vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 day late remark on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2019-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM IN NEED OF RECEIVING AND REPORTING SUSPECTED FRAUD OR MISUSE OR ABUSE OF AND THEFT OF MY SON 'S SOCIAL SECURITY NUMBER AND THUS, CREDIT STATUS. 

THE SOCIAL SECURITY CARD WAS STOLEN XX/XX/2012. 

MY SON IS XXXX YEARS OLD AND HIS BIOLOGICAL FATHER WAS LAST IN THE ROOM WHERE THE VITAL RECORDS AND MY WALLET ( INCLUDING MY SON 'S SOCIAL SECURITY CARD ) HAD BEEN PHYSICALLY PUT AWAY ON MY DESK AND IN BACKPACK ... .WHILE FATHER VISITED WITH MY SON ALONE AS A COURTESY FROM ME AND OUR VISITATION ORDERS AFTER FIVE + HOURS, THE WALLET AND RECORDS WERE NO LONGER LOCATED. 

I WAS LED TO BELIEVE I HAD GIVEN FATHER COPIES OF RECORDS, ETC, HOWEVER, I WAS NOT GOING TO ARGUE OR BRING UP THEFT DUE TO VIOLENCE POTENTIAL. 

WITH FULL TIME WORKING AND PART TIME SCHOOLING I SOUGHT AND OBTAINED REPLACEMENT CARDS AND RECORDS WITH THESE REPLACEMENTS BEING INCORRECT NAMES FOR MY SON AND I BOTH. 

I AM CURRENTLY AS OF TODAY REPLACING MY SONS AND MINE SOCIAL SECURITY CARDS AND REPORTING PASSPORT STOLEN. I AM NOT POLICE REPORTING AS I HAVE EXHAUSTED MY TIME AT POLICE STATION WITH REPORTS OF XXXX, XXXX XXXX, AND HAVE EXHAUSTED LAWYER CASE MANAGED COURT CUSTODY HEARINGS IN XXXX COUNTY TEXAS FOR AND AWARDED WITH SOLE CUSTODY OF MY SON. 

XXXX XXXX HAS RECORD OF XXXX AND XXXX AND XXXX XXXX. 
HAS BEEN KNOWN TO HARASS ME WITH PHONE CALLS, THUS, I SEEK A SIMPLE EASY SOLUTION INTO OBTAINING A REPORT FOR MY SON 'S CREDIT

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 2019-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: NC

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I submitted complaint # XXXX-XXXX  to your agency. Please refer to that complaint for history leading up to the closed date of XX/XX/XXXX with reference to the response to my complaint received from Fifth Third Bank XX/XX/XXXX. 

In the letter dated XX/XX/XXXX after a very significant amount of time Fifth Third Bank admitted the errors made within their institution and assured me the resolution was complete and if I concede and accept the resolution to pay {$5400.00} by XX/XX/XXXX all late fees, and ALL LATE PAYMENTS BEGINNING IN XX/XX/XXXX AND THE CHARGE OFF REPORTED TO CREDIT BUREAUS REPORTED IN XX/XX/XXXX WOULD BE REMOVED UPON RECEIPT OF THE PAYMENT. 

I called the proper department named in the letter prior to XX/XX/XXXX to pay the amount due only to learn that they were not able to locate XXXX XXXX ( represents the office of the president department ) and therefore could not accept the payment??? I tried back the following day and after 61. Mins 54 seconds I was finally able to pay via ACH DEBIT. 

I placed multiple calls to the department named above XXXX specifically where I left 4 voicemails from XX/XX/XXXX in order to follow up with the removal of derogatory statements on my credit reporting. To receive a voicemail from XXXX XXXX XXXX at XXXX XXXX  telling me that I now need to make an additional 3 payments prior to XX/XX/XXXX ( statement dates not specified ) instructing me to pay an additional XXXX x 3 by XX/XX/XXXX. Upon receipt of 3 MORE PAYMENTS THEN SHE COULD REMOVE DEROGATORY STATEMENTS ON MY CREDIT REPORT. I paid XXXX XXXX UP UNTIL XX/XX/XXXX an automatic payment every month until this loan transition to FIFTH THIRD. FIFTH THIRD WAS PAID XXXX TO XXXX AND XXXX PAYMENT TO BE WITHDRAWN THE XXXX THE SAME DAY FOR YEARS. At this time my previous complaint is not closed its open with no resolution completed. All I received were words NO ACTION. They have had many month to sort through this issue as it was brought to their attention 3 times per month for 6 months. NONE OF WHAT WAS PROMISED BY FIFTH THIRD BANK WAS COMPLETED WITH THE CREDIT BUREAUS. 

I AM IN THE SAME POSITION AS I WAS XX/XX/XXXX FIGHTING WITH A COMPLETELY DISORGANIZED MALFUNCTIONING INSTITUTION THAT CLEARLY HAD NO BUSINESS TAKING ON THIS MERGER. AGAIN I AM THE INNOCENT VICTIM WITH DESTROYED CREDIT AS A BUSINESS OWNER IT MAKES MY STRUGGLE EVEN HARDER. 

PLEASE HELP ME XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM IN NEED OF RECEIVING AND REPORTING SUSPECTED FRAUD OR MISUSE OR ABUSE OF AND THEFT OF MY SON 'S SOCIAL SECURITY NUMBER AND THUS, CREDIT STATUS. 

THE SOCIAL SECURITY CARD WAS STOLEN XX/XX/2012. 

MY SON IS XXXX YEARS OLD AND HIS BIOLOGICAL FATHER WAS LAST IN THE ROOM WHERE THE VITAL RECORDS AND MY WALLET ( INCLUDING MY SON 'S SOCIAL SECURITY CARD ) HAD BEEN PHYSICALLY PUT AWAY ON MY DESK AND IN BACKPACK ... .WHILE FATHER VISITED WITH MY SON ALONE AS A COURTESY FROM ME AND OUR VISITATION ORDERS AFTER FIVE + HOURS, THE WALLET AND RECORDS WERE NO LONGER LOCATED. 

I WAS LED TO BELIEVE I HAD GIVEN FATHER COPIES OF RECORDS, ETC, HOWEVER, I WAS NOT GOING TO ARGUE OR BRING UP THEFT DUE TO XXXX POTENTIAL. 

WITH FULL TIME WORKING AND PART TIME SCHOOLING I SOUGHT AND OBTAINED REPLACEMENT CARDS AND RECORDS WITH THESE REPLACEMENTS BEING INCORRECT NAMES FOR MY SON AND I BOTH. 

I AM CURRENTLY AS OF TODAY REPLACING MY SONS AND MINE SOCIAL SECURITY CARDS AND REPORTING PASSPORT STOLEN. I AM NOT POLICE REPORTING AS I HAVE EXHAUSTED MY TIME AT POLICE STATION WITH REPORTS OF ABUSE, XXXX XXXX, AND HAVE EXHAUSTED LAWYER CASE MANAGED COURT CUSTODY HEARINGS IN XXXX COUNTY TEXAS FOR AND AWARDED WITH SOLE CUSTODY OF MY SON. 

XXXX XXXX HAS RECORD OF THEFT AND XXXX AND XXXX XXXX. 
HAS BEEN KNOWN TO HARASS ME WITH PHONE CALLS, THUS, I SEEK A SIMPLE EASY SOLUTION INTO OBTAINING A REPORT FOR MY SON 'S CREDIT

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 2019-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I had several payment plans set up and different issues came up some on my end and some on PHH 's end. However I received an email from PHH before XXXX stating I had a new relationship contact person. I emailed them back as always asking what help was available to me. 
I was told to call or fill out a form with my financial information. Which I did but then when I tried to email it to the address on the form it cam back undelivered. 
Then I tried to fax it. I came back unknown number which I gfot from the paperwork as well. 
So how can I send what they are asking for if it is not giving me the working numbers to so? 
This is once again the way Ocwen/PHH does things and make it look like they are helping but they always find a way and claim it wasn't thier fault. when we are trying to keep the home. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: SC

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient never told me about program option until my loans accrued XXXX in interest. Now im paying a high payment to keep my credit from going down! I believe that its unfair and is not being communicated to the consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: TN

Complaint narrative:
I do not recall having this account. The date open is inaccurate. I have disputed this account with the credit bureaus asked them to validate this account but I'm still not able to get a response. 

Collection account : Account No. XXXX Date last reported : XX/XX/2019 Date opened : XX/XX/2019 Amount : {$280.00}

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 explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: DE

Complaint narrative:
I keep receiving unauthorized VISA cards from Square. I sent an email to the company asking to stop all mailings and another card was received last night. I am concerned about the safety of my account so I removed my bank information from their app. The mailings are clearly marked that they are coming from Square and are clear that there is a card inside. Can issuers send cards without customers permission? All of the issuers that I do business with send replacement cards in non-marked envelopes so it is not obvious there is a card inside. Since Square ( cash app ) accesses my bank account -- this is very concerning and a poor practice. Each of the five plastics I have received at this point have had gibberish imprinted on the front of the card ( $ grdhfgjfgjfhkhk ), my full name, VISA number they issued ( bin XXXX ), exp and CVV. On the flimsy paper it is stuck to there is a QR code to activate. Paperwork is extremely minimal- no terms and conditions. This practice needs to stop -- and this company needs to stop mailing VISA cards that were not authorized to my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: FL

Complaint narrative:
Equifax refuses to Investigate disputed questionable inquiries that have been disputed online and by mail. Equifax simply sends a notice stating the inquiries are a factual record of my credit report.Equifax states contact the creditor if the inquiry is unauthoruzed. The credit bureaus have a duty to investigate any inaccurate reported information. Equifax is intentionally ignoring the law by failing to dispute the inquiries, failing to provide proof of any credit applications verifying my social security number, date of birth, and my signature, no verification of method of verification or name of the person whom they verified the inquiry is accurate or verified. Equifax is simply refusing to abide by FCRA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I am a beneficiary on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In the trust it stipulates that I can have a XXXX interest loan for {$30000.00} provided I provide collateral. I pledged my home and or a car title as collateral. XXXX XXXX and her boss XXXX XXXX said that they would have to charge me interest so the bank could make money on the deal. I said no it stipulates in the trust a XXXX interest loan. Because of this I was denied the loan. This is not right because my Grandfather stipulated that if we ever needed to take a loan out it would be at XXXX interest. I would like to see this rectified. Thank you in advance. 
Regards, 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 2019-12-27 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: TN

Complaint narrative:
I do not recall having this account. The date open is inaccurate. I have disputed this account with the credit bureaus asked them to validate this account but I'm still not able to get a response. 

Collection account : Account No. XXXX Date last reported : XX/XX/2019 Date opened : XX/XX/2019 Amount : {$280.00}

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 explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Hi.begining XX/XX/2019 i applied for first time home buyer and I did choose Bank of America because of her special, low down payment government grant plus plus, ok so far so good.first home I found took one month to decide either the bank will approve the loan or not finally the answer is NO the reason is HOA insurance policy ok I have to look for another home, on more month I found another home ok I applied for it same bank same loan officer. After on more month nothing worked out denied again HOA policy against the bank rules, ok the lender told me, you have to look for third unit yes  third, and this time it s gon na be faster and easier, well I dont have choice, by the way those searches for home cost me {$6000.00} and 6 months, so the third home as of today XX/XX/2019 still not have final decision I dont have place I m staying in hotel very expensive and the worst thing is the bank of America switch their initial offer from conventional loan to an FHA loan on the top of that I LOST all special yes, all help for first time buyer, government grant, and I have to pay mortgage insurance totally unfair after 6month you loose your time your money and all the grants from the government,,, please need help l have other infos and proof that my application was full of wrongdoing

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 2019-12-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
I started a refinance with Freedom Mortgage on XX/XX/XXXX. The first person I talked to was XXXX XXXX and he is my loan officer. The last he called me or spoke to me was XXXX XX/XX/XXXX, promising that i could skip XXXX and XXXX payments for my mortgage. Since then, he has not returned my various many calls regarding the refinance. When there has been major and important issues with the refinance, like the title issues and a trust, no one from freedom mortgage has called me. I payed {$300.00} to my lawyer to fix trust issue, that he stated happens in refinance all the time by the mortgage and title company. I have sent emails to XXXX XXXX on XX/XX/XXXX and XXXX, and he never replied. I left voice messages on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and the XXXX. He has not called me back, but i got an email from XXXX on XX/XX/XXXX, telling me to sign Freedom mortgage papers stating I needed to fix an issue that I had fixed 2 weeks prior, without any acknowledgment of any of my concerns. I called the Freedom Mortgage customer service on XX/XX/XXXX to see if i could reach XXXX XXXX, XXXX XXXX Supervisor, i left a voicemail and had No response. I called the Freedom mortgage customer service line on XX/XX/XXXX, to request a new loan officer and file a complaint, and i have not heard back. On XX/XX/XXXX i have been called by the Title company " Inspire Closing '' that Freedom not approving my loan because of my divorce decree. This is something that should have been addressed back in XXXX And everything I have learned about the issues of my loan with Freedom has come from " Inspire Closing '', not Freedom Mortgage. 
This delay is causing many issues with my credit applications. I have expressed this with Freedom. They have me in contract for refinance and it is infringing on my ability to do anything with my credit. They target veteran with XXXX and then abuse their power. I have racked up {$240.00} late fees with Freedom since they promised i could skip payments. I had paid {$300.00} to lawyer. I need a refund on that unnecessary expense that Freedom forced me into. and XXXX XXXX promised i could skip XXXX and XXXX payments thats {$2900.00}. Total of {$3500.00} in money owed to me as a contract consumer. I need someone from Freedom to finish the refinance with professionalism and that will contact me.

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 2019-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My account was fraudalent scammed on XX/XX/XXXX, a policy report was done, chase ending closing all my account, and reopened new accounts for me, after a month in new account a XXXX payment was done via quickpay on XX/XX/XXXX my contact and contacts information was fraudalent changed and money was sent again to person who scammed my account before, after many calls to chase with no answer or explanation I finally decided to call one more time on XX/XX/XXXX, to find out status of my case after the 10 days ( waiting period ) a XXXX  customer service name XXXX start screaming on the phone, was not helpful at all, didn't let me finish explained her what really happen to my account, just continue stating that she review case and make the decision that my account can't be accredited, didn't want check notes from prior representatives, what she was telling on the phone wasn't the same of my complaint and she accused me for something that I didn't do. She also say that she doesn't care about me doing a complaint against her and hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit monitoring company showed that my Credit score dropped 28 points from Transunion. I verified this with another credit monitoring company. I tried to contact Transunion through there dispute site but was unable to dispute this score due to not knowing why they dropped it or what account it may have fallen under, all accounts are in very good standing. 

Please advise, 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 2019-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation