXXX, but a purchase of goods or services. 
Capital One also maintains a high interest rate even though I have a XXXX XXXX XXXX and exemplary record.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Viking Client Services
State: IL

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX XXXX I rented a car from XXXXXXXX XXXX XXXX. On XX/XX/XXXX I received a letter inquiring about collect {$790.00}. I requested proof and said I did not do anything. They sent proof of a rental agreement and the charge for replacing the windshield. They never sent any proof of the actual incident and what caused the windshield to be repaired. When I dropped off the car they inspected it and saw no damage. I am now receiving these letters more than 6 months later trying to ask me to pay with no proof of any damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiries on my credit report.Please dispute and remove listed fraudulent inquiries from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/scrub>XXXX I created a account for Equifax. I entered all my personal information including my full social security number. I received in their words " a summary for a quick view of key information " Credit Report on my phone. This summary was the equivalent of an XXXXXXXX XXXX XXXX XXXX appetizer. The screen had a image to tap on to speak to a representative. I did this and a machine voice asked for all my personal information ( XXXX ) XXXX? including my full social security number which I entered. Then the machine said press a number to speak with representative. Then the machine voice said ; I'm sorry what was that or I didn't understand and some other comments, over and over in a endless loop. After 2 minutes of listening to this I hung up and contacted you. The CFPB. I think I called XXXX for Equifax. I'm sorry it's been frustrating.

Company response to consumer: Closed with explanation