vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
To Whom It May Concern, I have proof from my banking institution that my mortgage holders successfully received every payment in full through to this date. When the previous mortgage company, XXXX XXXX, changed hands to Shellpoint, my ongoing problem began on XX/XX/XXXX. 

Shellpoint has consistently, month after month, claimed I was a month behind in my mortgage payments, charging me a late fee and affecting my credit. I have regularly called and written to Shellpoint to provide adequate proof of every payment they have questioned thus far. Shellpoint never assigned a solitary account representative to work with me to see this through to a resolution. The response is always, if you have any further questions, feel free to reach out to us. 

In our last communication dated XX/XX/XXXX, Shellpoint responded : that they rectified the XXXX payment in question, but now XX/XX/XXXX, was made in short, which is not the case. This situation has been ongoing for over a year now. I can not continue to go through this anymore. Shellpoint continues to give me the runaround. Shellpoint has yet to claim the missing payment ( since there isn't one ) but continues to charge me late fees. I made all of my mortgage payments on time. 

Regarding the XX/XX/XXXX payment that I made to XXXX XXXX, I sent a partial payment to match the funds in my Suspense account. In XXXX, the following statement from XXXX XXXX showed the XXXX payment I made was payment in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I sent a verification letter certified to XXXX XXXX XXXX. on XX/XX/2021 asking them to verify this debt of {$1900.00} but they failed to respond.

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 2021-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I placed a limit order for a virtual currency ( XXXX XXXX ) in the amount of approximately XXXX . I later cancelled this order, the order still shows as being open and I don't have access to my funds or the currency. If I try to cancel it it says order not found. I have reached out to the company ( coinbase ) multiple times and have multiple tickets. Each time they reply saying the problem is solved in a generic email but it is not. For 3 days now I have lost access to my XXXX $ with no contact from their company

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I mailed a Coupon/Bill of Approval on XX/XX/2021 via certified mail and return receipt to the CFO and Registered Agent. Both were delivered on XX/XX/2021. Pursuant to UCC 1-202 ( f ), upon receiving these notices, they were hereby notified. Whether they accept or not the coupon which is a negotiable instrument, it is discharged upon receipt pursuant to UCC 3-603. Whether they accept my negotiable instrument or not they have to XXXX out the balance and mail me a check for the remaining balance. Up until today, I have not received anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Long & Foster Financial Services, Inc.
State: CO

Complaint narrative:
I refinanced my XXXX  ( just under {$700000.00} ) with XXXX XXXX, closing in XX/XX/2021. I made XXXX payments to Prosperity ( XXXX, XXXX, and XX/XX/2021 ) when I received information from XXXX XXXX XXXX XXXX ( XXXX  ) that my loan had been sold to them. I registered on their website for automatic payments in mid-XXXX but noticed that my XX/XX/XXXX payment didn't appear on my bank website. When I checked my XXXX  account on their website, it showed I was delinquent for XXXX, despite the fact that I paid XXXX in full to Prosperity. I called XXXX on XXXX XXXX and reported the problem. They said they would look into it. They said it looked like Prosperity had transferred the principal amount of my payment, but not the interest. I also reported this to XXXX  XXXX the same day and received an email saying they would investigate. On XXXX XXXX, I received an email from XXXX XXXX  ( with whom I have another loan ) reporting a negative report on my credit record. XXXX filed a delinquency for the full amount of the loan balance 12 days after I reported their error to them. I have been working with them since them but they have failed to remove the erroneous delinquency report from my credit record, causing my score to drop to very poor score. This seems to be a blatant violation of the Real Estate Settlement and Procedures Act, Section C ( 1 ), which provides for a 60-day grace period for reporting to credit bureaus. I have been in contact with XXXX XXXX from both Prosperity and XXXX but they have not removed this erroneous report from my credit record. I have made all payments timely. I am attaching email correspondence with XXXX XXXX showing that they acknowledge the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I originally started the application process on XX/XX/21 and was given the Loan Estimate with XXXX XXXX  of {$2300.00} on XX/XX/21. 
XXXX XXXX NMLS # XXXX was the Loan Officer from Loan Depot that started my application and locked in the details of the loan. It was interesting how he wanted me to commit to a home value ( I'm no expert and they still have to do an appraisal anyway ) in order to lock me into the loan terms ( which they later change and charge more if the appraisal fails the numbers you gave them ). This behavior in itself is setup to take advantage of you by changing the terms once the appraisal is done. Also, I had closed a loan ( Closed on XX/XX/21 ) previously with Loan Depot and the appraiser mentioned how afraid he was of any legal action from Loan Depot for reporting on the 'real " current market rate ( a current seller 's market ), knowing Loan Depot would take legal action against him or may not use him again, if his appraisal changed in a year. This practice and behavior forces a lower than standard appraisal from the appraiser, every time. 
Back to the Lender Credits ... after requesting all updates to my Loan Estimate be communicated to me with what the update actually was ( I requested this via voice and email ), Loan Depot would not comply with this request, so I was left reviewing and trying to spot the differences between Loan Estimates each time and having to figure out what the changes were. This setup and behavior, in my opinion, is a great way to set the borrower up for hidden 'bait and switch ' tactics which would go unnoticed due to many Loan Estimate updates being provided by the electronic system and only a 'viewing ' confirmation needed in order to XXXXconfirm ' approval. Whereby, the borrower, who has spent the last month or longer waiting for closing to be scheduled would forgo last minute $ $ changes in order to get to a closing. They really get you when they have you by the short hairs. 
For me the 'bait and switch ' occurred on the Loan Estimate dated on XX/XX/21 whereby, all of a sudden, my XXXX XXXX was now {$1000.00} ( a full {$1200.00} less ). I noticed this immediately and called the current Account Manager, XXXX XXXX who immediately sent out an email internally to managers and XXXX regarding this. The following day XXXX called me and admitted the error was on their part ; however, there would be no change in the Lender Credit. I told him this was a bait and switch and asked about speaking to his manager, which he replied, that would not be necessary. I told him I was cancelling this loan. He said he was refunding my Appraisal cost ( which yet has to be returned ). 
Thank XXXX for a few other Lenders Ive talked with who told me to go on CFPB to write this up and make a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
A checking account with Chase bank was opened in my name without my permission. I found out after receiving a debit card in the mail on XX/XX/2021 I called their customer service line immediately, to report the fraud and I was kept on hold for 3 hours and no one responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
On XX/XX/2021 I closed my Barclays Bank credit card account. The representative assured me I had a XXXX balance and that the account was closed. I cut up the card. XX/XX/2021 I routinely checked my credit report and my credit went from XXXX to XXXX. I researched and found the closed account was reported as non-paid. Apparently from talking to multiple representatives at Barclay Bank, a charge of {$5.00} had been placed on my account after my closure. For 9 months Barclay Bank did not inform me of the charge, and kept charging interest and penalty. Prior to closing the account I insisted on my bills being sent in the mail, so I'd have a hard copy. I did not receive either a paper statement or an email statement. Three representatives from Barclay agreed with my assessment, an escalated it in the Barclay hierarchy. I understand mistakes and after 35 years of perfect credit I felt this was very simple. I also appealed to the three credit report companies, sending copies and explanations. I continue to receive form letters from Barclay saying their decision stands and they refuse to even hear my case. My case number at Barclay Bank is XXXX. Please help me. I know I'm a small customer, but this credit rating has really hurt me. I've never had a delinquent bill, and frankly, I did not make a mistake. I'm sure you have Barclay contact, but I was furnished with XXXX XXXX XXXX, XXXX, DE XXXX. I stand ready to answer any questions and will freely engage with anyone who will contact me. Thank you, please help.

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 2021-10-30 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:
I have notified you several times that I have been a victim of identity theft and these are still being reported. Please review the attached FTC report and delete this fradugelent information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I found numerous fraudulent accounts under my name showing on my credit reports. AWA Collections did not take my identity theft reports seriously and kept reporting false information and harming my history and also being abusive. I gave them a call and the employee was extremely rude and never tried to help. This company is avoiding legal documents such as Identity Theft report and/or Police Report and making my way of recovery even harder.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDICO. INC
State: SD

Complaint narrative:
On XX/XX/2021 I received a vague threatening letter from CCB ( Credit Collections Bureau XXXX XXXX XXXX XXXX XXXX, SD XXXX ph # XXXX XXXX XXXX ) saying that I owed them money. There was a vague charge listed on the back of the bill of an amount of a supposed medical bill from a hospital with no date of when these supposed charges occurred. There was also a separate charge of " interest '' with a huge amount, almost as much as the principle, supposedly owed. ( Medical bills do not accrue interest and the hospital doesn't charge interest on medical charges. I called the hospital and asked. ) The hospital didn't know what charges I was referring to, and said they don't charge interest on medical bills. ( I didn't pay any medical bills on credit cards the supposed medical bill charge came right from the hospital. ) I called CCB on XX/XX/2021 and was hung up on multiple times by CCB reps when I asked where and when the charges originated from and where and when the supposed interest charges came from. The CCB rep hanging up on me is CCB admitting guilt of making up charges and trying to scam me. I finally did get two scam reps to speak with me, one quite threateningly, who I spoke to lastly. The first scammer rep of CCB I spoke to described how CCB 's scam works. The CCB rep admitted to me that CCB makes up " charges '' and then " assesses '' fraudulent " interest charges '' to every " account '' and then CCB reps try to collect on it. The CCB rep then tried to collect the fraudulent " charges '' from me, and when I refused he hung up.

I called back and talked to a different rep of CCB. The scammer rep of CCB on the phone then threated to sue me if I didn't pay the whole " bill '' by phone right away. He then thre
ated me, saying he would add more " interest '' to the " bill '' if I didn't pay the full amount " owed. '' The CCB rep then stated that CCB will ruin my credit if I don't pay. When I refused to pay, the CCB rep hung up on me. Both CCB reps I spoke to said that managers " were busy '' and refused to transfer my call. 

I called CCB again the next day ( XX/XX/2021 ) and was hung up on. CCB reps hanging up on me is CCB admitting guilt of making up fraudulent charges and trying to collect them. It is an admission of guilt on CCB 's part. 

I called CCB again the next day ( XX/XX/2021 ) and spoke to a CCB rep who confirmed this is how CCB operates and when I said that CCB is ruining my credit, the CCB rep stated on the phone about CCB, " it is always their fault. '' " It's always their fault. '' This CCB rep openly admitted twice that CCB scams victims all the time and ruins the victim 's credit. When I asked to speak to a manager the CCB rep said he would " place notes on my account '' and then he hung up on me without transferring me to a manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc.
State: PA

Complaint narrative:
XXXX signed up a contract on recorded line. I was promised {$49.00} a month with free {$150.00} visa card and free XXXX XXXX XXXX for 1 year. The price would then go to {$64.00} the 2nd year. After signing up I was never sent the visa card and charged the FULL MONTHLY amount for XXXX XXXX XXXX instead of free.. I tried rectifying more than a dozen times with XXXX. They refused to fix the error and would not playback the recorded conversation when the order was placed. I went through upper management several times, they would not fix the error. I canceled my service and requested a refund, they denied the refund. I stopped payment and told them I would pay the promised monthly fee but XXXX said no. This was a BLATANT bait and switch and did not deliver the promised merchandise. Since then they have been sending creditor after creditor to try and ruin my credit. This time it is Franklin Collection Services who had once again reported an erroneous debt to the Credit Agency 's. I WANT THIS REMOVED AND THE CHARGE COMPLETELY ENDED!! I NEVER RECEIVED THE PROMISED MERCHANDISE OR SERVICES!!!.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: MD

Complaint narrative:
I have recently pulled my XXXX consumer report and notice accounts that have been investigated and deleted by another credit bureau and still being reported by TRANSUNION. Attached to this letter is proof that these accounts were deleted by XXXX. They just need to be deleted in order to show my true credit history.Attached is the copy of the credit report from XXXX with the accounts being deleted as well as a copy of my drivers license and social security number.Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-10-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF HAWAII CORPORATION
State: NM

Complaint narrative:
My husband was allowed to open a account while closing another ( that was joint ) but the funds were in both of our names. How can that happen?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: ENOVA INTERNATIONAL, INC.
State: MI

Complaint narrative:
I made a payment every month and its telling me that I didnt. Also showing two different available credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I recently purchased an SUV, the asking price was almost XXXX. But after adding interest, I will be paying XXXX for a 2014 car. my credit is the the greatest, but I have been improving it. I have a car now that is almost paid for, And out of four years I have not been late, other then one time. And that due to Covid-19. I was out of work for two months. I also have two credit cards that I have never been late on. I really feel like I should have received a better interest rate. My opinion! I feel like my race may have played a role in the very high interest rate I got. The date of the transaction was XXXXloan company Santander Consumer USA XXXX XXXX XXXX XXXX, TX XXXX XXXX Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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:
I have notified you several times that I have been a victim of identity theft and these are still being reported. Please review the attached FTC report and delete this fradugelent information from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XX/XX/2021, I went to sign the closing documents for my new Escalade at the XXXX XXXX XXXX dealership in XXXX XXXX, TX. I ordered a custom XXXX in XX/XX/2021 and was pressured to go sign all the documents so that everything would be ready for when my XXXX arrived. I was told that no loan would be executed until I had possession of my car and that my car would arrive within 10 business days. Now, It is XX/XX/XXXX and I still do not have my car and no one has any idea when I will get my car. Not the dealership, not Wells Fargo, not even XXXX knows. Wells Forgo wrongfully executed the loan without ensuring that I had possession of the car. They prematurely exercised a loan that I am now paying for without a car. Now the dealership has no incentive to fulfill their end of the deal because they have collected their money. Wells Fargo is currently billing me and profiting off of the interest I am paying. I am left in a disadvantage position with a hefty monthly car bill. A car I have never seen. I have called Wells Fargo to let them know. They said they were under the impression I had the car and would launch an internal investigation. It has been over 5 weeks since I spoke to Wells Fargo and they have not gotten a response to me. I will also be filing a complaint against the dealership, 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 non-monetary relief