vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-13 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: NC

Complaint narrative:
I have sent multiple disputes informing Equifax of the inaccurate information that is being reported on my credit. They have knowingly violated my rights by not following the proper procedures and continue to report the inaccurate information. All communication to them is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: TN

Complaint narrative:
I sent out a dispute letter to Equifax on XX/XX/2020 and XX/XX/2020 in regards to inquiries incorrectly reporting. No changes have been made to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Regarding Freedom Mortgage loan : Old loan Acct number : XXXX and New loan Acct number : XXXX. I applied for refinancing of mortgage loan with the same company, Freedom Mortgage. Signed closing documents on XX/XX/XXXX. 

After multiple phone calls and emails to various departments, I was not able get answers and resolution to these issues. Issues of contentions are as follows : 1. I was not provided with an Payoff Statement and breakdown of charges at the time of closing. 
2. Payoff Statement that was provided at a later date had a different net dollar amount than what was stated in the XXXX Settlement Statement. 
Payoff Total Net : {$400000.00} ( Exhibit B ) XXXX Statement Payoff Net : XXXX ( Exhibit C ) Difference of : {$48.00} overpayment. 
3. Looking at the Payoff Statement provided ( Exhibit B ) -there were extra charges made on interest and late payment fee. 
Since we closed XX/XX/XXXX : I should only be charged with interest for XX/XX/XXXX to XX/XX/XXXX in the amount of {$1400.00} ( See Exhibit A ). However, I was charged {$2400.00}. There was an overpayment on interest in the amount of : {$1000.00} Furthermore, I was charged with a late payment fee of {$100.00} but no document was provided to me by Freedom Mortgage why I was charged with late payment. 
4. Lastly, I have sent my XXXX payment in the amount, {$2900.00} to my old account and it was received by Freedom mortgage XX/XX/XXXX. However, Freedom Mortgage returned it to me after two weeks but {$78.00} less than what I have paid. Since all XXXX charges have been added to the Payoff note, I should have been refunded the full amount of my XXXX payment. 

This is time-sensitive since Freedom Mortgage has sold my mortgage loan to XXXX XXXX. I would like these issues resolve before the sale transfer.

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 2021-04-13 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a credit score with XXXX and XXXX, but nothing from TransUnion.

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 2021-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX calls my aunt 's house frequently looking for me. Caller ID identifies based off company name, that XXXX is a debt collector. Upon answering, voice recording says " if you are not " my name '' hang up, if you are " my name '', please press one. '' This identifies to anyone who answers that I owe a debt to XXXX XXXX. This is a violation of fcra and privacy laws surrounding debt collection. 

Upon pressing 1 to try to speak with them the phone rings several times, but no one answers, and eventually the line goes dead.

They are not calling to communicate with me ... or they would answer the phone after pressing one. Instead they are announcing to anyone who answers the phone that I owe them a debt, with no intention of actually communicating with me about said debt. This is a violation of the fcra and laws surrounding communication tactics allowed by debt collectors.

I provided an image of caller ID, and what info can be found out by anyone who does a XXXX search of the company name. Associating my name with their name tells anyone who answers the phone when they call that I owe a debt collector a debt which is in violation of " The Fair Debt Collection Practices Act says that absent express permission from the debtor, a collector may not communicate with anyone about a debt other than the consumer, and certain people such as attorneys. '' Just by calling and identifying themselves and playing a recording of my name to anyone who answers, violates my rights. Whether they identify as a debt collector in the recording is irrelevant because of the information age, a simple search reveals their intentions.

