vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I recieved a letter XX/XX/XXXX from LoanCare stating they have fixed my problem after I sent in all the correct documentation to you and to them SEVERAL times to them and now when I call to make my payment ... I am not able to do so on their website, no one answers the phone and unless you chose to take a survey the call is dropped. I have been trying to reach them to make my latest payment for this month since XX/XX/XXXX. I have not heard anything back and I tried, phone email and their portal. I got through to someone this morning and made a payment and was told that I am still missing several payments which is NOT TRUE as per my bankstatements and what was worked out hence the XX/XX/XXXX letter. this company is HORRIBLE!!!! I NEED HELP AND I AM GETTING NONE AND THEY ARE TRYING TO TAKE MONEY I DONT HAVE AND I DONT OWE.

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 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
the information on on my credit bankruptcy should not be on my public record i am victim of identity theft and mistaken identity ( date report XX/XX/2016 ) ref # XXXX this should not be on my credit report does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
the information on on my credit bankruptcy should not be on my public record i am victim of identity theft and mistaken identity ( date report XX/XX/2016 ) ref # XXXX this should not be on my credit report does not belong 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 2020-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Pinnacle Financial Group, Inc.
State: VA

Complaint narrative:
I co-signed for an auto loan for my daughter whos is not paying. Pinnacle Financial Group call me up to 4 times every day. I spoke to my daughter a couple of months ago and we decided to surrender the car. The company advised us that they would send out a letter to fill out for voluntary surrender. the form never came. they kept calling me and i asked about the form. they said they would send out a new one and it never came. I do strongly believe they are lying to keep the interest  going upas long as they can. just yesterday XX/XX/20 they pulled a credit inquiry on my credit report without my permission. I do not believe that is legal. they have every right to report late payments etc ... .but i do not believe they have a right to pull a credit inquiry without my permission. this has caused credit score to drop even further.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: GA

Complaint narrative:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER ALSO THESE ACCOUNTS ARE UNDER BANK REPUTCY I NEVER FILED FOR ANY OF THAT IN MY LIFE THIS INFORAMATION IS FALSE I WAS VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-14 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: GA

Complaint narrative:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER ALSO THESE ACCOUNTS ARE UNDER BANK REPUTCY I NEVER FILED FOR ANY OF THAT IN MY LIFE THIS INFORAMATION IS FALSE I WAS VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: GA

Complaint narrative:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER ALSO THESE ACCOUNTS ARE UNDER BANK REPUTCY I NEVER FILED FOR ANY OF THAT IN MY LIFE THIS INFORAMATION IS FALSE I WAS VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We had financed a Mortgage with Wells Fargo Mortgage unfortunately through our prior lender, through the assignment process, not our personal choice. 
During COVID our account was in forbearance as I lost my income. 
Each month our PMI was paid from escrow while in suspension, along with homeowners insurances. 
We eventually sold the home due to issues with Wells Fargo, it was most convenient for us not only be rid of them as a financed, but for us to continue to maintain the mortgage as well. 
We were quoted a payoff including XXXX and XXXX pmi amounts, which were taken from escrow on XXXX and then on XXXX Through the normal process. 
When the mortgage was paid off on XXXX, PMI was taken from escrow again and then again on XXXX from escrow after the loan was paid in full. This emptied our funds after being confirmed we would have a refund of at least {$280.00} which was in the escrow account. 
Next conversation was that these pmts in XX/XX/XXXX and XXXX were to pay the PMI for XXXX and XXXX as they are paid at the end of the month and the loan was paid in full on the same day they were paid. 
However, these 2 months were included in the payoff amount, which adds up to the detail payoff amount sent from Wells Fargo to me to provide to the title company as Wells Fargo would not release the info to them, as well as taken monthly thorough reoccurring escrow payments. 
I would like an explanation of their error and my refund processed ASAP.

It has been one thing after another with Wells Fargo this year and they continue to scam my funds for their own benefit.

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 2020-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I was targeted and discriminated against by capital one credit card company. They placed my account under fraud for the capital one credit card. The reason being that I my account was place indiscriminately under fraud is because of declined payments. At not time was there any complaint about the accounts or any outside contact stating the accounts I attempted to use were fraudulent. The only reason accounts payments did not go through is because of the pandemic and struggling with lack of income and when attempted to make the payments truly believed monies would be in the account but have had several delays form unemployment claim. Capital one even denied payment my husband attempted to make for me through his saving account even though the money was there. they denied me being able to pay balance with debit card due to being labeled fraudulent. Have made it very difficult to resolve the fraud label and did attempt several times to resolve there issues. And then finally closed my account stating i did not uphold to the ethics standard they set. This has negatively affected my credit, my ability to purchase reliable transportation and qualify for credit needed. As well as this situation has caused me humiliation at being labeled fraudulent / also pain and anguish at nt being able to understand why they are calling me a fraud when did nothing wrong other than have struggled due to national pandemic and issues beyond my control with my unemployment claim being paid out on time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: GA

Complaint narrative:
1. XXXX XXXX is showing my closed/deactivated phone service as " Collection/charge off '' and I am getting harassing calls from debt collectors.

This information is incorrect. The following is accurate : 1. I reported my phone as lost/stolen to XXXX 2. My phone had insurance purchased at the XXXX store XXXX. I filed the lost/stolen claim at the XXXX store 4. The XXXX store manager personally confirm that i had purchase insurance 5. Claim was disputed by insurance provider - reason not provided 6. I escalated with Insurance provider - assured me that claim would be " accepted '' 7, I cancelled phone service 8, I  enrolled with another service provider XXXX. XXXX and debt collector started harassing phone calls to my cell phone

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 2020-10-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My address for my replacement card was changed somehow so when i want to order replacement card ot goes to an unknown address and i dont have access to the address

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Despite two written requests and speaking with Transunion customer service, the unverified items listed below still remain on my credit report in violation of Federal Law. Transunion is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.Transunion have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore Transunion have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA Transunion is required to ... promptly DELETE all information which can not be verified. 

5 Inquiries XXXX  XX/XX/2019 XXXX FINXXXX XXXXXX/XX/2019 XXXX- XX/XX/2019 XXXX XX/XX/2019 XXXX  XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2020-10-14 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: GA

Complaint narrative:
1. XXXX XXXX is showing my closed/deactivated phone service as " Collection/charge off '' and I am getting harassing calls from debt collectors.

This information is incorrect. The following is accurate : 1. I reported my phone as lost/stolen to XXXX 2. My phone had insurance purchased at the XXXX XXXX XXXX. I filed the lost/stolen claim at the XXXX store XXXX. The verizon store manager personally confirm that i had purchase insurance 5. Claim was disputed by insurance provider - reason not provided 6. I escalated with Insurance provider - assured me that claim would be " accepted '' 7, I cancelled phone service 8, I enrolled with another service provider XXXX. XXXX and debt collector started harassing phone calls to my cell phone

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: GA

Complaint narrative:
1. XXXX XXXX is showing my closed/deactivated phone service as " Collection/charge off '' and I am getting harassing calls from debt XXXX. 

This information is incorrect. The following is accurate : XXXX. I reported my phone as lost/stolen to XXXX 2. My phone had insurance purchased at the XXXX XXXX XXXX. I filed the lost/stolen claim at the XXXX store 4. The verizon store manager personally confirm that i had purchase insurance 5. Claim was disputed by insurance provider - reason not provided 6. I escalated with Insurance provider - assured me that claim would be " accepted '' 7, I cancelled phone service 8, I  enrolled with another service provider XXXX. XXXX and debt collector started harassing phone calls to my cell phone

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 2020-10-14 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 FIRST ATTEMPT/LETTER SENT : XXXX placed INACCURATE and INCOMPLETE information on my EXPERIAN credit report as open in my legal name. XXXX XXXX XXXX   placed INACCURATE and INCOMPLETE information on my EXPERIAN credit report as open in my legal name. XXXX placed INACCURATE and INCOMPLETE information on my EXPERIAN credit report as open in my legal name. EXPERIAN claims an investigation was done and received a signed contract from with my signature on it. This is not true and still false information remains on my credit report. XX/XX/2020 XXXX ATTEMPT/LETTER SENT and I called to dispute these accounts and Experian refused to file my dispute and advised I contact CFPB. XX/XX/2020 XXXX REQUEST to see Verifiable Proof ( an original My Consumer Contract with my Signature on it ) placed on file of the accounts listed before. EXPERIAN failed to positively verify these accounts and has hurt my ability to obtain credit. XX/XX/2020 FINAL LETTER/PENDING LITIGATION According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), CRA are required by federal law to verify - through the physical verification of the original signed consumer contract - any  and all accounts you post on a credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: LoanCare, LLC
State: CA

Complaint narrative:
The company refuses to take any responsibility for incorrect information reported to the credit bureau. In the meantime, my credit has been ruined because it incorrectly reflects 90-day delinquency. I have been unable to refinance my mortgage as a result and have been denied credit. This has created a financial hardship for me. I have been given no timetable as to when this problem will be fixed and have asked for compensation from the company for my troubles and refused. This has become a very frustrating process and I understand that is has happened to several other borrowers.

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 2020-10-14 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: IN

Complaint narrative:
How come everyone recognizes my complaint as a repeat, nobody recognizes they never answered my question. What is truly amazing is nobody at cfpb recognized that TransUnion response is a form letter. Here we go again.

OK so lets start out again this is a repeat probably XXXX times over. Trans Union keeps telling me I need to go to XXXX XXXX. I keep telling TransUnion I did go to XXXX XXXX. Trans Union keeps stating that all they do is report was given to them. Yet the last time I called Trans Union they claim that a report was never given to them stating that I was delinquent. Yet Trans Union did show me delinquent. And again to re-iterate XXXX XXXX  has given me documents showing that they never showed me as delinquent. So again I ask why did Trans Union report me as delinquent with no such report or information was ever given to Trans Union. So lets repeat everything Trans Union keeps telling me to go to XXXX XXXX. I have multiple times. Trans Union keeps claiming that all they do is report was given to them. Yet they refuse to give up a copy of this so-called report. Why will not Trans Union give me a copy of what they claim they have. Yet when I called Trans Union they claim they didnt have it. Trans Union cant tell me why they showed me as delinquent all of them as a guess someone screwed up at TransUnion. What happened at TransUnion is my question. Again I have gone to XXXX XXXX  many times so stop telling me I need to contact XXXX XXXX. Nobody ever reported to Trans Union that I was delinquent. Yet Trans Union showed me as delinquent. Why

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 2020-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have lost my credit card. My account has been under complete fraud for high amounts more than the credit limit. I have been customer from past 5yrs with Bank of America. I have opened claim in XXXX and they have opened claim wrong way saying I possess the card. I have reopened the claim and it is still under investigation. 

During this time, i have deferred the payments as interest has been added and as i have been effected financially due to covid. i have deferral requests have been approved from XXXX. All of sudden in this month my account has been closed sayin

g its past due from3 months as the deferral requests have been re-initiated. This has been effecting my credit history a lot. every day i call customer service, i have to explain whole of this story an di have been on longwaits. Every one says claim has been escalated and
they are not giving a resolution.

Customer service said they have reported to credit bureaus about deferral requests saying they are correct and asked to re-open my account and still nothing is solved.

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 2020-10-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with overdraft — Overdraft charges
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America deducted I want to say XXXX away for me and now I have a - {$5000.00} i owe

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