vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Submitted a request for subordination to Huntington bank via XXXX overnight delivery, confirmed delivered on XXXX. Written and verbal turn time states 15 business days. It has well exceeded that time frame, by many weeks and the bank refuses to return my phone calls. I have called numerous times begging someone to call me and tell me what the status is, did they lose the paperwork? What is going on- they wont call back. They are holding me hostage from being able to refinance my first mortgage info a more affordable loan, this is unacceptable to refuse to communicate with me. My rate lock has been expired for weeks due to their refusal to cooperate and there is absolutely nothing I can do to refinance until they respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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:
I was made aware of some accounts that were opened in my name without my permission. I found out about these accounts today XX/XX/20 because I got my credit ran since I am trying to buy a house. The real estate agent I'm working with told me I would not qualify for the home loan because of all of these accounts reflecting badly on my credit. I looked through each account and none of them are mine. I did not open any of these accounts and I have never allowed anyone to open any account in my name using my personal information. I have no idea who could have opened these accounts without my permission but I have already filed a police report. I do not have any written/verbal contract with any of these companies nor did I benefit anything from them such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I also filed a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: PA

Complaint narrative:
I recently requested copies of my credit reports from all three credit bureaus, XXXX XXXX, XXXX, Experian XXXX and found numerous accounts had been opened established in fraud. I driectly contact the credit bureaus, all three and also directly contact the creditors and the collections agencies also reporting the fraudulent debt, I'm now reaching out to you in helps of expediting this issue and getting it resolved for. I have asked all parties involved to send me proof of these debts that are claiming to belong to me, XXXX XXXX. I have asked to get ip address, physical mailing address, statement/invoices, signatures, and signed contract and dates. Still I have not received anything back or any updates regarding this extreme matter.

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 2020-06-17 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: CO

Complaint narrative:
Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff in the amount of {$850.00} on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) My out-of-pocket expenses, as well as my deductible was met. Any remaining expenses should have been covered by my insurance and because these expenses were covered there is no outstanding balance due and nothing to collect/chargeoff. ( I have attached a copy of ( 1 ) spreadsheet outlining all outgoing expenses ; ( 2 ) insurance card ; and ( 3 ) letter for XXXX  XXXX XXXX XXXX. ) This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be removed and/or updated to report accurate information. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: CA

Complaint narrative:
I was made aware of some accounts that were opened in my name without my permission. I found out about these accounts today XX/XX/20 because I got my credit ran since I am trying to buy a house. The real estate agent I'm working with told me I would not qualify for the home loan because of all of these accounts reflecting badly on my credit. I looked through each account and none of them are mine. I did not open any of these accounts and I have never allowed anyone to open any account in my name using my personal information. I have no idea who could have opened these accounts without my permission but I have already filed a police report. I do not have any written/verbal contract with any of these companies nor did I benefit anything from them such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I also filed a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

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 2020-06-17 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: CA

Complaint narrative:
I was made aware of some accounts that were opened in my name without my permission. I found out about these accounts today XX/XX/20 because I got my credit ran since I am trying to buy a house. The real estate agent I'm working with told me I would not qualify for the home loan because of all of these accounts reflecting badly on my credit. I looked through each account and none of them are mine. I did not open any of these accounts and I have never allowed anyone to open any account in my name using my personal information. I have no idea who could have opened these accounts without my permission but I have already filed a police report. I do not have any written/verbal contract with any of these companies nor did I benefit anything from them such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I also filed a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

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 2020-06-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Attn : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Trustee XXXX XXXX XXXX XXXX XXXX, New York XXXX Ref : Property XXXX XXXX XXXX XXXX XXXX FL XXXX SPS # XXXX XXXX XXXX XXXX # XXXX Foreclosure case # XXXX XXXX XXXX XXXX MIN # XXXX PETITION FOR RELEASE/DISMISSAL OF FORECLOSE As the Pandemic COVID-19 is hitting very hard across America destroying the economic and devastating homeowners, Government President Trump directed the Department of Housing Urban Development ( HUD ) and local government to take steps, orders to stop eviction and foreclosure proceeding to bring relief to those stressed family impacted by the pandemic of COVID-19. This is a precious time to bring this matter of Foreclosure case # XXXX, that is still pending in state court to the end with amicable solution. 

Since XXXX, our property has being victim of three ( 3 )  WRONGFUL FORECLOSURE. The undersigned are asking you to open a profound review to the above account and order your legal team to stop/dismiss legal proceeding Foreclosure case # XXXX. 

On XX/XX/XXXX SELECT PORTFOLIO SERVICING INC open a third ( 3rd ) Wrongful Foreclosure case XXXX XXXX XXXX   XXXX XXXX on behalf of XXXX XXXX  AS TRUSTEE for the XXXX   XXXX. 

There are fatal errors in your claim regarding this account that needs to be seriously addressed to avoid causing more harm to our family, with a nonsense litigation. This litigation has brought a dark cloud to the image of SPS and its reputation. 

This account previously serviced by XXXX XXXX XXXX XXXX ( XXXX ) was assigned and transferred incorrectly creating serious misunderstanding and legal battle. Those misunderstanding that need to be addressed and put this account in the right path of release. 

The XXXX Family request SPS/XXXX to dismiss the Wrongful Foreclosure case # XXXX and release property XXXX XXXX XXXX XXXX XXXX FL XXXX from those claims. 

Your cooperation to solve this matter will be appreciated. Our family need to be relieved from this nonsense litigation and difficult time of this pandemic of Covid 19 and its effects. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: SC

Complaint narrative:
I have been in my home for 20 years. It is in good condition. I have paid the principal balance down to {$32000.00} from {$100000.00}, so I am sure that I have equity in this property that they are trying to take from me. They initially offered me an opportunity to modify the loan over the phone, but never collected documents from me to complete the review. 



My interest rate is 8.95 % which is significantly over the current market rate. A modification would make my payments affordable by lowering my interest rate, and possibly reforecasting my term. 



They have escalated my situation and referred my property to foreclosure without giving me any consideration for loss mitigation retention options, or any of the reliefs that the CARES Act 2020 offers. I do not believe that they are servicing within the DOJ or CFPB servicing guidelines for home owners.

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 2020-06-17 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: PA

Complaint narrative:
I recently requested copies of my credit reports from all three credit bureaus, ( Trasnunion, XXXX, XXXX   ) and found numerous accounts had been opened established in fraud. I driectly contact the credit bureaus, all three and also directly contact the creditors and the collections agencies also reporting the fraudulent debt, I'm now reaching out to you in helps of expediting this issue and getting it resolved for. I have asked all parties involved to send me proof of these debts that are claiming to belong to me, XXXX XXXX. I have asked to get ip address, physical mailing address, statement/invoices, signatures, and signed contract and dates. Still I have not received anything back or any updates regarding this extreme matter.

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 2020-06-17 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: PA

Complaint narrative:
I recently requested copies of my credit reports from all three credit bureaus, ( XXXX, Equifax, XXXX  ) and found numerous accounts had been opened established in fraud. I driectly contact the credit bureaus, all three and also directly contact the creditors and the collections agencies also reporting the fraudulent debt, I'm now reaching out to you in helps of expediting this issue and getting it resolved for. I have asked all parties involved to send me proof of these debts that are claiming to belong to me, XXXX XXXX. I have asked to get ip address, physical mailing address, statement/invoices, signatures, and signed contract and dates. Still I have not received anything back or any updates regarding this extreme matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: IL

Complaint narrative:
I have been on the phone monthly with the three major credit reporting agencies and finally got the last bit cleared up today. This has cost me credit cards and loans. It started with one person getting caught fraudulently using a card in my name. He was arrested. 

Later, several accounts came up in my name but a different social was entered on all three credit reporting sites, showing that I had two social security numbers ( red flag? ). It took my roughly 2 years to get them to stop reporting it. After my fourth mail in attempt to XXXX  and XXXX, they changed the social and misreported address used to send mail to. Ironically, we knew the people at the fraudulent address and they helped us to report and attempt to rectify the issue. 

Experian has just now removed the personal information after several more attempts to mail in the correct information. That is ridiculous and has affected my financial capabilities. 

With all the data breaches in the last few years, its impossible for a civilian to catch identity theft as it happens. That is decided by how secure our credit bureaus are ( which judging by the amount of time my shadow had access to my credit, not secure at all ). 

Credit Reporting Bureaus have proven themselves useless in helping victims of identity theft even though they are the last line of defense and the police are useless too unless they are caught in the act. There needs to be more responsibility on the CRBs.

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 2020-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Attn : XXXX XXXX XXXX, CEO BANK OF AMERICA N.A XXXX XXXX XXXX XXXX XXXX, NC XXXX Ref : Property XXXX XXXX XXXX XXXX XXXX FL XXXX SPS # XXXX Bank of America # XXXX Foreclosure case # XXXX XXXX XXXX XXXX  MIN # XXXX PETITION FOR RELEASE/DISMISSAL OF FORECLOSE As the Pandemic COVID-19 is hitting very hard across America destroying the economic and devastating homeowners, Government President Trump directed the Department of Housing Urban Development ( HUD ) and local government to take steps, orders to stop eviction and foreclosure proceeding to bring relief to those stressed family impacted by the pandemic of COVID-19. This is a precious time to bring this matter of Foreclosure case # XXXX, that is still pending in state court to the end with amicable solution. 

Since XX/XX/XXXX, our property has being victim of three ( 3 ) WRONGFUL FORECLOSURE. The undersigned are asking you to open a profound review to the above account and order your legal team to stop/dismiss legal proceeding Foreclosure case # XXXX. 

On XX/XX/XXXX XXXX XXXX XXXX XXXX open a third ( 3rd ) Wrongful Foreclosure case XXXX XXXX vs XXXX XXXX  on behalf of XXXX XXXX  AS TRUSTEE for the ACE 2006-FM2. 

There are fatal errors in your claim regarding this account that needs to be seriously addressed to avoid causing more harm to our family, with a nonsense litigation. This litigation has brought a dark cloud to the image of XXXX and its reputation. 

This account previously serviced by Bank of America N.A ( BANA ) was assigned and transferred incorrectly creating serious misunderstanding and legal battle. Those misunderstanding that need to be addressed and put this account in the right path of release. 

The XXXX Family request XXXX/BANK OF AMERICA to dismiss the Wrongful Foreclosure case # XXXX and release property XXXX XXXX  XXXX XXXX XXXX FL XXXX from those claims. 

Your cooperation to solve this matter will be appreciated. Our family need to be relieved from this nonsense litigation and difficult time of this pandemic of Covid 19 and its effects. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida 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 2020-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$850.00} on the XXXX  XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) My out-of-pocket expenses, as well as my deductible was met. Any remaining expenses should have been covered by my insurance and because these expenses were covered there is no outstanding balance due and nothing to collect/chargeoff. ( I have attached a copy of ( 1 ) spreadsheet outlining all outgoing expenses ; ( 2 ) insurance card ; and ( 3 ) letter for XXXX  XXXX XXXX XXXX. ) This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be removed and/or updated to report accurate information. I have contacted the bureaus to fix this however, I have not been successful.

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 2020-06-17 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: CO

Complaint narrative:
XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$850.00} on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) My out-of-pocket expenses, as well as my deductible was met. Any remaining expenses should have been covered by my insurance and because these expenses were covered there is no outstanding balance due and nothing to collect/chargeoff. ( I have attached a copy of ( 1 ) spreadsheet outlining all outgoing expenses ; ( 2 ) insurance card ; and ( 3 ) letter for XXXX  XXXX XXXX XXXX. ) This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be removed and/or updated to report accurate information. I have contacted the bureaus to fix this however, I have not been successful.

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 2020-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
PNC continually has accessibility issues with their online banking. In attempting to link my PNC checking account with my XXXX  daughter 's new daycare I am receiving yet another error message that I am unable to link my checking account with our new daycare.

Company response to consumer: Closed with explanation