vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-09 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: AZ

Complaint narrative:
All 6 student loans accounts on Experian is reporting a total DIFFERENT ACCOUNT NUMBER and BALANCE then TransUnion. XXXX reporting XXXX '' on all 6 Dept Of ED/XXXX Accounts, which is very inconsistent from Transunion Record but also very unorganized and incorrect and not 100 percent accurate which is a violation. The same account on Transunion reporting a different account number of " XXXX " XXXX '' XXXX '' " XXXX '' " XXXX '' " XXXX '' These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure thats all information reported is consistent and most importantly accurate and you have failed to do so. Please Delete this erroneous account 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 explanation
Consumer complaint received 2021-01-09 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: AZ

Complaint narrative:
All 6 student loans accounts on Experian is reporting a total DIFFERENT ACCOUNT NUMBER and BALANCE then XXXX. Experian reporting XXXX '' on all 6 Dept Of ED/XXXX Accounts, which is very inconsistent from Transunion Record but also very unorganized and incorrect and not 100 percent accurate which is a violation. The same account on Transunion reporting a different account number of " XXXX " XXXX '' XXXX '' " XXXX '' " XXXX '' " XXXX '' These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure thats all information reported is consistent and most importantly accurate and you have failed to do so. Please Delete this erroneous account 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 explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
Around XX/XX/XXXX I called Comenity bank to dispute a charge I made on XX/XX/XXXX at XXXX XXXX XXXX XXXX # XXXX XXXX XXXX for {$1000.00}. Today, XX/XX/XXXX, upon logging in to make a payment and that the {$1000.00} plus interest has been put back onto my card. I had not received any forms of communication from Comenity saying this dispute had been 'resolved ', not did Comenity make any attempts to collect evidence from me about this dispute. I called customer service to inquire about this dispute and was told that XXXX XXXX XXXX XXXX informed Comenity that they have contacted me in regards of my dispute. THIS IS A LIE. XXXX XXXX XXXX XXXX has made ZERO attempt to contact me. When I informed Comenity that they had been lied to, and have based their decision off of false information they said their decision was final. I asked to speak to the resolution department, or the dispute department to make a complaint and I was told I couldn't. They informed me I could only send a printed letter to them. I made all efforts I could on the phone to informed them that XXXX XXXX XXXX XXXX NEVER contacted me. I have attached evidence showing the correspondence between XXXX XXXX XXXX XXXX and myself. On XX/XX/XXXX they requested information detailing what was wrong with the item and pictures. I sent what they requested and then I HAVE NEVER HEARD FROM THEM AGAIN. As you can see via the email document I have attached AND a screenshot from XXXX XXXX XXXX XXXX own resolution center where it shows that NO ONE has responded to me IN ANY WAY SHAPE OR FORM. Hence PROVING this company lied to Comenity, and Comenity has based their decision off of FALSE INFORMATION. This decision of the this dispute should be reversed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Our mortgage application process for Citizens Bank took 5 1/2 months when we were told it would take 90-120 days. We had to resubmit the same documents multiple times make multiple phone calls and send many e-mails. I would provide documents requested, and then they would ask for something else. It felt like they were deliberately delaying the process. The only reason they provided was backlog due to COVID. However, when I called their loan application line in XXXX to check on what they were offering, I was told it would take 60-100 days, and they did not tell me I could not do a cash-out refinance at that time even though ( according to loan officer supervisor ) the restrictions were still in effect. Then we were denied XX/XX/XXXX. The denial states " we do not grant credit under terms requested ''. When loan officer supervisor finally returned our call XX/XX/XXXX, he told us that due to COVID related guidelines implemented in 'the summer ' ( he would not provide date when questioned, since we applied XX/XX/XXXX ), XXXX XXXX does not allow a cash-out refinance of a vacation property that doesn't already have a current mortgage. He said the restrictions were supposed to be lifted in XXXX and weren't, and then they thought they would be lifted in XXXX and they weren't. None of this was communicated to us. We could have pursued other options. We currently own our vacation home outright ( {$230000.00} appraisal ) and and applied for {$150000.00} cash-out mortgage to pay off mortgage ( from different bank ) on primary residence ( value about {$300000.00} ). We have no other outstanding debt, we both have credit scores of XXXX, a combined six figure income, and {$500000.00} in additional assets. I feel the bank misled us, stringing us along hoping to be able to offer us a mortgage if/when the restrictions were lifted. And now we are out 6 months of extra interest payments ( approximately {$1300.00} ) because we will need to start the process again with a different bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: NJ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Mr Cooper agreed to delay and defer payment on XXXX XXXX backed home loan. We were 9 months into the allowable deferment and sold our house. Mr Cooper insisted payoff amount be in full without deferment of missed payments ( due to mandatory Covid19 CARES Act relief ). This resulted in an overcharge on the payoff amount of approx {$19000.00}. 

