vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: RI

Complaint narrative:
I've been a mortgage servicing customer ( for my residential home ) of Primary Residential Mortgage, Inc. ( PRMI ) for about a year with autopay setup from my XXXXXXXX XXXX checking account. 

On XX/XX/XXXX, I went to PRMI 's website/ payment portal to switch the bank ( from XXXXXXXX XXXX to XXXX ) from which the payment was to draw ( scheduled for XX/XX/XXXX ). The website told me it was too close to the payment deadline for me to switch banks. I decided to call PRMI for help. 

The loan servicing agent told me she could help. She helped me make a payment by phone ( from XXXX ) and told me by doing this, the payment from XXXX XXXX would automatically cancel. Being completely satisfied, we ended the call. This call was recorded and has been listened to by PRMI. 

On XX/XX/XXXX, PRMI pulled payments from both XXXX XXXX and XXXX. I called PRMI, and they advised I call XXXX XXXX to issue a stop payment. I called XXXX XXXX and they told me the payment would be automatically stopped due to insufficient funds. 

The week of XX/XX/XXXX, I called PRMI to determine what had happened. PRMI stated that they listened to the phone call and admitted I was advised in the wrong. The incorrect information was that I could not change banks within 5 days of the payment being drawn. I was not informed of this on my call with PRMI on XX/XX/XXXX. PRMI told me to submit a claim for any fees that I incurred from XXXXXXXX XXXX  and they would refund me. I sent them this information by email on XX/XX/XXXX. I did not hear back. 

In early XXXX ( on my XXXX mortgage statement ), I noticed that PRMI had added a {$25.00} NSF Return Fee to my statement. I began to call PRMI at this point. 

In the past 2 weeks, I have spoken to PRMI 3-4 times ... and have had to explain my story each time. All agents agree that I was misinformed, but nobody can seem to approve the {$37.00} reimbursement nor get the {$25.00} fee taken off of my statement. I was promised a call back last Friday ( XXXX ) ... and again yesterday ( XX/XX/XXXX ), but no one called. 

I'm simply looking for my {$37.00} reimbursement for the fees from XXXX XXXX as well as the removal of the {$25.00} NSF fee from my PRMI mortgage statement. PRMI caused this situation ( by the agent giving me incorrect information when I called for help ), and should thus fix this. It's not fair that I have paid fees due to PRMI 's errors. 

Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover Card received an application with my name and phone number to open a Discover credit card. I never applied for this credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights. 15 US 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency absolutely can not furnish an account without my written instructions.

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 2022-07-13 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: CORELOGIC INC
State: NC

Complaint narrative:
XXXX XXXX on my XXXX XXXX, XXXX, XXXX are not accurate. my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I never lived at another address in the past 10 years. my name is : XXXX XXXX XXXX XXXX XXXX XXXX NAME : XXXX XXXX XXXX XXXX XXXX I XXXX ALSO KNOWN AS : XXXX, XXXX, XXXX DATE OF BIRTH : XXXX XXXX XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX / XX/XX/XXXX / PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX XX/XX/XXXX EMPLOYER : MILITARY XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX NY XX/XX/XXXX RETIRED XX/XX/XXXX MILITARY XX/XX/XXXX XXXX XX/XX/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
Consumer complaint received 2022-07-13 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: Park Hill Holdings
State: NC

Complaint narrative:
XXXX XXXX on my XXXX XXXX, XXXX, XXXX are not accurate. my address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. I never lived at another address in the past 10 years. my name is : XXXX XXXX XXXX XXXX XXXX XXXX NAME : XXXX XXXX XXXX XXXX XXXX I XXXX ALSO KNOWN AS : XXXX, XXXX, XXXX DATE OF BIRTH : XXXX XXXX XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX / XX/XX/XXXX / PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX EMPLOYER : MILITARY XX/XX/XXXX RETIRED XX/XX/XXXX XXXX XXXX XXXX XXXX NY XX/XX/XXXX RETIRED XX/XX/XXXX MILITARY XX/XX/XXXX RETIRED XX/XX/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
Consumer complaint received 2022-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: State Home Mortgage
State: GA

Complaint narrative:
XX/XX/2022 NOTICE OF ERROR FHA MORTGAGE LOAN TO : STATE HOME MORTGAGE ( Servicer of loan ) XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX NOTE : THE RECENT CHANGES TO THE WEBSITE, ON STATE HOME MORTGAGE 'S LOAN PAYMENT HISTORY PAGES, THAT BORROWERS USE TO CHECK THEIR LOAN INFORMATION, IS INADEQUATE AND LACKS INFORMATION, USES IMPROPER TERMINOLOGY, USES SOFTWARE BLOCKING OR ANOTHER FORM OF DETERENT WHEN TRYING TO ACCESS, COPY, PRINT, SAVE, AND/OR VIEW, ALONG WITH OTHER UNACCEPTABLE SETTINGS THAT CAUSES GREAT DIFFICULTY AND OVERWHELMING FRUSTRATION. AND, IN ADDITION TO MAKING EVERY ASPECT LISTED HERE LESS USER FRIENDLY ; THE AVAILABLE AMOUNT OF HISTORY THAT CAN BE OBTAINED IS ONLY A 5 YEAR HISTORY FROM THE DATE OF INQUIRERY, WHICH WILL NOT ALLOW A USER THE ABILITY TO GO BACK AS FAR AS A USER, BORROWER, TO ACCESS THE FARTHEST BACK DATE FROM TODAY TO THE NEXT DAY ; A MAXIMUM OF ONLY 5 YEARS BACK FROM THE DATE A BORROWER MAY ACCESS THE SYSTEM. 

STATE HOME MORTGAGE, the mortgage servicer and under THE GEORGIA DEPARTMENT OF COMMUNITY AFFAIRS, committed a violation of the 12 CFR Part 1024 - Real Estate Settlement Procedures Act ( Regulation X ), rule 1024.17 ( f ), and in conjunction with all of RESPA rules, regulations, and procedures. More specifically STATE HOME MORTGAGE incorrectly utilized regular scheduled monthly mortgage payment funds to satisfy the mandatory coverage of a Deficiency that came to exist, through no fault of the borrower, which STATE HOME MORTGAGE negligently or intentionally chose to not follow the proper procedure ( s ), by not informing the borrower, and not allowing the borrower any chance of a separate payment for refunding the deficiency payment, and by not performing an additional escrow analysis to determine whether any repayment would be required, and a breakdown of the amounts, timing, or changes to the Escrow Account 's future payment amounts : THEREBY DID VIOLATE THIS BORROW 'S RIGHTS. 
The affected mortgage payment totals need to be adjusted to correct the losses of Principal payment funds that were incorrectly taken, plus any interest and penalties that should be applied, shall be sent to me upon an agreement to be negotiated and determined fair for both parties, and within a reasonable amount of time. However, other COMPLAINTS, GRIEVANCES, ERRORS, and/or ISSUES OF IMPROPRIETIES MAY STILL BE BROUGHT FORTH. 

RESPA, FDIC DEFINITION : Deficiency is the amount of a negative balance in an escrow account. As noted in 1024.17 ( f ), if a servicer advances funds for a borrower, then the servicer must perform an escrow account analysis before seeking repayment of the deficiency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: WI

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I previously sent a written request to the credit bureaus to block or remove all erroneous and fraudulent items. However, the request was never granted, and no feedback was ever provided by the agencies involved. Now, I'd like to ask for your assistance in getting rid of these items or having the credit bureaus contact me about the problem. Here are the issues that bother me : XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : 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 non-monetary relief
Consumer complaint received 2022-07-13 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 — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: OH

Complaint narrative:
In XX/XX/XXXX, notified by Fidelity Visa of fraud activity on account. I was told the account number would be closed and I needed to update any automatic payments to the new account number. 

On XX/XX/XXXX XXXX XXXX XXXX sent a transaction to my Old ( fraud ) Fidelity Visa account number. Fidelity Visa then transmitted my new Fidelity Visa Number XXXX XXXX XXXX XXXX and authorized the transaction. 

On XX/XX/XXXX I contacted Fidelity Visa customer service. They informed me that since I had a prior relationship with XXXX XXXX XXXX and 1 previous transaction with them ( XX/XX/XXXX ) - as a courtesy that are allowed to give out my new account number. They stated that any vendor who had my old number could successfully charge to my new account as long as that said they had a prior relationship with me. 

They then stated that if I could tell them who has my old ( fraud ) number they could close it only to those vendors. But that it cant close to all! 

My thinking is if the account number is closed down that is closed. But that is not the case with Fidelity Visa. 

My question- is it legal for them to release my new Credit Card account number to a vendor?

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 2022-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Shellpoint is my mortgage servicer. I can't get an answer as to who my primary contact/XXXX  will be going forward. 

I have been working with my assigned XXXX, XXXX XXXX, on bringing my account current. I have also been in correspondence with his supervisor, XXXX XXXX. 

Now I am receiving emails -- sometimes multiples in a day -- from people whose names I do not know. These emails do not contain introductions or how they are related to the servicing or processing of my loan. These new individuals include : XXXX XXXX -- Emailed us on XX/XX/XXXX XXXX XXXX -- Emailed us on XX/XX/XXXX XXXX XXXX -- Emailed us on XX/XX/XXXX at XXXXXXXX XXXX EST XXXX XXXX -- Emailed us on XX/XX/XXXX at XXXXXXXX XXXX EST We also haven't received any responses back from XXXX XXXX or XXXX XXXX, our assigned XXXX and his supervisor. The last email we received from XXXX was on XX/XX/XXXX. 

Note that XXXX and XXXX 's emails were sent an hour apart on XXXX, XX/XX/XXXX. They did not introduce how they are related to our account. Both claim to be servicing our account. Both asked for the same information. This is really suspicious as I don't know if they are legitimate representatives. If they are, why are there XXXX of them asking for the same information? 

Please note that representative XXXX XXXX, after we responded, had an out-of-office notice on her email. Her out-of-office notice says she is unavailable until XX/XX/XXXX. Her notice is confusing as it suggests she only works there occasionally if her message is set to XX/XX/XXXX and she hasn't changed it since. She has not responded since we received her out of office reply. 

Given rampant identity theft, I want to verify who is responsible for my account going forward. This is also in addition to the fact that I do not want to keep restating information that was given to one rep. I do not want information to be lost in the servicing of my loan. 

I have emailed all of these individuals, individually, and in cc asking who will be our primary contact going forward. No one has responded and taken responsibility as the primary contact. 

Attached are email correspondence from these different individuals. 

Part of our requirements for loan modification from Shellpoint is that we maintain biweekly contact with our XXXX. It seems that Shellpoint is incredibly disorganized in the handling of our loan, and the service representatives are not working in coordination with XXXX another. 

How can we maintain contact if we don't know who is the actual service representative?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I had business checking account with Bank of America and account name was XXXX XXXX XXXX- Account number is XXXX. Bank closed in XX/XX/2021, but I have not received my balance check which was {$6400.00}, and Bank of America is not giving me my balance so I tried to call everyday even I visit the branch every 2/3 days in a week. 
Now I want to file complain against Bank of America because I dont have enough money to feed my family and bank is also not giving me interest of my balance. 

Please please help me to resolve my problems. I am in XXXX, I lost my weight so much because of this bank. 
I do not know how Im going to survive myself and my family members. If anything happens to me or my family, Bank of America will be fully responsible for any loss of me or my family members.

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 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX has violated my rights. 15 US 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency absolutely can not furnish an account without my written instructions.

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 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Consumer Statements on these credit files I have requested for them to be removed along with the fraud alerts from my credit file in XXXX XXXX with Transunion, XXXX and XXXX. and they have never been removed. 

Transunion : XXXX XXXX XXXX XXXX XXXX XXXX FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING ANACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ( XXXX ) XXXX # XXXX # EFCRA  EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT # XXXX # IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. XXXX XXXX ALERT : I AM CURRENTLY ON XXXX MILITARY DUTY. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS ALERT WILL BE MAINTAINED ON FILE FOR 1 YEAR BEGINNING XXXX. 

XXXX : XXXX XXXX ALERT. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. CELLULAR XXXX CELLULAR 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 non-monetary relief
Consumer complaint received 2022-07-13 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: WI

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
Bank of America refuses to supply me a satisfactory letter saying my debt has been paid. However I did receive one from there law office In NJ. but this is not the letter that I am needing. I have been lied to hung up on an yelled at over the phone. This is not okay. If I do not receive this letter in a timely fashion I'm going to lose my hose. I have tried repeatedly to get the letter from Bank of America not there law office. 
Again they refused to work with me. I need a letter from Bank of America say the debt has been paid. Not from XXXX XXXX XXXX BANK OF AMERICA!

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 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # XXXX has violated my rights. 15 US 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency absolutely can not furnish an account without my written instructions.

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 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX has violated my rights. 15 US 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency absolutely can not furnish an account without my written instructions.

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 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX has violated my rights. 15 US 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency absolutely can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation