vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: IN

Complaint narrative:
XX/XX/XXXX - We received an Escrow overage check dated XX/XX/XXXX from Caliber Home Loans for {$2600.00}, leaving a {$1100.00} Escrow Balance, resulting in an escrow shortage to pay XXXX taxes & insurance. Taxes & Insurance are estimated ( as shown on statement ) to be {$3500.00} for XXXX. After leaving the shortage in our escrow account by sending us the overage check, they then raised our mortgage payment by adjusting the escrow payment from {$290.00} to {$290.00} ( raising our monthly mortgage payment from {$1100.00} to {$1100.00} ), which to me seems completely unethical! Also, this raise in monthly payment will still leave our escrow account short to pay taxes & insurance. I spoke w/Caliber Loan Rep who stated they would still pay the taxes & insurance if there was a shortage, to which I replied, then you would raise our mortgage again after you do an analysis and find there was the shortage! They are basically scamming by shorting our escrow account for tax/insurance payment, and then turning around and raising our mortgage payment again!! We had enough escrow to cover taxes & insurance before they sent us the overage. This seems totally unacceptable, unethical and a total scam. They are getting more interest each time they raise our mortgage payment so I believe this is the reason they are doing this. I could understand if they sent us a check for an overage, but leaving enough in escrow to pay for taxes & insurance, not a shortage and then turn around and raise our mortgage payment due to the shortage THEY caused!! They also told me that if we put the money back into escrow, it would not bring our mortgage back down to what it was originally. This is COMPLETELY UNETHICAL!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I received a bank statement from Bank of America. I never opened a Bank of America account. I called customer service and was told they closed the unauthorized account and flagged it for fraud.

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 2022-01-25 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: MA

Complaint narrative:
I recently pulled my credit report and noticed credit inquiries that I do not recognize, unauthorized and are NOT mine. I must have been the victim a cyber hack or identity theft. These non account holding inquiries with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are NOT mine. I do not recognize and did not authorize them. These inquiries are fraudulent. To my knowledge, I have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FCRA ) sec, 1681b ( c ) : transactions NOT initiated by consumers.

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 2022-01-25 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: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
I am continuously being harassed by collection agencies with illegal threats over debt that is not mine. I have notified the bureaus of identity theft but XXXX and XXXX refuse to help me to remove them. I never signed up for any of this debt. These creditors and and the bureaus need to remove this false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am requesting the CFPB to intervene in hopes to come to some resolution with Suntrust Bank. Since falling past due on my mortgage I had reached out to Suntrust right away and have been working with Suntrust for almost 2 years now. I have submitted numerous packages for assistance and each time Suntrust has denied my request for mortgage assistance each time shifting the blamed it many bogus reasons. Most recently I submitted on XX/XX/XXXX and was denied on XX/XX/XXXX. Per the Suntrust the file was declined because the income they used was {$6700.00} but when I sent them my proof of income and financial worksheet along with P & L as requested the income I provided was {$8600.00}. 
I went as far as sending them the following letter for appeal and request for the NPV results showing how they came to their calculations but upto this date they have not provided me with the NPV denial results and issued me foreclosure sale date on my home for XX/XX/XXXX. 

This issue with Suntrust is not the first time they have used incorrect income and refuse to provide me with the denial NPV results. 

I have even Offred {$20000.00} towards the delinquent amount in hopes to come to a resolutions, Suntrust has been in violation of dual tracking Respa and Tila laws but refuse to help. 

Fax to Loss Mitigation Appeal Dept XXXX Denial Dispute - I XXXX XXXX are writing this letter to dispute the invalid reason for denial on my loan modification request. Per the denial information the reason for denial is the income used to make this decision was Net income of {$6700.00}, this income is not correct! The income I presented and on the financial forms, bank statements and Profit & Loss shows my income at Net {$8600.00} I'm asking SunTrust to properly review my financials to be reviewed again for assistance. I am asking SunTrust to place the amount I owe to the end of the loan so that I can continue with my payments. Even if the loan payments go up that's okay, I just need to save my home for my kids. Please help me. 

I am resending the documents attached that where last previously present for further review.

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 2022-01-25 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: CA

Complaint narrative:
I am continuously being harassed by collection agencies with illegal threats over debt that is not mine. I have notified the bureaus of identity theft but TransUnion and XXXX refuse to help me to remove them. I never signed up for any of this debt. These creditors and and the bureaus need to remove this false information.

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 2022-01-25 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: CA

Complaint narrative:
I am continuously being harassed by collection agencies with illegal threats over debt that is not mine. I have notified the bureaus of identity theft but XXXX and Equifax refuse to help me to remove them. I never signed up for any of this debt. These creditors and and the bureaus need to remove this false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: FL

Complaint narrative:
for the last six months i have been disputing inaccurate derogatory information on my credit report. XXXX XXXX XXXX, XXXX, XXXX, and transunion have all re-aged these debts on my credit report and have reported either missing or inaccurate payment history which is a FCRA violation. the last round of disputes i mailed off were around XX/XX/XXXX, i asked for my results to be sent to me via usps mail but nothing ever arrived. due to these inaccurate unverifiable items on my credit report i have been deprived of acquiring new credit. this account has been re-aged due to an inaccurate date of first delinquency. 

XXXX REMOVAL DATE XX/XX/XXXX XXXX REMOVAL DATE XX/XX/XXXX TRANSUNION REMOVAL DATE XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25 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: FL

Complaint narrative:
for the last six months i have been disputing inaccurate derogatory information on my credit report. XXXX XXXX XXXX, XXXX, equifax, and XXXX have all re-aged these debts on my credit report and have reported either missing or inaccurate payment history which is a FCRA violation. the last round of disputes i mailed off were around XX/XX/XXXX, i asked for my results to be sent to me via usps mail but nothing ever arrived. due to these inaccurate unverifiable items on my credit report i have been deprived of acquiring new credit. this account has been re-aged due to an inaccurate date of first delinquency. 

XXXX REMOVAL DATE XX/XX/XXXX EQUIFAX REMOVAL DATE XX/XX/XXXX XXXX REMOVAL DATE XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
CREDIT REPAIR CONSUMER LAWS : Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

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 2022-01-25 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:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
CREDIT REPAIR CONSUMER LAWS : Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2022 I made a payment by way of XXXX through sun trust bank to a person but the name of the person I sent the money to was correct but the phone number was wrong. After calling online banking with Suntrust bank and being on hold for 43 minutes XXXX with online banking told me if I make a mistake on one thing it is up to me to find the person that the money went to and get it back on my own and it is nothing that sun-trust bank can or will do. As of today the money is lost. That number to the suntrust on line banking is 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 2022-01-25 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo continually fails to investigate this matter with the utmost customer consideration and care that it deserves.. Wells Fargo has stated that previous modification was approved and you did not accept the modification. Wells Fargo 's " modification '' was not an assistant modification that would help me keep my home. Rather it consisted of me retaining the same toxic loan options as before and having to come up with a considerable about of upfront cash that i simply did not have. They were able to continue to force foreclosures on it's customers due to the settlement involving Pick-A-Payment loans not requiring modifications or payment assistance options be approved. Any assistance was all based on Wells Fargo 's unfair and discriminating loan evaluations. Then after foreclosing without seriously evaluating my financial means they go on to state that they're unable to determine the specific concerns that I have about my credit report ... How out of touch is that!

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 2022-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Contacting yall about Consumer Financial Protection Bureau Complaint No : XXXX because I am still having issues trying to pass the security check after trying to add a card or a bank or view my PayPal card information after trying to leak different phone numbers it keeps saying numbers are not supported account email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
Chrysler Capital gave me a payoff quote I paid the asking amount they cashed the check from XXXX XXXX and will not release my title now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Receiving bills for a credit card that I do not have and never opened. Showing up on my credit report and unable to report fraud the the credit card company even though Ive made numerous attempts. Credit card company is Wells Fargo.

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 2022-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
This agency representative XXXX called me back in XXXX saying she was from XXXX XXXX and XXXX, claiming that M & T Bank was going to take action to sue me for a charge off that that I supposedly had in XXXX. I said I know of no such debt and she said call M & T bank charge off and recovery to straighten out. I did call them and they search my name all the way back to XXXX. No charge off was ever placed against me, and that thay use their own collection service that its probably a scam. Then Yesterday again I get this call from XXXX XXXX with same information. When I told her I talked with M & T bank, she got uptight and said with charge offs and recovery, I said yes and she said is this the last four digits of your ss number and stupid me said yes, but I have no debts and that M & T bank told me it was a scam. XXXX immediately said said your refusing to pay, I said I owe nothing and she told me they will proceed with legal processing and hung up. I have the phone numbers off my phones that I do not recognize but believe is how they called me and left the voice XXXX and XXXX, the number to call back was XXXX. I called her back and said they are to cease a and assist calling me that I was hiring legal lawyer to handle this matter. What scares me is they have my ss last four digits please advise

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 2022-01-25 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: NJ

Complaint narrative:
Receiving bills for a credit card that I do not have and never opened. Showing up on my credit report and unable to report fraud the the credit card company even though Ive made numerous attempts. Credit card company is 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 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
My mortgage loan with Shellpoint Mortgage Company was in deferment during Covid in XX/XX/2021. I contacted Shellpoint to remove the deferment as of XXXX I went through a trial period and passed. I was later offered another plan that would reduce my payment and negate the current plan. My mortgage resumed active status in XXXX after a FedEx package was delayed due to XXXXCovid related delays. I now have late reporting on my credit report due to the mishandling of my file. I was originally told that the lates would stand because I missed a XXXX deadline. I later have an email and tracking number that states the package would not arrive to me until XXXX. I was told the negative reporting would stand due to not being returned by XXXX when the package had not even been received by XXXX. I am now experiencing major delays on my new build because of these erroneous reports and I am unable to speak to any one at Shellpoint who has the authority or the want to help resolve this issue.

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 2022-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I got a phone call from a phone scammer saying I owed debt to a company Ive never talked to. They knew my name as well. XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Professional Finance Company, Inc.
State: NM

Complaint narrative:
Professional Finance Co. is in violation of my federally protected consumer rights.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25 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: Global Lending Services LLC
State: FL

Complaint narrative:
My credit was pulled so many times for different loan companies for a car loan with out my authorization, i was only advised my credit would be used for a specific credit loan company called XXXX XXXX XXXX, whom i currently have my car loan with now. I was not notified that they would misuse my personal information and have my credit pulled as many times as they did. Now i have all these hard inquiries of different car loan companies on my credit that are affecting my score and i need them removed so my score can go back up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My credit was pulled so many times for different loan companies for a car loan with out my authorization, i was only advised my credit would be used for a specific credit loan company called XXXX XXXX XXXX, whom i currently have my car loan with now. I was not notified that they would misuse my personal information and have my credit pulled as many times as they did. Now i have all these hard inquiries of different car loan companies on my credit that are affecting my score and i need them removed so my score can go back up.

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