vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-24 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: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I received a response from XXXX re : Conf. XXXX. It fixed most of the issues but did not resolve the Sequium issue. The dates are still inaccurate and all over the map. They and Sequium need to fix it. How many times do I have to provide the same information for both to pay attention, read what is sent, absorb it and get the hint that I'm continuing to catch their errors? I'm just not clear on why they can't see what's right before them. I want it fixed and I'm not backing down. They can't seem to fix it so remove it! That's a fair resolution in my book. Otherwise they risk my suing them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC
State: AR

Complaint narrative:
On XXXX XXXX, I was contacted for the first time ( as far as I know ) from an unknown number. They left a voicemail that said my full name and that I have failed to respond and now they are trying one more time before ending voluntary communication. The voicemail said that they were willing to settle for 70 % of the debt or offer 12 month debt payments. It then gave the account number for my collection account. 
I immediately called them back and requested that they mail the information to me so I can verify the debt as I am unaware of this medical bill theyre referencing. 
Later that day, I got the EXACT same recorded message that had been left on my husbands Ex-wifes cell phone that she forwarded to my mother in law, who forwarded it to me. 
Id like it noted that I have no connection to my husbands ex-wife and there is NO reason they should be leaving all of this information on anyones voicemail- much less someone Im not even related to or in contact with. 
It should also be noted that the voicemail is a recording from XXXX XXXX. When you call back, everyone refuses to let you speak to him because they claim he is the guy that just leaves messages. I have the voicemail recordings available for both calls and can be sure that theyre both recordings!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
On XX/XX/2021 I received a letter re : XXXX from Comenity Capital Bank indicating that my application for a XXXX XXXX XXXX XXXXXXXX Mastercard was denied because I had to many credit inquiries on my account. My credit score was XXXX as of XXXX XX/XX/2021 and I have other credit products with Comenity Capital Bank. Around that time, I was shopping for companies to refinance my home. Makes no sense that this company would deny my application especially if I have accounts and an impeccable credit history. I believe other issues are at hand because this makes no sense whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I applied for a mortgage with Pentagon Federal Credit Union. After I received no response, I called to check on the status of my mortgage application. A mortgage broker named XXXX XXXX spend one hour scolding, lecturing and belittling me because I have a large education loan. 

She refused to listen to me when I told her that the loan was in income based repayment ( IBR ) and that my loan was current with a XXXX payment due.

She told me I should get another job, and work more hours. When I told her already worked 12 hours most days, she said that I should be able to find more work.

XXXX  then stated that XXXX XXXX policy prohibited PFCU from offering me a loan. When I asked to speak to Underwriting or her Manager, she refused and said that I was did not deserve to speak to anyone else because I was " the most horrible person she had ever spoken with. '' I did not curse at XXXX, in any manner, and simply told her her was " snide. '' She then spent about 15 minutes, again lecturing, scolding and belittling me. I asked her if there was any hope of her helping me and she said no. I told her I was concerned because PFCU had already done a hard inquiry on credit. She said that was " too bad. '' After I hung up, I researched the XXXX XXXX policy that XXXX hammered and raged at me about and discovered she was wrong. Because I am in IBR, and my account is current, my educational loans are not considered in my Debt to Income ratio. 

I emailed XXXX XXXX again, and asked her politely to again look at my mortgage loan because she was incorrect. She did not respond. 

It is my certain belief that because I am a person of XXXX, XXXX XXXX discriminated against me, and refused to provide equal access to PFCE 's mortgage products.

I am a member of PFCU and have never made a late payment of any kind- to any creditor- in over 25 years. I previously paid off a car loan and a mortgage with PFCU. 

XXXX refused to look at my credit and payment history, collateral or income.

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 2021-02-24 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 had a fraud issue on multiple occassions within a few days of each other. I contacted Transunion about the issue and we placed a freeze on account. That same day and next two I had two more things pop up as inquiries and still havent gone away. I contacted Transunion again and they told me to mail in my disputes, which I did. It has been over two weeks now and nothing from them. 

There are no charges as they were just hard inquiries, but the dates and names of companies are as followed : XX/XX/21 - XXXX XXXX XX/XX/21 - XXXXXXXX XXXX I called XXXX XXXX immediately and they told me they closed the application and would try to help to contact Transunion. 

XXXXXXXX XXXX  called me and closed the application immediately, and contacted the dealership they represented and got that closed as well. 

I stil have not heard from Transunion and these inquiries have hurt my credit score.

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 2021-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
On XX/XX/2021 I made a normal loan payment to Wells Fargo bank of XXXX. 

On XX/XX/2021 the loan through Wells Fargo bank was paid in full by XXXX XXXX group. 
On XX/XX/2021 Wells Fargo charged me XXXX for interest for the paid off account. I paid the payment to ensure no late fee or bad report on my credit assuming Wells Fargo would correct their mistake. 

On XX/XX/2021 I reached out to Wells Fargo requesting a refund of my credit balance as well as the interest charged. I was told the money would go back to the account that I made the payment from ( XXXX ) I've made several phone calls and never allowed to speak with a supervisor to resolve this issue. I was told to talk with XXXX for a refund however XXXX did not make the payment, I did. 

I received the XXXX credit via check from wells Fargo but they still refuse to refund my XXXX stating they are investigating. 

I only made the payments to remain in good standing. Wells Fargo sent a letter stating they had 10 days. It is past their own deadline and now they are saying they have extended the time. I just want my money back.

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 monetary relief
Consumer complaint received 2021-02-24 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:
Good Afternoon, I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. I did some research and come to find out, they are indeed 100 % unauthorized. On XX/XX/XXXX, I contacted the 3 credit bureaus regarding these accounts and they were no help at all. This is very frustrating because I keep on calling and calling and still nothing. I feel like I am getting the run-around. I have also called these companies where the fraud happen and they could not verify my information. I immediately contact the FTC and explained what happen. I have attached the FTC report below along with my driver 's license.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: Conn's, Inc.
State: TX

Complaint narrative:
I have sent in numerous dispute letters and validation letters to XXXX XXXX XXXX, XXXX. XXXX XXXXXXXX XXXX, XXXX does NOT investigate Conns Credit corp. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX letter stating that the account was verified. I then send in a letter to see how the information was verified and I never receive a response back. The law states that the consumer has the right to request validation. 
The Fair Credit Reporting Act 15 U.S.C 1681 is the written law and XXXX XXXXXXXX XXXX, XXXX is breaking the law by not abiding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity Bank Zales Diamond Store - XXXX XXXX in the hospital from XX/XX/21 released XX/XX/21. The extra / exuberant interest of {$610.00} was added while I was in the hospital. As soon as I was released, I paid the Balance due and was still charged the {$610.00}. Due to my XXXX hospitalization, I am asking this bank to withdraw the {$610.00} interest charge because the Balance was immediately paid when I was released from the hospital and obviously could not have paid the balance while I was in the hospital with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: MI

Complaint narrative:
I have been a victim of identity theft. When I became aware of the fraudI I tried to find out the necessary steps to repair the damage that has been done. I noticed that many of my existing accounts had been compromised with fraudulent charges that weren't authorized by me. I was advised to get a police report, file a complaint with the FTC, and to send a notarized affidavit to the credit reporting agencies. I sent in the required documents and they removed the items that had been affected. Shortly after they removed them, Transunion decided to reinsert the very same items, and said that the items had been verified. That is a clear violation of the law and of my rights.

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 2021-02-24 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: FL

Complaint narrative:
i did not get give transunion a verbal nor written consent, i did not authorize nor benefit from any of the following inquiries, Block and remove them 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 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: NC

Complaint narrative:
The was an illegal inquiry/pull of my credit report by XXXX XXXX in XXXX. Corelogic is displaying illegal and allowing illegal use of my credit report. I don't have and never had account with XXXX XXXX or giving anyone permission to pull my credit report or put anything on it which is supported by attachments. Even after XXXX XXXX sent letters that acknowledged this XXXX  and core logic continues to display illegal innacurrate information. Information remains on report in relation to illegal inquiry. Also corelogic stated that I requested a fraud alert and also that they sent me a letter. That is absolutely false. I already had fraud alerts and blocks on my credit report because of fraudulent activity. They never sent me a letter, they just using that to cover there XXXX. My name, social security number, and address has not changes ever. All the same. All documents have been attached including XXXX acknowledgement of illegal account and the request to delete it from XXXX  corelogic, false statements made on behalf of corelogic and fake letters they said they sent.

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 2021-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been asking for the PMI disclosure statement and any other disclosures related to PMI that were provided to me at closing. I have a generic PMI letter that is signed by me but it not specific to my loan and does not provide any dates. Wells Fargo has sent this same letter to me twice. My understanding is that a PMI disclosure statement is required to be provided to me al closing. I base this assumption on language I have read in the HomeRequired disclosures under Homeowners Protection Act.

( HPA ) ( PMI Act ) : 1. Amortization Schedule AND 2. PMI Notice which discloses the following : Borrowers right to request PMI cancellation when the LTV on the loan reaches 80 % of the original value and the date this will occur based on the initial amortization schedule Borrowers right to request cancellation at an earlier date if actual payments bring the LTV to 80 % sooner than scheduled PMI will automatically terminate once the loan reaches 78 % LTV and the date this will occur based on the initial amortization schedule There are exemptions to the cancellation and automatic termination provisions for high risk mortgages and whether these exemptions apply to the borrowers loan I believe I may be missing some disclosures as it relates to PMI. I would like to have those provided to me.

Based on the document I have signed, I may be eligible for a partial refund of PMI if my loan is paid in full. Wells Fargo first took the stance that the loan had to be active in order to be eligible for a partial refund ( of unearned premium ), then later told me no because it was a non refundable policy and now told me that I am eligible. Most of this discrepancies are in fact in writing to me from Wells Fargo.

I have also asked to under stand the process of the refund once the loan is paid in full. I have been told that there is no process and that Wells Fargo will just send a check once it's paid in full.

At this point I want to review all documents provided to me at closing related to the PMI piece and I want Wells Fargo to confirm that they are required to refund any unearned premium once the loan is paid in full ( in the next 60 days ).

From the Homeowners Protection Act in regards to unearned premium : Return of Unearned Premiums The servicer must return all unearned PMI premiums to the borrower within 45 days after cancellation or termination of PMI coverage. Within 30 days after notification by the servicer of cancellation or termination of PMI coverage, a mortgage insurer must return to the servicer any amount of unearned premiums it is holding to permit the servicer to return such premiums to the borrower ( 12 U.S.C. 4902 ( f ) ).

If the proper disclosures required by law were not provided to me, I want that in writing with an explanation as to 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 2021-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Apple card advertised I was eleigible for a credit card WITHOUT any hard inquiry to my credit and that my credit would not be effected and IT WAS. I want it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA

Complaint narrative:
Lake view Loan servicing LLC ( LLS ) was supposed to pay my real estate taxes in XX/XX/XXXX when I closed on my loan. They never paid them. In XX/XX/XXXX ( XX/XX/XXXX ) I received a tax delinquency notice from my township. I contacted XXXX on the same day and requested they take care of it. I was told a ticket was open and the taxes would be paid by XX/XX/XXXX. On XX/XX/XXXX I contacted LLS and was told a check was sent out to my township for my taxes. On XX/XX/XXXX I received a lien notice from my township because my taxes were not paid. When I contacted LLS I was told they made the mistake and the taxes would be paid by XX/XX/XXXX. I followed up multiple times between XXXX to get a status. I was told it was elevated to the highest person it could go and that I needed to wait until XX/XX/XXXX for it to process. Well here we are XX/XX/XXXX and NOTHING. Now I am told its been escalated again, but I have to wait at least 24 hours for someone to look at it. And then however long itll take for someone to pay it. This is a nightmare company. They dont care how they affect your life. They hold YOUR escrow and down pay the taxes they are required to pay! I dont even have the ability to pay my own taxes! Im forced to have them included in my mortgage payment! Please help! 

I spoke to Supervisors : XXXX 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
Consumer complaint received 2021-02-24 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I recently check my credit reports and seen I had over 230 inquiries. There's no way I obtained all these inquiries and some of the dates, addresses, and places of inquiries don't even add up. I've requested to have these removed immediately from the bureaus due to possible fraud and nothing has been done. XXXX  was the only credit bureau to actually look into this. I want these off my credit NOW!!! I know my rights when it comes to fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I first contacted XXXX XXXX  to ask about one of there credit cards base on my credit they instructed me to go on line in fill out an application they also told me they would not attempt to make a inquiry from the three credit bureaus about credit worthiness intel I was sure I what the card. After that I got an alert from Experian indicating me that my credit sore drop 39 point I WAS COMPLETY OUT DONE. I've had many inquiry before car loan, personal loans, ect. Yet never has my credit score drop 39 points, in addition I never gave XXXXXXXX XXXX consent to pull my credit. I fill strongly deceive by both XXXX XXXX, as well as Experian. I tried reaching to Experian to there supervisor XXXX XXXX via email but he has never replied. I talk with XXXX XXXX they told me that they would have Experian remove the inquiry immediately. Yet they have not I'm asking CFPB to have Experian to remove this enquiry off of my credit report Now. I can be reach at XXXX XXXX XXXX or via email, XXXX Thanking you in advance 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
Consumer complaint received 2021-02-24 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:
I AM XXXX XX/XX/XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! Equifax, XX/XX/XXXXand XX/XX/XXXXneed to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.

Company response to consumer: Closed with explanation