vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
I have a XXXX XXXX XXXX and the servicer is FirstBank. I have been in Mortgage Moratorium since XX/XX/XXXX and the moratorium expired on XX/XX/XXXX. FirstBank does not want to provide me with alternatives. They want me to cover the amount of {$12000.00} in a single payment. I am enrolled in a Federal Treasury program run by the XXXX XXXX XXXX Department where I am eligible to cover those months in arrears and bring my mortgage up to date the program page is www.covidhipotecas.com but FirstBank does not want to extend the moratorium or give me additional time to complete my process with the housing department and be able to cover the months in arrears. They tell me that since 18 months have passed to this day they will begin the legal process against me to take away my house and damage my credit, I consider it unfair since the Covid-19 Pandemic has not been my fault but FirstBank and XXXX XXXX show indifference to my suffering and do not want to give me options, only to deprive me of my house and damage my credit, which seems very unfair to me. I need help to preserve my home and protect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax has 5 hard inquiries that I have asked for FAIR CREDIT REPORTING ACT SECTION showing why did these hard inquiries allowed when I had CREDIT FREEZE during the time. Then I wrote about section XXXXand XXXX that shows exactly how the inquiries came through without signature, spelling of name, who they talked to and the list goes on. They need to take all 5 hard inquiries off.

1. Factual Data XX/XX/XXXX. 
2.XXXX XXXX XXXX XX/XX/XXXX. 
3.XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. Can't/ tires XX/XX/XXXX All these had credit freeze and XXXX customer service lies. They don't understand XXXX the way we do. They are taught to break the law. They also just hang phone up on you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Please refer my previous CFPB complaint XXXX. 
Wells Fargo is just not letting me close my account. Instead they started charging me fees for XXXX balance. 
They can call me at XXXX to talk to me during Mon-Thu from XXXX XXXX  to XXXX XXXX  Central time or friday from XXXX XXXX  to XXXX XXXX  Central time. 

Moreover if one can open account online without going to branch so why one can not close the account online? 

Due to COVID-19 - I am not going to any place for notary or into their branch to close this account. 

I am doing part - time job and have to take care of kids while remote learning. Why wells fargo doesn't have chat or secure message options or email to do this work?

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 2021-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: MD

Complaint narrative:
I obtained a mortgage loan in XX/XX/2021 for the purchase of a residential condominium unit. The loan was soon sold to Amerihome Mortgage Corporation. In XX/XX/2021 I received a letter from Amerihome that I did not have a flood policy and that I had to obtain one or they would force place a policy. The property is in a flood zone. However, the property is a condominium and there is a NFIP master flood policy in place which meets FNMA guidelines according to my original lender. I called Amerihome and they advised me to forward the policy which I did.They promised to have it resolved in a few days.Weeks went by with no response. I received another letter stating the same issue. I called and was again advised to send a copy of the policy and they would call back in few days. I did not get a response from Amerihome until I received an escrow analysis with a {$910.00} flood policy premium added for a forced placed policy resulting in an increased monthly payment. I have called numerous times, provided the information and received promises that they will resolve it and call back in a few days. They have not once followed up and communicated back to me in writing or by phone. I called again XX/XX/XXXX. At this time they said that the NFIP master policy that was in place did not cover business interruption so it wasn't valid. This claim makes no sense because NFIP flood policies do not cover business losses FNMA and FHLMC do not require flood policies to provide business loss coverage, and the condo is a residential property, not a business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I called Chase and request a copy of the charge slip I signed because I want to go to local police and file a complaint against a business. 

They would not send it to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-01 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: GA

Complaint narrative:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/2021 and Several times prior to that.

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 2021-10-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/2021 and Several times prior to that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I demand proof of how you dealt with the information that you indicated in my credit report. Please provide me with all instruments used to report this account.

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 2021-10-01 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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I demand proof of how you dealt with the information that you indicated in my credit report. Please provide me with all instruments used to report this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX, I authorized a withdraw using be debit card in the amount of {$490.00} for an appraisal for a mortgage refinance. My account was charged {$490.00} on XX/XX/XXXX. 
On XX/XX/XXXX, my account was charged again for {$490.00}. This was unexpected and unauthorized and sent my account into overdraft. I contacted Loan Depot immediately. They admitted it was their error and promised to have the amount credited back to my account. 
Though I have contacted them repeatedly and they keep saying they'll return the funds, I still have not received the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
XX/XX/XXXX - partner - spouse passed away XX/XX/XXXX - my home -successor and also continued with payments with Quicken Loan now Rocket est XX/XX/XXXX started questions to loan mortgage rate and to refinance est XX/XX/XXXX started process to re-finance - Rocket/Quicken mortgage person stated that my correct re-finance would be adjusted since he kept give me the amount of {$180000.00}. 
From XX/XX/XXXX to XX/XX/XXXX I continued making payments on loan - principal Balance was {$170000.00} XX/XX/XXXX est I was approved for the loan - it stated {$180000.00} again and I told the person the amount did not seem correct and needed adjusted. 
est XXXX through XXXX I Informed Rocket that my re-finance loan amount was incorrect. The whole process was unbelievable -as they kept asking for more and more information and I complied. I found out that the wrong departments got my information. The title company person helped me and realized what Rocket personnel had done. I was going to seek another lender. 
est XX/XX/XXXX- I asked to have exact figures on how the loan was {$180000.00} - got switched around to 3 or 4 different departments I understand that I have a closing cost and then was told that I would get refund for {$2000.00} or so Rocket Mortgage initial marketing person has not assisted me or provided me with what I am requesting. I maintain that Rocket has not taken into consideration the payments I made when calculating my refinancing. 
I am asking for your assistance and any or all corrections that need to be made. 
This is a form of financial discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: TOYOTA MOTOR CREDIT CORPORATION
State: AL

Complaint narrative:
I demand proof of how you dealt with the information that you indicated in my credit report. Please provide me with all instruments used to report this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: National Credit Adjusters, LLC
State: AL

Complaint narrative:
I demand proof of how you dealt with the information that you indicated in my credit report. Please provide me with all instruments used to report this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: Mobiloans, LLC
State: AL

Complaint narrative:
I demand proof of how you dealt with the information that you indicated in my credit report. Please provide me with all instruments used to report this account.

Company response to consumer: Untimely response
Consumer complaint received 2021-10-01 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX  XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) -XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX-XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX  XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
Transworld Systems Inc ( TSI ) is the collection agency handling some medical debts from XXXX XXXX XXXX. In an attempt to validate said debts they sent me a list of the amount owed, the original creditor and account numbers. They also sent my medical records, detailing the procedures I received, which I know is a direct violation of HIPPA regulations. Someone even hand wrote their reference number on the top of each bill. I never signed a HIPPA form authorizing TSI access to my personal medical information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax has 5 hard inquiries that I have asked for FAIR CREDIT REPORTING ACT SECTION showing why did these hard inquiries allowed when I had CREDIT FREEZE during the time. Then I wrote about section 605,609,611and 625 that shows exactly how the inquiries came through without signature, spelling of name, who they talked to and the list goes on. They need to take all 5 hard inquiries off.

1. XXXX  XXXX XX/XX/XXXX. 
2.XXXX  XXXX XXXX  XX/XX/XXXX. 
3.XXXX  on XX/XX/XXXX 4. XXXX XXXX/ XXXX XX/XX/XXXX XXXX. XXXX/ XXXX  XX/XX/XXXX All these had credit freeze and XXXX customer service lies. They don't understand English the way we do. They are taught to break the law. They also just hang phone up on you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: Exeter Finance, LLC.
State: AL

Complaint narrative:
I demand proof of how you dealt with the information that you indicated in my credit report. Please provide me with all instruments used to report this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: Westlake Services, LLC
State: AL

Complaint narrative:
I demand proof of how you dealt with the information that you indicated in my credit report. Please provide me with all instruments used to report this account.

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 2021-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
My complaint is with the CFPD. I wrote to you in a lengthily letter about PNC Bank. I had to use my retirement money to pay off the loan to stop the interest accumulation. They had no clue what they were doing and could not give me a payoff with an explanation for 10 months. The supervisor I spoke to even admitted in his 35 years in banking he never dealt with anything like this. They were supposed to be the experts and I was supposed to be the consumer that was able to rely on there advice. Their advice was dont worry about the interest it goes to the back of the loan and if you pay off the loan you wont pay that interest. This turned out to be untrue In addition to using my retirement money it cost me {$15000.00} in interest. On the last day of the 60 days they had to respond they sent you a letter saying they checked everything and it was OK. You just excepted their response and close the claim. I thought you were a consumer protection agency not a bank protection agency. I am now writing to ask you to contact PNC Bank and request they refund my interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/2021, TD Bank accepted two checks for deposit made payable to me, my wife, as well as our lender XXXX XXXX XXXX XXXX. TD Bank cashed these checks despite the fact that the checks were not endorsed by any of the parties the checks were made payable to. The checks were in the amounts of {$13000.00} and XXXX respectively. TD Bank check detection contacted us by phone from XXXX to explain that an account holder had deposited the checks into their bank account on our behalf. We explained that the checks had not been received and no such permission had been granted. We later determined that the checks were mailed inadvertently to a previous address and stolen presumably by a TD Bank account holder. When we contacted TD Bank back to resolve the matter they refused to provide us with any information and do not return our calls. Copies of the checks provided clearly demonstrate that proper bank protocol was not followed. The following actions have been taken to no avail : a police report has been filed, USPS notified of the mail fraud, and affidavits filed at the issuing institution : XXXX XXXX  XXXX. Copies of the documents have been attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a letter From Experian saying that a particular account was deleted XX/XX/2021. 

As of XX/XX/2021 I pulled an updated credit report and that item is not deleted. 

on my XXXX and XXXX this item has been deleted and not on the 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 2021-10-01 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:
On XX/XX/2021, the credit reporting agency ( listed in this complaint ) was notified via letter the accounts listed ( in the letter ) were a result of identity theft. As per FTC guidelines, the required document was mailed to the credit reporting agency supporting my claim. The Identity Theft affidavit, copy of drivers licence, police report, and copy of credit report accompanied the letter. The letter that was sent stated I did not open nor did I authorize anyone to open a said account in my name. According to the FTC policy, after being notified of such an identity theft claim and proper documentation has been received, the credit reporting agency must remove and stop reporting inaccurate accounts within four days. As of today, the credit reporting agency has not made efforts to remove said account causing me great harm and has damaged my reputation.

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