vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I have made multiple phone calls regarding deferment XX/XX/XXXX - I spoke with XXXX regarding Loan Modification and I was told that the new APR would be around 2.75 % but the loan will be extended to another 30 years. She confirmed that the forbearance ends XX/XX/XXXX. 
XX/XX/XXXX - I spoke with XXXX who told me I need to sign the expense statement and provide a copy of most recent paystubs within 30 days XX/XX/XXXX - I spoke with XXXX. We discussed the OPTION of DEFERMENT as I DECLINED the loan modification that was sent to me because the APR is STILL > 4 % plus the loan is now 40 years. IT DOESN'T make any sense whatsoever. XXXX confirmed that the forbearance ends XX/XX/XXXX XXXX - I spoke with XXXX. he said there are no other notes in the system. He said he will escalate the situation to a supervisor and to call next week to follow-up XX/XX/XXXX - I spoke with XXXX who said EVERYTHING IS SUBMITTED but there is no decision yet and they haven't reached final terms. He confirmed that the forbearance ends XX/XX/XXXX XXXX - I spoke with XXXX who transferred the call to XXXX. She said the case has been escalated on XX/XX/XXXX for deferment review but the case is closed XX/XX/XXXX. She was not able to find out why. She couldn't get a hold of a supervisor so she asked me to call next business day. 
XXXX - I spoke with XXXX from loss mitigation who said THERE ARE NO NOTES AT ALL REGARDING DEFERMENT. He " advised '' me to sign the loan medication sent before so they have something in writing that I declined it. I don't understand why when 3 other people before him confirmed that the deferment request has been sent! I asked to be transferred to a supervisor but NO ONE IS AVAILABLE. 

Every time I ask to speak with a supervisor no one is available. NO ONE ever called me back to give me update. Their Customer service line doesn't have an option to speak with anyone unless you pick the option for payment with an agent. No one seems to be available to help me and I am getting very anxious since forbearance is ending soon. I can not pay > XXXX at one time to get the account current.

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 2021-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Since XX/XX/XXXX of this year I have attempted to file a claim with my bank for fraudulent activity six times. These claims have all been denied. My bank furthermore directly contacted me to tell me that despite giving them more information each time each claim was filed that if I continue to pursue this claim that it was going to be denied immediately each time. This fraudulent activity took place in a state that I have never been to and also have never lived in. Despite giving this information to my bank the ruling in the claims were against me due to inconsistencies, this is the only reason that the bank gave me for denying my claim repeatedly.

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 2021-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I opened a checking/savings account with Navy Federal Credit Union in XX/XX/XXXX. When I received my debit card, I began to update my payment information, having next received returned check fees for insufficient funds due to declined debit charges before. Immediately, I began to receive numerous returned check fees, each at {$29.00}. When I received my first check, which posted on XX/XX/XXXX, my account was already overdrawn by {$140.00}. 
I contacted NFCU to see if they would refund the fees. They agreed to refund {$58.00} back to my account. They claimed that all these charges were from bank drafts? Not possible. I had 2 charges that could have resulted from bank drafts for XXXX. I was also charged a returned check fee the same day that my check posted. 
I was charged again three times in XXXX and so far, once for XXXX, claiming that a {$200.00} transfer that I scheduled to go into my XXXX  Account on XX/XX/XXXX didn't actually get transferred until XX/XX/XXXX, resulting in the money not being transferred and me being charged another {$29.00} returned check fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive sent a letter to Equifax to stop XXXX reporting false inaccurate information on my credit report.Why is it they can get away with not contacting me or fixing the situation? Its been over 60 days since I received a XXXX response from them! This is against the freaking law to not respond to me which by law your supposed to delete them off my report if you don't respond within 30days! You violated the United States Code Law 15 U.S. code 1681b permissible purposes of consumer reports ( a ) In general subject to subsection ( c ) I never gave you written cnt to report this on my consumer report! Remove it off my report ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: FL

Complaint narrative:
Ive sent a letter to Transunion to stop XXXX reporting false inaccurate information on my credit report.Why is it they can get away with not contacting me or fixing the situation? Its been over 60 days since I received a XXXX response from them! This is against the XXXX  law to not respond to me which by law your supposed to delete them off my report if you don't respond within 30days! You also violated the United States Code Law 15 U.S. code 1681b permissible purposes of consumer reports ( a ) In general subject to subsection ( c ) I never gave you written consent to report this on my consumer report! Remove this off my 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 2021-05-07 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: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I am reaching out today regarding an issue regarding an incorrect MOP code that was reported on my XXXX credit profile. The furnishing mortgage company had indicated that there should've been no foreclosure reporting and that they'd update my records with the bureaus. The issue was corrected properly on XXXX and XXXX. I have an XXXX account so I was able to review the monthly reporting history. The latest report in which I had access to was dated XX/XX/2019. The account had a reported payment stated of foreclosure proceedings started as of XX/XX/2019. This was unbeknownst to me as I had never received any notification of this status, no calls from the mortgage company and I had never received a notice of lis pendens. Due to being misplaced because of a hurricane and having delayed processing of my hurricane claim, I had decided to sell the home once I was able to rectify the damages. During this time, my mortgage company was informed of the challenges I was being faced with. My house sold in XX/XX/2019 as a normal sale. There was no deed in lieu or short sale that took place. In XX/XX/2019, I had noticed the issue of the incorrect foreclosure MOP code showing the account was in foreclosure. I had contacted Shellpoint and was told that I was correct and that they'd submit the update to the bureaus to remove all foreclosure reporting 's. The months of XXXX through XXXX were adjusted to a 120-day MOP code leaving the foreclosure status being the same month that i sold/vacated the home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

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 explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
on XX/XX/2021, I received an authorized wire transfer into my small business checking account at Wells Fargo bank. The next day I sent the funds to my supplier. After the funds were sent, the sending back requested that the funds be returned. Wells Fargo then removed all remaining funds from my account, then closed the account, causing a loss of {$30000.00}, which was all the funds from my account, that I had obtained from an SBA loan.

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 2021-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
I do not owe this debt. They are trying to collect a debt that is not owed. I never received note of the debt and fees. I also have proof that was sent this not owned. I have called sent several emails. I also have voicemail saying I dont not owe this. This needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
On XX/XX/2021 I called my current mortgage provider Quicken Loans to seek advice on potential options they might offer for us to re-d our master bathroom. Purely advice and specifically stated I did not want to apply for a loan or run credit inquiry until my wife and I decided what direction we wanted to take and timing. 

On XX/XX/2021 I received an alert from XXXX of a new inquiry. I called Quicken Loans to dispute and they got back to me on XX/XX/2021 essentially not taking responsibility nor acknowledging that I gave them permission to pull the credit inquiry. I even advised them to listen to the recorded call as I specifically told the rep not to pull credit until I was ready. 

I called XXXX  on XX/XX/2021 to dispute the inquiry and they refused to address the issue. They acknowledged that a company could have performed the inquiry without my consent but that they just record the inquiry and can do nothing to resolve. They said this is just the law and they can not do anything to escalate. Even if I want to talk escalate the issue I would not be helped. 

This is an unfair and deceptive practice as a company error hurts individuals while having no repercussion themselves for errors. I now have a decreased credit score due to their negligence and have no way of resolving or disputing their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: AUTOMOTIVE CREDIT CORPORATION
State: IN

Complaint narrative:
Back in XX/XX/2018 hired a lawyer ACC was trying to get double pay on a car went to court civil court I won automotive credit corporation is still disputing with the credit reporting agencies That I still owe them over {$7000.00} I dont owe them nothing judge put in a judgment in my favor I won plus lawyer fees and court costs

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I was a victim of a customer service/fraud scam, which resulted in the loss of {$2000.00} + {$490.00} = a total of {$2500.00}. 

After filing a claim initially with Cash app ; they initially determined that my cash app account was compromised, and they were working to secure my acct ( confirmed XX/XX/XXXX ). Consequently, on XXXX XXXX after linking my new card ; Cash app proceed to process unauthorized payments of {$2000.00} from my XXXX account as soon as my new card was linked. Then, closed my cash app account stating that I had violated the terms and conditions, and insinuated that I was possibly conducting the fraudulent activity which is 100 % false.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: CA

Complaint narrative:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Wells Fargo/Nationwide Credit arbitrarily closed our XXXX XXXX credit card account without notifying/contacting us prior to closure. The account had no balance and was one of our oldest accounts. I contacted customer service and requested the account be reinstated, as we intended to purchase new appliances within the the next few weeks. Customer Service refused this request and suggested I re-apply for a new line of credit. The closure of this card negatively affects our total credit limit and length of credit history, lowering both our credit ratings.

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 2021-05-07 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: Lending Club Corp
State: CA

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 explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Phoenix Financial Se for the amount of {$260.00} and the other for {$280.00}. I have written several letters certified to this collection company and these people continuously ignore my requests to validate their claim that I owe these amounts. I mailed the letters at the first of the year after President Biden took office. He has completed 100 days of being in office and I still have yet to get any of the documents I requested that Phoenix Financial send me. They ignore me and in the process are damaging my credit by reporting monthly to the credit bureaus. Even after they have been made aware that these accounts are invalidated, not correct and should not be reported as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc.
State: GA

Complaint narrative:
Yesterday ( XX/XX/XXXX ) I transferred {$7000.00} from my Sofi Invest account into my Sofi Money account. Soon after noticing the completed transaction - my Sofi Money account had a status of 'in review ' - my account is frozen I can't move money or spend money. I have not been able to reach any one on the phone. This is ridiculous. I have bills to pay!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
Bank of America continues to report incorrect information. Same as my last complaint.

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 2021-05-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi there, I sent a letter to Equifax on XX/XX/2021 and I have followed up with them and I have still not gotten a response in regards to the unauthorized inquiries on my credit profile. These inquiries are damaging my score and limiting my ability to obtain adequate housing for my daughter and I. My score seems to have taken a major impact in regards these inquiries with creditors I have no relations with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management
State: OH

Complaint narrative:
I am not getting no response back to this high debt they say that i owe.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST HORIZON BANK
State: GA

Complaint narrative:
On XX/XX/XXXX I sent a XXXX  payment of XXXX, cash payment XXXX final payment of XXXX. On XX/XX/XXXX XXXX to XXXX XXXX of XXXX. ga XXXXfor purchase of XXXX XXXX XXXX XXXX XXXXtotal of XXXXrecieved key and bill of sale ... .upon trying to register trailer I was told vin was not valid ..but because I knew his father Judge XXXX XXXX was magistrate Judge of county and XXXX  was also in his personal property I contacted the recepients XXXX XXXX XXXXfather ..judge XXXX to help resolve tag and title issue.XXXX was call was called back by the the sherriff of this county and informed that XXXX XXXX had died and that the camper was not his but his Uncles..XXXX XXXX..I did not think it was appropriate at that time to address my XXXX loss..but did email sherriff and notify bank of issue ... i was informed to do a self help form with XXXX fraud by my bank first horizon.. I offered to support my claim with police report..bill of sale..etc..XXXX  nor 1st  horizon asked for any supporting XXXX a denial of claim because recepient had a stand alone XXXX  app that was not attached to a bank ..and neither XXXX or 1st horizon  had a platform to address claim..nor was transaction consumer XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Item reappeared / a different company reentered a fraudulent collection previously removed by TransUnion. Original reference - some type of presumptive medical service in Texas ( 2015 ). I have lived in XXXX for 25 years. I have a mail address in XXXX, Texas. 

The 3 major USA bureaus have both my XXXX and USA addresses.

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 2021-05-07 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: IN

Complaint narrative:
Back in XX/XX/2018 hired a lawyer XXXX was trying to get double pay on a car went to court civil court I won XXXX XXXX XXXX is still disputing with the credit reporting agencies That I still owe them over {$7000.00} I dont owe them nothing judge put in a judgment in my favor I won plus lawyer fees and court costs

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 2021-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
What is this complaint about? 
My credit score being decreased instead of increased by TransUnion. 

What type of problem are you having? 
TransUnion made an error by decreasing my credit score instead o increasing my credit score. 

What happened? 
TransUnion decreased my credit score by XXXX points from a XXXX after they removed to erroneous collection accounts that I reported to them and requested their removal from my credit report. 

What company is this complaint about? 
TransUnion Who are you submitting this complaint for? 
Myself, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation