vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. The following account is not mine XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

2. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

3. Mistaken Identity XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

4. This account resulted due to identity theft. 
XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX XX/XX/2021 Re : Account Number : XXXX To Whom it may concern, I recently challenged the validity of multiple Dept of Ed/ XXXX account thats being reported on my most recent credit report. Upon challenging these, XXXX and XXXX deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging these accounts with your company you have continued to verify these same accounts. 

It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify these accounts in writing. If such documents can not be produced please DELETE these accounts from my credit report immediately. 

Best Regards, 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 2021-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
My wife and I applied to refinance our home and a rental home. We decided to use New Rez because they already had the primary mortgage. They promised us a rate on the primary home and then came back after everything was signed and locked in and said they made a mistake and added points that we had to pay for to get the rate that we had contracted previously without any points. Even more frustrating, this process started mid XX/XX/XXXX. They call us occasionally and ask for requirements - which we send immediately. Today they called and asked us for some things that we gave them 22 days ago. They have asked us for unbelievable requests like having {$8800.00} in checking at the end of the previous months, show hundreds of thousands in savings/retirement, which we did, again immediately. They had us pay for an appraisal AND they have us locked in at a rate that I probably cant get anymore or I would certainly go elsewhere. Now it is XX/XX/XXXX and we cant get any answers as to where we are in this process. I cant believe it is legal to string us along for 4 months. I am in the financial industry and I have never seen a business operate like this. If its not illegal it is certainly unethical. BEWARE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
The original Certificate of Deposits were purchased with XXXX XXXX  XXXX, however TCF Bank is the current successor to XXXX XXXX. I have multiple CDs that TCF is stating they have no records or reports about and says, " Sorry, Maam, you're just out of luck! '' This is unacceptable to me and I would like to cash in my CDs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Some time in the beginning XXXX I sent all XXXX bureaus letters of my grievences and disputes I had with how they were reporting my credit and still till this day XXXX have not heard anything back from them. So I am hoping you can help me with this problem cause it really should be deleted because its been over 60days now. Please update me and let me know whats going on, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Some time in the beginning XXXX I sent all 3 bureaus letters of my grievences and disputes I had with how they were reporting my credit and still till this day XXXX have not heard anything back from them. So I am hoping you can help me with this problem cause it really should be deleted because its been over 60days now. Please update me and let me know whats going on, thank 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 2021-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
My pay was garnished {$500.00} by a company named Cach LLC or XXXX and XXXX PA. My payroll team stated that there was no other information given. He have me the filing information which had an address I have not lived at since XXXX. I was never notified of these proceedings. I contacted the court system who signed the docket and they stated that they did not have a number to contact the company either, but I could file and exemption to stop garnishments and get a court date. The court representative also advised me that this case was originally filed in XXXX which is beyond statutory limitations. She stated that she couldnt give me much more information. I tried to research judgements and debt that couldve possibly been on my credit report and concluded that this debt is not mine. I researched the company and found that they are known for attaching debt to people that doesnt belong to them. Im a single mother of 5 and I cant afford to have {$500.00} taken from each paycheck.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received a letter in XXXX that stated my free checking account would no longer be free because it did not meet the guidelines I use which would have been 10 uses of your debit card per month. That guideline was being eliminated and now my account would be charged {$12.00} per month. To ease into this process I would be given a 9 month grace period. But then in XXXX I opened up my checking account online to pay bills and what popped up online was an advertisement offering ways to avoid account fees, and one way was using your debit card 10 times in one month.

I immediately called into the call center, and was routed to my local branch which then escalated my case to the complaint center. And that is where the case lingered for weeks and weeks and weeks on end. I ended up taking pics of the ad with my phone which I have included with my complaint, and I was asked to fax them into my specialist. I received several letters telling me that a resolution was forthcoming. One never came. I called in on the XXXX of XXXX which was after the listed date that was given to me, denying my claim. 

This is unfair because it was their advertisement that caused me to pause and assume that my initial letter must be wrong because of seeing this ad. If you see anything advertised to you in a store that was a mistake or incorrect, they must sell it to you for that price. Why is the banking industry any different? To pay {$12.00} a month for keeping your money safe is just ridiculous and apparently someone at Wells Fargo thought so too, which is why the ad was never taken down! Although, now I am sure it has been!

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 2021-03-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One Bank is reporting an erroneous late payment on my credit file. I recently checked my credit file and noticed this debt. Due to circumstances under the pandemic i was not able to make this payment on time. I have had this account for a long time and have been really good about keeping this account in good standings. I am experiencing hardship due to the pandemic and that put me in a really tough situation. Paying my bills on time is always an priority but this totally out of my hands. I am asking that Capital One remove this debt from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
On, XX/XX/XXXX I opened a checking account with Wells Fargo, on the XXXX I had roughly XXXX deposited in to the account! XX/XX/XXXX I tried to withdraw money from the account and my card was shut off! This morning, XX/XX/XXXX I got a letter in the mail Dated XX/XX/XXXX that I can't use my account due to a low credit score! In the meantime, they have all of my money and won't release it to me! I can't eat or buy gas to even get to work! It's all the money I have in the world!

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 2021-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WI

Complaint narrative:
My loan has been sold several times and the latest is Rushmore Loan. 
Since XXXX of XXXX I have been paying extra escrow payments for their required 2 month cushion. 
Since they have obtained this loan to date XX/XX/XXXX I have paid in a total of XXXX and every year at escrow analysis time I have a new monthly payment reflecting their projected property tax, hazard insurance, my principal and it includes the shortage. 
At this time I start all over again owing 2 months worth of escrow cushion but no one can give a clear and simple explanation of where the money I have paid in has gone. 
I receive a check from them to pay my taxes and for 2 years in a row it has been higher than the taxes and I end up with a check back from the city. 
If I never have enough money for the cushion how am I getting money back when I pay my taxes? 
Their explanations make no sense and I am told that the amount is going down but due to them spreading the payment out this is why I am behind. I can not get anyone to explain in plain English why I paid in XXXX and every analysis I wind up having nothing in the cushion and start all over. I don't know where these funds are being allocated. I am not an accountant so their analysis make no sense to me. 
I pay the amount I am required every month yet still have no cushion. 
I am not sure how I am ever going to have the required cushion if every analysis I am told there is nothing left.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CHECK INTO CASH INC.
State: TN

Complaint narrative:
In XXXX a payday loan was opened to assist purchasing a vehicle after theft. Loan was paid and reopened with lower amount of {$25.00} less each renewal. 
After personal reasons of filing Chapter XXXX bankruptcy XX/XX/XXXX, Check into Cash continues to harass by calling by different numbers & demanding payment each time being a different greater amount than previously claim I owed. {$270.00}, {$320.00}, {$520.00} and now {$670.00}. Company claims they are using 3rd party to collect and will submit my info for judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Collection company ( Portfolio Recovery ) called me Sunday XXXX XXXX time XXXX XXXX cst

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I requested my annual free credit report, Transunion, XXXX, and XXXX  are all saying they can not verify my Identity and that I must request it in writing. They do not want to give me a copy of my credit file as they are refusing, they as all three credit bureaus are wanting me to send copies of my utility bills and drivers license, and my Bank Statement to them by email. 

I have filed several complaints against them so they have my information on file, I refuse to share my Banking information with the and I do not pay a utility bill as my sister pays that, My drivers license expired but I have a U.S. Passport and still have my Drivers License. but they are refusing to use my Passport as I.D . 

As they have several complaints that I have filed against them through your agency, they have all of my information and there should be no reason for them to deny my request for an online credit report and score, I am willing to pay for the score but the report should be free every week. They are making it difficult for me to see my credit file. 

Your agency has all of my complaints and their responses since 2018, so I would like access to pull my credit report as your agency has every request and their responses, thus they can not say the can't verify my info. 

I have the rigiew mit files online like everyone

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 2021-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
I entered into a Covid relief forbearance around XX/XX/XXXX. In XX/XX/XXXX, I called Mr. Cooper to see what my options were. I asked very specifically if the option to add the payments to the end of the loan were an option and the agent informed me that that was an option, along with a lump sum and a modification. 

Around early late XXXX XX/XX/XXXX, I attempted to start the process on their website and was repeatedly met with errors using their " wizard ''. On XX/XX/XXXX, I called them back again and was directed to the general " support '' area and to go through the modification there since the wizard was broken. I did as instructed and it apparently created a modification request. 

In subsequent calls, and their website, I was told that it would take *up to* 30 days. Here we are, sitting at XX/XX/XXXX and it still has not been addressed. I called on XX/XX/XXXX to inquire about status and they informed me it hadn't even been looked at and " escalated it '', so it should be done within 5 days. Again, we are at XX/XX/XXXX and this still isn't addressed. 

In a subsequent discussion ( I don't have the call date available because they called from another number ), I was told " the investors want their money '' and that was a reason for the delay. 

At this point, there is no reason to believe that Mr. Cooper is acting in any other fashion than to actively force a foreclosure by delaying a resolution, in spite of repeated promises that the issue would be addressed, and by forcing a lump sum payment without giving adequate time to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unauthorized information on my credit report. To this day over 60 days later I have not received a response yet. I feel as if I'm being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate the items within 30 days gives reason to immediately remove those items from my credit report. Again it has been over 60 days which means those items should be deleted promptly. I demand these items be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach that occured, and there is just cause my information may have gotten into the hands of the wrong person to which I have filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I had a checking account with Citizens Bank and owed a balance of {$2400.00}. What originally happened was my checks were stolen and someone made unauthorized charges on my account. I tried several times to get it cleared up but for some reason nothing was ever done. So because it was giving me bad credit I just decided to pay it off. I received a letter from an collection agency and was offered {$360.00} to have the account paid in full. This was paid back on XX/XX/20 for account ending in XXXX. 
They still were reporting incorrect information so I disputed this last year but it seems there if some things that should be removed. For instance on XXXX it shows charge off for Current payment status and worse payment status. The letter I received from Citizens Bank, which I attached states they would change this to XXXX in full which is not the case. XXXX  says the same thing for current payment status not sure about XXXX. Plus not even sure why it still needs to say charge off when it has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: IL

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation