vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2020, by XXXX XXXX, M, Court Order " Civil Action No : XXXX, I was appointed Trustee of my Trust ( Trust ID XXXX ). ( The original Trustee is deceased. ) Bank of America has refused to acknowledge the appointment. They do not know the difference between a " TESTAMENTARY TRUST '' and a " TRUST ''. They believe that the DECEASED person directed that a TRUST be established FOR HIMSELF AFTER HE DIED!! ) Therefore, they have contended that I am NOT the Trustee of the account in my name " XXXX XXXX XXXX XXXX '', Account number XXXX XXXX XXXX. I have had three conversations with my attorney who had the documents produced. He has more than thirty years ' experience in the field of Trusts, and confirms that the document is appropriate for my appointment. Bank of America REFUSES to give me access to the account. This has continued through contact with multiple employees XXXX email, phone and XXXX XXXX since XX/XX/2020. They are, essentially, STEALING my money. 
Enclosed are copies of ( 1 ) The " XXXX XXXX XXXX. XXXX ( 2 pages ) ; ( 2 ) Page one of the " Last Will and Testament of XXXX XXXX XXXX XXXX page one ) ( Court document XXXX ), wherein Section II directs the establishment of the XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-04-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I filed disputes in regards to incorrect items on my credit report and sent a letter to verify items. It has been well over 30 days and I haven't received any response regarding the investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I had a hard inquiry done on my credit for a Government Small Business Loan of which I never applied for US SM BUS ADMIN ODA made a Business Loan Inquiry by checking your Experian Credit File. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months.

Source : Experian Company : US SM BUS ADMIN ODA Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone : ( 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 explanation
Consumer complaint received 2021-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have sent numerous requests to delete the old addresses that do not belong to me on my XXXX and Transunion credit reports. 

The following addresses are on my Transunion : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX BOX XXXX UNIT XXXX APO, AP XXXX The following addresses are on my XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have been sending the attached proof of address for over 6 months with dispute letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
Originally, I was pre-approved for a loan of {$120000.00} on a condominium. After submitting 30 documents related to the closing, I was issued a closing date. Rocket Mortgage of Quicken Loans told me that I would have to raise my down payment from 5 to 10 %. I was able to do so. They told me that I would need to purchase a walls in insurance policy for the unit in question ; I purchased it. 

I was put off by days at a time and Quicken ultimately stopped the load due to the " aggregate considerations of the loan ''. Unless I was able to AGAIN, double my down payment, the deal was dead ; the deal was dead. 

Both my primary residence now as well as the property in question are on the south side of XXXX - areas that are predominantly XXXX American. A reasonable person would conclude that because of this factor, Quicken Loans inaccurately evaluated the loan as being high-risk and then killed the deal. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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 XX/XX/2021 I SENT MAIL TO XXXX, XXXX AND TRANSUNION TELLING THEM TO PLEASE SEND ME VARIABLE PROOF OF THE ACCOUNTS THAT ARE INACCURATE. 

XXXX. XXXX XXXX XXXXE ACCNT # XXXX {$1500.00} XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX {$980.00} XXXX ACCNT XXXX : XXXX {$1000.00} XXXX. XXXX XXXX XXXX XXXX # : XXXX XXXX. NO NAME ONLY THING IT SAYS XXXX, OH XXXX {$250.00} IDENTIFICATION NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX. XXXX XXXX XXXX XXXX # XXXX {$230.00} XXXX. XXXX BANK XXXX CARD ACCNT # XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
On XX/XX/2021 Quicken Loan contacted me offering some rates and costs for a possible 10 year refinance home mortgage. The person from Quicken Loan I talked to was Mr. XXXX, XXXX ( XXXX ). XXXX XXXX was very insistent trying to convince me, that the offer he was giving me was a great one and that I had to take it otherwise it might be gone the next day. I have to say I was Quicken Loan Customer time ago so I just asked this person to send me an e-mail with the details of the offer or post it in my Rocket Mortgage account for me to review it later on and reach back only if I consider the offer to be convenient for me. 

To my surprise my wife and I received, fist on XX/XX/XXXX, a copy of our corresponding credit reports Quicken Loan throw XXXX had pulled out on our behalf and on XX/XX/XXXX we received a Loan Estimate Package # XXXX containing additional credit reports being pulled out from XXXX, XXXX 

After trying to get clarification from Quicken Loan XXXX XXXX, XXXX XXXX ) they argue now that in fact gave them approval to move forward with this which is 100 % false. They are saying not only that I gave them approval to pull out our credit reports but that I provide them my SSN, which never was subject during our conversation. My wife was not even in the call, so it is not possible for her to had given approval for this. 

I am very concern now about? 
- The way Quicken Loan is misusing people 's information, new costumers and old customers like in our case. 
- I consider this to be a fraud, maybe only from some agents who might be getting a commission every time they get at least a Loan Estimates sent out, I do not know. But I believe this needs to be addressed.. What if it becomes something bigger and they start now closing refinances with the clients not even knowing about it - Our credit reports got damage. They decreased already XXXX points as a result of this fraudulent action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: SC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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 tried to log into my equifax account and dispute incorrect information and can not get through to talk to anyone and how to do this online. I am not tech savy and need detailed information to complete the process and can not get to talk to anyone. They ask questions that have nothing to do with me or my credit and then tell me unfortunately they won't be able to help me at this time.They have my DOB wrong and wrong street address wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
In XXXX Wells Fargo Mortgage held Deed to our home along with a Home Equity Line of Credit ( HELOC ). In XX/XX/XXXX we applied to have our home refinanced by XXXX Loans. Our loan was approved and our Deed of Reconveyance for the house was recorded on XX/XX/XXXX. The HELOC was paid in full at the time of the refinance but apparently was never recorded with the State of XXXX 

Moving forward to XX/XX/XXXX, we applied to refinance our home again, this time with XXXX XXXX in order to lower our rate from 3.75 % to 2.75 %. Everything was going smoothly until the underwriter and title company discovered that Wells Fargo Mortgage has never recorded that the HELOC was payed off in XXXX of XXXX. 

I have spoken twice with Wells Fargo Mortgage ( XX/XX/XXXX & XX/XX/XXXX ) being assured that this would be rectified. As of XX/XX/XXXX the Confirmation of Closure on this HELOC has not been recorded. I have spoken numerous times with XXXX XXXX and they have the excuse that the problem is due to the virus. I also have spoken numerous time with XXXX XXXX and they claim there is nothing they can due. 

Meanwhile what is normally a 30 - 45 day process to close on a mortgage has now been more than 90 days. We may have lost our locked rate of 2.75 % due to Wells Fargo Mortgages error, costing us thousands of dollars. 

Please advise what else we can do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
Flagstar force placed another flood policy on my acct. this year. I uploaded to the insurance portal the renewal policy XX/XX/ ish. I continue to receive past due notices for the balance of the escrow account. Everytime I call there, I have a 40 min call only to be transferred to another department where I have to start the same conversation over again. I have never missed a mortgage payment. I want the company to fix the escrow and provide me confirmation of XXXX balance to 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 explanation
Consumer complaint received 2021-04-28 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
All payments as been paid off, I have dispute this multiple times, no solution, called to have it deleted the agent was not helping, when I paid it off, I did not get any email confirmation, and every order day I get calls from the debt collector. All I need is balance to be updated and deleted from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XXXX XX/XX/XXXX, I paid XXXX XXXX {$75.00} application fee after touring property at XXXX XXXX. She was aware of my credit acoreand said that as long as I didn't have evictions or landlord judgements, and lroofof income, I was first and a good candidate for rental. That evening she said I had an eviction. XXXX she sent a report from her vendor, XXXX XXXX incorrectly showing an open eviction case. It's public record so I showed that the case was dismissed. At which time she pivots and says my credit score is too low. Transunion shows a lower score than another bureau. I asked her for her vendor contact information so I could correct any misinformation and she has since ignored 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 non-monetary relief
Consumer complaint received 2021-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Halsted Financial Services, LLC.
State: GA

Complaint narrative:
On XX/XX/2021 I XXXX XXXX was informed that a XXXX XXXX XXXX from Halsted Finical Services called my husband at his place of employment phone # and asked to speak with me XXXX XXXX. My husband informed the caller the he was not speaking with XXXX and would he like to leave a message. 

XXXX XXXX then continues to tell my husband all important and personal information about the reason for the call in violation of U S Code 15 1692 ( c ) b ( ) Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Someone is using my information to apply for lines of credit, home loans and car loans, it is bringing down my credit score and becoming harder for me to build credit. I do not believe i should be punished for these unauthorized applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Levy & Associates, LLC
State: IN

Complaint narrative:
I have been paying Levy and Associates fake law firm for a credit card debt for more than two years anywhere from XXXX to XXXX a month. The current amount is XXXX a month. However when I asked them why the balance is not down or furthermore resolved she sent me to another line that hung up on me. I called back and it then stated they were busy at the time and leave a message. Well I left a message and no call back. I called back a couple more times only to get the same recording. I called my bank and stopped payment but this lasts one year. I feel like I was scammed and want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: TX

Complaint narrative:
not mine : FCRA violations : XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
As part of COVID-19, I was qualified for mortgage forbearance plan starting XX/XX/XXXX with USBANK. I ended my forbearance plan XX/XX/XXXX by submitting the online process thru US bank. I understood that mortgage rate was going down and wanted to refinance around XX/XX/XXXX. I planned to be out of forbearance plan and put my account current for 3 months to be able to qualify for refinance. 

When I was filled out the application to be out of forbearance plan, I was told that it may take couple weeks to put your account current. I haven't heared back from USBank then I decided to call them. I called them multiple time and everytime they told me we have a lot of applications and the process may take more than expected. 

Later I got a letter telling me that your contact person at USBank is XXXX XXXX with call number XXXX XXXX. I called this number at least 30 times so far but everytime I am redirected to another representetive. I had no chance to talk to this person ever beside eveytime I need to start explaining what was going on in last couple months to the new representetive. 

After so many tried, on XX/XX/XXXX, they told me we need to start the process again. From that time to now that is XXXX XXXX, XXXX I have called them every week and every time they told me it is in process but nothing happened. 

I ended up missing the big oppurtunity of low rate refinancing during XXXX XXXX and still no clarification of what is going on with US bank. 

Now it is has been 8 months from first time I requested to put my account to current and still no sign of progress. 

I appriciate your help to make USBank responsible for default and delay and lack of coordination in their internal system. This process is making mental and financial impact to me and my family. 

Attached is two documents showing the status my application in XX/XX/XXXX, and XX/XX/XXXX. 

Thanks, 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 2021-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carter-Young, Inc.
State: MO

Complaint narrative:
I lost my job and had to relocate home, I contacted the original creditor to end services and they told me I owed nothing else. I have since paid the debt in full to the original creditor, XXXX XXXX, Carter Young, the collection agency will not cease reporting negative information. The whole act is unfair, as I explained to them, I have never received any notification of any balance due, my mail was forwarded, however I never received anything from the original creditor. Therefore it should have never been placed in collections, nor reported negatively on my credit files. I am asking that all negative items including the fact that it was ever a collection be deleted immediately from all credit bureaus. I have no guilt in not paying on time as I had no notice of a bill being due. This is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: TX

Complaint narrative:
zip codes that were deleted was never there to begin with : FCRA violations names and address not mine : FCRA violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2000 XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
- Applied for a home depot credit card on XX/XX/2021 and was approved. 
- Contacted on XX/XX/2021 that the credit card was returned due to an issue with my mailing address - Contacted both home depot credit card services and citi card services on XX/XX/XXXX attempting to verify my account and obtain a replacement credit card. They were unable to verify my account using my only phone number, a cell phone number. They are requiring verification of the address using a physical bank letter - normally this is fine but I'm traveling for 4 months so I have no access to my mail until XX/XX/2021 As a result I have no way to verify my account, obtain a replacement credit card, or setup payments on this account. Filing this complaint because I have debt on the credit card that I have no way to pay off because of bad bank KYC policies.

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