vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
My investment property value has increased to more than double the original loan amount, so I requested a cancellation of my PMI insurance from my previous loan servicer. They agreed to the cancellation effective XX/XX/XXXX. My current servicer bought my loan in XX/XX/XXXX. 

The new servicer has twice refused to allow the PMI cancellation until the loan has " seasoned '' by having no late payments for XXXX more years. I have owned the home since XX/XX/XXXX with no late payments. 

My online searches concerning Dood/Frank legislation reveal that an increase in value is a valid reason to cancel PMI insurance. My loan has already " seasoned '' for 6 years with no late payments. 

I contend that they do not have the right to deny PMI cancellation because they bought servicing rights to my loan and chose to reset the " seasoning '' clock.

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 2023-02-02 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: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I noticed on my credit report that my last two payments were not reported. I called the credit card company on XX/XX/28 and explained and they agreed that my information was not reported in XXXX. The associated said she filed a claim and I would be receiving confirmation of the claim. As of now I have not received any correspondence or confirmation and my credit report is still not updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: Affirm Holdings, Inc
State: CO

Complaint narrative:
I currently have an open a Affirm account on my credit report Ive contacted affirm several times theyve confirmed the account is closed sent me documentation to submit to XXXX which I have done. I have filed a few dispute accounts with XXXX and provided that documentation and I still getting notified that they worked with the lender and all the information is correct. Its currently showing open with the remaining balance with over a year that the last time the account was updated and I still can not get it to close out and all my documentation shows that has been paid in full and even a firm has confirm that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank
State: NJ

Complaint narrative:
I reached out to them several times about erroneous charges and the fact that their website did not process my payment. I was reported as late which should not have happened. This company is scamming people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
To whom it may concern, Equifax continues to house, share, and illegally report unverifiable invalidated negative information to my consumer report. This fraudulent incorrect information is causing me great irreparable financial harm. Equifax have a great responsibilty to the American consumer and banking system to uphold FDCPA, FCRA, XXXX XXXX, and TILA laws and regulations that are in place to protect the consumer from predatory and unlawful practices. You have failed me the consumer by continually falsifying and fraudulently validating incorrect unverifiable information. Please investigate these items and use this request for investigation as notice for legal action against your company. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: MD

Complaint narrative:
On XX/XX/XXXX, I received a letter from Bank of America stating my debit card is here. I have never had or attempted to open an account with Bank of America. 

XXXXXXXX XXXX prior, I received a letter from Bank of America stating that " my account '' could not be opened due to additional information required. 

This process with Bank of America has really been a thorn in my side.

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 2023-02-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/2023 After a consultation an being DENIED opening a busines checking account while being a personal account holder, I was forwarded to speak with solicitors concerning a debt. As a Natural Man, I reserved my unalienable rights and gave no authorization to make any payments as the account was closed and the agent became hostile. I noticed the next day that {$2600.00} was stolen out of my account, without authorization, without notice. 

I called to seek remedy and to make them aware that this action caused me harm, i was told that nothing would be done and after requesting a Supervisor, the agent let off petty retorts before sending me to voicemail. I am a XXXX Veteran and this organization has been causing me enough harm with their persistent automated calls and unprofessional phone calls after i specifically stated I did not want to receive calls and only consent to emails and letters through the USPS earlier this year. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: CA

Complaint narrative:
Ive seen my credit reports and noticed that I XXXX late payments on an account I that I was never late for. Reporting Agencies have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 
I have never been late on payments for the XXXX XXXX XXXX account # XXXX Please investigate and provide Proof with company bank STATEMENTS from my account to yours, showing these payments were late. If the proof im requesting cant be provided payments be updated to on time as they should be as I was NEVER Late.

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 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-02 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Contacted TDBank to inquire as to why there was a credit pull on my report, they had not knowledge of this being done or my information. But for this i took a XXXX point hit for no reason. I then contacted XXXX to file a dispute. This is currently be looked after. I will know within 72 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found the following item to be error. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : CAPITAL ONE AUTO FINAN Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/ to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/XXXX XXXX XXXX  to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: TN

Complaint narrative:
In XXXX of XXXX, my mortgage was transferred from Stearns Lending , LLC to Guaranteed Rate , Inc. I started forwarding payments to Guaranteed Rate in May, as per the notice received. I talked to an agent to find out what was going on and to make sure they got all of my information from Stearns, as well as my Loss Mitigation paperwork. My Payments were {$730.00}. Payments went smooth, as planned. On XX/XX/XXXX, I received a notice in the mail that my mortgage was transferred, yet again. This time, from Guaranteed Rate , Inc ( subserviced by XXXX Mortgage ) to Guaranteed Rate, Inc. ( subserviced by XXXX XXXX XXXX ). Payments start on XX/XX/XXXX going to XXXX. The payment amount due per notice is {$730.00}. My XXXX payment got kicked back to my bank. I called customer service. They could not find my account. They told me that it just may not be in the system yet and to try again after the holidays and that I could not be penalized due to RESPA. I tried paying twice more after the holidays. Both payments kicked back. I called customer service and they told me to call XXXX. I did and went over my account. The agent told me that they have not received a payment since XXXX and that my mortgage would not be transferred to XXXX until XX/XX/XXXX. She told me to call and find out what I owe because she couldn't tell me because they don't have my entire account. 

I have been unable to contact anyone by phone. When they call me, I am either working or no one is on the line when I answer. It just hangs up. I got an email from XXXX stating that my transfer was supposed to occur but it was stopped and she doesn't know where my account is. 

As of today, I have been unable to pay my mortgage due to technical errors and no one can tell me where my account is or what my Loss Mitigation terms are or where my money is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Please be so kind to help me, I'm asking for your company to help me enforce what the law states for this corporation to do correctly. I entered a consumer credit transaction with Wells Fargo Auto in 2016 ( Although my original contract lists XXXX ) which involved a finance charge along with a down payment of { {$1000.00} } cash. Pursuant to 15 usc1605 ( a ) finance is charge is the sum of all charges in a consumer credit transaction and does not include cash. Wells Fargo is in violation of the 15 USC 1605 Truth In Lending Act. I was not offered any insurance and they failed to disclose to me my right of recession and provided me with the appropriate forms to exercise my right which is in violation of 15 USC 1635. As a federally protected consumer under Title 15 Chapter 41, my rights have been violated and Wells Fargo is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to 15 USC 1640 and 15 USC 1692K. The also repossessed my car twice which is definitely against the law. They have committed fraud and several violations of the FDCPA and TILA. They have threatened me for an alleged debt and they have apparently charged off my account. I sent them a notice asking for the following : 1. Send an Audit Trail pursuant to 5 USC 552a ( d ) including all documents, including but not limited to, signed credit applications, assignments, ledger of the account, and everything else relating to the Consumer ; 2. Material Disclosure ; 3. Return all money illegally collected ; 4. Original instrument of indebtedness in its original form 5. Record of Accounting pursuant to UCC 9-210 Instead of providing me with the information I asked for they responded with a transaction history and a copy of my car contract, which is actually different from the original contract. Wells Fargo isn't listed on my actual contract ; a company named " XXXX '' is listed. Also this was a XXXX credit application, I never applied for a loan with Wells Fargo. I have attached my original contract along with the copy Wells Fargo made up ; as well as the transaction history they sent to me. 

This whole transaction is fraudulent and as a result I've obtained several injuries, I've never been so hurt by a company

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 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX XX/XX/XXXX, my husband and I visited a local Chase Bank in XXXX XXXX TX. We opened a checking account in our trust name. The banker said that we could put it under " military account '' so that you do not have to keep a balance in the account or pay fees. On XXXX XX/XX/XXXX, we had some funds wired to this account. When we checked that day to confirm the funds reached the account they were showing up in the account online. The next day on XXXX XX/XX/XXXX, I could no longer see the account online. We called Chase bank and a representative said the account had been closed. After not getting good info from her, we asked to be transferred to a manager. The manager we spoke with stated the account was never coded as military and due to inactivity the account was closed. The funds that had been wired were sent back to the bank who sent them. Since that day we have called Chase bank numerous times and each time someone tells us something different. This is not a small amount of money and we are not getting any answers other than it could take XXXX hours, or as of XXXX XX/XX/XXXX it could take XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
On XXXX XXXX our mortgage company added an escrow fee of {$64.00} for insurance. I contacted our mortgage company in XXXX when I realized the mistake & was told I would need to speak with the insurance department XXXX XXXX XXXX XXXX department switched me back to customer service. In XXXX I contacted the customer service department again & they put me in contact with XXXX XXXX who is the Customer Service XXXX XXXX, we began email corresponding on XXXX XXXX. XXXX told me that our mortgage loan was recently changed to the XXXX office from the New Jersey office for servicing. XXXX began researching & found that the New Jersey office had added an insurance policy to our mortgage for XX/XX/XXXX thru XX/XX/XXXX because they did not have proof of our insurance at that time. I sent her a copy of our insurance information for the dates that they were saying we did not have insurance proving we did in fact have insurance at that time. XXXX & I have had corresponded via email since XX/XX/XXXX & she has stated that she is working on the issue. When I spoke with her over the phone she told me that the problem was that the XXXX office needs to get the refund from the New Jersey office before they can do the refund to me. In the mean time my mortgage has had an escrow fee of {$64.00} per month since XX/XX/XXXX when I have always had homeowners insurance for the life of the loan. I am tired of not getting any results or refund of the money that I have paid for something that I paid for before. XXXX has stopped responding to my emails & not answering her phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Some Wells Fargo deposit accounts were hit with extra overdraft, withdrawal, and monthly fees. At other times, the bank unjustifiably froze customer accounts for weeks on the pretense of preventing fraudulent deposits.

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 2023-02-02 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: NC

Complaint narrative:
I called XXXX XXXX and cancelled my contract due to the XXXX XXXX XXXX never coming out to start the job. XXXX ( The company ) and XXXX XXXX oXXXX XXXX XXXX XXXX ( The XXXX ) both agreed to cancel the contract and not have it report to the credit bureaus. On XX/XX/2022 XXXX has since reported the account to the credit bureaus ( XXXX, Equifax, XXXX ). The account is reporting as XXXX XXXX account # is XXXX and XXXX # XXXX. 

XXXX XXXX opened the fraudulent account on XX/XX/2022. I have spoke with both the XXXX XXXX as well as the lender XXXX and XXXX assured me that this information would not be reported on my credit report and thatchy would cancel the contract. 

I spoke with XXXX XXXX ( XXXX XXXX ) over at XXXX at XXXX EXT # XXXX and he provided me with a case # XXXX regarding the cancellation of this loan and it should have never been reported to the credit bureaus.

Company response to consumer: Closed with explanation