vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION
State: OR

Complaint narrative:
M & T Bank did not provide us with an itemized breakdown or disclosed attorney fees in the final loan modification. 

We have been working with our lender M & T Bank with assistance from HUD, to modify our loan due to covid, as we had initially applied for a forbearance. 

When we received the loan modification documents, on XX/XX/2022, we were expected to return them by XX/XX/2022, 10 days. We reached out to our HUD counselor, XXXX, who has been an angel, to help us understand the loan modification, as well as be on the call with us to M & T Bank, today, XX/XX/2022. 

We spoke with XXXX who identified herself as a member of the Single Point of Contact loan modification team with M & T Bank. 

We explained that in the loan modification documents M & T Bank stated : " HUD will advance payments you are behind plus attorney fees in the amount of {$35000.00}, plus the above contribution will bring the account current. '' However, in the above contribution estimated costs there are no fees listed. The document goes on to state : I have enclosed an interest free subordinate note and a subordinate mortgage to HUD for the monthly payments, attorney fees and principal balance reduction in the amount of {$41000.00} for a total of {$76000.00}. 

There was not a breakdown of other fees or attorney fees included anywhere in the loan modification documents. When we asked for a detailed breakdown list of all of the fees. XXXX asked us if we were accepting or refusing the loan modification. We said we wanted a detailed list of all the fees the M & T Bank was charging as they were not listed in the loan modification documents, and we asked for an extension date to return the documents. It wasn't until XXXX, our HUD counselor, said that we have the right by law to know what these fees are, that she ( " XXXX '' ) offered an " escalation '' to allow us an extension of 7 days ( to XX/XX/2022 ), and that M & T Bank would get back to us. 

If you require more information, we can send you the entire loan modification packet. 

Thank you for your time and attention to this matter.

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 2022-04-28 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: MI

Complaint narrative:
On yesterday XX/XX/XXXX I spoke to XXXX and XXXX at XXXX  and immediately referred to me as XXXX XXXX twice and made no effort to correct this and trying to attach me to a loan that I did not make written authorization to on XX/XX/XXXX. If Illegal XXXX Immigrant XXXX XXXX at XXXX XXXX XXXX XXXX, mi XXXX are using several names to get money in my name he should be reported to the XXXX police XXXX XXXX police chief whom has authorized investigations in the past on this but were led to believe by the amanzes and his supporters that they bought the house for XXXX from XXXX XXXX bank at an foreclosure sale. You must take action, please provide the cfpb from this complaint with the true facts and inform them the reason why XXXX XXXX would like for me to refer to a loan number that you gave me XXXX if I have never done business with XXXX XXXX in the past. although, I would be interested in an pathway to getting this resolved and removing the false information from my record immediately.

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 2022-04-28 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: MI

Complaint narrative:
On yesterday XX/XX/XXXX I spoke to XXXX and XXXX at XXXX  and immediately referred to me as XXXX XXXX twice and made no effort to correct this and trying to attach me to a loan that I did not make written authorization to on XX/XX/XXXX. If Illegal XXXX Immigrant XXXX XXXX at XXXX XXXX XXXX XXXX, mi XXXX are using several names to get money in my name he should be reported to the XXXX police XXXX XXXX police chief whom has authorized investigations in the past on this but were led to believe by the amanzes and his supporters that they bought the house for XXXX from XXXX XXXX XXXX  at an foreclosure sale. You must take action, please provide the cfpb from this complaint with the true facts and inform them the reason why XXXX XXXX would like for me to refer to a loan number that you gave me XXXX if I have never done business with XXXX XXXX in the past. although, I would be interested in an pathway to getting this resolved and removing the false information from my record immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: MI

Complaint narrative:
On yesterday XX/XX/XXXX I spoke to XXXX and XXXX at XXXX  and immediately referred to me as XXXX XXXX twice and made no effort to correct this and trying to attach me to a loan that I did not make written authorization to on XX/XX/XXXX. If Illegal XXXX Immigrant XXXX XXXX at XXXX XXXX XXXX XXXX, mi XXXX are using several names to get money in my name he should be reported to the XXXX police XXXX XXXX police chief whom has authorized investigations in the past on this but were led to believe by the amanzes and his supporters that they bought the house for XXXX from XXXX XXXX bank at an foreclosure sale. You must take action, please provide the cfpb from this complaint with the true facts and inform them the reason why XXXX XXXX would like for me to refer to a loan number that you gave me XXXX if I have never done business with XXXX XXXX in the past. although, I would be interested in an pathway to getting this resolved and removing the false information from my record immediately.

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 2022-04-28 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: Convergent Resources, Inc.
State: PA

Complaint narrative:
Convergent Outsourcing is reporting the EXACT same account twice on my credit report in attempt to " double dip '' and make my credit worse in hopes to collect. They also have yet to provide debt validation I requested. I would like the accounts removed from all 3 credit bureaus since Convergent can not report them properly.

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 2022-04-28 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: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
Information on my report from banks are inaccurate and need to be removed

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 2022-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
My wife and I have been trying to close our checking accounts with Huntington Bank since XX/XX/XXXX. After withdrawing our money on XX/XX/XXXX, the account did not close. 

I called on XX/XX/XXXX, and they told me that it was " waiting to close '', and that I should wait longer. 

I called again on XX/XX/XXXX, and they said it didn't close because {$0.00} and {$0.00} worth of interest was deposited in the 2 accounts after the closing, preventing them from closing. They then told me to wait 7-10 more days. 

They then removed double the remaining funds from each account, making the balance go negative and started sending us Overdraft notices. 

I called again on XX/XX/XXXX, and they told me to continue to wait. 

I just want to close these accounts!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: CITIBANK, N.A.
State: SC

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
{$21.00}, XXXX In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: CURO Intermediate Holdings
State: OH

Complaint narrative:
After negotiating a settlement and paying such settlement, they refuse to close accout and mark as settled. 
Credit report show s open and XXXX blance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: MD

Complaint narrative:
I received a notice from my attorney in reference to XXXX Lawsuit. I reached out to XXXX in reference to this. I was told that it would be removed off my credit because of the fraudulent activities that XXXX XXXX XXXX has caused. This has been hindering me from moving forward in life and I've been investigating this for a long time now. 
XXXX XX/XX/XXXX {$3400.00} XXXX XX/XX/XXXX {$10000.00} & {$9000.00} XXXX XX/XX/XXXX {$1700.00} XXXX XX/XX/XXXX {$10000.00} XXXX  XX/XX/XXXX {$5200.00} XXXX  XX/XX/XXXX {$6700.00} XXXX XX/XX/XXXX {$2700.00} XXXX XX/XX/XXXX {$4500.00} XXXX XXXX. XXXX, XXXX {$1300.00} XXXX XXXX. XXXX, XXXX {$2400.00}

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 2022-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: Westlake Services, LLC
State: IL

Complaint narrative:
XX/XX/2021 today at purchased the vehicle of {$8000.00} down payment the car was famous did XXXX something dollars Extra fees get an idea where my car payments are going up and the loan is going up Ive had problems with the car since day one I went threw a new transmission and engine already its been 4 months since I had the car I reach out to the dealership and bank no help from either side I feel like I was beat out of {$8000.00} now they wont let me trade it in they say I need another down payment and credit ran again now Im stuck with a broke car and still responsible for the car note

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 2022-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have corresponded with this company EQUIFAX multiples times in reference to these alleged debts in the amount of {$670.00} and {$1000.00}. I have asked the company multiple times to verify these alleged debt showing me something with my signature on it cause I do not recall having these accounts. I have also sent them a police report, along with a letter and all they have sent me was a statement saying they verified it and they are still reporting on my credit report. Attached is my last correspondence with this company back in XX/XX/2022. I believe they are fraudulently reporting this on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: NY

Complaint narrative:
XXXX  XXXX failed to precise proof of contract or an application with my signature for service. 
They have my credit and use it from time to time it seems once a year Ive contacted each company thats using they service and they all fail to produce proof of this action and declined use of my ssn more then once in complete violation of fair credit reporting act 15 usc 1681 section 602 I have the right to privacy 15 usc 1681 section 604 A ( 2 ) a consumer reporting agency can not Furnish A 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 2022-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
On Thursday XX/XX/2022 I left work and stopped to get dinner at a restaurant in XXXX, TX. As I headed home I received notification that a charge was attempted at a XXXX  location XXXX $ XXXX frantically opened my XXXX  XXXX  and tried to disable transactions for my account to stop any further activity before I was able to another transaction was attempted and clearedXXXX XXXX from my account. I contacted customer support and explained what happened and let them know my account has been compromised and I needed to dispute the transaction on the account. I was told they could not start the dispute process until the transaction either settled or fell off so I waited. XXXX at XXXX am I called them again to dispute the unauthorized activity. I received a response about my dispute on Sunday XX/XX/2022 at XXXX and the email stated they are closing the dispute and they found that no error occurred. I called them again on Sunday XX/XX/2022 and spoke with a representative and asked for the documents used to determine why my claim was denied then spoke to the supervisor who said he would submit this new information to the investigation team and have them re-open the dispute. I received an email on Tuesday XX/XX/2022 XXXX stating they are closing the dispute and they found that no error occurred. I called again on Tuesday XX/XX/2022 at XXXX pm and requested the documents from investigation conducted. I also emailed them additional documentation during that call to re-open the dispute. I called the police department and filed a formal police report sent another email to Chime to submit the police report number. I received another email from chime on Wednesday XX/XX/2022 at XXXX am stating the email stated they are closing the dispute and they found that no error occurred. I contacted them again Wednesday XX/XX/2022 and requested to speak with a manager she has re-opened the claim and I am waiting for the them to investigate for a fourth time. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 
XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency 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 2022-04-28 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX XXXX Account # XXXX has violated my rights. XXXX Account # XXXX has violated my rights. 
XXXX Account XXXX XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account XXXX XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account XXXX XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX IN Account # XXXX has violated my rights. 
XXXX XXXX IN Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX  XXXX Account # XXXX has violated my rights. 
XXXX  XXXX Account # XXXX has violated my rights. 
XXXX  XXXX Account XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX  Account # XXXX has violated my rights. 
XXXX  Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX  Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 


15 U.S.C 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 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 2022-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: LA

Complaint narrative:
We never receive notice that our Escrow was short and we never receive refund checks. They hold our money all the time. When i make payments and Im short they put them in unapplied funds which is fine but they use the unapplied funds to pay for late fees or corporate advances instead of moving the money into paid. So bc they take the money out for late fees I can never catch up on my payments and im constantly having late fees. I feel like im sending them money all the time but i am never paid up. 

They started a foreclosure in early XXXX when they said we were 120 days late. We were not 120 days late, I send 2 payments in the mail bc they have it blocked so i cant pay on the website. Those two payments were held and not credited so they could start the foreclosure proceedings now those payments have disappeared. Mortgage company says they returned it, bank says they cashed it. We are now in forbearance and have to pay all these lawyers fees which i wouldnt have to pay if they would of put the unapplied payments where they were suppose to go when i paid them. 

XXXX XXXX & XXXX mortgage statements Escrow XXXX then it drops to XXXX i dont see where the money went XXXX XX/XX/2021 when i made a payment and they put it in unapplied funds and i told them to move it over and it wasnt shown as being moved on my XXXX statement as paid. they can move money out of my escrow to pay other things but not to cover what im short. since they didnt send me my escrow refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Key 2 Recovery, Inc.
State: TN

Complaint narrative:
On XX/XX/22 After reviewing my credit report I noticed a debt list from a company called Key 2 Recovery Inc. I contacted them by phone to speak with someone about the debt. I requested information to be sent to me about the debt I was hung up on I called back 5 times I talked to a supervisor he stated a letter was sent to my current address on XX/XX/22 requesting for me to confirm or disputed the debt. I requested for a copy of the original letter to be sent to me via certified mail. Supervisor refused and stated I will send it via email I decline again I was hung up on. I have made XXXX other attempts to contact Key 2 Recovery they pick up the phone and not say any thing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I dont have account I have several inquiries that have to be that inquiries reached capital one on XX/XX/XXXX and was transferred XXXX x with no help or resolution to get this removed it is theft not me theft of identity for some attempting to apply in my name I reached XXXX XXXX department they saying file FTC report to get the inquiries removed frustrated and hurt capital one Was terrible XXXX transfers. I have even signed up last year to stop all mailers for card solicitation in my mail box and notice last inquiry was XXXX. I need them removed please tearful plea.

Company response to consumer: Closed with non-monetary relief