vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To Capitol One Fraud/Scam dept, I am writing to report a telephone scam involving XXXX and the good name of XXXX XXXX XXXX ( XXXX XXXX and XXXX XXXX On XX/XX/2021, con artists called me pretending to be billing agents from XXXX XXXX XXXX. They tricked me in to making emergency " payments '' and some refund " transactions '' using XXXX in order to prevent the power from getting turned off. The caller ID on my phone was XXXX and it seemed legitimate. They had me make 5 separate transfers totaling {$2000.00} under the pretenses shown : {$180.00} " back due amount : {$390.00} " back due amount plus current due '' {$180.00} " refund of first payment '' {$580.00} " refund of first two payments '' {$700.00} " reset transactions '' The scammers wanted to go further, but I told them to hold while I used a second phone to call XXXX XXXX XXXX. I reached an agent who assured me that my account was in good standing and there was no need to for any action. I then told the scammers to jump in a lake, figuratively speaking. Regards, XXXX XXXX XXXX XXXX XXXX XXXX, CA I filed a previous complaint with cfpb against XXXX seeking consideration for this event. ( NR XXXX ) XXXX declined to do anything but did contend that the funds were transferred to an account with Capitol One. Please review the attached response from XXXX. 

I have also attached screenshots of the transfer confirmations. The phone number that the scammers asked that I use for the receiving account was XXXX. This phone number was a XXXX phone but is no longer in service and was registered to a now deceased woman named XXXX XXXX XXXX XXXX XXXX KY. The XXXX XXXX police confirmed XXXX XXXX 's passing sometime last year. She had other addresses in an around Tennessee as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: FL

Complaint narrative:
Homepoint finance has been the servicer of my account since I first obtained my property. Since origination I have had the taxes and insurance escrowed, and I have never missed a payment. I was made aware that my 2020 property taxes were never paid, and that my home has a tax lien that has been sold in auction. Homepoint financial has assumed responsibility for this huge mistake, however they have yet to resolve the issue, and I am at risk of losing my home. They have verbally agreed to pay all necessary charges to redeem my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: UPGRADE, INC.
State: FL

Complaint narrative:
Upgrade Card XXXX. On XXXX XXXX I called to close the account I was advised they could not because there was a balance. I paid off the account while the representative was on the phone. The funds cleared my XXXX account on XX/XX/XXXX. I then had to call again to close the account, which was not done. Then I was told on XX/XX/XXXX they state the account was closed. I went to my credit report to dispute the account as paid off and closed. Upgrade on XXXX confirmed with XXXX that the credit limit was not XXXX like previously reported but XXXX and the balance owed was XXXX. I have called several times to close the account. I open the app and says the account is active. I have also mailed the card back to close the account and advised Upgrade Inc to have no more electronic notices or information. Upgrade Inc. is still sending everything electronic and will not mail. Now the account shows my new due date of XXXX XX/XX/XXXX. I do not know what else to do to close the account. XX/XX/XXXX I called and spoke to XXXX who hung up on me after asking for a supervisor XXXX because XXXX was leaving in a minute, and not supervisor was there. XXXX stated there are notes on the account and it was escalated but nothing happened. XXXX XXXX responded to my email that I needed to call in about closing my account. I have emailed, called, sent letters nothing happens and Upgrade Inc. still reports the account incorrectly and confirms that it is right but the information is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
I am a 100 percent total and permanent service connected XXXX XXXX  veteran with full custody of my son and XXXX  daughter. 
On XX/XX/XXXX I submitted to Freedom Mortgage for Covid Modification and any additional VA modification that was available due to the fact that my covid forbearance ended and my wife who was a financial contributor of the home had passed away shortly before that date. 
At this time XX/XX/XXXX I have not yet received a modification agreement nor according to Freedom Mortgage has one been drafted at this time. 
Freedom Mortgage stated Verbally that they were drafting a modification payment of XXXX XXXX monthly which included all escrow dues that would be due beginning XX/XX/XXXX pending my agreement. 

Again, I have not received a modification agreement, rather I was sent an invoice/bill on XX/XX/XXXX. 
The invoice reflects : New Payment Amount : {$1500.00} New Payment Effective Date : XX/XX/XXXX. 

Additionally, my property is uninhabitable due to 2 insurance claims that began on XX/XX/XXXX. After 3 years, the insurance company has sent checks to begin repairs on the home made out to myself and Freedom Mortgage. On XX/XX/XXXX I sent the required information and check on the first claim to Freedom Mortgage. After several attempts requesting return of check, Freedom Mortgage stated that their investors did not feel comfortable releasing the funds to me ; then recanted this statement indicating that the investors did not feel comfortable releasing the FULL amount to me and that they would be sending me a check for half of the amount. However, I have yet to receive said check. I am current on payments, according to the modification they claim they instated. 

Lastly, as a side note -each time I inquire on these concerns I am questioned about the habitation of the home ; even with their knowledge that it is still uninhabitable as deemed by the state of NC which leads me to believe they are attempting to strip me of the home. My most recent encounter with a Freedom Mortgage employee ( XX/XX/XXXX ) was unprofessional to say the least. Her response to my concerns of the bill that was sent to me was laughter. Not only is this unprofessional, it is offensive to a customer who is on all accounts becoming homeless if this can not be resolved in a timely manner.

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 2021-12-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I, XXXX XXXX never gave ( XXXX, Experian, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached to this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: QUALITY ACCEPTANCE LLC
State: IL

Complaint narrative:
This incident occurred in XX/XX/2018 where the company Quality Acceptance repeatedly called my place of employment. They asked to speak to me but not before disclosing my past due payments with my employer. They were told to not call the office, once by my direct manager and once by myself. However they continued to call twice more disregarding our request. I understand it is consumer protection law that states they are not call a place of employment especially when told not to do so! 

The atmosphere at work had recently become stressful due to poor business at the time. Their refusal to leave my place of employment out of the process added to the hostile work environment. To explain briefly this attributed to my employer treating me with an added disrespect. Along with my mother being diagnosed with XXXX at the time I had fell behind on my financial obligations. I would just like to emphasize the fact that my employer had cast judgment towards me due to the collection agent badgering me at work which just made matters worse. Eventually leading me to take a independent contractor position elsewhere with less pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I keep getting text messages that my Citibank account has been frozen or that there are purchases made that I did not authorize ; all direct me to a link. Sometimes they ask for account info, sometimes they send an XXXX XXXX code. The punctuation and capitalization are often incorrect. 

However, I called my Citibank credit card directly and they said that my card is not frozen nor does it have any of these aforementioned charges. 

The texts are coming in on these numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am also on the do not contact list. Despite that, I have asked that they remove me ASAP, but no luck.

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 2021-12-17 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: IL

Complaint narrative:
To EQUIFAX : I am tired of dealing with your lies and manipulations of peoples lives. I have filed a dispute several times with your company involving a Bankruptcy Public Record incorrectly reported on my Equifax credit report. The updated Equifax report shows Bankruptcy Public Record as VEFIRIED AS ACCURATE. You state you obtained Bankruptcy Public Record Information from local, state, and federal courts through a third-party vendor, XXXX. I have included a letter from XXXX stating they dont report bankruptcy on my consumer file. You have also listed the Agencys contact info as the XXXX XXXX XXXX. The Bankruptcy Court has both mailed me letters that emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and confirm public records. Please provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report or my release authorization bearing my signature. In the meantime, to fully comply with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Failure to respond satisfactorily within 30 days of this letter will result in a small claims action against your Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau. 

I am as a result of this demanding deletion of the above account from my Equifax file under 15 USC 1681i ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account, ONLY deletion. 

I have previously disputed this info with the CFPB, but there was no Equifax response. The CFPB states that the complaint has been resolved, but Equifax has not yet sent me any results or a confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: OH

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 and XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
My husband XXXX XXXX called multiple times in XXXX and I would like them to look for the calls as they state " they are recorded '' ... as ALL individuals we spoke to -whether it be my husband or myself spoke of adding the XXXX amount to the remaining principal. We were told on all occasions that if we received loan modification paperwork to ignore it as they would actually send us paperwork to sign via docusign. During this time they said it could take until XXXX of XXXX we didn't have to pay nor would it affect MY credit as my husband filed XXXX XXXX. They all said not worry. Even the gentleman on XX/XX/XXXX at night spoke to us and said he was confused until he spoke to someone who told him that because we never had missed during the forbearance process so instead of being praised for that we are being told that we NOW have to send that paperwork they wanted in. It took me 3 hours to get it together. I am suicidal have been hospitalized recently and they are aware I am on SSDI. I sent them myself as my husband is trying to work XXXX XXXX as he lost his job XXXX of XXXX and he had got XXXX with that extra XXXX, but things are tight. Companies are not paying well and he is XXXX to the XXXX XXXX  so he is not allowed to get fully XXXX which seems to be a problem with hiring now. So is injured from a XXXX accident and he is still TRYING to XXXX  but he pays most of that money in a rental care which we told them in the hardship letter. 
They have all the documents they needed tonight now. BUT the lies beforehand? WHY! I want an explanation. YOU do not care if people take their life with no home and car... you lie about info. What is wrong with 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 explanation
Consumer complaint received 2021-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 and XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 and XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I filed Complaint # XXXX on XX/XX/2021 in regards to my mortgage servicer NewRez LLC DBA Shellpoint Mortgage Servicing. 

NewRezs XX/XX/2021 response states, As stated in Newrezs XX/XX/2021 response, {$940.00} in funds previously received from the Trustee were mistakenly counted as a post-petition payment in tracking post-petition amounts due 1. Provide documentation/records showing the exact Transaction Dates that NewRez allegedly received funds from the Trustee in the amount of {$940.00} that was mistakenly counted in the bankruptcy payment ledger. 

If the amount of {$940.00} was paid by the trustee as multiple payments, totaling XXXX XXXX-provide documentation showing all of the separate amounts and transaction dates which total to the amount of {$940.00} that was allegedly received from the trustee and mistakenly counted in the bankruptcy payment ledger. 

2. Why is NewRez stating they used the number/amount of {$940.00} in their XX/XX/2021 response as the number/amount {$940.00} does appear at all in their XX/XX/2021 response?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
As a result of their unaudited practices ( nationwide ), Portfolio Recovery Associates LLC has filed and won ( mostly by default judgment ) hundreds of court cases here the South Texas region with the aid of XXXX XXXX XXXX XXXX, Texas. Soon, those judgments will materialize in garnishment of peoples income and/or a lien on their bank account - unbeknownst to them right now during a Pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: MO

Complaint narrative:
I have been contacting the credit bureaus and companies for months now and nothing has been done. I have been a victim of identity theft. I have been so stressed out over this address, inquiry, credit card and auto loan thats not mine. It has been causing me to be denied for credit and has really taken a toll on my family financially during the pandemic. I need Equifax to take this complaint seriously and delete the fraudulent items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Requesting for the block/removal of ( 2 ) fraudulent items from my credit report. Here are the details : Date of Discovery : XX/XX/2021 Account # 1 Amount ( {$20000.00} ) Account # 2 Amount ( {$3400.00} ) Actions Taken By Me : - Filed Federal Trade Commission ( FTC ) Identity Theft Report - Filed Local Municipality Police Report - Contacted both Credit Reporting Agencies in which the items were reported ( XXXX /Experian ) - Worked with XXXX to successfully remove items in XX/XX/2021 - Put in Dispute with Experian on XX/XX/2021 2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I informed bank of america that i had not made these transactions and they said nothing was wrong with transactions. I had informed them of my identity theft from me in which they fail to adhere to. I am currently unemployed and bank of america has allowed the money that was awarded by a judge to stolen and dose not want to fix the problem per efta i have 3 daya to get a response on which i didn't

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