vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had money taken from my account via my debit card, I caught it because i checked my account and I filled a fraudulent claim and on XXXX well fargo closed my claim dude to not finding any evidence in fraud. I had {$500.00} stolen from my account. The money that was stolen had links to then on my wells fargo app but they somehow vanished and are no longer visible on my wells fargo app summary

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: Lending Club Corp
State: ME

Complaint narrative:
I have repeatedly tried to remove the fraudulent XXXX Lending Club loan from my XXXX credit report. The loan is not mine and when I call Lending Club I am told they can not find the account ( obviously ) so they can not do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Freedom Mortgage responded to my XX/XX/21 complaint and said they would no longer have their insurance company send me letters regarding my flood insurance because they agreed my coverage meets the terms of the mortgage. 

Today, they added a - {$1300.00} to my escrow account for them buying a new flood insurance policy. 

This makes no sense. They already agreed my flood insurance meets the terms of mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: MT

Complaint narrative:
NOT A DUPLICATE!! In regards to previously submitted cfpb complaint id # XXXX ( which was closed due to concerns authorization ) .. I'm XXXX XXXX XXXX, attached is identifying documents. Drivers License, Social Security Number and letter sent from Transunion to my address. Been disputing inaccurate information on credit report for years and attempting to mediate issues with credit bureaus, debt collecting agency 's and creditors. Whenever I've requested investigation results for my disputes into these inaccuracies from any parties, I've been told by the credit bureaus that they are only obligated to verify identifying information ( such as address, ssn and birthday ), therefore nothing will be done to correct inaccuracies because reporting company is providing them with identifying information that matches up with my customer file. Alot of items on my credit report are the result of fraudulent accounts opened in my name and or accounts that have become affected by the damages of identity theft. And I'd like to resolve these issues once and for all. 

This was your response to my previous complaint # XXXX, which was closed with prejudice and the quoted response : Authorization needed STATUS Company responded there is an unauthorized third party on XXXXXXXX What does this mean? Who is the unauthorized party? And if unauthorized party is in regards to someone else, this further establishes my argument of Fraudulent Activity on my accounts, as well as Identity Theft. Someone needs to get in touch immediately to address my concerns with the information reporting in association with my transunion credit report File # 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 2021-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
XXXXXXXX XXXX  says that my proof of income was photoshopped and for that reason I could not be given a checking account. 

I did not submit any fake information, and also XXXX did not provide any information on how they came to a decision that my documentation was photoshopped. 

I have provided information to prove who I am and they still shut down my account. This organization is a discriminatory lender and discriminates against people based off their race, age, culture, and religion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: GA

Complaint narrative:
I noticed that i have been a XXXX  of XXXX XXXX for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from XXXX XXXX. I have contacted ( XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
1. On XX/XX/XXXX, I mail a letter Notarized & CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX to XXXX include a bill with proof of my new residency requesting XXXX to updated my Personal information on the records, and no one has replied me back that my case has been received or under dispute and again XXXX stated : We have contacted the company reporting the information you disputed. 

Wish Company XXXX have contacted? I am requesting to remove the old Personal Address and Telephone and variation on my report. 

2. On XX/XX/XXXX, again, I sent a second dispute online and received Report Number from XXXX. Less than 7 hours on XX/XX/XXXX, I received an email stating that my dispute was complete and closed. None of my Old Personal information, like Addresses variations, Phone variations, has been deleted. 

XXXX created a trap system almost impossible for customers to dispute wrong information on their files. These multiples addresses appear on my XXXX  credit reports is causing my personal documents or information to be sent to your old address listed on the XXXX report. 

It is my right, and I do not want my old address or phone, employer listed on my credit file. I am here requesting XXXX to delete this variation information 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 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
1. On XX/XX/XXXX, I mail a letter Notarized & CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX to XXXX include a bill with proof of my new residency requesting XXXX to updated my Personal information on the records, and no one has replied me back that my case has been received or under dispute and again XXXX  stated : We have contacted the company reporting the information you disputed. 

Wish Company XXXX have contacted? I am requesting to remove the old Personal Address and Telephone and variation on my report.

2. On XX/XX/XXXX, again, I sent a second dispute online and received Report Number from XXXX. Less than 7 hours on XX/XX/XXXX, I received an email stating that my dispute was complete and closed. None of my Old Personal information, like Addresses variations, Phone variations, has been deleted. 

XXXX created a trap system almost impossible for customers to dispute wrong information on their files. These multiples addresses appear on my XXXX credit reports is causing my personal documents or information to be sent to your old address listed on the XXXX report. 

It is my right, and I do not want my old address or phone, employer listed on my credit file. I am here requesting XXXX to delete this variation information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: FL

Complaint narrative:
Since XXXX and it is now XXXX they have been using this fraudulent account for tax write off purposes they have also used the date of furniture to forcefully & falsely verify my stolen data as accurate! I have a XXXX in my left XXXX and it is causing me significant pain in home and I can not afford to remove it with my credit continuously going up I need to be able to get money to pay for XXXX theyre making that incredibly difficult Ive asked this to be removed its tied to my social ending in XXXX end it is not mine I dont care about any investigations I want them to remove it immediately before I die

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The company did not give me a proper responce regarding a previous complaint. I first contacted Transunion in XX/XX/XXXX and I have not heard anything back which is the reason I filed a CFPB complaint in the first place. In the complaint I stated I havent received a response in 60 days. Transunions respons today was that I contacted them XX/XX/XXXX an they responded by by XX/XX/XXXX which is in timely fashion But I made my complaint based on them not responding to me to more than 60 dayregarding when first I contacted them in XX/XX/XXXX. They left out an are purposely are not mentioning what I was complaining about when I contacted them in XX/XX/XXXX which was me making a complaint about them not contacting me from when I first contacted them in XX/XX/XXXX. Transunion is trying to confuse the CFPB to make it seem like they responded to me which they did not respond to my XXXX complaint. They only responded to my XXXX complaint stating that they responded on XX/XX/XXXX. But they did not mention anything about my XXXX complaint which is the reason I filed a CFPB complaint in the first place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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:
There are numerous account listed on my Transunion credit report that I have no knowledge of. This was a result of malpractice or an error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I believe that Merrill Lynch, in coordination with certain employers intentionally obfuscates the disposition of 401k accounts after an employee terminates, even when the account has sufficient funds to remain in the 401k plan. 

Specifically, Merrill Lunch and XXXX issued statements that had no identifying information ( account number, etc. ) There was only an online notification that funds were moved into an IRA and no account information was given, or method to access. Their phone tree is horribly complicated and required multiple phone calls to find an agent that could setup online access so I could initiate a rollover. 

My sense is that they prey on the thousands of contractors that accumulate relatively small 401k holdings because of the small pittance that government contractors allow for matching, dissuading employees to contribute. Then effectively absconding with funds by making it very opaque where the money has gone. 

I would be happy to provide a detailed timeline, but am hoping that others have raised this concern and that an investigation has either been or will be made into these practices. 

Coincidentally, I had a similar experience with XXXX XXXX and 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 2021-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
My mortgage administrator, Loancare XXXX XXXX XXXX, XXXX  XXXX, VA XXXX appears to be operating on online process whereby they are limiting principal repayments to 20 % of the principal. I attempted to make a larger principal payment ( approx 50 % of a XXXX mortgage ) on Friday XX/XX/2021 and was prevented from completing the request online. 
I subsequently called Loancare ( XXXX XXXX on Monday, XX/XX/2021 and was put into a wait queue. I ended up leaving my phone number for callback but the call was not returned. Later that day I made two attempts to contact Loancare through their online systems, first by using their contact form, then by using their document request system. There has not been a reply via these messages so I called again today XX/XX/XXXX and spoke to a representative. The representative said they could not take a principal payment greater than 20 %. 
I explained that I was aware that my mortgage does not have a prepayment penalty and in my opinion by denying a principal payment greater than 20 % Loancare was effectively generating interest revenue on the principal that should have been paid off if they were not restricting payments. 
The representative put me on hold while she contacted their supervisor and came back to inform me that her supervisor could not take the payment as a whole, but would call me back and may be able to split the payment into two parts. I'm assuming this will go ahead, but overall I think that this company is operating a practice that tends to hinder principal payments and results in unfair revenue gain for them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: KY

Complaint narrative:
Mortgage company won't release my unpaid funds This loan was paid off XX/XX/XXXX, and I still haven't received my escrow balance, as of XX/XX/XXXX. Amerihome Mortgage keeps saying the check is in the mail, and to just wait longer. No solutions, just wait longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
I submitted all the information required to obtain a loan estimate from rocket mortgage via quicken loans. I was told they do not provide a loan estimate until Im in contract with the seller. This is a clear violation of my rights as a customer by law. I can provide more info and the loan officer who told me this and subsequently closed my mortgage application without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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:
I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off XXXX XXXX XXXX XXXX ( Opened XX/XX/2015 ) and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUIDANCE RESIDENTIAL, LLC
State: VA

Complaint narrative:
I requested for a loan to buy a house and sign up financial applications at XXXX XXXX to finance a conventional loan with 20 % down-payment funds. I paid all necessary fees, provide all financial confidential documentation and submitted to the Guidance Residential LLC as my Mortgage Company. At XXXX XXXX I received Uniform Residential Financing Application ( Form XXXX ) from Guidance Residential, filled it out, signed and sent it back. All XX/XX/XXXX, XX/XX/XXXX and beginning of XX/XX/XXXX I am getting promises to sent me a commitment for close this real estate transaction.My mortgage broker is lying to me, my Real Estate agent and Law office who is representing me in this transaction every time when somebody calling him. He promised to speak with Vice President of the company, he got commitment already and just in few minutes sent it to us and etc.Now, I have to close this transaction with all cash, because time is the essence and buyers side wants to breach a contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
I have submitted 6 disputes to XXXX  about Nissan Motor Acceptance account. 
XXXX is the only credit bureau that is inaccurately reporting the information pertaining to this account and it is now showing deliquent on my credit report. My XXXX credit report is significantly ( more than 30 points ) lower than my XXXX and XXXX credit reports because of this inaccuracy. 

Dispute 1. XX/XX/XXXX Dispute 2 XXXX XXXX, XXXX ( closed in 2 hours ) Dispute 3. A second on XX/XX/XXXX Dispute 4. XX/XX/XXXX Dispute 5. XX/XX/XXXX Dispute 6. I also next-day mailed in a dispute with verifying documents to confirm the invalidity that the account was resolved with receipt from the collection agency. This was mailed on XX/XX/XXXX. 

The issue : This debt is being double-reported. I have confirmed with Nissan that the debt was sold to collections on XX/XX/XXXX. However, Nissan never reported to the credit bureau that the debt was sold, nor did the collection agency report receiving the collection. 

The following year, I called Nissan to pay the debt on XX/XX/XXXX and the debt was no longer in their possesion, I was provided with the collection agency 's information and resolved the account with the collection agency. 

I noticed in XX/XX/XXXX that this debt is still showing on my credit report as outstanding from Nissan and I disputed it with XXXX. Since then, my credit has plummetted because the Nissan account was updated to reflect the dates of outstanding payments from XX/XX/XXXX to present, ( even XX/XX/XXXX has reflected no payment ). 

This account needs to be removed from all credit reports in entirety. Nissan is falsley reporting information on my behalf and the credit bureau is not doing diligence to investigate this inaccuracy despite receipts and factual documentation being provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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:
My complaint is with Experian. I incorporate by reference and support the attached Mortgage credit report. According to Experian, the key score factors that adversely affect my Experian credit score : SERIOUS DELINQUENCY. Note : According to Experian reporting, I have 11 open accounts, all of which have never been late. Note : According to Experian I have 12 closed accounts, 1 XXXX XXXX account paid off two years early when XXXX misreported a late payment in XXXX which I disputed ; 4 Department of Education Account closed, having never been late ; 1 XXXX XXXX XXXX XXXX loan closed, having never been late ; 1 XXXX XXXX XXXX account closed, having never been late ; 1 XXXX XXXX XXXX XXXX Account disputed and closed, having never been late and XXXX XXXX and scheduled to drop from reporting in XX/XX/XXXX ; 4 XXXX accounts closed and disputed wherein XXXX abandoned their claim and then issued a separate 1099 for each and scheduled to drop from reporting in XX/XX/XXXX. High Credit Use. Note : According to Experian reporting, they report two mutually exclusive factors. First, they report my ratio of revolving balance to credit limits is 96 %. Second, they report my Credit Utilization is 2 %. Third, they report my available credit is 98 %. Fourth, they report my credit card and retail debt is {$600.00}. Fifth, Experian is not publishing all of my credit cards, of which all but two have a {$0.00} balance. or line the 5 my ratio to limit is 2 % with credit availability of 98 %. Bad payment history. Note : According to Experian reporting there are seven accounts with previously missed payments. Few Accounts Paid on Time. Note : According to Experian reporting, I have 11 open accounts that have never been late, yet they report there are only 2 being paid as agreed. Again, this reporting is mutually exclusive and Experian is making damaging content up. In fact, I have 21 open accounts paid as agreed, but 10, Experian is not publishing, on information and belief, because doing so would mandate that my credit report be corrected and FICO Score increased.

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