vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-28 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:
On or around XX/XX/2021, I noticed an account was opened at XXXX under my name and identity. The account was open fraudulently. I went to XXXX and notified them, did a police report, filed an FTC Identity Theft complaint, and placed a fraud alert on each of the 3 credit bureaus. Ever since XX/XX/2021, I have been going to XXXX and letting them know of the issue, asking for their help in resolving the problem. On XX/XX/XXXX, I sent a formal letter to XXXX on the matter, and provided copies of my SS, Driver 's License, FTC Complaint. As of today, nothing has been resolved, and the account still shows up under my name and in my credit files. XXXX has never contacted me back on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: PA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have been making extra payments towards my mortgage. I do this online manually- it's not an automated payment. When I go through the process, it asks how I want to apply the payment. I have a choice of principal only, regular payment, or escrow payment. I choose regular payment. 
Bank of America will only accept one extra " regular '' payment, and then starts applying my payments to principal only, but without telling me. I know exactly what I am doing, and I want to make a series of " regular '' payments, because it will achieve the same thing but will bump my due date forward. They have told me that I need to ask their permission to do this, and that the reason they do this is that it's in MY best interests to make principal only payments. I get to make my own decisions about what's in my best interests, and I disagree with Bank of America. Furthermore, they have demanded that I send them a letter " asking '' if they will grant ME permission to get further than 30 days on my mortgage, and they will only accept that letter via FAX ( hahahaha ) or US Mail. Apparently they feel that they have the option to deny me this " privilege '' if they feel like it. 
I find the whole situation incomprehensible. They WON'T let me get ahead on my own loan? They know what's best for me? Since when. I don't think this is legal, and I'd like an explanation. My money, my choice.

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 2021-05-28 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/2021sent 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 im 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to theXX/XX/XXXX 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 2021-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: FL

Complaint narrative:
On XX/XX/XXXX at XXXX I called XXXX Mortgage to make my regular monthly payment of {$2200.00} for the month of XXXX. I spoke to XXXX and she informed me that an escrow analysis was done on XX/XX/2021 and that a letter was sent to me dated XX/XX/2021 advising me that effective XX/XX/XXXX my payment is {$2700.00}. I told XXXX that while I understand there may be an escrow shortage Midland Mortgage has to provide me with a 30 day notice before any changes take effect and increasing my payment XX/XX/XXXX is a violation of XXXX XXXX XXXX transferred me to XXXX in the escrow department and I asked XXXX to transfer me to a supervisor. At XXXX I finally got to speak to XXXX XXXX a supervisor in that department only to hear the same information. They refused to take my payment of {$2200.00} because according to their system it was {$2700.00} Im extremely concerned that Midland Mortgage personnel seemed to have to have no clue about XXXX XXXX or what I was trying to explain. I wonder how many more mortgage holders who dont have knowledge of lending regulations they have done this to. Based on my conversation yesterday with multiple employees I think an audit needs to happen because I know I cant be the only client going through this with 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 monetary relief
Consumer complaint received 2021-05-28 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: AL

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. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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:
On or around XX/XX/2021, I noticed an account was opened at XXXX under my name and identity. The account was open fraudulently. I went to XXXX and notified them, did a police report, filed an FTC Identity Theft complaint, and placed a fraud alert on each of the 3 credit bureaus. Ever since XX/XX/2021, I have been going to XXXX and letting them know of the issue, asking for their help in resolving the problem. On XX/XX/XXXX, I sent a formal letter to XXXX on the matter, and provided copies of my SS, Driver 's License, FTC Complaint. As of today, nothing has been resolved, and the account still shows up under my name and in my credit files. XXXX has never contacted me back on the 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 2021-05-28 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:
On or around XX/XX/2021, I noticed an account was opened at XXXX under my name and identity. The account was open fraudulently. I went to XXXX and notified them, did a police report, filed an FTC Identity Theft complaint, and placed a fraud alert on each of the 3 credit bureaus. Ever since XX/XX/2021, I have been going to XXXX and letting them know of the issue, asking for their help in resolving the problem. On XX/XX/XXXX, I sent a formal letter to XXXX on the matter, and provided copies of my SS, Driver 's License, FTC Complaint. As of today, nothing has been resolved, and the account still shows up under my name and in my credit files. XXXX has never contacted me back on the 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 2021-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: NC

Complaint narrative:
I have $ XXXX on deposit with binance.us. they refuse to verify my account, trapping my money on their platform. I am a US citizien. my username is associated with the XXXX or XXXX submited my id, bank statements and everything and they refuse to allow me to access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received a call from a company called XXXX XXXX XXXX XXXX XXXX saying that I owed for a credit card I never had. In our conversation abusive language was used as well as threats. I couldn't get a word in to explain the situation. 
the amount of this fraud was {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: NV

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 40 days later I have not received a response. I feel like i am being taken advantage of and being ignored for 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 those items from my credit report. It is been over 40 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 2021-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-28 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: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Credit control this will be my last warning to you before taking legal action whenever you provide an ICD9 code and current procedure terminology Which is a coding system design for the medical diagnoses and procedures you on your company letterhead sent out what you called a debt validation I have the paperwork that you provide it to me via US mail I will be reaching out to an attorney on Tuesday to take the necessary actions you have a happy and safe memorial day weekend and you will hear from me very soon I promise you thanks credit control!!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: KY

Complaint narrative:
On XX/XX/2021 I had to sign over our deed back over to Vanderbilt Mortgage. After I and XXXX asked for a loan to improve the house for placing an foundation under our house mobile home to improve the value of the property from XXXX to the estimated price of XXXX the mortgage is making us pay. Now we are having to get evicted from the home we dearly love on XXXX. We're having to go to court for eviction on XXXX. We have nowhere to go and we just now received a letter from XXXX XXXX XXXX XXXX Representative of Vanderbilt Mortgage on XXXX which was mailed out to us on XXXXto try to help us find a place to move to if indeed and I are evicted today!? Please help us with this issue and matter okay? Thank you very much for your help and assistance in this matter of grave importance.

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 2021-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
This complaint is about the closing process on my Mr. Cooper ( aka Nationstar ) mortgage. The application process was quite easy and went smoothly up until the days before closing. My 'specialist ' went on vacation and her boss took over. I was then asked for proof of payments that were made over 5 months before. I was able to provide the required documents but was curious as to why I wasn't asked for them earlier. I was told that there was a random audit on my account and that certain documents were needed. If documents were needed for an audit, why weren't proper procedures followed from the beginning? They asked for additional documentation up until XXXX the night before closing. My drive to the closing was 2 hours and upon arrival I was told the closing was cancelled due to the fact that Mr. Cooper was not ready. I called the next day, complained, and was given a {$500.00} credit. I was assured that my closing was set for the next day because the lender had all the necessary documents. This was not the case. The closing was held up an hour while Mr. Cooper continued to ask for documentation. Even the supervisor who had given me the credit said that he was sure everything was ready. I don't need to mention how stressful a closing is. Do NOT use Mr. Cooper! They claim to provide excellent customer service when in fact they only add stress to an already difficult process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
This account was for 2 persons that have been divorced since late XXXX. The balance was paid in full early XXXX and Capital One sent documentation verifying the account was closed on XXXX. Capital One then took it upon themselves to re-open the account on XXXX and sent a statement stating we again have a credit limit of {$20000.00}. As if two divorced persons trying to rebuild their lives in separate ways would want a renewed joint credit card burden! 
This abhorrent behavior is not human error, they intentionally reactivated a closed account with wanton disregard for our financial well-being out of greed and duplicity. 
My attorney has also been alerted of this development.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
At the end of the XXXX Forbearance period we call the lender and asked what is next because we cant pay the lump sum of the forbearance, they said we where eligible for a loan modification and asked if we would like to be submitted for a loan modification which would try to lower the payment 20 %. That was XX/XX/2021. We asked for paperwork bag where told that once we where approved we would receive the information to review. I quested that and asked how will they lower it, add 30 years? We only have 11 more to pay! A month passes we made a full payment, we call back and nothing has been done, we where supposedly re submitted for a loan modification with a double promise to send the paperwork ... we called yesterday and again nothing has been done, we where told we have to submit the forms to request!! I was like WHAT? So the promised to email us the forms and send them snail mail to make sure, they said the email for would be sent within the hour, nothing email was verified!! So now we have to call against and wait 2 hours to explain everything to two different people before we get to the person who wont help!??!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I recently took out a loan to pay off my Bank of America credit card in full due to too many fees for a missed payment and high interest charge. I received an interest charge after paying off the full amount because this was accrued interest from a cash advance I was told. I called BA and asked them to close my account and waive this charge. In previous months I've had a number of charges because a bank debit was rejected and BA tried to charge for a second time. I called them ahead of time to tell them that the charge was going to be returned and asked for a few days grace, to try to avoid the fee. Each time I call BA, I'm told that they can not do anything because its automatic in their system. When I've pressed them on several occasions after being told there is nothing they can do, finally they will try another option. Having paid all my interest and fees and tried my best to keep good credit during a really difficult time with COVID, I've had enough of this system which is unforgiving and not trying to assist me as a customer trying to do my best.

I've now closed my credit card and want them to waive the final {$40.00} interest charge. Even though I was told this interest is valid because it applies to a cash advance, {$0.00} of this applies to interest on purchases, which is not valid.

I feel that even when I've done my best and proactively communicated with BA, have good credit, just paid several thousand dollars to close the card, and have paid lots of fees and interested, BA is harsh and not trying to work with me as a customer. Each time I contact them there is a lot of questions on the automated system and its difficult to get through. Customer service has at times told me there was nothing they could do, but when I pressed them finally it turned out they could in fact help.

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 monetary relief
Consumer complaint received 2021-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
I am currently in a forbearance with Shellpoint mortgage servicing due to a Covid hardship. My loan is owned by XXXX XXXX. I am looking to end the forbearance plan. I qualify for a flex modification per XXXX XXXX guidelines. I have asked Shellpoint multiple times to provide me with a rate reduction and term extension. They have offered a term extension but not a rate reduction as required by XXXX XXXX for a flex modification. Shellpoint has ignored the fact that XXXX XXXX owns my loan. I made a specific request for a rate reduction per the guidelines from XXXX XXXX. The response is that their investor is not offering a rate reduction. This decision is not up to the investor, it is dictated by XXXX XXXX rules and regulations. The email chain and sequence of events are too much to post here. I can follow up with details. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
XX/XX/21 credit XXXX  show negative reported XX/XX/21 status XX/XX/21, balance XXXX XXXX, company wakefield and associates inc. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. This is fraud.

Company response to consumer: Closed with explanation