vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-18 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: PA

Complaint narrative:
These company did not accurately complete an investigation for the fraudulent account on my credit report. I have submitted my FTC report along with dispute letters since XX/XX/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 explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
Received a letter from XXXX XXXX  dated XX/XX/XXXX, informing me that our two mortgage loans were being sold to Shellpoint Mortgage Servicing and that payments due after XX/XX/XXXX, should be sent to Shellpoint. 

I waited until the XXXX to hear from Shellpoint but received no further information. I called them on XX/XX/XXXX and was informed that I should wait until they send me their first monthly statement. They said we have a 60-day grace period to make payment due to the transfer of servicers. 

On XX/XX/XXXX, I received a letter from XXXX XXXX  with no return address or other contact information. This letter told me to make the mortgage payment to XXXX  XXXX  and further, said, PLEASE DO NOT MAKE PAYMENTS TO THE NEW CREDTOR. I immediately paid XXXX XXXX  electronically, for both loans. 

On XX/XX/XXXX, XXXX XXXX  returned on payment of {$1800.00} XX/XX/XXXX email today, I received an email from Shellpoint saying they have no record of my payment for loan # XXXX. There was no further information as to what property it related to or, how much I owed. I tried several times, to call Shellpoint 's contact number ( XXXX ) as posted on their website as well as on their email. Each time, an automated message told me that this is not a working number. 

AT NO TIME THUS FAR, have I received any communication ( except email on the XXXX ) from Shellpoint, to inform me as to where I should pay and what reference numbers I should use.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Facts : I XXXX XXXX am a consumer as defined by 15 USC 1692a ( 3 ).

CAPITAL ONE is a creditor as defined by 15 USC 1692a ( 4 ). 

CAPITAL ONE alleges that I XXXX XXXX owe them a debt as defined by 15 USC 1692a ( 5 ). 

CAPITAL ONE is a corporation whose residence is in the state of UTAH. 

XXXX XXXX is a natural person whose residence is in the state of CONNECTICUT. 

We are still within the statute of limitations for this case as the company in question is still violating my rights as a consumer willfully after being asked to stop since XXXX of XXXX and XXXX of XXXX. 

CAPITAL ONE has failed to supply any contract signed by me validating these claims. 

CAPITAL ONE has no record of payments or signature form that this account belongs to me and has provided none to me on request and has no record of dated payments to any of the credit bureaus and data furnishers as of XXXX. 

CAPITAL ONE has not recognized my claim of fraud and unauthorized use as defined by 15 USC 1602 ( p ) protecting me as a consumer from any unauthorized use of the card as stated in 15 USC 1603a ( 1 ) limiting my damages to {$50.00}.

ALLEGATIONS/COMPLAINT : -CAPITAL ONE in an attempt to collect on this alleged debt has violated 15 USC 1692 ( b ) by communicating with third parties about this alleged debt without expressed consent of myself the consumer. They have shared this debt with numerous credit data furnishers and sold this alleged debt to another entity a junk debt buyer violating 15 USC 1692c ( 1 ) and 15 USC 1692c ( 2 ) without verifying its validity after I the consumer notified them in writing that this alleged debt was not mine and I was taking steps to investigate it personally.

-CAPITAL ONE in an attempt to collect on this debt has sent letters threatening to ruin my reputation by sharing my private information violating 15 USC 1692d ( 1 ). 

- CAPITAL ONE have caused my phone to ring repeatedly at work and on my personal phone even after I asked them to stop violating 15 USC 1692d ( 5 ) and 15 USC 1692e ( 8 ) by threatening to communicate to other persons and credit data furnishers information which I believe to be false.

