vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I took out a $ XXXX mortgage on my apartment in XXXX, at 6 % interest ( XXXX XXXX XXXX  monthly payment ). Before Covid, I had never missed a payment. My mortgage balance was around $ XXXX. Due to Covid, I had to take advantage of the moratoriums and I ended up with about XXXX XXXXXXXX in past due payments. I do not have $ XXXX to satisfy these past due payments so I reached out to my mortgage lender, Banco Popular de Puerto Rico, and requested information on loss mitigation alternatives. The alternative they gave me was a loan modification with an increased interest rate ( 6.75 % ) and an extension of the loan term to 30 years. So, now the only option I have, other than foreclosure, is to pay {$1100.00} a month for the next 30 years, for a XXXX XXXXXXXX loan. I paid my loan on time for the last 15 years and now I have to start all over again, 30 more years, just to lower the monthly payment {$300.00}. I will be paying the mortgage lender about XXXX XXXXXXXX, in addition to the approximately $ XXXX I have already paid just to keep my apartment which they recently appraised at around $ XXXX. If this is not bad faith, I don't know what it. They have given me no choice but to lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Choice Money Transfer, Inc.
State: NY

Complaint narrative:
Using their online service, I started two transactions with XXXX XXXX XXXX XXXX XXXX First transaction was for an amount of {$1700.00} on XX/XX/2021 for which Money Transfer Number ( XXXX ) XXXX was generated. The second was for an amount of {$880.00} on XX/XX/2021 for which XXXX XXXX was also generated. 
The two transactions were all paid with my XXXX Debit card ( XXXX ) These two transactions were subsequently cancelled citing compliance reasons. Upon contact with XXXX XXXX XXXX XXXX XXXX XXXX was made to understand that refund for the two transactions usually takes between 3-business days. The first transactions was cancelled on XX/XX/2021 and the second on XX/XX/2021. Till today, several attempts on daily basis towards refund has proved futile.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-17 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: OH

Complaint narrative:
I have some major issues with bad addresses and fraudulent accounts appearing on my credit file. Someone applied for and received accounts with XXXX  XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX I am disputing these items under FCRA XXXX, XXXX, XXXX. 

THE FOLLOWING ADDRESSES ARE FRAUDULENT PLEASE REMOVE : XXXX XXXX XXXX XXXX  XXXX XXXX OH,XXXX  XXXX XXXX XXXX XXXX  XXXX OH, XXXX XXXX XXXX XXXX XXXX  VA , XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX  XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX  XXXX OH, XXXX I have never seen these addresses before on my credit file and I believe one or more of these addresses was used for the fraudulent activity on my credit profile. I am filing my police report today and a FTC ID theft complaint as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: OH

Complaint narrative:
I have some major issues with bad addresses and fraudulent accounts appearing on my credit file. Someone applied for and received accounts with XXXX  XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX I am disputing these items under FCRA XXXX, XXXX, XXXX. 

THE FOLLOWING ADDRESSES ARE FRAUDULENT PLEASE REMOVE : XXXX XXXX XXXX XXXX  XXXX XXXX OH,XXXX XXXX XXXX XXXX XXXX  XXXX OH, XXXX XXXX XXXX XXXX XXXX  VA , XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX  XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX  XXXX OH, XXXX I have never seen these addresses before on my credit file and I believe one or more of these addresses was used for the fraudulent activity on my credit profile. I am filing my police report today and a FTC ID theft complaint as well.

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 2021-06-17 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:
I have sent multiple request and I feel like Im being ignored. I sent letter after letter highlighting these inaccurate items caused by identity theft. The other bureaus recognized these items as inaccurate and deleted them. I sent proof of that and still not answer. FDCPA Section 807 clearly states that inaccurate items must be deleted. I have asked for verification and still as of today over 180 days later no verification. No original contract, no personal information, no who did you speak with to verify. I demand these inaccurate items be removed immediately. These are violating my right and I have no other choice to proceed to legal action. This is a direct violation of 15 us code 1692. My information was also impacted in the XXXX and XXXX data breaches.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo Mortgage accepted my application XXXX XXXX and provided me with 3 pre-approval letters. My issue is the untimely response to my completions of application of my loan after the offer was accepted and contracts were submitted to WFM. Because of their untimely review and decision which took place 24hrs before my closing date, it caused me and my family to be homeless. WFM had all of my financial information over 60 days with constant submissions of updated documents prior to them receiving the contract, setting and confirming closing date. No information was provide to the reason of them cancelling my loan 24hours before closing, nor did they provide with what I qualified for other than the pre-approval letters which I received. WF also sent correspondence to the property that they pulled the loan from, why? No valid answers to their process was provided. My information was in their possession for more that enough time for thorough review and decision prior to closing. My closing was scheduled for XX/XX/XXXX at XXXX and I received a phone call on XX/XX/XXXX at XXXX EST with the conversation starting with " Ms. XXXX XXXX am sorry to tell you this ... '' I sent am email around XXXX EST the morning of XX/XX/XXXX requesting closing instructions. I never received a response other than that phone call at the end of the business day. 

