vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SHM Holdings, LLC
State: PA

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I applied for a mortgage to refinance my existing mortgage with Strong Home Mortgage in early XXXX of 2021. That mortgage closed on XX/XX/XXXX with final documents delivered on XX/XX/XXXX and other previous dates. The clear understanding was there would be no escrow payments for taxes or insurance and I would paly those costs directly, as I have done for the past 10-2o years. Strong then sold that mortgage in XXXX to XXXX XXXX  XXXX. That reselling came as no surprise as Strong made it clear they would resell the mortgage. However, XXXX advises that I owe escrow payments and I have made it clear to XXXX that was not the " deal '' with Strong. I notified XXXX and Strong if the issue and the problem has not been resolved. In fact, XXXX just advised me today that I must make escrow payments including an immediate payment for taxes. I clearly feel this is an illegal modification of the agreement with Strong. I have attached various documents including : emails from Strong verifying that no escrow payments were to be collected ; recent emails with Strong and XXXX ; Closing Documents clearly showing that I am responsible for making all tax and insurance payments and that no escrow is owed to or to be collected by XXXX. I have told XXXX I will continue to make principal and interest payments as I did on the first mortgage payment on XX/XX/XXXX and will rely on cfpb to resolve the issue. Thank you Please see related complaint XXXX-XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: AZ

Complaint narrative:
Equifax Report dated XXXX is outdated : We no longer have a mortgage and it states we have one XXXX XXXX XXXXXXXX XXXX XXXXXXXX Reported Balance {$170000.00} Debt-to-Credit Ratio 94 % Balances on Revolving Accounts have been paid down and are not correct. 

XXXX XXXX XXXX Reported Balance {$4600.00} is incorrect XXXX XXXX XXXX Reported Balance {$4900.00} is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: FL

Complaint narrative:
Since XX/XX/2017, all bureaus to include Experian, XXXX, XXXX as well as XXXX, XXXX XXXX, XXXX, XXXX, and XXXX  XXXX  have been reporting on my reports that Public Record Bankrupty Chapter XXXX Discharge with reference number XXXX XXXX  was verified as accurate or provided info on such discharge by the US Bkpt Court, XXXX, Fl. 

I contacted the court and their response is attached. 

It is clear they do not report to you or any credit bureaus for that matter, therefore the original response verifying the item with the court was either an error or a lie. 

Either way, the reporting requirements do NOT comply with FCRA Section 611 ( 15 USC Section 1681 ) and the information must be deleted immediately.

You must delete this item and all related associated items within this public record from all credit files and I never want to see them appear again.

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 2021-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: NY

Complaint narrative:
Sometime between Monday XX/XX/21 and Wednesday XX/XX/21, I received a Chime Visa Debit Card that I did not request for an account that I did not open. I contacted Chime via email on Wednesday XX/XX/21 to let them know this and to request that they cancel the account. After a couple of automated responses and requests for more time, on XX/XX/21 Chime requested that I send them a copy of the debit card that I received. I complied with this request also on XX/XX/21. Later on XX/XX/21, Chime sent an additional email asking me to send them a copy of my " valid government-issued ID '' and the last 4 digits of my Social Security Number. I responded on XX/XX/21 that I am not comfortable providing them with this personal information over an unsecured email but they responded with another email on the same day insisting that I provide them with the additional personal information they requested. On XX/XX/21, I sent Chime another email declining to provide the personal information that they requested and told them that I would contact FTC/CFPB instead. Later on XX/XX/21, Chime responded that they would block the account to prevent unauthorized access and I responded on XX/XX/21 that I would like them to close the account and not re-open one in my name without first contacting me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have filed other complaints on Wells Fargo about a disagreement with reference to late payments. There response was they stood by there statements that I was late on several occasions. However, I received a written statement from them admitting that they were in error and they apologized. Their error caused me thousands in interest and other costs as I could have refinanced the mortgage and lowered my payments. I only have 10 years left on the mortgage and I would like to move on to another lending institution. However, I can not due to Wells Fargo stating I was late on payments which lowered my credit score. They are also attempting to escrow my taxes which I do not agree to. I have had the mortgage for nearly 21 years and taxes are current. There in no reason escrow the taxes and insurance and mortgage statement does not give them the authority to do so. Again, the account is nearly 21 years and I have always had Insurance. There was an insurance error on the policy relating to date of coverage ( XXXX XX/XX/2020 ) which is less than 30 days. I had coverage for this time period and I am waiting on a response from my insurance carrier. The policy I have costs around {$1300.00} - {$1400.00} per year ( less than {$120.00} per month ). The time period in question as stated above, Wells Farog charged me a premium of {$200.00}. As you can see, the unfair financial practices continue

