vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-15 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: NY

Complaint narrative:
I am writing to dispute and request that you re-investigate and correct inaccurate information that is contained on my credit report. 
This information is false and inaccurate. I value my good credit. This inaccuracy may impair my ability to obtain credit and may affect my ability to get another job. 
I demand that this inaccurate information be removed from my credit report and that you delete and suppress it immediately.Additionally, please send copies of answer to this request for re-investigation and the proper corporate name of any individual or corporation who reported this erroneous information on my credit report. 
If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit in [ name of your county, state ] for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. 
XXXX - XXXX XXXX  XXXX XXXX  - XXXX XXXX  XXXX XXXX  - XXXX XXXX - XXXX PLEASE DELETE THESE ACCOUNTS FROM MY CREDIT REPORT.

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 2020-04-15 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: Continental Finance Company, LLC
State: OH

Complaint narrative:
I received a call today from a company that did not identify itself when calling. They suggested I have a debt owed to them for a credit card. The person was rude, threatened damage to my credit and threatened daily harassment.

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 2020-04-15 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: MO

Complaint narrative:
I've reported these fraudulent accounts with the proper channels, now im re directing it back to the credit reporting agencies with a demand to remove and block the following unauthorized and unknown accounts. Please remove these accounts immediately. 

1 ) XXXX  XXXX XXXX  XXXX XXXX 2 ) XXXX XXXX XXXX {$610.00} 3 ) XXXX  XXXX  XXXX {$68.00}

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 2020-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
With Covid 19 my mortgage company Mr. Cooper is string up its clients to fail. Instead of adding deferred payments to the end of the loan, they are requiring full payment at the end of the 3 month extension. This will allow them to foreclose on multiple homes which is unreasonable for most borrowers who opt in to this. I am not working, but I will not be doing this with my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this due to non-compliance with the CRA ( Equifax ). They have failed to provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they failed to provide the method of verification as required under Section 611 ( a ) ( 7 ), which includes, but not limited to the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when they initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. The company came back and said that the accounts are accurate but have not produced any documents. I wrote them, along with a copy of my credit report outlining the inaccurate information. The only thing they did was send me another consumer report with the same information as before. I don't believe that they did a proper investigation in this matter. These were some blatant inaccuracies and violations on my credit report per FCRA. My confirmation # is XXXX Note : This is my second complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: MO

Complaint narrative:
I've reported these fraudulent accounts with the proper channels, now im re directing it back to the credit reporting agencies with a demand to remove and block the following unauthorized and unknown accounts. Please remove these accounts immediately. 

1 ) XXXX  XXXX XXXX  XXXX XXXX 2 ) XXXX XXXX XXXX {$610.00} 3 ) XXXX  XXXX  XXXX {$68.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
There's 29 unauthorized and unknown inquiries reporting on my Transunion credit file, inquires not authorized by me, so that makes these inquires fraudulent therefore I'm demanding that these inquiries be removed 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 2020-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute and request that you re-investigate and correct inaccurate information that is contained on my credit report. 
This information is false and inaccurate. I value my good credit. This inaccuracy may impair my ability to obtain credit and may affect my ability to get another job. 
I demand that this inaccurate information be removed from my credit report and that you delete and suppress it immediately.Additionally, please send copies of answer to this request for re-investigation and the proper corporate name of any individual or corporation who reported this erroneous information on my credit report. 
If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit in [ name of your county, state ] for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. 
XXXX - XXXX XXXX  XXXX XXXX  - XXXX XXXX  XXXX XXXX  - XXXX XXXX - XXXX PLEASE DELETE THESE ACCOUNTS FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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:
I am writing to dispute and request that you re-investigate and correct inaccurate information that is contained on my credit report. 
This information is false and inaccurate. I value my good credit. This inaccuracy may impair my ability to obtain credit and may affect my ability to get another job. 
I demand that this inaccurate information be removed from my credit report and that you delete and suppress it immediately.Additionally, please send copies of answer to this request for re-investigation and the proper corporate name of any individual or corporation who reported this erroneous information on my credit report. 
If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit in [ name of your county, state ] for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. 
XXXX - XXXX XXXX  XXXX XXXX  - XXXX XXXX  XXXX XXXX  - XXXX XXXX - XXXX PLEASE DELETE THESE ACCOUNTS FROM MY CREDIT REPORT.

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 2020-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
The Navy Federal credit Union entered into am extortion conspiracy with the XXXX police, and president trump who is paying the off the XXXXPD to stalk me aNd my daughters and help him steal all my money. The fbi recently put in my account XXXX XXXX only to be immediately stolen by Trump.. this credit union also has the XXXX police stealing half my social security money monthly and there is no court order that's legal to do so. They're calling it child support but it's not. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX il vacated all child support m XXXX. This was started by a nonlicensed attorney for bribes In XXXX and former XXXX county states attorney XXXX XXXX. He was in jail per fbi but I believe yrump pardoned him because trp loved criminals. Every bank I go to does the de for bribes. Account noXXXX, rting no. XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Consumer Portfolio Services, Inc.
State: CO

Complaint narrative:
So my XXXX year old wanted to get some air, we let him go in our front yard, thinking no one would dare come within 6 feet of him during a pandemic. However, XXXX XXXX XXXX sent a man to my home to deliver a collection letter and HANDED IT DIRECTLY TO MY XXXX YEAR OLD CHILD, risking the health of my family!!!! Most likely because we have a cease and desist on the phones due to all the dialer calls. Couldn't he just have posted it on the door, or walked to the garage door to tape it up?!?! My XXXX year old asthmatic grandmother lives here. CPS couldn't even wait for stimulus checks to drop before risking the health of my family, also our balance is now XXXX since the stimulus check came today. I am going to do everything I can to get our car loan out of their hands. As a former XXXX XXXX, I can fully accept standard debt collection practices under normal circumstances, but not in the middle of a pandemic!!! That is so risky and I hope they have not infected other households!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
We have been hearing rumors that Capital One is closing in our area. Since we are very unhappy with the level of customer service they provide, we have recently opened an account with a local bank ; however, this takes time due to direct deposits and drafts. My Social Security check is issued the third Wednesday of the month ( today ). I call the bank on on the morning of the deposit to make sure it is record it accurately. This morning I called the automated system and was electronically told I can not access my account information. Can they do that? Withhold that information from me? What about my money? I need to pay my bills today and I have been on hold for half an hour trying to speak to someone. I called FDIC and they said to contact you. Please help me. This situation is stressful enough for old people without Capital One trying to steal our money. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
SunTrust mortgage also known as Truist is taking advantage of their mortgage holders during this time. Covid-19 has devastated us during this time. I have called their help line for weeks now with no answer. I have been on hold for a minimum of 4 hours each time. And sometimes it just hangs up on me after holding that long. I went online and the only help they will offer is 3 months forbearance. And you have to pay all 3 months back plus your 4th payment to come current. How is that help at all? People are going to lose their homes because they refuse to defer the 3 payments to the end of the loan. They need to be investigated.

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 2020-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I contacted Equifax over the phone about a unauthorized hard inquiry that was made by XXXX XXXX XXXX on my Equifax credit account in XXXX of 2019. I needed assistance in investigating this manner and told the agent that I would like to submit a dispute and the agent denied me my right to submit the request for investigation. 
He gave me the go around when I told him I did not have an account with XXXX XXXX XXXX and that I live in a totally different state then where the unauthorized inquiry came from and when I did some searching of that branch from that address they had been shut down for creating fake accounts. They attempted doing this with my information thus the hard inquiry occured. Given this information the agent still insisted on not helping me with this stressful situation. I asked him for a confirmation number for the dispute to investigate and was denied because he simply would not which is infringing on my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation
State: AZ

Complaint narrative:
On XX/XX/15 I called Home Point Financial ( my mortgage servicing company ). I inquired about a deferral where my mortgage payments could be added to the back of the loan. The individuals ID I spoke with was XXXX. She said they could offer forbearance with a lump sum due at the end of the period. She said Home Point Financial is not allowed to offer deferrals as it " alters the terms of the loan '' and is against the law. I am an XXXX  XXXX and my hours have already been cut significantly and I anticipate my hours to be cut more or even reduced to XXXX due to the COVID19 impact on the client I work for. In addition, since I bill under an XXXX I can not collect unemployment. My loan is a VA loan and as I understand it, mortgage payment deferral should be an option for me. Please help. I am willing to provide whatever information you need to assist. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, a request for a subordination agreement was placed to Shellpoint Mortgage. As of today, there has been no updates provided after numerous emails and phone calls made. This subordination agreement is VITAL to being able to refinance a mortgage and the rate lock is going to expire by XX/XX/XXXX. NUMEROUS phone calls and emails have been sent to the subordination department at Shellpoint and no one has been able to provide an update. I have attempted to contact XXXX XXXX who is the subordination agent and there has been no call backs or returned emails.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Deceased business owner XXXX XXXX XXXX, XXXX XXXX XXXX. Owner and co owner of nationstar mortgage company aka XXXX XXXX XXXX  today partner ship .has faled too give me a copy of the operational agreement attached too the company 's articles, XXXX  XXXX XXXX XXXX name change nationstar XXXX XXXX XXXX address on file .is XXXX XXXX XXXX XXXX ga XXXX, XXXX XXXX XXXX XXXX ga XXXX, XXXX XXXX  XXXX XXXX XXXX ga XXXX. I am give nationstar a official notices, to give me a copy of all legal paper work too this company as the beneficiary 3rd party. Me mr XXXX XXXX, and XXXX XXXX, too what yall are doing with my money. Weather it a last will testament attached too this company from XXXX XXXX XXXX, or a operational agreement, or trust deed or testimony deed attached too the company articles of incorp, i need a copy of the hold file. For my records as the owner beneficiary heir. XXXX XXXX as well .all the address in this text and business name states XXXX XXXX as the old owner, need a copy of the paper work state new owner. And a copy of XXXX XXXX too what yall are doing with the money. I am a beneficiary too this businesses estate. Yall have fail too give me such paper .i serve yall this notice today. If yall do not reply. Yall will be liable for all cost this issue will accure. ... .from court and lawyer fee. I am already suffering from yall misconduct from not give me such information. Please stop the miscommunications with this from me .... XXXX XXXX XXXX XXXX ga, ... ..contact me at my address onfile XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX .or call me XXXX .XXXX XXXX deceased ss number is XXXX XXXX XXXX .or XXXX XXXX XXXX .deceased businesses ownership. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX of XXXX XXXX la.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
My Mortgage was with XXXX and was sold to Shellpoint Mortgage XX/XX/2020. I have not been able to make a payment online nor have I been able to reach anyone by phone. When you call they transfer you several times to several different numbers and you never get an answer. No statements have been mailed to me to make a payment through the mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: MS

Complaint narrative:
Refinanced my home on XXXX XX/XX/2020 at XXXX. Upon closing it was agreed by XXXX that I did not have to pay until XXXX XXXX. I have an written email from him stating so. At closing, on my paperworks, it was stated that my first payment was XXXX XX/XX/2020. Then on XXXX XXXX, XXXX XXXX did not remove my automatic payment schedule. Taking {$1100.00} from my accoutn. After look at my bank statement, I quickly claeed freedom numerous of times to ask for a reversal. They have given me a run around since XXXX XXXX after I gave them proof with Bank Statement showing the payment cleared. I called again on XX/XX/XXXX and representative asked for my routing and accoutn number to have the payment reversed but it its been days since then. If any monies are taken from account illegally, I will go to court with this. As of XXXX XXXX, I still havent seen my payment but the company decided to place the payment from my old closed accoutn to my new account. Then contineu to charge me proprety taxes after I had given them VA and Tax Collector paperwork showing me as XXXX XXXX XXXX and tax exempt. I sent this in XX/XX/2020. Finally instead of sending my escrow refund back to me, they decided to move MY money to another account. From my closed account where it sat suspended to my new account. After i informed them of the draft and sent paperworks ( bankstatement showing cleared ). I called again on XX/XX/XXXX and still no assistance.

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 2020-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Good morning My name is XXXX XXXX XXXX on XX/XX/2020 XXXX I called Wells Fargo to report a lost or stolen debit card and disputed a unauthorized charges with debit card of mouth XXXX was on that time the unauthorized charge was pending Wells Fargo saying going to call XXXX XXXX to canceled the charge On XX/XX/2020 Wells Fargo send a latter says I did the charger was ma make by me because the use my name explaining the charge was done on XXXX XXXX   online and I did a police report because I did not make any purchases online or person and the card was lost or stolen.

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