vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This inquiries don't belong to me. Please remove this from all 3 credit reporting agencies. Please see below the inquiries that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft CAPITAL ONE BANK USA Inquiry Date XX/XX/2021 This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21 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: Selene Holdings LLC
State: CA

Complaint narrative:
My Home loan service company was XXXX XXXX  until XX/XX/XXXX. In XXXX they transferred my file to a new servicing company name is Selene Finance. 
XXXX XXXX had this loan under the file number XXXX. This loan has been totally paid off on XX/XX/XXXX. 
The Selene Finance has mistakenly reported this loan " more than 180 days late '' to all 3 Credit Bureaus which is false! I have been on forbearance plan with XXXX XXXX  from XX/XX/XXXX up to XX/XX/XXXX ( The agreement & the extension letter are both attached ) and the loan been paid off before end of the may, so how possibly I could be late? As the result of their mistake my credit score decreased from XXXX to XXXX today. 
I have called both XXXX & Selene and asked them about this and both accepted this was a mistake but they say it may take up to 60 days to finish their own investigation and send correction to the credit Bureaus. 
Problem is I am in the middle of applying for another home loan and the lender just received my poor credit score and denied my application.

I am very upset with these two financial institutions and want you please let them it will have sever consequences to play with peoples life. They have to send the correction to to the 3 Credit Bureaus ASAP.

Thank You, P.S. I am XXXX XXXX and I am the owner of this account. I once used this account to file a complaint for my ex wife XXXX XXXX, but now I see the account comes under her name which is not correct. Please make necessary correction and put my name as the owner of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: MA

Complaint narrative:
HI PRA ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Central Mortgage Funding, LLC
State: MN

Complaint narrative:
We did a refinance and credit cards were added to the payoff without our knowledge. So for 2 weeks we have tried to contact 2 different people that we worked with. Nobody has helped us or returned our calls to fix this. The title company sent 3 checks. For these payoffs, problem being they are/were already payed off and we had no knowledge of them being included on the loan we were never told. Now we have 3 checks sitting in the house that we cant do anything with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
This is the third complaint about Pentagon Federal credit Union to the consumer finance. We have been trying to refinance our second home since XX/XX/2020, all we get is excuses and promises that they are working on it. Nine months to do a refinance for a company that already holds the note on our home is way too long. 
After multiple appraisals multiple credit checks jumping through every hoop they can think of they asked us to do we did, this is out of hand we understand they do not want to sell us a loan at a lower interest rate due to they will lose money but they are the ones that gave us the advertisement and told us to apply now. 
We have been handed off to multiple loan processors who said that the paperwork has been lost and they need to start over again. When will this stop?? please lets wrap this loan up weve done everything you ask were been very patient this is just ridiculous.

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 2021-06-21 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo Dealer Services has started back reporting against my credit again after they were not to report anymore regarding my used auto loan due to fraudulent accounting activity was found against WFDS. My account number was XXXX. Loan number : XXXX My original complain was placed against Wells Fargo Dealer Services starting back since XXXX. WFDS stole multiple payments that were made by me and not applied towards my auto loan, fraudulently placed High Risk Auto insurance on my truck when I had full coverage on my vehicle without my knowledge. Wells Fargo Dealer Services was charging me for it through my auto loan. They had also set up an unknown interest bearing intrest account in my name with out my knowledge. Moreover, WFDS handled the accounting practice fraudulently by not applying my auto payments towards the loan but placed my payments in that unknown interest bearing account without my knowledge and tried to say they never received my trucknoayments and tried to excelerate on me to repo my truck and more. 
CFPB Complaints number XXXX dated back XXXX - XXXX. 
Consumer Financial Protection Bureau : XXXX Office of Comptroller of Currency Case ID # : XXXX. 
OCC Case # XXXX While I fought against Wells Farg Dealer Services fraudulently stealing behaviors an investigation found that WFDS acted fraudulently. 
I was awarded my truck title. I have been receiving compensation through the class action brought against WFDS. 

Resolution : Stop reporting to all the credit bureaus on this fraudulent closed account. This is causing my credit score to be lowered dramatically. 

Attached proof for your review

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 monetary relief
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Express Collections, Inc.
State: MO

Complaint narrative:
I have been disputing this debt since XX/XX/XXXX with the Bureaus for reporting inaccurate information and since XX/XX/XXXX with the collection agencies. I requested for validation of the debt and sent me a unsigned contract and did not send all the requested validation documents and continue to report this information on my credit with EXPRESS COLLECTIONS. I asked for additional documentation and they just continue to ignore. Attached is the documents that they sent and an unsigned contract. They are violating my consumer rights! 

Express Collections responded back on XX/XX/XXXX under complaint ID XXXX and stated that they had my signature via docusign that's why it was not presented on the original contract ; However they STILL DID NOT provide the docusign signature which I can compare signatures to my Driver 's License signature. If this information is not sent via mail within 10 business days I will be filing a complaint with FTC, XXXX  and local attorney general 's office along with consulting with an attorney!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Fraud Claim with Bank of America To Whom it may concern, This letter is to address a claims that I have requested for appeal in XX/XX/XXXX. Back in XX/XX/XXXX, I mailed check no. XXXX for {$1200.00} to my landlord. The check was pay to the order of : XXXX XXXX XXXX, {$1200.00}, the amount of my rent with that landlord. This has been the amount beginning in XX/XX/XXXX. 

My check no. XXXX, was intercepted by someone who removed the Landlords name and added their name as the recipient of the payment. I did not make the check payable to the person that cashed it. The hand writing on the pay to is not mine handwriting. 

For this Check Fraud reason, I originally file a claim with BOF. On XX/XX/XXXX I received a bank transfer from my old BOA bank account ending XXXX, to my new account ending XXXX for the money stolen by the person who deposited and stole my check no. XXXX. At the time I was under the impression that BOA had resolved my problem but on XX/XX/XXXX BOA took back my money. 

Check no. XXXX was a personal check with my name and address that I signed and mailed to my Landlord. As per the information provided by the claims fraud specialist in the BOA location at XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX, the check was deposited on a XXXX XXXX by the person who stole my money. That recipient of my money is the person that needs to be investigated for fraud and force to return the money. 

Please take in consideration this information regarding my claim with Bank of america, for check fraud. In all fairness and as consumer of a service by BOA for many years, I do not deserve to lose my hard earned money.

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 monetary relief
Consumer complaint received 2021-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
We refinanced our home with XXXX XXXX  in XX/XX/2021. We received a notice dated XX/XX/XXXX that the MSRs had been sold to Fay Servicing. We received another notice dated XX/XX/XXXX requiring us to establish an escrow for homeowners insurance. Fay had no right to do this, because ( a ) no escrow was required by XXXX, and ( b ) we were not in default of our obligation to pay XXXX for our homeowners insurance ( i.e., our insurance was effective, as required by the mortgage ). We called Fay to fix this, and were told that if we provided proof of insurance, they would not require the escrow. We reached out to our insurance broker, who said he would send a copy of the policy and added that he would call Fay to discuss/confirm. We followed up to ensure he did so. 

Oddly, we were separately advised by XXXX that Fay had paid a {$79.00} charge on our account on XXXX XXXXa charge for which we had not been billed at that time and which we paid in due course on XX/XX/XXXX ( before we knew Fay had paid ).

This complaint arises because Fay called us XX/XX/XXXX ( we did NOT receive written notice ) to tell us that ( a ) we were obligated to reimburse Fay for its {$79.00} payment of XX/XX/XXXX, and ( b ) if we did not reimburse them immediately, they would start an escrow as of XX/XX/XXXX. Fay erred in two ways. First, they did not have the right to make a protective payment for the insurance, since our insurance had not lapsed and there was no reason to believe it would lapseparticularly because we had not been given an opportunity to pay the additional amount. Second, since they made the payment and knew that our insurance was effective, they had no right to use the threat of establishing the escrow as leverage to get us to immediately pay the {$79.00} ( manufactured ) deficiency in our account with Fay.

Of course, we did pay it, because thats what citizens do when threatened by an aggressive debt collector. But we also have the time and industry knowledge to know that Fay acted inappropriately here. We are not RESPA
experts, so we can not say whether Fays practices were illegal. But I can assure you that Fay is taking advantage of other customers in similar ways, since we spent quite a bit of time explaining to them why this sequence of events was problematic, and they really didnt care. 

We would greatly appreciate your investigation of this matter. We will make a similar complaint to the appropriate authorities in Maryland. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Telerecovery Corporation
State: LA

Complaint narrative:
Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$270.00} Reason : Identity theft Please remove this from my credit report. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$93.00} Reason : Identity theft Please remove this from my credit report. 
Account Name : TELERECOVERY Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$61.00} Reason : Identity theft Please remove this from my credit 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 2021-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: CA

Complaint narrative:
On XX/XX/2021, I noticed a derogatory mark on my credit file for a medical bill from OUTSOURCE/MEDICREDIT INC for {$62.00} However, I have not received any communication from the company regarding any outstanding medical bill or any debt incurred. 

I phoned them and discovered they had outdated information regarding my address and phone number. 

I immediately paid the debt and explained that I never received any information from them regarding the debt. They still refused to remove the mark from my credit file. I believe this is unfair and illegal predatory behavior to collect a debt that I have no information on but is consequently hurting my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have tried to reach out and take care of this matter and yet it still remains on my credit report. This company ( FOCUS FINANCIAL, XXXX ) whom, I have never done business with does not have a written contract for me. And I need this removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: M&T BANK CORPORATION
State: NY

Complaint narrative:
i am having a problem with a purchase that was made on my account for a product from XXXX that i return and still have not received my refund {$170.00} and i return the item back to XXXX and i still have not received a refund for this purchase i contacted M & T Bank Filled a Dispute for this Transaction on XX/XX/2021 and M & T Bank has not resolved this situation or provide me a provisional credit for this Disputed Transaction {$170.00} i contacted XXXX several time about this issue XXXX Told me that i was already refunded for this return purchase but for some reason i still dont see the money back on my Credit Card

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 2021-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
the company that is not responding are : XXXX XXXX XXXX XXXX I have written and mail out validations and complaints to the 3 bureaus and the creditors to validate these inaccurate and I have yet received a response from these companies to in letter form to show case my debt. I sent letters out on XXXX and XX/XX/2021 to validate and to reinvestigate these inaccuracies and yet I still haven't received any letters.

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 2021-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
On XX/XX/2020 I authorized PNC bank, custodian of my Health Savings Account, to pull {$3000.00} from checking account at XXXX XXXXXXXX XXXX. On the XXXX two micro pulls were conducted successfully to ensure that correct routing and account numbers provided. These two micro pulls were immediately refunded back to my checking account The next day, XX/XX/2020 {$3000.00} was pulled from my checking account with ACH transaction # XXXX and applied to my XXXX account. On XX/XX/2020 I received an Email from PNC bank stating. 

" Please be advised that your deposit amount of {$3000.00} made to your Health Savings Account on XX/XX/2020 has been debited from your account. The funds were debited, as funding to cover this deposit was not received from the bank on which the check was drawn. '' I immediately called XXXX XXXX. On XXXX they provided me with the ACH transaction number which I then provided to PNC shortly thereafter. My bank statement for that time period clearly shows the {$3000.00} dollars being pulled from my checking account. 

For months I went back and forth with PNC about where the $ $ ended up. Finally on XX/XX/2020 I received the following email from PNC. 

" Our Finance Team has confirmed that the transaction in the amount of {$3000.00} was manually rejected due to NO external bank account at the time of the transaction. From the research, it was determined that the transaction belonged to you. '' From that point until now I have tried to get PNC and XXXX XXXX to work together to find the funds but both refuse to accept responsibility to find the money. I am finally giving up on them and submitting this complaint hoping that the CFPB can force the two banks to talk to each and find my {$3000.00}. 

I have enclosed copies of the various referent letters, a sanitized copy of my bank statement showing the {$3000.00} being pulled, and my log of all the phone calls etc that I have record of. ( I did lose one months log to my puppy voracious appetite ). If further information is needed I will do my best to provide it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
As of XXXX XXXX I contacted both the company XXXX XXXXXXXX XXXX and Midland credit management I was trying to get information on the account that states i owe {$1000.00} to XXXXXXXX XXXX XXXX But they failed to disclose any information because they sold the account and the information with it as well as personal information to midland credit management. I contacted midland credit management and one of the representatives told me that a transaction was made with the card which i never owned and the transaction took place in XXXX, Fl on XX/XX/XXXX and many more transactions were made during that time as well. Midland credit management representative stated he could not send me a complete list of the transactions even though i requested that list, in my defense i stated i never owned a XXXX XXXX  credit card nor was aware that an account was opened in my name.

Company response to consumer: Closed with non-monetary relief