vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Openonline, LLC
State: OR

Complaint narrative:
Okay so I just had a screening done to get a job at pet pantry and I got denied because of some charges that I got on my background and these charges are from 2014 okay and it was the last big case I had when I went to prison that was XXXX years ago 2014 so my threshold in this report says XXXX years and so I don't understand why that 2014 case is still showing on my credit on my background report when it's been over 7 years so that needs to be deleted and I probably would have got the job at pet pantry if that would have been deleted because they highlighted which charge made the factor and then deciding not to give me the job and it was XXXX of the charges from the 2014 case so therefore it's now interrupted me getting a job and making me look even worse and I just want it off my report I don't want to look at it anymore it's not a part of me anymore I have to pass time of my life it's over and I want it gone so please can you delete the 2014 case all of the 2014 cases from my background report they're old if you need to know dates and stuff I mean it's really simple to look at my background you see 2014 XX/XX/2014 is the first XXXX is the date filed and then it goes to XX/XX/2014 and going to go to yeah it's just all 2014 cases need to be moved or moved yeah I removed so if I can get done please thank you

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 2022-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Last year on XXXX we had trouble paying because my wife lose her job due to COVID and we spent our savings paying for all, we requested the COVID forbearance, we just skipped few payments on XXXX we approached Freedom mortgage, they said we qualified for refinancing and sent us some paper work we motorized and sent it back, the bank said the notary messed up the documents, they sent another one with another notary they received it XX/XX/XXXX In the process we kept paying monthly what they said we should pay with the refinancing, today XX/XX/XXXX that havent refresh our account, the system shows we are way far behind, the money we have been paying is on the payments history but it has not been applied. We have been calling every two to three weeks and they say sorry about that, they are getting behind but no resolution, I was reported on the credit bureau,

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 2022-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: OH

Complaint narrative:
On numerous occasions I have called and written to XXXX XXXX starting in XXXX when I received the first incorrect billing statement for {$180.00}. I called to notify them that I had returned the equipment for my internet use. I returned the equipment to a dropbox location in XXXX, OK in XX/XX/2021 to a very overflowing box. After receiving the first incorrect bill, I had called XXXX and they told me to not pay the bill it can take a few cycles for billing to catch up because they were behind at their equipment intake center. I called in XXXX again about the bill. Then in XXXX, as noted in the emails attached I inquired about receiving my correct bill. I only every received 1 telephone call from the emails sent stating that their intake department was behind and that I can expect a correct bill in the mail next month. I never received the correct billing. I was still charged for the router on my statement even after multiple phone calls and emails. This was wrongly sent to collections when at all time I was willing to pay the correct bill. XXXX XXXX failed to respond to my written emails that would have accurately documented my requests and attempts at resolution. XXXX XXXX ignored my multiple requests for billing. This is sad because at all times I relied on their communication to me to just wait and be patient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I closed on a {$300000.00} mortgage for 15 years at 3.25 % with Caliber Home Loans. On XX/XX/XXXX, I made the first of XXXX bi-monthly payments via an ACH draw on my bank account. Each monthly payment was in the amount of {$2100.00}. On XX/XX/XXXX, I received a letter from Caliber Home Loans stating that I was in arrears in the amount of {$4200.00}, which would be XXXX monthly payments. They threatened to report me to the credit bureaus. I was not in arrears and stated that in a message posted to their customer service message server and asked them to state that they would not report me to the credit bureaus. 

When I did not receive a response from Caliber in the promised two business days, I initiated a refinance with XXXX XXXX for a 15 year mortgage at 2.625 %. That mortgage closed on XX/XX/XXXX and the payoff amount requested by Caliber was {$290000.00}. The outstanding loan amount, calculated by using an amortization table, was {$290000.00} and the refund owed to me by Caliber was {$2100.00}. On XX/XX/XXXX, I received a check from Caliber in the amount of {$1200.00}, which is {$840.00} less than the amount owed me. 

Well before I received this check, I filed a complaint against Caliber with the XXXX XXXX XXXX. I also filed a complaint against Caliber with the CFPB. I declined to accept the explanations offered by Caliber and, in my last response to Caliber, I requested a detailed statement from them showing how they arrived at the {$1200.00} figure. They refused to cooperate with the XXXX  and the complaint was closed with suggestions on how to proceed further. Caliber closed the complaint I had filed with the CFPB, stating that since the mortgage had been paid off, there was no justification for my complaint. 

If Caliber had responded to my initial complaint and worked with me to resolve it, I would never have filed with the XXXX or the CFPB. But Caliber did not do that. They made no attempt, at any time, to reach out to me to discuss a resolution to my complaint. I had no option but to file the complaints I did as trying to communicate with Caliber is an exercise in futility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: TN

Complaint narrative:
My debit card had unauthorized use ( fraud ) for XXXX transactions from XXXX merchants I never used before.

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 2022-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BCI FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
City national bank, have put me in a stressful and mentally unstable due to their incompetence with my forbearance. Attached fine the letter they send me offering three month of forbearance I will never except anything from them after 8 month of trying to reach out to them. At no time have they CREDIT my late fees of 200 or more plus 30.00 of property inspection. My loan payment went up due to these fee that I was cover under the forbearance act. At no time the loan manager or their assistants have reach out to me I had to take a loan to pay all that past due amount which was not past due. My credit has also been affected because of the late payment they have managed to destroy my credit. The stress and mental issue they have left me is undeserving at these horrible time we are dealing with. Including losing my job after 14 years due to COVID19. My loan increase 50 more dollars due to all the late fee the escrow acct become -. I hope this is resolved soon. Thank you. 

I cant believe that at no time in this letter offered me all my fees back!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC will not allow me to make my XXXX payment, either through processing the auto draft that they have been using for the past months since they took over from BBVA, or by any other means. Customer service can not explain why. My account shows a payment due currently and there is literally no way for me to pay it. There is no eta on when I will be able to pay my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Pursuant to Florida statute 28.222, the clerk of the circuit is the recorder of all instruments that may be required or authorize by law to record. Florida Statute 695.26 ( XXXX ), outlines the legal requirements for recording instruments affecting real property " NO INSTRUMENT BY WHICH THE TITLE TO REAL PROPERTY OR ANY INTEREST THEREIN IS CONVEYED, ASSIGNED, ENCUMBERED, OR OTHERWISE DISPOSED OF SHALL BE RECORDED BY THE CLERK OF THE CIRCUIT COURT UNLESS : ( D ) THE NAME OF ANY NOTARY PUBLIC OR OTHER OFFICER AUTHORIZE TO TAKE ACKNOWLEDGMENT OR PROOFS WHOSE SIGNATURE APPEARS UPON THE INSTRUMENT IS LEGIBLY PRINTED, TYPEWRITTEN, OR STAMPED UPON SUCH INSTRUMENT IMMEDIATELY BENEATH THE SIGNATURE OF SUCH NOTARY PUBLIC OR OTHER OFFICER AUTHORIZED TO TAKE ACKNOWLEDGMENT OR PROOFS. 

Florida Statute 695.03XXXX " To entitle any instrument concerning real property to be recorded, the execution must be acknowledged by the party executing it, proved by a subscribing witness to it, or legalized or authenticated by civil-law notary or notary public who affixes her his official seal, before the officers and in the form and manner following : ( XXXX ) WITHIN THE STATE OF FLORIDA - '' AN ACKNOWLEDGMENT OR PROOF MADE WITHIN THE STATE MAY BE BEFORE A JUDGE, CLERK, OR DEPUTY CLERK OF ANY COURT, A UNITED STATES COMMISSIONER OR MAGISTRATE, OR NOTARY PUBLIC OR CIVIL -LAW NOTARY OF THIS STATE, AND THE CERTIFICATE OF ACKNOWLEDGMENT OR PROOF MUST BE UNDER THE SEAL OF THE COURT OR OFFICER, AS THE CASE MAY BE. ALL AFFIDAVITS AND ACKNOWLEDGMENTS HERETOFORE MADE OR TAKEN IN THIS MANNER ARE HEREBY VALIDATED. 

THE STATUTES ARE CLEAR... .IN THE STATE OF FLORIDA A VALID MORTGAGE FOR RECORDING MUST CONTAIN ACKNOWLEDGMENT FOR ALL SIGNATURES. A MORTGAGE NOT NOTARIZED OR LACKING ACKNOWLEDGMENT CAN NOT BE RECORDED OR ACCEPTED BY THE CLERK PURSUANT TO THE FLORIDA STATUTES. 

Mr Cooper and their legal counsel Choice Legal Group, P.A. HAVE ENGAGED IN PUBLIC CORRUPTION WITH THE XXXX-XXXX XXXX XXXX XXXX OF THE CLERK OF COURTS. ON XX/XX/2020, THE LEGAL GROUP CAUSED TO ILLEGALLY RECORD THE INSTRUMENT DEEMED NOT VALID FOR RECORDING AT THE XXXX XXXX XXXX WHICH IS A CLEAR VIOLATION OF THE MENTIONED FLORIDA STATUTES XXXX 

THIS COMPLAINT SERVES AS PROOF IN THAT THE CONSUMER FINANCIAL PROTECTION BUREAU WERE GIVEN SUFFICIENT PROOF OF PUBLIC CORRUPTION AND PROOF THEREOF VIOLATION OF FLORIDA STATUTES : 28.222, 695.26, 695.03. THIS COMPLAINT SERVES AS PROOF THEREOF IN THAT THE CONSUMER FINANCIAL PROTECTION HAVE BEEN GIVEN CLEAR AND CONVINCING PROOF FRAUD, UNFAIR BUSINESS PRACTICES, AND PUBLIC CORRUPTION IN CONNECTION WITH THE ILEGAL RECORDING OF AN INSTRUMENT AFFECTING REAL ESTATE PROPERTY. ACTION IS HEREBY REQUESTED FROM THE CONSUMER FINANCIAL PROTECTION. LET SEE HOW MUCH INTEGRITY THE BIDEN ADMINISTRATION HAVE OVER PUBLIC CORRUPTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: NY

Complaint narrative:
AN ENORMOUS AMOUNT OF PROBLEMS seems - to have started when something went wrong with XXXX account at XXXX XXXX! 

It was a Checking Accnt. I was using that account to make automatic payments to a lot of Credit Card XXXX. 


When something went wrong with that checking account at XXXX XXXX- it caused things to go wrong with payments to Credit Card Companies! 


Then - that caused Credit Card Companies to start sending false info to my files at Credit Bureaus! 

Then - that caused those Credit Bureaus to send false info about me to a lot more Companies! 

Maybe all over XXXX XXXX? 

How many Companies??? 

Strange thing- if something goes wrong with XXXX account - if it is a checking account- it can spread a lot of problems to a lot of companies! 

I will file a more detailed complaint when I have more time & more energy! 

When I have better health!

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 2022-01-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
AN ENORMOUS AMOUNT OF PROBLEMS seems - to have started when something went wrong with XXXX account at XXXX XXXX! 

It was a Checking Accnt. I was using that account to make automatic payments to a lot of Credit Card Companies. 


When something went wrong with that checking account at XXXX XXXX- it caused things to go wrong with payments to Credit Card Companies! 


Then - that caused Credit Card Companies to start sending false info to my files at Credit Bureaus! 

Then - that caused those Credit Bureaus to send false info about me to a lot more Companies! 

Maybe all over XXXX XXXX? 

How many Companies??? 

Strange thing- if something goes wrong with XXXX account - if it is a checking account- it can spread a lot of problems to a lot of companies! 

I will file a more detailed complaint when I have more time & more energy! 

When I have better health!

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 2022-01-22 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: Navient Solutions, LLC.
State: NJ

Complaint narrative:
These student loans have been defaulted for years due to amount unable to pay. These accounts were closed and due to be removed however they were reported active after 8 years nonactive. This is past statue of limitations and should not have occurred. 
Please help. 
This school previously attended in which loans are from are from a closed down school back in 2007 due to fraud against students. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I had ordered online XXXX sofas from XXXX 's using my Synchrony Bank Credit Card in XX/XX/XXXX. Did not receive the merchandise on promised date of XX/XX/XXXX. Called and cancelled the purchase with XXXX 's in XX/XX/XXXX, closed the Synchrony Bank Account in XX/XX/XXXX. 
XXXX 's force tried to deliver the sofas in XXXX. I refused the delivery because of change of circumstances. 
XXXX 's ran a {$690.00} return charge on the Synchrony Card for cancellation, and Synchrony Bank allowed the charge to go through on a previously closed account. 
So now, I am being asked to pay {$690.00} for merchandise that I did not receive. Synchrony Bank does not respond to my messages. Please help.

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 2022-01-22 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I sent in a letter regarding unauthorized inquiries on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have previously disputed with XXXX XXXX and equifax on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report shows XXXX inquiries made in the last 120 days. These are inquiries I did not approve. The companies are listed on my report as XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX  on XX/XX/XXXX, XXXX XXXX XXXXn XX/XX/XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX  on XX/XX/XXXX, PXXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX  XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX card on XX/XX/XXXX. I also had a credit card with XXXX opened with my social security number but incorrect name and address in XX/XX/XXXX. I was able to contact that company and file a fraud claim with them.

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 2022-01-22 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
AN ENORMOUS AMOUNT OF PROBLEMS seems - to have started when something went wrong with XXXX account at Wells Fargo! 

It was a Checking Accnt. I was using that account to make automatic payments to a lot of Credit Card Companies. 


When something went wrong with that checking account at Wells Fargo- it caused things to go wrong with payments to Credit Card Companies! 


Then - that caused Credit Card Companies to start sending false info to my files at Credit Bureaus! 

Then - that caused those Credit Bureaus to send false info about me to a lot more Companies! 

Maybe all over XXXX XXXX? 

How many Companies??? 

Strange thing- if something goes wrong with XXXX account - if it is a checking account- it can spread a lot of problems to a lot of companies! 

I will file a more detailed complaint when I have more time & more energy! 

When I have better health!

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 2022-01-22 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: IL

Complaint narrative:
I have previously disputed with transunion, XXXX  and XXXX on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2022-01-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have previously disputed with transunion, experian and XXXX on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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