vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I cosigned for a student loan for my son, XXXX XXXX XXXX, with Wells Fargo. His forbearance ran out on XX/XX/XXXX and our understanding is that he received a temporary forbearance if we paid the entire amount ( XX/XX/XXXX-XX/XX/XXXX ) on XX/XX/XXXX.  Separately, we are trying to refinance our VA mortgage with a really great deal - 2.75 % interest rate with 0 points with closing in late XXXX. Our mortgage refinancer called us yesterday to tell us that our credit rating was way below their standard for this refinance loan. Turns out that Wells Fargo reported us to the credit bureaus as 60 days late on our student loan payment. We called one of their telephone representatives, who told us that the loan was on forbearance and Wells Fargo would respond in 1-2 days with a letter for our refinance company explaining that it was Wells Fargo 's mistake ( so we could keep the refinance application alive ). She even said she would call her supervisor to expedite this letter. I called today ( XX/XX/XXXX ) to check on status and I was told that Wells Fargo does not write this kind of letter. I would have to open an investigation into the issue and that would take about 5 days. Also, I was told that the loan was 60 days late. Wells Fargo has provided extremely misleading information both as to the status of the loan payment and in the information provided by their telephone representative. This information has materially damaged our credit. The damaged credit cost us a great mortgage refinance opportunity.

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 2020-03-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
Rushmore Loan management will not give me credit on 3 payment made. 
I have sent proof of payments to Rushmore many times. 
XXXX XXXX sold my account On XXXX XXXX i made payment to XXXX XXXX for XXXX and XX/XX/XXXX {$1100.00} On XXXX went to XXXX XXXX to make payment and I was told that my account was sold to a different Bank .and that I was going to get a letter from the New Bank . XXXX XXXX would not tell me who was the new Bank. 
2 week 's past and I still have not received a notification on the new Bank I call XXXX XXXX and they would not tell me who or phone number of new Bank On XXXX XXXX I got a letter from Rushmore Loan management, but No account number. 
On XXXX XXXX I got a letter from Rushmore Loan management with my account number and I mailed my XXXX and XXXX payment. 
On XXXX XXXX I got a statement that shows that I had to pay {$1500.00}. 
So I sent my XXXX payment and copy of all PAYMENTS including the payment to XXXX XXXX for XXXX and XX/XX/XXXX. On XXXX XXXX I got statement and it shows that I had to pay {$1800.00}. I sent my XX/XX/XXXX payment and I sent copys of payment to Loss Mitigation. On XXXX XXXX I got a letter from loss mitigation saying that they received the copies of payments and that in 30 days my account will be corrected. 
I never received a notification. 
I call many times no one had a awnser on why this was happening. I continue to make my payments and on XX/XX/XXXX I got a letter from the County of XXXX that saids that my house was in Foreclosure. In XX/XX/XXXX XXXX I emailed all my payments to XXXX XXXX in loss mitigation and on XXXX XXXX I get a payment history letter in wich Rushmore Loan management is charging me for XXXX and XXXX payment that I made to XXXX XXXX and on the payments history money order # XXXX XXXX payment to Rushmore in wich they cashed. 
I emailed XXXX XXXX/ left house message and No Response This is unreal / I lost my job because I got mentally ill dealing with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I sold my phone in one of the stores in Virginia, for this amount they gave me a check that I made a deposit online to a Ally checking account. After I made a deposit, the next day, Ally blocked my online access to my account. 
After 6 business days, they still verifying the check. 
I found out all the information when I called them. 
But I received an email notification that they will verify this check for a maximum of 5 business days. 
But no, still wait. 
Im almost without money already, but I know that they dont care.

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 2020-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Did not receive my escrow balance refund upon closing on a refinance.

Contacted the bank who reported that the escrow balance was used towards the previous loan, however, this was never disclosed in any truth in lending or disclosure statements, nor was it reflected on the settlement statement at closing.

The points and origination fees, were so high, that I was counting on that refund to help offset those closing costs and I would not have proceeded with the refinance had I known my escrow balance would not be refunded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: NY

Complaint narrative:
I have 1 hard Inquiry that I never did. Was not authorized by me. This was fraud. I have tried calling XXXX XXXX and kept getting the run around. I never applied for there cards. Which is the following they claim is the date I applied -- -> XXXX XXXX XX/XX/2018 XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I was denied loan foregiveness even though I have been XXXX   for 25 years as a public servent, as Navient directed my loan into an account which is not recognized as being able to be given loan foregiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX XXXX who opened my account did so without giving me full details of the account type and obligations of me opening the account or the full account details therein. This young lady claimed to have been a temporary transfer at the time and repeatedly asked for assistance from a coworker to aid in opening the account since there was so much information she just didnt know and claimed they did things differently at her bank, which made no sense as banking institutions tend to follow the same procedures by law. There were bulk loads of misinformation given to me such as that Citi bank did not offer secured credit cards but rather only credit cards I could apply for. She also did not tell me that I had to maintain a minimum of XXXX dollars in the account to avoid the XXXX monthly service fee as it was explained that police to me today XX/XX/2020 appx XXXX CST to XXXX XXXX  CST on a recorded phone call. This information had never been previously made aware to me. This account I feel was opened under fraudulent terms in which I feel I was taken advantage of because I am a XXXX individual ; I also feel that due to my XXXX Ms. XXXX did not feel it necessary to explain the full account details to me in a way that I could understand. This deceptive customer service tactic has led to several ongoing issues with the bank from misleading customer service to outright flagrant disrespect and dishonesty in customer service representatives and the information they provide me as an account holder.

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 2020-03-13 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: The CBE Group, Inc.
State: PA

Complaint narrative:
Numerous account inquiries and account review inquiries that I dont recognize and didnt authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: EQUIFAX, INC.
State: MN

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  DPT ED/XXXX  XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  DPT ED/XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DPT ED/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: CA

Complaint narrative:
Ive reviewed my credit report and happened to come across some information that must be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: MoneyLion Inc.
State: PA

Complaint narrative:
Numerous account inquiries and account review inquiries that I dont recognize and didnt authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
I opened high interest online savings account in XX/XX/2020 in mid XXXX they closed it without reason or given explanation. I'm told that they will mail me a check after 60 days which means XX/XX/XXXX-XX/XX/2020 which is ridicules. This is my hard earned saving XXXX and now I don't even have access to it. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
In XX/XX/XXXX I discovered my mortgage company ( XXXX ) paid my XX/XX/XXXX property taxes to an incorrect parcel ID number. The payment went to the builder and not on the property I purchased in XX/XX/XXXX. This was also done for the XX/XX/XXXX property taxes. I have advise the mortgage company and have provided them with proof of the incorrect transactions. In the mean time my escrow account is severally short due to 4 property tax disbursements when there should have only been 2. The mortgage company has increased my monthly payments by an amount that I can not pay due to the shortage they created. So I am paying the XX/XX/XXXX payment until they straighten this mess out. Now the mortgage company has reported to the credit bureau that I have missed monthly payments, which I have not. I have been working with the mortgage company now for 6 months to correct my account.

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 2020-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: OH

Complaint narrative:
Back in XXXX we switched bank accounts and had to contact our mortgage company to inform them. We are enrolled in the budget program, in which they split our monthly mortgage and we pay twice a month. We have called the mortgage company EVERY WEEK since XXXX ( it is XX/XX/XXXX ) about our complaint. The main issue, at first, was that they, for some reason, could not switch our payment to come from our new bank account. They kept saying it was on the bank 's end and that our bank account was closed, which it was not. We followed up with the bank and, of course, our bank account was open. The problem seemed to be that no matter how many times we gave them the new bank information, EVERY single time they entered our old bank info ; therefore, our payments were not coming out as directed and were late. After hours upon hours on the phone with the mortgage company and MANY " supervisors '' later, they FINALLY " fixed '' the problem. Or so we thought. On a random day, WITHOUT OUR APPROVAL, the company deducted the full amount of our mortgage from our bank. We had absolutely no idea this was going to take place ; therefore, sending us into overdraft. Which in turn produced hundreds of dollars worth of overdraft fees. It seems that no matter what we do, we can't catch up. We are constantly having issues with this company and constantly getting fees with our bank because of their careless mistake. The mortgage company said that because we faxed the " wrong '' paperwork ( which isn't true, because they gave us the papers to fax MULTIPLE times -- I faxed probably around 5-6 times ), they decided to take out our full payment and remove us from the budget payment plan. We are BEYOND infuriated, mentally/physically/financially exhausted. I would never, ever recommend servicing your mortgage through this loan company. The amount of stress this company has put on our family is unbelievable. We have lost countless dollars and countless hours with our children sitting on the phone with a different person that knows absolutely nothing about anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
On the XX/XX/2020 I received the third letter from Shellpoint Mortgage Servicing saying that I was behind in mortgage payments and that the credit bureaus have been informed and foreclosure is pending. When I contact Shellpoint Mortgage, they tell me that my account is in good standing and that no actions of any type are pending. My concern is again I have received multiple letters from them and that they are harming my credit standing by reporting a false account standing to the credit bureaus. 

In my opinion this is the same as predatory lending, and should be dealt with in the strictest manner. Our lives revolve around having excellent credit and I have worked hard my entire life to maintain this level of credit. This company thinks nothing of throwing those years away and they have no fear of paying a price for such behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: AR

Complaint narrative:
I have several items on my credit report that are not mine including a XXXX XXXX XXXX. I have never been put on XXXX XXXX. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 

XXXX XXXX  XXXX XXXX {$890.00}

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 2020-03-13 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: AR

Complaint narrative:
I have several items on my credit report that are not mine including a XXXX XXXX XXXX. I have never been put on XXXX XXXX. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 

XXXX XXXX  XXXX XXXX {$890.00}

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