vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-10 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:
In XX/XX/2020 my wife and I applied for a {$510000.00} mortgage loan with Loan Depot to refinance my existing mortgage. The loan terms required {$40000.00} pay-down of the existing loan to meet the new loan program finance limits. I spoke with loan agent XXXX XXXX and provided the necessary information to apply for the loan. During the following week the necessary supporting documents were uploaded to Loan Depot 's secure website. The documents included information on my pension payments and account balances. The application was then approved and a 60 day rate lock was given for loan # XXXX. During the lock the period I turned XXXX years old. During the lock period I called several times yo inquire about the loan processing progress. Each time I was assured by Loan Depot the loan was progressing. The company login portal also stating the loan was being processed. As the 60 day lock neared I was concerned about meeting the lock deadline. I was assured by XXXX the loan would fund and if needed he could extend the lock period. The day before the lock deadline I was informed that the processing agents stated my income was not sufficient to grant the loan. I walked through the uploaded income documents with XXXX again and he confirmed he understood them and that my income was more than adequate to qualify for the loan. After the rate lock expired I was informed in writing that the loan was denied because my income was not sufficient. I filed a Loan Depot survey form complaining of the denial on XXXX XXXX.I offered to participate in a customer advisory committee. I have not been contacted by Loan Depot since.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
My complaint is with Bank of America ( BOA ). On XX/XX/2020, I inadvertently paid my {$680.00} BOA credit card balance to my mortgage account using my XXXX XXXX checking account electronic bill pay. When I discovered my error on XX/XX/XXXX, I first electronically paid the credit card account and then contacted BOA customer service to request a refund of the {$680.00} that was currently reflected in my mortgage account as " unapplied funds ''. After furnishing the BOA rep with my routing and account numbers, I was assured that the money would be restored to my account within 5 business days. I was given a confirmation number. When I did not receive the money, I again called BOA on XX/XX/XXXX. The rep I spoke with on that date stated that the money would be restored to my checking account in a total of 7 business days which he calculated to be XX/XX/XXXX. 
I called BOA a third time on XX/XX/XXXX when the money had still not been restored. The two previous calls as well as this one required an approximately 90 minute wait time before I was able to speak with a rep. On this date the rep told me that this " was above his level '' and transferred me to another department after first assuring me that the wait time would not be as long. After an additional 90 minutes on hold, a recording came on and suggested I leave a message and that they would return my call. No one ever did.

Prior to contacting BOA customer service this third time, I called a local branch where I live, but I was told they could not assist me, that I would have to deal with the customer service number I had been using. 
On XXXX I sent a message explaining the situation using the on line mortgage account " contact us '' link. An automated response said I would receive a response in 2 business days. I have never received a response. 
Each time after speaking with a customer service rep I completed the satisfaction survey I received via email. In response to my request on one of these surveys, I received a call on XXXX. The woman seemed very knowledgeable, immediately understood the situation, and assured me that she was expediting the return of the funds. ( I again provided my banking information to accomplish this. ) She told me that she would call me the next day, XXXX and let me know the status of the request, but it should be accomplished that evening or no later than the following day. She did not follow through with her promise to call me and update the status. As of this minute the funds are still sitting in the mortgage account as " unapplied funds ''.

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 2020-09-10 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: Credit Plus Inc
State: FL

Complaint narrative:
Unauthorized use of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I paid off the balance of the mortgage on XX/XX/XXXX. The company charged me a fee to reassign the mortgage to my new lender. It has been more than 90 days and the company still hasn't removed their lien from my property. Their incompetently slow processing is now causing me personal financial difficulties. When I call the bank they say that " they are waiting on signatures '' but take no action. The company charged me a fee related to this reassignment ... I believe that entitles me to reasonable execution of responsibilities. 

Additionally, but not related to this issue, the company took one additional monthly payment from my account after the loan was closed ... it took them several phone calls and more than 60 days to return those funds to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Good morning ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Original Creditor Name XXXX XXXX   balance of {$270.00}? ). I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXXXXXX XXXX for code of ethics violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: MA

Complaint narrative:
I have countless times contacted Equifax as they are reporting incorrect accounts on my credit report. MY credit report is mixed with my brothers. I have been disputing this since the last year ( 2019 ) I have even sent copies of my license, social security, and all the information needed to prove the accounts showing on my report are incorrect. I have been on the phone for countless hours and the agents refuse to let me speak with a supervisor or manager. At times I would be on hold for 20-30mins and  they just hung up on me. I have researched this issue and a lot of people have had similar issues as they use initials to identify reports and I need them to use my full name and confirm using my social security number. This is extremely frustrating as I have worked hard to maintain good standing with my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
***I have a open credit card account with Target and late fees from XXXX XX/XX/XXXX are being reported to all 3 bureaus and it is very inaccurate..also hurting my credit. 

****Target also reporting my balance incorrectly to all 3 bureaus as of XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: AZ

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have  got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Unauthorized use of my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Unauthorized use of my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My account was paid in full. American Express showing charge off, which is incorrect. High Balance also incorrect. This was a company card and I am not responsible for the debt. 

I did not personally guarantee this company credit card. I am formally requesting under Section 609 of the Fair Credit Reporting Act, that American Express provide me the original contract with written authorization/signature authorizing this account. 
If American Express is unable to verify this account with the original contract and signature, this account should be removed from my credit report within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Good Morning! - How are you during Covid-19? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before (  PORTFOLIO XXXX balance for {$420.00}? ). I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10 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: TN

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/20, I moved from XXXX XXXX. I was never late with any payment to them. However in XXXX, I received a letter from a collections agency telling me that I owed {$61.00} to XXXX XXXX for missing equipment. ( XXXX has an exclusive agreement with XXXX to supply internet/cable to their tenants XXXX. I did leave the equipment as instructed by the apartment. I called the XXXX, XXXX told me that, per a signed agreement, I was supposed to return the equipment to the office. I never signed that agreement. I left a message for the manager XXXX to call me. She never did. I called XXXX, they said I owed them nothing. They never placed me in collections. A few days later, I received an email from Experian telling me I was in Collections by XXXX XXXX for {$210.00}. I dont know what I am charged for nor did I ever received a bill. I paid it because of similar horror stories from ex tenants who were wrongly persecuted for years by XXXX. These stories are all documented on their reviews. Along with the reviews, there was a newspaper article relating the same experience. Please do something to stop these illegal practices by this company. This is extra income for them. Please help. BTW, throughout my five years there, I was constantly unhappy with their services.

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