vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-30 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: Westcreek Financial
State: NY

Complaint narrative:
After paying off the balance owed on an account, the company " West Creek Financial '' reported that the account was paid in full and closed the account with full knowledge that closing an account negatively impacts a person 's score. I have spoke with this company several times to request that they could simply report that the account is paid in full. I also informed this company that they target low income communities and minorities to offer their services to then turn around and destroy their credit. People in low income communities are already struggling, and at no time did the store I purchased the items from nor was I made aware on my receipt that once the account is paid in full the account would be reported as closed. It is very mis-leading and this company has numerous complaints on file with the XXXX  and they should not be allowed to offer services under false leads. I would like this company to remove that the account is closed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I have had a Citi Costco card since XXXX I always used it to get rewards at Costco. This past year I used my card enough to earn a {$1400.00} reward. I have auto pay set up for this account and never had any problems until In XXXX of XXXX I made purchases to equal a auto payment of {$12000.00} which caused an insufficient funds on my bank account twice before the third try went through. Little to my knowledge this situation allows Citicard to terminate my account and cancel my rewards for the year 10 days before I was to receive my {$1400.00} reward for Costco shopping. Ive tried numerous times to get something accomplished with this to see why I cant be allowed to fix this or negotiate anything but no deal. Im very frustrated that this Citi Card has the right to steal money from me and my family in a Pandemic?

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 2021-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I was in process of refinancing my mortgage with Loan Depot which started XX/XX/2020. 

Within a month, I did not hear back from Loan Depot on the status of my loan. I got a document which I am attaching illustrating that my rate was locked and my loan application was in underwriting and close to completion. 

I did hear anything back for one month and I was informed that my loan officer was on leave and my application was not transferred properly. Hence my rate expired which caused my rate to 2.5 % to disappear. The rates have now increased. 

Given that I provided all the paperwork in a timely matter and an existing customer for another home, I would like my terms of 2.5 % at 30 year to be honored as per my signed agreement. ( attaching for reference )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: SC

Complaint narrative:
On XX/XX/XXXX, I submitted a certified letter to Experian to dispute unauthorized inquiries that were listed on my credit report. My dispute was received by Experian on XX/XX/XXXX. In my dispute I requested for the removal of these unauthorized inquiries. I did not authorize any of the disputed inquiries in writing or verbally. These inquiries occurred on two different dates XXXX XX/XX/XXXX & XXXX XXXX ) in a state/s where I do not reside. On XX/XX/XXXX, I received an email from Experian that stated my dispute results were ready. When I reviewed the credit report from Experian, all of the disputed inquiries were still listed. When I contacted Experian via telephone on two different occasions to find out why my dispute of these unauthorized inquiries were denied, the Experian representative responded by saying that the inquiries were proved to be valid and I needed to contact the lenders which I had already done. When I requested a copy of the description of how the investigation was conducted, Experian denied my request. I also requested copies of an application or any other documentation that shows that I authorized the lenders to obtain my credit report. Documentation should have been submitted by all of the lenders who reported these inquiries if I authorized them to obtain my credit report. Experian sent me an email on XX/XX/XXXX that stated they generate the information listed in the inquiry section from it's own business records, which they verified as accurate. This email also explained the definition of permissible purpose along with other explanations which did not apply to me. Experian denied my dispute as if the unauthorized inquiries that I disputed were proven as factual from an investigation that never took place. Experian violated the Fair Credit Reporting Act by through it's failure to reasonably investigate the disputed 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 2021-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
I am in need of your support in working with my mortgage servicer in understanding my options for a FHA COVID-19 Forbearance. I would like to connect with you, as a HUD-approved housing counseling agency, in this assistance. 

I am with XXXX  of Colorado. My mortgage servicer is Dovenmuehle Mortgage Inc at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX. There phone XXXX XXXX XXXX. My loan number # XXXX. 

I am having a financial hardship due to COVID-19. I Request a COVID-19 Forbearance for my mortgage payments. 

sincerely, XXXX XXXX XXXX 1-308 All Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
XXXX, Innovis, XXXX adamantly refuse under any circumstances rational or otherwise to release my legally entitled free report or to discuss any remedy to release other than to " Read the letter '' in 9-14 days. 

All state in letter that scan ID images can not be verified SS, PASSPORT, DRIVER ID, XXXX Documents. All id scans used were exact images furnished to approve bank and credit applications without issue Documents were scanned high quality and faxed XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Registered Mail Sent on XX/XX/XXXX with Hi res scans of Social Security, License, Bank Statement, Passport and Credit Statement were never adequate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: TX

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Im Writing to you today in shock due to The fact that after reviewing my credit file, I found several errors you are reporting witch are hurting my good name. I expect you to listen to my instructions and get this taken care of swiftly. 

XX/XX/2021 Accounts are being reported with one Bureau and not the other two under date last active. If this is the same account being reported by the same creditor why is the information missing?

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 2021-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am refused access to my checking account online unless I agree to a Digital Services User Agreement. Such an agreement is not necessary and has never been required before. It is an intrusion and requires me to be subject to unnecessary online contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
My mortgage is a XXXX XXXX with a XXXX XXXX, on XX/XX/2021, and after completing my three trial payments I received a XXXX XXXX Modification with PHH Mortgage. The final modification agreement that I received included instruction to notarize my signature and my wife 's signature. We completed all lender 's instructions on XX/XX/2021, and immediately after we returned the whole packages including our notarized signatures by certified mail. 
According to the original instructions received, I supposed to return two notarized copies of my XXXX XXXX XXXX, and immediately after my lender would receive these documents will sign, notarized, and return one of the two copies to us. 
PHH Mortgage signed our XXXX XXXX XXXX on XX/XX/2021, however, they just send us a copy without their notarized signatures. 
On XX/XX/2021, I personally contacted PHH Mortgage requesting my loan modification agreement with their notarized representative 's signatures. They responded to me that it was not necessary and just the regular signature of their representatives would be enough to make the document valid. 
I insisted that the above-mentioned agreement has a notarization requirement for both parties ; however, they promise to return me a call, a thing that never happened. 
I request CFPB help to obtain the legal document ( Notarized ) that confirms the full terms of my recent XXXX XXXX reached. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Pilgrim Mortgage LLC
State: AR

Complaint narrative:
I was lead on with a closing date! Get a phone call 30 min before closing on the day of saying that they were goin to have to push the date back! The only reason I have been gave is because one of my check stubs didnt add up to what the job stated I worked.. the reason my check stub was short is bc we had been off due to inclement weather. Who sends out closing disclosures give a closing date then basically deny the entire process 30 min before time.. leaving me and my children homeless!

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 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
I recieved a response letter from SAGESTREAM that stated that they will not grant my request to OPT-OUT of their services. I have asked in written notice in accordance with the law ( 15 U.S.C 6801 ) for SageStream to : 1. CEASE & DESIST collecting, selling and sharing my personal information and providing my information to third party affilliates.-SageStream refused 2. I have chosen to OPT-OUT of their information selling and sharing platform-SageStream refused 3. Provide me with a complete printed copy of their collection on my personal information-SageStream refused. As a consumer my rights in regards to the sharing and selling of my information continue to be violated by this company. I DO NOT CONSENT to the collection, selling, and sharing of my personal information by SageStream or any of its third party affiliates. As the consumer, you can only share information that I allow you to with my consent. At this time Sagestream is in direct violation of my rights as a federally protected consumer under title 15 chapter 41.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Preferred Collection and Management, Inc.
State: RI

Complaint narrative:
Was contacted by phone saying I opened a XXXX XXXX credit card in 2013 and used my social security number and my old address which I tried to explain to them that I never opened a credit account in that year but they still determined that it was me then they told me that they are marking down that I refused to pay and they will seek legal action the person who I spoke with got very nasty with me after I called them a scammer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In order to purchase a lease-end car, we got a cashier check issued with our bank, Chase in amount of {$28000.00} paying XXXX XXXX in on XX/XX/2020 ; the check got stolen in XXXX and was cashed through a ATM machine with XXXX XXXX XXXX XXXX XXXX, MN on XX/XX/2020 ; the check was altered from XXXX XXXX XXXX to XXXX XXXX ; we have been trying to work with Chase ; after numerous calling ( some got routed to XXXX XXXX XXXX ), the last thing we heard from Chase was a letter in XX/XX/2020 saying the other bank was responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : 01 XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30 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: TX

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 45 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. Do not send me no automate message I need this stuff fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NJ

Complaint narrative:
Attempted to log into my account with the Pin number I was given but was unable to. The Pin number I entered said it was invalid although I attempted it 3-5 times ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax refuses to update my personal information and my credit file. My credit card has sent them many updates, I have sent in my identification to update address and they refuse to update. They show I live somewhere I haven't lived at for about 10years. I cant even speak with anyone because the " security '' question asked is " If I have or ever had a credit card '' which I currently hold one but they don't any information regarding it so I cant verify my identity. The other " security '' question is to verify where I live, as you would imagine I cant verify I live somewhere if they have no clue and think I live somewhere from 10 years ago. 

I cant get a first time home owners loan until this is sorted out. they're reporting incorrect credit score because they have no clue I even have or had credit. As well as they show I live in a different state.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: TN

Complaint narrative:
Hi, There were three credit cards opened under my name that I did not open. The three are XXXX, XXXX XXXX, and XXXX. XXXX XXXX is refusing to remove the closed accounts from my report despite them being fraudulent.

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 2021-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have auto loan with Wells Fargo from 2017, ,I look the payments and I want to know if that is correct, ,example I paid monthly XXXX, ,and sometimes XXXX to de principal and XXXX to interest and then the next month is XXXX to principal and XXXX to interest, that is is example, ,but I want to know is that is correct the numbers change too much

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 2021-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
SS No : XXXX Address : XXXX XXXX XXXX, XXXX, GA, XXXX ID : XXXX To whom so ever it may concern, I XXXX XXXX XXXX had an account with Bank of America, which was closed down. 

I moved into the USA XX/XX/XXXX with my parents as an emigrate from XXXX XXXX where I was born. 

Been as a college student and a new comer in USA, I was looking for a part time job to assist myself and my parents. Through the internet I found a private job and thought I would make a good income to support my family and I. 

I started this job in XX/XX/XXXX, it was a check company where I was printing checks for this man and communicating with him thought text message and email. Eventually he wanted me to buy bitcoin for him through my account and I did it on the first round and the amount was {$8000.00} which I had to withdraw and buy bitcoin and on the second round he asked me to do it again and had informed my dad about it because I was not comfortable with doing it because it was illegal and my dad told me to stop immediately which I had done. But the man had deposited a bigger amount of {$10.00} XXXX without my consent and that blocked my account at Bank of America and a - {$880.00} XXXX was placed as a source of investigation through they side. 

With all honesty and truthfulness all the above pointers I have mentioned, which was mistake by myself unknowingly. I truly believe that this concerned person took advantage of being a new emigrate/student. 

However, this is an extremely hard lesson for me to learn in my young life, I oblige sincerly and assist me in reinstating my bank account.

Below attached is all the documents correspondence to the situation above that I was sent wit regards to my account Regards XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation