vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: NJ

Complaint narrative:
I use a mortgage company called United Wholesale Mortgage ( UWH ) based in XXXX NJ. I refinanced with the mortgage company for a lower rate on my 15 year conventional mortgage. We closed the refinancing on XX/XX/2020. The mortgage company owes me {$8700.00} from the Escrow and overpayment of the Mortgage. I have yet to receive any check back from the Mortgage company. I have called multiple times to inquire and have still not received any money back from the company. Every time I have called, I have been promised an escalation and that the refund check would be sent to me immediately. Nothing has happened. I called for the 5th time today, and again customer service told me only a XXXX can help me and there is no XXXX available. 

I get the sense that this is a tactic the company uses to slow down or stop refunds checks back to customers. The customer service has been terrible and I want to lodge a complaint as this is money that my family needs during this tough time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: GA

Complaint narrative:
Hello, my identity was stolen several years ago. While I was at work someone stole my wallet with all my identifing information in it. They had rented a car in my name and gotten several forms of credit. I did not know any of this until I was stopped for a random traffic stop and the police stated all of this to me. I am now trying to correct issues that were made to my credit history. I would appreciate your prompt attention to this 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 2021-02-27 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I've sent in multiple letters to include ones that were not responded to within 30 days. I've sent in a letter on XX/XX/XXXX, XX/XX/XXXX. I also sent in multiple fax documents to verify identity and list of fraudulent activity on my account. As of XX/XX/XXXX nothing has been done and every time I talk to someone on the phone I get a different answer on what the policy is to remove fraudulent activity/inquiries. 

As of today, I am extremely concerned that Equifax is breaking the law by telling consumers that they must pay for an attorney to notarize my documents before they can take action. I spoke to a floor supervisor named XXXX, he said his badge number is XXXX and as of XX/XX/XXXX all consumers who are victims of fraud must obtain an attorney to notarize any documents I send in as proof of fraud. Additionally, that they will no longer accept FTC or police reports as verification of fraud. In today 's time this is extremely hard to pay hundreds maybe even thousands of dollars to obtain an attorney for erroneous inquiries on my account. I believe this is unfair to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: OH

Complaint narrative:
I received a copy of my credit report and I am disputing some items that need to be deleted. The reason for the dispute is in the month of XX/XX/XXXX I made a payment on the XXXX XXXX XXXXXXXX, a payment on the XXXX XXXX XXXX XXXXXXXX in XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX in the month of XX/XX/XXXX, and which this account is on my report twice, XXXX XXXX XXXX XXXX XXXX a payment was made in the month of XX/XX/XXXX. The Fair Credit Reporting Act Section 609 [ 15 USC 168lg ] bureau should send me all applications being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: OH

Complaint narrative:
I received a copy of my credit report and I am disputing some items that need to be deleted. The reason for the dispute is in the month of XX/XX/XXXX I made a payment on the XXXX XXXX XXXX a payment on the XXXX XXXX XXXX XXXX in XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXn the month of XX/XX/XXXX, and which this account is on my report twice, XXXX XXXX XXXX XXXX XXXX a payment was made in the month of XX/XX/XXXX. The Fair Credit Reporting Act Section 609 [ 15 USC 168lg ] bureau should send me all applications being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this 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 explanation
Consumer complaint received 2021-02-27 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Hyundai Finance, XXXX XXXX XXXX, 36 month lease, started on XX/XX/XXXX, {$490.00} per month, during the pandemic I was late 60 days and applied for deferred payment plan for 3 months an than another 3 months during that period they reported the account late and effected my credit rating to date the account is up to date. 

Kia Finance, XXXX, XXXX, 36 month lease, lease started XX/XX/XXXX, {$220.00} per month, during the pandemic I was late 60 days and applied for deferred payment plan for 3 months an than another 3 months during that period they reported the account late and effected my credit rating to date the account is up to date.

