vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've tried reporting this information to credit bureaus that the information is incorrect and there should be no collections or balance. Please update and remove from my account! 

XXXX XXXX XXXXXXXX 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 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: IN

Complaint narrative:
Please reference complaints XXXX and XXXX. 

Midland Mortgage is retaliating against me for filing these complaints. They deleted all my information from the first mortgage assistance application ( attached proof everything was submitted on website ). XXXX at Midland Mortgage 's lost mitigation department called me on XX/XX/2021 @ XXXX p.m. and wanted to do everything verbally over the phone. I am not sure another application is needed for a XXXX-day review to extend payment delays as I will explain the house is sold. They are being very crooked about all this. 

I also spoke with XXXX XXXX at Midland ( XXXX ) at length on XXXX and he was having my house de-winterized by XXXX properties. Midland assumed the house was vacant because I moved to a new job in Indiana but I do go home to my house quite a bit on weekends and Holidays ; it has never been vacant, abandoned, or unoccupied. He explained that XXXX may be outside taking pictures to ensure someone was there but I am not under house arrest by the bank and they do not have a right telling me how often I have to be there and I do not have no court order where I have to report to the bank when I come and go in my own home. There is more than enough proof that has been submitted to show I am still occupying and in control of my house. They had no right going in and changing the locks without my knowing or consent. 

The house has been sold. I sent the purchase agreement several times to Midland Mortgage. That was the only other document they were requesting for the mortgage assistance plan process. The buyer 's inspection is complete and all we are waiting for is appraisal ( scheduled ) and then closing on or before XX/XX/XXXX. I am submitting these complaints in hopes of preventing Midland Mortgage and XXXX Properties from stealing my house before the sale is complete. This mortgage company is breaking a lot of laws and violating my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
i am complaing about bank of america charging a lot of those fees durring the pandemic i have XXXX kid and my wife and they was not working. everytime i call the bank to ask them for help. XXXX  XXXX is not computer error. their is nothing they can do, i am sending that itermize stament as far as fees they charge in my account.

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 2021-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Williams, Rush & Associates, LLC
State: FL

Complaint narrative:
They called and spoke with my father about the debt. I retained an attorney and they agreed to settle out of court and delete the collection off my credit file. They are still paying me on the settlement but they refuse to take it off of my credit report. Everything was signed and agreed upon. I have attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: LA

Complaint narrative:
Process began for refinance with XXXX XXXX XXXX late XX/XX/2021, it is now late XX/XX/2021 and no progress has been made. I have had three different processors working on this file and each person ask for the same information that has been uploaded to their portal. Furthermore each piece of information requested has been supplied and then another document is requested. The lack of consistency and clarity has made this experience horrible. 

The process has taken so long that my original Termite inspection has expired and I had to get a subsequent inspection completed. 

The company realized that the file was sitting up and has assigned this to a Task Force Processor which has been on the case for a month or so. This latest processor is where the lack of clarity comment enters. Its the bread crumb effect that has ruined the entire process. The bread crumb effect, is where the customer provides a requested document and then another request comes followed by another and the trail never ends. The constant response is the Underwriter, well I havent had this much of an issue when I made the purchase. I want a cash out refinance.

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 2021-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: GA

Complaint narrative:
XXXX XXXX XX/XX/2020 {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am writing to request an investigation of the following information that appears on my XXXX XXXX XXXXXXXX consumer report. 

The above bank closed my accounts without warning. This has grossly affected my business and personal life. As a business owner, sometimes I DBA in my personal name. This isnt in contradiction to any known law. 
Again, I would appreciate a proper investigation into my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I would like to file a complaint regarding my refinancing experience. The experience took over two months and I had very little communication with anyone. I tried contacting the processor on several occasions, left messages and they were never returned. When I finally did hear from the processor she reassured me that everything was looking good and there would be no problems with the refinance. I checked my dashboard daily for updates and there were just a few, maybe once a week. I was sent an email with pre closing paperwork to sign, which I did. Last week I noticed the loan was listed as inactive. I turned down several other lenders so that I could secure a loan with NewRez and now I find out that they did not approve my loan due to income issues. I was never told this when I applied, they said there would NOT be any issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I, XXXX XXXX, submit this claim directly for myself, and there is no third party involved. This is a response to past claims submitted to the CFPB under the following case numbers : XXXX and also XXXX. I have submitted a complaint through the Better Business Bureau in regards to this matter ; the complaint number to reference to is XXXX. I also have a report through the FTC as well for identity theft. Fact, the defendant " Wells Fargo '' has failed to respond to a valid debt validation within the proper timeframe given from Congress [ 15 USC 1692g ( b ) ]. Fact, " Wells Fargo '' was given 30 days to reply from XX/XX/2021, when they received the debt validation letter and a cease and desist ; proof can be found in the attachments " Exhibit [ 13-16 ] '' and " Exhibit [ 17-18 ] ''. Fact, I, XXXX XXXX, have proof in " Exhibit [ XXXX ] '' and " Exhibit [ 10-12 ] '' that " Wells Fargo '' in bad faith continued the collection process without proper verification or judgement of the debt, violated the Gramm-Leach-Bliley, violated the cease and desist [ 15 USC 1692c ( b ) ], and has committed aggravated identity theft of my personal information. Fact, I have provided evidence and a competent witnesses in both of my affidavits sent to " Wells Fargo ''. Fact, " Wells Fargo '' has supplied no facts, witnesses, or evidence to justify what they did. Fact, " Wells Fargo '' is civilly liable for the damages bought unto I the consumer [ 15 USC 1692k ]. Fact, if " Wells Fargo '' does not reply to my affidavit of truth with a counter affidavit, then my affidavit will stand as truth and everything in it, and I will pursue litigation in court with proper jurisdiction, federal court in a class action suit. Fact, I have given " Wells Fargo '' an opportunity to cure sent with both of my affidavits.

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 2021-11-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I had a Bank of America credit card for a few years. At the beginning of 2020, due to XXXX, I fell a few months behind on my payments. Bank of America offered me a settlement to settle my debt for less than I owed, which I accepted. Before my next settlment payment was due, my financial situation improved due to XXXX and offices opening back up remotely. 
I contacted bank of america and asked if I could get out of the settlement agreement and pay them the full amount i owed. I did not want a " settled for less '' on my credit report and I was now in a position to pay the full debt as agreed upon. I was ASSURED on numerous recorded phone calls that this was an option, and that I had successfully exited the settlment agreement and that I could pay down my card balance monthly per normal. I was also ASSURED the account would not be charged off. 
I asked multiple phone reps to make notes on my account, and confirmed multiple times that our calls were being recorded. Shortly after this resolution, Bank of America continued to charge off my account for not meeting the terms of the settlment. 
I have been in contact with them and multiple escalation managers have reviewed the recorded phone calls. These escalation managers, as well as BofA 's legal team, confirmed I was repeatedly given misinformation on the recorded line that lead to the charge off. 
Despite their admission and error, they refuse to remove the charge off from my account even though I have offered to paid the debt in full. 
This account should have never been charged off. If I had been given accurate information, I could have paid off the debt in full at that time. I was specifically told that I'd be able to go back to making monthly payments, that I had successfully excited the settlement agreement and that my account would NOT be charged off. 
Bank of America gave me numerous pieces of bad information on recorded lines that lead to this, and numerous REPs for BofA have admitted/verified this information. 
The charge off is significantly hurting my credit score and my ability to get credit fro other agencies and I want to sue them for the harm they have done.

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 2021-11-24 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: GA

Complaint narrative:
I submitted my FTC fraud report, FTC report # XXXX to Equifax on XX/XX/2021. I called Equifax on Monday XXXX XXXX first spoke with XXXX, XXXX id # XXXX proceeded to ask her did they receive my FTC XXXXShe confirmed she did receive it. I then stated the pursuant to 15 USC 1681 C-2a, once the report was furnished to them it has to be removed from my credit report within 4 days.Once I stated the LAW to XXXX, she told me the FTC report wasnt real and end ended the call. I called Back and Requested a manager, I then spoke with XXXX id # XXXX. I stated the law and requested to have the fraud removed, he also denied my Demand after seeing himself the fraudulent inquiry from XXXX. They are in Direct violation of 15 USC 1681 C-2a, which States the following : 15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code Notes ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NFM, INC
State: VA

Complaint narrative:
NFM Lending will not pay my real estate taxes on my property and I have an escrow account which has more than enough money to pay it. My taxes are due twice a year. I had to pay my taxes myself in XXXX. They then sent a payment to the county after I had paid out of my pocket and the county returned the money to them. So they have been sitting on this money and will not return it to me. So there is another tax bill that is now due. I have called them on numerous occasions talked to a number of people and they all have a different story. I have emailed them and provided them with a copy of the bill from the county in which my property is located. Each time they indicate they are researching the issue. On yesterday, XX/XX/21 I called again to inquire about the status and was verbally informed that my loan is being sold to another Lender effective XX/XX/21. They have not informed me in writing of this change or provided information on how and where to make my mortgage payment for the month of XXXX. I would have never known this had I not called about when they would pay the taxes. This experience with them has been a total nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: TX

Complaint narrative:
I had sent letters to Equifax, XXXX, and XXXX in regards of my credit reporting. According to 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

As you can see on the letters, the credit bureaus are violating my rights by reporting inaccurate information. I have not received any letters stating how those so called debts have been validated. They are violating my rights of 15 U.S. Code 1692g, to verify those debts and show me proof. 

They are reporting inaccurate and misleading information and it is hurting me, my consumer laws are being violated and I have addressed them about and they have done nothing to remove those accounts because they are violating my rights.There 's so many inaccuracies showing on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. 

The above bank closed my accounts without warning. This has grossly affected my business and personal life. As a business owner, sometimes I DBA in my personal name. This isnt in contradiction to any known law. 
Again, I would appreciate a proper investigation into my case. 

Best Regards 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 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have reached out to XXXX several times trying to dispute a fraudulent account I have supplied a FTC report and a police report and the credit bureau still refuses this account that was a result of fraud. I have not been supplied any verification documents or any information in regards to why the account was not removed. The police report and FTC report clearly states I never opened this account and it is not mine and needs to be removed. 

XXXX XXXX- {$1500.00} Date Opened XX/XX/2019 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: CA

Complaint narrative:
I have reached out to Experian several times trying to dispute a fraudulent account I have supplied a FTC report and a police report and the credit bureau still refuses this account that was a result of fraud. I have not been supplied any verification documents or any information in regards to why the account was not removed. The police report and FTC report clearly states I never opened this account and it is not mine and needs to be removed. 

XXXX XXXX- {$1500.00} Date Opened XX/XX/2019 2019

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 2021-11-24 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: NY

Complaint narrative:
On XX/XX/21 I sent a letter out regarding inaccurate and unknown things on my credit report. To this day over XXXX days later I have not received a credible response yet. I feel like I am being taken advantage of and ignored of my disputes. Section 611 ( a ) plainly states that a failure to properly investigate any items within 30 days gives a reason to immediately remove them from the credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Strategic Alliances, Inc.
State: TX

Complaint narrative:
I received multiple phone calls from different numbers trying to collect on a debt that is not mine ( XXXX XXXX ). Because I do rent cars from XXXX, I called XXXX just to make sure there was no issue. ( I pay each rental from a XXXX credit card, not XXXX ). XXXX stated that I have a zero balance and no issues. On the next call from XXXXirst Financial Asset Management ( FFAM ), I let them know that there is no debt and they may have the wrong person. They continued to call. I blocked the number. I was finally a written request to resolve the debt at a discount. I called FFAM today, XX/XX/2021, to let them know that they either have the wrong person or this is a fraudulent attempt to get money. I asked if they could verify my date of birth or the last four of my social security number. The agent had no information on me except phone number and address, which I find extremely suspicious. They have now stated that they will take me off their phone list.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation