vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: KY

Complaint narrative:
LoanDepot is wrongfully double charging me for an escrow shortage that has already been paid. I received an escrow summary from LoanDepot dated XX/XX/XXXX stating I had an escrow shortage of {$220.00}. ( exhibit 1 ). The document stated, if I paid the shortage up front, my new monthly payment would be {$990.00}. If I did not pay the shortage, it would be divided evenly over XXXX mortgage payments, with a new monthly payment of {$1000.00} beginning XX/XX/XXXX. 

I paid the escrow shortage up front on XXXX XXXX. ( exhibit 2 ). However, my monthly payment still went up to {$1000.00} on XX/XX/XXXX. ( exhibit 3 ) In sum, I'm being charged double for an escrow shortage. 

I called LoanDepot to report this in XX/XX/XXXX. I was very rudely told to put it in writing on their secure message center. I put my claim in writing on XX/XX/XXXX and was blatantly ignored by the company .I followed up several times with written messages, but received vague generated responses. Almost one month passed and I called the company again. I was put on hold and nothing was resolved. 

I then spoke with my local loan officer who studied the documentation confirming there was an issue. He directed me to call and speak with a supervisor. On XX/XX/XXXX I was finally able to speak with a supervisor after multiple attempts and being put on hold. After one hour of arguing and explaining the situation, the supervisor confirmed I was being charged double by the company. 

The problem was referred on that day for a call back, but was not resolved. It's been XXXX month since I have been trying to resolve this issue and I've been blatantly ignored. Not only am I being double charged, but the manner in which it has been handled has been extremely unprofessional and morally wrong. I have not been taken seriously and have been blatantly ignored. They are impossible to reach and when you do reach someone, you are passed around, put on hold, and patronized. This is not a trustworthy company. 

Attached is the documentation supporting my claim. Addresses have been redacted for privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
This company keeps calling repeatedly. I don't want to be called. Especially when it's debt that I know has been discharged.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
This debt collection company NCB has already been removed from other reporting bureau companies and should also be removed from XXXX. NCB is constantly being reported monthly with a balance which should have a zero balance as the collection agent. Also, reporting incorrect and inaccurate dates of payment and account status to re-age the account. This is a violation against the fair credit reporting act by the agent reporting fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: IL

Complaint narrative:
AD ASTRA RECOVERY SERVICE at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KA XXXX has been agrresively sending attempts to collect the amount of {$750.00} and the collection has been reported to as past due. I do not know this company, and I do not have any business with this company. I do not have a signed contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: CT

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy ( if any ) from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XX/XX/2022 I sent dispute letters to Transunion, XXXX, and XXXX. Disputing the accuracy of the inquiry. It has been over XXXX  days and I have received no response.

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 2022-02-11 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: PA

Complaint narrative:
hi im just making a follow-up on the dispute letter that I sent on XX/XX/2021. its been over 3 months now, I thought I would get a response from your company after 30 to 45 days but it seems like you didn't take it seriously or something. Please reinvestigate the information listed on that letter and remove the negative items, I was also informed that if I don't get a response from you w/in that period, the listed information on the letters must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: GA

Complaint narrative:
The credit bureauTransunion has been reporting Erroneous and fraudulent information violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Transunion because my character has been defamed and my information is being falsely reported. I demand that these inquires below be removed immediately.

I am submitting this on my own behalf.

Inquires listed : 1. 
XXXX Date of inquiry : XX/XX/2021 XXXX. 
XXXX XXXX Date of inquiry : XX/XX/2021 XXXX. 
XXXX Date of inquiry : XX/XX/2021

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 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX I began the mortgage process formally with a consultant within Wells Fargo. For the six months prior to XX/XX/XXXX, I had regular phone calls with my assigned consultant to cover the specific product I was looking to use to purchase a new single family home. On multiple occasions during these phone calls my intention of having a 3 % down payment mortgage product was shared, and was informed that would be fine and not an issue. I currently have a mortgage with Wells Fargo on a condo I purchased 16 years ago, and also explained not only was I looking to purchase a single family home, I would also be looking to refinance that original mortgage to reduce the term length of that loan. In addition to dozens of phone calls, there were also dozens of email exchanges confirming the 3 % down payment product as being available to me for the single family purchase. On the morning of XX/XX/XXXX, before starting my application with my consultant over the phone, I again confirmed the 3 % down payment product being available and was informed it was fine. Later in the day on XX/XX/XXXX, I received my pre-approval letter/email, but was informed the 3 % wasn't available and that only a 5 % down product would be available. It was explained that there was an internal Wells Fargo policy change that occurred in XXXX of XXXX, but never once was that provided to me before having my credit pulled on XX/XX/XXXX, nor was the consultant aware of it until after I escalated this concern to them. I am a current customer of 14 years with Wells Fargo from my condo purchase, have made every payment on time for 14 years and have a credit score north of XXXX. But only learn of a policy change after my credit application as started? My mortgage consultant escalated this concern to their management team for resolution, but was informed nothing would be done. This is not a good business practice, and would say deceptive in practice.

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 2022-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC
State: IA

Complaint narrative:
Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with XXXX. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This debt collection company XXXX has already been removed from other reporting bureau companies and should also be removed from Transunion. XXXX is constantly being reported monthly with a balance which should have a zero balance as the collection agent. Also, reporting incorrect and inaccurate dates of payment and account status to re-age the account. This is a violation against the fair credit reporting act by the agent reporting fraudulent information.

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 2022-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Oliver Adjustment Co.
State: IA

Complaint narrative:
Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with OLIVER ADJUSTMENT. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
Issue 1. TD Bank mortgage reported XX/XX/XXXX payment as late. Covid 19 Forebearace plan on this mortgage started XX/XX/XXXX and lasted for 18 months, so XX/XX/XXXX was during the forbearance period and should NOT be reported as a late payment. 

Issue 2. I paid the requested mortgage sum amount as personally directed by TD Bank upon completing 18 months of forbearance and it sat in the TD mortgage account, labeled by TD Bank as " unassigned funds '', which prompted late fees charged to me and an additional error on my credit report for late payment. 

TD Bank has since reviewed my payment history and removed all " late fees '', but they have not updated my credit report and my co-borrower 's / husband 's credit report. When I called TD Bank on XX/XX/XXXX about these 2 credit report mistakes, they told me to write to the credit report agencies. 

Please accept this as my written request for an investigation and correction of the 2 error reports on our mortgage account credit history. 

Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello I Have Issued XXXX Check From My Bank Account In Citibank And I Want To Know Status Of This Cheque I Attached All XXXX Cheque and I Want To Know is Cashed Or No

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 2022-02-11 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: Cornerstone Home Lending Inc.
State: OK

Complaint narrative:
I was working with a mortgage company named, Cornerstone Lending. That company did not obtain my authorization to run my credit again on XXXX and XX/XX/XXXX, far outside of the initial 30 day period of our mortgage application. Because it was outside of that 30 days these 2 credit pulls very negatively impacted our credit scores by more than 40 points. I tried requesting that they politely remove these inquiries. At first, they agreed to. Then they changed their minds and refused to. They have only spoken with my wife over the last month and have never spoken to me. Not once. I have proof that it was their inquiries that destroyed my scores by way of my membership to XXXX and the subsequent alerts that come with that subscription. The company has written back and claimed that their score " simulator '' is more accurate and that the inquiries are shown to be inconsequential. They have also stated that my permission is implied through the application I filled out online on XX/XX/XXXX but I never saw or read anything about MULTIPLE HARD INQUIRIES more than 30 days apart. I've been through the home buying process before and I know what is entailed and I've never seen a company do anything like this before. They have put my wife on the verge of a nervous breakdown. All for a pre-qualification that we never even got. And now we are left with credit scores so bad we can't even qualify for a rental for another 3 months and they REFUSE to correct their mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: UMPQUA HOLDINGS CORPORATION
State: IL

Complaint narrative:
On XX/XX/2020 I signed an agreement for a vehicle loan. Disbursement amount was {$55000.00}. I have been paying this loan until this month when I reached out to the Financial Pacific Leasing to get a payoff amount. I was sent a paperwork stating that I owe {$56000.00}. So, {$1000.00} over the amount that was lent to me 20 months ago. I have never missed a payment since it's auto debited. I reached out to the broker and the finance company requesting an explanation to this matter but they will not give me any information whatsoever. No disclosures were given to the rate or whatsoever. I have attached the initial contract and payoff letter. The broker that took my application and provided the paperwork is XXXX at XXXX XXXX. The financing bank is XXXX XXXX XXXX out of Washington XXXX Please help! 

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 2022-02-11 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I'm a XXXX struggling student that is living on Social Security SSI income that recently lost my job due to the Covid Pandemic. Im struggling to pay for rent and food and other necessities and I will like if you can please have the courtesy of cease and desist on all my debt due to me being XXXX living on Social Security SSI fixed income which is a violation and against the law tu sue a XXXX person living on a fixed Social Security income. I will like for you to please have the courtesy of stopping and canceling the lawsuit on XX/XX/XXXX and email me a confirmation from you and your lawyer saying you cancelled and stopped the lawsuit through this cfpb message or XXXX.

Company response to consumer: Closed with explanation