vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
I have diligently attempted to work with customer service and the Escrow Department since XXXX of 2023, in an attempt to remedy predatory lending practices that have burdened me with a high monthly mortgage payment. Due to customer service failing to rectify my loan discrepancies I have suffered a financial hardship and loss of great credit standing with XXXX, XXXX, and XXXX. Specifically, Carrington Mortgage is reporting my loan payment to all three credit bureaus inaccurately in the amount of XXXX XXXX XXXX XXXX XXXX Dollars ( {$2500.00} ) ; my actual monthly loan amount is XXXX XXXX, Twenty-Eight Dollars and Ten Cents ( {$1000.00} ) ; see Fixed Rate mortgage note attached. Additionally, customer service has failed to update my file to reflect my tax exemption status and remove my account out of an escrow status, whereas my property insurance is directly paid by me and is in a current status. Therefore, I am requesting the following remedies for my pain and suffering : ( 1 ). Carrington Mortgage contact all three credit bureaus and report my monthly payment accurately in the amount of ( {$1.00}, 028.10 ) ; and ( 2 ) Carrington Mortgage contact all three credit bureaus and remove all negative delinquencies and update my account as paid on time ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My loan was recently Sold from XXXX XXXX to Shellpoint/New Rez loan servicing company. Sale date was XX/XX/2023. My forbearance plan was set to expire XX/XX/2023 with XXXX XXXX without an extension. However I attempted to request an extension with XXXX XXXX loss mitigation department prior to the transfer of the loan. Due to the incompetence of their customer service rep I was told to call in again after XX/XX/2023 to request an extension. Exactly on XX/XX/2023 I called XXXX XXXX they informed me my loan was sold to Shellpoint/New Rez. Up until the date of XX/XX/2023 XXXX XXXX did not XXXX according to XXXX XXXX XXXX guideline with me regarding the ending of the forbearance. 

At this moment my extension for my disaster forbearance is unresolved and is marked as " expired '' at the time it was sold to my new servicer. Shellpoint/new rez as of this date has not responded with a resolution this issue, Or even attempted XXXX according to XXXX XXXX  Servicing guideline for any workout solution. They are putting me in a normal delinquent status with no regard to my previous forbearance plan. 
As of today Im only XXXX months into my Disaster Forbearance Delinquency I still allowed complete up to 12 months. My current inability to extend my disaster forbearance of my loan is due to incompetence of my previous servicer and inaction taken by my current servicer.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: NV

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 2023-08-22 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: NV

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 2023-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
XXXX paid {$78000.00} for flood claim from XX/XX/2023. The Check was cashed by XXXX XXXX mortage company. on XX/XX/XXXX my mortgage was sold to NewRez. NewRez notified me they do not have the funds. I called XXXX and they sent me copy of cashed check. Check was cashed by XXXX XXXX. I got rep from XXXX XXXX on a XXXX way recorded line with rep of New Rez and then miraculously the money was there. NewRez received the funds XX/XX/2023 XXXX said he would have a check overnighted on Friday XX/XX/XXXX. Called XXXX  just to make sure and XXXX confirmed. No check arrived. Called NewRez XXXX morning and they said they don't have the funds. I have made a call many times each call over an hour long. They won't let you talk to a manager nor give you a number to their corporate office which they keep referring to. My last call today was almost a full XXXX hours and the same lies back and forth. we are old and sick and just want to repair our house and get home.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my consumer report I noticed incorrect personal information and unauthorized inquiries. the incorrect information and unauthorized inquiries will be listed below. I also attached my FTC report along with my identification. 
incorrect personal information Name XXXX XXXX correct name XXXX XXXX XXXX XXXX addresses XXXX XXXX XXXX AV XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-22 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: NC

Complaint narrative:
i am applying for a mortgage and equifax refuses to remove the fraud alert from my credit report. i have called multiple times to get this fixed and this is still on there

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: IL

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-08-22 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: IL

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-08-22 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: UPGRADE, INC.
State: TX

Complaint narrative:
I had a family emergency and was out of the country ( my mother was diagnosed with XXXX XXXX ). When I returned to the XXXX, I realized the payments were not deducted from my bank account. I contacted Upgrade on XX/XX/XXXX, sent XXXX # XXXX {$11000.00} from the wrong checking account by accident, and set up a payment plan of {$280.00} each month. The rep told me the account was in the process of being sent to charge off. I asked her to please get in touch with the department handling this and let them know I was sending a large sum payment ( {$11000.00} ) and set up a payment plan in good faith to please do whatever it takes to stop it. I called them again about XX/XX/XXXX when the check didn't clear my account and asked them to resubmit it because I had transferred the money. I was told the check went through, but I knew it was a LIE since the money was still in the checking account. I sent another check on XX/XX/XXXX, Ck # XXXX, for the same amount ( {$11000.00} ), which was finally applied to my account. 

1. Upgrade sent my account to charge off, even though I made a large sump payment that covered the months of missing payments and beyond 2. Upgrade is being paid the amount I owe in GOOD FAITH 3. Upgrade has damaged my credit 4. This will be reported as INCOME to the IRS, which I have NOT RECEIVED, as I am paying this loan and keeping up with the monthly payment. I send a little more when I can 5. Upgrade has not updated my payments on the account since XX/XX/XXXX and refuses to work with me on removing this charge off Upgrade is acting maliciously ; I am doing my best to ensure this account stays current, but their negligence and wrongful reporting to the credit agencies which is harming my credit. Upgrade wants to report an illegal loss on their finances with my account being charged off AND getting the loan amount paid off on time! This is double dipping into the tax pod and on their earnings, and they are breaking the law by doing this!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Synchrony sent me an offer for a Mastercard with {$100.00} cash back offer if {$1000.00} was spent in first 3 months. I applied for card. 
In XX/XX/, I received card ( which was attached to document reiterating said {$100.00} offer ) and fulfilled Credit card offer of {$100.00} cash back when I spent required {$1000.00} by XXXX, but have not received the {$100.00}. Have called Synchrony Mastercard numerous (! ) times beginning last XXXX. Am told either that 1 - I am eligible, but it will take 2-3 more billing cycles to receive the cash back offer, or 2 - no such offer ever existed, or 3 - that offer existed but I am not eligible for said offer, or 4 - that there is no notation in my file about said offer, or 5 - that I must mail proof that this offer ever existed and proof that I am eligible. If the last one, I was told it will take at least 1-2 billing cycles for them to review and then IF they decide I am right, it will take an additional 2-3 months to get the {$100.00}. 

If I get any response, it is a request for additional information ( which they already have ).

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 2023-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
On or about XXXX of XXXX, ONLINE, I opened a Merrill Lynch checking and brokerage account.

I made a few deposits into the account. I received an ATM card and rarely used it. I little over XXXX in what Merrill calls a CMA account. 

I recently moved from XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX to XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, Ar XXXX. 

I called Merrill and updated my new address, verified my full name ( XXXX XXXX XXXX ), my social ( XXXX ) my date of birth ( XXXX ) and phone number ( XXXX ) XXXX. I was then told I needed to visit a branch to put some documents on file. 

I did not have to visit a branch to open an account or have money deposited into the account. 

While an office is about XXXX miles from me, I work in the opposite direction and my work location is about XXXX minutes one way. 

I offered to send whatever they needed via email, text, or secure message and the representative simply stated I had to come to a branch. 

I was told several lies on the call, which I recorded ( Arkansas is a one-party state ), and will be filing consumer arbitration, however, I want this complaint on the record also. 

Merrill is refusing to release my money that was lawfully placed with them. They did not put any restrictions when I opened the account only when I want to take money out.

I even tried to close the account and was told I could not ( again on a recorded line ). Obviously, this is not correct.

I told them to send the money to the address on file and was met with " no '' I would have never opened the account if I would have been told to withdraw money I needed to visit a branch.

I am enclosing my XXXX tax return which shows my social security number. It does have my old address, but I am submitting my paid-in-full renters ' policy that shows my current address, along with my latest pay stub. 

I simply want the money that is in my account and not the run-around. I will handle the " run around '' via consumer arbitration which I am intimately familiar as the documentation shows. 

I do have a copy of my social. It's with some older ID but it is a copy of my social security card. Odd how they now want a copy but not when I wanted to deposit. A great question for the arbitrator. A complaint is also being made to the Arkansas Attorney General. 

Thank You! 

On a side note, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, so using XXXX or XXXX XXXX XXXX as the city will get any correspondence to me.

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 2023-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Started a new job and attempted to deposit my first payroll check on XX/XX/2023. Since it was after XXXX XXXX XXXX XXXX XXXX  my time ) The check was processed on XXXX  XX/XX/2023. I then received an email from Capital one Bank which states that after an indepth review the deposit may be a risk for payment default. I had to wait 5 business days for my funds to clear and they only cleared it on the XXXX XXXX because I called and begged a manager not because of any structured automated system. This put an economic strain on my life because I had to ask for a loan which I now owe with interests thanks to the arbitrary decisicion that capital one took to withhold funds on my XX/XX/2023 deposit. 
I never the less gave them the benefit of the doubt, until this past week when I deposited my XXXX check ( XX/XX/2023 ) and Now in typical fashion my funds are being held until XX/XX/2023. The problem is this bank no longer provides service of physical ATM 's where you can deposit and do your banking they refuse or wont stop the " processing '' of my check so I can then open up another bank account with a more reputible financial institution. I am pretty much being held hostage by Capital one and its putting a great decline in my mental, physical health because I can not buy any living essentials and may lose my job because even after countless phone calls I can not get any funds released. I have already spoke at length with my job 's accouting and the funds have been taken out of my jobs account, meaning capital one is ruining me instead of " Protecting '' me like they claim. I can't even get to work in my own car or order any kind of service to get to work. Im broke not because I refuse to work, no Im broke because Capital one bank wants me to be broke, malnurrished, and depressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: NJ

Complaint narrative:
I believe Cross Country Mortgage is misappropriating funds from my escrow account. They have charged me for an additional tax payment that has gone unrecorded by the town tax department. The escrow analysis in addition to the already paid taxes projects the fund to pay out taxes XXXX times this year with an overage of roughly {$1300.00} unaccounted for. My phone call with a company representative on XXXX confirms these facts and that the error is on their end. However, despite numerous calls and emails citing the following information, they remain unresponsive. 

The actual payments and projections of taxes to be paid this year are as follows : Payment Dates and Sum of Taxes Paid in 2023 XXXX {$1300.00} as noted on XXXX XXXX  XXXX  ( See : XXXX XXXX XXXX  ) XXXX {$1300.00} as noted on XXXX XXXX  XXXX  ( See : XXXX XXXX  XXXX.XXXX  ) XXXX {$1300.00} as noted on XXXX XXXX  XXXX  ( See : XXXX XXXX  XXXX.XXXX  ) XXXX {$1200.00} as noted on XXXX XXXX  XXXX  ( See : XXXX XXXX  XXXX.XXXX  ) The sum of these tax payments, already paid in XXXX installments, for this current year is {$5400.00}. This is roughly equal to the projections stated by the XXXX XXXX  XXXX XXXX XXXX for the yearly taxes from last year ( See : XXXX XXXX XXXX XXXX '' ). 

According to the Escrow Analysis provided by Cross Country Mortgage on XXXX an additional payment of {$1400.00} is planned for XXXX of this year. Once this is paid, the sum of taxes paid out of escrow from this account will total XXXX tax payments this year equal to {$6800.00}. 

Compared to last year 's tax schedule this will result in XXXX additional tax payment ( bringing the total to XXXX payments ) as well as an excess of funds paid out estimated at {$1300.00}. The excess of funds is currently unaccounted for as this sum has not been recorded by the XXXX XXXX XXXX XXXX as indicated by the public tax record for the property ( See : XXXX XXXX XXXX XXXX '' ). 

I've reached out via numerous emails sent to XXXX on the following dates : XXXX XXXX XXXX XXXX XXXX I've also called regarding this matter on the following dates : XXXX XXXX XXXX XXXX XXXX This issue came to my attention when Cross Country Mortgage increased my monthly escrow payments thereby effectively increasing my monthly mortgage payments. They intend for the additional payments to make up for the unaccounted funds they appear to have misallocated. 

I welcome your assistance in finding resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: NV

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC.
State: AZ

Complaint narrative:
I opened dispute claim # XXXX with Robinhood. After not being able to initiate it in the app, I had to wait 30+ minutes to speak to a representative and more time on hold. Representative XXXX informed me the dispute was not yet opened and I will have to wait for someone from the disputes department to reach out and start the process. As my bank, Robinhood is obligated to promptly open a dispute and start the investigation, which they have not done. They are also obligated to provide a temporary credit within 10 business days of the reported error under Regulation E.

Robinhood needs to open my dispute ASAP and apply credits to my account immediately.

Company response to consumer: Closed with explanation