vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
1. On XX/XX/XXXX the dishwasher in my house failed and released water. The house is a raised ranch built in XXXX. Most of the damage was drywall and related which affected the lower, basement level. 
2. On XX/XX/XXXX the insurance company paid out ~ {$100000.00}. In a check payable to me and lender PNC BANK. 
3. I sent the check to lender PNC BANK. 
4. I explained in great detail and included pictures to document that it would be non-economical to make repairs as the house sits on 4 acres of prime wooded land in the City of XXXX, and that the highest and best use of the site is eventual tear-down of the single structure on the house and development of multi-housing sites. 
5. The Hazard Insurance clause in the HELOC agreement states 4 Unless Lender and Borrower otherwise agree in writing, insurance proceeds shall be applied to restoration or repair of the Property damaged, provided such restoration or repair Is economically feasible or if the security of this Mortgage is not thereby impaired. If such restoration or repair is not economically feasible or if the security of this Mortgage would be impaired, the insurance proceeds shall be applied to the sums secured by this Mortgage, with the excess, if any, paid to Borrower. 
6. Lender PNC BANK refuses to allow the insurance proceeds be used to pay down the HELOC balance which is {$250000.00}. 
7. This is the latest email thread from XXXX XXXX XXXX. PNC BANK intends to sit on the money for years until the mortgage is paid down to {$100000.00}. This is a breach of the HELOC paragraph 4. 
XXXX XXXX is an attorney at XXXX XXXX, and PNC BANK is XXXX XXXX client RE : XXXX XXXX PNC XX/XX/XXXX XXXX : PNC has advised that it will not apply the proceeds to the balance. You will either need to apply the proceeds to the repairs or the funds will remain in restricted escrow until the loan is paid in full. I wanted to communicate this to you in advance of the hearing tomorrow in case you wanted to proceed on our motion to dismiss. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX From : XXXX, XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Cc : XXXX, XXXX XXXX Subject : RE : XXXX XXXX PNC Thanks, XXXX : I dont make the call so I have to wait for PNC to advise and I will be in touch. 
Thanks, XXXX XXXX XXXX XXXX XXXX XXXX From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX XXXX Subject : Re : XXXX XXXX PNC EXTERNAL E-MAIL - From XXXX XXXX : XXXXhats a no brainer. Comps for 4 acre wooded parcels or similar w/in the City ( not unincorporated ) See attached 2 docs On Tue, XX/XX/XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX wrote : XXXX : I am waiting to hear back from PNC as to whether it will apply the insurance proceeds without an appraisal or other confirmation that the security interest has not been compromised. I will be in touch. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XXXX 2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX 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 2022-02-25 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
On XX/XX/2022 I contacted Nordstrom Credit Card Services via USPS Priority Mail # XXXX My purpose of contacting the company was to properly address their violation of FCRA 15 USC 1681a 2Ai Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; by reporting this transaction or experience ( Utilization ) on my consumer report which CONGRESS clearly states IS NOT included on my consumer report I have properly attached all documents that are needed for verification as originally sent with the original letter ( this would include the account numbers along with my id and proof of address ). The response of the company was not acceptable by any means as it was clear to be a stall to disregard my concerns and my demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo, currently holds our mortgage. Initiated the process to refinance before rates go up. Submitted paperwork, etc, got the ball rolling. The appraisal was ordered. The appraisal came in at $ XXXX. This puts us at 62 % of value vs equity, kicked the rate up, XXXX was added to our refi amount without any explanation. Back to the appraisal. The appraiser put us at approximately 2100 sq ft above grade, 700 ft below grade. We live in a split level. The lower level is actually even grade with our driveway. Two things about this. Based on the appraisers OWN COMPS, 2100 sq ft would have put us well over XXXX in appraisal value. The house is in great shape. We have made improvements and maintained since we purchased. Two, Wells Fargo had initially given us a mortgage based on an appraisal of 2800 sq ft above grade space. 
We were VERY unhappy with the outcome, the response from our Wells Fargo rep, and shopped out the refi. We have started the process with another company. The appraiser for the new company came out. The appraisal came in at $ XXXX. HUGE disparity. Our rate and payment is now in line with what we were told to expect. Wells Fargo is scamming. Shame on them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX of XXXX, I applied to a COVID mortgage forbearance that was being offered by Wells Fargo to customers struggling during the pandemic. The words that was used online and over the phone was that my loan will be on an interest and penalty free forbearance. After the the forbearance I will continue making regular payments, and at worst my loan will continue longer than the original term ( 30years ). At the time, my loan balance was about {$210000.00}. I started making making 11 months after the forbearance. My current balance shows {$200000.00}. 

Now I am in the process refinancing with XXXX XXXX  and was approved. The XXXX mortgage financing team found that Wells Fargo put a lien on my home for the balance of {$21000.00}. I called Wells Fargo and they let me know that is what I owe because of the forbearance. Now that I am refinancing, I have to pay my normal balance of {$200000.00} plus an additional {$21000.00} because of the forbearance equalling over {$220000.00}. Note that I originally purchased my home at {$220000.00} in XXXX, that those numbers are preposterous. 

This is not at all what I agreed to. I expected a forbearance just like a student loan forbearance. I feel that Wells Fargo took advantage of the situation without sympathy. Adding an additional {$21000.00} to any customer 's mortgage goes against morality and should be against law. COVID relief of any form should be there to help people in need without strings attached. Loan sharking should be completely outside major institutions like Wells Fargo. Wells Fargo knowing I was under stress should have been sympathetic and should have explained in person what will happen to my loan if I agree to their forbearance. Furthermore, the {$21000.00} should not be paid by me, or that amount should be deducted from my loan. My total balance in my loan now should be only what I owe which is {$200000.00} only.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: CA

Complaint narrative:
I reached out to all three credit bureaus XXXX, XXXX and Equifax by mail regard the inaccuracies of this account. XXXX loan mark this account is reporting inaccurate please see the attached reports XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Equifax, XXXX and XXXX This account is reporting as open and active this is inaccurate. Please delete this inaccurate account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I reached out to all three credit bureaus Experian, XXXX and XXXX by mail regard the inaccuracies of this account. XXXX loan mark this account is reporting inaccurate please see the attached reports XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX, Experian and XXXX This account is reporting as open and active this is inaccurate. Please delete this inaccurate account from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
RE : Incorrect mortgage 90-day late reporting XX/XX/XXXX on my credit reports which in forbearance I have a forbearance agreement dated XX/XX/XXXX for my Rushmore mortgage loan # XXXX. 

It confirms my forbearance arrangement was from XX/XX/XXXX to XX/XX/XXXX and it states I am eligible to extend for up to 250 days. 

XXXX now is my servicer and they are reporting my mortgage since inception XX/XX/XXXX correctly so having Rushmore report as another mortgage during these same dates makes it look as if I had two instead of one mortgage, in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I have submitted for assistance from Mr. Cooper. They did advise me that my documents are there but were just sitting there. I asked why they were just sitting there and was given the runaround. No one could give me an answer.. I called numerous times and finally I was advised by XXXX XXXX based in Arizona, that the reason theyre not reviewing my file is because I have an attorney on record.They insisted that my file needs the bankruptcy attorney 's consent. Why did it take them so long to advise that? That would have been simple to provide but it also does not make any sense. Please see attached document from the bk court stating that and I quote- It is further ordered " in addition to potentially pursuing other loss mitigation alternatives including but not limited to, a loan modification. '' After going in circles I was then advised that my file will not be reviewed as it is a commercial property. So which is it. It is not a commercial property. I live in my house. It is a single-family residence. Not a commercial property, it's not rented out. I actually live there. I am a XXXX XXXX XXXX vet and I do not pay property taxes. That would not be the case if this was a commercial property or non owner occupied property. 
Please see attached utility bill showing that I live there and please also see attached documents from the county. Please also see my mortgage statement which shows the property and mailing address as the same. At this point I feel like I am being discriminated against based on my age and XXXX. My file has been neglected and looked over. Because I am older doesn't give anyone the right to ignore my inquiries. There is no valid reason why my file can not be reviewed for assistance. I do not want to lose my home. I have nowhere to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  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 2022-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On the week of XX/XX/XXXX, my CHECKING account got hacked into. The total amount taken from my CHECKING account was XXXX. However, I only got back XXXX. I called them again about where my remaining XXXX is they said they could not find a claim for that amount. So I thought, oh perhaps they somehow missed in our first conversation that the date of XX/XX/XXXX and onward are not my transactions. That includes XX/XX/XXXX. I made it clear, the only transaction that is mine is a payment to my credit card for XXXX and a XXXX of XXXX. Anything else was not mine starting XX/XX/XXXX up to XX/XX/XXXX. I called them several times only to be moved around from department to department for hours with no one able to help me. During this time my SAVINGS account was also hacked. I did get my full refund for that claim with no issue. It is only the CHECKING ACCOUNT that they have NOT funded me for the full XXXX dollars. Attached is proof of XXXX additional claims that make XXXX sense and are NOT the remaining XXXX that I originally asked for. I NEVER made a inquiry about the XXXX cents or XXXX cents. I did make plenty of inquiries and asking for the XXXX dollars that is still not returned ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXCLUSIONS its ILLEGAL TO REPORT INNACCURATE INFORMATION on my consumer report. 
DELETE ALL WITHIN XXXX DAYS

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