vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-04 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Beginning of XXXX I began disputing a XXXX XXXX Account on my credit report and ask for the account to be verified. The account is reporting inaccurately.The account across all bureaus show different account numbers, different loan types, different date of last activity and a variety of other things that I know are a violation. I need this account. All credit companies have not completed the steps ask and I've disputed three times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I had an unpaid medical bill of {$1400.00} through XXXX XXXX XXXX. It went to collections with CMRE Financial Services in XX/XX/XX/XX/XXXX I made payments to CMRE Financial until the balance was paid. CMRE Financial had agreed to delete the account with all three credit bureaus upon payment. The balance is {$0.00} and it is still listed under collections on my credit. I called CMRE Financial requesting it be removed off my credit. CMRE Financial stated they will not delete it, they can only update as paid in full. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Beginning of XXXX I began disputing a XXXX XXXX Account on my credit report and ask for the account to be verified. The account is reporting inaccurately.The account across all bureaus show different account numbers, different loan types, different date of last activity and a variety of other things that I know are a violation. I need this account. All credit companies have not completed the steps ask and I've disputed three times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
On XX/XX/2020 I called Transworld Systems INC to settle an account for XX/XX/XXXXThe total amount was {$600.00}, however I stated that I wanted to pay for deletion. Mrs. XXXX offered to settle the account in the amount of {$480.00}. Before making the payment I again stated to confirm that the payment of {$480.00} will be paid and the account for XXXX XXXX will be deleted off my credit report. I was told that once the payment is made and its registered in the system as paid then they will contact the credit bureau in which the account is under to inform them the account was setteled in the amount of {$480.00} and to delete the account from my credit report. The account is still on my credit report. I was told that the account would be deleted and its not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: WA

Complaint narrative:
This complaint is against LoanDepot with whom, I refinanced my loan in the month of XX/XX/XXXX. 
XX/XX/XXXX - I received a notice in my mailbox from my county claiming that I am overdue on my property taxes which was supposed to be paid by XX/XX/XXXX. Due to this an amount of {$230.00} was added as interest and penalties to the due amount. 

XX/XX/XXXX - I tried reaching by phone multiple times but continues to stay on a long hold. I tried chat with loan depot customer service and the agent told me to send an email with a copy of the notice. I promptly send a mail marked Urgent with a copy of the notice. No response from LoanDepot by end of day. 

XX/XX/XXXX - I tried reaching out to loan depot again but was unsuccessful. No response on my email as well. 

XX/XX/XXXX - I again tried reaching by phone and left a message to call me back. I tried to chat with a customer service agent which after multiple attempts went through. The agent told me to reach out to my closing agent as this should have been taken care of during closing. I sent out an email to my loan officer and loan processor to investigate why this happened. No responses from anyone by end of day. 

XX/XX/XXXX - I finally get a call back from LoanDepot. The response was that, during my closing in XX/XX/XXXX, loan depot had the wrong due date ( XX/XX/XXXX ) as the next due date for paying taxes ( Attached their documentation ). The actual due date was supposed to be XX/XX/XXXX. If they had the correct due date they would have had the property taxes collected from me during closing and paid off on time. LoanDepot tried to pass the blame to the county saying that they " may '' have had this wrong date from the county. I reached out to the county and they clarified that this definitely does not happen. One of my friends also refinanced with LoanDepot at the same time as me. He did not face any issue with his property taxes being missed. How is that loan depot got a wrong due date and missed to pay my taxes on time and I am being held liable for penalties and interest. The person was not clearly trying to own up the mistake and refused to reimburse me the interest and penalties accrued on my account. 

Attached - Copy of notice, Tax information letter with wrong due date used by loan depot to assess my closing cost , county tax statement

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-04 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: MD

Complaint narrative:
Dear CFPB, On XX/XX/2020 i had sent certified mail with return to XXXX, Experian and XXXX about some of the inaccurate personal information on my consumer report. 
These above named information contain errors so i requested that they be removed from my credit. It's been almost two months now and i haven't received a reply back from the bureaus about my request. Also these erroneous information remain on my consumer file hurting my ability to obtain credit. Please find attached copies that sustain my complaint. i have attached them for your review. 
thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
Hello my name is XXXX XXXX. I have a current FHA loan with Amerihome mortgage ( the mortgage company ) loan number XXXX. Do to the Pandemic of Covid-19 I applied for a forbearance in XX/XX/XXXX. I was told that I was approved by the mortgage company and was allowed three months. I called the Mortgage company because I wanted to get a better understanding of how the process of a forbearance works. I was told by the representative that once my three months are up my payments will be sent to the back of my loan, which is called a partial payment plain. 
In XX/XX/XXXX I started receiving calls from the mortgage company stating that i was 30 days late on my mortgage. I spoke to many representatives of the company and i was told that it was an auto dialer and they can not stop the calls. I was told not to worry because they are aware of my forbearance and nothing will happen to my mortgage. On XX/XX/2020 I received a Promissory Note in the mail from the mortgage company stating that i have to pay {$13000.00} to them. I called them and i was told that i needed to notarized the documentation i received and sent back via fax, or mail, so they can start the process of my Partial Claim Mortgage. I thought i was already approved so I was very confused. I still notarized the documentation and faxed to the mortgage company on XX/XX/2020. I called the mortgage company on XX/XX/2020 to verify that they have in fact received the Noticed Promissory Note. I was told by there representative that they are working on my loan and I was approved for the Partial Claim Mortgage and they DID receive my fax however they are back up do to Covid-19 and they will get back to me. 
The phone calls from the mortgage company did not stop I was always in communication with them. On XX/XX/2020 i received a phone call from the mortgage company but i was told that i am in jeopardy of losing my home. I was told by the representative that they never received my promissory note. Next day I overnighted by certified mail the documentation to the mortgage company. I waited a week before calling them to verify receipt of my documentation. When i did call them the representative told me that they get the paperwork however the paperwork was sent late therefore i was denied the Partial Claim Mortgage. However, the representative told me that I will get other package in the mail within 7 to 10 business days. I have called the mortgage company everyday since, and still no package have come in the mail from. Today is XX/XX/2020 and I haven't received any documentation or package from the mortgage company. But everyday I get a phone call from them stating i am late. The mortgage company is now refusing to take any of my payments. 
At this point I don't know what to do. i believe allot of my rights have been violated. My credit scored has been effected. And i am in fear of losing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
XXXX XXXX there is two inquiries, XXXX XXXX inquiry, and XX/XX/2020 inquiry, XX/XX/2020 is also a inquiry I have no knowledge of doing. This was done without my knowledge and without my permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
IT WAS XX/XX/XXXX. XX/XX/2020. XXXX HAD OUR MORTGAGE THEN XX/XX/XXXX SOLD TO SELECT PORTOFOLIO COMPANY. WE WERE NOT AWARE OF SUCH BALLOON PAYMENT UNTIL XX/XX/2020 WE RECEIVED A CERTIFIED LETTER STATING THAT XXXX WAS NO LONGER TAKING OUR PAYMENTS THAT SELECT PORTOFOLIO WAS TAKING OVER THE BALLOON AMOUNT. WE CALLED XXXX NEVER ANSWERED OUR CALLS. THEN WE CALLED SELECT PORTOFOLIO. THEY EXPLAINED THE SITUATION TO US THEY EXPLAINED ABOUT THE BALLOON AMOUNT WAS TO BE PAID IN FULL ON THE MATURITY DATE OF XXXX XXXX. WE SUBMITTED A NEW MODIFICATION XX/XX/2020 MODIFICATION WAS DECLINED DUE TO CURRENT PAYMENTS. THEN WE SUBMITTED A REFINANCE. CREDIT SCORE WAS A BIT BELOW AVERAGE. WE SUBMITTED ANOTHER REFINANCE THEY SAID MORTGAGE WAS LATE. DUE TO MATURITY DATE. SELECT PORTOFOLIO WAS NOT TAKING ANY MORE MONTHLY INSTALLMENTS OUR REFINANCE THEN WAS UNABLE TO GO THROUGH WE HAD ALREADY PAID THE APPRAISEL FEE. WE DID A CONFERENCE CALL WITH REFINANCE BANK AND SELECT PORTOFOLIO. THE REFINANCE COMPANY SEEMED VERY CLUELESS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Attached are documents which show that several payments were made in the month of ( XXXX and XXXX. ) The reason for this dispute is in reference to wrongfully information reported on my credit report with XXXX, XXXX and Experian. The account stated below from XXXX XXXX is incorrectly reported as a late payment for the month of XXXX XXXX. This needs to be removed immediately as this is hurting my credit score significantly. All months were paid on time and never late. Please update this information on my credit file. 

Please make sure that my contact number is visible/ provided in the Personal Statement section of my credit file. Asking al creditors to contact me first before issuing credit. Due to my personal information being compromised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
BMO Harris Bank is discriminating against me by refusing to approve me for and open up a checking account for me because of my race, me being an XXXX. I have applied for a checking account with BMO Harris Bank numerous times, and each time, I was denied to open a checking account due to my race and me being XXXX. BMO Harris Bank is violating the Equal Credit Opportunity Act ( ECOA ) under Federal law 15.U.S.C. 1981.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
I requested a Mortgage Forbearance under the CARE Act with our Servicer Rushmore on XX/XX/2020 over phone and was verbally denied by Rushmore Rep because he stated of our being in foreclosure ( I believe he wrongly denied us ). 
We are also now once again requesting a 180 day forbearance under CARE Act in writing to Rushmore dated XX/XX/2020 and are waiting for a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
We are trying to get Freedom Mortgage to release the latest deed that was generated back in XX/XX/2020. The original loan officer directed me to their servicing department who in turn tried to forward me to the title company, refinance department, and finally, their closing department who is trying to redirect me back to the loan officer. 

Every time that I call them, I had to be put on hold in order to talk to multiple agents who tried to help. Sometimes, they even tried to connect me to another loan officer who tries to refinance my loan to another lower rate while I am trying to get the said deed released. At the end, I was being told that the loan was closed out/ cancelled or withdrawn. 

Then, I have to speak to another department. This entire process is a big waste of time and resources. Not to mentioned that I am being financially deprived of the time and better deals that are available to me. 

I have notes, dates and several names of the agents that I spoke with regards to this process because I have a feeling that they are going to send me a to a while goose chase!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Date : XX/XX/2020 I Tried to make a payment of {$3100.00} to a Bank of America mastercard in cash! and the machine got jammed! I Never got the money back! On XX/XX/2020 at XXXX XXXX at Bank of America Branch ATM with ID # XXXX, located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX .The ATM machine only gave me a ticket that says " We apologize for the inconvenience. We are unable to process your request and can not return your items ( s ). Please contact our Electronic Claims team at XXXX to discuss this transaction. '' I did call but to this day no letter or any response. Please help.

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 2020-12-04 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: U.S. BANCORP
State: GA

Complaint narrative:
US Bank responded to my initial complaint stating that the account was charged off as of XX/XX/XXXX. Yet, it is reporting negative credit history on my credit report as if the account was just charged off this year. The credit bureau is reporting XXXX, yes, XXXX, charge offs. A charge off is a one-time occurrence unless a payment has been made to reset the time. By US Banks own account, no activity has occurred on the account in at least 4 years. And even then, the activity, according to US Bank, was payment activity, not use. The way US Bank is reporting keeps negative information on a credit file in perpetuity. That is not how the law works. If this was the case, the 7-year statute of limitations on negative credit history would be rendered meaningless. 

US Bank is actively reporting negative history on a credit card that its own records show was opened in XX/XX/XXXX and has no purchase history on it for nearly 7 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2020, I spoke with XXXX XXXX of XXXX , XXXX XXXX XXXX XXXX in reference to a collection account that appeared on my credit reports. In exchange for paying the account in full ( {$200.00} ), she agreed to provide in writing, confirmation of payment and deletion from all credit reporting agencies. On XX/XX/2020, an update was applied to the account but did not reflect the written agreement of deletion. After allowing for the 45 day waiting period for it to be removed, I called again on XX/XX/2020 & spoke to XXXX XXXX. He restated the 45 day deletion period & I informed him that time had elapsed & it had actually been 70 days since payment was made. There was no other explanation & as of XX/XX/2020, the account is still reporting. 

Disclaimer : The name on the account reflects previous name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2020, I spoke with XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX in reference to a collection account that appeared on my credit reports. In exchange for paying the account in full ( {$200.00} XXXX, she agreed to provide in writing, confirmation of payment and deletion from all credit reporting agencies. On XX/XX/2020, an update was applied to the account but did not reflect the written agreement of deletion. After allowing for the 45 day waiting period for it to be removed, I called again on XX/XX/2020 & spoke to XXXX XXXX. He restated the 45 day deletion period & I informed him that time had elapsed & it had actually been 70 days since payment was made. There was no other explanation & as of XX/XX/2020, the account is still reporting. 

Disclaimer : The name on the account reflects previous name.

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