vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: TX

Complaint narrative:
At the beginning of the pandemic I accidentally opted into a Loss Mitigation program. I have called around the 30th of each month since XXXX to be removed from this program so that I may make payments online- once one is opted into this program they can not make online payments and must call to arrange for payment which also incurs processing fees. During one of these calls ( XX/XX/XXXX or XXXX ) I called and arranged for payment and requested to be removed from loss mitigation yet again- my payment info was taken, processed, and was misapplied. Each consecutive month since, my statement has shown as past due despite paying by the XXXX of each month- NO payments have been missed. My monthly mortgage is {$1500.00} and I am now showing as > {$4500.00} past due- again, NO payments have been missed. 

At the request of customer service, I emailed screenshots on XX/XX/XXXX of my bank statements with proof of the funds leaving my account each month. An automated email informed me I would receive a response back within 24 hrs. I did not receive an email so I followed up on XX/XX/XXXX @ XXXX CST and received a response within minutes. I was informed by XXXX XXXX that she was working on my account and would provide status very soon. I did not hear from her. I emailed again XX/XX/XXXX and XXXX both emails I have not received response to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am writing this letter to you in reference to Navient Account Number : XXXX disputing late payment items reported by Navient to XXXX and XXXX for the period of XXXX XX/XX/XXXX. 

I graduated from XXXX XXXX University in XX/XX/XXXX and began paying off a total student loan debt of approximately {$22000.00}. Over nearly two decades, I diligently made payments to Sallie Mae Servicing and always took my student loan commitment seriously. It was a great feeling in XXXX  to write my final check to Sallie Mae and pay off my student loan in full. During that same period, my loan was sold from Sallie Mae to Navient. And to my surprise, I subsequentially learned that I still owed a very small amount ( approximately {$700.00} ). 

I explained to Navient that I was unaware of the outstanding amount and paid it immediately it. Why would I have paid my student loan for all those years only to make my final payments late? I was very concerned about my credit report and requested that Navient not report my account past due. But was assured that the negative items would be removed. Unfortunately, that never happened. I have repeatedly disputed these negative via electronic means because Navient refuses to take any phone calls on the matter and forces me to correspond only via mail or facsimile. 

On XX/XX/XXXX, I filed complaint # XXXX with the Consumer Financial Protection Bureau. Navient responded by listing the exact dates of notification and attached a scan of a letter that was sent. That documentation cleared up the reason why I was unresponsive and unaware of the remaining debt. During the referenced time period, I had moved from XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX to XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX. Navient correspondences were sent to the wrong address. 

I have been negatively impacted for years. Given this mistake, late payments should be removed. This inaccurate, unfair, and not in compliance with the Fair Credit Report Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: MI

Complaint narrative:
it has been more than 30 days since i have mailed in my disputes and ftc report to Experian and i have not heard anything from experian at all. they are playing with peoples lives, not doing there jobs acting like they have not received peoples disputes or ftc reports. the inquires listed on my FTC REPORT are fraudulent inquires and should be deleted immediately. i have filed a identity theft report to the ftc and included that report along with my disputes. there will also be a copy of my social security card and state id so Experian can identify me and not close this complaint out by saying i didnt send this complaint or this is not authorized by me XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NM

Complaint narrative:
ACE CASH EXP/POPULUS Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX THE XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX Both of these business did a soft inquiry in my name that I did not request. I have never even been to XXXX, TX so I find it very suspicious both of these companies located there attempted to secure a loan in my name without my knowledge or consent. Please let me know what further steps I should take in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, I have over {$5000.00} in fraud charges on the BofA edd debit card! I have been trying for days to get in touch with BofA disputes dept on hold for hours and they are not answering the phone. They will not do the dispute at an office my only option is the phone disputes dept. By law they have 10 days to return the money to my account but that starts when they accept the dispute if they don't accept the dispute then the clock doesn't start! Please help. Thanks

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 2020-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: CA

Complaint narrative:
I am submitting this complaint because CREDIT CONTROL CORP has damaged my financial emotional life. They have been being negligent with their report. The account involved is the following : Account : XXXX Date Opened : XX/XX/2018 Original Balance : {$570.00} I am demanding the item completely removed from my reports. My demand is based on the following actions by this company Re-aging account., Unfair business practices., Negligence., Failure to provide customer adequate customer service., Violation of CCRA., inconsistent report across bureaus., Failed to mail adverse notices., emotional stress, credit score drop, etc.

Please send the attached documents to the company.

Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Southwest Business Corporation
State: TX

Complaint narrative:
On XX/XX/2020 I submitted an application to refinance my mortgage along with required documents to SWBC Mortgage Corporation, NMLS # XXXX. Upon SWBC request, I paid {$500.00} to SWBC for an appraisal. The appraisal was completed on XX/XX/2020. It is has been over 60 days later, and I am still waiting and to no avail. Additionally, I have been asked to re-submit documents I have already submitted because they have expired due to the delay on the part of SWBC. I do not want to wait until the rates go up or continue submitting expired 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 2020-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
This complaint deals with a Covid-19 forbearance which I was approved for the months XXXX thru XXXX and then to continue payments as of XXXX. 
The problem is the months ( XXXX thru XXXX ) are showing up on my monthly statements as delinquent. 
I called my mortgage company and was informed that I would be getting forms to sign to have the months in questioned rolled to the end of my mortgage term. I was informed that these forms were to be sent out on XXXX. I have not received these forms. 
I stopped in to my mortgage branch after receiving my XXXX statement to make payment which showed I owed for the months XXXX thru XXXX. When I informed them of this issue, I was assured not to worry about the months that are in forbearance and that this would be taken care of on the next months statement as I should be receiving the forms to sign. 
I stopped in to make a payment for my XXXX statement and I informed them that I still have not received the forms to sign, this statement is showing a delinquency for the months ( XXXX thru XXXX ) which are to be in forbearance. I stopped in and talked to them again about this issue not being resolved. I was then informed that it would be taken care of on my next statement. 
Monthly statement XXXX is still showing delinquency, I then again went to my mortgage branch to inform them that the issue has not been resolved, again I was told it would be taken care on the next months statement. 
Monthly statement XXXX still showing delinquency and that my last payment was unapplied to my mortgage. I again went to my mortgage branch informing them of this. I was talking to a customer service rep and was given a tracking number ( XXXX ) for the forms that I need to sign to have the months in questioned rolled to the end of my mortgage term but when I looked up the tracking number it states that it's pending which means that my mortgage company has not sent the forms out for me to sign. 
Monthly statement XXXX still showing delinquency and that my last two payments are unapplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: OH

Complaint narrative:
XXXX  is stating I have " COLLECTIONS '' that is effecting my credit score and I have not collections in the " collections sections '' Please see attachments with dates. Please correct the error.

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 2020-10-27 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:
Equifax is stating I have " XXXX '' that is effecting my credit score and I have not collections in the " collections sections '' Please see attachments with dates. Please correct the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: TX

Complaint narrative:
XX/XX/2020 U.S.P.S. Tracking # XXXX Experian To Whom It May Concern : This information is being sent directly thru me. I have provided all of the needed Identification documents that Experian requires pertaining to ID Theft requirements.

This complaint needs to be taken seriously. The certified letter was sent to Experian by me.

Please be advised in my previous letter to you, dated XX/XX/2020, I provided sufficient information to you requesting you to block the reported information under the provisions of FCRA 605B, and it was NOT a dispute under the provisions of FCRA 611. Please be advised that Experian, at this time and pursuant to section 605B ( c ) of the Fair Credit Reporting Act, is not blocking the information subject to the submitted Identity Theft Report and/or Police report provided to you as part of my dispute. Your lack of immediate response clearly violates my rights according to 605B. I reiterate my requirement from the XX/XX/2020 letter and demand that you take appropriate action to immediately block this information from my credit report. Transunion has deleted the reported information, and blocked the reporting of these from my current report. XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX Agencies must block identity-theft-related information. FACTA adds a new section, 605B, to the FCRA that requires agencies to block identity-theft related information within 4 days of receiving specified information : proof of the consumers identity, a copy of an identity theft report, the consumers identification of the fraudulent information, and the consumers statement that the information does not relate to any transaction by the consumer. The agency must also notify the furnisher of the block, and Furnishers must implement procedures to prevent them from re-furnishing such information ( to anyone, apparently, not just the notifying agency ) 15 U.S.C. 1681c-2 ( a ). Since you have failed to comply with FCRA requirements by not blocking thisinformation within 4 days from the letter date to you, I have filed this complaint with the CFPB for your failure to comply with FACTA regulations. The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend to turn this matter over to an attorney for review and possible legal action. I appreciate your prompt attention to this matter Sincere regards, XXXX XXXX XXXX ATTACHMENTS IDTheftReport.pdf ( 140.1 KB ) DL.pdf ( 83.1 KB ) pdf-0089-fcra-605b.pdf ( 65.5 KB ) Experian fraud.odt ( 12.5 KB )

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 2020-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I contacted Suntrust and they said my account is frozen and will be closed after an investigation. I had this happen prior when I had my relatives UE and stimulus check deposited with their permission. I recently deposited a XXXX XXXX insurance check of amount of XXXX. This is my daughter who lives with me and her name was on the check along with mine. They did not tell me my bank account ( *savings and checking ) were frozen until I called them. They are investigating for fraud. I have not deposited any other checks into my account. I opened another account for my relatives UE at XXXX XXXX XXXX in which I help him manage his funds. I have a signed authorization from him that was previously submitted. I have to pay my house payment by the XXXX and I have no funds to pay this with. I have also been diagnosed with XXXX XXXX and just finished treatment and I am a single parent. This money is vital to our well being. Can you please check on why this is happening for me?

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 2020-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 
Please investigate and remove the following inquiries from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.

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 2020-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Profit Services Group
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns at 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 2020-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 
Please investigate and remove the following inquiries from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC

Complaint narrative:
On XXXX XXXX Fair collections and outsourcing, added a derogatory mark on my crredit report per XXXX XXXX, upon further research, this account was transferred /sold and iam no longer responsible for the account.Debtors creditors did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, aFair collections and outsourcing has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.

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 2020-10-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC
State: SC

Complaint narrative:
I have submitted a detailed letter to New Day Financial which I am mailing a copy to you, explaining my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize. i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2020-10-26 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: MD

Complaint narrative:
XXXX has continued to incorrectly report to each of the credit bureaus ( XXXX, XXXX, Transunion ) that my student loans were late when, in fact, they were not. The dates in question are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During each period my loans were in forbearance. 

I have incessantly provided forbearance documentation signed by XXXX contradicting their claims yet they refuse to correct the erroneous reporting.

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 2020-10-26 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: MD

Complaint narrative:
XXXX has continued to incorrectly report to each of the credit bureaus ( Equifax, XXXX, XXXX  ) that my student loans were late when, in fact, they were not. The dates in question are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During each period my loans were in forbearance. 

I have incessantly provided forbearance documentation signed by XXXX contradicting their claims yet they refuse to correct the erroneous reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX has continued to incorrectly report to each of the credit bureaus ( XXXX, Experian, XXXX ) that my student loans were late when, in fact, they were not. The dates in question are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During each period my loans were in forbearance. 

I have incessantly provided forbearance documentation signed by XXXX contradicting their claims yet they refuse to correct the erroneous reporting.

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