vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: MD

Complaint narrative:
I have file two previous complaints with Loan depot for a lien this missed 3 times and predatory lending. Both previous complaints have been closed with a letter from XXXX XXXX stating they would assist with the lien ; they also sent an authorization form which I returned. The form was sent to XXXX XXXX XXXX, which to this day I have not heard from anyone, especially my point of contact XXXX XXXX. 

I have reached out to XXXX XXXX and left voicemails, and have not received a phone call or an email. It is apparent they are closing out complaints and not doing their part and just sweeping it under the rug. 

Furtheremore they have not even addressed the predatory lending allegations. I will attached the letter and pertinent documents to this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: PA

Complaint narrative:
I XXXX XXXX have been treated unfairly by this consumer reporting agency and they have been using my private consumer information without my consent. 15 U.S. Code 1681b - Permissible purposes of consumer reports- ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've not given verbal or written consent to any agency for them to us any information. 15 U.S. code 1681c-2 allows the consumer to block and remove information all that resulted from identity theft, If you follow the guide line which they provide. Please inform them of these 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 2021-12-09 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:
This is XXXX XXXX who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the account listed below still remains on my credit report in violation of Federal Law. Equifax has failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if Equifax has investigated properly before posting derogatory information. 

( XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: SLM CORPORATION
State: CA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to SALLIE MAE XXXX and XXXX.The company is reporting inaccurate information ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
Details : On XXXX XX/XX/XXXX, our neighborhood mailboxes were broken into/damaged and mail was stolen. The mailboxes were not fully repaired until the 3rd week of XX/XX/XXXX. I was under the impression that the last payment that I made to Honda Financial Services for my car loan was made in XX/XX/XXXX. I found out later that I had one more payment left but that was after my automatic payments had stopped. Honda sent out a XXXX statement that I did not received due to the mail theft. They mailed another letter alerting me of the last payment that had not been made ( printed on XXXX XXXX and mailed around that time ). I also did not receive that letter until XXXX XXXX, exactly on the XXXX  day of being late. I made that payment to XXXX that very day. Because I made the payment on XXXX day, it was considered late and was reported to the credit companies. 

Circumstance Beyond My Control : Until our mailbox was repaired, we had to go to the local post office to pick up our mail and due to the ongoing local COVID-19 restrictions at the time and to minimize potential exposure ( I have XXXX parents and XXXX at home ) I was only able to make trips to the Post Office every 1.5-2 weeks. I sent an appeal letter to Honda detailing the extenuating circumstances beyond my control and provided the police report as evidence of the mailbox theft/destruction. They provided a timely response denying my request to remove the late payments from my credit. I tried calling them to get details about the investigation and to understand why they did not consider the circumstances beyond my control, but was unsuccessful in getting any information. Before this incident, I had excellent credit without having a single late payment on my multiple credit/mortgage/auto loans that clearly show this was a one-time event due to circumstances beyond my control in a challenging COVID environment. This single late payment dropped my score 90+ points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FC HoldCo LLC
State: NC

Complaint narrative:
FLAGSHIP CRD. Account # : XXXX I have contacted this to remove this unauthorized account from my credit report on several occasions.

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 2021-12-09 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: TX

Complaint narrative:
These accounts do not belong to me, block and delete according to 15 USC 1681c-2.

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 2021-12-09 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:
These accounts do not belong to me, block and delete according to 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: TX

Complaint narrative:
These accounts do not belong to me, block and delete according to 15 USC 1681c-2.

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 2021-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I did not consent, authorize nor benefit from any of the following inquiries. Block and remove them. 
1. XXXX XXXX  - XX/XX/2021 2. XXXX XXXX XXXX  - XXXX XXXX 3. XXXX XXXX XXXX  - XX/XX/2021 4. XXXX  XXXX BANK XXXX  - XX/XX/2021 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
XX/XX/XXXX reverse mortgage solution purchased a regular loan from a company now call XXXX XXXX. For the amount of {$18000.00}. My mother was unaware that this new company was a reverse mortgage loan she made payments from XX/XX/XXXX to XX/XX/XXXX. 
She died in XXXX Reverse mortgage has denied they receive payments from her but the bankruptcy judge made them submit fraudulent payment history. I have asked RMS to simply show us the deposit slip or some sort of transaction where they put in XXXX to her account they never did. I contact the IRS for her her W-2 forms from XXXX to XXXX there was never any installments in her account and never in a large amount of money deposited. 
RMS foreclosed submitted some sort of unverified paperwork and now have their name on her home. They have tried to evict me over seven times I went to court eviction court today. The judge refused to understand that this was a case of title not eviction we now have five days to either pay {$2200.00} to get an appeal or vacate my mothers home after 50 years. I would prefer to fax these papers to you tomorrow but in five days I will be put out of a home. 
my mother repaid a loan they denied that payment but we have proof from A company called XXXX XXXX provided me with the closing cost of {$18000.00} in XXXX. Please help us as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
email phishing was able to access through my phone and was able to access my bank ( Bank of America ) appXXXX  and a XXXX XXXX XXXX transactions : $ XXXX XXXX with phone # XXXX XXXX XXXX with the confirmation : XXXX $ XXXX XXXX with phone # XXXX XXXX XXXX with the confirmation : XXXXXXXX XXXX XXXX  Transaction : XXXX {$1000.00} with identifier : XXXX i need help an email corfirming i have been mail phished by this unauthorized transactions my email is XXXX email directly connected to the email phishing is XXXX XXXX XXXX i have submitted a fraud claim to the bank of america and the first step was freezing my account, we were able to freeze my account and processed my claim a week later came by and an email regarding the fraud claim was denied i called them again and submitted another fraud claim which they suggested into getting my email check by the source about the fraud, going to XXXX and checking XXXX about my hacked email. 

ive tried reaching out to XXXX about my XXXX and reporting all these emails as phishing and hacking my phone now i will try to reach out to XXXX about my phone being hacked, and XXXX about my phone number being used in the transactions which were connected to XXXX  and XXXX XXXX, i am so confused as to how XXXX  wasnt able to trace up the location on where the money was sent or atleast the IP address of the receipeint which would be able to confirm about the fraud activity.

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 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXXBalance {$2100.00} XXXX  XXXXBalance {$590.00} XXXXBalance {$1900.00} XXXX XXXX XXXXBalance {$14000.00} XXXX XXXX XXXXBalance {$3500.00} XXXX XXXX XXXXBalance {$15000.00} XXXX XXXX  XXXXBalance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I call Experian, XXXX and XXXX sent certified mail from them to remove unauthorized inquiries

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 2021-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX CT XXXX, FL XXXX XXXX XXXX XXXX XXXX AV XXXX, FL XXXX Employer : XXXX  Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09 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: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is reporting on my Credit Reports and needs to delete immediately : Wrong Address : XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We have an undrawn home equity line with Wells Fargo that has rarely been drawn and never been paid late. Several years ago we discovered that an annual fee of {$75.00} was being charged but there was no attempt to collect it, notify us, etc. I only saw it when I happened to look at a statement. Wells agreed to waive these fees as they are no longer charging fees on home equity lines of credit. Recently I discovered an outstanding {$75.00} fee. When I called Wells, they said it was from XXXX, before the time they decided to waive these fees, therefore I would have to pay it. This is clearly not in the spirit of all the consumer protections that the regulators are asking them to put in place. It seems like waiving any old fees would be reasonable.

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 2021-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
We paid off a mortgage with Truist ( originally ) SunTrust on XXXX XXXX, 2021. We also paid off a XXXX  with Truist at the same time. The payoffs occurred after we sold our house and the title company, XXXX XXXX, wired funds to retire the loans. On the next day, XXXX XXXX, Truist removed our access to any details and history about both the conventional mortgage and XXXX  in their online portal. Truist owes us at least a little amount of money because the payoff amounts were conservatively calculated based on a XXXX XXXX payoff. I dont understand how Truist can delete the history and/or remove our access to view any details after the payoff. 

We need access to the loan accounts online to show the payoff for the new financing on our new house ( not financed by Truist ). We also need access to track any overpayment due because the loan was paid off two days early. We called Truist and were bounced around for over an hour with call center staff giving us inconsistent information. 

Can Truist really cut off our access to the loan accounts history upon repayment, including overpayment? This just seems wrong. How do we track the overpayment?

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 2021-12-09 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: GA

Complaint narrative:
This letter is regarding a credit bureau named in the company section of this complaint. I am reporting this credit bureau because they are listing a public record that they got from a third-party data broker such as companies like XXXX XXXX XXXX XXXX has recently moved that public record per my request per the FCRA guidelines. So I am also asking that you demand that this credit reporting agency quickly do the same otherwise that will be grounds for a lawsuit for them not following The law. I have requested such information such as this public record for the bankruptcy to be removed and they have refused to do so so Im petitioning you to demand that they do it now that the data broker XXXX has removed it from their database. If after you demand that they do it and they dont do it that will be grounds for a lawsuit for not following the law.

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 2021-12-09 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: NY

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX  XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: NY

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX  XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09 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: CA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process.The Equifax Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation