vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-02 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have no idea why you are still in doubt of my identity provided that I have submitted all my documents for you to review. Whatever your reasons for doing this, I am still hoping and looking forward that this time you will be able to do your job properly. Once more, I am sending this complaint about you correcting the issues I have with the items, which I have listed below. These items have so many errors and flaws that should result in an immediate update or removal of the items. This concern was forwarded to ( bureaus ) and the creditors but both have neither failed to respond to my request nor provide concrete documentation to justify their claims. The list of incorrect and unknown items are as follows : Personal Information Also Known as : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX Charge off : XXXX XXXX XXXX XXXX Balance : {$330.00} Collection : U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2900.00} U S DEPT OF EDXXXX XXXX Balance : {$5000.00} New Inquiry : XXXX  Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: FL

Complaint narrative:
We have a VA loan and our servicer is XXXX. Our property is in Maryland and currently being used as a rental property, we occupied it for 2 years and got XXXX XXXX elsewhere. We intend to reoccupy the property in 2 years when we get sent back to the area. 

We were in forbearance last year due to the COVID-19 pandemic and our renter who stopped paying rent. We were unable to evict, due to restrictions at that time. We were in forbearance until XXXX of this year, when the tenants lease was up and they vacated the premises. 

We were told from XXXX representatives all last year that with the VA loan, we just needed to modify the loan to roll the missed payments into the end of the loan. We have several recorded phone calls stored of different representatives telling us the same thing in that regard. 

We called XXXX in XXXX to get the account back in good standing. The representative told us to make a payment in XXXX and they would send us paperwork for remodification of the loan. We have proof that we made a payment on time. A week later we got a letter saying our account was in default and on XX/XX/20 the foreclosure process would be started. 

We have called every day for the last XXXX XXXX weeks, since receiving the letter, to get this resolved. One representative admitted that someone had screwed up on their end and the account should have never left loss mitigation. We have a recorded call of that representative telling us it should have never gone to default. They then told us it would take 2 days to get transferred back over to the loss mitigation department. It has been XXXX XXXX weeks since that phone call. We have called daily and we have been taken through the ringer with the same excuses itll be two days. Most recently, this week, the new excuse is our systems are down, we will call you back today. And nobody ever calls. 

With a default hitting our credit scores, they will plummet and we will risk losing certain clearances within our jobs. This is unacceptable and XXXX is directly responsible. We are now looking into contacting the VA loan representatives ourselves to cover ourselves, in addition to retaining an attorney for their colossal screw up. We have given them ample time to correct their mistake and they continue to push us off with a looming default and foreclosure, despite us making a payment and trying to get our loan remodified to end the forbearance process. 

Certain restrictions came out within the last year when the pandemic hit, to protect homeowners from companies that would seek to further ruin their assets and protect homeowners from foreclosure when they could not make payments. XXXX has proven to be a company that does not take those restrictions seriously, with this military family, by not taking the appropriate steps to correct their mistakes on putting us in default - something that should not have been an option on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have open a bank account with Wells Fargo in XXXX, Texas. On. XXXX with {$500.00} and it has not been used or touch till the XXXX, of XX/XX/2022. It was used only for XXXX  for {$55.00}. Now with me on the phone with the corporate offices of XXXX, wells fargo I was informed that the only transaction was the {$55.00} for the XXXX. I was told about {$38.00} dollars that supposly XXXX of XXXX a XXXX XXXX was submitting when I did not even pick up from that location and she had put in the notes on the computer to corporate of XXXX that I did not have a Valid ID or a major credit card at XXXXXXXX XXXX on XX/XX/2022. She had never even asked but she had canceled my reservation that was told to me directly by a corporate employee meshell at XXXX  corporate office. She had my information with my reservation that was made on XX/XX/2022. When I had spoke with XXXX from wells fargo XX/XX/2022, and XXXX on XX/XX/2022 I was informed that the only thing that was taken was the {$55.00}. And the amount in my account was {$380.00} available balance. I asked him about the acitivy he informed me of the 4 items of {$38.00} from XXXX. I then called corporate again in reference to the chargers I was told that the {$50.00} credit was put back in the account and the 4 items of {$38.00} were to be input on hold, because they were to be held untill I returned the moving vehicle. My account should not had been touch. Then I received a phone call from XXXX a employee from XXXX  telling me that there was a {$130.00} charge to my account. I called the bank and I was informed there was no charge of {$130.00} done to my account. Then corporate of XXXX  agent XXXX, I had explained all this and she sumitted the claim and I have the reference number XXXX was @ XXXXXXXX XXXX. I havehad this going on and I know it is the conversations and the Haters I have reported this to every agency including the local police and the county officials and authorities. I have all this information in reference to this ongoing problem. Thank you, one more question WHEN YOU ARE TOLD BY THE BUSSINESS AND IT IS IN THE CONTRACT THAT YOUR ACCOUNT WILL NOT BE TOUCH, AND IT IS BY SCAMMERS AND WHEN THE COMPANIES ARE AUTHORIZED TO ACCEPT CHARGERS YOIR ACCOUNT IS EMPETY LEAVING YOU NEGATIVE AND INNSUFFINET FUNDS. I am at the bank and trying to take care of the matter as I type, thank you for your time. XXXX, Texas XXXX, XXXX. XXXX. XXXX 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 2022-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received a credit card that I have not applied or requested for from Capital One. It came by mail on XX/XX/XXXX. 

I called Capital One the following day ( XX/XX/XXXX ) and talked to three different representatives who were all very helpful, and I requested that my account be deleted. The last person I talked to, identified herself as an account manager, assured me that my account has by then been deleted and that there will be an investigation as to how a request for a credit card came to be. She also informed me, after I asked, that the processing of the new card was initiated on XX/XX/XXXX. She gave me a timeline of 60 to 90 days for them to figure out what happened.

However what bothered me was that they had all my personal information. As the call progressed, I was asked to verify my identity by giving my name, social security number ( last 4 digits ), my date of birth and of course my address. 

I am very sure I did not apply for this card. I don't remember If I ever had any account with Capital One. Identity theft is a possibility, but as of this point I have not encountered any other issue with my finances other than this. I also as a precaution review and restrict information sharing ( as much as I can ) with other financial entities I deal with.

I obtained two credit reports from the two of the three biggest credit reporting agencies which showed " soft inquiry '' from Capital One on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I received a card in the mail from Citizens Bank stating I could " get up to {$700.00} ... '' if I opened both a checking and savings accounts, and followed the conditions stated on that card. I did so, even walking through the set up with their representative, following all conditions correctly. But they did not follow through with their payment, and said so on the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am moving to XXXX, VA, soon and was apartment hunting. I found an ad on XXXX for a unit so I reached out about the availability and eventually signed a lease. Since I signed a lease, I thought everything at this point was fine and legitimate, I've done this sort of apartment hunting before and never had any issues. I signed a lease on XX/XX/2021, and sent over {$1700.00} via XXXX for the security deposit and first month 's rent. On XX/XX/XXXX, I inquired when the keys would be sent to me and I was asked to pay the second month 's rent as a precaution, which didn't seem like a big deal to me, considering the keys were supposedly being sent across the country. After I sent over the second month 's rent, another {$1200.00}, my " landlord '' has gone completely silent and now I'm out of this money. Whoever I was in touch with is pretending to be the owner of the unit and is stealing someone's identity in the process. I am now out {$2900.00} and I have no way of getting it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: CA

Complaint narrative:
I have contacted Transunion concerning information on my credit report # XXXX. 

My personal information concerning my address is incorrect and I have contacted Transunion multiple times to have this information corrected and ands deleted where applicable. The number is also inaccurate and never been associated with me. 

The following addresses are being reported incorrectly : Current Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Reported XX/XX/XXXX ( as my utility bill shows this is incorrect I have never lived here ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX ( This address is missing my apartment number XXXX ) Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date Reported XX/XX/XXXX ( This address as per my driver 's license was a previous address ) Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date XXXX XX/XX/XXXX ( This address is not mine or associated with any account being reported on my credit report ) Other Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date Reported XX/XX/XXXX ( not an XXXX I have ever been associated with or any accounts I have ) Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX XXXX incorrect apartment number ) Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date Reported XX/XX/XXXX ( incorrect apartment number ) Phone Number ( XXXX ) XXXX Those attempts have been unsuccessful despite me provding a copy of my social security number, driver 's license and utility bill where I currently reside.

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 2022-03-02 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2022, 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 I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC
State: NJ

Complaint narrative:
Village Capital is giving me the run around about my escrow refund check. Pay in full date was XXXX and its passed the 20 day mandatory day to have escrow refund balance delivered. 

Im getting lied to be reps or giving misinformation. 1 is telling me the check was sent XX/XX/16, the other is telling me it was removed from my escrow on XX/XX/16 only and a check wasnt sent yet. 

