vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
Fifth third bank erroneously applied home owners insurance during covid period and applied my regular monthly payment to my impound account. I provided proof that the insurance had, in fact cashed the check for my home owners policy. The check was " lost '' somewhere between the sender and insurance company, however, they did eventually cash it. I have made every payment on time. Fifth third refuses to credit back my account for placing their insurance policy on it and continues to say I was late on my monthly payments when in fact, all payments were made on time. I want the credit report corrected to reflect all payments were current. I have never received a late charge on this account. I sent copy of front and back of insurance check showing it was cashed by insurance company as well as the policy declaration showing the dates of coverrages. They still refuse to refund me or update my credit report. They also refunded me my first payment on the loan saying " no account found '' which I then had to resend the check out. 
My title company sent them an additional check to cover the insurance that they erroneously placed until it could be sorted out and Fifth third sent me a XXXX check back for impound overages???

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXXDO NOT CONFUSE ME WITH RELATIVES WITH THE SAME NAME OR ADDRESS. VERIFY ALL IDENTIFYING INFORMATION.DO NOT CONFUSE ME WITH RELATIVES WITH SIMILAR NAMES OR ADDRESSES. VERIFY ALL IDENTIFYING INFORMATION. DO NOT CONFUSE MY CREDIT FILE WITH PEOPLE OF SIMILAR NAME, ADDRESS OR SSN. VERIFY ALL IDENTIFYINGINFORMATION. 

XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. DAYTIME 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 2023-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
We have been dealing with XXXX XXXX for nearly 24 months regarding loan modification, loan forbearance, etc. They have given us the run around for over 24months and THEY HAVE NOT RESPONDED TO OUR INQUIRIES on a timely basis. We have applied for Federal Assistance with the IHAF and entered our application with the government agency on XXXX/XXXX/XXXX. When XXXX XXXX sold my mortgage to SLS on or about XX/XX/2023, it screwed up the entire XXXX application process as IHAF was still reaching out to XXXX XXXX who failed to respond because they no longer held the loan. We went back in to the IHAF application and notified them that we were notified that the mortgage provider had now changed to SLS. As of today, XX/XX/2023, IHAF has said that they have reached out to SLS numberous times to obtain some verification called an " i record ''. Even though I have uploaded the most recent default letter received from SLS to IHAF, containing proof of mortgage, loan number, deliquency amount, etc., they still apparently need verficiation from SLS. Today, we called SLS 3 times and following automated verification of my loan information, recieved a voicemail asking to call back during normal business hours. The 3 calls we made to SLS TODAY were made between XXXX and XXXX, CST, which is within their normal business hours. They apparently do not have anyone answering their calls today. We called 2 different numbers : ( XXXX ) XXXX and ( XXXX ) XXXX. 

In addition to not answering our calls today during standard business hours, they insist they haven't received a request for an irecord from IHAF however, when speaking to supervisor XXXX today, at IHAF, she indicated it has been sent and we would have to wait up to 7days for them to respond. We are out of time and have done all we know how to do at this point.

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 2023-05-09 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: VA

Complaint narrative:
Law offices XXXX placed a medical debt on my report, i sent a certified letter requesting full validation of debt which i havent received. As well as the debt to be validated before reporting on my credit report which they are reporting to all 3 bureaus with out my consent or validation of debt as requested.

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 2023-05-09 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: VA

Complaint narrative:
Law offices XXXX placed a medical debt on my report, i sent a certified letter requesting full validation of debt which i havent received. As well as the debt to be validated before reporting on my credit report which they are reporting to all 3 bureaus with out my consent or validation of debt as requested.

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 2023-05-09 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:
Submitted Identity theft affidavit along with consumer statement, copy of drivers license, copy of social security, and copy of recent utility bill on XX/XX/2023. Contacted customer service today on XX/XX/2023. Today is the fourth business day and information is still reporting inaccurately to my personal credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: LA

Complaint narrative:
on XX/XX/2022. I wrote student loan account information CCT NAME : DEPTEDXXXX XXXX # : XXXX This account is open and current on my credit report with all bureaus. I do not dispute that this debt is owed. 

Transunion shows these accounts open and current in one section of my credit report and this same accounts are incorrectly showing as " closed '' on my credit report. I have written numerous times to Transunion asking for the deletion of this information and they have not replied and they are still showing as closed on my credit report as of 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 2023-05-09 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: GA

Complaint narrative:
There is information from XXXX XXXX  ( XX/XX/2023 ) on my credit report that I am not responsible for. This was something that I did not authorize and have no knowledge of. Furthermore, 15 USC section 602 A. States I have the right to privacy. 15 USC 1681 section 604 section 2. States that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681b Permissible Purpose of Consumer reports, I never gave this institution written consent to pull my credit report. 15 usc section 1681 s-2 Block of information resulting from identity theft. I asked Trans Union to remove this information from XXXX XXXX  immediately. 

*I have attached a copy of my ID *Social security card *Identity Theft Report ( 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 2023-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: CT

Complaint narrative:
My loan was transferred to Roundpoint effective XX/XX/XXXX. Prior to that, Roundpoint emailed me that my existing automatic payment from my prior servicer would automatically continue to be withdrawn by Roundpoint. By XX/XX/XXXX my automatic payment was not withdrawn and Roundpoint also had not record of my loan, even though it was supposed to be withdrawn on XX/XX/XXXX. Therefore, I made a manual payment of {$1500.00} on XXXX or XX/XX/XXXX. On or around XX/XX/XXXX Roundpoint also automatically withdraw a second {$1500.00} payment, and its website shows it credited it to the account effective XX/XX/XXXX. A statement dated XX/XX/XXXX shows that {$770.00} of the second payment was credited to interest and the rest to principal. I have the following issues involving Regulation Z and UDAAP : XXXX ) Roundpoint withdrew its automatic payment late, so it is only fair that it should have credited the payment effective XX/XX/XXXX rather than XX/XX/XXXX, which would reduce interest accrual on the paid off principal for XXXX days. 
XXXX ) Roundpoint credited my XXXX  payment to {$770.00} in interest even though there was no interest ( since it was paid by my XXXX  payment ) This suggests that it held my XXXX  payment until XX/XX/XXXX, rather than reducing my principal effective on the payment date. This means it received my money without paying me interest from XX/XX/XXXX to XX/XX/XXXX. Since this entire debacle occurred because Roundpoint did not withdraw the payment when promised it must pay me interest on the money by crediting my second payment on the date it was paid rather than on XX/XX/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 2023-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Company closed my account cono apparent reason

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 2023-05-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VERITAS FUNDING, LLC
State: WA

Complaint narrative:
Received misleading mailer, which looks like an official document, but is actually just an advertisement. The envelope specifically states " Response Required ''. The Ad itself states that there are changes and has an year on the top right, which makes it look like it came from the IRS or other government source.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXXXXXX Account Number:XXXX Account name : XXXX Account Number:XXXX Account name : XXXX Account Number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
My auto loan was through Ally financial. They did not give provide the Cobb Notification letter they are required to send me since they were accepting my late payments. They are Ally financial and have class action law suits against them for this exact issue and also within the state of Minnesota where they paid {$780.00} in settlement due to them not following proper protocol per state laws. I got behind in payments when I was laid off last year, notified them of my lay off, they wouldnt do any payment arrangement or payment assistance since my loan was so new so when I regained employment I have been paying monthly payment plus additional amount each month to get caught up. They closed my account in XXXX regardless of those payments they had been accepting ( without me knowing it until today ) and continued taking my payments. Last payment was on XX/XX/23 for {$900.00}. They repod vehicle on XXXX with no Cobb notice sent to me. I would have been able to get completely current with my auto loan within the next 30 days if they would notified me of the repossession action and allowed me to make large payments now and then in two weeks when I get paid again. They are telling me since they closed my account they wont even allow a payment arrangement to get current and I either pay loan in full or they will sell my vehicle.I could have paid entire amount owed in back payments ( which only was equivalent to two monthly payments ) today and got the loan current. They will not work with me whatsoever and refuse to listen to me about how they didnt comply with the Minnesota state laws regarding the Cobb notice requirements.

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 2023-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AE

Complaint narrative:
On XX/XX/XXXX, I was notified of a fraudulent charge on my credit card which led to cancellation of the card as a precaution. While attempting to call and report the charges, Bank Of America customer service stated that they could only verify my identity via an outdated phone number on their system. The phone number in question was discontinued and removed from my contact information in XXXX after my relocation with the military to XXXX. The representatives stated that that phone number was the only way to verify who I was and as such no further assistance was offered other than personally going to a branch with " XXXX forms of IDs ''. 

On the bank 's website, they advertise to have multiple international locations " all over the globe ''. However, this is false as the reported global branches are only for Corporations and Investment Banking only. The branches in XXXX, XXXX, XXXX, and XXXX were all contacted who confirmed that no personal banking needs would be met. 

At this time, all my access to my accounts were restricted by the bank of america, hence, I could not withdraw, transfer, or access my accounts at all ; leaving me in XXXX without any funds. 

Given the dire situation, I managed to fly to XXXX for XXXX day to confirm my identity as requested. During this visit, the financial branch updated my information with a new phone number in order for me to receive verification codes via phone. At this time, I only could get access to mobile banking which was limited to only paying bills. No funds could be transferred to withdrawn while pending debit and credit cards being mailed. 

On XX/XX/XXXX, I was alerted to an activity on a credit card which was just mailed. I contacted the bank, however, was told that the new phone number could not be used because it was not verified, and as such no assistance could be given. XXXX agent stated, " your inconvenience is not our priority '', hence, again I am restricted. 

Below, please find my efforts to contact and resolve the situation with the bank : The phone customer service, credit card services, and fraud services were contacted on the following dates and times : XX/XX/XXXX at : XXXX, XXXX, XXXX, XXXX XX/XX/XXXX at : XXXX XX/XX/XXXX at : XXXX ; XXXX ; XXXX XX/XX/XXXX at : XXXX Emails were sent to : XXXX; Finally, I flew to US on XX/XX/XXXX and XXXX on XX/XX/XXXX believing that this had resolved the situation but appears not. I am unable to fly to the US because the institution does not have appropriate security measures especially since going in person appears not to matter. 

Thank you for your time

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 2023-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
XX/XX/2023 I need to bring to your attention again the violations of my rights as a consumer and also ask you to uphold the law under your obligations as the CFPB. I ask that under the laws 12 U.S.C 5511, 12 U.S.C 556265, 12 U.S.C 5514 and 12 U.S.C 5515.

I have been a victim of the violation of the Truth in Lending Act ( TILA ) also my Right of Rescission under 12 CFR 226.15 & 12 CFR 1026. 23 ( b ) has been violated. I have also be violated under the Fair Debt Collection Practices Act ( FDCPA ). 

I have been continuously harassed at my home, and my character has been defamed. This has resulted in the damage to my credit, losing credibility with companies I had been associated with for over a decade. I demand that you rectify this issue immediately and compensate me for all the damages caused to me. 

As a consumer, I have the right to be protected by the law. However, the violation of my rights has caused me immense stress and financial loss. I urge you to take immediate action and ensure that my rights are protected as a consumer. 
I can have my claims documented and backed up by all my doctors, of the stress and health issues this situation has caused me. If needed, they have already been informed of all recent events. 

I would like to remind you again of your responsibility under the law 12 U.S.C 5511, 12 U.S.C 556265, 12 U.S.C 5514 and 12 U.S.C 5515. I request you to investigate the matter and take appropriate action against the parties responsible for the violation of my rights. 

Im asking the CFPB to use their enforcement authority. This statement is of the CFPB and has not be upheld in my eyes. Yet I continue to ask that the CFPB uphold their responsibilities to consumers. 

A central part our mission is to stand up for consumers and make sure they are treated fairly in the financial marketplace. One way we do this is by enforcing federal consumer financial laws and holding financial service providers accountable for their actions.

When a bank, company, individual, or other entity breaks the law, we may take enforcement action against them. 

I look forward to hearing from you soon. 

Sincerely, 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 2023-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
The account I am reporting is factually listed on my credit report incorrectly. The bureau is reporting file # XXXX, / Acct # XXXX, Original creditor XXXX XXXX, as a Auto Loan. This account was a Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately. 
In addition, In accordance with the Fair Credit Reporting everything on my credit report has to be 100 % accurate. The Credit bureaus stated my account was properly investigated but how can that be possible when the balance on the count mentioned below is not accurate. This is grounds for immediate removal of this account from my report. Also, for the following reasons, my rights have also been violated : 15 U.S.C 1681 section 602 A, states I have the right to privacy. 15 U.S.C 1681 section 604 a, section 2, states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c ( a ) ( 5 ) states ; no consumer reporting agency may make any consumer report containing any of the following items of information. 
I did not give any agency permission to share my personal information with XXXX XXXX XXXX. 
According to my credit report, the above account was noted as an repo. How can XXXX XXXX, report late charges for a vehicle they sold at auction? This is also, grounds for deletion of this account on 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 non-monetary relief