vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Home Point Financial Corporation
State: CA

Complaint narrative:
In XXXX, I went sent a letter in the mail that stated that a payment was missing and I called Home Point Financial. They could not understand what was going on with the account and told me they would investigate and call me back. When I didn't get a call back, the following week I called them again to inquire if the matter was fixed, since I didn't understand what the problem was. They again told me that they didn't understand what was wrong on their end and told me to please call back again, which I did. I called a third time in XXXX ( this should all be documented in their system and I'm now calling my phone company to get the phone logs ), they said everything was current and apologized. We were traveling during the month of XXXX and in early XXXX, when we were back at home, we received a letter in the mail stating that we had not paid our mortgage! I called the company immediately and was told we were late for XXXX months of payments, dating back to XX/XX/2021. Unbelievable! I asked the representative WHY this would have happened when we have always had automatic withdrawal from Home Point Financial itself. He asked me if we had changed anything with the checking account or routing number >> NO, NO, NO. Never changed anything. He informed me that it was a glitch on their end and apologized and took the 3 months of payments from me when I was on the phone XX/XX/XXXX. The representative said he would make notes to show the error was on their end and advised me to send an email to the Correspondence Dept at Home Point, which I did. 


I want a letter from Home Point showing and stating that this was their error for our records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
I applied for a {$500.00} loan. I was approved by CashnetUSA. They deposited {$420.00} into my checking acct. {$75.00} of the loan went to CashnetUSA for fee. I have been paying monthly ( since XX/XX/2021 ) on this loan by electronic payment debited from my checking account. I have paid a total of over {$800.00} through monthly payments for a {$420.00} loan and my balance owed on the loan as of today is {$420.00}. I basically have paid this loan down by {$4.00}, but yet have paid over {$800.00} towards the balance. This is absolutely unacceptable to do this to a person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Selene Holdings LLC
State: KY

Complaint narrative:
We have a discharge date of XX/XX/2021 from a XXXX XXXXXXXX Plan. Selene Finance who holds our Mortgage refuses to send us any statements or speak with us. They also have not reported to the Credit Agencies that we have an active Mortgage at all. Since our case was discharged our counsel will no longer help us address this continuing problem. We have spent countless hours calling, leaving voicemails and emails to Selene Finance showing them that the bankruptcy court already closed this discharge, however they still will mot speak with us or change our Loan to show that we even have a mortgage to the creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello I filed a claim on my XXXX funds through bank of America for {$9600.00}, that someone has transferred money out of my account. After waiting a month Bank of America transferred the money back on the card ( after on the phone with them for over XXXX hours ), Two days after receiving the funds, the same person takes out {$5300.00} ( available amount, because i tried to withdraw the money as soon as it became available, but bank of America only allows {$2500.00} at a time ), Now my personal information is floating on the internet due to Bank of America ( because the person who took the money has called me numerous times, and has all of my information readily available ( including bank security questions which were changed couple of days prior ). 
I've now on the second claim have called and talked to the customer service and their supervisors 9 times and over 8 higher up supervisors, each one telling me how sorry they are, and that they are emailing their higher up supervisors and managers, each one with different useless information, and promises that are never fulfilled.

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 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
THIS COMAPANY HAS PLACE BANKRUPTCIES ON ALL XXXX OF THE MAJOR CREDIT BUREAUS. THEY ARE NOT COMMUICATING WITH ME AND I HAVE SENT IN ALL DOCUMENTS TO HAVE THIS REMOVED FROM MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
THIS COMAPANY HAS PLACE BANKRUPTCIES ON ALL XXXX OF THE MAJOR CREDIT BUREAUS. THEY ARE NOT COMMUICATING WITH ME AND I HAVE SENT IN ALL DOCUMENTS TO HAVE THIS REMOVED FROM MY CREDIT FILE.

