vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
After freezing my credit report through my online Equifax account, my account was deactivated without explanation and I kept getting a message to contact customer service when I logged in. I contacted Equifax on XX/XX/XXXX and was informed the only way to activate my account was to fax my ID to them and they would resolve the issue. I immediately faxed my ID and kept checking whether the account was activated. Several months later there was no resolution. I called back on XX/XX/XXXX and was informed they did not have any recored of my fax ( even though I had a fax transaction confirmation ). They told me to fax it again and it would be resolved in 5-7 days. I immediately faxed the information and called them back on XX/XX/XXXX. I was again informed they did not have a record of the fax and there was nothing they could do. 

I have been denied my right to lift the freeze on my credit report and apply for credit. I am currently applying for mortgages as I have an upcoming closing date on a previously booked condo. Failure to unfreeze my report can result in hundreds of thousands of dollars in damages as my down payment may be at risk. I also believe there should be punitive damages assessed against Equifax for denying me the right to unfreeze my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WI

Complaint narrative:
In XXXX of 2020, we refinanced our VA mortgage loan. The broker who wrote the loan immediately sold the loan to Freedom Mortgage. We had the loan set up for automatic debits on the first of each month. The payments were automatically debited as agreed until XXXX when unbeknown to us Freedom stopped debiting the monthly payments. We learned of this in mid-XXXX when we received a statement noting a " Bankruptcy Notice. '' We have NEVER declared bankruptcy and were stunned. After a considerable amount of effort and being repeatedly told by Freedom they could not discuss the matter, we spoke with someone at Freedom who shared the details of the bankruptcy filing. The names did not match ours, the address did not match ours ( it was in another state ), the Social Security numbers did not match, and the loan number did not match. Despite all of these irregularities, someone at Freedom chose to put the erroneous information into our file and report the fraudulent bankruptcy to the credit reporting agencies. Our credit rating plummeted. And Freedom marked our account as " delinquent. '' They keep taking payment information over the phone but never processing it through our bank, deleted the automatic debit information, and refuse to reinstate it, continue to list our account as delinquent even though they have what they need to receive payment, and refuse to correct the erroneous information conveyed to the credit reporting agencies.

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 2021-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I paid off my balance on my revolving Line of Credit with Wells Fargo on XXXX. It was a business account. They withdrew {$120.00} from my personal Credit on XXXX even though there was a XXXX balance. I called them and they said that they would issue me a check. 2 weeks or more later I received the check but it was addressed to the business name instead of me personally. I took it to my bank on XX/XX/21 and they told me they couldn't cash it because it was in a business name and to take it to Wells Fargo who submitted the check. I went to a Wells Fargo Branch, waited over 30 minutes in a car line but they said since I didn't have a savings or checking account at Wells Fargo that they couldn't cash it. The Branch Mgr. said that he would give me a telephone # to call and that they would mail me a check overnight. I spent over two hours on the phone with 5 or 6 departments. No one knew how to fix the problem. They called the Branch Mgr. and he said that he didn't tell me that. I asked that he be reprimanded for his lie to me and to them. They said that another dept would call me back later. I received a call on XXXX from that other department. They informed me that were recording the call. I then informed them that I was also. She put me on hold, came back on and stated that the conversation was over since I was recording. She then promptly hung up on me. They took {$120.00} from my personal checking even though I had a XXXX balance. I want my money and now they won't even talk to me. I told them yesterday to simply send me a check in my name since the funds were taken from me and express mail it but no one at Wells Fargo was smart enough to figure out how.

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 2021-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
Dovenmuehle Mortgage became my loan servicer in 2020 following a refinance. The company has been collecting escrow payments for my property taxes. The company sent me emails stating that my property taxes had been paid to the county and local school district. 

Neither taxing authority has received payment despite the fact that Dovenmuehle says it has been sent weeks ago. 

Dovenmuehle has been non-responsive to a XXXX complaint and has failed to provide adequate information to allow me to confirm payments with the taxing authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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 Have been an a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 

This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 


Please remove the fraud account ASAP!

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 2021-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
There account reporting from CAPITAL ONE is already paid. This negative report affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX SSN : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains a late payment reported on XX/XX/XXXX for my Comenity Bank/ Wayfair account. 
I want you to know that I understand my financial obligations, and if it werent for the wrong address that you had on file for which I called 6 months ago to have it change I would not have missed the payment ], My debit card was stolen so I got a new one and didnt remember to call the bank since I didnt receive any letter to my new address for the late payment. Since I found out that I am being late from the XXXX XXXX I called the bank right away and made the complete payment of XXXX  . So I dont have any remaining balance. I have an excellent payment record and have never missed any payments., Ive a spotless record of on-time payments. 

Im planning to apply for a auto loan and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on XX/XX/XXXX Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NC

Complaint narrative:
My loan officer used high pressure sales techniques, at the end of our first phone conversation, stating he was on a recorded line, to collect a non refundable deposit. 
I reluctantly gave him my credit card information and he collected {$500.00} on XX/XX/2020. 
My loan officer made the projected refinance loan amount out for {$120000.00} which is approximately {$5000.00} more than what I currently owe on my existing loan. This was done so there would be no out of pocket expenses. My loan officer stated the cost of the loan could exceed that amount by two or three hundred dollars due to third party expenses. I now have a copy of the closing costs details to review posted on XX/XX/2020, and the loan amount is written up for {$120000.00} which is {$2000.00} more than the amount we agreed on. 
The loan officer offered me a lock down float interest rate of 2.25 % and I was told that if the market rate went lower I would get a lower rate. I was never offered a lower rate when the daily rate went down. 
The loan officer was angry with me when I reached out to theXX/XX/XXXXXXXX for advice and he told me to only communicate with him. I initially sent my loan officer a photocopy of my personal bank statements with the account number inked out. The loan officer stated that he had to have my bank account number which I later provided even though I was concerned about creating a security breach. 
The loan officer sent me an amortization of my projected loan refinance in which the APR for the loan was listed at 2.250 %.

In the loan Closing Disclosure that APR is listed 2.675 %. 
My present mortgage is a conventional loan. In all the information that I provided to the loan officer I never asked for a different type of loan. Without my knowledge the loan officer switched the projected loan offer to a veriable rate ARM. 
The loan officer was provided with information about my finances and it was made clear in our phone conversations that I was looking at refinancing to take advantage of interest rate savings. An ARM mortgage loan was never discussed nor was their any disclosure on that information prior to my receiving the Loan Terms Agreement and Closing Disclosure available on the internet for my review on XX/XX/2020. 
In my final conversation with my loan officer at the end of last year, he stated that if I didnt provide my electronic signature prices would probably go up. 
I have provided all the information that the company requested in a timely manner but when I contacted the Mortgage Sales Manager I got no response.

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 2021-01-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: eMortgage Funding LLC
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX # XXXX XXXX. I refinanced a mortgage through eMortgage LLC based out of XXXX MI. when i started my loan they told me that they would take care of the appraisal cost of my loan. On closing day my loan officer told me that he would have his company write a check the following Monday. He said this after I question why the appraisal cost was still on the loan documents. I asked if there was anything I needed to do to remind him or to make sure it happened that Monday. He said no. I waited over a week and asked him if they had sent the check and he said no, because they hadn't been paid for closing the loan yet. I waited a few weeks later and he pretty much ignored my texts and calls. finally I reached out by text informing him that I would be filling a formal complaint with Consumer Finance and XXXX if he didn't make it right. He reached out immediately saying give me a little time. He said he would probably have to pay for it out of his pocket once he got paid and his supervisor did not want to pay it now. He said he got paid on the XX/XX/XXXX. I asked that he reach out to me on or before that date to let me know if his intentions were still good. He said he would, but due to this complaint he has not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Transunion, XX/XX/XXXXandXX/XX/XXXXhave not responded to any of my disputes! I have been sending out disputes for over 6 months now and have yet to receive a single letter from the bureaus or any results! I understand that with the pandemic there is a delay but it can't possibly be over a 6 month delay. Lawfully they are required to respond to me within 30 days. There are inaccurate items on my credit that need to be removed!!

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 2021-01-08 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX and Experian have not responded to any of my disputes! I have been sending out disputes for over 6 months now and have yet to receive a single letter from the bureaus or any results! I understand that with the pandemic there is a delay but it can't possibly be over a 6 month delay. Lawfully they are required to respond to me within 30 days. There are inaccurate items on my credit that need to be removed!!

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 2021-01-08 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 — Investigation took more than 30 days
Company: Kriya Capital, LLC
State: WI

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
I purchased a check ( drawn on 5/3rd ) from my neighbors girlfriend who XXXX XXXX for a living. She is aXX/XX/XXXX XXXX  to the United States and regularly uses a check cashing service. However, her I.D . is expired and she did not want to go to the DMV during COVID-19 so I purchased her paycheck ( written on a personal check w/XXXX  pay in the memo line ) from her. However, when I presented it to 5/3rd on two separate occasions it was met with wrongful dishonor. Dishonor was wrongful because they refused to even check whether the drawer had sufficient funds or had entered a stop payment order. Accordingly, 5/3rd committed a tort against its client/the drawer of the check. Furthermore, they gave me bad legal advice that the person I bought the check from was liable but the indorser of an instrument is only secondarily liable so any action against the indorser for primary liability would be dismissed in court and cost me further money. This standard practice of 5/3rd is in direct conflict with well settled principles of law, causes financial detriment to persons such as myself, and poses a great danger to those in our society who are the least well situated to shoulder that burden. If I can not present an instrument for payment to the drawee bank, then where would I present it?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I contacted Transunion on multiple occasion about the inaccurate reporting on item XX/XX/XXXX# XXXX. They conducted an investigation and on the included copy of their credit report they state the following concerning this account : Date open XX/XX/2014 ( which is inaccurate ), the balance is stated as XXXX ( which is inaccurate ), they also report that the close date was XX/XX/2014 ( this is inaccurate ) and lastly that account was included in bankruptcy ( again this inaccurate ). 

I included a copy of a document that I received from XX/XX/XXXX indicating the inaccuracy of the investigation conducted by Transunion.

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 2021-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have been a with COMENITYBANK/VICTORI customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXX, XX/XX/XXXX. Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: NY

Complaint narrative:
To whom it may concern, I was looking my credit score on XX/XX/XXXX and noticed a few things were inaccurate and never authorized by me. The following hard inquires I never gave anyone authorization to run my credit. It is to my understanding to the car dealership did it without my approval or knowledge. All I know is I have no knowledge of the following and want it removed from my report. I am asking for the following items to be removed off my credit report on equifax and any other credit reporting agency company showing this fraudulent/not accurate information which includes the following XXXXXX/XX/XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX,XX/XX/XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXXl XX/XX/XXXX. I will also attach a picture showing what is coming up on my credit report so you guys see it as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: GA

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Hello, I wrote transunion a dispute letter back in XX/XX/XXXX. They received the information XX/XX/XXXX. I enclosed my updated ID and social security card only to get a credit report XX/XX/XXXX stating the wrong information still. I have disputed everything on my credit report and nothing is being correct, I have sent in the proper documentation to have my credit report updated. I have even called this company to inform them that none of my information as been updated are corrected. The bankruptcy court does not send out people public information to make it a public record. its student loans on my credit that are not reporting if it is not reporting remove them. I have paid things off and my credit score has not be updates are has the items been taken off my credit. This is hurting my credit and keeping me from getting a home loan, bank account etc. so i need them to get my information together and get it correct.

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