vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-28 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: MD

Complaint narrative:
I recently obtained copy of my credit report and noticed unauthorized accounts reporting on 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 explanation
Consumer complaint received 2020-12-28 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: FC HoldCo LLC
State: WA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, FLAGSHIP CREDIT ACCEPTAN add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XX/XX/2020 I reached out to Wells Fargo regarding a escrow issue that occurred on my account. The issue was explained to me and I advised them that I worry that due to the fact that my husband may lose his job I may be struggling to make payments on time. I was advised to not worry as they had late payment forgiveness at the time but to look online into options for payment deferment. That put me at ease at first. Come XXXX my husband indeed lost his job and we struggled for a little while. I knew I would be late on few of the payments but did not worry too much as there was hope that turned out true that he would find another source of income. Secondly I was not too alarmed as I was told that there is late payment forgiveness by the Wells Fargo representative who handled my call regarding the escrow issue. Lucky we were able to work hard and not have to apply for the deferment. In XX/XX/2020 I check my credit score and find out that they reported 4 late payments to the credit bureau for the months of XXXX - XX/XX/2020. During this time we never received a clear notice that the payment forgiveness period has expired nor did the representative make me aware that if I do not apply for the forbearance program that it will negatively impact me. I am certain that I called Wells Fargo again in XXXX to make them aware of my hardship but they claim that they do not have an inquiry, although I still have notes from that call. In XXXX and XXXX I paid the outstanding balances in two lump sums. I have a excellent payment history with all my creditors for at least the last decade. In XXXX I reached out to the Wells Fargo executive office and opened a claim as well as explained the situation and asked for removal of the late payments due to the confusion of late payment forgiveness during the Covid pandemic of 2020. For about a week I did not hear back from them and when I called back I was told that the case closed that someone from their 800 number tried to call me but they did not leave a voicemail or a call back number. The case was reopened by a sympathetic rep who although tried to understand my situation and frustration at the end told me that since they can not locate my call ( although per her sharing with me that not all calls are recorded XXXX there was nothing she could do god me. I insisted that another case be opened because I have notes from that call and what I was told. I am reaching as I need help resolving and having my late payments removed from my credit reporting. I did reach out to Wells Fargo in XXXX and XXXX about my potential hardship and feel that I did not get clear instructions on what I need to do to avoid late payments being reported. In addition I was put at easy by being told that there is a late payment forgiveness program for COVID19.

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 2020-12-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
inquiries i did not authorize. 

Experian Business Credit XXXX XXXX XXXX XXXX XXXX, CA XXXX This company checked my credit five times, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I did not authorize this. If I use Experian to check my credit on a normal basis, they never report it as a hard inquiry. 

NOT FAIR

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 2020-12-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I took out private student loans with Navient while I was attending XXXX XXXX. These loans were obtained under a blanket of lies that were told to me about XXXX XXXX and Navient. I was promised assistance in finding a job after graduation. I was promised fair interest rates comparable to my federal loans and cosigner release. I made my payments on time for years and was never offered cosigner release. My interest rates are well above any of my federal loans. Furthermore, Navient calls at least 8-10 times per day after I've asked them to stop contacting me as I try to get my loans canceled and they continue to call me all the time. They have gotten me in trouble at work, sometimes calling 3 or 4 times in a row. These loans were obtained through fraudulent practices from XXXX and they should be canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My PPP was disbursed into my bank account XX/XX/XXXXOn XX/XX/2020 my business bank account & savings account was put on hold by Bank of America . After 13 phone calls, which included the response " sorry we have no information, an investigator will get in contact with you, and nobody did. I was told by Bank of America to send in all documentation to prove accuracy of our business PPP loan. Complete packet was mailed in and received by BOA XXXX XXXX. The account was reopened XX/XX/XXXX and then put on hold again XXXX XXXX. On XX/XX/XXXX the entire funds from checking ( {$46000.00} ) was sent to Legal Order LTS XXXX. I have called 10 times since XX/XX/XXXX and am receiving the same response with no resolution. My business is holding on by a thread because BOA has my funds and PPP funds held with no response, resolution or action. We will be retaining legal counsel immediately as this is highly illegal and the funds disbursed to us by the SBA to help keep our business afloat have been left on hold status on and off since XX/XX/XXXX. 

A fair resolution is for Bank of America to give me my money back by closing the account and issuing a cashiers check for the checking and savings funds that are currently being held. IN A NUTSHELL GIVE ME MY FUNDS BACK!!!! 

See attached copy of XXXX, XXXX & XXXX Statement showing the SBA PPP funds being deposited into the account & then removed and held by BOA.

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 2020-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MN

Complaint narrative:
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX DOB XXXX SS XXXX I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided in XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I am sure that someone in the XXXX area is using my ID and Personal Identifiers to open up accounts in my name. I lost my ID over a year ago. I pulled my credit report and discovered several accounts that I do not recognize. I am trying to protect the integrity of my credit profile as much as I can. Please update my correct address : XXXX XXXX XXXX XXXX FL XXXX is my only address. Please delete any other addresses. 
The following accounts are fraudulent : XXXX XXXX XXXX #  XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX. XXXX, XXXX # XXXX, XXXX XXXX # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Complaint Against Wells Fargo Regarding COVID19 Debt Relief : I applied for and was approved for a 90 day payment suspension from XXXX - XX/XX/XXXX. Payments were scheduled to resume in XX/XX/XXXX. During a conversation with a Wells Fargo representative in XXXX regarding returning to repayment status, we discussed other debt relief options. I indicated that I was not interested in any " additional '' options, but wanted to return to repayment status. Wells Fargo canceled my original 90 day payment suspension from XXXX to XX/XX/XXXX, IN ERROR and this issue has remained opened since that XXXX. I have had multiple conversations with Wells Fargo and the only explanation that I received is a response is pending from my mortgage investor XXXX XXXX on loan modification. I've repeatedly indicated that I am only requesting Wells Fargo to honor the 90 day payment suspension from XXXX - XXXX and to allow me to defer the suspended payments to the end of my loan term. 