I keep trying to get a supervisor or someone else to speak to but every time I call for help I get the same person ( XXXX ) who is rude and does not help me at all to even attempt to track down the XXXX they owe me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2022, 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 I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: MT

Complaint narrative:
Mr. Copper Mortgage underwriting practice caused me a financial hardship and damage to my quality of life. My FHA mortgage protection insurance included death of spouse, my husband passed away of XX/XX/2020. 
I'm XXXX  and have a XXXX, I tried numerous to contact Mr. Cooper regarding without acknowledgment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: CO

Complaint narrative:
I moved out of an apartment and in less than a month I had an XXXX bill on my credit for last charges. I called XXXX XXXX and paid the account off in full. They said it would take up to 90 days for it to come off my credit. It has now been 7 months and I have repeatedly called and asked them to remove the account from my credit and report it paid in full. They just keep telling me to wait another month. I now can't even talk to a person, I just get shoved into a voice-mail with no call back..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In the last week of XX/XX/2023 I received a pre approval from Capital One for a XXXX credit card. I applied for the card with my current information and was approved. I then received the card in the mail to the address I had applied with and activated my card using the telephone id applied from with the phone number Id put on my application. My card was already restricted when activated. Upon calling capital one multiple times I had 3 different supervisors verify my new number and unlock my card just to have it locked on the next purchase. I am a victim of XXXX  XXXX and all of my information is updated as I am hiding from my husband and trying to get my children and i to another state. I applied for this card with the intention of using it to aid in helping us make this possible. I do not have an id due to Covid and my appt with the California dmv isnt until next month. Capital one has promised that a specialist would be calling me every day since turning my card off the last time and still nothing. I dont understand how one supervisor can send me a text to my phone number, another supervisor can call me on my phone number, a fraud specialist can leave me a voicemail on my phone number, I can get a PIN number sent to the address on the application but its not able to be used to identify me and all of a sudden no one at capital one can use my phone number to verify my identity all tho iv done just that numerous times. If an ID card was needed to access my lien of credit then why would capital one not ask for it upon the initial application, before singing my credit report and sending me a card I can not use? I had to go they great links in order to even get this card safely and now Im back at square one. Had capital one conducted a proper procedure in the application process and asked my id when applying, I wouldnt have wasted my time or opportunity in getting this car and would have tried for a card thru another company with more honest practices and no hidden hoops to jump thru. This is now effecting mine and my children lives in a much larger and dangerous way then imaginable to all of the people at capital one that have misinformed me numerous times and all have different procedures and policies then the next agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: GA

Complaint narrative:
In response to XXXX XX/XX/XXXX response XXXX. The company finally provided a breakdown of how my payments were applied for XXXX & XXXX. I still have concerns about how my payments were applied but I will try to get a resolve from the company. 

I have signed and notarized the Partial Claim documents as instructed in the XXXX response. Ive returned the original document, plus two additional copies to the address provided in the response. The post office confirmed receipt of delivery on XXXX - see attached document. 

Just to confirm what youve explained in previous complaints, an extra two months of mortgage payments were added to the partial claim amount to allow for processing, and that I am to skip making payments for two months while the partial claim is being processed. Please confirm that youve received my documentation and when I should resume making monthly mortgage payments.

Ive tried to confirm the info by calling your office. I spoke to XXXX on XX/XX/XXXX at XXXX PST and she advised me that I had to speak to the special loan department. I was then put on hold and XXXX came back saying she needed to transfer me to Loss Mitigation. I was placed back on hold another 6 minutes of silence then an automated message played advising someone would be right back with me. After 10 minutes, XXXX answered. I asked XXXX if my Partial Claim documents had been received and processed. XXXX asked when I had mailed them out. I advised her that the United States post office confirmed the documents were delivered on XX/XX/XXXX. XXXX says she would check the system. I waited and after 5 minutes she advised me that she needed to place me on hold. XXXX then asked me which documents I sent back, after I explained which documents Id returned. XXXX then asked what address Id mailed the documents to. I advised her that Id mailed the documents back to the mail to address in XXXX, TX on the Partial Claim documents provided in the companys XX/XX/XXXX response. XXXX then stated that she didnt know if that was the right address? She then asked me if I was sure the documents Id returned were not a loss mitigation packet?? I asked to speak with a supervisor, XXXX said she would try to get one and placed me on hold. XXXX came back 5 minutes later asking if Id take a call back. I explained to her that in the 50 or so times Ive asked for a call back I have yet to receive even one call back.

This feels like Im going thru the exact same madness I went through as explained in my very first complaint.

Company response to consumer: Closed with explanation