vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Sunlight Financial LLC
State: PA

Complaint narrative:
I borrowed {$22000.00} from XXXX XXXX XXXX XXXX located XXXX XXXXXXXX XXXX XXXX in XXXX Alabama XXXX to have 5 solar panels installed onto the roof of my home. Since XXXX of XXXX I have made 32 payments on this loan ( XXXX ). On XX/XX/XXXX SUNLIGHT FINANCIAL sent a representative out to shut of my solar panels, stating that I was in default of my loan.

Previous to this I had been attempting via letters to find out why ( since I had been paying on my loan ) did the principle on this loan decreased {$110.00} in 15 months. XXXX XXXX XXXX XXXX  had been harassing about late fees and I wanted to verify the amount they wanted to charge me along with having them explain to me why after 15 months the principle of my loan ( according to their records ) had come down {$110.00}? 

I wrote XXXX letters to XXXX XXXX XXXX XXXX requesting that they send me information containing dates and payments made to the Principle, Interest and late fees. My first letter was written and sent in XX/XX/XXXX. Since then they have sent me a financial statement without a running balance showing me that late fees were being taken out of the money which I had been sending to pay on my loan. Then it appears that they were then accusing me of not paying on my loan. 

It didn't matter how many times I wrote to request data on the principle and interest of my loan, it didn't matter that two letters were sent from XXXX XXXX XXXX citing my rights under the Fair Debt Collection Act,15 U.S.C. 1692 ( g ) or the Pennsylvania Debt Collection Trade Practices Act, 37 PA. Code 303.7 or the Fair Credit Reporting Act. 15 U.S.C. 1681c. they seemed to thumb their noses at my rights to see what they are doing with the money I am sending to them!

I would appreciate your help in this matter. I feel like they are stealing money from me! Thank you for your time and attention to this matter.

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 2021-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
WELLS FARGO HOME MORTGAGE REFUSED, IGNORED, GAVE NO CONSIDERATION,, ABUSED, USED, AND REFUSED THROUGH THIS WEBSITE AND DOCUMENTATION, OVER THE PHONE OR BY ANY OTHER MEANS ANSWERING MY QUESTIONS AND SHOWING ME THE WET INK, NOT COPY, OF THE ORIGINAL NOTE SIGNED BY ME XX/XX/XXXX. XXXX. 

HOW DO I SUE WELLS FARGO AND HAVE A LEGITIMATE COURT TAKE ACTION AGAINST WELLS FARGO HOME MORTGAGE? 

THE HUD HOUSING COUNSELORS SAID IN THEIR PRESENTATION THAT HUD HAS BEEN SUED OR HE SERVICERS HAVE BEEN SUED... SO I WAN TO SUE WELLS FARGO HOME MORTGAGE AND THE ATTORNEY WHO SOLD MY HOME... OVER THE INTERNET AT AUCTION ON XX/XX/XXXX. XXXX. SOMEONE HAS TO BE SUED. HOW DO I GET REPARATIONS FOR THEFT OF HOME ... AFTER ALL THE QUESTIONS AND REQUESTS FOR PROOF OF A DEBT WHICH WELLS FARGO REFUSED, INGNORED AND IGNORED NUMEROUS TIMES THROUGH THIS TRAVESTY OF A COMPLAINT WEBSIGHT.

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 2021-08-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My XXXX year old daughter is a co signer on my checking account with Capital one On XX/XX/2002 she ordered product from a vendor XXXX XXXXXXXX XXXX  email XXXX payment of {$1500.00} was made for merchandise for her stacked clothing line she was starting through company XXXX Mr XXXX never sent the merchant refuse to communicate with my daughter she disputed charge with capital one back who told her they could not help since payment was sent thru XXXX who have not responded to us regarding the money. 
Capital has reversed provisional credit and wants my daughter to pay this back this was her entire savings she in a XXXX at the XXXX XXXX XXXXXXXX This in wrong XXXX and Capital one Bank are both ripping of this child who is totally devasted by this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: Capital Accounts, LLC
State: OH

Complaint narrative:
Harassing phone calls continue after I requested to stop. Everyday since XX/XX/XXXX. Ive updated my info and explained Id try to pay in full before the end of the month. Yet the keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc.
State: GA

Complaint narrative:
The first dispute occurred while I was on XXXX XXXX for the Military in XXXX and XXXX of XXXX. I was not allowed to use a computer or able to access my mail to pay my XXXX card bill during this time. I made a dispute with all 3 credit Bureau and XXXX XXXX and they refuse to help or remove the error based on the circumstance. My account has been paid and in good standing since then and shouldn't be on my credit report due to the fact that I was not aloud to use a computer per orders from the XXXX XXXX at the time. I have uploaded my orders to this file. 

The second dispute I have is with a company called FIRST FINANCIAL ASSET Account XXXX which was just placed on my credit report as of XX/XX/XXXX. The debt is from a company called XXXX XXXX. They say that I owe them {$1100.00} for a normal physical I had got last year XXXX. A physical that my XXXX insurance should have paid for. Even XXXX shows I had active and valid insurance during this time. XXXX had sent me a bill for this physical for {$260.00}. I made a complaint with them about this because was and issue with my XXXX insurance not being active at the time because I had just got off XXXX XXXX orders in XXXX of XXXX. I ended up paying the out of pocket cost of {$260.00} back in XXXX of XXXX. I uploaded and provided a screen shot of the paid bill and a XXXX balance on my XXXX account per their app. Which is the same cost for the physical that I had one month ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent letters to Equifax Credit Bureaus the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my Credit Reports : XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXXXXXX Balance : {$6200.00} XXXX XXXX XXXXXXXX Balance : {$950.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
XXXX  compromised my identity by a system breach so I moved from XXXX to XXXX. XXXX promotion paid off our phones and we transferred services. I went to the XXXX XXXX CA locations and spoke to the store manager and made the prorated payment as asked. When I left the location I had a XXXX {$0.00} balance. On my credit XXXX ( Convergent ) has been reporting an inaccurate balance since XX/XX/2016 and I have disputed this several times with all 3 credit bureaus. They have sent an inaccurate bill dated XX/XX/2016 to ''provide proof '' to keep this on my credit when it has been paid off. XXXX and XXXX are now sister companies and they need to correct this situation between the 2 of them and remove the items from my credit as it is not my debt and I should not have a negative impact on my credit because of this. This is unfair and illegal to collect more then once on the same bill. 

I have paid companies to clear this up and has cost me hundreds of dollars! I have spent more then the bill because its the principle of the matter!!

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 2021-08-24 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: Atlanticus Services Corporation
State: GA

Complaint narrative:
This company informed me via telephone that if I paid the total remaining amount that the negative reports would be removed because it was a clerical error as to why it was not automatically taken out to begin with. All they did was apologize and not fix the reporting. Dealing with a call center I asked for a research request in regards to the phone call complaining about the fact they weren't collecting my payments as well as the fact that I made a large payment and it was supposed to be deleted completely. Neither of these took place and I've made a minimum a 5 phone calls to get a resolution and I have not received a call yet. It is reporting correctly only because of the fact that their system was not taking my payments nor was I notified of any payments not being received until I reached out to them. The person who notes my account on my credit profile used ALL CAPS when saying my payments were late and attached my ledger of payments to for all lenders to see. This is completely against the Fair Reporting Act especially since they are refusing to pull the call of them being at fault. This is a false narrative of the type of borrower I am and I am completely disgusted as to how I keep being read scripts without any return communication or resolve. Whenever they changed the terms of my contract they did something to my account. They closed it as well before any late payments were made or reported. It's not even reporting consistently throughout the 3 Credit Bureaus.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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 XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
The applicable loan is collateralized by multiple properties. Paragraph 18 states the process for releasing a single property. On multiple occasions over the past month I have requested a payoff statement for the release of one property, specifically, XXXX XXXX XXXX. Representatives of the lender first said that it could not be released, which is clearly incorrect. Next they said that it could be released but send a letter setting requirements or release that are not in accordance with my promissory note. On or about XX/XX/2021, I spoke with a supervisor who, after actually reading the promissory note, told me to ignore the letter and explained that he would expedite it for a correct payoff quote on only the parcel to be released rather than the full loan payoff. On XX/XX/2021, I called back to follow-up. I was connected with another supervisor who said that the first person escalated the matter to the wrong department and so no action had been taken on the request. This new supervisor explained that he was escalating it to the correct department. Unfortunately, I have not way to confirm whether it was done correctly this time or not since each representative or supervisor that I speak with seems to provide a different answer. I need this matter resolved by someone who can review and understand the terms of the note and can provide a payoff to give me the exact calculation of the amount in paragraph 18 ( f ) of the promissory note that is good for at least 30 days. 

I have attached the applicable pages on the note to this complaint. I am happy to provide the whole note, however, the file was too large to upload on this complaint portal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Netspend Corporation
State: NV

Complaint narrative:
I requested and was sent two Netspend Debit cards that did, and, or do have {$1000.00} and {$12000.00} dollars in them repectively. These cards I did activate by telephone, at the Netspend numbers given on the envelope, insert that I got with the cards, and also the number on the cards. The numbers were : XXXX, XXXX and also XXXX. These cards I have been trying to use here in XXXX County, Nevada. I have got several different ATM and tranaction highlight LCP statemnts back ; including Restricted Card, Ineligible Account, No Funds In Account, and salso Incorrect PIN. I know theese print LPC statements to be false, and some times, and most often at all a receipt looking LPC statent is prined just like a receipt woulld be printed for the would be purchacen except that it says DECLINED in bold letters at the bottom or some where near there. The guys from XXXX XXXX XXXX XXXX used to be proliferant at this, and they did it all the time years ago. I suspect that it is them once again. Other dlinined prints and statemnts simply seem to come sometime from a private oerator with a declinator remote. I idnetified his name once as XXXX XXXX near the XXXX XXXX XXXX XXXX restaurant in XXXX, Nevada near the XXXX XXXX XXXX Sore. Please help correct this.

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 2021-08-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: MN

Complaint narrative:
I paid off a XXXX XXXX XXXX lease vehicle by mailing a check and an odometer statement-check was cashed on XX/XX/XXXX in the amount of {$12000.00}. I called on XX/XX/XXXX to check on the status of my title and was told they were missing the odometer statement, I stated I would fax in the one I had, got the fax number and faxed in the document. I called back onXX/XX/XXXXto check the status and was rep confirmed they had received the odometer statement and they were sending an escalated email to close the account and I should receive the title in 7-10 business days. Around XX/XX/XXXX I called when I still had not received the title and was told again they had the odometer statement, the title had not been release and I just needed to wait. I asked to speak to a supervisor. The supervisor stated had the odometer statement and that they would send an email to the titles department requesting the title to be released. I called back on XX/XX/XXXX and the rep told me the title had still not been released, I again asked for a supervisor who told me they did not have my odometer statement and that I should email it to XXXX along with a letter explaining the long wait and for the title to be sent next day mail. The next time I followed up with a supervisor I was told they still did not have the odometer statement and they they don't even have an email to send things too ( basically her or the last supervisor is incorrect ). She also stated that they only accept the XXXX XXXX odometer statement ( glad someone finally told me ). The supervisor also informed me that they can only emailing the title department is the only way they have to contact them ... This seems really odd for such a large company. On XX/XX/XXXX I sent in the Hyundai Motor odometer statement next day mail through USPS and confirmed it was delivered on XX/XX/XXXX in the XXXX. I called on XX/XX/XXXX and XX/XX/XXXX and it is showing as not received. I am not the only person having an issue with this company and titles being released. I found multiple complaints on the XX/XX/XXXXand a news article on XX/XX/XXXXThey are holding customer money for weeks to months at a time. which should be illegal.

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 2021-08-24 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: EQUIFAX, INC.
State: MS

Complaint narrative:
on XXXX, my XXXX XXXX ACCOUNT # XXXX XXXX, was closed on my report and it should be open on the bureaus instead of closed. i paid the balance down, been on time every month, and it drop my score 7 points as well

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
on XX/XX/XXXX, my XXXX XXXX ACCOUNT # XX/XX/XXXX, was closed on my report and it should be open on the bureaus instead of closed. i paid the balance down, been on time every month, and it drop my score 7 points as well

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 2021-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I have a PNC Prepaid card and i have been receiving my unemployed benefit on it for two months now, Just today when my Money got deposited they have close my card and have taken the money too they should at least let me have my money withdraw at the atm and close it completely but rather took everything and the funds is XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
On XX/XX/2021 I submitted a support request to Coinbase ( coinbase.com ) in an attempt to regain access to my account there.

After over half a year of emailing and multiple support/complaint case numbers, I still have not regained access to my account.

I have attached all emails I sent/received Support case numbers : # XXXX, # XXXX Complaint numbers : # XXXX, # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Unauthorized reporting and inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
On XX/XX/XXXX I paid off 1 credit card but didn't close it. On XX/XX/XXXX I received a notification from XXXX XXXX  that my score dropped 118 points on the day it was reported to TransUnion. I contacted XXXX XXXX who referred me to TransUnion then TransUnion told me to contact XXXX  XXXX. I can't get an answer as to why my credit score dropped. TransUnion would only say that there was a deragorty remark on my report but that has been on there since 2015 it's not a new remark. The only thing say said is credit reporting is like a secret recipe and different factors go into the report. The only thing that changed on my report in XXXX was paying off a credit card. Why pay anything off if you can't trust the agency reporting.

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