vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Data Mortgage Inc.
State: GA

Complaint narrative:
Essex Mortgage granted a modification, I agreed to the terms calculated by their underwriting team to pay a current amount, that amount went up from the agreed amount, then 3 months later they then turn around and hiked up the mortgage amount again. Now the mortgage is outside any agreement that was made during the loan modification, in addition they did not calculate my escrow payments correctly from the time I purchased the home till now. They also refuse to owner removing all feature payments starting XXXX XXXX, from their database I had set up, in return they have caused me so many NSF 's they refuse to pay. I have the email back in XXXX I sent on the XXXX stating they would stop feature payments but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
After my first husband passed, I paid off XXXX with Bank of America in XXXX and requested the account be closed. XXXX years later, in XXXX of XXXX, I received a letter from BOA suggesting I owed for lender insurance that they purchased without my knowledge, notification, or consent, to cover my XXXX balance HELOC because they could not seem to verify that I had insurance on my home. I have spent over XXXX hours on the phone with XXXX different departments giving them either policy information or phone numbers for our agent to verify insurance coverage on my home. They are now suggesting that I owe $ XXXX before closing out my paid-off HELOC that I instructed BOA to close back in XXXX ( in person at a local branch ). This is clearly deceptive trade practices, and BOA is NOT doing its job on account administration. I am asking that this practice be looked into and stopped to protect other consumers.

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 2023-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent this account below has violated my rights according to 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 a account without my written instructions.

Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report.Thanks

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 2023-02-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX this account below has violated my rights according to 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 a account without my written instructions.

Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report.Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
in accordance with the Fair Credit Reporting act 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 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 non-monetary relief
Consumer complaint received 2023-02-10 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: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent the letters to XXXX credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. that means the XXXX credit bureaus has NOT complied with the Fair Credit Reporting Act Law. REMOVE OR BLOCK THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXXXXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed {$27000.00}

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 2023-02-10 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: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent the letters to 3 credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. that means the 3 credit bureaus has NOT complied with the Fair Credit Reporting Act Law. REMOVE OR BLOCK THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
On XX/XX/2023, Pennymac contacted me proactively, because they had received an alert from XXXX  that I had listed my property for sale, and they wanted to assist with any new financing or refinancing I needed. 

However, I had not listed my property for sale. There is no active XXXX listing on my property. I immediately became concerned that someone was committing a scam to defraud both me and Pennymac. I asked to speak to someone in their Cyber or Fraud department. I was transferred three times, but no one knew how to handle the concerns that a ) they had received a sales lead with false and fraudulent information or b ) how to identify and protect their customers who may be the victims of such fraud.

None of the four Associates knew how to escalate or handle the suspected scam. None offered any recourse to me to counteract the potential listing of my property, nor to protect their institution from losses related to my account. When the fourth Pennymac associate could not assist, I asked if I could at least create a complaint.

As a tenured employee of another financial institution, I am concerned that Pennymac does not have the procedures or processed in place to identify, flag, and respond when they or their customers are the potential victims of fraud. I am also concerned that they do not have the procedures in place to identify when they have purchase fraudulent leads and may take action on the fraudulent leads, leading to additional risk in their loan portfolio. I am concerned that this ineffectiveness could lead both to loan losses for Pennymac and financial losses for their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XX/XX/XXXX To Whom It May Concern. 

RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account : XXXX To Whom It May Concern, I am writing you to request your assistance for the deletion of this account from my all my credit profiles. This account is reporting inaccurate information on all my credit bureaus. I have called and sent letters as far back as XXXX XXXX, requesting the deletion. To date, no actions have been taken. I have attached all required supporting documents for your reference. 

I appreciate your assistance, and please feel free to contact me directly at XXXX if you need any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: MD

Complaint narrative:
XX/XX/XXXX To Whom It May Concern. 

RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account : XXXX To Whom It May Concern, I am writing you to request your assistance for the deletion of this account from my all my credit profiles. This account is reporting inaccurate information on all my credit bureaus. I have called and sent letters as far back as XXXX XXXX, requesting the deletion. To date, no actions have been taken. I have attached all required supporting documents for your reference. 

I appreciate your assistance, and please feel free to contact me directly at XXXX if you need any additional information.

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 2023-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Coinbase, Inc.
State: NC

Complaint narrative:
I used my Coinbase debit card to attempt to make 2 transactions. First transaction was XX/XX/28 at XXXX at XXXX XXXX attempted ) {$2400.00}. Coinbase took my money out of my account but the merchant did not process the transaction. 