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 2021-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
My mortgage holder 5/3 bank erroneously paid the ( previous home owners insurance company ) with my Escrow account resulting in {$1200.00} shortage in my account. I had paid my insurance in full for the year prior to them dispensing funds from my escrow account to someone else 's account. This has raised my house payment an additional XXXX per month. They also failed to pay my property taxes and I have receives a tax lien/ sheriff sale threat against my property from the County Treasurer. I have been trying for months to get the resolved by 5/3 and the Manager will not even return my phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Pentagon federal credit union ( PENFED ) Fraudulently processed a personal loan application that was never applied for by me. I called them in regards to the rejection letter they sent me. The rejection letter has information that is wrong and is correlated to a loan that was never actually applied for, by me. They could not verify who applied for the loan, the source that the loan application was actually originated from, and said that they had deleted the information pertaining to my fraudulently opened loan request ... .thus hiding their wrong doing. The letter was issued at the end of XXXX and received the end of the first week of 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 2021-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America had an error in its PPP Loan Forgiveness Application for my business ; it had pre-filled the amount to be forgiven with an incorrect number ( {$3300.00} ) but I didnt catch that mistake until after I submitted the application. The full amount was {$10000.00} and indeed my business spent that amount per the terms of the Cares Act. I tried, unsuccessfully, with Bank of America to have them rectify the error but they informed me the forgiveness application could not be changed as it had already been sent to the SBA. I emailed the SBA and spoke with their XXXX office ; they told me to deal with the lender, Bank of America. I have spoken repeatedly with the bank they tell me to deal with the SBA. The bank refuses to defer my ( erroneous ) loan payments while we try and sort it out. 

The SBA may indeed need to be involved to rectify the situation, but Bank of America should exert leniency related to the loan payback in the meantime, especially since it is the entity that made the mistake!

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 2021-04-13 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:
XXXX XXXX is climbing I owe them money that I do not owe them I never opened up or used or applied for a XXXX XXXX credit card or account I did not buy anything from XXXX I have reported this to them numerous times they have yet to take it off my credit report or resolve it I am in the process of hiring a lawyer and also getting a lie detector test to prove that this debt is not mine once I prove this I will take it to court and get XXXX XXXX to pay my court cost and the cost for my lie detector test this is the only way I know to do get them to take this off my credit report and resolve this

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 2021-04-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: OH

Complaint narrative:
Regarding forbearance, which I engaged until XX/XX/XXXX. In XXXX, I signed modification papers, sent them and made the first payment in XXXX. Then I sent the second payment in XXXX and it was returned to my bank. On XX/XX/XXXX, I contacted Flagstar about it and was told they hadn't returned any payments - I showed them proof but they keep ignoring my request for help - and the fact that I'd notified them in XX/XX/XXXX of my divorce and Successor In Interest status. I have gone back and forth with them on several issues, to which they want to verbalize but do not want to put information in writing to send to me so I can actually look at it and make actual INFORMED decisions, unlike the modification I was forced to do in XX/XX/XXXX and the verbal arrangement ended up not matching the written - choice was sign it after making payments for 3 months or lose my house. 
In XX/XX/XXXX/XX/XX/XXXX, I submitted information after the forbearance had continued, to the loss mitigation department. They send letters stating information is missing and I keep resubmitting what is on the list but they won't send me a list of what's missing only a notice. 
They have not complied with several requirements - some of which deal with things being done in a timely manner. I file complaints, they jibber jabber and then the complaint gets closed even though all I am asking is for information about financing, missing documents, etc to be sent to me in WRITING - whether it be by Fax, Email or Mail. And they simply flat out refuse that they don't have to put anything in writing at my request..I have to call and talk to someone - from the same department that misled me two years ago. I have financing set up with another mortgage company but until this matter is resolved by Flagstar I can't move forward to assume the mortgage.

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 2021-04-13 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: WV

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
To whom it may concern, We have lit. spend hundreds of hours trying to clear up a mess Barclay bank has made! 

1. It started with a chargeback for XXXX that was charged to us that was not authorized twice ( one was credited back the other was not ) we only authorized XXXX to this via trip avisor and so disputed such All we got was a complete run around of the cvc chip was scanned but was not, then stating merchant has not violated terms??? 

Never did we get the funds back despite the tons of calls to XXXX and the XXXX which are your customer service agents. And sent tons of documents in dispute 2. Then we got a charge on the card but was kept being told it was interest with a zero balance Finally we asked the card to be canceled and cleared up and never hear from Barclays again. The statement Being doctored many times by your agents it appears. 

3. Now not only did we never get the credit but you hit our credit report losing 85+ points over your continual mistakes Please clear up our account a credit would be nice but at this juncture just want our credit restored from YOUR Continual mistakes XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Oregon XXXX XXXX XXXX XXXX Cell XXXX XXXX XXXX Office

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 2021-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CO

Complaint narrative:
IQ Data International is falsely reporting ( to all three credit reporting agencies ) a debt that is not owed and attempting to collect that debt. Their client ( XXXX XXXX ) has written a letter, on XXXX 's letterhead, noting they have no record of such debt. I sent a request for validation, and it was received by IQ Data Int. on XX/XX/XXXX, and a copy of the XXXX letter was sent along with that ( and again on XX/XX/XXXX ). IQ Data Int. has not provided any response to said letter to date. XXXX XXXX XXXX. confirms that they have no, and have not asked for from their client, any documents that would validate this debt ; rather, computerized communication is used to " validate the debt ''. Despite the letters and phone communication with IQ Data International, they refuse to make any effort to confirm the debt, beyond a computer survey, and hold no documents that verify that I am the intended debtor and/or that the debt is legal/owed in any way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The online account system keeps deleting my home phone number. It concerns me that someone is removing information from my account without my authorization. I have emails from Synchrony Bank each time I have put my home number in confirming the change. I have no emails that it is removed but when I log in a few days later my home number is gone. My concern is there may be an issue their account security system or a rouge internal synchrony employee is going in to my account and making these changes. Either way it is a great concern. The emails from Synchrony Bank are XX/XX/2021 and XX/XX/2021 ; XX/XX/2021.

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 2021-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX i called Sychrony bank/XXXX because i was unable to access my account. They advised that i had called in claiming the account was open via fraud and i didnt open my account. They closed my account. However i never called and every time i call in they only ask for my name and then claim its verified. The company said because it wasnt fraud because the person called in with all of my account info. they refuse to investigate to as its not their issue and i cant listen to the call to confirm its who it is. This is the 2nd time that someone was able to make fraudulent claims/charges on this account in less than 3 months. They wont let me speak to a manager. I have been given zero documentation on this.

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 2021-04-13 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:
XXXX XXXX is climbing I owe them money that I do not owe them I never opened up or used or applied for a XXXX XXXX credit card or account I did not buy anything from XXXX I have reported this to them numerous times they have yet to take it off my credit report or resolve it I am in the process of hiring a lawyer and also getting a lie detector test to prove that this debt is not mine once I prove this I will take it to court and get XXXX XXXX to pay my court cost and the cost for my lie detector test this is the only way I know to do get them to take this off my credit report and resolve this

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 2021-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
I would like to submit another complaint regarding my taxes. After Flagstar acknowledged that they were wrong in paying my taxes, which are deferred due to XXXX, they sent me a demand letter via XXXX. In this demand letter they stated I have 30 days from the date of this letter to pay {$35000.00} in back taxes. This is ridiculous! How do they expect someone, who is XXXX to come up with this type of money? I have attached all correspondence for your review.

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 2021-04-13 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: NY

Complaint narrative:
Hello, I did not consent to, authorize nor benefit from any of the following inquiries on my credit report. Block and Remove I am also attaching a copy of my XXXX letter report that I filed as well for Identity theft. Please see all attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I have been XXXX. I was unaware my account was overdrawn because I was hospitalized due to XXXX. While in the hospital my account accrued nearly XXXX dollars in over draft fees and a credit from a dispute for a room I never even should have been charged for was also reversed. 

I was not able to even understand what was going on around me while XXXX. I told them this and the fact I been not working and they offered to take the balance down by XXXX dollars only. Really? This is insane also two atm fees XXXX and the other for XXXX was charged when my account was long in the negative there is no way that the atm transactions went through I have a list of these fees this heartless bank is trying to take from me but I am not able to pay XXXX dollars. If I knew my account was overdrafted I would have paid but I was hospitalized and unaware. What do they want me to do? This is terrible greed of a bank. Going after one who has little. It's sad. I attached all the fees gathered while I lied in a hospital bed.

Company response to consumer: Closed with monetary relief