I filed a complaint with the OCC in XXXX. I received a response from Wells Fargo on XX/XX/XXXX indicating that a response from investor was expected in 6 to 8 weeks. However, it has been 10 weeks and I still have not received a response from Wells Fargo. My account is currently showing passed due due for 90 days. I have made the following payments, despite Wells Fargo recommendations not to make a payment until a response from investor is received. 

XX/XX/XXXX - {$6500.00} XXXX ( Two months - XXXX and XXXX ) XX/XX/XXXX - {$12000.00} ( Four Months - XXXX, XXXX, XXXX and XXXX ) - Saved mortgage payments waiting for payment suspension issue to be resolved. 

This significant delay in response has caused financial harm to my family. We have bene unable to refinance our mortgage and have been in a holding pattern waiting on a response. I have never been late on my mortgage payment prior to COVID19. I have always paid as agreed. I am concerned about my credit score and loss mitigation/foreclosure processes due to the Bank 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 2020-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX DOB XXXX SS XXXX I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided in XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I am sure that someone in the XXXX area is using my ID and Personal Identifiers to open up accounts in my name. I lost my ID over a year ago. I pulled my credit report and discovered several accounts that I do not recognize. I am trying to protect the integrity of my credit profile as much as I can. Please update my correct address : XXXX XXXX XXXX XXXX FL XXXX is my only address. Please delete any other addresses. 
The following accounts are fraudulent : XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX. XXXX, XXXX # XXXX, XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX DOB XXXX SS XXXX I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided in XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I am sure that someone in the XXXX area is using my ID and Personal Identifiers to open up accounts in my name. I lost my ID over a year ago. I pulled my credit report and discovered several accounts that I do not recognize. I am trying to protect the integrity of my credit profile as much as I can. Please update my correct address : XXXX XXXX XXXX XXXX FL XXXX is my only address. Please delete any other addresses. 
The following accounts are fraudulent : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX. XXXX, XXXX # XXXX, XXXX XXXX # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have submitted address correction information to both Experian and XXXX. They put the current address on my report but refused to delete the incorrect address information. They instead has it listed as a previous address, one of which on the Experian report, is a incorrect address. I have sent several letters and they have been ignored. Please help me get this issue corrected.

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 2020-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: FL

Complaint narrative:
I filed a consumer complaint against this company XX/XX/2020 on XX/XX/2020 this company responded by adding another fraudulent and incorrect account on my credit reports for the amount of {$660.00}. The account number begins with XXXX. They still have not provided any identifiable documentation that the 5 accounts they are reporting to my credit reports are mine. I have tried to get this company to validate these debts to me but they have not the documentation I received was a bill that showed no proof this is my debt. They retaliated against by not responding to consumer finance request properly. But within 4 days of filing the consumer finance request against this company they added another item to my credit report dropping my credit score. These items need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: Self Financial Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: CBC Companies, Inc.
State: CA

Complaint narrative:
Factual Data a mortgage reporter made an inquiry on my credit report. i did not authorize this inquiry. please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
I DIDNT AUTHORZE THESE FOUR INQUIRIES FROM LOANPAL. RIDICULOUS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: TN

Complaint narrative:
I have submitted address correction information to both XXXX  and Equifax. They put the current address on my report but refused to delete the incorrect address information. They instead has it listed as a previous address, one of which on the XXXX report, is a incorrect address. I have sent several letters and they have been ignored. Please help me get this issue corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
At the end of XXXX, I decided to move forward with my mortgage refinancing. HSBC advised on the phone that closing costs would be around USDXXXX. On XX/XX/XXXX I received a letter from HSBC estimating the closing costs to USDXXXX. 

Ahead of the closing process, I had told HSBC that I will be on vacation a week before the closing date. Closing occured in Mon XX/XX/XXXX and I received the closing costs details on Friday XX/XX/XXXX from HSBC lawyers. The process was hectic but realised that closing costs had jumped by almost USDXXXX which is not a small amount of money. 

I took a closer look at the closing costs and noted an increase in USDXXXX in origination costs and additional fees that were not mentioned in the estimation dated XX/XX/XXXX such as : Title - XXXX XXXX to XXXX XXXX XXXX XXXX {$60.00} Title - XXXX Fee to XXXX {$55.00} Payoff Attorney to XXXX XXXX XXXX XXXX & {$650.00} I called HSBC and a person explained to me that the originator fee had increased because of the higher XXXX ( market value had decreased ). I had not been made aware of that and the HSBC agent who was in touch with me did not bring this to my attention which is disappointing. 

The HSBC agent was on vacation during closing week, which I just discovered when sending her an email to get explanation on Closing Date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have sent several letters of dispute to the credit reporting agency. In each letter Ive asked the agency to investigate the account and to send me whatever documentation along with any information showing who they verified the account with. I never received anything. They just sent me a credit report stating that I, the consumer disputes the account. Obviously no investigation was done. 
The account listed is XXXX credit card. I have never had a credit card with XXXX and I would like it removed. 
I also sent a letter to the creditor and got no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation