vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-21 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have been battling with Wells Fargo Home Mortgage for over 1 years regarding an alleged missed payment on my home mortgage. The issue I am raising to you is not about the missed payment, but the impact Wells is telling me this missed payment has on their reporting the most current balance on my mortgage to the major credit agencies. In addition, I am currently unemployed and asked Wells for forbearance on my mortgage. Even though I filed for this, I have made every mortgage payment after I filed with them asking for forbearance. Wells is also saying they are not reporting current balances to the credit agencies as I asked for forbearance. I assume you are the correct agency to report this issue to. If you are not please let me know who could address this issue.

I assume Wells should be reporting the most current balance ( of {$640000.00}, see attached latest statement from Wells ) regardless of me disputing ONE payment. I could understand them not reporting payments as MISSED during Covid-19, but question that they are not reporting current balances. Instead they are reporting a XX/XX/XXXX balance of {$670000.00}. This equates to a difference of approximately {$34000.00}. I have filed disputes with Experian no less than 4 times regarding this matter, and each time Wells states the {$670000.00} is the correct balance to report. 

Attached is my latest letter to them ( dated XX/XX/XXXX ), reflecting different information to the 3 big credit agencies. Their response noted in the attached XX/XX/XXXX letter, states the following : While they are agreeing that they have not reported my latest balance to the credit agencies, they are saying my outstanding claim of a missed payment and Covid-19 forbearance as the reason they have not done so. 

I hope you agree with me, that they SHOULD be reporting my latest balance of {$640000.00} to these agencies. I was told this has an impact on my credit score. If you do not agree with them reporting my latest balances, could you please explain why?

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 2021-05-21 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: LD Holdings Group, LLC
State: FL

Complaint narrative:
On XX/XX/2021 my mortgage was paid in full satisfaction of the debt. I sold the home and Loan Depot was paid. I have two letters stating such. My credit report states the mortgage was in my XXXX XXXX bankruptcy ; however, as stated above, the mortgage was satisfied completely. I disputed the credit report with XXXX and XXXX. They investigated, I submitted the letters from Loan Depot stating the mortgage had been paid in full, and the result was no change in reporting that the mortgage was included in XXXX XXXX bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
President Biden issued a continuation of the freeze on payments and interest that Trump ordered for the coronavirus situation. That freeze applies to government loans and is in effect until XX/XX/2021. 

Since XX/XX/2021, XXXX has harassed me with calls and emails demanding payments or forbearances even though it clearly states on their website that I needed to do NOTHING. So I did just that, nothing, because I do not have any private loans. I've never taken out a private loan for my education my entire life. 

As a result of following the directions of the President and XXXX 's own website announcement, XXXX has now put me into default and my credit score lost 100 points. 

I was told I needed to do nothing. The demands for payments or forbearance this year were excessive and came across as illegitimate. If I wasn't required to contact XXXX in order to accept the Covid relief, why were they harassing me? Why are they allowed to default people within this window of time when our loans were ordered by the President to be suspended due to the Covid crisis?

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 2021-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Calling mutiple times a day, every single day, for the entirety of the day from dozens of numbers after I have repeatedly told them to stop. I can not even use my phone for legitimate purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
I have held a mortgage with NewRez LLC for 5 years and have never been late on a single payment. NewRez purchased the loan from the bank that originated the mortgage. 

I initiated a mortgage refinance with NewRez LLC on XX/XX/21. I completed the application process and uploaded all the required documents to the loan originator by XX/XX/21. The refinance has not progressed as one would expect. After 3 months without responses the loan processor has resubmitted the refinance to underwriting. The underwriters seem to be stalling the refinance by asking for irrelevant documents, as well as documents previously confirmed as received. I am unable to get responses from the loan processor or originator to my inquiries. 

The biggest issue here is that NewRez LLC already holds the current mortgage for the property I am attempting to refinance. I am not borrowing any additional principal ; I am simply refinancing to take advantage of the lower mortgage rates. The difference in interest rates between the current and new mortgage is costing me {$300.00} per month which NewRez LLC is stalling to continue to collect from me. 

It has become clear that Newrez is simply utilizing irrelevant and redundant document requests to delay and discourage me from refinancing this loan. 

I have a high credit score, have not had any lapse, or change in employment or income in the last 5 years, and I am only refinancing half of the market value of the property

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
I submitted claim # XXXX on XX/XX/XXXX and in the response, I received an apology for the companies negligence in providing detailed and accurate information. However, in the claim, the company provided inaccurate information yet again in the manner in which I am to sign the modification documents ( spouse is XXXX and signing via XXXX ). 

I signed just as Mr.Coopers legal team placed in writing and I also signed underneath it with my husbands middle initial included. Now, once again, Im told that this is inaccurate and that the documents must be signed yet again! 

Ive been told several different ways to sign and I know that anything In writing supersedes all other forms of communication. Their response to the CFPB tells me to sign my name XXXX of XXXX XXXX. Being that I was a former XXXX XXXX and a XXXX  XXXX, I signed the way it was indicated on the response and the same manner below it but included my husbands middle initial. 

Now, Im told again that it is incorrect! Im constantly getting voice mails and calls because their departments dont speak and I was also told that my documents should be received as an exception due to yet another error on their part! I received a call on Sunday, XX/XX/XXXX and was informed that I would receive a call the next day but this didnt happen. I sent an email to XXXX XXXX on XX/XX/XXXX, received a call on XX/XX/XXXX, and was informed that he would reach out to me that afternoon after submitting for an exception with his AVP. It is now XX/XX/XXXX and there has been no resolution. 

What could possibly be so difficult? Are they forcing me to go through with the scheduled XXXX on Saturday and refusing to reply? Ate their intentions to further stress me and prolong my Mortgage and cause me to be in default? Are they nonchalant and think that nothing can be done to their company and its ok to treat their customers like this? What? Im stressed and losing sleep while they continue to give bogus information and zero resolutions. 

Will you please help! Why is it ok for me to suffer due to their incompetence?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I HAVE NOW DONE THIS 4 TIMES AND THIS IS NOT ACCEPTABLE BY ANY MEANS!! 

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF and this is the FOURTH complaint I have filed since XX/XX/XXXX due to your delays and claiming you need authorization which I have already clearly given in the past complaints filed! There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. My initial dispute was submitted to you on XX/XX/XXXX and I never received any reply. I then sent a 2nd dispute on XX/XX/XXXX ; which still resulted in NO responses from the bureaus! So I sent a 3rd dispute on XX/XX/XXXX. I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes. This is now the 4th complaint I have filed since XX/XX/XXXX because you keep claiming you need authorization which if you see the FIRST line of my complaint, I am clearly giving!

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 2021-05-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Two new accounts were opened. Credit score was reduced from XXXX to XXXX indicating the use of new credit lowered my score. I am retired and have a {$42000.00} personal annual income. The credit I am using is {$2700.00} which is 0.0644 % of my annual income. I have no mortgage, auto loan payments other than monthly credit card debt which is paid in full each month. The two new loans were for the purchase of {$320.00} and {$1100.00} items on a vendor promotion. Payments are {$28.00} and {$99.00} respectively and are debited from my checking account automatically on a monthly scheduled payment schedule until each item is paid in full over 12 months. See results below. 
On XX/XX/XXXX your score decreased by 8 points.

Credit Used The percentage of available credit that you're using increased, from 2 % to 3 %. 
Total Debt The amount that you owe on loans and credit accounts increased, from {$1600.00} to {$2700.00}. Examples of loans include student loans, personal loans, and mortgages. Examples of credit accounts include credit cards and lines of credit. 
Available Credit Your available credit increased, from {$83000.00} to {$84000.00}. 

TransUnion Credit Report Check your credit report for signs of theft, fraud, or error. 
Updated : XX/XX/XXXX Accounts & Balances You have a total of 26 accounts, 9 of them are open, and 17 of them are closed. 

1 New 1 Negative 0 Disputed Balance Breakdown Credit Cards {$2700.00} Real Estate {$0.00} Auto Loans {$0.00} Personal Loans {$0.00} Other {$0.00} {$2700.00} Total Balance Owed Inquiries Number of times that lenders have reviewed your credit report. 
2 Total Public Records Number of records provided by county, state, and federal courts.

0 Total Personal Information Information that you've supplied to lenders. 
XXXX XXXX XXXX Birth Date XX/XX/XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX Ct XXXX, FL XXXX Employer Name 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 2021-05-21 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: CITIBANK, N.A.
State: MA

Complaint narrative:
Purchased a product on XX/XX/2021. The merchant website listed the product as in stock. It wasn't. It says if it's not in stock it takes 30-60 days to receive. It's now been 21 weeks and I haven't received the merchandise. I filed a dispute and Citi card said I am responsible which is absolutely ridiculous. The merchant has fraudulent advertising on their website and the credit card company is not protecting me as they should.

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 2021-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attempted to correct my name and address with all three credit bureaus and they have not corrected my name, former names and current addresses. 

I have informed them all names listed as my former names are incorrect. I have never had or been referred to as any other name than the name noted on my proof of ID. 

I have also informed them on countless occasions to remove the incorrect addresses, as well and they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: Conn's, Inc.
State: TX

Complaint narrative:
This is a formal complaint against Conn 's XXXX Inc. located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND XXXX distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Conn 's XXXX Inc. has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
THIS BANK IS NOT COMPLYING WITH ITS POLICIES IT IS HOLDING ME RESPONSIBLE FOR A FRAUDULENT USE THAT WAS ON MY CHECKING ACCOUNT. IT SAYS TO SEE ME SENT AN ALERT TO PREVIOUS NUMBER XXXX XXXX THIS NUMBER IS NO LONGER MINE I CHANGED THE NUMBER WHO COULD SEE ACCEPTED IT WAS SAFE THE NEW PEDIETARY OF THE NUMBER, MY XXXX WAS STOLEN AND THE TRANSACTIONS WERE DEPOSITED THAT ALL THE TRANSACTIONS REPORTED WERE STOLEN BECAUSE THEY WERE DONE IN A FRAUDULENT WAY, THIS IS ALREADY MY SECOND COMPLAINT THROUGH THE CONSUMER AGENCY, THEY SENT ME A RESPONSE THAT I HAVE ALREADY SEEN BUT THE DECISION THAT THE BANK IS MAKING IS AN ERROR, I NEED TO CORRECT THAT AND GIVE ME MY MONEY IN MY BANK ACCOUNT, PLEASE INVESTIGATE THAT THIS BANK IS PROVIDING THE CORRECT SERVICES TO CUSTOMERS, SINCE IT IS NOT COMPLYING WITH MY WELLS FARGO CUSTOMER RIGHTS, I RESOLVE THAT IT IS RESOLVED TO ME .. PLEASE FINE THIS BANK AS IT IS NOT HELPING ME .. 

Prepaid / Debit / ATM XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: CA

Complaint narrative:
We have made several attempts with XXXX XXXX to correct the inaccurate information on our credit report. Account was paid in full and close XXXX 2020. However, XXXX XXXX has shown not only a balance of around {$600.00} with late payments after the account was paid in full and close. Moreover, XXXX XXXX has charged off the account and sold our supposed debt to another collection agency. We have made numerous calls to XXXX XXXX trying to resolve this issue without results. Throughout the history of this account we made our payment on time and still and XXXX reported inaccurately and would constantly call us requesting payment on an account that was current. This is the reason why we ended up closing the account in 2020. We have also disputed this with the credit agencies but still the derogatory remarks remain. We are not at the point of seeking legal action against 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 2021-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I'm a Citi bank credit card holder for many years. On XX/XX/2021, I received the invitation to apply for the Citi gold checking account through Citi bank online banking. Since I just sold my house, so I decided to open the Citi gold and deposit XXXX. 
I received the debit card after a week, I went to a Citi bank branch to make a deposit. The teller told me my account was closed and I would receive a letter later. 
I finally got the letter today, the only thing mentioned in the letter is : Based on your previous Citibank application/or Citibank account activity, we are unable to approve any current or future applications. I call the number on the letter since I want to figure out what is my previous activity lead to the close of my account. I call the New Account Serving, they transferred me to the fraud department, and the fraud department transferred me to another department. I spent one hour and I had been transferred 4 times. Nobody would like to help me out. I'm so disappointed with Citi Bank Customer Service. 
I have 5 Citi bank credit cards for many years, and they sent me the invitation to apply the Citi gold checking through my online bank, the turnout is they shut down the new checking account for no reason.

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 2021-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
This is a formal complaint against Phoenix Financial located in XXXX, IN. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND XXXX distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX  and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Phoenix Financial has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
I opened up a bank account with Current bank on I think XX/XX/XXXX. I won a promotion through them for XXXX XXXX On Saturday XX/XX/XXXX, I go to transfer out these funds to my XXXX XXXX and these funds get LOST. I have been speaking back and forth to XXXX AND TO Current. Each blames each other and no one knows where my money is or when I will see it. Both companies can not tell me why the instant transfer even failed. XXXX ATLEAST has customer service but this Current bank only offers chat support and not even email support. I suspect their chat is only XXXX. as I check on XXXX XXXX I am seeing many complaints and concerns with this nee bank. Can you help? I included the proof of a supervisor daring me to try and contact them over the phone, and all my emails unanswered.

Company response to consumer: Closed with explanation