vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Nationwide Mortgage Bankers, Inc.
State: TN

Complaint narrative:
I had 4 mortgages with Nationwide Mortgage Bankers for 4 different investment properties. 3 of the loans got transferred from one servicer to another service. The transfer took place in XXXX. Property taxes were paid in XXXX and it so happened that the escrow balances went negative on all 3 mortgages. After transfer in XXXX, the new servicer showed DOUBLE the negative balance in all 3 escrow accounts. There were no disbursements that would account for the missing money. Something must have happened during the transfer and this was confirmed by a representative on the phone. 

An escrow analysis was performed on all 3 affected loans to accounrt for the shortage and since all 3 had double the negative balance, my monthly payment went up significantly. I have been calling the company to try to get it resolved but the level of incompetence I have encountered is staggering. They do not respond to emails. The representatives on the phone have no access to any relevant data. They don't have access to any data from the previous servicer. I had to explain the issue every time I called them because they don't even have a case management system! They kept promising callbacks and results in X more business days but nothing ever happened. It took me over a month to get a manager to call back after I threatened to file a complaint and this manager finally acknowledged the issue and I was told it would be solved by XX/XX/2022. That didn't happen so I'm filing the complaint. 

The mortgage company is : Nationawide Morgage Bankers Inc ( NMLS # XXXX ) The service company is : XXXX XXXX XXXX ( NMLS # XXXX ) The impacted loan numbers are : - XXXX - XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: TX

Complaint narrative:
I was taken advantage of due to mal practice while several laws were being broekn nder the FCRA by your company ... .this has caused me defermation of character, financial injury, can not apply for credit cards, and am unable to get a sba loan due to the pandemic under this crisis. This has greatly impacted my abiliity to obtain 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 non-monetary relief
Consumer complaint received 2022-01-08 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: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I have as morgage company a corrupted company bank. XXXX XXXX managed by shellpoint morgage servicing they were to be my mortgage lender on XXXX when they and right away started to sending me paperwork for a foreclosure and I asked them to showed me proof if the mortgage month missed if they will i will pay you but they never did. they started the harassment every month they charged for a late fee until last year around XXXX of XXXX my daughter gave me some money so I can stop the harassment they charged me {$1500.00} or more for late fees and a month. they claimed I owed. so they stopped the harassment now when I tried to get a refinance the other bank see all the late months and they are denied my refinance they see all the late fees shellpoint morgage servicing claimed I owed on XXXX of XXXX XXXX  XXXX XXXX on one of the credit report they stated I never missed a payment and I was late in one or two months but never behind NO PAYMENTS MISSED you can checkout it so why shellpoint morgage servicing charged me for 20 or months of late payments i made a complaint on XXXX and XXXX of XXXX through the XXXX the credit report agencies but they didn't care i made a complaint here actually the second one and one of the XXXX or more I did before for the same issue. collecting money than wasn't owe XXXX XXXX covers his criminal activity by hiring another corrupted criminals company as shellpoint morgage servicing they robbed me they harassed me they took advantage of me it's some kind of crime couse they CAN!!

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 2022-01-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed from my credit file immediately because I did not authorize them and they are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: CA

Complaint narrative:
Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed from my credit file immediately because I did not authorize them and they are fraudulent.

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 2022-01-08 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: CA

Complaint narrative:
Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed from my credit file immediately because I did not authorize them and they are fraudulent.

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 2022-01-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Upstart Holdings, Inc.
State: VA

Complaint narrative:
I signed for a loan with upstart loan and never received the {$10000.00}. Now I have a pending monthly payment of {$280.00} is due next month. I reached out to the company no answer or contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I have been submitting disputes on two separate accounts. The first one is Child Support, they continue to report that I'm 10 months late on payments. I have called the Child Support Office, they weren't helpful at all, I was told to go online to there interactive website. I did as they told me and it shows a payment of {$1500.00} in XXXXXXXX. I got a copy of the payment so I filed a dispute with all 3 credit bureaus and submitted the documentation. I have done this numerous times and no response. The second issue is with XXXX XXXX, in XX/XX/XXXX, a couple of months ago I was in a car accident and my insurance totaled my car. My insurance sent XXXX XXXX a check for {$10000.00}. XXXX and XXXX both updated their information at the beginning of XX/XX/XXXX. The one Credit Bureau I've been having issues with is Experian, I've filed 3 disputes along with documentation and their response is balance remains the same. I've been filing a dispute once a week, I called and they're either rude and hang up or they tell me that I need to wait for the dispute to be resolved in about 30 to 60 days. I have been without a vehicle for 2 months alone since cat dealerships and banks pull ones Credit report from Experian I can not do anything at all but wait until Experian fixes the balance for XXXX XXXX. I can not get approved for an Auto Loan because it still shows that I'm " paying '' on the vehicle even after I've sent documentation and tried speaking to someone about it letting them know that I can't get an auto loan until the balance is fixed. Its like these people who work with the credit bureaus are playing God with our life, out Credit reports. It's like they decided whether we can purchase a house, vehicle or anything that requires Credit. Also I asked Experian if I called XXXX XXXX to report it again like they have been, would that speed up the process. They rudely said no it doesn't matter what you do, you're just going to have to wait until we finish the dispute in XXXX to 60 days. I'm also working with Credit Law Lawyers to help me fix my credit. They get the same response with the same documentation I send them. They even added a collection to my credit report that 1. was 13 years old 2. I hadn't been to that hospital since XXXX 3. The account wasn't even mine. They eventually took it off my credit report, but not before my score dropped after trying so hard to build my credit. I don't understand how they are quick to report the negative issues on your credit report, within a day they do this, but anything positive it'll take them 2 months to a year to correct it.

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 2022-01-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Lending Services LLC
State: GA

Complaint narrative:
In XXXX the auto dealership steered me into a predatory loan with Global Lending. Global lending had subjectively higher interest rates with high probabilities of default. The loan was costly with unfavorable terms for any consumer. Over the years XXXX, I paid enough money to pay off the original asking price of the vehicle. Global Lendings interest rate and collection practices were abusive. They would call over ten times a day requesting payment. In XXXX, the pandemic affected our household income, and we could not afford to continue being a victim of Global lending. I was forced to voluntarily surrender my XXXX XXXX XXXX. More importantly, we were tired of the harassment by Global Lending because we knew that the harassment would get worse.

The significant matter, in this case, is that Global lending falsely reported the amount of {$15000.00} to the XXXX XXXX XXXX XXXX XXXX. I disputed the matter and requested additional documentation. Global Lending admitted that they reported false information and the amount was significantly lower. Since Global Lending was untruthful, I dont feel comfortable paying the amount reported to the credit bureaus. Global Lending credit reporting has caused a hindrance for credit, and I ask that it be removed. Since Global lending was caught being untruthful they should be willing to resolve this matter by canceling the debt and clearing my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
MY BROTHER HAS STOLEN MY ENTIRE IDENTITY FROM ME. HE HAS CHANGED MY NAME, ADDRESS, BIRTHDATE, GENDER, EDUCATION, EMPLOYMENT AND AGE.

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 2022-01-08 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: FL

Complaint narrative:
I have as morgage company a corrupted company bank. XXXX XXXX managed by XXXX  XXXX  servicing they were to be my mortgage lender on XXXX when they and right away started to sending me paperwork for a foreclosure and I asked them to showed me proof if the mortgage month missed if they will i will pay you but they never did. they started the harassment every month they charged for a late fee until last year around XXXX of XXXX my daughter gave me some money so I can stop the harassment they charged me {$1500.00} or more for late fees and a month. they claimed I owed. so they stopped the harassment now when I tried to get a refinance the other bank see all the late months and they are denied my refinance they see all the late fees XXXX XXXX  servicing claimed I owed on XXXX of XXXX XXXX XXXX  XXXX on one of the credit report they stated I never missed a payment and I was late in one or two months but never behind NO PAYMENTS MISSED you can checkout it so why XXXX XXXX servicing charged me for 20 or months of late payments i made a complaint on XXXX and XXXX of XXXX through the Experian the credit report agencies but they didn't care i made a complaint here actually the second one and one of the 1000 or more I did before for the same issue. collecting money than wasn't owe XXXX XXXX covers his criminal activity by hiring another corrupted criminals company as XXXX XXXXe servicing they robbed me they harassed me they took advantage of me it's some kind of crime couse they CAN!!

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 2022-01-08 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Someone sent me a text ( CITI-BANK-FRAUD ) Your card has been blocked due to recent transactions. To restore full access go to auth07-citi.com/secure? token From the phone number XXXX ( XXXX ) XXXX And I dont have Citi bank

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 2022-01-08 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: NC

Complaint narrative:
due to negligence and falsified information being reported from consumers, I have been struggling to obtain financial assistance during the economical impact that COVID-19 has brought for thus another year. I have many unverified accounts that present invalid information. I have attempted to reach out at the least 3 times, every 30 days with no results or answers relevant to my demand of validity. I am seeking a final step before legal actions are taken upon all three credit bureaus. they have all failed to respond within 30 days. I demand Justice. The bureaus allow this terrible work ethic and don't do a good job validating correct information. So many people have been failed by the bureaus lack of care and it is time to protect our rights. I have sent both my dispute requests and a failure to comply letter to all 3 bureaus which i will include in this 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 non-monetary relief
Consumer complaint received 2022-01-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The following accounts do not belong to me XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following accounts do not belong to me XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08 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: NC

Complaint narrative:
due to negligence and falsified information being reported from consumers, I have been struggling to obtain financial assistance during the economical impact that COVID-19 has brought for thus another year. I have many unverified accounts that present invalid information. I have attempted to reach out at the least 3 times, every 30 days with no results or answers relevant to my demand of validity. I am seeking a final step before legal actions are taken upon all three credit bureaus. they have all failed to respond within 30 days. I demand Justice. The bureaus allow this terrible work ethic and don't do a good job validating correct information. So many people have been failed by the bureaus lack of care and it is time to protect our rights. I have sent both my dispute requests and a failure to comply letter to all 3 bureaus which i will include in this 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 non-monetary relief
Consumer complaint received 2022-01-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
due to negligence and falsified information being reported from consumers, I have been struggling to obtain financial assistance during the economical impact that COVID-19 has brought for thus another year. I have many unverified accounts that present invalid information. I have attempted to reach out at the least 3 times, every 30 days with no results or answers relevant to my demand of validity. I am seeking a final step before legal actions are taken upon all three credit bureaus. they have all failed to respond within 30 days. I demand Justice. The bureaus allow this terrible work ethic and don't do a good job validating correct information. So many people have been failed by the bureaus lack of care and it is time to protect our rights. I have sent both my dispute requests and a failure to comply letter to all 3 bureaus which i will include in this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: NC

Complaint narrative:
due to negligence and falsified information being reported from consumers, I have been struggling to obtain financial assistance during the economical impact that COVID-19 has brought for thus another year. I have many unverified accounts that present invalid information. I have attempted to reach out at the least 3 times, every 30 days with no results or answers relevant to my demand of validity. I am seeking a final step before legal actions are taken upon all three credit bureaus. they have all failed to respond within 30 days. I demand Justice. The bureaus allow this terrible work ethic and don't do a good job validating correct information. So many people have been failed by the bureaus lack of care and it is time to protect our rights. I have sent both my dispute requests and a failure to comply letter to all 3 bureaus which i will include in this 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 2022-01-08 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: CITIBANK, N.A.
State: MN

Complaint narrative:
XXXX XXXX-Someone got ta a card in my name XX/XX/2021 XXXX XXXX Did the exact samething on these two dates

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