vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I have an equity line of credit with a face amount of $ XXXX, which is presently in the repayment period with a current balance of {$100000.00}. 

On XX/XX/XXXX servicing was transferred from XXXX to Shellpoint Mortgage. 

Over the last 6 weeks I have called Shellpoin Mortgage customer service at least once a week, filed 2 complaints and sent a written request on XX/XX/20 to address the issue described below, and have not been able to resolve my concerns/issue. 

This ELOC is a variable rate loan priced at Prime + 2.5 %. The note specifies that the rate will be reset monthly ( in alignment with the billing cycle ) based on the WSJ prime rate in effect. 

The current effective rate reflected on-line and on monthly billing statements is 7.25 %. This would imply a current prime rate of 4.75 %. 

The WSJ Prime Rate is currently 3.25 % and has changed as follows : XXXX. 4.75 % XXXX. 4.25 % XXXX. 3.25 % Based on the above, the current effective rate on my loan should be 5.75 %. The effective rate should have changed in the XXXX billing cycle by at least .5 %, and possibly 1.5 % ( depending on the cutoff date for the billing cycle ) and should definitely have been reduced the full 1.5 % by this most recent cycle. Based on the current balance, this issue is resulting in an over accrual of approximately {$130.00} per month. 

I have lost confidence that Shellpoint Mortgage will resolve this issue without intervention by the CFPB.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Submitted complaint on XX/XX/20 about a collection being placed on my credit report. I was never given the option to dispute before it was on my report. I requested debt validation and never received the validation after 30 days. This should be removed as they failed to verify in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items 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 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items 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 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CHECK INTO CASH INC.
State: IA

Complaint narrative:
In XXXX, I had taken out a payday loan with Check into Cash. It has always been a soft inquiry on a credit report and they tell you that it will only be a soft inquiry. 
In XX/XX/XXXX, I had applied for a credit card and was denied because of to many inquiries on my XXXX report. After looking into it, I found out that I had two hard inquiries from Check Into Cash from XXXX, one in XXXX and one in XXXX. 
In XX/XX/XXXX, I went to the store, and was needing to do it again. I asked the ladies at the store about the hard inquires and they insisted that it should never be a hard inquiry and that some other people were having issues with this also. After taking out the loan, I got a notification about an inquiry on my report. Sure enough, it was a third hard inquiry from Check Into Cash. 
When I went in to pay off the loan, the lady said that she had spoke with her boss and any problem on the credit report was on XXXX 's end. I contacted XXXX and they wanted a letter from Check Into Cash stating the inquiries should not be hard. Check into cash sent a letter about the XX/XX/XXXX inquiry, but not the other two. XX/XX/XXXX has now gone off but the other two still remain on there. 
This has had a negative impact on my credit score for the last two years, and I would like to get this issue resolved for me and anyone else that this has affected. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$460.00} XXXX XXXX {$250.00} XXXX XXXX  XXXX {$430.00} XXXX XXXX {$1000.00} XXXX, XXXX XXXX {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: PRESTIGE FINANCIAL SERVICES INC
State: VA

Complaint narrative:
In 2015 I entered into a payment plan to pay off a roughly {$11000.00} balance to Prestige Financial for a car I had to voluntarily have them repossess during my divorce. Since I have paid nearly {$11000.00} from what I can gather from my banking records. I have phoned them several times asking for statements and paid amounts and they told me they do not send out statements on " charged-off '' accounts. This morning I spoke with XXXX in their recovery division and she informed me that I still have a balance of {$9000.00}. When I challenged that and asked how, she said I signed a contract for {$38000.00} etc. I told her that contract was not the one in question, that was the original contract. The things that followed is what I am concerned about. They took possession of the car, sold it at auction, I had already paid the principal down through the 2 years of payments when I owned it, they got a judgement against me and I entered into a payment plan for {$11000.00}. Today I was dealing with an {$11000.00} debt that she informed me still has an additional {$9000.00} owed after 5 years of paying on it. I do not understand how that is accurate or legal. I can not afford another 5 years of paying for a vehicle I no longer own. I am laid off due to COVID-19 so I requested they remove me from the payment plan since I can't afford it right now. I need help. How is this legal??? They charged off the account, sold it and now they can recover {$20000.00} on an {$11000.00} debt due to interest????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Dear Sir or Madam : I am writing today to submit two complaints concerning Wells Fargo Card Services. 

During XXXX, I spoke over the phone with representatives from their Credit Dispute Department and their Recovery Department on four separate occasions regarding this account. During three of the four interactions, I was incorrectly informed that a 1099-C was pending. During three of those calls, no one could offer me an estimated time for how long this pending action would take. Finally, on XXXX XX/XX/XXXX, when calling for the fifth time, I was once again told that the 1099 was pending. After disagreeing that that could be possible, the representative investigated more deeply and discovered the truth : that on XXXX XX/XX/XXXX, the 1099 was mailed out ( though I never received it ) and had never been pending during any of those phone conversations. Upon my request, the representative mailed me a new copy of the 1099-C. 

My first complaint, therefore, would be poor record-keeping ; Wells Fargo consistently provided incorrect information, only finding the answer after I insisted that something was amiss during a fifth phone call over the course of 14 months. 

My second complaint involves their policy concerning how they report this account to the credit bureaus. They have continued reporting the account as charged-off with a balance due of {$5900.00} every month following the issuance of the above referenced 1099-C for tax year XXXX. Unable to resolve this reporting over the phone, I submitted a dispute to all three credit bureaus XXXX XX/XX/XXXX, but Wells Fargo stands firm that they are reporting correctly. 

Well Fargo is forcing me to declare {$5200.00} as income while simultaneously reporting that written off amount on my credit report, severely damaging my credit score. The issue here is that I am legally obligated to pay taxes on the above amount as income, which Wells Fargo has written off. Simultaneously, they claim that I owe them this written off amount. Such action unjustly doubles the debt to which I am responsible, an outcome not legally acceptable. One can not be punished for the same crime twice and one can not owe the same debt twice. 

I appreciate your assistance with these issues.

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 2020-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: VT

Complaint narrative:
I got a letter from Convergent debt collections that I owed XXXX XXXX  {$100.00} for a bill dated XX/XX/XXXX for an apartment I had moved out of in XX/XX/XXXX ( at which I point I began using XXXX XXXX ). Also, I had moved out of TX in XX/XX/XXXX ( nine months BEFORE the bill date ). 
I have been in contact with both organizations and have not received any beneficial communication.

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 2020-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I had a credit card through Comenity Bank, which was charged off back on XX/XX/2015. It was a credit card for the store XXXX, which went out of business. My credit limit on this card was around {$300.00}. I have been dealing with XXXX XXXX XXXX, XXXX since then. I have tried to reason with them, stating that there is no way I owed {$1100.00}, as my credit limit was not that high. They have refused to discuss this with me. I just received a fraudulent credit card statement from XXXX XXXX with a statement showing I owe {$1100.00}. This statement was fraudulently created by XXXX XXXX. It shows on the statement ( attached ) that it's from XXXX, this is a complete lie and a fabricated document made by XXXX XXXX. I demand this account be removed from my credit report and XXXX XXXX investigated for their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There's an item on my credit that needs to be removed as soon as possible. This item is fraudulent account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this from my report : Company inquiry : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: FL

Complaint narrative:
See attatched XXXX IRS FORM 1099-C CANCELLATION OF DEBT MC end XXXX XX/XX/XXXX. DEBT DISCHARGED XXXX see attatched XXXX Confirmation of Settlement XXXX XX/XX/XXXX CONFIRMS on XX/XX/XXXX SETTLED ** A YEAR LATER. THAN XXXX?? This debt is considered as " settled for less than full balance '' and was ( ** reported accordingly to the credit bureau agencies. ) XXXX HAS DESTROYED MY CREDIT FOR YEARS. XXXX COLLECTS ID REP XXXX DEMANDING PAYMENT MADE TODAY. This account shows sold on CRA Reports. It was Opened XXXX & shows a different account number on Equifax Report. 
This account is NOT OWED OR DELIQUENT!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: FL

Complaint narrative:
I have previously contacted Fedloan in the years past and notified them of the incorrect reporting but updates were never made to correct their reporting. XX/XX/2016, my area was affected by hurricane Matthew and forbearance was requested ; however, Fedloan continued to report late pays. Also reporting was incorrect prior to the forbearance request- they reported 2 -90 day lates 2 months in row not notifying me the accounts were 30 or 60 days late prior to reporting 90 day lates for 2 consecutive months. FedLoan is reporting these inaccuracies across all 3 bureaus. The incorrect reporting occurred from XX/XX/2016 to XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express wont give my my negative balance back ( need for rent and for other card debt ). They told me that they can wire it to me once the balance is below XXXX. It would be quicker than mailing a check. I said great. 
Then it became 3-5 business days.After memorial day, i check back, they are now saying 12-15 business days. 
I will have to choose between missing a credit card payment, or skipping rent. 
This is not morally right. 
Wire transfers are almost instant. 
This seemed at first an AP days stretch of 3-5 business days.

Now its 12-15 ... and im going to default from this 'anomaly ' Card ends in XXXX ( amex magnet )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-26 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I used Citi Visa ( branded COSTCO ) to make a deposit on a XXXX XXXX ( # XXXX sailing XX/XX/XXXX voyage XXXX ). I made this deposit using Citi Visa credit card on XX/XX/XXXX. 
Cruise was cancelled XX/XX/XXXX due to the current Corona crisis. XXXX stated they would refund. Eventually. 
Citi has now stated that my charged deposit was too old and they were out of the time period for Federal Protections for consumers. I should handle it myself. Nice attitude by Citi. 
I have again contacted the XXXX line but get a recording only. Overwhelmed etc per recording. 
Citi has the charge card commission money and XXXX has my money. 
I am the only one holding the bag.

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 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There's an item on my credit that needs to be removed as soon as possible. This item is fraudulent account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this from my report : Company inquiry : 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 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There's an item on my credit that needs to be removed as soon as possible. This item is fraudulent account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this from my report : Company inquiry : 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 2020-05-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with fraud alerts or security freezes — 
Company: Santander Consumer USA Holdings Inc.
State: DE

Complaint narrative:
XX/XX/17 {$3000.00} I took a lost I have a balance on my credit that is not correct

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received an old bill for XXXX XXXX XXXX XXXX in XXXX, FL. I never received the original bill as there were a plethora of mail related issues. I called the number on the bill XXXX and spoke with billing. I explained that I would like to take care of my bill for the physician, XXXX XXXX. The billing XXXX, XXXX, stated he no longer worked there and his private practice was dismantled when he joined a new department. She said all of the medical bills for the practice had been written off, and to disregard the bill because it was no longer valid. She also added they never notified patients in writing about disregarding the bills but if they called, they were notified over the phone.

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 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
In XXXX, I had taken out a payday loan with XXXX XXXX  XXXX. It has always been a soft inquiry on a credit report and they tell you that it will only be a soft inquiry. 
In XX/XX/XXXX, I had applied for a credit card and was denied because of to many inquiries on my TransUnion report. After looking into it, I found out that I had two hard inquiries from Check Into Cash from XXXX, one in XXXX and one in XXXX. 
In XX/XX/XXXX, I went to the store, and was needing to do it again. I asked the ladies at the store about the hard inquires and they insisted that it should never be a hard inquiry and that some other people were having issues with this also. After taking out the loan, I got a notification about an inquiry on my report. Sure enough, it was a third hard inquiry from XXXX XXXXXXXX XXXX. 
When I went in to pay off the loan, the lady said that she had spoke with her boss and any problem on the credit report was on Transunion 's end. I contacted TU and they wanted a letter from XXXX XXXXXXXX XXXX stating the inquiries should not be hard. XXXX XXXX XXXX sent a letter about the XX/XX/XXXX inquiry, but not the other two. XX/XX/XXXX has now gone off but the other two still remain on there.

This has had a negative impact on my credit score for the last two years, and I would like to get this issue resolved for me and anyone else that this has affected. 
Thanks

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