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 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2021-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
This complaint stems from several years of attempting to get customer service equal to that given to able bodied individuals from BB & T bank, now Truist. Based on both the lack of support for XXXX customers who don't use voice telephones or TTYs, I decided to close my accounts prior to the merger of BB & T and SunTrust. Unfortunately, I was told that I would either have to obtain a notarized letter to close the accounts, or physically go to a bank. Both of these options are not possible for me given we are in a pandemic and I am XXXX XXXX. As I created some of these accounts completely online, I should be able to also close them online. Of course, BB & T has continued to charge me fees associated with the accounts. 

I have written through the online portal many times, requesting escalation to the bank 's XXXX coordinator, or to their general counsel 's office. Instead, I receive the same canned responses about how they are unable to close my accounts without taking risks with my health. But now, Truist seems too have removed the option to even initiate emails through the portal, and I seemingly have no way to get support from the bank that is holding some of my funds.

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 2021-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
This letter is to inform of the fraud that was committed on Friday, XX/XX/XXXX at approximately XXXX to XXXX PM. I received a call from TD Bank with the phone number XXXX, as I picked up the phone the woman who I thought was a representative asked if I was XXXX XXXX, & informed me that there have been some fraudulent charges on my debit card. She informed me that there was a charge of {$130.00} to XXXX, {$56.00} to a gas station, and various other charges that I did not recognize. At that time she thanked me for using TDs Voice recognition. She also asked me to verify my online banking username, which I gave her not knowing that my online banking would be locked. She informed me that the banking would be locked so that she can look into these fraudulent charges, she also asked me about charges that were actual at that time. Her demeanor and the way she articulated everything was exactly as other TD representatives lol have spoken to me in the past. After she said she was looking into these fraudulent charges she asked me if I authorized a pending transaction through XXXX of {$900.00} to which I said no. She sent me a text message ( that came through XXXX number XXXX ) with a verification passcode of six digits which I gave her at that time, after I gave her the verification number I was sent an email from XXXX ( please refer to screenshots ). When I received the email I said no I did not authorize this charge she then said that this charge would temporarily go through so that TD Bank can dispute it, she asked if I was OK with the charge going through so that the dispute can be processed to which I agreed as I was not aware of how the process of disputes go as far as XXXX, so I didnt know that at that time the money was taken out of my account, the whole time I was on the phone with her I did not have access to my online banking I also received an email saying that my username was being changed. Before getting off the phone I asked her for a case number which she gave me but of course it wasnt an actual case number, and when I was finally able to log into my online banking after resetting my password several times, I saw that the {$900.00} was taking out of my account. I called TD back to make sure that the case number was filed and the dispute was filed to which I was informed that the case number did not exist and that no one from TD had actually called me. 
At that time I filed my first dispute, the next day I submitted proof of the emails and text messages that were sent to me while I was on the phone with the hacker/scammer TD representative. 
My first dispute was denied and I submitted a second dispute with this letter as well as even more proof of the fraudulent phone call and scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have mailed and emailed a copy of my police report regarding identification thief to XXXX credit reporting agencies on XX/XX/XXXX. I have requested that false inquiries be removed and asked that my account be locked. As of date XX/XX/XXXX false inquiries were not removed, accounts that were paid in full are still reporting as late/negative, and false delinquent accounts are still being reported on my credit reports. I have sent proof of fraud and nothing has been rectified.

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 2021-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I disputed a charge of {$100.00} with Capital One on a service that was canceled within the time period. The case was closed in my favor. Now, they rebilled me without warning. There service is no longer available to me that was paid for and I'm charged for it thru my credit card company. So the company made Capital One recharge me without the service available. That's fraud. And Capital One will not refund the amount I'm out. Trying to resolve this with the merchant, XXXX XXXX, they keep saying I will get a refund then backtrack saying my bank gave back the charge. They are accusing capital one of stealing my money. But yet while trying to get this resolved with capital one, they say I have to take it up with the merchant. Everyone is blaming everyone else and I can't use the service and yet my money is taken by capital one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
On XXXX XXXX I received a bill from Speedy Cash Account, stating that I owe them {$390.00}. I immediately contacted Speedy Cash at XXXX. I informed Speedy Cash that I did not open the account and I was redirected to their fraud department. The repetitive name was XXXX. They would not share any information with me but recommended that I file a police report. I then went to the XXXX XXXX Police Department XXXX XXXX XXXX Police Department XXXX XXXX XXXX XXXX XXXX Tx XXXX PXXXX XXXX XXXX ) and filed Case XXXX  XXXX with officer XXXX  XXXX Badge # XXXX. Officer XXXX connected me with XXXX XXXX XXXX # XXXX. Both officers found it to be suspicious that Speedy Cash was unable to share any account information other than that sent with the collection letter. Speedy Cash did send a follow up email asking for a copy of the police report. I did not share this with them since it has a lot of personal identification on the report. I asked them for all information used in opening the fraudulent account and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF THE WEST
State: FL

Complaint narrative:
To whom it may concern : my complaint is as follows, in XXXX of XXXX, our XXXX XXXX XXXX XXXX XXXX trailer on loan number XXXX, had a payoff request asked for by XXXX XXXX XXXX XXXX XXXX. A check for the entire payoff amount was submitted per loan office with XXXX XXXX According to XXXX XXXX, Bank of the West had never processed original check and it was not cashed which crested late charges. XXXX XXXX coordinated that mishap with them and supposedly all was resolved. 
Bank of the West, continued to issue notices for late fees and interest fees for payment due to my account after this transaction was completed. I contacted XXXX XXXX, inquiring and was informed that Bank of the West did not process the loan payoff correctly. My apology for not having specific dates but if you check the records of Bank of the West, they have a call log as to when and how often I called and spoke with them. 

Over the next 4 months to current date there have been several calls to resolve what was initially, {$33.00} outstanding. Our position on this stands firm. These charges are not legitimate, and this account must be closed and satisfied and declared PAID IN FULL AS PROMISED. 

In addition, Bank of the West has the responsibility to report back to the credit agencies : XXXX, XXXX and XXXX, removing any negative and/or derogatory information reported against XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 

Respectfully submitted, 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 2021-12-13 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: TX

Complaint narrative:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I have sent out a validation of debt letter weeks back. However, I did not get a response- I sent another letter out and got a response, however ; instead of sending me what I asked for they are calling me. They've called me 3 times while I have been at work at very inconvenient times. XX/XX/21 I sent an Affidavit of Truth along with exhibits and other documents. I found multiple violations that I marked and labeled that were sent to them. 
15 USC 1692b ( 5 ) 15 USC 1692e ( 2 ) ( A ) 15USC 1692d ( 1 ) 15 USC 1692e ( 11 ) 15 USC 1692j ( a ) 15 USC 1692c ( 1 ) 15 USC 1692c ( 3 ) 15 USC 1692d ( 5 ) 15 USC 1692g I have continued to make payments on time because I do not want it to affect my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Paypal allowed someone to go into my XXXX acct via my paypal acct. XXXX and paypal both refunded me the money. XXXX stated paypal paid me and took they money back out my acct. Paypal decided to allow XXXX to think paypal paid me and took the money out another account I had with paypal. On XX/XX/XXXX XXXX took XXXX out and again on XX/XX/XXXX. Claiming it was pay paypal. So I was never refunded any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: TX

Complaint narrative:
On XXXX XXXX, I sent letters regarding inaccurate and unknown items on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate items within 30 days give reason to immediate remove these items from my credit report. It has been well over 30 days so the should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you caused. My information was also impacted by Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Company is reporting a balance when the account has been charged off. Account is also reported as closed and with a past due balance. account has been re aged. Account has not been verified and the XXXX in Texas expired. I also submitted verification to the creditor and the credit bureaus, and it has been more than 30 days with no response for the 3rd time. Account is violating my credit rights and reporting inaccurate information.

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