vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-06 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: CT

Complaint narrative:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this 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 2021-01-06 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: CA

Complaint narrative:
As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!

I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I get robo calls from the Marriott group 2-3 times a day. Im registered in the do not call plus Ive blocked each number that calls me but they use so many numbers its impossible and a complete nuisance and they should be fined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: CT

Complaint narrative:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have disputed the addresses and jobs, and names that show on my credit report. 

I was only give one name which is XXXX XXXX. My current address is XXXX XXXX XXXX XXXX, NC XXXX My place of employment is XXXX I have sent in proof multiple times with no update or response.

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 2021-01-06 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am unable to access my credit report or any other credit information through Experian. 

The phone number associated with my Experian account is no longer my phone number. In order to log in, Experian is asking me to confirm my identity via the phone number they have, which I do not have access to. I am unable to reset my password to access my report because this process also requires confirmation through the phone number I do not have access to. 

Beginning on XX/XX/XXXX I have attempted to contact Experian 's customer service thirteen times and have only received two automated responses that have not solved the problem. 

As of today ( XX/XX/XXXX ) I am still unable to access my credit information through Experian.

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 2021-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
Good Afternoon, Since the initial mortgage payment, Caliber has repeatedly confirmed that they were applying my payment to another address. I emailed the loan officer XXXX XXXX, forwarded the emails received from Caliber stating they had received my payment but were applying my payment to a address that is not my own. Emails and repeated calls to customer service has yet to rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
To whom it may concern, We wanted to file a complaint regarding the very unpleasant mortgage application experience we are having with Chase.

We started our mortgage application with Chase on XX/XX/XXXX, and always provided requested document within 1 day. Chase promised that they can get the loan done before our closing date of XX/XX/XXXX. However, they started to become very unresponsive as we came close to closing date. Every time we check in with them, they claim things are still under review. Now we are well past our closing date and if we can not close in the next few days we would need to pay a daily penalty of XXXX {$500.00} to the building sponsor. We called and emailed but the person responsible for underwriting is not responding. 

We would like to raise this issue and hope your organization could help us escalate to Chase to have it resolved ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Navient refuses to accept a letter from our bank allowing us to make online payments. They have requested we send a letter from our bank, which we have done 3 times now, and they continue to refuse to open online payment options. Because of this, we are forced to call and make our payments. We have 2 federal loans and 2 private loans. At least every other month, they inaccurately allocate our payment to overpay the private loans and make our federal loans late. This results in late fees. When I call to correct it, they refuse to do so without my husband, the borrower, on the phone to correct it, stating they can not make changes to the account without the borrow, even though they had no trouble accepting the payment when I called. I have requested to speak to supervisors and am never helped any further. This is absurd. We pay our bill every month, and they constantly XXXX it up. The phone assistants we speak to are usually very sympathetic and helpful, but their hands are tied due to Navient 's awful and sketchy customer service policies that seem to be out to make it difficult for the borrower to make payments and make them on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: LA

Complaint narrative:
On XXXX I've file disputes for those inaccurate and unknown accounts I found on my credit report. I'm a victim of XXXX  Data Breach. It's almost 60 days now but I haven't received any response. I demand for immediately DELETION of those accounts or I will file a litigation that cause me stress.

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 2021-01-06 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: LA

Complaint narrative:
On XXXX I've file disputes for those inaccurate and unknown accounts I found on my credit report. I'm a victim of XXXX Data Breach. It's almost 60 days now but I haven't received any response. I demand for immediately DELETION of those accounts or I will file a litigation that cause me stress.

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 2021-01-06 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: NC

Complaint narrative:
I have disputed the addresses and jobs, and names that show on my credit report. 

I was only give one name which is XXXX XXXX. My current address is XXXX XXXX XXXX XXXX, NC XXXX My place of employment is XXXX I have sent in proof multiple times with no update or response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have disputed the addresses and jobs, and names that show on my credit report. 

I was only give one name which is XXXX XXXX. My current address is XXXX XXXX XXXX XXXX, NC XXXX My place of employment is XXXX I have sent in proof multiple times with no update or response.

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 2021-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
My husband and I apply with our mortgage company to refinance, back on XX/XX/2020 after 5 long months of waiting The loan officer approved our refinance amount, to 3.75 % to 30 years we wanted to negotiate with him the terms of interest to high and the market were still is in 2 % or less than 3 % and he desires to close the case and denied the credit. 

During those 5 months, we pay the necessary fees and sent several emails phone calls trying to speak to this loan officer. In those 5 months, he spoke to my husband 1 time to collect the necessary documents and that is all. 
We applied with another company and close within 45 days. 
I'm complaining because this can not happen to anybody else. 
I just want to make a note of this officer 's behavior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX  XXXX  XXXX  XXXX  XXXX  XXXX Complaint XXXX Dear XXXX XXXX, Thank you for your response to my CFPB complaint. 

Your argument is nonsensical. 

Therefore, I must insist that the Bank pay the advertised bonus of {$300.00}. 