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 2021-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Consumer Adjustment Company Incorporated
State: OH

Complaint narrative:
XXXX has marked my account down for XXXX points for a new collections account being added. Consumer Adjustment Co is the collections company. I look at my report and all the accounts show as old, and that there is no new collections. I think Consumer Adjustment Co has re-aged old collections to look new and thus hurt my credit score. They have done this two other times in the past. That is the only explanation that seems reasonable. Or this credit bureau is discriminating against me because of my race or gender, or both cause there is no new collection on my report. I do not acknowledge the debt as valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: IL

Complaint narrative:
I discovered I was enrolled in a financial service with US Bank XXXX XXXX XXXX '' on my checking account. I was not aware of this account and the actual cost related to this. I saw the line-item ; however I was not clear what it was. I thought it was just a bank benefit that would become active if used. Then I saw the line item on my statement Auto Payment XXXX XXXX XXXX and when I called US Bank, the Customer Service Rep confirmed it was an actual XXXX XXXX  Account and I was getting charged. Most upsetting was that I was not aware of the enrollment, and especially the XXXX XXXX interest rate. 

I never used the funds. I made an appointment with a banker with little response. I started the conversation early XXXX and by XXXX, he indicated there was nothing he could do. I paid the balance off as I felt I had no choice but now I see it's impacting my credit negatively.

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 2021-02-27 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My rental history payments have each been made before the court date. Back in 2019. And they are still showing as not satisfied. The landlord has confirmed all have been satisfied

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized, Also my personal information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XX/XX/XXXXXXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
10. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 



FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XX/XX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX XXXXXXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 8. XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 11. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XX/XX/XXXX XXXX Reported Identity Theft ) 13. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 14. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Today XX/XX/XXXX XXXX XXXX  notified me that care credit had closed my account. I called spoke to a woman who said sorry I don't know the problem you will get a letter in up to 20 days, I said no I want to know why now. She said it was closed due to none payment. I said how is that when I am never late and sometimes pay twice a month. She said she was not sure it's just what it is. I said I want to speak to a manager. Manager said the account is closed do to late payments on other cards ( not true, I have 100 % good payment history ) and one returned payment. I told her this was the first time, something came out of my bank unexpectedly and also that it was not a regular payment for this month it was a second. I said also I can not pay my card because I can't get on the website or app to pay, she said it was to bad because interest fees will accumulate and credit will get ruined further for non payment. 
She said the account is closed nothing she can do. I told her I will report this. They ruined my hard work on bringing up my credit. This should not be allowed.

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 2021-02-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Iconic Mortgage Corp.
State: CA

Complaint narrative:
I was first contacted by XXXX XXXX, a loan officer with Iconic Mortgage IncXXXX on XX/XX/2021. He expressed the current interest rates my eligibility to refinance through the VA XXXX program. I told him that I would get back to him on a decision. About a week went by and during that time he kept messaging and contacting me about the rates they had available. Eventually we spoke on the phone XX/XX/2021 when I let him know that I was interested in applying for the refinance. I provided him the social security number of myself and my wife. Which there was a credit check done on my report. He then went on to explain that there would be notary sent to my house to complete the application process along with the title paperwork the next day XXXX XX/XX/2021 ). The next day I received a call from a number stating they are the notary to meet with me at XXXX XXXX. However later that day I received a call from a woman whom said she was with the title company. She expressed that they didnt have all of the paperwork ready for the notary and want to reschedule for the next day, I agreed. However, since that day XX/XX/2021 I have not heard from anyone. I have sent text messages, phone calls and voicemails without a response. This is odd that there was not any problem contacting me previously.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I refinanced my home in XX/XX/XXXX to a lower interest rate. Several weeks before closing, as instructed by my new mortgage company, I contacted the old loan company " Specialized Loan Servicing '' and instructed them not to pay my real estate taxes as the new company would be paying them for me during closing. They said they noted my account and this would not be an issue. They still ended up paying my real estate taxes to the county tax collector. This created a duplicate payment of {$1800.00} that was sent to the local tax collector ( XXXX XXXX XXXX. 

I have been following up with Specialized Loan Servicing on this issue since XXXX and been told may different stories. The main story is that they still haven't received the refund check from the local tax collector XXXX XXXX XXXX Tax Collectors Office ). I called on XX/XX/XXXX and spoke with a supervisor at the Tax Collectors office that looked everything up and verified that the refund check was sent and the check has cleared their bank. The supervisor provided me with the following information : Check # XXXX, XXXX {$1800.00}, Cleared on XX/XX/XXXX. 

I have made over 20 calls to Specialized Loan Servicing regarding the funds that belong to me in the amount of {$1800.00} and still have no ETA on when I will receive my money back. The company needs to go back and listed to the multiple " recorded calls '' I have made to their company.

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 2021-02-27 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: IL

Complaint narrative:
Ive reached out to TransUnion on numerous occasions in regards to two unauthorized inquiries that have not been removed. The two inquiries are XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXX/XX/XXXX Date : XX/XX/XXXX As a result I am requesting for these two unauthorized inquiries to be removed from my consumer report. This should NOT be reporting as I, XXXX XXXX, did not submit any applications to neither of these lenders for a line of credit or any banking services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-27 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: MS

Complaint narrative:
On XX/XX/2021 and XX/XX/2021 I mailed a letter concerning unknown and inaccurate information on my credit report to this day over 30 days the bureaus have not responded to my request. My life feel crippled and all my disputes are being ignored. Section 611 ( a ), it is plainly stated a failure to investigate these items within 30 days gives a reason too immediately remove those items from my credit report it has been over 30 days so they should deleted at once. 
I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and my have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I contacted Equifax over 10 times in the course of 1 month to remove " dispute comments '' from a consumer report. Each customer service representative promised it was done correctly and 3 days later the comments would still be there. The process should take 1-2 days total. It took me over a month. The reason to remove the comments was extremely important. I was attempting to close on a mortgage. As you can guess that didn't happen in the time frame I needed and the loan was declined. I had to start completely over with the loan process and loss the bid on the house along with money. This is unacceptable on all levels. The English barrier continues to be a huge issue when calling. The customer service representative doesn't speak or understand English well. This needs to be addressed. You can not allow this to continue happening. Surely I am not the only person who has experienced this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: ID

Complaint narrative:
On XX/XX/XXXX, I locked in an interest rate on a mortgage refinance with Loandepot. 

On XX/XX/XXXX, I received an email from Loandepot stating that my loan had been approved and asking for recent statements. I provided the requested statements the next day ( XX/XX/XXXX ). 

On XX/XX/XXXX, an appraisal report was delivered to Loandepot. 

On XX/XX/XXXX, additional bank statements were requested. I provided the statements to Loandepot the same day. 

On XX/XX/XXXX, Loandepot informed me that my loan was sent in for final approval and that a response would take 2 - 3 days. 

On XX/XX/XXXX, Loandepot informed me that my closing disclosure was ready. I reviewed the disclosure and found it to be inaccurate. I requested a corrected closing disclosure. After numerous requests for a corrected closing disclosure Loandepot has yet to provide one ( today 's date is XX/XX/XXXX ). 

On XX/XX/XXXX, Loandepot scheduled the closing signing for Friday, XX/XX/XXXX, at XXXX XXXX, at my home address. 

On XX/XX/XXXX, prior to XXXX XXXX, I was contacted by the mobile notary contracted by Loandepot and informed that she had not received the closing documents. I contacted Loandepot and was not offered an explanation. Loandepot did not provide the closing documents to the mobile notary. 

On XX/XX/XXXX, Loandepot contacted me to schedule the signing of the closing documents a second time. We discussed scheduling the signing for XX/XX/XXXX, at XXXX XXXX., at an address in Arizona ( due to travel plans, Loandepot agreed to schedule the signing at the Arizona location ). Loandepot never followed-up and never scheduled the signing. 

After numerous phone calls to Loandepot between XX/XX/XXXX and XX/XX/XXXX, and with several promises by Loandepot customer service to have someone contact me to schedule a document closing, I finally spoke with XXXX XXXX, Sr. Account Manager with Loandepot XXXX XXXX XXXX assured me that she would provide me with a corrected closing disclosure by close of business Friday, XX/XX/XXXX, and agreed to schedule the closing for Tuesday, XX/XX/XXXX. 

As of today, XX/XX/XXXX, I have not received a corrected closing disclosure or a confirmation of the closing schedule. 

Additional information : as early as XX/XX/XXXX, my current mortgage holder indicated that Loandepot had, via business to business transaction, assumed management of my mortgage. This, despite the fact that I have not signed any closing documents.

Company response to consumer: Closed with explanation