vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
I applied for two loans with CrossCountry Mortgage.

Before the loans closed, I informed CrossCountry Mortgage in writing that the only correct address for all servicing communications with me was a specific post office box. 

After the loans closed, CrossCountry Mortgage sent mail addressed to me, to one of the two rental homes instead of the correct mailing address at the post office box. I again informed CrossCountry Mortgage in writing that the only correct address for all servicing communications with me was a specific post office box. 

After the loans closed, I received two payments coupons for the first month 's payment on the two loans, due XX/XX/2020. Both were mis-addressed and sent to the wrong address and only received by me because an anonymous postal employee took the time and effort to get the mis-addressed mail to me. 

I paid the first month 's payment and again informed CrossCountry Mortgage in writing of the only correct mailing address for me.

However, I did receive a telephone message purportedly from CrossCountry Mortgage telling me the servicing of my loan had been transferred and I should contact the new servicer. I have never received anything in the mail confirming the purported transfer of servicing, or from the purported new servicer. 

On XX/XX/2020, I received from ( apparently ) CrossCountry Mortgage, correctly addressed, an item of unsolicited junk mail inviting me to buy " mortgage protection coverage '' so contrary to the telephone message stating that CrossCountry was no longer servicing the loan, it appeared that CrossCountry Mortgage was still servicing the loan. 

I have since paid the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments to CrossCountry Mortgage, even though I have never received monthly statements or payment coupons from CrossCountry Mortgage. With each monthly payment, I have again informed CrossCountry Mortgage in writing of my only correct mailing address. 

On XX/XX/2020 I sent CrossCountry Mortgae a qualified written request regarding the issues ( above ). The qualified written request was mailed by certified mail and according to the post office, delivered to CrossCountry Mortgage on XX/XX/2020. 

" ( c ) Acknowledgment of receipt. Within five days ( excluding legal public holidays, Saturdays, and Sundays ) of a servicer receiving an information request from a borrower, the servicer shall provide to the borrower a written response acknowledging receipt of the information request. '' It has been three weeks since my qualified written request was delivered to CrossCountry Mortgage. I have yet to receive any response from CrossCountry Mortgage. It appears that CrossCountry Mortgage is ignoring all of my written communications.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
On XXXX, I sent Equifax a letter notifying them about 2 unauthorized addresses, 1 unauthorized employer and 5 unauthorized inquiries which do not belong to me. I attached a recent report outlining the unauthorized items. On XXXX, my letter was delivered to Equifax according to the XXXX XXXX XXXX XXXX. On XXXX, Equifax sent me report # XXXX with dispute results which clearly shows Equifax is continuing to report 5 unauthorized inquiries which is against federal law. They have failed to delete the 5 unauthorized inquiries. I have attached a copy of the letter Equifax received dated XXXX, a copy of the XXXX certified mail receipt dated XXXX, a photo of USPS tracking delivered dated XXXX and the updated Equifax credit report # XXXX dated XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
On or about XX/XX/2020 I attempted to get my credit report online through XXXX  XXXX XXXX ( " XXXX '' ). I was denied access to it online. I had given them my correct information. I then called their telephone line and again gave them my same information, which it accepted. I was told it would be sent within 15 days. It has been well over 30 days and I have still not received said report. I chose to get a report from only one of the agencies ( Experian ) so as to be able to request from the other two ( 2 ) at a later time. However, again on XX/XX/2020, I called " XXXX '' expecting to be able go speak with someone about not receiving the report, but there were no options to speak with anyone nor a prompt asking if you had ordered and not received your report. Therefore, I went ahead at that time and ordered a report through them from XXXX, which understandably, has not been received yet. Also, no correspondence has been received from XXXX or any of the reporting agencies stating there were any issues. Thank you in advance for your assistance with clearing up this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
This complaint is in follow-up to CFPB complaint XXXX. I have filed multiple complaints with the CFPB against my Lender regarding their handling of my escrow account. Please see complaint numbers : XXXX, XXXX, XXXX, and most recently, XXXX. I received notice on XX/XX/2020 informing me that the PMI on our home had been cancelled effective XX/XX/2020. They said at that time a new escrow analysis would be performed to provide me with updated payment information, reflecting the removal of our PMI. When I did not hear anything, I called the office. I was informed I would receive one by XX/XX/2020. XX/XX/2020 came and went and no escrow analysis. So I called again XX/XX/2020 and I was told nobody ever ordered an escrow analysis, despite me being told there was one ordered and a " rush '' was put on it. So the agent ordered a new escrow analysis, and she said she would put a " rush on it as it was the third I had requested. She said it would be ready by XX/XX/2020. Today I received a letter from Shellpoint Mortgage Servicing informing me that they were removing my PMI effective XX/XX/2020, as well as notifying me that the escrow analysis I received in XXXX of 2020 XXXX prior to my PMI being removed ) showed an overestimation in what my payments would be for the following year ( an issue I disputed with NewRez multiple times ). I called NewRex today to find out how the overages I had paid would be returned/refunded to me and they said they would have to pull the new escrow analysis. Once again, the order for a new escrow analysis was not placed. Finally, I spoke with an agent names XXXX XXXX. She placed the XXXX request we have made for an updated escrow analysis today and instructed me to fax a letter to their escalations department at ( XXXX ) XXXX to inform them this is my 4th request, and to request a " rush ''. I am currently in a forbearance plan due to COVID-19 impacts, and I am working to pay my balance by the date my forbearance plan expires ( XX/XX/2020 ). I must know how much I am actually going to owe in order to satisfy repayment. We have never had a straight answer from NewRez regarding our escrow account, despite multiple queries, and CFPB complaints. It took an analysis from Shellpoint to finally find what I had been telling them all along - that my escrow payment was too high. Now, I can't even get them to order an escrow analysis. They are still holding overpayment for PMI that was cancelled 6 months ago. Something has to be done about their inexcuseable practices surrounding their management of escrow accounts. Normal people just want to pay their mortgage. It should not be this difficult to get what we are entitled to ( an accurate escrow analysis ) so we can pay our mortgage. I have been fighting for months now. This is completely inexcuseable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I here have verified that I pay off all that I owed, my balance appears at XXXX and aside here I have the letter that I send to the departments. 
My complaint ID is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a fraudulent account listed on my account from XXXX XXXX XXXX XXXX. I have asked this company to send me some some information concerning this account and they sent me some information from another creditor that I never had any account with. I filed an identity theft report. The FTC report number is XXXX. I have attached a copy of the report to this complaint. Please remove this fraudulent account off my credit report the same way that XXXX  and XXXX  has done on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Hello all credit reporting agencys have incorrect information on my records and they are not fixing it. would you please confirm my name and address are correct on my report I have several name spelling errors and would like to have my name correct. 
Im disputing my name on My record My full name is XXXX XXXX XXXX XXXX is XXXX XXXX  XXXX XXXX XXXX, NC, XXXX My birthday is XXXX Phone number is XXXX My name should be the same as it is on drivers license and social security statement and social security card. 
Im submitting proof of identification so my name can be listed correctly on my file I have been having trouble with applications because of the name errors. My name is reporting incorrect information Name Information is incorrect I m providing proof of identity and my full name as it should appearPlease fix my full name on my credit report file my name is incorrect on my credit report! I am providing proof of my full legal name so you will correct the errors. The name you have on file is wrong, please help and fix it My full name is XXXX XXXX XXXX XXXX name : XXXX XXXX name : XXXX Last name : XXXX Please correct my full name and spelling errors

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
Wakefield and Associates, Inc., a national debt collector, is attempting to collect on a debt that i have no knowledge of. I never did business with this creditor, XXXX XXXX and, therefore, no account or contract exists to be sent forcollections. The alleged debt is about {$3000.00}. 
In resolution of this matter, I would like this collection account to be removed from all credit reporting agencies. I would also like this CFPB complaint to be sent to the appropriate State and federal regulatory agencies for a thorough and complete investigation to determine if this practice and type of behavior by the companies involved is the norm as a matter of ordinary business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hello all credit reporting agencys have incorrect information on my records and they are not fixing it. would you please confirm my name and address are correct on my report I have several name spelling errors and would like to have my name correct. 
Im disputing my name on My record My full name is XXXX XXXX XXXX XXXX is XXXX XXXX  XXXX XXXX XXXX, NC, XXXX My birthday is XXXX Phone number is XXXX My name should be the same as it is on drivers license and social security statement and social security card. 
Im submitting proof of identification so my name can be listed correctly on my file I have been having trouble with applications because of the name errors. My name is reporting incorrect information Name Information is incorrect I m providing proof of identity and my full name as it should appearPlease fix my full name on my credit report file my name is incorrect on my credit report! I am providing proof of my full legal name so you will correct the errors. The name you have on file is wrong, please help and fix it My full name is XXXX XXXX XXXX XXXX name : XXXX XXXX name : XXXX Last name : XXXX Please correct my full name and spelling errors

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hello all credit reporting agencys have incorrect information on my records and they are not fixing it. would you please confirm my name and address are correct on my report I have several name spelling errors and would like to have my name correct. 
Im disputing my name on My record My full name is XXXX XXXX XXXX XXXX is XXXX XXXX XXXX XXXX XXXX, NC, XXXX My birthday is XXXX Phone number is XXXX My name should be the same as it is on drivers license and social security statement and social security card. 
Im submitting proof of identification so my name can be listed correctly on my file I have been having trouble with applications because of the name errors. My name is reporting incorrect information Name Information is incorrect I m providing proof of identity and my full name as it should appearPlease fix my full name on my credit report file my name is incorrect on my credit report! I am providing proof of my full legal name so you will correct the errors. The name you have on file is wrong, please help and fix it My full name is XXXX XXXX XXXX XXXX name : XXXX XXXX name : XXXX Last name : XXXX Please correct my full name and spelling errors

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: GA

Complaint narrative:
To whom it may concern : This is my second request to remove accounts in my credit that do not belong to me, credit accounts that are not mine and I didn't have any knowledge of, I found out that a report with the FTC and police report has to be file. So I'd like to ask for you help to resolve this issue and restore my credit reputation. 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 explanation
Consumer complaint received 2020-11-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Fia Card Services Na has a federal judgment against them for injustices of card users, My first claim was they were not listed on a XXXX XXXX XXXX judgment which is hampering my day to day functioning. XXXX XXXX XXXX date is isted 2011 which is used to delay my relief. Docket XXXX In my first response I did not explain the federal judgment against this group.discrediting their credability. 

Their response was just which your agency demanded was just enough to delay for another 60 days. 

I ask for relief as to their proven unlawful charges, fees, and forcing responses and payments from correspondents or customers

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: DC

Complaint narrative:
I have 2 accounts with XXXX, a mortgage, and home equity line of credit for my house. 
both accounts were on forbearance with the company due to covid with auto-renewal. 
I had my mortgage for 21 years and home equity over 10 payments were always on time. 
My mortgage got auto forbearance but equity without my knowledge was not extended. 
I did not get a notice. The bank reported to the credit as been late. I called the bank and I was told there was nothing they can do I needed to dispute it with the credit bureau and due to internal issues equity line did not get auto forbearance like the mortgage account. I made the equity line payments to bring the account current and on time with XXXX but the credit report still shows late. This action brought my credit down significantly I am in process of refinancing this will affect my ability which I work very hard. I want XXXX to reverse their action on the 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 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
On XX/XX/2020 my credit reports reflects a late payment with my auto loan through XXXX XXXX XXXX XXXX. I have contacted XXXX XXXX, XXXX XXXX provided a letter stating there are " no late payments reflecting on any credit buearus. '' I have provided equifax with this letter to dispute/resolve- to no avail, my report still reflects a delinquent payment. What further steps do I need to take? I can provide supporting documentation as well as the contact number for the research specialist assisting in this very important matter. Thank you for your time and assistance regarding this very sensitive matter, Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have spoken with Equifax about this issue several times however ; they have given me the run-arounds when it comes to deleting them as promised from the fraud representative. I sent information in on XX/XX/XXXX and NEVER received a response back and was recently told that I need to send in a police report or FTC report listing all of the inquiries that did not belong to me. These were all due to the XXXX  Equifax Data Breach. All of these inquiries were deleted from XXXX  and XXXX  without hesitation ; however Equifax is neglecting to do the same. I have attached the police report which list all of the inquiries that should be deleted as promised from the Fraud Rep on Monday. The fraud rep on Monday XXXX re-disputed all inquiries and said that when the police report comes in ; the inquiries will be deleted. The confirmation # for that dispute is XXXX. 

I have also attached the removals from XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I ordered two items from Wayfair using their store credit card. The items came and they were defective. Wayfair refused to work with me to return them. One was a chair and the other was a cat tower, so it would have been outrageously expensive to return them. Also, I didn't realize they were defective until I spent hours doing my own assembly. I certainly didn't want to take them apart and try to box them up again. 

Next, they never sent me my credit card, so I was unable to set up an online account for months because I didn't know my account number. I called them three times and they wouldn't help me because I didn't have an account number! They also never sent me any paper statements.

They also do not allow for automatic payments by using their online system. They also don't send notifications. Basically, they make it impossible to pay the bill. I own a small business and I have MANY credit cards. They are all on automatic payment because I'm not going to keep track of thirty cards. I'm NEVER late with payments and I can prove this. 

However, this company uses deceptive and illegal business practices to keep customers from paying on time so they can keep charging {$35.00} fees each month. It's over a year later and I owe them MORE now than I did before for items that I can't even use! 

After months of trying to work this out, I just sent them a letter stating that I no longer wanted to do business with them, so would they please remove the {$140.00} in fees. As soon as they did so, I would pay them IN FULL! The refused. I do not owe this {$140.00}. These fees were accrued because of mistakes made by Wayfair, not by me. I wanted to pay them, despite their inferior merchandise, and pay them on time just like I do every other card that I have. 

I just want the fees removed so I can issue them an online payment for the remainder I owe and I can be done with them and their horrible company. I now have to incur even more expenses getting rid of this huge XXXX inside my home. My waste management company won't even haul it away without me paying them huge disposal fees. 

Warm Regards, XXXX XXXX

Company response to consumer: Closed with explanation