Otherwise, I will seek treble damages in XXXX XXXX XXXX. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: WA

Complaint narrative:
On XX/XX/XXXX I was to receive {$790.00} ( retirement ) and on XX/XX/XXXX {$770.00} SSI. Once my SSI was deducted I received {$23.00} as my monthly SSI/XXXX  payment. This left me awaiting my retirement money which I am told is on a different debit card with a different card number. I have tried and tried to call DirectExpress and resolve this issue and I get nowhere. They say they need to transfer me to someone else and every time it only gives me the original menu for the wrong people. 
I have been able to find out that the retirement card starts with XXXX and ends with XXXX. Also I have an account number XXXX and possible tracking number of XXXX. I have this info but I can't even get to talk to someone to use it.. I have tried for nearly a week.. It's possible it got sent to an old address.. I called there and they don't have it or it may have been sent back. BUT again, I can't talk to someone to do a search or tell me something tangible. I really hope your agency can help me.. My rent is over due and I'm looking at being homeless which scares me.. Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
The week of XX/XX/XXXX, I spoke with a representative at Santander Consumer USA regarding a large payment onto my automobile loan. I explained to the representative the payment was for any late fees, current month payment in future payment. I explained that the payment was going to be in the next couple days and he told me he was going to notate the account. On XX/XX/XXXX, I called back to make the payment. I tried to make the payment for {$4200.00} one-time and the representative told me the payment had to be split into 2 payments. The payment was successful. 


In XX/XX/XXXX, I was checking my credit report and noticed I was reported for a late payment. When I called the automated system said no payment was due. When trying to reach a representative the wait time was extremely long and was locked out of my online account. 

I spoke to a representative today ( XX/XX/XXXX ) and I explained what happened. He acknowledged it was a mistake on Santander behalf and the previous representative did not apply my payment to the future payments and it was entered incorrectly. The payments went to the principal balance of the account. He requested for the balance to go towards the balance and to call back in 2-3 days to see the outcome.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
I initially acquired this mortgage through XXXX XXXX XXXX. during the months of XXXX owning this loan, XXXX XXXX XXXX made an error with my escrow account which once I had CFPB involved, ( They forced place HOI on me while I had correct HOI ) the remove all late payment and accepted fault and remove all late payments from my credit report. 

Shellpoint mortgage then acquired this loan and I am having the same issue with Shellpoint mortgage. I had to pay my own taxes for the period ending XXXX of {$2500.00} and while still escrow monthly. 

Shellpoint completed a new escrow analysis and is coming up with a total escrow monthly of {$640.00}. whereas my annual taxes is {$3200.00} and Insurance is {$1400.00}. 

I called the county where I live and verified that the taxes for 2020 would be {$3200.00}. and spoke with my insurance company who indicated my new annual premium is {$1400.00}. therefore my total taxes and HOI would be {$4600.00} / 12 = {$380.00} monthly. 

Shellpoint wants me to escrow for $ XXXX monthly. at the end of their analysis, they came up with escrow shortage of {$1300.00} which I called shellpoint and paid off the complete shortage XX/XX/2020. 

Although I made the escrow shortage payment, shellpoint is still making me pay for the total shortage over 12 months. 

the concern I have is ; A ) I was denied waiving escrow as they are claiming I was delinquent in the rent 24 months which I was not. am not delinquent and paid my monthly escrow + had to pay my full simi-monthly taxes to county of {$2500.00} in 2020.

B ) Shellpoint came up with an escrow shortage of {$1300.00} which I paid in full and shellpoint still charge me a higher monthly escrow and did not credit the {$1300.00} to offset the escrow shortage. 
.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/XXXX I made a phone payment in the amount of {$750.00} to my mortgage servicer, KeyBank. On XX/XX/XXXX, I saw that the payment overdrew my account at XXXX XXXX XXXX where my checking account exists ( my direct deposit from my job hit my account on XX/XX/XXXX which caused the overdraft for the payment ). I immediately called KeyBank and advised them of the insufficient funds and ASKED MORE THAN ONCE if they automatically try to RESUBMIT THE PAYMENT FOR THE {$750.00}. I was told " KeyBank WILL NOT GO BACK INTO THE ACCOUNT, RESUBMITTING THE PAYMENT. '' I was concerned if I made another payment and this was incorrect, my XXXX account would be overdrawn because I had other items scheduled to be taken out of my checking account that normally come out during the first week of every month. After the representative made clear that there would not be a second attempt to get the payment, and me not wanting to have an outstanding amount owing, I made another payment with my checking account with the representative at that very moment on XX/XX/XXXX. On the very next business day, XX/XX/XXXX, my account was negative for TWO PAYMENTS of {$750.00}. I left work early after making an appointment with XXXX XXXX to try to get the double payment reversed and at the same time called KeyBank to explain what happened to see if in fact my bank could not reverse the error IF THEY COULD AS A RESULT OF THEIR ERROR REFUND ME MY {$750.00}. While they apologized for the incorrect information I was told because they do and did make the 2nd attempt and collected a double payment, I was told they could keep the payment for XXXX OR SEND ME A CHECK AFTER THEY LOOKED INTO IT WHICH WOULD TAKE SOME TIME. This was not acceptable. My bank worked with me and said they could TRY to reverse the payment and refund A service fee, however, I had other items that were going to post which would cause more than one overdraft fee, which is what has happened since XX/XX/XXXX UP TO THE WRITING OF THIS COMPLAINT XX/XX/XXXX. I received more incorrect information after calling KEYBANK again to ask for a refund and was told THEY DO NOT REFUND OVERPAYMENTS. My account is SEVERELY OVERDRAWN and XXXX XXXX XXXX can not overturn " multiple reversal/return fees and overdrafts '' which are 100 % KeyBank 's responsibility for going into my account on multiple occasions. My checking account is ruins. I met with the General Manager of XXXX XXXX who tried very hard to help me, but a lot is out of his hand. There are notes on both accounts that outline this entire fiasco. PLEASE HELP ME!

Company response to consumer: Closed with explanation