Created on : XXXX XXXX The second transaction was XXXX at XXXX also at XXXX for the same attempted amount {$2400.00}. The same issue occurred where coinbase took my money out of my account but the merchant transaction was not completed. 
I have lost {$4900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: EQUIFAX, INC.
State: SC

Complaint narrative:
in accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: OPTUM BANK, INC.
State: FL

Complaint narrative:
I have an account with Optum Financial that was transferred to them after I left my employer. Originally the account was held by XXXX XXXX  but transferred to Optum Financial. I have been in contact with Optum 's help line since XX/XX/2022 trying to resolve a {$40.00} charge to my account. After XXXX calls and countless hours trying to get an answer, they have not answered my questions about why {$39.00} was charged in one month when their weekly fee is {$3.00}. They also redirected me 3 separate times to XXXX XXXX, who I also called and said they were not the ones who charged the fees -- Optum did. In my most recent open case, the company never called me back as they had promised and instead closed the case with no explanation via email. 

I have run out of ways to resolve this directly with the company as they are not responsive and I do not want to continue wasting hours on the phone with them. It is unacceptable that a company charges fees and then gives consumers no way to understand or dispute them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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 went to look at my credit because I need to start helping my mom pay for your medications. I went to the bank and they denied me and stated I have too much debt. So I went back to look at my credit throughly and saw some things on there I dont know where they came from. I was told you all can help me. Im doing this on my own and would like for all the remove these items. I reached out to you all about XXXX weeks ago and havent heard anything. Please have the credit bureaus to take these accounts off my credit XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
since i took my loan out with Santander USA my payment due date has always been on the XXXX of each month. Either some time in XXXX or XXXX my due date was changed to thee XXXX of the month without my knowledge or approval and this has cause several late payments to be reported to my credit file. I did not sign anything and I did not agree to the due date change so how change they just change and then adversely affect my credit. This is a violation of the FCRA. I have heard and been a witness to many horror stories with Santander and this is unacceptable. According to my credit report I was reported 30 days last for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
As a XXXX XXXXXXXX veteran, I am currently under contract to purchase a more accessible home that will improve my daily quality of life. I am also under contract for the sale of my current home. The person who is purchasing my home is also a XXXX veteran and we are in the process of a loan assumption with my current servicer, Mr. Cooper ( formerly Nationstar ). Mr. Cooper initially assured us ( both buyer and seller ) that the assumption process would be completed in about 30 days. We received these assurances verbally before we signed our sale/purchase agreement. After signing, we immediately reached out to Mr. Cooper with the sales contract and initiated the assumption process by completing the assumption package that Mr. Cooper sent me. 

Both the buyer and seller completed all documents that Mr. Cooper requested, and provided those, along with any documents we anticipated they would require, within XXXX business days. Mr. Cooper then told us that this process would take 3 to 6 months. Each time we speak with someone at Mr. Cooper, the timeframe we are given changes once we were told 30 days, the next time 60 days, another time 45 days, and so on. In the most recent interaction with them the timeframe of 4 to 6 months was the estimated time required to complete the assumption.

A 4 to 6 month timeframe is unreasonable and will cause me to have to terminate both this contract and the one for the home I'm trying to purchase. I stand to lose thousands of dollars if this were to happen. The closing date for the home I am purchasing is XX/XX/23. 

Mr. Cooper states that they do not have a way to transfer us to the Assumptions team to speak with someone who can give us any sense of whether the paperwork we submitted was complete, what the next steps are, or any realistic time frame. The Mr. Cooper agents weve spoken to have requested internally that the Assumptions team reach out to us directly, but we have not received any calls or emails in response.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: NY

Complaint narrative:
Credit report showing an obvious error submitted by XXXX XXXX XXXX XXXX stating that I was sent to collections in XX/XX/XXXX. I called the Child support collection unit and they acknowledge this was an error as I was never late on any payment and even had a credit balance in which they mailed me a check in XX/XX/XXXX when my account was closed because my son turned XXXX in XX/XX/XXXX so there was no way I was sent to collections. In addition my payments were automatically made another fact I proved to Experian so there is no way I was late. The support collection department said that you only go to collections if you owe XXXX which Experian has it listed that I owed XXXX and was in collections making it even more obvious that this was an error. The people at the XXXX XXXX XXXX  said they advised Experian of the status of my account as not being in collection nor ever was it. Experian sided against me in the dispute even though I submitted sufficient evidence as well as them being told by the XXXX XXXX XXXX XXXX that I never had an issue. This in inexcusable behavior on their part.

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 2023-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I applied and was granted a construction loan with Wachovia ( now Wells Fargo ) The cabin was being finished with the construction to perm loan and I was notified that XXXX XXXX was not accepting any construction loans and the loan was accelerated. 
I spoke with the construction department and hired an attorney but the loan was accelerated and the cabin was foreclosed.

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