Mr Cooper had previously agreed to extend the loan, not increase the principal, and collect the additional payments at the end of the term.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XXXX Equifax deleted XXXX XXXX for {$940.00}. I checked my reports on XX/XX/2021 and seen that the account had been added back to my credit reports. I thought the credit bureau is supposed to send me a letter 5 days prior to adding this account back on my reports. Equifax never sent me anything. This account shouldn't be on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I filed for chapter XXXX bankruptcy in 2013 and Nelnet and it subsidiaries file a claim. They were repaid thru the 5 years and at the end of bankruptcy I paid back all claims in full. Now nelnet reopened new claims of money owed. They provided the courts with their claims and it got paid, they cant now come back and Circumvent the US bankruptcy court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I noticed some accounts while looking over my credit report recently that are incorrect. These accounts are not mine and are fraudulent. I have not given access to my credit report to anyone so I do not know how this could have happened. Please investigate this issue and have these fraudulent accounts removed from me credit report so that I can obtain new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
One line CD application by Bank of America. Opened up a CD with Bank of America online with XXXX K. It asked me the Bank routing number and account number to debit the money. Application is opened on XX/XX/XXXX with confirmation number XXXX. Money withdrawn from my capitalone bank on XX/XX/XXXX. Account didn't show up after 5 days. Called BOFA customercare 2 times, they guaranteed on the CD processing. Account didn't show up yet. Called BOFA on XX/XX/XXXX they said its not allowed to open CD online using another bank account and they are not sure where the money is. BOFA shouldn't have allowed me to open the CD using another bank in first place, instead they withdrawn the money with no notification. It caused me trauma on this money and the customer service agents had no clue instead they harras 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 2021-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES
State: CA

Complaint narrative:
XX/XX/XXXX My Bank Account portal was compromised and 3 of my 5 accounts were frozen including the one set up with Autopay for Provident Funding. 
XX/XX/XXXX New checking account set up to begin Banking again. 
XX/XX/XXXX Went online set up new autopayment acct for Provident Funding. In addition, I paid 2 days prior to my XXXX mortgage in advance because I could not stop the auto withdrawal on the frozen account that was set to happen on XX/XX/XXXX. In other words knowing the payment would decline, not being able to stop it ( because I was within the 48 hour window ( which is Provident Fundings policy ) I went ahead and paid it in advance. My payment history is excellent. XXXX payment was received in full and not effected. In other words I NEVER missed a payment to Provident instead I paid 2 days in advance. 
XX/XX/XXXX I called Provident to remove the {$25.00} fee for insufficient funds on the frozen account bec I paid 2 days in advance of it due ; yes the withdraw from the frozen acct was declined on XXXX BUT I had PAID it on XX/XX/XXXX. I was DENIED a {$25.00} refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: PLANET HOME LENDING, LLC
State: MD

Complaint narrative:
Loan modification was initiated I believe XX/XX/XXXX. 
Correspondence between Planet Home Lending began in XX/XX/XXXX. My loan rep, XXXX XXXX, asked for personal information, paystubs etc. which was sent every time he requested something. A large quantity of documents were sent to the lender. 

Then in XX/XX/XXXX, Planet Home Lending demanded payment, or pre-foreclosure action. This happened in the middle of my modification process. I reached out to the Dept. of Veterans Affairs, XXXX XXXX, to find out what I should do and I can't remember if she contacted the mortgage provider but I was assigned a new contact with Planet Home Lending, XXXX XXXX. 
Further requests for information to qualify for modification started again and continued into XX/XX/XXXX, explanation of bank deposits etc. or more detailed requests. Again we complied. 

Foreclosure never happened and the Loan modification was granted, XX/XX/XXXX. 

Keep in mind, paying your mortgage has to stop to qualify for the modification, and dragging out the process was never my intention. We satisfied all the requirements! 

The problem : The credit report has an " F '' next to XXXX XXXX - XX/XX/XXXX, and if we never foreclosed, and I was in the process of modification, I believe it is an incorrect credit flag, and pre-foreclosure should not have been initiated. 

I know we qualified because we had already gone through the modification of 3 rental properties. 

Anyway, I want to refinance our house in Delaware and this " F '' is the problem. 

Is there anything that can be done?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
For the past several years, I have attempted to get Equifax to correct longstanding errors on my credit report. Equifax has my information mixed up with that of a woman with the same name and birthdate as mine. However our middle initials and Social Security Numbers are different. Equifax is reporting the other persons SSN on my credit file as well as her accounts, many of which are delinquent. 

My latest attempt to get Equifax to correct their errors was on XX/XX/2021 when I disputed the erroneous data via Equifaxs online dispute mechanism. However instead correcting the errors, Equifax is instructing me to contact the companies who are allegedly reporting the erroneous data to Equifax. I tried to contact Equifax by phone to discuss the dispute however I was provided a number for a recording which would not connect me with a live agent. This occurred on 3 different occasions. I might add that there was the same problem with my XXXX  and XXXX  Credit Reports, however those companies corrected the erroneous SSN and accounts within a few days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: FL

Complaint narrative:
I noticed some accounts while looking over my credit report recently that are incorrect. These accounts are not mine and are fraudulent. I have not given access to my credit report to anyone so I do not know how this could have happened. Please investigate this issue and have these fraudulent accounts removed from me credit report so that I can obtain new credit.

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 2021-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
early warning reporting inaccurate information attach copy police report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BOK FINANCIAL CORP
State: OK

Complaint narrative:
I took out a loan beginning in XXXX. I signed all of the closing paperwork documents On XX/XX/2020 And provided all documentation prior to signing as the process happens. I've been continually contacted since then to provide more documentation. XXXX even requested documentation for card and account that I do not own. I have reported this to several different people and ask for supervisors on 2 different occasions and have never been called back. So I have a sign loan contract and bills that are unpaid because they will not send out the amount the contractor is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This is my second complaint I have reached out to the bureaus and I have received no response of my dispute. According to the FCRA the rules have 60 days to respond due to the pandemic. I am beyond frustrated with this issue I sent my letter to the company I have no notice that they have even. Started an investigation I want results now!!! I sent that letter out on XX/XX/2020. There is no reason it should be taking this long please send me results 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 explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
In XXXX I took advantage of a program called XX/XX/XXXX I qualified for $ XXXX assistance that went towards my principal that brought my home in line with the current market value. In XXXX, XX/XX/XXXX transferred the servicing of my loan over to Select Portfolio Servicing. I have been trying for the last year to have the PMI removed in which they were the ones who initially brought to my attention that my LTV value would permit it. They have giving me the run around after I paid their BPO they use {$120.00} to come out and give them the value of my home. The PMI costs me {$99.00} per year, which in turn has cost me over {$1000.00} and climbing because they refuse to release that amount due every month. We have gone back and forth from them telling me that I don't qualify due to having been late on my payments, to the value of my home, etc. When you call the company most of the representatives seem to not even be familiar with the mortgage process or verbiage when asking questions. So there in itself seems as though they hire incompetent people to assist homeowners. The balance on my home is {$150000.00}, the value of my home is over {$220000.00}. I feel like I'm apart of some type of predatory servicing company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation