vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-07 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: OH

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: NJ

Complaint narrative:
on XX/XX/XXXX, I have refinanced my mortgage with Loandepot. I have made all my payments using online payments option. my account is current and i have my statments. on XX/XX/XXXX loandepot decided to move my loan to the new jersey office and assigned a new account number. it also reversed all my payments which showed my account as being late for 2 months which is untrue. I have gotten letters dated XX/XX/XXXX, XX/XX/XXXX threatening foreclosure This is FRAUD. I have PAID, I have loandepot own statments that shows my account is current. I have my bank statements that shows the amounts being taken out. i have called many times but of course nothing is getting done, no one can give me a reason as to why this happened. now i have to deal with this and the fact that this FRAUD will be reported on my credit. There need to be accountability. A mortgage company can not be allowed to foreclose on your house eventhough you have made all your payments. please note that the threat letter has the new account number which was started as of XXXX while the two payments in questions were under the old account number which i have supplied statements for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX applied for a mortgage in XX/XX/XXXX with American Financial Network. XXXX XXXX a entrepreneur had to amend his tax return after it was discovered that the previous tax preparer took more unwanted deductions that he desired. XXXX XXXX was instructed to amend the returns by XXXX. XXXX waited months on end for the IRS to receive the documents and initiate the process of amending the returns. In XX/XX/XXXX XXXX received his pre-approval letter and starting the process of searching for a home with his realtor. 
After months of searching with his pre-approval in tow he secured a contract on a property. XXXX found a property that was half of the pre approved amount. XXXX went through the entire process and did and paid everything that he was instructed to do by the mortgage lender XXXX. Inspections, appraisals, earnest money, which alone was nearing 8k or more. 
XXXX XXXX only went through the process because lender gave the pre-approval. Then the amended tax return was received by the IRS but not processed and the transaction stalled. XXXX was told by XXXX that if he could get something showing the that the IRS had received the return we could move forward. The IRS could not per their internal rules and regs send anything in writing but we obtained and audio with the IRS agents id number, name and they stated that XXXX XXXX XXXX XXXX tax returns were received but had not been processed due to the global pandemic. Once the condition was satisfied they still didn't move forward but came back with another condition. Now we were told that this file went up to the highest underwriters within the company and they were they ones who said this condition would be satisfied with evidence of the return being received. Nothing, no traction. Then guess the tax return gets processed and that was the one thing that we had been waiting on and when that happens still no traction. The mental anguish, and financial burden this puts on a person is very taxing. Most of all XXXX XXXX was trying to provide a home for his XXXX minor children but since he was not able to receive the financing he wants to be reimbursed the money that was tied to this property based on the pre-approval and underwriting process which he feels he met every condition and leaped over every hurdle. This is not a practice that a mortgage lender should engage in because it may look like a individual is being singled because he met every requirement that was asked of him,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: NY

Complaint narrative:
The servicer does not send me a monthly bill for my HELOC without issue. I do not have online access either even though it has been requested. Since the amount fluctuates, its important that I receive a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: FL

Complaint narrative:
I've been trying to resolve this acct since XX/XX/2018 with no resolution from XXXX and Transunion. I have sent SEVERAL account verification requests and this acct with XXXX XXXX  XXXX has not been verified by Transunion XXXX XXXX. I also sent a validation request directly to XXXX  and they couldn't verify the requested information. I have attached letters sent to credit bureaus and XXXX Also there's attached the answer from XXXX with the validation request. 

I need your help to resolve this matter. Thanks for your prompt response and cooperation with 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 non-monetary relief
Consumer complaint received 2021-12-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: WI

Complaint narrative:
I have exhausted all options with Direct Express for resolution. 
The United States Treasury has deposited my funds to a " Direct Express '' card and I have not been able to access those funds since XXXX of 2021. Today 's date is XX/XX/2021. 

I contacted Direct Express at XXXX regarding this issue, including, but not limited to, the following dates, backed by evidence from the complainant 's XXXX phone account billing statements : XX/XX/2021 at XXXX am XX/XX/2021 at XXXX am XX/XX/2021 at XXXX pm XX/XX/2021 at XXXX am XX/XX/2021 at XXXX am XX/XX/2021 at XXXX am XX/XX/2021 at XXXX pm ( duration approximately 80 minutes ) XX/XX/2021 at XXXX pm XX/XX/2021 at XXXX pm XX/XX/2021 at XXXX pm XX/XX/2021 at XXXX pm ( duration approximately 37 minutes ) XX/XX/2021 at XXXX pm XX/XX/2021 at XXXX pm ( duration approximately 14 minutes ) XX/XX/2021 at XXXX pm ( duration approximately 23 minutes ) XX/XX/2021 at XXXX pm ( duration approximately 29 minutes ) XX/XX/2021 at XXXX pm ( duration approximately 21 minutes ) XX/XX/2021 at XXXX am XX/XX/2021 at XXXX am ( duration approximately 12 minutes ) Over the course of the above stated dates, Direct Express sent me a replacement card to access my funds. When recieved, and attempted to activate, the system refused. A prerecorded message said what I entered does " Not match the information on file. '' A live representative assisted me with activation. That was not successful either, so another replacement card was issued. 

When second replacement card issued, I again attempted to activate to no avail. A live representative, again, tried to assist and was unsuccessful. I was transferred to the supervisor. Again, no success in activation. I was then transferred to the supervisor 's supervisor who couldn't activate the card either. 

They sent out a third card. Activation was unsuccessful. 

Please note, at one point the Direct Express XXXX tried to personally activate my card on a conference call with the automated system. I provided my XXXX digit account number to her. She entered all my information and all i did was enter a pin number. Still, no success. " I have never had this happen before, '' she said. 

I have called phone number XXXX, the Direct Express XXXX line multiple times as well. They took my information and someone called me back. Most recently, they sent me a fourth replacement card via United Parcel Service, and charged me according to their policy. 

Activation of the fourth card was unsuccessful. 

After failure to provide access to my funds for nearly two months, Direct Express must be held accountable. I have exhausted all options with Direct Express for resolution. I just want my money. Therefore, this United States Combat Veteran submits the aforementioned complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
On several occasions I will go to bed with a positive balance then wake up with an overdraft fee associated with a negative valve that wasnt there the night before. 
Anytime my account goes negative I receive a text message and I refund the account prior to XXXX which is their cut off time. 
However they process things out of order and will not give you an opportunity to correct or refund items that cha XXXX over process over night. Theres no warning and no time given to fund our account. For example on XX/XX/2021 I received a text saying my account was negative XXXX I checked my account later that day to Find it was XXXX at XXXX EST I transferred money from a different regions account exactly {$9.00} to cover the negative balance. I had a positive balance of XXXX however on XX/XX/2021 I woke up with an overdraft fee for charges that apparently process over night out of order that over XXXX my account by XXXX. 
This is the XXXX time in XXXX weeks that regions has done this. They admitted their processing is XXXX but refuse to refund me

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 2021-12-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone stole XXXX dollars out of my Bank of America account over the span of XXXX days. I opened a claim and it has been denied multiple times despite Bank of America having video footage of someone else taking money out of my account. I sent them a police report and photo evidence of me being out of town during the theft. They continue to deny my claim. Ive opened the claim about 6 times so far to no avail. They even told me my account would be credited until they came to a conclusion, and have yet to do that. Any help would be greatly appreciated. Thank you.

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 2021-12-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
In 2007 I borrowed {$10000.00} from Sallie Mae for expenses associated with my graduate school courses. For the past 14 years, we have paid it on time. We approximate the sum of the payments we have made over the past 14 years to be almost {$40000.00}. 

The loan has been sold to Navient. Currently, Navient shows my balance as over {$12000.00}, and is still collecting a monthly payment from me. At this point, my payment is mostly interest, and a small fraction goes to the principal, and the loan is only growing. 

I can't find a way to deal with this other than just hand over an additional {$13000.00} to close the loan ( which I don't have ). Am I supposed to pay literally {$100000.00} before this {$10000.00} debt is paid off? XXXX XXXX XXXX XXXX but there is no loan forgiveness for this, because it is a private loan. 

I recently purchased a new car for {$24000.00}. My monthly payment is {$350.00} per month and it will be paid off in 72 months. In comparison, I feel that I am being taken advantage of by Navient. I need help and my family is suggesting I hire an attorney. Do you know of any attorneys that deal with situations like this? Is there anything you can do to help me? My income is low. This monthly payment is just cruel at this point because it doesn't make any progress toward reducing the loan. 

Thank you for your help and advice, XXXX XXXX XXXX Navient account # XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: TX

Complaint narrative:
I the federally protected consumer by Fair Credit Reporting ACT has my harmed by Transunion a Credit Reporting Agency who's is in violation of Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681 ( a ) ( 4 ) .YOU CANT BE 90 DAYS LATE AFTER A ON TIME PAYMENT THE MONTH BEFORE THAT IS INNACCURATE AND VIOLATES MY CONSUMER RIGHTS.

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 2021-12-07 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: CL Holdings LLC
State: IN

Complaint narrative:
I have submitted four disputes in the last two month to XXXX Jefferson capital is a debt collector thats been on my credit report fraudulently. I have my discharge paperwork from the courts that show this matter is closed and due to a XXXX XXXX bankruptcy petition and closure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07 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: TX

Complaint narrative:
I the federally protected consumer by Fair Credit Reporting ACT has my harmed by Equifax a Credit Reporting Agency who's is in violation of Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681 ( a ) ( 4 ) .YOU CANT BE 90 DAYS LATE AFTER A ON TIME PAYMENT THE MONTH BEFORE THAT IS INNACCURATE AND VIOLATES MY CONSUMER RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2021 I visited a Bank of America branch in XXXX Florida. I made two mortgage payments totaling {$3100.00} ( please see attached documents. ) The payments were for the month of XXXX and XX/XX/2021. The payment was in the form of a check in the amount of {$2700.00} and {$500.00} in cash. There was a residual amount of {$51.00} was credited to my checking account. I signed into my account XXXX days later and the payments had not been credited. I went back to bank and spoke the assistant manager who submitted a service request ( XXXX. ) She explained the payments were credited to my escrow account, the service request will reverse the payments and credit accordingly. Please see attached documents. As of XX/XX/2021, the payments gave yet to be applied and Bank if America has reported me as " delinquent '' in my credit report thus affecting my credit score in an adverse manner.

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 2021-12-07 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: IN

Complaint narrative:
I have submitted four disputes in the last two month to transunion. XXXX XXXX is a debt collector thats been on my credit report fraudulently. I have my discharge paperwork from the courts that show this matter is closed and due to a chapter XXXX bankruptcy petition and closure.

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 2021-12-07 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: NJ

Complaint narrative:
These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in a timely manner.

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 2021-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Lending Club Corp
State: PA

Complaint narrative:
XXXX credit card and I received a card with micro chip in the mail. 
2.XXXXcompany made aware on XXXX 3.XXXX XXXX account opened in my maiden name which I haven't used in over 20 years-XXXX they were made aware the account is fraudulent. 
4.XXXX-mastercard account-I could not contact anyone on the phone about this one. 
5.XXXX debit card=Someone opened this under my first and middle name-reported XXXX 6.XXXX debit card=came with someone elses name on the card-I called and made then aware I didnt open this account. 
7.XXXX bank account-debit card with chip came in mail-made aware on XXXX 8.XXXX XXXX opened a bank account in my name-I made them aware on XXXX 9XXXX XXXX-bank account opened in my name-made aware in XXXX 10.XXXX XXXXXXXX XXXX XXXX opened a bank account-called -made aware XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I sent A letter to this company ARS account resolution collection advising them The account they are claiming A XXXX balance on does not belong to me & was A result of FRAUD! Tjis account is showing under my maiden name XXXX XXXX and I have not had that last name since XXXX. I was A victim of identity theft and requested debt verification because this is A fraudulent account. I AM NOT REQUESTING A BILL but legal verification that this debt belongs to me XXXX XXXX & I am requesting ALL credit reporting be deleted since this company has failed to provide adequate proof this debt belongs to me. I would like to pursue litigation! This company has refused to remove this account from all consumer reporting agencies which was A RESULT OF ID THEFT after they where properly notified! I would like it noted that I would like all communications written as I will keep copies for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: SC

Complaint narrative:
My complaint is with Loan Depot. I am currently in a Conventional mortgage. I am applying for a XXXX VA loan . Loan Depot 's position is that they can not process due to VA Seasoning requirements. 

I informed Loan Depot that VA Seasoning requirements apply only to VA to VA loans. My loan again is Conventional to VA. I have provided to Loan Depot the VA XXXX XXXX, which clearly states this. Please see Page 4, paragraph d ) as evidence.

I have escalated to senior management at Loan Depot, and they refuse to acknowledge that I am correct. 

This is disadvantaging veterans because interest rates are rising. 

I am the following applies to me : 1. XXXX Veteran 2. XXXX XXXX Can you please assist?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: NJ

Complaint narrative:
These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in a timely manner.

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 2021-12-07 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: NJ

Complaint narrative:
These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in a timely manner.

Company response to consumer: Closed with explanation