-CAPITAL ONE has ignored my cease and desist request and willfully caused me stress and emotional anguish as well along with the reprocussions of a damaged credit reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: PA

Complaint narrative:
These company did not accurately complete an investigation for the fraudulent account on my credit report. I have submitted my FTC report along with dispute letters since XX/XX/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 explanation
Consumer complaint received 2021-08-18 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: PA

Complaint narrative:
These company did not accurately complete an investigation for the fraudulent account on my credit report. I have submitted my FTC report along with dispute letters since XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2021 I was scammed for {$500.00} dollars. I was supposed to view a place and was told that money was needed to be deposit to see the room. The scammer then goes on to send me fake picture of the room and said that it was required to put money down to see the room. I reached out to the seller and told them I felt pressure by them to send money when I have never seen the place. They then went on to threaten me stating if I don't put something down that I'll lose my original deposit of {$200.00} for the application. I was forced into sending {$500.00} dollars and when I arrived to the apartment, everything was broken and filthy with bugs and dirt 's. I then immediately contacted Wells Fargo and open up a claim with them. A few days later, they sent a letter stating that they will not help me and denied my claim. I then tried reopening the claim and stated that I have written text messages document of the scammer stating that they scam me and Wells Fargo refuse to look at the document and reconsider opening up my claim. On XXXX XXXX, I called Wells Fargo claim department and was told that even with my supporting evidence, they would not look at my claim.

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 2021-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been refused to received documents as home owner and loan holder with false reason. I did not asked W.F.B to cease and desist and attorney roods is ration for privacy violation. 
W..F.B has refused to send to my inquiry and issues to me by misinterpreting my letter of XX/XX/2021. All documents has been mailed to attorney rerecords that are not related to pricey violation. 

However I received attached document from W.F.B without the name and I have many other documents I have received has no name.

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 2021-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Called Rocket Mortgage because they refuse to apply my principal and interest payment to my loan unless I pay the escrow payment also, which is unnecessary because we sold our house and close on it later this month. That money is ours, it comes back to us, and is not required for accurate credit reporting. They can't force a late payment on me for not paying thr escrow account during a home transaction when the principal and interest was paid on time. If they report negatively, then it will prevent my home transaction during my move. This is not legal. Escrow payments are voluntary. Not forced.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION
State: DC

Complaint narrative:
On Tuesday, XX/XX/2021, I logged into my account at Xoom.com, which is a subsidiary of XXXX XXXX , XXXX Xoom advised that there was a compliance problem with my account and that I needed to call Xoom to clear it up. I called several times that same day and the following day, and after more than 5 hours of speaking with Xoom representatives, supervisors, and other Xoom employees, none of such Xoom agents were able to provide an explanation of the pending compliance issue or resolve the problem. 

On Wednesday, XX/XX/2021, I received an email from Xoom, which read, in part, " Based on a thorough review of your transactions and/or your recipients transactions, we have decided to close your Xoom account. This decision is final and can not be appealed. '' And after speaking with Xoom and XXXX customer service representatives after receiving this email, they continued to be unable to provide additional information or resolve the problem. 

People I talked with included XXXX ( who was rather rude and repeatedly talked over me ), XXXX in compliance, and XXXX, who is a supervisor in compliance who was also unable to provide assistance. I have also reached out directly to XXXX by phone but they have been unable to resolve the issue. 

I am specifically complaining of what appears to be ineffective, arbitrary, and potentially illegal compliance methods and procedures by Xoom and its affiliates. The matter is further disappointing because I have had long standing personal and business accounts with XXXX and such accounts continue to remain in good standing. I would appreciate the CFPB 's assistance in learning the specific reason why my account has been closed and ensuring that the account is re-opened and returned to good standing. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) reporting inquiries without my permission as well as inaccurate reporting of the collection as an " Open Account ''. Also, some inaccurate reporting that needs to be removed immediately. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: CA

Complaint narrative:
On XX/XX/XXXX I submitted multiple disputes to Experian credit bureau in regard to several old credit files with several creditors that are closed. This is the second time I do so. I have previously done so and no changes to my credit scores are made. I am requesting the assistance of this entity to improve my credit scores to purchase a home and other matters etc.

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 2021-08-18 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: NC

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 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 these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: MI

Complaint narrative:
Transunion has failed to remove the hard inquiries on my report as requested in both letter and over phone. 
Transunion has also failed to remove a account that was fraudulently reported by XXXX XXXX. the account continues to show derogatory and revolving after two years of requesting validation an a letter from XXXX  stating the account is not valid as well as a discharge order that was ignored. 

transunion has refused to remove a bankruptcy they can not verify despite a notice from the bankruptcy court. 

they continue to knowingly report false information after multiple attempts to correct this. 

They are showing a derogatory account from XXXX XXXX that was resolved

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 2021-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: TN

Complaint narrative:
On XXXX XX/XX/XXXX, I contacted Capital Accounts to see exactly what the balance is of my debt owed, this is a medical debt that is under a Debt Management Program since XXXX and payments are made every month. I was told that the balance was XXXX, the balance on the DMP isXXXX, I brought this to their attention, I was then at that time made aware that they are charging interest, the original balance is XXXX, my wife contacted the Dentist office, who does not charge interest, under TN law if there is no interest in the Original contract and I didn't agree to it, they can't charge it. I asked the collection agency associate handling my debt when did they start collecting interest, she stumbled a lot on the phone then came back with XXXX XXXX XXXX the date the dentist office stated they turned it over to them, then I asked how much is the interest, what percentage rate?, the associate could not give me an answer, she stumbled quite a lot on the phone, so I repeated the question, again she never answered and then there was silence on the phone, which I waited to see if I was put on hold, waited a few minutes then the phone hung up. I called back, they answered and I asked for the associate 's last name, I asked twice and I was told there was no one that worked there by that name. Upon what information I found out today that I didn't know, they are fraudulently collecting interest on a medical debt for financial gain, they are using deceptive practices, in violation of FDCRA, the associate also claimed that they never received anything from the DMP, I know better than that, cause they are the ones sending them the monthly payments. They were caught in a lie, the associate also stated she knew nothing of the FDCRA as my wife tried to tell her, after I gave my wife permission to talk to them, the associate didn't want to listen after my wife caught her in a lie too.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
Midland Credit has called my number repeatedly over the last month from multiple phone numbers. I looked them up online and found that they are a debt collection agency. I don't have any debt, so I have not talked to them. I believe this is a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Atlanticus Services Corporation
State: MA

Complaint narrative:
I lost my credit card is XXXX, I've contacted the company about 6 times and I still haven't received a card. Each time I call I speak with a representative that gives me an excuse to why it wasn't sent out or why I never received it. I was told twice there was a system malfunction that's why it was never sent. Spoke with a supervisor and she assured me 3 weeks ago id get my card with expedited shipping and still never received it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
Please see attached letters and documents that explain the situation. 
All documents attached have been submitted via email to the CEO of the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. 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 explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Santander Bank, my mortgage company, has failed to apply a check for my mortgage. I have provided a copy of the cancelled check showing that they cashed it on XXXX with my mortgage number typed on it by them. I contacted them on XX/XX/XXXX when I was informed in the mail about the missed payment. I was told to email a copy of the cancelled check to a customer service email. They assured me they'd expedited it as their normal business practice is to take 5-7 days to research these issues. I emailed the cancelled check. I called back on XX/XX/XXXX because I received a new notice in the mail. I was told this was the first they had heard of it and was provided with a different customer service email address to send my cancelled check as proof that payment had been sent. Both times the customer service agents stated they would contact me to follow up. I did receive an auto-response from the customer service email letting me know they'd received my message so I know they have the copy of the check they cashed on XXXX. I called today XX/XX/XXXX and was told they had until XX/XX/XXXX to inform me about their resolution. During all of this, to add to the frustration, their customer service agents have left me on hold for more than 10 minutes and one even hung up on me after having me hold for that long and every time I call I have to go through the entire issue as if they have no record of it. I just spoke with a supervisor and once again was assured I will hear back from her. There has been no return call as of yet.

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 2021-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
J. P. Morgan has two accounts on my credit bureaus that belong to my wife. My wife has a negative payment history on these accounts, so I respectfully request their removal from my credit bureaus. My name is XXXX XXXX XXXX, my wife 's name is XXXX. I would be very appreciative if these two accounts could be removed from my credit bureaus as an authorized user immediately, thank you.

Company response to consumer: Closed with non-monetary relief