vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- INSTALLMENT LOAN 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
Selene Finance didn't pay my second quarterly property tax which was due on XX/XX/2021. I received the delinquent notice from the XXXX XXXX on XX/XX/2021. I called Selene on XX/XX/2021 they acknowledged their mistake asked me to send the delinquent notice to them so they can send the check out to township ASAP. On XX/XX/2021 I found out the taxes was still not paid, i called them again they again said will be taken care of in two days. I have been calling them every 4 days since then. Today XX/XX/2021 they are saying they will take care of it by XX/XX/2021 extending it for another month. My third quarterly tax payment is due on XX/XX/2021 I'm afraid this will lead into a big mess. Please help me to resolve this, I have been making my payment on escrow which is {$770.00} and mortgage {$2400.00} monthly on time. As of now I have {$4800.00} in my escrow account my property tax is {$2100.00} every quarter. Tax due $ XXXX {$25.00} XXXX interest XXXX as of today. 

Lender Information : Business Name : Selene Finance Address : XXXX, TX XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Apelles, LLC
State: AL

Complaint narrative:
On XX/XX/XXXX, I received three calls about a personal financial matter. The person informed me that I had an outstanding debt with XXXX in the amount of {$140.00}. The address that was provided for the services, I did not recognize. I told all three people that I have lived at my current location since XXXX. The representative ( XXXX ) told me that Apelles acquired the number but then asked me if I had contact with any relatives? She also stated that if I could just answer simple questions she could help me out. I explained to her that I have never had an XXXX account and I wanted to make sure no one had stolen my identity. She informed me that Apelles does not report to the credit bureau so I should be fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: GA

Complaint narrative:
This a fraudulent account appearing on my transition report. I tried reaching out to the contact info listed on my credit report but the reporting contact information is incorrect. the Transition agent confirmed the contact information was incorrect. 

XXXX XXXX XXXX is a fraudulent account and must be removed from my credit report right away.

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 2021-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Apex Mortgage LLC
State: VA

Complaint narrative:
This attachment was sent to the XXXX  by the mortgage company Apex Mortgage, LLC. Located in XXXX XXXX XXXX XXXX # XXXX, XXXX, MD XXXX Contact number XXXX. 
The attachments contain our personal and confidential information provided by Apex mortgage, llc in response to my review to XXXX. The information attached contains my social security number, address phone numbers, personal employment, credit scores and financial information. I am asking for legal representation and demand Apex Mortgage, LLC be held liable for this. It has violated us and has compromised our personal information leaving us open to identity theft. Such documents should never be reported to XXXX  a non government company. 
As consumers, this goes against our rights. 

Please assist us with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: NC

Complaint narrative:
I recently filed a report with XXXX, XXXX  and Equifax of inaccurate items being reported on my credit reports. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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 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 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 the 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 2021-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
This is a New Complaint filed on XX/XX/XXXX. 

I am extremely distressed that you have continued to report fraudulent reformation. For well over 4 years. You guys have Included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The last response I received on XX/XX/XXXX is as Quoted, On XX/XX/XXXX, XXXX placed this account in our office to collect a balance of {$570.00}. We sent you a validation notice on XX/XX/XXXX. This notice included your right to dispute the balance owed. To date, this complaint is the first communication we have received on behalf of this account. In response to your complaint, this account has been placed in a disputed status and collection activity has been suspended. We will obtain validation from our client. Once this information has been obtained, we will mail the documents to you. It is Convergent Outsourcings position that this account will be updated to the credit bureaus with accuracy as disputed. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed especially given this process has lasted while over 5 months & I have received little to no communication from you guys which is highly unprofessional. If you are unable to provide me a copy of verifiable proof bearing my SIGNATURE. It must be removed immediately. Thank you in advance!

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 2021-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
Thank you so much for this opportunity. During COVID I applied fro forbearance and I was not able to make payments for 4 months. Afterwards, the mortgage company asked to modify my loan and I turned in everything I was supposed to turn in. Then they doubled my payments from XXXX to XXXX. I told them that and they refused. I continued to make payments every month and applied again with them. Anytime, I call, suctomer service judge and harrass you instead of trying to help you. They degrade you to a point that you get upset and angry on the phone. At a point I reached out to their president for help. I emailed an she never even acknowledge nor pick up the phone. These company seems like they want to find a way to foreclose on you no matter what and not try to help. The company is Fayservicing. 

Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In XXXX this year I have 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 30days 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 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 2021-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP
State: TX

Complaint narrative:
XXXX ID : XXXX My complaint was closed based on lies provided by ICG Lender with their response. Below are the details, please reopen my case and investigate. 

ICG clearly LIED in their response and I have proof. Their detailed explanation on XXXX XXXX XXXX ( loan no XXXX ) appraisal is a big lie. I submitted the filled with credit card details and signed appraisal authorization form to ICG for XXXX XXXX XXXX on XXXX XXXX. They are lying that I never gave them that and I have the email conversation proof with attachment. I was never approached about payments and failed payments as they're mentioning regarding XXXX XXXX XXXX appraisal despite of numerous follow ups from my end that I already submitted. The only contact they did about the appraisal according to their response was on XXXX XXXX which is about a month after my submission and numerous follow ups. Why wait a month for something so basic? Isn't it negligence to wait for a month to respond despite numerous follow ups from customer with mortgage closing? XX/XX/XXXX is the first contact where they said they can't meet the deadline, they never gave the reason WHY and they didn't say WHY in their response except the lies about appraisal payment which I have proof for. I told them about my appraisal form submission that I did on XXXX XXXX multiple times via emails ( I have emails ) and no action taken. Now they are lying that they never got it. It is nothing but ICG 's negligence that costed me loss of Earnest money and the deal. Pls do not close this complaint based on their lies as I have proof of appraisal authorization submission with me. Attached is the email thread where I submitted the appraisal authorization form to XXXX at ICG on XXXX XXXX. XXXX confirmed numerous times over the phone and email that he received it and was submitted to the concerned parties internally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: GA

Complaint narrative:
Reporting on consumer report XX/XX/2016 in the amount of {XXXX} ; {XXXX}. I have notified the bureau of an unauthorized items reporting on my customer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: FL

Complaint narrative:
I accidentally made an extra payment on my mortgage with Home Point Financial in XXXX, 2021, such that XXXX payments were made. My online account management portal indicated that no payment was due in XXXX, 2021. I then adjusted the autopay feature of my mortgage to draft my next payment on XX/XX/2021 because I was a month ahead of schedule with regard to payments. On XX/XX/2021, an autopay payment nonetheless was drafted from my bank account. I spoke with a customer service representative, who explained that a system error had occurred and that I should submit a request for refund from their general help email address. I submitted this request, only to be notified by Home Point Financial that they would not do so without a bank statement reflecting the draft. I explained that bank statements are obviously provided at the end of months, while the payment they incorrectly drafted occurred on the first day of the month in question, and thus I could not furnish a bank statement -- I provided a screenshot nonetheless of my bank transactions to reflect the incorrect autodraft payment. Home Point Financial 's customer service once again insisted in reply that I must provide a bank statement. I would like to bring to attention this deceptive and predatory lender 's tactics to dodgXXXX accountability for an error on the part of their payment processing systems, and unwillingness to rectify the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have filed disputes with XXXX, Equifax and XXXX having incorrect information on my report from XXXX XXXX XXXX XXXX along with Chapter XXXX and Chapter XXXX in which I submitted letters from court to credit bureaus which they say was it was vertified, without giving me information on who vertified information on XX/XX/2021. It has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: TX

Complaint narrative:
In the beginning of COVID our mortgage company CMG FInancial reached out to us to offer assistance to defer our mortgage. We agreed to do that. Then when FHA allowed a program for putting the balance at the end of the mortgage loan. A Partial Claim Deed of Trust was signed by us for the amount of XXXX. We resumed making mortgage payments on XX/XX/2020. Even though we were highly discouraged from making them from customer service since they didn't have the signed documents back from the " investors '' of the deferral who was allowing us to do a Partial Claim Dee. We have made payments ever since. I spoke with a loan counselor in XXXX. She and I went over every payment I made which she could see on her end and I could verify through my bank account. She sent emails to her supervisors stating that there is an error. She also requested on my behalf a face to face meeting with CMG since it is an FHA loan. Today, XX/XX/XXXX there is no resolution and I just received my mortgage statement still requesting XXXX and stating that are past due in the amount of XXXX and we are 3 months past due. They are trying to apply current payments to supposedl late payments, but again we have been making payments since XX/XX/2020. I have called them every SINGLE month with them promising resolution and yet here we are. I don't know what else to do other than go outside of them and try to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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:
Hello, I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX XXXX did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ). I am a victim of identity theft and did not open said accounts on the word document provided below. I ask that all items provided on the document attached be deleted to correct my credit report so I can finally get approved for a car loan. Please note that I am submitting this request on behalf of myself. No third party is involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have a credit card with Citi Bank. In XXXX of XXXX, I received a postcard from Citi with an exclusive offer to cardmembers. It said I could earn a {XXXX} cash bonus if I opened a new High Yield checking account. I had to open a new Citi Elevate Interest Checking Account during the " Offer Period '' of XX/XX/XXXX to XX/XX/XXXX. The Checking account had to maintain a minimum balance of XXXX for 60 consecutive calendar days from the date the Minimum Deposit was met. If these requirements were met, the XXXX cash bonus was to be credited to the account within ninety calendar days from the date the required activities were met. 

I opened a Citi Elevate Interest Checking Account on XX/XX/XXXX. I deposited {XXXX} from a money market account at XXXX XXXX. The full amount of the initial deposit has remained there to this day. I never received my XXXX cash bonus. On or about XX/XX/XXXX I called to inquire why I had not received my cash bonus. I was told that I met the requirement of maintaining a {$5000.00} balance on XX/XX/XXXX. I was told that I definitely was entitled to the {XXXX}, but that Citi Bank had 90 days from XX/XX/XXXX to deposit the money. I was told by a person named XXXX, that the {XXXX} would be deposited into my account by the end of the day on XX/XX/XXXX. The money was never deposited. I called Citi again on XX/XX/XXXX. They could not give me any answers, but opened a " Service Request '', and the matter was supposed to be resolved within 5 business days XXXX XX/XX/XXXX ). I have heard nothing back from Citi, and they have not deposited the 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 2021-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Grant & Weber
State: CA

Complaint narrative:
Im being charged for bills that are unheard of and didnt use my social security number for anything ever I barley obtained and identification card for the first time in 2020 so theres no way they could of had proof of my identity

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 2021-06-10 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: CITIBANK, N.A.
State: NY

Complaint narrative:
While checking my credit report, I notice an account from CITI that I believe is not being reported correctly on my credit report. On XXXX XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account, again with no response. As of today, they are still reporting negatively on my credit report. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that CITI is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me 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 explanation