vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-22 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:
Transunion failed to remove all hard inquires that were inaccurate/do not belong to me due to fraudulence ; violating FCRA Sec. 1681q. Obtaining information under false pretenses - Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined not more than XXXX XXXX United States Dollars ( {$5000.00} USD ) or imprisoned not more than one year, or both. Also claiming that all inquires are accurate and will remain on my account for no more than 2 years and stated that its required to have a police report and refused to investigate the matter ; For Transunion 's claims on inquiries being accurate without evidence they are in violation of Title 18 U.S Code Section 287. Also, the Affidavits of deletion and removal, that I had notarized and are in their database on file, inquiries that I demand to be deleted/removed are listed below as well as listed in the affidavit. 

Transunion Hard Inquires : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2021-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A bank account was opened fraudulently in my name. I received a letter in the mail from the bank stating insufficient funds. I have never opened an account in my name with this bank.

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 2021-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX ; XXXX and Transunion continue to report the status of the following accounts as Account not disputed. XXXX XXXXXXXX partial account number XXXX ; XXXX XXXX partial account number XXXX and XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX ; XXXX XXXXXXXX partial account numbers XXXX and XXXX ; XXXX partial account number XXXX ; XXXXXXXX XXXX partial account number XXXX. XXXX  continues to report the status of the following accounts as Account not disputed. XXXX partial account number XXXX and XXXX. XXXX and Transunion continue to report the status of the following account as Account not disputed. BONDED partial account number XXXX Transunion continues to report the status of the following accounts as Account not disputed. XXXX  partial account number XXXX and XXXX XXXX  partial account numbers XXXX ; XXXX and XXXX. ( I have attached my credit report for reference. ) I have contacted the bureaus on multiple occasions to in fact dispute the validity of these accounts. The bureaus are not even making an effort to investigate and report the status correctly that these accounts, are in fact, in dispute. I respectfully request that the bureaus do their job and either remove these line items and/or update the status to report these accounts as Account in dispute. It is a violation of the Fair Credit Reporting act to not report accurate information on a credit report. This false reporting is seriously harming my credit score.

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 2021-02-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
Our original VA loan was with XXXX XXXX XXXX. As of XX/XX/XXXX, Freedom Mortgage took over the loan for our home. We accepted a purchase offer on an adjacent piece of property next to our home. There is no mortgage on the property being sold. On XX/XX/XXXX our lawyer contacted us and said that the property being sold was part of our mortgage. It isn't. We contacted Freedom Mortgage and explained that the property was not part of the mortgage. The acreage on the loan document does not include the acreage of the land being sold, it was not included on the appraisal, the taxes and insurance are not in escrow. The only place in the loan document that refers to that piece of land is in appendix A. It is clearly a mistake. We explained this to the reps at Freedom Mortgage over and over. They said that they would look into. We called multiple times a week for updates, nothing was being done. On or around XX/XX/XXXX Freedom Mortgage was getting the tax and legal department involved to resolve. We continued to call for updates, nothing. On XX/XX/XXXX someone from Freedom E-mailed the legal department asking for an update, nothing. On XX/XX/XXXX a lawyer hired by Freedom Mortgage contacted me to review the situation. She immediately understood the issue and said it would be no problem to resolve this. She felt the best course of action would be to do a lien release. She filed the paperwork with Freedom Mortgage to be signed on our around XX/XX/XXXX. The lawyer said that due to the holidays, Freedom Mortgage probably wouldn't sign until after the XXXX of the year. I contacted the attorney on XXXX, no response. Again calling a couple times per week, getting no answers or updates. Finally on XXXX the attorney said that the documents were sent to the county clerk for filing. I contacted the county clerk, she said the documents were returned to Freedom Mortgage because they were missing information. Freedom Mortgage corrected the documents and sent them back to the clerk. On XX/XX/XXXX the clerk sent the attorney a message stating that there was still missing information. We spent 50+ hours calling and getting nowhere. We have done everything in our power to get this resolved. Here it is 17 weeks later and we still can't close on our property. We feel this unacceptable service and shows a lack of competency on the lawyers part. Can you please help us? We are desperate.

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 2021-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I submitted a XXXX payment of {$500.00} via wells fargo XXXX for a new dog. It turns out the person accepted the payment, but quit answering questions and never sent the dog. Essentially, i was scammed. I would like a full refund for this terrible crime that was committed. This occured on XX/XX/2021.

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 2021-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
1. Good morning, I XXXX XXXX, acct # XXXX, refinanced my mortgage on XXXX XXXX. I received a pay off statement from the TD bank in the amount {$320000.00} ( copy of the letter of the pay off letter from TD bank is attached ). This amount was paid by the new bank XXXX XXXXXXXX XXXX, acct # XXXX, XXXX. The property address is XXXX XXXX XXXX, XXXX NY XXXX, Now 8 months later, TD bank is saying that my mortgage is still outstanding, I own them an additional {$26000.00}. 

I and my laywer spend three months to contacting TD bank, title company and the XXXX County to resolved the matter. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Tel. : XXXX Fax : XXXX XXXX Also, TD bank requested an additional {$5600.00} as the school tax amount which TD bank paid XX/XX/2020. TD bank received a refund of {$5600.00} from XXXX countyr back in XXXX XXXX. Copy of teh refund check is attached. 

TD is the worst bank in teh history. It takes 3 hours to get to be connected and when I ask to talk to the Mnager I get disconnected, given a different phone number to contact. I dont have energy or time to fight teh TD bank, help please

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Goldman Sacs Bank USA, is reporting late on my personal loan account for 2 months XXXX and XXXX in XXXX and 1 month XX/XX/XXXX, I was never been late 30 days as reported to all CRAs. I XXXX  outside US on job and due to te encouragement and online payment option provided by creditor I paid within time frame online from their website, as per the account agreement they haven't mentioned that I can't pay online outside of USA, and even though I paid they deferred the payment and reported as late making me to check and call from other countries to pay again and report as continuously late which is against the agreement. 

NOTE - As Goldman Sacs Bank USA has not put in agreement terms as that I can't pay online outside USA, they should not report as late. Please look into this and ensure that creditor reports all 3 payments as on time. All the CRAs are not looking into deferring of my online payments from outside USA, proof is all my payment are made online and in XXXX, XXXX I asked them to correct this online we site bug.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Uplift, Inc
State: TX

Complaint narrative:
I received communication in XX/XX/2019 that there was a loan outstanding in my name ( XXXX XXXX XXXX ) as well as my wife 's name ( XXXX XXXX XXXX ) from an UPLIFT.COM. My wife and I *never* apply for loans online ; we believe that it's something that needs to always be done in person. Furthermore, I have alerts on our 3 major credit bureaus that due to our excellent credit and perceived high net worth, we tend to be a victim of Identity theft. 

I shared this in a letter back to Uplift and heard back from them today ( almost 2 years later ). They've " transferred '' my loan, they claim, to another fintech/bank. So now my personal information is in two places I don't need it to be, not just one. 

The XXXX have been largely a self-policing community but identity theft, and not taking it seriously enough to stop it in it's tracks, is a violation of the FCRA along with several local laws in my jurisdiction ( Texas ). I seek to have an investigation open on this XXXX company - a startup, who's selling fraudulently obtained data ( like mine ) as underperforming loans in order to generate revenue. It's the sad side of capitalism that needs to be addressed firmly and immediately, especially given what many of our families have been through with COVID-19. This XXXX ( Uplift.com out of XXXX XXXX, California ) have gotten " looser '' with compliance issues, not tighter - when they should be doing the opposite.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have been in correspondence with their general customer service department and they are not investigating the negative information properly. They are very scripted, and this negative reporting is causing me great stress. I have provided more than enough enough documentation to get this negative reporting removed but they are not looking at the correspondence I have sent. So, I am now escalating this to your corporate office. Please read the information below and update this account as soon as possible. 
I opened this account on XXXX in good faith that I would be treated fairly by your bank. I always pay this account in full and I am never late on any of my credit card accounts. I contacted Barclays Bank and told a representative I was setting up my payment through bill pay with my bank, XXXX XXXX XXXX. The representative told me that they would place my account on a temporary deferment as I was affected by the pandemic with work but if I wanted to proceed with the payment, I could.

My Barclays accounts was set up through bill pay with my third-party bank, XXXX XXXX XXXXXXXX and it was scheduled to be taken out on XX/XX/XXXX. 
Unfortunately, I experienced compromised activity on my bank account with XXXX XXXX XXXX on XX/XX/XXXX. 
I was assured that while my accounts were being investigated with XXXX XXXX  XXXX, my reoccurring charges would be made with Barclays. 
The missed payments were due to my banks error, as they failed to see that I had a payment for my Barclays credit card and flagged the payment " fraud '' and did not make it without my knowledge. 
I have attached a letter from XXXX XXXX XXXX showing that this was a bank error. 
To make matters worse, your company is reporting me 30 days past due when this was supposed to be on deferment anyways. AND this is over a {$13.00} charge!!!!!!!! {$13.00}!!!!!!!!! 
Your institute advised me this would not report back in XX/XX/XXXX but it is still reporting and now it is not being investigated.

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 2021-02-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Found a hard credit inquiry on my Experian credit report dated XX/XX/XXXX. Contacted XXXX XXXX  XXXX ( the company who was on record as performing this action ) XX/XX/XXXX. Contacted XXXX XXXXXXXX, XX/XX/XXXX, and XX/XX/XXXX and was told that my letter was in the mail, except for the last one, I was told that an investigation was not performed. 
I have been on the phone with Experian for at least an hour trying to dispute this. I can not get anyone to help me. They either hang up on me ( I am on a land line ) or transfer me back into the queue and I have to hold again. 
You can ONLY dispute these types of things by calling in. Why is this so hard?!?!?!?!?!?!?!

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 2021-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CARD Corporation
State: KS

Complaint narrative:
I got my fiance 's direct deposit into my account and so card.com said they were closing my account and returning the money to the issuing bank ... It's been about two weeks now ... just wondering when they was gon na close it and return it I've sent several emails thanks for ur time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Found a hard credit inquiry on my XXXX  credit report dated XX/XX/XXXX. Contacted Bank of America ( the company who was on record as performing this action ) XX/XX/XXXX. Contacted BofA XXXX, XX/XX/XXXX, and XX/XX/XXXX and was told that my letter was in the mail, except for the last one, I was told that an investigation was not performed. 
I have been on the phone with XXXX for at least an hour trying to dispute this. I can not get anyone to help me. They either hang up on me ( I am on a land line ) or transfer me back into the queue and I have to hold again. 
You can ONLY dispute these types of things by calling in. Why is this so hard?!?!?!?!?!?!?!

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 2021-02-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
The original amount of my loans were 1. XXXX XXXX. XXXX disbursed in XXXX the interest rate is 9.75 i began repayment in XXXX. I have done inschool deferment, as well as interest only payments over the life of the loan. To date I have payed XXXX in interest and principle and my balance of these two loans is now 1. XXXX XXXX. 
I have asked for research to be done on the loan by navient. other than saying that the interest has accrued they can not tell me why i have not made a dent in my balance and how it has went up. 
according to the website i am scheduled to pay off the loans in XXXX and XXXX respectively at a payment of XXXX divided across the two loans. 
this is mathematiclly impossible. I really need some help with this. I have paid XXXX in principle and XXXX in interest..how is that even possible.? they have to be compounding daily!! 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Last XX/XX/XXXX an investigation was filed in XXXXXXXX XXXX XXXX XXXX XXXX XXXX because they reported a late payment ( Account # XXXX ). According to what they inform me by phone, after having made my payment for XX/XX/XXXX within the payment terms, it was revoked due to an error in the account. However, I do not find out until XXXX when I am doing the purchase of a house. I was never informed and it was not reflected in the web account, and I continued making my payments for XXXX and XXXX without knowing that they had not been able to collect the XXXX XXXX. As soon as I knew, I made the payment and requested a correction of this information, since the payment was made within the correct terms. I have been with this request since XX/XX/XXXX and with a lot of follow-up on my part, but they pass me from one place to another. This occurs in the middle of a purchase transition from one bank to another and no one could provide me with information. I was a victim of the transition of these banks. As recent as today, XX/XX/XXXX I called and they informed me that there are no marks in their file, however it appears on my credit. I have already sent emails as requested so that they can correct this situation and nobody responds to me. This has affected my credit and they keep passing me from one place to another without anyone helping me with this situation.

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 2021-02-22 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: FL

Complaint narrative:
Last XX/XX/XXXX an investigation was filed in XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX because they reported a late payment ( Account # XXXX ). According to what they inform me by phone, after having made my payment for XX/XX/XXXX within the payment terms, it was revoked due to an error in the account. However, I do not find out until XXXX when I am doing the purchase of a house. I was never informed and it was not reflected in the web account, and I continued making my payments for XXXX and XXXX without knowing that they had not been able to collect the XXXX XXXX. As soon as I knew, I made the payment and requested a correction of this information, since the payment was made within the correct terms. I have been with this request since XX/XX/XXXX and with a lot of follow-up on my part, but they pass me from one place to another. This occurs in the middle of a purchase transition from one bank to another and no one could provide me with information. I was a victim of the transition of these banks. As recent as today, XX/XX/XXXX I called and they informed me that there are no marks in their file, however it appears on my credit. I have already sent emails as requested so that they can correct this situation and nobody responds to me. This has affected my credit and they keep passing me from one place to another without anyone helping me with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST GUARANTY MORTGAGE CORP
State: NC

Complaint narrative:
I purchased a new home XX/XX/XXXX. I was contacted by Good Mortgage to refinance my home in XX/XX/XXXX. For over 7 months now they keep checking my credit, asking for the same documentation over and over again, requested I pay out of pocket {$500.00} for an appraisal on a new home when I already had an appraisal just at a year old. I request to be reimbursed {$490.00}. This company has checked my credit once a month and has lowered my credit score due to so many requests of credit. XXXX XXXX XXXX is the loan officer that contacted me. Mortgage Loan Officer NMLS # XXXX O XXXX | Ext XXXX C XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX Branch NMLS # XXXX XXXX

Company response to consumer: Closed with monetary relief