vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUCCESS MORTGAGE PARTNERS, INC
State: SC

Complaint narrative:
My wife is shopping for home loan pre-approval and provided information to XXXX XXXX NMLS ID # XXXX ( XXXX ) XXXX XXXX and provided my S.S. Number which she copied incorrectly. XXXX took it upon herself to pull my credit via other means as she did t have to correct XXXX number. Also, when I had a conversation with XXXX XXXX I specifically asked if the credit pul would be a hard inquiry, which she informed me it wouldnt. I called to speak with her and she became irate yelled at me and then hung up on me. I would like the situation rectified as my XXXX XXXX has decreased because if this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: IA

Complaint narrative:
XXXX - I have multiple accounts with Iowa Student Loan. One is active, payments on time, one is involved in a lawsuit brought against them by myself and the others have been closed/paid in full or charged off. I called today, XXXX and was transferred to XXXX. I have ONE account that it going through litigation, I was NOT calling about this account. I was calling for information on the OTHER accounts being serviced by ISL. XXXX refused me any information on these accounts. XXXX refused to tell me any information about a tax form I ask for from 2018 ( well before litigation ) and XXXX is refusing me information about all my other accounts in which they service. XXXX disconnected the call refusing me information about my accounts, refusing me access to copies of my recorded called and then hung up the call. 

Account information for current accounts not in litigation and past tax information on my account, such as tax forms and questions should not be withheld from me. 

I have attached a copy of all the accounts held at ISL, only the PLP01 ( XXXX ) is in litigation - all others are active or closed. I should not be withheld information on those accounts.

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 2021-02-09 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: TX

Complaint narrative:
On XX/XX/XXXX TransUnion was sent a SECOND letter via certified mail ( copy attached ) detailing violations to 15 USC 1681. This corespondence was complete with detailed company names, account numbers, and law violated. A copy of state issued drivers license, and social security card were included. As of todays date TransUnion has not responded to any of the items questioned in that corespondence. On XX/XX/XXXX TransUnion responded to my first complaint with CFPB that they needed more information despite this same information being given to them in ( 2 ) seperate letters of correspondence.

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 2021-02-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX  XXXX XXXX TX XXXX XXXX  XXXX. XXXX  XXXX XXXX GA XXXX XX/XX/2021 RE : Social Security Number : XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by Exeter Finance in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see you have my account listed as a Derogatory and Charged off account. This account has already been disputed and removed from my XXXX credit report due to inaccuracies. 

I challenge the accuracy, compliance and reportability of this listing. 

Please validate this information with Exeter Finance and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, MD XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: OK

Complaint narrative:
On XX/XX/ 2021 at about XXXX XXXX a fraudulent company impersonating a XXXX XXXX  support representative was able to to gain access to my bank account and transfer two amounts from my bank account the first being {$190.00} and the second being {$950.00}. I filed a claim with chime bank and was denied any resolution. Chime bank sided with the scammers and refused to refund my money or even question the scammers leading me to believe that the scamming came from inside the bank itself which would explain how they were able to take control of both my savings and checking accounts. I thought banks protected their customers not sided with scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
I am trying to get an answer about my escrow account. 

I called and spoke to an individual who said my escrow account was negative. 

They said my escrow was only funded with {$2700.00} ( line g on my respa ), however, for line f on my respa with the prepaids, it was $ XXXX- this money is missing! They have no record of it even though it is in my closing documents and I paid it. 

I tried to talk to a supervisor. They called when I had a medical need and I could not talk. I asked them to call back in a half hour and they did not. Its been all day now. 

I would also like to close my escrow account due to this mismanagement. I was told I was eligible as of XX/XX/2021. I just wanted to get the funds settled because loan depot lost {$5200.00} in funds. 

My escrow account is showing an escrow advance of $ XXXX- this further adds to confusion and missing money. 

I asked for a detailed statement of my escrow- the representative said its online. But online doesnt show all the transactions. They told me they dont issue them, until I pressed and asked- then they said they would email it in 3 days. Still waiting for this statement. 

Also I have two tax appraisal districts- they said on the chat {$3200.00} ( school taxes ) but we also have {$1900.00} in local county taxes. The chat agent didnt say if this was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I am a XXXX employee and have been furloughed many of times in which I notified Bridgecrest and was giving a plan to put payments on the back end of my loan and pay them. However, the payments have been and are reflecting 30 and 60 days late which is incorrect. I have since then not missed a payment and have paid off the loan in its entirety.

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 2021-02-09 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: MD

Complaint narrative:
I filed a complaint in XXXX CFPB # XXXX for XXXX XXXX trying to collect a debt that does not belong to me. They responded to the complaint that they would remove from my credit report but it is still being reported.

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 2021-02-09 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: MD

Complaint narrative:
I filed a complaint in XXXX CFPB # XXXX for XXXX XXXX trying to collect a debt that does not belong to me. They responded to the complaint that they would remove from my credit report but it is still being reported.

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 2021-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: IA

Complaint narrative:
XXXX - called in today and was transferred to XXXX ... I wanted to inquire about COVID relief options for a loan that I am currently paying on, as they have continued to debit money from my account even during the " pause '' on payments. I called today to see if I had any options, instead XXXX refused to provide me any information about my account and I was denied information about potential relief and repayment options for the Parent Plus Loan that is current and being serviced by ISL.

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 2021-02-09 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
Account that was closed is showing open and is also showing that I owe money and I missed payments. My credit score dropped severely in addition to my the credit bureaus are showing that I have a debt that was already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a XXXX employee and have been furloughed many of times in which I notified XXXX and was giving a plan to put payments on the back end of my loan and pay them. However, the payments have been and are reflecting 30 and 60 days late which is incorrect. I have since then not missed a payment and have paid off the loan in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a XXXX employee and have been furloughed many of times in which I notified XXXX and was giving a plan to put payments on the back end of my loan and pay them. However, the payments have been and are reflecting 30 and 60 days late which is incorrect. I have since then not missed a payment and have paid off the loan in its entirety.

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 2021-02-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ResidentCollect, Inc.
State: CA

Complaint narrative:
I called and reported that the debt was included in a bankruptcy and was not collectible by this collection agency. I volunteerly moved out of the apartment before eviction due to non payment of rent when I filed for bankruptcy. I was in the hospital for an extended period of time and not collecting a paycheck which is why we moved. I sent the bk paperwork and the notice of departure due to inability to pay rent and they refuse to remove the collection. As part of the bankruptcy I moved out and the apartment was closing my file without just the deposit fee and they were not going to charge lawyer fees they just closed my account and balances it to zero. So there should not be a collection at all from the company or the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Today ( XX/XX/2021 ) I received a Chase Debit/Visa Card in the mail. I did not apply or request this credit card. 
On XX/XX/2021 I filed a complaint with your agency for my husband on Complaint # XXXX due to the same issue but with a different bank. As a result of helping him with this, I placed a security freeze on my own credit reports with XXXX and XXXX on their websites and with XXXX through my personal XXXX account on XX/XX/2021. My lifelock account has been active for several years. 

In the past I was the holder of a Chase credit card, but it has been inactive for well over a year. 

I did not request this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: CA

Complaint narrative:
I received a loan through Mountain Summit Financial on XX/XX/XXXX. I had paid 5 payments in the amount of {$300.00} each. I was qualified for an increase to {$2100.00} on XX/XX/XXXX. I made one payment to date of {$320.00}. I was informed by my attorney that these installment loans are illegal in the state of California and he successfully was able to get me a full refund of the amount of interest I had paid over the course of the loan. 

With this loan the remaining principle balance is {$250.00}. However, a recent loan before this was paid over the amount loaned to me on XX/XX/XXXX for {$1200.00}. The total payment made to this loan initialized on XX/XX/XXXX was {$2400.00}. An over payment on the principle was made, therefore {$1200.00} should be returned to me. To offset the amount owed ... {$1000.00} should be returned to 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 explanation
Consumer complaint received 2021-02-09 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: MD

Complaint narrative:
Account that was closed is showing open and is also showing that I owe money and I missed payments. My credit score dropped severely in addition to my the credit bureaus are showing that I have a debt that was already paid.

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 2021-02-09 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: MD

Complaint narrative:
Account that was closed is showing open and is also showing that I owe money and I missed payments. My credit score dropped severely in addition to my the credit bureaus are showing that I have a debt that was already paid.

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 2021-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on the XX/XX/2021 Bank Of America charged me 3 overdraft fees on items that I already paid for days prior, their excuse is that the merchant just came in to collect the funds that was promise to them. My concerns is that when I made these purchases the funds were available on that day and they were subtracted form my checking account on the day of the purchase in other words they were reserved for the merchant if the merchant came to collect their funds a week or a year later, if the funds were already subtracted on the day of the purchase ( my account was already charged and my new available balance reflected the purchase on the day of the purchase ) why am I paying overdraft fees on things that I already paid for? there's plenty of law suit on these matter I guess BofA just doesn't learn. I have uploaded a screenshot that clearly shows that after my purchases were done i still had an available balance.

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 2021-02-09 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 2 accounts on my credit report of which i do not recognize. I have submitted all necessary documents including a police report. The 2 accounts in question are below. 
XXXX. XXXX XXXX XXXX 2. XXXX XXXX XXXX According to the FCRA 605B these items must be removed within 4 days I do not recognize the adresses below and would like them removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX I demand these accounts / items are removed from 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 2021-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: NJ

Complaint narrative:
Due to covid-19 pandemics my wife and I are struggling with fiance. We both have been unemployed during 2020. For a duration of time. My wife is still collecting unemployment because the school she is employed by is struggling severely it self. I have gotten my salary slashed by 50 %. Leading to financial burdens. Amerihome mortgage company are remorseless. The constant abuse of phone calls during working hours. Paper trails of bill notification s. No response to emails. Not collecting partial payments. Mortgage company must have payments in full. No help to help save us from loosing our home. I just want to be rid of this mortgage company that brings me to XXXX and XXXX. Anger to no end of loosing my mental health. Is there a way of transferring my mortgage to a different lender?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: CO

Complaint narrative:
In XX/XX/XXXX I contacted Experian to correct a negative payment history on a credit card with XXXX XXXX from XX/XX/XXXX. I provided the following information. 

In XXXX XXXX XXXX I was deployed when all communication was secured for operational security. We were without internet access for approximately 40 days. During this time, the credit card payment was due, but I was unable to make the payment without internet access. As soon as access was restored, I promptly paid the bill in its entirety. 

Experian closed the investigation today. They added the addition to the comment section : " and dispute investigation completed, consumer disagrees. '' The comment could be construed that an investigation was actually conducted, which seems doubtful, and I disagreed with the results of the investigation. To my knowledge I have not been provided with any further information collected during the investigation such as a response from XXXX XXXX. Dispute and disagree are synonymous, so not only could the comment be misconstrued, but it would seem that the entirety of the investigation was to add a comment documenting that I disagreed or disputed something, which required no investigation at all because the " investigation '' was a direct consequence of filing a dispute with the report. 

If Experian or XXXX XXXX had provided documentation or rational to the justification for the negative mark on my credit score, I would have been receptive to concluding this matter ; however, this resolution was recursive and evidences the insincere at best or false claim that Experian actually investigated the matter. If an investigation did not take place, they have willfully neglected their responsibility to investigate this dispute.

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