vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-13 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: MS

Complaint narrative:
I HAVE HAD SEVERAL ACCOUNTS OPEN NAD USED WITH MY PERSONAL INFO THAT I WAS NOT AWARE OF PEOPLE USING MY PERSONAL INFORMATION TO APPLY AND OPEN ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-03-13 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: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I do no know of this account appearing on my credit report. i have made contact with the company prior to this but they have not complied. The information recorded does not match my records and this has not been approved by me. The collection for southwest recovery ser is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: TX

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX  XXXX   XXXX, XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX  XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX   XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: AZ

Complaint narrative:
I just completed a refinance moving my loan from XXXX to Cardinal Financial. During the application process, i asked if there were any prepayment penalties and can i make bi-weekly payments. I received in writing onXX/XX/10 : Hi Mr. XXXX, There is no prepayment penalty and you are able to make bi-weekly payments after you fund. You will be able to set this all up after closing. 
XXXX XXXX | Retail Transaction Coordinator Cardinal Financial Company , Limited Partnership | NMLS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX Phone/Fax : XXXX | cardinalfinancial.com My loan just closed and was funded, and while registering my new account I attempted to set up automatic bi-weekly payments. The website only allowed monthly payments so i called customer support and they informed my they do not allow bi-weekly payments and sorry for the misinformation. This was a big deciding factor for refinancing with Cardinal Financial. I would have never chosen them as a lender knowing this information now. I asked the supervisor how there is a disconnect between the loan originator and loan servicing and she said they do not speak to that department, and there is no a way to inform the origination team they do not support this payment option. 
To me this is a direct UDAP violation selling customers on a product that is not even supported by Cardinal Financial and should be addressed immediately so other potential costumes are not impacted with illegal marketing practices of Cardinal Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2020-03-13 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: CA

Complaint narrative:
I just pulled my annual credit report and noticed several accounts i think were opened due to identity theft

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 2020-03-13 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: CA

Complaint narrative:
I just pulled my annual credit report and noticed several accounts i think were opened due to identity theft

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 2020-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
I refinanced my mortgage with Loan Depot XXXX My previous Company was XXXX XXXX. ( Customer Service : XXXX ) XXXX XXXX ( aka Loan Care, LLC ) was requested not to pay my XXXX tax bill but they did. Both companies sent a check to the Town of XXXX for {$4600.00}, Loan Depots check was cashed and used to pay my tax bill. XXXX XXXX was supposed to refund me the money since they did not pay my taxes. I contacted them several times, sent proof from the Town of XXXX that my taxes where paid in full by the other company on XX/XX/19 and was told i would be issued a refund as soon as they got the money back from there 3rd party company. I have received 7 identical emails weekly from there escalation department that all say in 3 days we will contact you with a resolution. I just spoke with them again and for the 1st time was told they are waiting for the Town to mail back the check? I asked for a supervisor and i was disconnected. 
They have my contact info and no one has called me back. I do not believe XXXX XXXX has any intentions of refunding my tax money, i refinanced because as soon as they bought my mortgage from my previous lender there was an " escrow shortage '' that they could not explain and later refunded and I do not trust the company.

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 2020-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
The debt that US AUTO is claiming that is owed is not valid and US AUTO has admitted in writing that they did not follow Georgia code O.C.G.A. 10-1-36 ( 2010 ) 10-1-36. Disposition of motor vehicle repossessed after default ; right to recover deficiency. In accordance with Georgia law it was the responsibility of US AUTO to send two letters of notification. The first letter that they have admitted in writing they did not send was a letter of accounting. This letter would have been sent to XXXX XXXX XXXX XXXX which was the updated address given to them in the bankruptcy. It was their responsibility to send a new statement with the balance owed and amount needed to keep the vehicle. They did not send that. It was also their responsibility to send a letter of intent to sale 10 days after taking possession of the vehicle. US AUTO has admitted in their own words they did not send anything until XX/XX/XXXX. This far exceeds the 10 days that state law allows. I am attaching a copy of the letter received by US AUTO admitting that did not send any notifications to me letting me know the balance and they did not follow the law when it comes to repossession. By law they had 10 days after they took possession of the vehicle in XXXX to send a intent to sale letter. Just because they claim they sent a letter for a prior repossession does not qualify s proper notice. Once they vehicle was repossessed again in XXXX they had 10 days to notify of the their intent to sale. They did not do this and because they did not follow state law this debt is not valid. Because the repossession was not lawful. Below is a copy of the state code they are violating. O.C.G.A. 10-1-36 ( 2010 ) 10-1-36. Disposition of motor vehicle repossessed after default ; right to recover deficiency ( a ) When any motor vehicle has been repossessed after default in accordance with Part 6 of Article 9 of Title 11, the seller or holder shall not be entitled to recover a deficiency against the buyer unless within ten days after the repossession he or she forwards by registered or certified mail or statutory overnight delivery to the address of the buyer shown on the contract or later designated by the buyer a notice of the seller 's or holder 's intention to pursue a deficiency claim against the buyer. The notice shall also advise the buyer of his or her rights of redemption, as well as his or her right to demand a public sale of the repossessed motor vehicle. In the event the buyer exercises his or her right to demand a public sale of the goods, he or she shall in writing so advise the seller or holder of his or her election by registered or certified mail or statutory overnight delivery addressed to the seller or holder at the address from which the seller 's or holder 's notice emanated within ten days after the posting of the original seller 's or holder 's notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a 2nd mortgage loan with CITI Mortgage ( acct : XXXX ). 
The account was PAID/CLOSED in XX/XX/XXXX and is so reflected in credit reports in XX/XX/XXXX, and XX/XX/XXXX. 
The lien was never released with the County. 
On XX/XX/XXXX, I requested for a release with the Citi Mortgage Lien release department, e-mail : XXXX ( this is the only way to contact them ) On XX/XX/XXXX I was requested by the Lien Release dept. to contact Citi Centralized Recovery Department at XXXX. This Department reassured me that the loan was PAID OFF AND CLOSED in XX/XX/XXXX. 
The account number for the account is : XXXX. 
Property address : XXXX XXXX XXXX, XXXX XXXX TX XXXX CITI Mortgage Centralized Recovery Dept. XXXX address : City Mortgage Inc.,  XXXX XXXX XXXX, XXXX, Missouri, XXXX fax no : 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
Consumer complaint received 2020-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XX/XX/2018 I applied for credit. This required that I unfreeze all three of credit bureaus. As the XXXX security data breach of XX/XX/2018 had affected my account. After hours of attempting to do this with all three. I was successful with Experian, unfreeze my report for a credit application. 
However, I was charged {$1.00} on XX/XX/18 and then {$21.00} around the XX/XX/XXXX and XX/XX/XXXX of every subsequent month for a service I did not intend to sign up for, did not want, had no use for, AND never used. 
Today I reached out to Experian. They canceled the service and refunded one month of fees, refusing anything more. They suggested I use my credit card company to dispute the other charges. I dont think its my credit card companys responsibility. They stole over {$300.00} from me. 
Consumers should not have to spend hours of their time to attempt to protect their personal information and credit. Especially when free credit monitoring was promised after XXXX is negligence. 
On a sidenote, I was never successful unfreezing my XX/XX/XXXX account. This is a scam. Yet another means of all 3 credit bureaus means of influencing your credit score, access to your report, and ability to borrow at reasonable rates. Its a shame.

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 2020-03-13 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: Credit Karma, LLC
State: MI

Complaint narrative:
I Have been trying to get a job as a XXXX and I need a Credit Report. It keeps coming up with that my Information does not match my Social Security number. I went to the Social Security office and my info is correct but it needs to be correct at the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America call center operator informed me that they would waive my {$64.00} late charges and now unwilling to do so even after I paid for the balance that was due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
My principal balance was {$35000.00} on my statement for XX/XX/XXXX. When the loan was transferred to PHH the balance became {$50000.00}. My loan was modified back in XXXX with principal forgiveness of {$8700.00}. The unpaid balance was {$41000.00}. My mortgage payment is drafted each month on time. I have been current on my mortgage to this present day. I questioned the increase in my balance and was given a letter stating I had outstanding principal. They also mentioned I was assigned to HUD under their " Assignment Program '' and payments submitted were less than the contractual amount. I requested my payment history and that isn't true. Payments I made would have been sent to suspense if they were less than the contractual amount. I have not signed or requested any additional assistance from my mortgage company since XXXX. I have not received a legitimate reason for this increase. I don't want to be responsible for any servicing mistakes that may have been made 10 years ago. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
Fifth Third began servicing my mortgage in approximately 2016. At the time the mortgage was originated, we had to pay PMI. We reached out to 5/3 and asked about the process to have it removed, and were advised that after a year of payments, we could request to have it removed. We paid for a year, and called to request to have it removed. 

We were advised that we needed to pay for an appraisal to ensure that we met the LTV ratios. We did so. 5/3 sent an appraiser and charged us over {$500.00} for the appraisal. The appraisal came back, and our request to remove the PMI was denied. Apparently we were {$4400.00} away from the appropriate LTV ratio. 

We made payments for another year. We contacted 5/3 and requested for the PMI to be removed. This time, we submitted an online valuation of our home. 5/3 again declined our request to remove the PMI, based on an even LOWER LTV ratio, and advised us that we should order an appraisal for {$150.00}. 

I called 5/3 and said that I thought their business practices were unfair, deceptive, and designed to rip off customers and enrich 5/3. They charged us over {$500.00} for an appraisal, and a year later, they said that an appraisal costs {$150.00}. In the meantime, they continued to collect PMI from us, in the amount of approximately {$250.00} per month. 

They declined our request to remove the PMI, and gave different standards and guidelines for removal each time, and different reasons for why we were declined each time. They also gave conflicting information on the cost of an appraisal. 

5/3 had someone call me back, and I never spoke to this person. They left one message with me, and I have left at least 10 messages with 5/3 's requesting resolution of my complaint. I even requested an appointment to speak with someone because I could never get in touch with anyone. I have not received a response. 

In the meantime, 5/3 has continued to collect PMI from us each month, even though we met the required LTV 2 years ago.

Company response to consumer: Closed with explanation