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 2021-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
Out of nowhere this XXXX debts is added to my credit files from a collection company called Caine & Weiner. I tried calling them but they are stuck on their own beliefs without any proof of what a actually owe. Contacted them on XXXX, 2021, and again on XX/XX/2021 to no avail. I want this removed from my credit file ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midstate Collection Solutions, Inc.
State: IL

Complaint narrative:
Ive sent two letters to Midstste collection. One trying to verify the debt, and the other asking for method of verification. I havent received anything from them and its been about 90 days. I also added in the letter requesting to delete the misinformed info off my credit report immediately if verification such as a written signature isnt provided. Im trying to buy a house and my loan officer stated that this negative collection is brutally hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: FL

Complaint narrative:
Since XX/XX/2017, all bureaus to include XXXX, XXXX, Transunion as well as XXXX, XXXX XXXX, XXXX, XXXX, and XXXX  XXXX  have been reporting on my reports that Public Record Bankrupty Chapter XXXX Discharge with reference number XXXX XXXX  was verified as accurate or provided info on such discharge by the US Bkpt Court, XXXX, Fl. 

I contacted the court and their response is attached. 

It is clear they do not report to you or any credit bureaus for that matter, therefore the original response verifying the item with the court was either an error or a lie. 

Either way, the reporting requirements do NOT comply with FCRA Section 611 ( 15 USC Section 1681 ) and the information must be deleted immediately. 

You must delete this item and all related associated items within this public record from all credit files and I never want to see them appear again.

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 2021-07-18 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: FL

Complaint narrative:
Since XX/XX/2017, all bureaus to include XXXX, Equifax, XXXX  as well as XXXX, XXXX XXXX, XXXX, XXXX, and XXXX  XXXX  have been reporting on my reports that Public Record Bankrupty Chapter XXXX Discharge with reference number XXXX XXXX  was verified as accurate or provided info on such discharge by the US Bkpt Court, XXXX, Fl. 

I contacted the court and their response is attached. 

It is clear they do not report to you or any credit bureaus for that matter, therefore the original response verifying the item with the court was either an error or a lie. 
Either way, the reporting requirements do NOT comply with FCRA Section 611 ( 15 USC Section 1681 ) and the information must be deleted immediately. 

You must delete this item and all related associated items within this public record from all credit files and I never want to see them appear again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: Nelnet, Inc.
State: NC

Complaint narrative:
When applying for a credit card XX/XX/XXXX, my application was denied. XXXX revealed XXXX student loan accounts opened with my name as a co-signer by my father XXXX XXXX. The debts amount to {$340000.00}, all dating back collectively to XXXX. I never authorized permission for my information to be used for any of these student loan accounts. Since XXXX, I have never received any phone calls/mail invoice regarding these accounts. 

I have managed to clear these fraudulent records from my XXXX and XXXX reports. However, NELNET continues to report these accounts as accurate to XXXX I have contacted NELNET, received their identity theft forms, and returned their requested notarized documentation late XXXX. I have not received any confirmation the requested documents were ever received during subsequent phone call correspondence. 

SPECIFIC ISSUES : My SSN does not bring up the fraudulent accounts with NELNET. I could only utilize my fathers information to reveal the accounts when on the phone with NELNET. 
XXXX  website issues preventing convenient access to dispute status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
An unauthorized transaction was made on XX/XX/XXXX for {$1500.00} on one of our debit cards even though the card has never been lost or stolen. Regions refused to refund the transaction that was within 60 days of reporting because there were similar fraudulent charges that dated back to XXXX. The fraudulent charge in question was an XXXX charge, which is the most common retailer that we normally use so we didnt notice someone had our debit information because there was never a point where the card was lost or stolen. Someone has been using our card info to make small $ XXXX purchases at random times, so we didnt notice until a large purchase was made. Regions refused to follow the Electronic Funds Transfer Act because the first fraudulent charge was made over 60 days ago even though we are only disputing the larger {$1500.00} charge made less than 60 days ago. Their reasoning makes no sense because someone could easily make a {$5.00} purchase using someone elses information, wait the 60 days, then make a {$5000.00} purchase. The Act is written per transaction for that very reason. Regions is breaking the law by not following it because we didnt notice small charges on our account from a retailer that we always use.

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 2021-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I filed a complaint # XXXX as XXXX has stopped computing and publishing my FICO score to lenders since XX/XX/XXXX. As already described, I have since suffered various adverse responses due to this failure to compute and to publish my FICO scores for 7 months now. After investigating with HSBC US NA Bank, where I do have a Premier XXXX account since XX/XX/XXXX with ( statement attached ) XXXX past due since 6 years, we have got a letter dated XX/XX/XXXX ( attached ) from HSBC US bank certifying that they do properly report to XXXX all my financial payments. In addition, I can see some of my financial data appearing within my online XXXX account ( scree capture of today attached ) where the year XXXX and XXXX are fully missing. This is the proof that XXXX  knows about my account at HSBC US but do not investigate on the failure cause and resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Everything that I have attached has been sent to JPMORGAN CHASE & CO. signed and notarized.

- 15 USC 1692b ( 5 ) the symbol in the top left give me anxiety because I know its from a debt collector by the logo. JPMORGAN CHASE & Co has never given me cure or relief so why would I associate this symbol with anything other than debt collection. All communications received on XX/XX/XXXX at XXXX relates to the collection of a debt for account number ( s ) ending in XXXX, XXXX and XXXX. 
- 15 USC 1692c ( c ) I the consumer, a natural person and original creditor submitted a cease and desist of illegal activity, including any communication unrelated to JPMORGAN CHASE & COs termination of further efforts to collect, notification of specified remedies which are ordinarily invoked and, to notify a consumer of a specified remedy they intend to take. Please see attached exhibit XXXXXX of proof that further communication took place. Also, an Affidavit is meant to be responded to with an affidavit in opposition.

- 15 USC 1692d ( 1 ) ( 2 ) to suggest that an attorney denies representing me a natural person and consumer, is an oppressive statement to which I deem obscene and damaging to my reputation. 
- 15 U.S. Code 1611 ( 3 ) if an organization fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. No further communication shall occur once a cease and desist is in place and that was violated because communication that followed, spoke on topics that did not pertain to termination of further efforts to collect, notification of specified remedies which are ordinarily invoked and, to notify a consumer of a specified remedy they intend to take.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On XX/XX/XXXX, I applied to XXXX XXXX / XXXX XXXX for a VA Loan. At the time, I had a temporary freeze on my XXXX and XXXX reports, but not on TransUnion. When they pulled the report, they were unable to access all three bureaus because of the temporary freeze. That day, I temporarily lifted the freeze on both XXXX and XXXX thru XX/XX/XXXX and confirmed that there was no freeze on TransUnion. XXXXXXXX XXXX tried to pull my credit report the next day ( because they said they have to wait 24 hours ) and were only able to pull XXXX. At the same time, XXXXXXXX XXXX, XXXX XXXX XXXX, and XXXX XXXXk were able to access all three reports. On XX/XX/XXXX, I permanently removed the freeze at XXXX  and XXXX, before my temporary lift expired, and again confirmed that there was no freeze at TransUnion. I asked XXXX Loans again to pull my reports. They continually say they can only pull XXXX. On XX/XX/XXXX I asked them to have their Technology team make sure there wasn't an issue in their system preventing them from pulling the other two bureaus. On XX/XX/XXXX, they responded that their Technology team has verified that there is no problem with their system. As recently as today, XX/XX/XXXX, they say then can not pull the other two bureaus. On XX/XX/XXXX I called XXXX, who confirmed for me that my personal data is correct and that there is no freeze or block of any kind on my report. They stated that if XXXX XXXX is entering my name in a manner differently from what they have on file, that could be the problem. I have been unable to reach anyone at TransUnion or at XXXX XXXX to check the same info on my TransUnion report. I am currently being denied credit by XXXXXXXX XXXX on the sole basis on the one bureau they can pull, XXXX, where my score for mortgage is showing as XXXX. XXXX XXXX says their threshold for approval is XXXX. Three of the lenders who have successfully pulled all three bureaus have confirmed that my median score is the TransUnion score that XXXX can not access, at XXXX. Meaning my XXXX  score is also higher. Because XXXX LXXXX  can not access two of the three bureaus, I am being wrongly denied credit that they have acknowledged I would qualify for based on my median score exceeding their threshold. XXXXXXXX XXXX has told me that because they have tried to pull three different times and only come up with the one score, they can not try to pull my full tri-merge report again.

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 2021-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have to dispute the whole united charge of {$370.00} because i did not receive service for returning flight and departure flight was delayed for 7 hours so i did initially dispute half of {$370.00} because i was told by united that i will be refunded that amount because of flight delay of ridiculous 7 hours. 
So I did dispute that much because i was expecting return flight to be serviced but i was wrong they did cancel me from that flight and they told to me that i was refunded for full amount of {$370.00} but they did not refund me so that is why i have to dispute whole charge of {$370.00}, So after they cancel me from flight i did buy new ticket for return flight and i did pay {$210.00}. 
So please refund me {$370.00} because United is rude and they did not refund me as they promised.

Company response to consumer: Closed with explanation