vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was contacted by The XXXX XXXX XXXX rep on XXXX and I agreed to pay and settle in full, but my report still shows a balance of {$1600.00}.

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 2020-12-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have been trying to honor my signed agreement with my loan modification from XXXX XXXX XXXX, a company hired by Bank of America to service loans during hardship. I was given back to or my servicing was returned to Bank of America in XX/XX/XXXX. From day one Bank of America has been attempting to dispute my payments and insisted that I owe more than the signed modification. This claim they say is because of my city taxes, however my city taxes have not increased since XXXX which was 2 years before the loan modification. They then said it was my homeowners insurance. This policy is lender placed and exceeding the amount that the loan is for. I then placed my own insurance on my home but the insurance cancelled because I needed a roof. Inspire of this my main problem still is why the bank is not working to honor the modification which helps me to avoid foreclosure. I feel Bank of America is being unfair by placing unaffordable insurance on my home along with discrimination against me and my status as a single XXXX home owner. The bank isnt trying to work with me on affordable insurance because its not profitable to them. This is my home Ive been here for 16 years and Im trying to stay in my home. I hope you can help me with this matter.

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 2020-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
I have a conventional loan with loandepot and want to refinance. For that, I have been trying to get payoff statement but being denied the statement. I have emailed to the customer services as well as tried to contact the phone number provided but no one respond to the numbers or not able to reach customer service. Bacause of that my refinance application is being delayed unnecessarily and causing me financial loss in the form of higher interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
My currently mortgage loan was with Ditech financial an Ditech filled a foreclosure on my loan in XXXX saying I had missed 6 months of payments. I called my bank XXXX XXXX and the sent proof that I was making all the payments Ditech said ok well reimburse your money that you paid us for the mix up. Ditech filled bankruptcy at the end of XXXX, Shellpoint Mortgage took over my loan. XXXX I was still behind I sent Shellpoint all of my documents showing what I had paid. I started make payments to Shellpoint and its XX/XX/XXXX my payments have not been applied to my account as of yet Im still out of about {$3000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
On XX/XX/XXXX I reported three fraudulent transactions from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They closed my account, will not reissue a card and stated they did close it on XX/XX/XXXX. I did not have an account then. They wiped my statements, took my reward points and have not refunded my reward points from a carnival cruise that was COVID cancelled. I'm at a loss as to what's going on. I need the fraud investigated and my account restored asap along with a replacement card. They seem to have no information of my account except a balance that I will try to transfer if this goes unresolved.

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 2020-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Credit bureaus if they reinsert a removed item from your credit report without notifying you in writing within 5 business days.

Consumer protection afforded by the FCRA Section 611 Part ( A ) ( 5 ) ( B ) ( ii ) Fine {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: FL

Complaint narrative:
I sent Identity Theft Affidavits and Police reports on XX/XX/2020. The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

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 2020-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I paid my pay off account balance of {$810.00}. After paying off what my statement indicated would be my pay off account balance I was charged {$10.00} of interest while my payment was being processed. I've had my credit card with BVVA Compass since XXXX and had never missed a payment. Due to COVID and living in XXXX county I was forced to move out of my parents home since I had to continue working and my parents have XXXX XXXX and could not be expose. On XXXX I was exposed to XXXX  by my roommate. I had to quarantine and could not go near my parents home. I did not have access to my mail until recently. I received 1 letter in XXXX that my balance was past due. I called BVVA Compass immediately and asked why I was being charged. They said it was interest accumulated while my balance was being paid off. I paid the unfair interest charged after my pay off balance and the late fees accrued, to avoid getting any more fees. To top it off BVVA Compass reported the so call late payment to the credit bureau and my credit score dropped by 79 points. I called BVVA Compass for help. I asked why I had been charged interest after their online account statement clearly stated my pay off balance was {$810.00}. I tried to explain how I had never missed a payment, I was willing to set up for auto-payments, and explained my situation due to XXXX. The customer service was insensitive and stated they could not help me. It is not right for BVVA Compass to have charge interest while my payment was processing for the full account pay off balance. And for a company of this size to be inconsiderate of the global pandemic and the circumstances some of us have to face.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Credit bureaus if they reinsert a removed item from your credit report without notifying you in writing within 5 business days. 

Consumer protection afforded by the FCRA Section 611 Part ( A ) ( 5 ) ( B ) ( ii ) Fine {$1000.00}

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 2020-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.

Complaint narrative:
My name is XXXX XXXX XXXX, I temporarily moved out of USA. I gave my forwarding address @ my friend address in US @ XXXX. 

Recently somebody opened a Debit card account # XXXX XXXX XXXX XXXX on my name with Chase, physical card came to my friend 's address, hence came to our notice. However I requested Chase to close this account today, not sure what are the other damages happened or going to happen. 

I see they/fraudster used online username as XXXX, emailid as XXXX XXXX XXXX, this I came to know, when I try to see if I can create online account with the given card number. 

I am out of USA for now, could you please help track this before bigger damage happened?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
In XX/XX/XXXX, I closed on my home and the original home loan provider was XXXX XXXX XXXX XXXX XXXX. This is a VA home loan escrow with a monthly mortgage payment of {$1200.00}. Shortly after closing, XXXX XXXX XXXX XXXX XXXX sold the loan to another loan provider named Mr. Cooper. My first mortgage payment was due in XX/XX/XXXX and since then, I have made my monthly payment at the start of each month. 

I do not use Mr. Cooper 's autopay feature. But rather I use my bank XXXX XXXX XXXX to initiate payments. Also, I do have an online access to my statements through Mr. Cooper but because my monthly mortgage payment was consistent thus far, I had no reason to access my account through Mr. Cooper. 

On or about XX/XX/XXXX, I received an email alert from XXXX  credit reporting company that a change in my credit was detected. That change is a 30 day late payment for XX/XX/XXXX loan payment for my mortgage through Mr. Cooper. 

I accessed my XXXX XXXX  account and confirmed a payment of {$1200.00} was sent at the beginning of XXXX XXXX well before 30 late payment date. This {$1200.00} was not returned. Because it has been several months since I had accessed my Mr. Cooper account, I did not remember my log on credentials to verify Mr. Cooper received my payment. Instead I spoke with a customer service representative and it was explained my escrow amount due had increased. Specifically, my property taxes increased by {$100.00} per month. 

This property tax increase was unknown to me. I did not receive any notification from Mr. Cooper by any means. I did not receive any notification from the city of XXXX, XX/XX/XXXX As a new homeowner, I never had any inclination of a tax increase. 

Mr. Cooper did not apply the XX/XX/XXXX payment of {$1200.00} to my home loan and did not inform me. Instead, it was kept into another account with that amount " suspended ''. Because my XX/XX/XXXX payment was not applied, this triggered a 30 day late payment on my XXXX  credit file. 

The customer service representative I spoke with stated that Mr. Cooper has a policy that if amount owed vs amount paid is {$100.00} or greater ( in my case {$100.00} ), they do not apply the loan payment thus triggering a 30 day late payment after XX/XX/XXXX. 

I had also made a {$1200.00} payment at the begging of XX/XX/XXXX. Because the credit reporting monitoring service alert came before XX/XX/XXXX, I was able to add an additional {$100.00} to my XXXX payment thus preventing a 30 day late payment for XX/XX/XXXX. I also paid the XX/XX/XXXX difference of {$100.00} at the same time with a {$200.00} one time payment. 

Currently, I am in good standing with my mortgage through Mr. Cooper. However, without a credit reporting monitoring service through XXXX  and their failure to inform me, the XXXX payment would have turned into 60 day late payment on XX/XX/XXXX 90 days late on XX/XX/XXXX, and so forth.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I moved my funds out of my account in order to get a XXXX balance, which was needed in order to close the account. This is an account that had not charged a service fee in the past. As soon as the account level went to XXXX, a charge was levied such that my account now shows a negative balance of {$12.00}. When I called, they told me that a fee was levied because the account balance did not meet their criteria for a fee ... but they would refund the {$12.00} and close the account. So that is nice but they need to be called out on the whole mess.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi, Ive been disputing with this company XXXX XXXX XXXX XXXX for awhile about this fraud debt. The company verified the account was not mine and the charge was not mine. Also the XXXX  office said the charge was not made by me or anyone on my plan. However, they sold the debt and the responsibility to remove fraud was on the debt owner. This company continuously gives me the run around. When I started disputing months ago providing all documentation the debt was around XXXX $ now its a over XXXX . I asked to pay off to get it off my credit report and they tacked on more fees and have no online system to verify payment and get documentation of proof of payment. 

Originally company took over 60 days to respond which would be an automatic deletion from credit file. However, I wanted to gain as much information about the fraud to report to FTC. This account is fraud. Rep even looked up the account and gave me the name of the person and told me I needed to contact them and go to court to sue the person to pay them for the debt which is unethical. Please remove as this is fraud. This was a line of credit and not part of any plan I had XXXX office proved it wasnt anything covered by my plan and I did not sign for the treatment nor was the treatment done on anyone from my plan. XXXX office states it was fraud.

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 2020-12-01 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: CT

Complaint narrative:
I've been submitting disputes with this company since XX/XX/2020 only to be ignored over and over again. I've sent police reports as well as identity theft documents supporting my claims and this company chooses to ignore my disputes. This company is in complete violation of the fair credit reporting act and doesn't seem to care cause they are not held accountable for their actions. I've been emotional and financially scarred from this. I've been denied shelter for me and my family do to the negetive effects this has on my credit. I've been involved in Equifax 's recent data breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
I had been working on cleaning up my insurance claims history file with Lexis Nexis, when I discovered it had a lot of wrong personal information. Three names ( not mine ) Multiple addresses ( not mine ). I have called 6 different times over the last 4 month and went line by line disputing misinformation, however each time the report was mailed it still had the same misinformation. The last two times I asked to have my California report deleted which apparently a consumer in California can do, but each time the report has not been deleted. I am at my wits end with this company. Also multiple times I have asked to speak with a supervisor only to have the customer service rep create a ticket for a supervisor call back ( they say within 24-48hours ), however a supervisor call has never been received. The last call to Lexis Nexis was on XXXX and I spoke with XXXX in reference to report & case # XXXX, # XXXX with consumer # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TCF NATIONAL BANK
State: CO

Complaint narrative:
I took out a HELOC loan with TCF bank in XXXX of 2020 for {$100000.00}. The account number is : XXXX. I have subsequently decided to re-finance my primary and HELOC mortgages into a new re-finance with only one payment going to the new mortgage company. When a credit report was run by my broke, two accounts were showing as liens. The aforementioned account in the amount of {$87000.00} and a second account number XXXX XXXX XXXX in the amount of {$34000.00}. The total of these two accounts equals {$120000.00} which is NOT the amount I borrowed. I just called TCF and finally spoke to an associate ( XXXX ) who informed me that only one account was open, the original XXXX. When I inquired as to why there were two account, he abruptly replied, " Because we merged '' ( TCF merged with Chemical Bank after my loan was finalized ). I then inquired how to remove this second account from my credit report and he said to contact the credit bureau. I knew this was absurd as they have no control over what is put on the report. They only report what is there. I informed him that this is not the credit bureau 's responsibility and that TCF is responsible for this. I did not receive an answer from him. 
I immediately called my mortgage broker ( XXXX XXXX  ) and told her the situation. She indicated they would request a payoff to see if both accounts would be removed from my credit report. I am extremely concerned about the {$21000.00} overage due to TCF 's poor account measures and do not want this affecting my credit score which I'm sure it already has. Moreover, I need to re-finance this mortgage if for no other reason, to remove myself as a TCF customer. I have had several problems attempting to contact them and establishing myself on their website since the merger.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi, Ive been disputing with this company XXXX XXXX XXXX XXXX for awhile about this fraud debt. The company verified the account was not mine and the charge was not mine. Also the dental office said the charge was not made by me or anyone on my plan. However, they sold the debt and the responsibility to remove fraud was on the debt owner. This company continuously gives me the run around. When I started disputing months ago providing all documentation the debt was around XXXX $ now its a over XXXX XXXX I asked to pay off to get it off my credit report and they tacked on more fees and have no online system to verify payment and get documentation of proof of payment. 

Originally company took over 60 days to respond which would be an automatic deletion from credit file. However, I wanted to gain as much information about the fraud to report to FTC. This account is fraud. Rep even looked up the account and gave me the name of the person and told me I needed to contact them and go to court to sue the person to pay them for the debt which is unethical. Please remove as this is fraud. This was a line of credit and not part of any plan I had dental office proved it wasnt anything covered by my plan and I did not sign for the treatment nor was the treatment done on anyone from my plan. Dental office states it was fraud.

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 2020-12-01 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 sent Identity Theft Affidavits and Police reports on XX/XX/2020. The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

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