vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
My husband lost his job last year with covid we asked US BANK to put us on a forbearance plan. We missed 3 payments he found another job and we called and asked for them to stop the forbearance. We started making payments in XXXX. They sent us the documents to finish the process we sent them back never heard from US bank until we got threating letter about foreclosures etc.. we called them they said it wasn't notarized so they threw it out. They sent another packet we never received in XXXX we called they told us to go online and submit the app that way so we had a lady on the phone walk us through the application. Never heard again from US bank XXXX we called they said there backed up and will get to it. XXXX we called got another run around were backed up there's nothing we can help you with its with an under writer now etc ... XXXX again were trying to refinance the mortgage my refinance company got involved with them and all they did was put us on another forbearance until XXXX. That is not what I wanted in the middle of all this I have been making my payments fighting with them to resolve my forbearance and put the interest free loan on the back of my mortgage and give me my new payment plan. They give us the run around every time and will not resolve my account. I have contacted their social media they have pushed it to the higher ups still haven't heard from them. I have been fighting to get this resolved for 5 months now and I'm not happy how US bank has handled it. I have done everything they asked by submitting paper work paystubs mailing back the paper work going online and submitting docs. They have never once reached out to me to resolve the issue. I have called every month on this with no resolution. US BANK is the worst bank ever!!

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 2021-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
I applied for a refinance loan with NewRez on XXXX Loan # XXXX. Late in XXXX when the CD documents came the numbers were wrong. My home appraised for XXXX, the document said XXXX. I was also told that the money I needed for closing would be {$250.00}, that document had {$780.00} needed at closing. I had also paid 3 more payment on my loan since I started the process, and it was not prorated on the CD documents. I called, and I emailed for weeks trying to get someone to explain why these numbers were different. I never got a reply back from any one. Just recently a new loan processor emailed me saying I was approved for the loan. The rate lock was due to end on the XXXX. It's seems like I've been scammed. All this time with no one wanting to return my calls or answer an email now as the rate is due to end they call. Called again today to ask why I was treated this way. Still no answer at this point, never did find out the answer to the wrong numbers on the CD documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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:
unauthorized account are being reported on my file and i would like them to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: OR

Complaint narrative:
I am having difficulties with buying a house and applying for new credit cards. I paid the collection ACCOUNTS RECEIVABLE, Reported : XXXX. XXXX, XXXX  and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this collection from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and 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 2021-01-14 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: TX

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL NUMBER TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL AGENCIES I am writing to request and initiate a formal complaint against XXXX TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX  TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I received a letter from Credit Collection Services stating that I owe {$200.00}. I responded with a certified debt validation letter. I didnt receive a letter so I called the company on XX/XX/XXXX and spoke with XXXX and she stated didnt see me request to validate debt. I recently received a health insurance claim form on XX/XX/XXXX that was dated for XX/XX/XXXX. The information does not validate the debt or show that Credit Collection Services has the right to collect this debt. However on XX/XX/XXXX I received notice that this collection was placed on my credit. I called the company and spoke with XXXX XXXX and asked her to remove the collection as we attempt to validate the date. She declined and said that it was notated as disputed and she had the right to report it. I told that was unfair practices due to the debt has not been validated and it was done with negligent intent

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
Our property taxes have STILL not been paid out by our escrow despite a previous complaint that I filed in XX/XX/XXXX. They took money out of our account and paid to the wrong tax parcel ID. I spoke to them about this over the phone and they told me on Monday that it was fixed however we still have a pending bill with our county showing we still owe. I need this rectified as soon as possible as taxes are due XX/XX/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 2021-01-14 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: OR

Complaint narrative:
I am having difficulties with buying a house and applying for new credit cards. I paid the collection XXXX XXXX Reported : XXXX. XXXX, 2019 and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this collection from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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:
unauthorized account are being reported on my file and i would like them to be removed

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 2021-01-14 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:
unauthorized account are being reported on my file and i would like them to be removed

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 2021-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
Monthly payment was with drawn from my account by Citi totaling XXXX and they cashed a check of XXXX. Altogether XXXX. And change. XX/XX/XXXX and they have refused make the credit balance available or credit it back to me in a timely fashion. 

Every time I would speak to a supervisor ( XXXX, XXXX and XXXX  ) the hold date would be extended by a day first it was the twelfth then the XXXX now its the XXXX. 
Checks are coming through and they are going to be turned away because the fund are not there. XXXX every check. 

I have talked to my bank, they were more then happy to send an email fax or transmitting of the cleared fund XX/XX/XXXX. Still Citi wanted only verbal verifications Making available all my security questions and answer known, so my bank respectfully refused the third party verify by phone. ( Makes Sense ) for my protection. 

I called the attorney general of RI, they confirmed what has happened to me is not lawful and is unreasonable then gave me direction to contact the Consumer Financial Protect Bureau I called one more time today XX/XX/XXXX to see if it had been credited, that is when I was informed of the XXXX date change.

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 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit report shows two XXXX XXXX XXXX accounts that were charged off. At no time did I have two active accounts with them. Their records should indicate that the older loan was rolled over into the new one which they secured with my auto,. The car was totaled and they were paid all but XXXX for that loan which they settled with me and which settlement I paid in full.

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 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I was looking over my credit report and I noticed some fraudulent accounts on my credit report. the following accounts are being submitted to be blocked and deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: NY

Complaint narrative:
I ordered a part from XXXX. They sent me some unknown part I did not order. I returned the part, paying for the shipment myself. They are refusing to refund my money after receiving the unknown part. The part was ordered using my Chase Amazon Visa XXXX card. Chase is also refusing to take the charge off my account. I am without a product and without my {$240.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: TX

Complaint narrative:
In XXXX I started my academic year at XXXX XXXX XXXX. After talking to my financial advisor, XXXX, who assured me this was not only a better choice as I had kids at home but they would also help me find a job through their internship program and help with job fulfillment at a reputable company related to my field of specialty, which was XXXX XXXX  and XXXX 

I finished my XXXX and tried for a very long time to get a job at XXXX XXXX, XXXX, and XXXX XXXX  who did XXXX and XXXX applications. After searching and searching the academic center called me one day to tell me congrats on my graduation months prior and asked if I had found a job. After telling the young lady I hadn't found a job yet, the rep asked me if I was interested in going further to finish my XXXX? I was kind of apprehensive but thought maybe this would help. After one semester in, my loans and grants came to a halt and I had no more funds. Not only that I got my first loan bill in, which was for nearly XXXX. I wasn't even working and my husband was currently a student there as well thinking it would help him with his current job in going further in the company. 

Well the joke was on us. My husband should have been apart of the student loan settlement in which he started in XXXX and finished shortly after. His loans are also through XXXX XXXX and he pays! Now we have XXXX terribly sick children and I cant work as Im constantly taking kids to doctor and I keep getting letters to pay and pay. I cant pay. 

Now my loans have racked up to nearly XXXX and I have no career. In fact I have been laughed at and mocked in interviews at the paper that I have called a degree from university XXXX XXXX. I can't get a job making enough money to pay this loan back. This is disgusting that this type of organization exists. My husband is paying his loans although he has not moved up any more in his company. 

I will be filing complaints everywhere and making sure not one person steps foot on this papermill college.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: OR

Complaint narrative:
Hello, On XX/XX/XXXX my family lost our home in a wildfire. Insurance provided us with the check for the dwelling in XXXX and we immediately mailed it to United Wholesale Mortgage. The check was in my wife and I 's name and UWM 's as well which is why we had to send it to UWM. UWM proceeded to cash it, our loan balance showed {$0.00} and we are due back {$120000.00} which is the excess of the insurance checks over our loan balance. 

On XX/XX/XXXX UWM processed the check and mailed it, however due to a clerical error on their part with a butchered address, it never made it here and now it's back in their hands. 

Every time we call we get tossed around and thrown a new story, never any supervisors available and this last time they said they have to put a stop payment on the check and reissue which takes 30-60 days. THey are holding our livelihood and money we need and are relying on for far too long. They've had XXXX XXXX  insurance check cashed since XXXX of XXXX and it's now mid XXXX. We're scared and nervous at the incompetency of the company and how long this is taking. 

Please help! They won't help and it's just constant push back and delay delay delay, call back, we'll call you back and never do, it's just thing after thing. This company is run extremely poorly and incredibly inefficient from a customer perspective. 

Thank you. 

XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lending Club Corp
State: NY

Complaint narrative:
I have called customer service about erroneous reporting on credit report, XXXX 2020. I'm listed as being 60 days late of this account. This is not true. All payments were done as scheduled

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted Experian-NCAC several times at all their associated XXXX XXXX XXXX, XXXX, XXXX. They are still stating that several items that are on my Credit Report are mine when I have sent both XXXX & XXXX XXXX XXXX results to them asking why they found errors and Experian-NCAC did not. Experian-NCAC constantly sends me letters stating they will not reinvestigate the derogatory items without relevant proof. I have provided many copies to Experian-NCAC and they are still my lowest score, reporting accounts that are not mine. This is very frustrating especially when I am literally handing them the proof.

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 2021-01-14 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I just received a letter. From AGs office XXXX Mass XXXX states to have. This. Agency. Help. Me! 

All three. Credit reporting Bureaus ( Experian 2. XXXX XXXX, XXXX XXXX XXXX and. Any other harmful reporting. Agencies. 

So, yes I have. Had some lates and. Collections, But my score is being harmed I. Need action And request a restoring result! LI need my score to be above 700 they are showing low I did a year ago sent letters to ceo. About. There breaches! 

And to fix. My Reports Financial hardship! 

XXXX XXXX XXXX XXXX XXXX XXXX nh. 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 2021-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: TX

Complaint narrative:
wondering why I have not received any settlement from XXXX as I was a student that enrolled during the time period that was greatly deceived as far as finding a better job and helping me make more money. I am currently paying the loan and it seems I did not get any type of refund for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: MA

Complaint narrative:
I am writing do to XXXX none-compliance of the CRA. XXXX is inaccurately reporting a late 30 day notice on my credit report for XXXX, 2018 from XXXX XXXX XXXX account XXXX. This error was discovered while in the process of applying for a mortgage. I have sent a dispute letter to XXXX with supporting documentation from email receipt from XXXX XXXX XXXX XXXX  showing payment made for the month of XXXX, 2018 being made on time. I also sent XXXX email receipt for XXXX showing payment made before and after the month in question XXXX, 2018 and XXXX, 2018 also showing email receipt payment from XXXX received and made on time. After I have provided factual proof and documentation showing payment made on time for the month of XXXX this is defamation of character and willful injury under section 623 of the FCRA requirements and a violation by XXXX. CFPB please ensure XXXX XXXX XXXX card follow the credit reporting act. They are in violation of the law after I give the supporting documentation from email receipt I received from them as proof of my payment being made for the month of XXXX, 2018.

Company response to consumer: Closed with explanation