vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Williston Financial Group
State: FL

Complaint narrative:
I am sorry at my Complaint ID XXXX XXXX - XXXX submitted on XX/XX/2020, I wrongly put XXXX XXXX XX/XX/XXXX Account number instead of the WFG file number as my Complaint IS NOT with XXXXXX/XX/XXXX but with WFG Lender services & their File/Escrow No. XXXX. 
With this I just want to clarify this fact and my mistake. 
I hope to will VOID my previous Complaint ID XXXX XXXX - XXXX submitted on XX/XX/2020 and take this one as the actual COMPLAINT. 
MY PREVIOUS COMPLAINT We closed the refinancing from XXXX XX/XX/XXXX and WFG Lender Services ' Representative came to our house and we signed all required loan disclosures on XXXX XX/XX/2020. The Closing disclosure shows the disbursement of our balance loan payment to XXXX on XX/XX/2020 and the balance of the 1st mortgage loan as {$340000.00}. However, the WFG Lender service representative failed to wire the funds until XX/XX/2020. Further the XXXX payment shows that the actual payment made to XXXX bank was $ {$340000.00}. This means that WFG Lender services still holding our balance of {$65000.00}. I am unable to get hold of the Escrow Officer Ms. XXXX XXXX on telephone and she failed to return my calls. 
In addition, WFG lender Services failed to respond to my email letters too as of this day. A copy of the email is enclosed herewith. Failure to return the overpaid Escrow money to the customer even after around four weeks and failure to provide full disclosure of the Escrow money and return this to the customer promptly is not only unethical practice but it may be even illegal practice. Nobody seems to respond to my telephone calls and not even my email letters. I am NOT sure if they just want to pocket this escrow money. I hope you may be able to take the appropriate action about such unethical & illegal practices of WFG Lender services which is also Title company. I and my wife are retiree and hoping to seek you help on this matter. 
Thank you for your help and have a great day. 
XXXX XXXX, My Cell Tel XXXX XXXX XXXX, My email Address : XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-07 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: Professional Finance Company, Inc.
State: CO

Complaint narrative:
Professional Finance Company or PFC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Put a negative report on my credit report. We have tried to contact them with no response we also sent via XXXX  with a signature required letter they did sign for the letter but refuse to respond to us. 
Don't understand why they are in this business if they can't respond after placing a negative report on my credit.

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 2020-12-07 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: LA

Complaint narrative:
I recently started to monitor my credit with extra time on my hands this year with me not being employed and I notice someone has stolen my identity I have several fraud accounts in my name I have tried getting this resolved credit agencies and they are not helping ..

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 2020-12-07 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: LA

Complaint narrative:
I recently started to monitor my credit with extra time on my hands this year with me not being employed and I notice someone has stolen my identity I have several fraud accounts in my name I have tried getting this resolved credit agencies and they are not helping ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Hello, I have an issue with a Chase credit card. One of my oldest credit card account in the credit history has been closed. I made the last payment on that credit card in XX/XX/2019 and last transaction was in XX/XX/2019. I, then travelled to XXXX to take care of family for a few months but got stuck here because of the pandemic. I was supposed to come back in XXXX, but the government of XXXX imposed a nation-wide lockdown in mid XXXX for about 3 and a half months, followed by some strict international travel restrictions. I was just able to come back in XXXX. As I was out of the country, I didn't use a lot of credit cards. For security reasons, I like to use local currency cash while traveling internationally. Apparently Chase closed my account, because it was inactive. However, my other credit cards were inactive as well, but they were not closed. I tried talking to Chase credit card department but was told that there is nothing that they could do and it can not be reopened. My credit card was inactive for less than a year, for about 9-10 months, I do not think they should close the account. Also, my credit scored has dropped, because this was oldest credit account on file and had a decent amount of credit limit. I am trying to buy a house and all this factors could play a huge role in my mortgage and interest rates. Please look into this matter and I would like to get that account reopened. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I was on vacation in California, when I was robbed by XXXX XXXX. He is a XXXX XXXX in California. He demanded my cell phone, wallet, debit/credit cards, and PIN numbers, and my XXXX rental car ( XXXX XXXX ). 

This occurred in XXXX, CA on XX/XX/2020. I attempted to contact Navy Federal to close my card, but without a cell phone, hotel long distance, and without knowing my NFCU Access Number, I was unable to get in contact with anyone until several days later. 

I filed a police report which detailed the auto theft ( separate case number ) and the theft of my wallet, phone, cards, etc. I provided that information to NFCU as soon as possible. I was told that my claim was assigned to a claim 's examiner and would be processed as soon as possible. 

I then received a letter telling me that " No error occurred '' and after reviewing my claim for just one or two days, I was told that the decision was final. I attempted to appeal the decision under Regulation E, but was told that my claim was closed and no further changes could be made. 

Mr. XXXX not only accessed my debit card, but also my government ID badge, SSN, Passport Card, and other private information. I have filed a request with the SS Admin to get a new SS Number and I had to change my phone number because Mr. XXXX was attempting to access other financial information and my credit report and I use 2FA for most of my apps. 

The XXXX, CA PD recovered my car, wallet, and phone the Tuesday after it was stolen, but by this point, over {$3800.00} in funds had been stolen and used. 

XXXX PD said that he was seen on camera withdrawing my funds at a " XXXX XXXX XXXX '' ATM in downtown XXXX in the middle of the night. I presented these facts to NFCU, but my claim was still denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-07 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have had a collection account which I resolved with the company they gave me a written statement that the trade line would be deleted completely like it never happened before. I sent the documents to the credit reporting agencies but it still shows in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: TN

Complaint narrative:
I need the fraud alert on my Experian credit report removed. I have requested that is be removed and have not had any success. I am including in this complaint all of the identification Experian says they require to remove a fraud alert. Items attached to this complaint are a copy of my photo ID, my social security card and proof of my address.

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 2020-12-07 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: CA

Complaint narrative:
I have had a collection account which I resolved with the company they gave me a written statement that the trade line would be deleted completely like it never happened before. I sent the documents to the credit reporting agencies but it still shows in 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 explanation
Consumer complaint received 2020-12-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have had a collection account which I resolved with the company they gave me a written statement that the trade line would be deleted completely like it never happened before. I sent the documents to the credit reporting agencies but it still shows in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Im filing this complaint against experian XXXX XXXX and XX/XX/XXXX credit reporting agencies. All three bureaus. I have tried reaching out to all three credit reporting agencies / bureaus about the inaccuracies, incorrect outdated information on my credit report and about fraud. Since XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020. I have enclosed evidence of debts not mine and evidence of fraud and someone forging my signature on documents and all 3 credit bureaus has updated my credit profile with information that didnt come from me nor the creditors and I have written them several of times asking them to remove all emails that is linked to my credit profile through all third parties companies that does alerts and monitor my credit to my credit profile to stop the fraud. Street address thats 5-30 years old and someone has been repeatedly running my credit without my permission. All 3 bureaus has ignore to investigate, communicate me back to me with a veritable Petson that works at the disputing department to fix the situation.. They have lowered my credit score for no reason. They are in violation of the FRCA and they are violating my constitution rights and hurting my credit reputation. Injury and crippling me in major ways as a consumer. They fail to respond to any and all of my complaints.

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 2020-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I receive emails almost every day from this company and they state that if I dont respond they are going to return it to the client who will forward it to a lawyer to file suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: TN

Complaint narrative:
My address and phone number has changed. I let the company know but they have not updated it. I have attached the required identity documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: CO

Complaint narrative:
I recently pulled my equifax credit report and noticed several fraudulent inquiries on my equifax credit report. To my understanding according to the FCRA, legally these unverified and unauthorized items must be removed. I have already reached out to the the companies in questions and I was instructed by the companies in question to contact equifax directly for the removal of these inquiries directly. 
The fraudulent inquiries are below : XXXX XXXX pulled my credit without my permission on XX/XX/XXXX XX/XX/XXXX Pulled my credit without my permission on XX/XX/XXXX XX/XX/XXXXXXXX pulled my credit without my permission on XX/XX/XXXX I've attached all my ID and identifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase closed my account with no clear reason while the account had over XXXX dollars in it. I attempted to get help in person and was only given a phone number and was threatened with security when I asked about my missing funds. When calling the number, I was just told they will eventually send a check and to not call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: TN

Complaint narrative:
My address and phone number has changed. I let the company know but they have not updated it. I have attached the required identity documents.

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 2020-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Im filing this complaint against XXXX XXXX XXXX and equifax credit reporting agencies. All three bureaus. I have tried reaching out to all three credit reporting agencies / bureaus about the inaccuracies, incorrect information Problems with company investigation wrong information such as old address wrong employers email address public information on my credit report and about fraud and identity theft and alike. Wrong name and social security numbers, reporting the same information 8 times to my credit reporting. Since XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020. I have enclosed evidence of debts not mine and evidence of fraud and someone forging my signature on documents and all 3 credit bureaus has updated my credit profile with information that didnt come from me nor the creditors and I have written them several of times asking them to remove all emails that is linked to my credit profile through all third parties companies that does alerts and monitor my credit to my credit profile to stop the fraud. Street address thats 5-30 years old and someone has been repeatedly running my credit without my permission. All 3 bureaus has ignore to investigate, communicate me back to me with a veritable Petson that works at the disputing department to fix the situation.. They have lowered my credit score for no reason. They are in violation of the FRCA and they are violating my constitution rights and hurting my credit reputation. Injury and crippling me in major ways as a consumer. They fail to respond to any and all of my complaints. I will send all evidence once someone reach out to me via phone XXXX please. I need to make sure that the person that is writing letters are real and work with the 3 credit bureaus please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: Nelnet, Inc.
State: TX

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT I have a student loan with Common Bond but Firstmark is the servicer. I applied for a forbearance in XX/XX/2020 and it was granted by the Note holder XXXX XXXX but Firstmark continues to report it late. I have all my e-mails and documents showing this but Firstmark and the credit bureaus have not corrected my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Im filing this complaint against XXXX trans union and XXXX credit reporting agencies. All three bureaus. I have tried reaching out to all three credit reporting agencies / bureaus about the inaccuracies, incorrect information Problems with company investigation pass 30-90 days passed. wrong information such as old address keep reappearing, identity theft fraud error, wrong employers, email address, public information on my credit report and criminal back, late payment history passed 7 years or more and about fraud and identity theft and alike. Wrong name and social security numbers, reporting the same information 8 times to my credit reporting. Since XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020. I have enclosed evidence of debts not mine and evidence of fraud and someone forging my signature on documents and all 3 credit bureaus has updated my credit profile with information that didnt come from me nor the creditors and I have written them several of times asking them to remove all emails that is linked to my credit profile through all third parties companies that does alerts and monitor my credit to my credit profile to stop the fraud. Street address thats 5-30 years old and someone has been repeatedly running my credit without my permission. All 3 bureaus has ignore to investigate, communicate me back to me with a veritable Petson that works at the disputing department to fix the situation.. They have lowered my credit score for no reason. They are in violation of the FRCA and they are violating my constitution rights and hurting my credit reputation. Injury and crippling me in major ways as a consumer. They fail to respond to any and all of my complaints. I will send all evidence once someone reach out to me via phone XXXX please. I need to make sure that the person that is writing letters are real and work with the 3 credit bureaus please

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 2020-12-07 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:
THIS IS NOT A DUPLICATE COMPLAINT I have a student loan with Common Bond but XXXX is the servicer. I applied for a forbearance in XX/XX/2020 and it was granted by the Note holder XXXX XXXX but XXXX continues to report it late. I have all my e-mails and documents showing this but XXXX and the credit bureaus have not corrected 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 explanation
Consumer complaint received 2020-12-07 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: CommonBond, Inc.
State: TX

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT I have a student loan with Common Bond but XXXX is the servicer. I applied for a forbearance in XX/XX/2020 and it was granted by the Note holder Common Bond but XXXX continues to report it late. I have all my e-mails and documents showing this but XXXX and the credit bureaus have not corrected my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: TX

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT I have a student loan with XXXX XXXX but XXXX is the servicer. I applied for a forbearance in XX/XX/2020 and it was granted by the Note holder XXXX XXXX but XXXX continues to report it late. I have all my e-mails and documents showing this but XXXX and the credit bureaus have not corrected my credit report.

Company response to consumer: Closed with explanation