vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-20 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: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I paid {$2900.00} on XX/XX/XXXX and another payment of {$9800.00} on XX/XX/XXXX that were supposed to be adjusted against my principal. 

I have regularly paid all my mortgage payments i.e. {$710.00} through my bank - the mortgage servicing company confirms receipt of my regular mortgage monthly payments including for the month of XX/XX/XXXX. 

However, the mortgage servicing company - Nationstar Mortgage LLC d/b/a Mr. Cooper is ignoring the above-mentioned payments. 

After adjustment of above-mentioned two payments, the adjusted balance to be reported to credit monitoring agencies. But the mortgage servicing company is dilly-dalying and/or ignoring my request for a long period - and also harassing me with letters, although they recently stopped making unwanted/unwarranted phone-calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: TN

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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:
Iin this new complaint I invoke the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. On XX/XX/XXXX, I have submitted a claim but did not comply with all the requests. arranged several late payments but not in full. I am going to attach in this new claim the evidence where it shows that the monthly payments of the mortgage of my house with the XXXX XXXX  company have been made in the correct time. I also ask that my name in the information appear as XXXX XXXX, the address is XXXX XXXX XXXX XXXX, Florida XXXX, telephone XXXX and as a profession or occupation XXXX  XXXX because it is the degree I did at the university and I work on my own. Finally, I want the free annual report that by law corresponds to me. I am attaching the confirmation of the payments that I made to the XXXX XXXX company from XX/XX/XXXX to XXXX that appear as late payments, also the agreement to be from the month of XX/XX/XXXX and continuing in the forbearance program that reduces monthly payments. The payment for the month of XX/XX/XXXX appears with the month of XX/XX/XXXX because they did not remove the payment from my account as they did every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Back in XXXX of 2020 My checking account was scheduled to be closed and I was told that it was closed. i even got a check for {$8.00} which what I had left in the acct. Well now Im getting letters in the mail stating I owe money for an over draft acct which I was told was closed. When I spoke to the banker XXXX she told me it was suppose to be closed but for some reason it didn't close and i got charge {$15.00} a month for non active status and i asked her if that can be waived since i knew nothing about it. she told me its nothing she could do with the acct.

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 2020-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
Fifth Third Bank 's procedures to close my account are unreasonably difficult and deceptive for consumers. I made a personal visit to a branch to close my checking and savings accounts back in XXXX. Though my checking account was closed, I logged in a couple of weeks later to see that my savings account was still open, with a balance of {$0.00} cents due to interest. I made 3 calls to Fifth Third telling  them I don't want the XXXX cents, and they should close my account before they charge me any fees for a low balance. They told me I have to either visit a branch ( during a pandemic ) or complete a form. Despite 3 calls and several weeks of waiting, I still don't have the form to mail in after 2.5 weeks. I believe they intentionally make it difficult to close old and unwanted accounts so that they can charge customers excessive fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: TN

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.

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 2020-05-20 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: TN

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.

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 2020-05-20 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: TX

Complaint narrative:
I have inaccuracies on my credit report. I've sent verification letters on XX/XX/2020 and method of verification letters on XX/XX/2020 and their only response is updated. There is a clear error on my report stating that I am late 90 days and 120 late but the months before that its stating that I'm on time.

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 2020-05-20 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: TX

Complaint narrative:
I contacted Experian credit reporting on XX/XX/2020 to alert that I had some items on my credit report that I was disputing. This was necessary because I knew that I would probably need to secure a loan due to the COV19 issues that were beginning to drown XXXX XXXX. Experian alerted me that they had contacted the companies and the reporting companies submitted automated validation of the debt. 

On XX/XX/2020 I sent certified letters to the companies asking that they provide the same validation to debt to me that they provided to Experian including documentation in the form of ledgers, signed forms, etc that support the debt. 

The companies did not provide validation in the 30 days as required by the FCRA. Therefore, I sent a letter to Experian to advise them of the results of my debt validation request. 

I believe that Experian has not acted in good faith with requiring that the companies valid the debt they are reporting. Secondly, the companies did not act in good faith by providing me with the debt validation documentation that I requested. 

I am now asking for CFPB assistance because these incorrect issues on my credit report are causing me irreparable harm. I am a XXXX XXXX XXXX XXXX XXXX and your urgent assistance to survive. Thanks

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 2020-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
I paid off the car loan for my account at valley national bank in XX/XX/XXXX. I waited over a month and did not receive my title or a letter verifying the pay off of the loan. 

I call their customer service who tells me they mailed it to my old address as I moved in XXXX. I advised them that I had called in XXXX and updated my address using the method they had asked, emailing them the updated address along with my contact information to XXXX. I was told there was nothing they can do. They told me to do it again and contact a completely different company called " XXXX XXXX '' to obtain the documents that they never sent to me. 

( Separate but they mailed me nothing since I originally got the loan in XXXX including bills or invoices ). 

I did what they said and called XXXX XXXX. They advised ( via a recorded message ) that I can not order a duplicate tile on the phone and need to go to their website and pay {$23.00} to get the lein payoff letter then take that along with local DMV documentation, in order to buy a new title at the DMV, paying their fee of ~ {$60.00} as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
I have been transferred ( not by choice ), to fay servicing to service a mortgage on a home. I have been with them several years. In the very beginning a payment made to the last company was not forwarded to Fay servicing and had my account trailing 60 days. I have never been late but my credit shows this error. I have made numerous attempts to get them to correct it to credit reporting agencies and they never follow up. I recently received a grant and had a substantial amount paid and placed the account on auto draft. My account recently increased and they stated a escrow analysis increased it I asked for a copy to pay the difference to return my payment to the correct amount months ago and they ignore my request. Lastly while trying to get the analysis they representative offer to wave a months payment to the rear of the loan for COVID-19. My new statement showed two months due! I believe they try to create financial hardships to throw off or cause someone to fall behind. I called in a rude account manager after 2 hours on the phone lied and said someone will call me back to correct it and hung up in my face!! I paid the amount over the phone! I want my account corrected from the beginning of the loan and my current escrow analysis to pay any so called diffenency. A forensic analysis on the account would be great also.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: TX

Complaint narrative:
I contacted Transunion credit reporting on XX/XX/2020 to alert that I had some items on my credit report that I was disputing. This was necessary because I knew that I would probably need to secure a loan due to the COV19 issues that were beginning to drown XXXX XXXX. Transunion alerted me that they had contacted the companies and the reporting companies submitted automated validation of the debt. 

On XX/XX/2020 I sent certified letters to the companies asking that they provide the same validation to debt to me that they provided to Transunion including documentation in the form of ledgers, signed forms, etc that support the debt. 

The companies did not provide validation in the 30 days as required by the FCRA. Therefore, I sent a letter to Transunion to advise them of the results of my debt validation request. 

I believe that XXXX has not acted in good faith with requiring that the companies valid the debt they are reporting. Secondly, the companies did not act in good faith by providing me with the debt validation documentation that I requested. 

I am now asking for CFPB assistance because these incorrect issues on my credit report are causing me irreparable harm. I am a XXXX XXXX XXXX XXXX XXXX and your urgent assistance to survive. Thanks

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 2020-05-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have reply contacted XXXX  and Experian to remove account that are reporting invalidly reporting the following accounts are incorrect XXXX XXXX ( XXXX XXXX  ) the balance is XXXX not XXXX ; XXXX   was never late, XXXX was never late and doesn't have a balance its paid in full as agreed XXXX ; XXXX XXXX XXXX was never late its paid in full balance XXXX. XXXX XXXX XXXX XXXX and XXXX are both due to ID Theft and need to be removed in their entirety. I have received notices that the items were deleted and updated and somehow they were re-inserted invalidly.

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 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft since XXXX and had my credit frozen til the year XXXX, it is posted on all 3 credit reports, I had this same issue with XXXX  but they would not unlock my report for XXXX nor XXXX to upload my info nor let me correct my info I had sent them numerous updates to my files and through the postal service & certified mail XXXX  states to me they never recieved but 1 copy out of 24 copies I sent, I tried faxing with no luck, and this went on the entire time since XXXX until I contacted your agency last year. It was corrected and XXXX apologized and now I am having same issues with Equifax doing the same thing, they will not unfreeze my credit or I am unable to pass the security questions because they do not even pertain to me and I check the boxes that say, none of the above, and because of this it causes me to fail my security questions and they will not let me view my free annualcredit report online ( keeps saying like my XXXX  use to say ) your credit report is unavailable online to you at this time. I refuse to keep dealing with this, this is my life somebody keeps messing with and I am entitled to my consumer free credit reports and unfreezing my credit at anytime I wish to but someone is seeing to it that I can not. My name is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX ... ..my email ( XXXX ) ... .cell # XXXX ... ... my date of birth ( XXXX ... .last 4 of SSN ( XXXX ) ... ..my previous address. ( XXXX XXXX  XXXX XXXX, XXXX, NC XXXX ) thank you for your time & consideration. I look forward to hearing back from this matter. Have have blessed day. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: FIRST HERITAGE CREDIT LLC
State: MS

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Account was disputed at the time as inaccurate. Removed in XXXX of 2019. Loan # XXXX Lender being XXXX XXXX. Account is in fact accurate and correct. This was a mistake by myself. The consumer XXXX XXXX XXXX XXXX. XXXX is now continuing to report this information as current, Equifax continues to suppress and block this correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Dovenmuehle Mortgage, Inc.
State: NC

Complaint narrative:
Account was disputed at the time as inaccurate. Removed in XXXX of 2019. Loan # XXXX Lender being Dovenmuehle Mortgage. Account is in fact accurate and correct. This was a mistake by myself. The consumer XXXX XXXX XXXX XXXX. Dovenmuehle is now continuing to report this information as current, XXXX  continues to suppress and block this correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
on XX/XX/2019 a dispute was made about fraud activity on my credit report, I sent over all supporting documents showing proof that this was not my information, I've tried several times after that on the following dates XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 I also sent over letters asking them along with the collection company to please remove this account from my credit report. I'm still to this day is sending over police reports and affidavits proving this doesn't belong to me. I have asked XXXX  to please remove the fraud account from my report but still I have no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: TX

Complaint narrative:
I contacted Equifax credit reporting on XX/XX/2020 to alert that I had some items on my credit report that I was disputing. This was necessary because I knew that I would probably need to secure a loan due to the COV19 issues that were beginning to drown XXXX XXXX. Equifax alerted me that they had contacted the companies and the reporting companies submitted automated validation of the debt. 

On XX/XX/2020 I sent certified letters to the companies asking that they provide the same validation to debt to me that they provided to Equifax including documentation in the form of ledgers, signed forms, etc that support the debt. 

The companies did not provide validation in the 30 days as required by the FCRA. Therefore, I sent a letter to Equifax to advise them of the results of my debt validation request. 

I believe that Equifax has not acted in good faith with requiring that the companies valid the debt they are reporting. Secondly, the companies did not act in good faith by providing me with the debt validation documentation that I requested. 

I am now asking for CFPB assistance because these incorrect issues on my credit report are causing me irreparable harm. I am a XXXX XXXX XXXX XXXX XXXX  and your urgent assistance to survive. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Hello CFPB, My name is XXXX, a Wells Fargo checking account holder, as of XX/XX/XXXX of last year. I was prompted to open the account due to a {$400.00} promotion they were running for new accounts. Terms indicate {$4000.00} or more in qualifying direct deposits within 90 days of account opening, and receive {$400.00} promotional cash deposit 30 days after criteria met. According to my records, I met this criteria as of XX/XX/XXXX of this year and as a result, was expecting this {$400.00} to be deposited into my account late XXXX. After not seeing it, I began calling Wells Fargo early this month ( XXXX ) and am getting nowhere. Conflicting information, lack of any follow up on their part, and promises of research and a call back with no resolution. I have several complaint numbers, have a " case manager '' that is never available to speak to and will not return my calls. Also, Wells Fargo customer service indicated my account is attached a different promotion all together, which is an error on their part and has not been rectified. 

Please let me know what additional supporting documentation you need as I look forward to resolving this, receiving the promised funds and never doing business with this financial institution ever again. 

Best Regards, 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 monetary relief