vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In 2016 my husband and I had a family circumstance causing us to fall behind on our mortgage. We attempted a loan modification but the mortgage company threatened foreclosure. We were afraid we would lose our home and filed for Ch XXXX bankruptcy. Right after we filed the mortgage company agreed to a modification. We dismissed the Bankruptcy because we no longer needed to do it. We never had to pay any trustee payments because the modification was resolved right after we filed. All 3 credit reporting agencies have the bankruptcy on mine and my husbands credit reports. Its destroying our credit and we never had to participate in the bankruptcy as we voluntarily dismissed it. Weve disputed this with the 3 credit bureaus and they refuse to remove it from our credit reports.

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 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In 2016 my husband and I had a family circumstance causing us to fall behind on our mortgage. We attempted a loan modification but the mortgage company threatened foreclosure. We were afraid we would lose our home and filed for Ch XXXX bankruptcy. Right after we filed the mortgage company agreed to a modification. We dismissed the Bankruptcy because we no longer needed to do it. We never had to pay any trustee payments because the modification was resolved right after we filed. All 3 credit reporting agencies have the bankruptcy on mine and my husbands credit reports. Its destroying our credit and we never had to participate in the bankruptcy as we voluntarily dismissed it. Weve disputed this with the 3 credit bureaus and they refuse to remove it from our credit reports.

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 2019-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Comerica
State: GA

Complaint narrative:
On r about the XXXX of XXXX a i was imformed by the Social Security Administration that they had sent my benifits to DirectExpress and that they would send me A card. I spoke them and was told that they had mailed me a card to a address given to them from SSI. I told them that i did not live at that address and wanted to have a new card mailed to my new address. Upon receiveing my card and activateding it i noticed that the payments for XXXX and XXXX of XXXX were missing {$2000.00}. I called and reported this to DirectExpress. i also told them that i was in XXXX and never recieved the card that was used to withdraw the funds.I was imformed that i had to file paper about the funds missing and file a police report which i did. XX/XX/XXXX. I recieved a letter imforming me that my paperwork was recieved and i would know something in 45 days. Around the middle of XXXX i recieved a letter from DirectExpress stateing that my funds {$2000.00} would be put into my acount. They put {$1500.00} on XX/XX/XXXX or around then. After about a week anfd2 the other {$500.00} was not added i called and asked about the remaining fund. At first i was told that they were looking into it call back in 24hr but after a week of that i was told that they would not be sending iz to me because i did not file a report about missing funds. I told them i couldn't report it because i was in XXXX  and that i never knew the card was mailed to me to know it was taken. They said they would send me a report or somethomg but nothing ever came. Now i can't get anyone to tell me anything ot even talk to me. I try to asks for someone but they say thats all they can do. I need my money. They mailef the. Card activated it they gave out the funds

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Bank is reporting Lates on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX they are incorrect. I asked for verification, but they have not provided information and keep reporting it on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: NY

Complaint narrative:
I have been a victim of identity theft

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 2019-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: WA

Complaint narrative:
On XX/XX/XXXX, My husband and I filled out Loan Modification paperwork with Bayview Loan Servicing. Since then every month I have been asked to provide additional information. While some things made sense others such as explaining my pay stub seemed more like a delaying tactic. Since then I have been asked to resubmit the application several times, the most recent ones were XXXX of XXXX and then again on XX/XX/XXXX. They have also requested numerous appraisals and valuations at my expense. 

I have been assigned no less then 4 Asset Managers, some rotating before I even had a chance to make contact. Since I live on the west coast and the Asset Managers are in Florida, communication is very difficult. They can not call me before I start work and are gone by the time I get off. I have tried calling on my lunch break but the Asset Managers are never available. In addition, when the do call they are not able to leave detailed messages, just that they called and call them back. However, when you try you are put into a voice mail and your call is rarely returned. They also are not able to reply with details to email requests. It used to be that I could call customer service to schedule a phone appointment and they would sometimes call as scheduled. They now have an automated system and my most recent Asset Manager and his Supervisor do not have any appointments available every time I have tried. I have spent an hour on the phone each day for 6 business days trying to get in touch with someone who can give me information. I finally scheduled a phone appointment on XXXX to review the documents I sent on XXXX. He verified he had all the documents and schedule a follow up appointment XX/XX/XXXX which he missed. He called me XX/XX/XXXX and asked for information that was provided on XXXX. Once again I am told he will get back to me in 3-5 business days. He is stalling and using up valuable time. 

I have now been served with a Notice of Default and I do not have the time to keep playing this game. I want to keep my house but feel like Bayview Loan Servicing is not only not helping me do this but are actively putting up road blocks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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 been a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16 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: NY

Complaint narrative:
I have been a victim of identity theft

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 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX, my social security number is XXXX, my address is XXXX XXXX XXXX XXXX Oh XXXX. I requested a copy of my report and I am verifying my identity. Please remove any and all security freeze or blocks from my file!

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 2019-09-16 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Past due on mortgage payment, they suggested verbally and in writing a re-payment plan of four payments to catch up. Never explained verbally or in writing that the loan would have a negative affect on my credit and would show that it is past due for the period of four to five months. Phone calls an letters have been coming at me daily as if they are moving to the foreclosure process even when the re-payments are paid as scheduled. My credit has been damaged and I am now unable to be approved for bidding and payment bonds to support my XXXX XXXX income. They are reporting to credit companys as nationstar but I am paying to mr cooper, that was old lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
RE : Estate of XXXX XXXX XXXX, XXXX XXXX, Trustee XXXX XXXX passed away on XX/XX/2019. XXXX XXXX is her son, sole trustee and beneficiary of her trust. XXXX has checking and savings accounts at Bank of America that are held by the trust. 

Penny 's attorney is XXXX XXXX in XXXX, CA. He is a certified estate planning attorney in the state of California. Mr. XXXX advised XXXX NOT to obtain a TIN or EIN for the estate, as he is the sole trustee and beneficiary. Therefore, the trust would pass from XXXX XXXX SSN to XXXX XXXX SSN. Obtaining a new TIN or EIN would trigger a new tax filing and additional expense to the estate. 

Since XXXX XXXX death, XXXX has sold her home, transferred her XXXX XXXX account in his name and closed her account at the XXXX XXXX XXXX XXXX. All using his SSN and the trust documentation prepared by XXXX XXXX. 

Since XXXX XXXX death, Bank of America has been nothing short of a nightmare. They require that you set up an appointment at their branch to start the process. XXXX did that, only to be met by a brand new employee who was absolutely unprepared for the appointment. Two hours later at the branch ... painstakingly working through the process with the various employees, XXXX thought they had what was needed. 

The next day, he received an email telling him his case was closed because the corporate office didn't receive the documents from the branch and XXXX didn't provide proof that XXXX as XXXX ( why would you with a death? ). This was unbelievable. 

XXXX was then transferred to a couple other people who in turn told him that there was no exception to their policy - he MUST get a TIN and they could not or would not use his SSN. They suggested we ask our lawyer to write a letter to the bank, or call them ( at our expense ). 

We are not sure if this is malice or negligence at this point. We have a valid trust, with valid legal advice that has been put in practice with a national escrow company, a national investment firm and a credit union to conduct business through to completion on behalf of XXXX XXXX XXXX estate. 

XXXX has invested approximately 15-20 hours at this point with Bank of America. The funds need to be released 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 2019-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
I have a Delta Skymiles AMEX account. On XX/XX/XXXX I went to upgrade my Delta Skymiles Gold to a Delta Skymiles Platinum. AMEX sent the incorrect link and opened a AMEX platinum instead. When I received the wrong card in the mail, AMEX admitted their mistake, canceled the card, and removed the credit pull from the Credit Bureau Report. 

I went to apply for a AMEX platinum in XX/XX/XXXX and was told I couldnt receive any bonus offers since I had technically had the card before- despite the fact it was AMEXs error. I called again in XX/XX/XXXX and XX/XX/XXXX and was told they admitted the whole thing was their error but couldnt technically give me a bonus since it was a computer issue. On XX/XX/XXXX, I was told on the phone that a supervisor could manually audit my spending and give me a lesser bonus- but wouldnt give me any documentation that i was guaranteed to receive the points. Plus it was a lesser bonus than the 60,000 points for {$5000.00} spending. I messaged again on XXXX XX/XX/XXXX and was told again it was their fault but the customer service agent couldnt do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
Working with Loan Depot on a refinance since application on XX/XX/2019. Was told I could shop for title company of my choosing. On XX/XX/2019 I notified my loan officer that I would be using XXXX XXXX and provided the branch managers contact information. On XX/XX/2019 I was given a loan estimate showing their providers title fee estimate in section C, when I asked about why they didn't have the correct title fees, we had been provided a fee sheet from title some weeks earlier, I was told it was because they hadn't gotten everything back from Title yet. I found out on XX/XX/2019 through the title company ( XXXX XXXX ) that they in fact had never been contacted by Loan Depot until after business hours on XX/XX/2019. I was then issued a closing disclosure on XX/XX/2019 to find out not only are they not disclosing the title company of my choice, they had in fact ordered title from their chosen service provider and disclosed it in Section B as an item I can not shop for. Being an industry professional, I reached out to them and said this is an issue, it's a TRID violation and not only was I told I was wrong, I was given an untruthful account of TRID compliance and told that the lender could choose whichever title company they wish. Now because of this my closing will be pushed even further, because they never ordered title from the correct title company after it has already taken 45 days to get to closing on a simple refinance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is reporting Lates on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX they are incorrect. I asked for verification, but they have not provided information and keep reporting it on my credit reports.

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 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is reporting Lates on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX they are incorrect. I asked for verification, but they have not provided information and keep reporting it on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX is reporting XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX they are incorrect. I asked for verification, but they have not provided information and keep reporting it on my credit reports.

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 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was trying to get my free XXXX XXXX XXXX from transunion on friday XX/XX/XXXX and when i requested it they charged me {$21.00} two times on my credit card. I told them the issue they said that there was an accidental subscription request and that they would cancel the membership. However, when i looked today the pending {$21.00} actually got charged. I didnt buy any subscription and I dont want it.

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 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
On XXXX I got an alert from my XXXX XXXX XXXX that Equifax has once again added a FALSE statement to an account that is CLOSED. They added a remark to my XXXX account that says Consumer Disputes The Account Information when I HAVE NEVER DISPUTED THIS INFORMATION. 



The account is closed, it is in good standing but yet Equifax puts a derogatory statement on my account that is FALSE and MISLEADING! I am sick and tired of this happening as this is not the first time. They put it on, then remove it and not put it back on my account. 

I am demanding that EQUIFAX remove this immediately and stop putting this XXXX on my credit report. 

The rep said that a confirmation number. # XXXX and his name is XXXX operator ID XXXX XXXX and he said that he removed the dispute codes and statements but He is a liar.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: NC

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX HAS REPORTED LATES ON XX/XX/XXXX AND XX/XX/XXXX. I HAVE CONTACTED THEM TO PROVIDE PROOF OF THE INCORRECT INFORMATION, BUT THEY HAVE NOT RESPONDED AND CONTINUE THE INCORRECT REPORTING.

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 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX CREDIT HAS REPORTED LATES ON XX/XX/XXXX AND XX/XX/XXXX. I HAVE CONTACTED THEM TO PROVIDE PROOF OF THE INCORRECT INFORMATION, BUT THEY HAVE NOT RESPONDED AND CONTINUE THE INCORRECT REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX  XXXX CREDIT HAS REPORTED LATES ON XX/XX/XXXX AND XX/XX/XXXX. I HAVE CONTACTED THEM TO PROVIDE PROOF OF THE INCORRECT INFORMATION, BUT THEY HAVE NOT RESPONDED AND CONTINUE THE INCORRECT REPORTING.

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 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX, my social security number is XXXX, my address is XXXX XXXX XXXX XXXX Oh XXXX. I requested a copy of my report and I am verifying my identity. Please remove any and all security freeze or blocks from my file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX, my social security number is XXXX, my address is XXXX XXXX XXXX XXXX Oh XXXX. I requested a copy of my report and I am verifying my identity. Please remove any and all security freeze or blocks from my file!

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