A simple apology does not correct the problem nor does it provide me with a home to live now that their negligence has caused me and my children to be homeless. They confirmed closing date, I ended my rental agreement with a schedule move out of XX/XX/XXXX. A apology does not cover the cost of monies lost due the contract termination date. Had WF done their due diligence in a timely manner, I would have been eligible for a refund. Due to WF not responding, lack of communication and sense of urgency to the deadlines set forth in the contracts that are required, I was not eligible for a refund of $ XXXX for offer placement, {$650.00} for appraisal and {$870.00} for inspection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have made 8 payments of {$1700.00} through XXXX Bill Pay recorded confirmed payments to XXXX XXXX yet, XXXX XXXX has damaged my 100 % payment history by reporting continuous damaging lies. Dropping my scores down 200 points after decades of caring and making payments 100 % on time. XXXX XXXX for example reported on XX/XX/XXXX to XXXX  that the loan # XXXX was delinquent in XX/XX/XXXX, lies again as I have a first payment letter that states XX/XX/XXXX. I am currently paid through XX/XX/XXXX. In addition in a prior complaint in XX/XX/XXXX with the CFPB, a director for XXXX XXXX states he is crediting a unnecessary legal fee of {$950.00}. to add it back on XX/XX/XXXX the last statement populated or available to view as of today XX/XX/XXXX. Where is my XXXX statement? that I should have received prior to XX/XX/XXXX. For over 6 MONTHS XXXX XXXX is purposely damaging my reputation and credit scores for No reason. They get a Direct payment from me and they are not included in any Chapter XXXX. In fact they acknowledge receipt from XX/XX/XXXX by a Mr. XXXX Director for XXXX XXXX to the CRPB back then!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: UPGRADE, INC.
State: ID

Complaint narrative:
I called and paid off my account with one of Upgrade 's representatives on XX/XX/2021. ( Customers are not allowed to pay off accounts using their online portal. ) I paid off exactly what the representative told me was the balance, {$1400.00} from my XXXX XXXX account. The payment cleared my bank account on XX/XX/2021. Almost immediately there was a charge on my account for {$9.00}. I called to dispute that and got put on hold XXXX, so I wrote an email. I received a response from Upgrade saying Id hear from someone within 24 hours. Its two weeks later and no one has responded to my email yet. Ive called several times and the hold time was never less than 30 minutes. I called on Sunday XX/XX/2021 and eventually got ahold of a representative who acknowledged my payment and that someone on his end had applied my payment incorrectly, resulting in the {$9.00} charge against my account. He submitted a work order to fix this and said I should see it repaired on Monday or Tuesday, XX/XX/XXXX or XXXX, 2021. It wasn't taken care of. But now I am showing a deposit of {$9.00} in my bank account. I called again yesterday, XX/XX/2021 and spoke to a less than intelligent representative who told me that I had overpaid my account and I had a credit balance. I told her credit balances do not result in a bill being issued for the same amount of money, and why would I have a credit balance when I paid off exactly what I was told to pay??? I repeated THREE times that I paid off this account and I do not owe this money, and that if I had a credit balance, it wouldn't be billed to me again! I asked what happened to the work order that was generated on Sunday?!? She went and placed me on hold ( AGAIN ) for several minutes and came back to tell me now that I had taken a charge for {$9.00} and I owed the money. NO, I didn't, I don't have a card for them and there was no transaction for {$9.00}. She just didnt understand what I was saying and asked to speak with a supervisor. She put me on hold ( AGAIN ) and after a few minutes repeated everything I typed earlier in this complaint. I said I wanted to speak with a SUPERVISOR, not her, and she put me on hold ( AGAIN! ) and left me for several minutes and came back to say her supervisor would call me back within the hour. Guess what? No one called me yesterday at all, nor today, XX/XX/2021. Im still waiting. And then to top it off, I just received an email saying Upgrade is drafting my bank account {$500.00} on XX/XX/XXXX AFTER I had paid it off. Ive had it with this incompetent company. Since no one has either called me back, written a response, or cleared my account from this {$9.00} balance, Im filing this complaint and will stop all payment draft requests from Upgrade.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-17 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: NC

Complaint narrative:
I contacted the company about a late payment that was inaccurate for XX/XX/2020 During the Global Pandemic

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I contacted the company about a late payment that was inaccurate for XX/XX/2020 During the Global Pandemic

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: NC

Complaint narrative:
I contacted the company about a late payment that was inaccurate for XX/XX/2020 During the Global Pandemic

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I ask you to figure out the origins of fraud accounts. I am victim of identity theft and I want you to apply some actions towards removing them from my credit report. Its not fair that I have 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 explanation
Consumer complaint received 2021-06-17 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: FL

Complaint narrative:
I ask you to figure out the origins of fraud accounts. I am victim of identity theft and I want you to apply some actions towards removing them from my credit report. Its not fair that I have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: NC

Complaint narrative:
I have sent investigation and dispute letters on the following dates : XXXX XXXX XXXX XXXX Not only have they not performed any investigation into these items like I requested, but they have not sent me any investigation results by mail. This is a DIRECT VIOLATION OF MY RIGHTS! I have tried to be nice, and respectful, but the bureaus have ignored my requests to investigate these accounts that are reporting incorrect information on my credit reports. The following items should be removed from reporting to my file immediately because they have not investigated them in the time allowed by the FCRA laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I tried to get Treasury Direct Form 5444 filled out verifying my identity. The banker claimed he could help me. I had an appointment and wasted my time and money going over there to say he couldn't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: MO

Complaint narrative:
I took over the mortgage on my mother 's house in XXXX. The mortgage was with XXXX XXXX at that time. They were supposed to turn the mortgage over to me, however they drug out the procedure for NINE months, then sent me a registered letter telling me that I could not have the mortgage because they were turning it over to another company. It was turned over to Fay Servicing. XXXX XXXX told me there would be no changes in the mortgage, I would still pay {$520.00} a month. That did not happen. Fay Servicing tried to raise my payments by almost {$200.00} a month. I told them there was no way I could pay that, so they changed the amount to {$590.00} a month. Recently however my payments are now {$710.00}. I know the intrest rate can change on a mortgage, but they raised the principle of the mortgage. When the mortgage was turned over to them it was around {$66000.00} in XXXX. It was originally {$83.00}, XXXX in XXXX when my mother refinanced the house. Fay Servicing raised the principle to {$72.00}, XXXX. I HAVE NOT refinanced my house. I know interest rates can vary, but I do not think the principle can be raised ( I know the difference between interest and mortgage ). Every single review I have read about Fay Servicing is negative. I did not choose that company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Hello. This was CFPB Complaint XXXX for Experian and now it is this CFPB Complaint ... Just so you know, that is. With that said, upon trying to mail Experian at XXXX today, XXXX, I found out that I can NOT mail ANY information to Experian because they have provided me with NOT a thing other than a P. O. Box which is 100 % UNacceptable. In other words, know I require a Mailing Address for XXXX and have yet to be given one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
In XX/XX/XXXX, my ex girlfriend of 4 years and I ended our relationship. However she had access to all of my sensitive personal information. From XX/XX/XXXX to XX/XX/XXXX, there were several failed attempts at using this information to create loan or credit accounts. However it seems like there was one account for {$1000.00} that managed to slip through the cracks. I was notified about this from my XXXX alert center and have been working with them to do everything in my power to resolve this. 

I have attached an admission of guilt after she was caught destroying my home computer by a mutual friend.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: FL

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Midland Credit Management contacted us about monies supposedly owed to other creditors. We indicated, at the time of the initial call, that some of the monies were indeed owed, but not all. Midland failed to provide proof of what they were attempting to collect. We offered a settlement offer, based on what we felt we owed, to clear it up, but they refused to be reasonable. Not only did they refuse our attempts to settle, but they continued calling us even after we told them to stop. Calls came in before XXXX our local time, and after XXXX. They just wouldn't stop. We've even took several of their illegal phone calls just to try and settle the account. They wouldn't budge, and just continue to call. This is harassment. They've now filed a lawsuit, and continue to call, even though we've told them to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17 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: MO

Complaint narrative:
Hello. This was CFPB Complaint XXXX for Equifax and now it is this CFPB Complaint ... Just so you know, that is. With that said, upon trying to mail Equifax at XXXX today, XXXX21, I found out that I can NOT mail ANY information to Equifax because they have provided me with NOT a thing other than a XXXX XXXX XXXX which is 100 % UNacceptable. In other words, know I require a Mailing Address for Equifax and have yet to be given one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Somebody i opened a td bank account in my name and had checks and debit card mailed to my house otherwise i would have never known. They have access to my social somehow and did this online

Company response to consumer: Closed with non-monetary relief