vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-19 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: LA

Complaint narrative:
XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, TransUnion, XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.

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 2021-04-19 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: IL

Complaint narrative:
I made Payments On the loan on XXXX and XX/XX/XXXX and XXXX XXXX reported it as late non payments which is false. XX/XX/XXXX XXXX XXXX Sold/Paid off the loan when I was current on my Monthly payments ( Exhibit A ). XXXX XXXX never informed me that the loan was sold/paid off but instead filed foreclosure on a home loan they no longer had possession of which is fraudulent. Im Disputing and requesting the Loan payments on my credit report from XXXX XXXX to be removed from the dates XX/XX/XXXX to XX/XX/XXXX from my credit report. XXXX XXXX dismissed the foreclosure case in XX/XX/XXXX when admitting an error regarding foreclosure and payment history. Then I was given a release of mortgage which was given to me regarding my home mortgage account with XXXX XXXX. When the Release of Mortgage should have been giving to me back in XXXX not XXXX. This false information by XXXX XXXX is adversely affecting my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo Incorrect Mortgage Payment history I made Payments On the loan on XXXX and XX/XX/XXXX and Wells Fargo reported it as late non payments which is false. XX/XX/XXXX Wells Fargo Sold/Paid off the loan when I was current on my Monthly payments ( Exhibit A ). Wells Fargo never informed me that the loan was sold/paid off but instead filed foreclosure on a home loan they no longer had possession of which is fraudulent. Im Disputing and requesting the Loan payments on my credit report from Wells Fargo to be removed from the dates XX/XX/XXXX to XX/XX/XXXX from my credit report. Wells Fargo dismissed the foreclosure case in XX/XX/XXXX when admitting an error regarding foreclosure and payment history. Then I was given a release of mortgage which was given to me regarding my home mortgage account with Wells Fargo. When the Release of Mortgage should have been giving to me back in XXXX not XXXX. This false information by Wells Fargo is adversely affecting my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: FL

Complaint narrative:
I decided to boost my credit through experian boost after seeing my score was XXXX with them as compared with XXXX & XXXX scores in the mid XXXX 's. After going through the boost site info filling in the boxes etc, I had to fill in my bank which is XXXX XXXX but was not a bank that experian on their list of hundreds of them they refused to remedy the problem. I contacted XXXX XXXX who told me that they are open to all three major credit services and could not fix my problem. Help me to fix this problem 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 2021-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
For the past XXXX I have paid rent and mortgage by allotment from XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. In XXXX XXXX the mortgage went from XXXX to NewRez/Shellpoint. XXXX mailed all payments on-time ; no checks were returned to XXXX, and funds were taken from my account monthly, on schedule as normal. 


XXXX Military Pay Technician, XXXX XXXX and I discovered the checks were going to the correct address with the old mortgage company name XXXX. 


I have called, emailed, uploaded required documents to their website. 


As a consumer I am concerned that my account was mishandled. A blemish on my credit report effects employment opportunities, interest rates, insurance rate, among other things. I request a review of how NewRez/Shellpoint processes mail in check payments. I was falsely accused of a delinquent account, is this happening to other NewRez/Shellpoint customers? 


XXXX or I, do not understand why the checks were not returned to XXXX, which would have alerted everyone something was wrong. 


Payments : XX/XX/XXXX, Check # XXXX, Amount : {$570.00}, Pay Date : XXXX XX/XX/XXXX XX/XX/XXXX, Check # XXXX, Amount : {$570.00}, Pay Date : XXXX XX/XX/XXXX XX/XX/XXXX, Check # XXXX, Amount : {$570.00}, Pay Date : XXXX XX/XX/XXXX XXXX TABS XXXX. Email XXXX Sun, XX/XX/XXXX, XXXX. Email XXXX, Fri, XX/XX/XXXX, XXXX. Letter XXXX XXXX XX/XX/XXXX, Subject : MISC Disc Allotment NewRez/Shellpoint Mortgage XXXX. Letter XXXX XXXX XX/XX/XXXX, Subject : MISC Disc Allotment NewRez/Shellpoint Mortgage

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was affected by the Pandemic and they offered me moratoriums and then they affected my credit. I have never stopped paying and have continued to pay as agreed after the moratoriums. The companies do not correct my credit even if they have sent proof of payment.

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 2021-04-19 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: FIRST HORIZON BANK
State: FL

Complaint narrative:
I was affected by the Pandemic and they offered me moratoriums and then they affected my credit. I have never stopped paying and have continued to pay as agreed after the moratoriums. The companies do not correct my credit even if they have sent proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: IL

Complaint narrative:
I made Payments On the loan on XXXX and XX/XX/XXXX and XXXX XXXX reported it as late non payments which is false. XX/XX/XXXX XXXX XXXX Sold/Paid off the loan when I was current on my Monthly payments ( Exhibit A ). XXXX XXXX never informed me that the loan was sold/paid off but instead filed foreclosure on a home loan they no longer had possession of which is fraudulent. Im Disputing and requesting the Loan payments on my credit report from XXXX XXXX to be removed from the dates XX/XX/XXXX to XX/XX/XXXX from my credit report. XXXX XXXX dismissed the foreclosure case in XX/XX/XXXX when admitting an error regarding foreclosure and payment history. Then I was given a release of mortgage which was given to me regarding my home mortgage account with XXXX XXXX. When the Release of Mortgage should have been giving to me back in XXXX not XXXX. This false information by XXXX XXXX is adversely affecting my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: BCION, A DIVISION OF ION BANK
State: CT

Complaint narrative:
I have no knowledge on why this company ran my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: AZ

Complaint narrative:
XX/XX/XXXX I caught a XXXX for a ride. I lost my cc with XXXX so i called an reported that i lost it. 2 hours later i got a call informing me that i left my cc and DL inside of the XXXX. Unfortunately, I had already reported it lost. A new card was issued to me 10 days later XX/XX/XXXX. Balance transferred to new card and account number. After fighting to explain this to XXXX and Transunion for over 2 years now, it appears that my disputes went uninvestigated. Resulting in a decision of meets FCRA requirements. 
This account was Open XX/XX/XXXX ; 4 months later, it was closed due to the lost cc. A new card was issued with a new account number ending in XXXX. I have 7 missed payments on the account ending in XXXX which is correct. But the old/closed account is also reporting missed payments through XXXX but it was closed. I only have 1 acct with XXXX and the bureaus should only be reporting on 1 account which is the open account ending in XXXX. This is causing duplicate missed payments on both account when i only missed payments on the new account ending in XXXX. This ongoing year problem has been causing a lot of financial stress when trying to obtain assistance during this pandemic. 

Transunion : Reporting the same account as opening in XX/XX/XXXX but have 8 missed payments on a closed account since XX/XX/XXXX and this account wasn't even open XX/XX/XXXX. This account was opened on XX/XX/XXXX. I am livid with this process and i am tired of disputing the same problem with these bureaus over and over and each one comes back meets FCRA requirements and i would like for you to explain to me how is this 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 2021-04-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Someone changed my personal information on my DETR Unemployment card that is link with Bank of America. Changed the address and all information related to me and is collecting the money while I did not notice. I been employed since XX/XX/2020 and my bank spoke to me about fraudulent activity.

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 2021-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capitol One sent collection notices in me the consumer XXXX XXXX in XXXX collection on an allege debt. I am the consumer and original creditor of the debt pursuant to 15 USC 1602g- The term " Creditor '' refers only to a person who both ( 1 ) regularly extends whether in connection with loans, sales of property oar services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a Finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face-off the evidence of indebtedness or, if there is no such indebtedness, by agreement. 



Capitol one sold my private information to a debt XXXX XXXX XXXX XXXX. A third party should not have access to my personal. 

Capitol One you give me the biggest headache thinking about the alleged debt you claim I owed you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: OH

Complaint narrative:
I've contacted XXXX and Trans Union on several occasions on why I am not an authorized user on my wife 's XXXX credit card account for XXXX dollars. The account is not reporting to Trans Union, XXXX said to me that they have been reporting to Trans Union, but Trans Union is not making any changes, Trans Union play 's the blame game and said it's XXXX fault, I honestly believe if this was reported accurately, I would definitely have a higher credit score. I've exhausted all my options and I need some help please, This account is reported to XXXX and also XXXX with no problems at all.

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 2021-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On XX/XX/2020 I deposited a stimulus check that I received from XXXX. The amount of the check was {$1200.00}. I purchased a money order in the amount of {$200.00} to pay my Tithes. Please advise if you need a copy of the money order. I transferred {$500.00} into my saving account ending with XXXX. I was told by the bank the savings account closed automatically, because it wasn't being used Because I inquired about those transactions, the accounts were closed. New accounts were opened.

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 2021-04-19 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: IL

Complaint narrative:
Transunion is two months behind on my auto loan payment history on my credit report.Transunion also has not removed XXXX XXXX from my credit report despite being notified by the company XXXX XXXX to remove the Hard Inquiry.

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 2021-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Last year in XXXX XXXX-I was able to see my online amortization schedule after login into my Mr. Cooper 's account. I need to see it as I make additional principal payments and I want to know how it impacts my loan maturity date and plan accordingly. Mr. Cooper shows me different $ $ $ figures and different maturity places- 4 different-in the online account. Since XX/XX/2021, -I am not able to see my online amortization schedule after login into my Mr. Cooper 's account. 

I am following up with Mr. Cooper since XX/XX/2021 regarding the same. During end of XX/XX/2021, I was told that they will do that in 7-10 business days. But still I can not see it. On XX/XX/2021-I had chat regarding the same ( attached ). 

In the absence of online amortization schedule, I have to request it and it takes around 7-10 business days for me to get it. 
As I am not able to see my online amortization schedule on my own, I might make more additional principal payments and then I need to work with Mr. Cooper on the phone to get that back. 

Mr. Cooper hire cheap XXXX staff to work in IT which is reflected in the overall work in the website. Please hire smart folks in IT ... i know two of my neighbors who are XXXX - who are working for Mr. Cooper. I never saw them working ... they are always roaming outside of their home during COVID-19 remote work ( during remote work ). 

Moreover on XX/XX/2021, I ask some very specific questions to Mr. Cooper. Mr. Mr. Cooper hasn't provided the answers for them till now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: LA

Complaint narrative:
I disputed a bankruptcy account on my credit report with XXXX and Equifax Information Services LLC. Both XXXX and Equifax Information services said their source of information certified that the information was reporting correctly on my credit report. However, their source of information, XXXX XXXX, submitted to me a document prior to my dispute stating that they have removed the account from my credit file with them because they could not verify it in the time allowed by the law. On the other hand, Equifax nor XXXX is following the laws in place about credit reporting. Even after I submitted physical proof to them that account was not verified by their source, they continuted to report negative information and continued to report unverified information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was scheduled to receive a XXXX debit card in the mail from Bank of America and never received it. When I contacted them, they claimed that the card had already been activated and {$4300.00} was spent on the card already. I disputed the claims and told them that the claims were all fraudently. They closed the account and mailed me a new debit card. They initiated a fraud investigation but then mailed me a letter stating that they stand by their original decision and specifically state that " No posting error has occurred on your account ''. I'm not sure why they use the terminology " posting error '' when these were fraudulent charges. Unfortunately, thousands of receipients of XXXX funds have been subject to the same massive fraud scheme intercepting or stealing these accounts which are not sent out with a security chip. I have spent many, many hours on hold with Bank of America and have to call them multiple times to get through with wait times sometimes in excess of 2 hours for their fraud department.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: NC

Complaint narrative:
Trading was disabled on my Binance.US account in XX/XX/2021 due to a {$200.00} chargeback, which has since been successfully reprocessed. 

I have submitted multiple tickets to Binance.US Support but all the tickets were auto-closed without any comment or resolution. I have tens of thousands of dollars - USD - in my Binance account that I have been unable to withdraw or use to trade for the past 60+ days.

I need help to retrieve MY money. I have an open ticket # XXXX for this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: NY

Complaint narrative:
Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted which IS attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : THOSE ACCOUNTS ARE LISTED IN THE ATTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: LEXISNEXIS
State: LA

Complaint narrative:
I disputed a bankruptcy account on my credit report with XXXX  and XXXX XXXX XXXX XXXX. Both XXXX and XXXX XXXX XXXX said their source of information certified that the information was reporting correctly on my credit report. However, their source of information, Lexis Nexis, submitted to me a document prior to my dispute stating that they have removed the account from my credit file with them because they could not verify it in the time allowed by the law. On the other hand, XXXX nor XXXX is following the laws in place about credit reporting. Even after I submitted physical proof to them that account was not verified by their source, they continuted to report negative information and continued to report unverified information.

Company response to consumer: Closed with explanation