vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA

Complaint narrative:
Due to a devastating life problem were unable to pay our credit card debt for an extended period. Weldman, Weinberg & Reis, in XXXX, on behalf of XXXX obtained a judgment against me in XX/XX/XXXX. They were given the contact information of XXXX XXXX, the credit management company we were working with to clear up our debts. With no notice of intent not to settle, on XX/XX/XXXX, they filed for a Writ of Execution in XXXX XXXX, PA. Per XXXX XXXX, they never responded to, or contacted them, nor did they contact us. They added over {$1000.00} of interest for the time period they did nothing. On XX/XX/XXXX, they have frozen most of our bank account, which should all qualify as exempt, and I am required to go to court. It took several days for us to piece together what was happening, They did not mail the writ until XXXXAll other debts have been settled, or are actively being negotiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2022, I attempted to purchase a service, was asked by the seller to send payment through XXXX, totaling {$300.00}. 

The seller never delivered the service and refused to respond to me when I reached out. 

I filed a dispute with my Bank, Capital One 360. They then denied the dispute, citing XXXX 's terms and conditions which I was un-aware of and did not agree to. 

I was scammed by the seller so the bank and/or XXXX should do something about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This investigation process has gone longer than 30days and is causing a great deal of financial distress for my family and I.

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 2022-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I purchased my home in XX/XX/XXXX. My mortgage was with NewRez. My monthly payment was about {$2000.00} per month with a rate of 4.25 %. In XXXX, when rates dropped they contacted me to refinance. My estimated rate was 2.875 % and the estimated mo payment was {$1800.00} including the escrow. I knew I could afford this. Unfortunately for me, the loan closed in XXXX XXXX. For some reason, the school taxes due XX/XX/XXXX were not paid even though they had escrowed for this payment. As a result of the taxes not being paid on time, the school taxes were re-levied or incuded onto the town and county tax bill for XX/XX/XXXX ( plus interest and penalties ). So when they did the escrow analysis, they incorrectly figured the school re-levy as a " regular payment '' for XXXX taxes. I explained this all to them and sent them historical tax bills and copies of the current tax bills which clearly states the school taxes were re-levied. Because of the escrow " shortfall '' they more than doubled my escrow {$830.00} to {$1900.00} per month. My total mo payment is now {$2900.00} per month!! 

The escrow balance is currently {$650.00}. If we add {$1900.00} x 5 months ( XXXX ), the escrow balance in XX/XX/XXXX will be {$10000.00}. Assuming a school tax pmt of {$7000.00} ( School taxes in XX/XX/XXXX were {$6600.00} ), this leaves an escrow surplus of {$3200.00}. Divide this by 12 and that's a least a {$270.00} reduction they should be applying to my escrow payment NOW. The current monthly pmt is {$2900.00} is not sustainable long-term. My mortgage escrow needs to be adjusted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Regarding account Acct starting with XXXX I sent a letter via certified mail delivered on XX/XX/21 to NCA regarding a collection being reported on my credit report asking for validation of purported debt, to include pertinent information that is required to be furnished by law : Copy of original contract Name and address of original creditor Name and address of alleged debtor Amount owed Full account number Date account opened Date of last payment Date of first delinquency Complete account activity Proof that this debt was assigned or sold to the company, and that they have the legal authority to collect the debt I did not receive a response. 

It has now been well over 150 days since I initiated contact with NCA, and they have still not responded to my validation letter. I have the certified mail receipt to prove that it was received. This company is refusing or neglecting to address my inquiries in a timely matter as required by law. I know that this account can not possibly be verified as belonging to me if an actual investigation in to my inquiry is done. I kindly ask that this account be deleted from my credit report at all credit reporting bureaus, and all contact and collection attempts cease. Upon a response to this complaint, if this is not resolved as per the law requirements, my next contact will be the FTC, the attorney general, social media, and the media.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX, Transunion and XXXX credit reporting agencies have allowed XXXX XXXX XXXX to " re-age and re-list '' old debt that was bought by them. I have XXXX collection accounts being listed by XXXX XXXX XXXX that have illegally " re-aged '' this old debts that are over 7 years old. According to the FCRA, accounts older than 7 years must be deleted from credit reports. Since the original accounts are older than 7 years, XXXX must delete all XXXX collection accounts from XXXX XXXX XXXX. XXXX is allowed to try to collect on the old debt, however, these accounts have to be deleted according to FCRA law.

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 2022-03-21 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Dear Sir, Madam : In XX/XX/2021 I bought a TV from XXXX XXXX using my Chase Ink Visa for business for {$370.00}. XXXX XXXX delivered it twice to wrong addresses. After I informed them of the error ( they sent me the picture of the house where they delivered the TV, but it was not my house ), they refused to correct their mistake, and decided to cancel my order. I filed a dispute with Chase after waiting a few days without seeing refund, but later I found the refund posted in my account. I thought XXXX XXXX had refunded my money and my dispute had been resolved. However, in XXXX this year I discovered Chased had charged me {$370.00} again. I immediately called Chase, and faxed supporting information to them. Unfortunately, my disputes have all been turned down with explanation that Chase found the charge valid, and there was no account error. 
It unreasonable to claim the charge was valid : the merchandise was not delivered to me, but someone else, which I have proof. Furthermore, XXXX XXXX canceled the order, but not refunded my money. I had talked to XXXX XXXX many times without any resolution. I did not dispute any account error in this case. When I use Chase Visa, I believe Chase would protect their consumers against unscrupulous or irresponsible merchants like XXXX XXXX in this case. 
I ask you to help me to make things right, and elevate the matter to Chase management so that Chase will do what they promise in protect their clients. 
Please let me know what supporting information you need, and how to provide them. 
I sincerely appreciate your helps in protect all consumers like me. 
Respectfully XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Syncrony bank charge me a late charge, I did not know the late charge was assessed. They then posted the next payment I made to the late charge and my account was determined to be late. I requested the late charge to be waived but now it's showing 30 days ( 32 days to be exact ) past due. Syncrony posted my money incorrectly to the account and caused this delinquency and this needs to be fixed. I called the credit card company and got hung up on and then tried chatting with someone online and the system didn't let me type. I can't get a hold of these people either to resolve the issue.

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 2022-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Acra Intermediate Holdings, LLC
State: CA

Complaint narrative:
Dear CFPB Team, My lender Citadel is not responding to any of my emails or phone messages. 
Their representative, XXXX XXXX XXXX from XXXX requested that I provide a locked loan approval to suppress any negative credit reporting so I could finalize my refi with a new lender. 
I did submit the locked loan approval about 10 days ago which will expire by the end of this month. 
However, Citadel has not reported as us current and we tried to get a hold off XXXX XXXX XXXX from their Customer Advocacy Team ( who is handling our account for the past year ) via email and phone for 1 week now without any success.

Moreover, we have tried to get any other supervisor on the phone without any success.

No one is returning emails or our phone calls and our last 3-month mortgage payments, which we made over the phone with a live representative at Citadel, were initially accepted and then returned to us a couple of weeks later via check.

It seems they are trying to avoid speaking to us so they can start the foreclosure process.

The moment we asked Citadel to join the California Mortgage Relief Program which was created to help people like us, who fell behind and were placed on forbearance during the Corna Virus shutdown in 2020, Citadel started retaliating against us and placing our monthly mortgage payments without telling us into a suspense account and then returning the funds. We have not been able to pinpoint what they are hiding and why their upper management did decide not to join the California Mortgage Relief Program. It would have been a wonderful solution for us and them and it seems that their business practices are so shady that they are completely closing off their affairs to outside agencies. 
Furthermore, we tried again to get any representative on the phone today who could help us with our refi issues and were told by XXXX XXXX from the collections office that he sees 3 prior requests by us for a supervisor call back which unfortunately have not been returned at all. Today again, there was no supervisor in 3 different departments available to talk to us.

This is completely unprofessional, unethical, and incompetent for a financial institution.

Please help us investigate Citadel 's business practices.

Thank you very much.

With best wishes, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
I have little to no information about this gas utility debt with XXXX and now with collection with CBE. I have several rental properties with XXXX and have always paid by bills. My current credit score is around 835, however, my mortgage score ( XXXX ) is several hundred points lower and I can not qualify for a new home loan. 

Perhaps XXXX kept sending mail to the rental property address after I sold the property. This could be fraud by a tenant. My identity has also been stolen in the past. 

I really have no idea how I could not have been properly notified for this debt. Also, please keep in mind this is only a {XXXX} collection and it has been paid. 

I didn't know my rights to validate this debt nor do I believe I was properly notified and XXXX has my phone number on file. 

It has been negatively affecting my life and my ability to purchase further rental properties. 

Lastly, I was under the impression that if the {XXXX} debt was collected, it would be removed from my credit report. 

I can also attach my credit report to show you my great credit score and ability to pay bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This investigation process has gone longer than 30days and is causing a great deal of financial distress for my family and I.

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 2022-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mountain Run Solutions, LLC
State: TX

Complaint narrative:
Prior Complaint Number : XXXX follow-up. As of XX/XX/2022, the company has yet to properly validate the debt and consumer has not yet received any such validation at consumer 's USPS address. This is a clear violation of the FDCPA and FCRA. Enough time has gone by for the company to validate this debt properly. I request the CFPB to hold the company in violation of the FDCPA and FCRA.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2022-03-21 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
I have a credit card with HSBC. Their advertisement even today on XX/XX/XXXX on their web site stating " Rewards with no limit or expiration ''. All my points worth {$910.00} as of XX/XX/XXXX are no longer there. I want the money back. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I reached out to XXXXEquifax to remove the texas attorney general 's account from my credit report and they failed to do so. I have tried on multiple occasions to upload files relevant to this removal but the system has been not allowing me to upload documents. I have attached my files to this complaint.

Company response to consumer: Closed with explanation