vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: U.S. BANCORP
State: AK

Complaint narrative:
I Who bank information has been leaked by the bank, was trying to get a debt consolidation loan. not only washtingn state XXXX, so did XXXX Washington state. before i even get in the bank people is calling out my info, not the bankers the customers. when i applied for credit card that said i did qualified for it and now 2 months later they wet fro XXXX to XXXX  unless one of te bankers lied. said i qualified for it. on day f application a XXXX and banker saying XXXX word and banker said don worry we wont him get it, we trying to start a race war with him. red line. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX wa us bank mortgage. then yall keep locking my account for no reason so i wont make payments despite meeting the standard ad requirements they denied me cause of my real XXXX not XXXX op XXXX race. 

i know y'all XXXX XXXX XXXX claim y'all want war but y'all need to feed nd absorption profile my system first. that a simple fix.

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 2021-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: DC

Complaint narrative:
I have applied for Public Service Loan Forgiveness with the company Fedloan Servicing. I received a letter from them in XXXX confirming they had received my application and would review it. The letter provided an account number, URL, and a telephone number for getting updates. I tried using their web portal to access information, but could not log in. I have tried calling the company for an update about the application at least half a dozen times. Each time, save for one, Ive waited on hold for half an hour. Only once did I manage to get a person on the linein that instance, she said she couldnt find my account number, transferred me, and then I waited for 40 minutes before giving up. 

I need to know if I will have to restart payment on these loans in the new year. Ive been a dedicated federal employee for over 10 years and am deeply frustrated with how inept this company has proved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16 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: Social Finance, Inc.
State: FL

Complaint narrative:
Sofi Lending Corp and XXXX has reported defamatory information about me to XXXX on XX/XX/. I am challenging the incorrect information with the Sofi and XXXX inquiries on my credit report. Where Sofi clearly violated the law. Sofi and XXXX put on my credit report an inquiries that is not mine. The inquiry is false and the date false. Verification of claim against me ( a sworn affidavit ) Im challenging this inquiry with Sofi and XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this inquiry such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete/remove inquiry from XXXX credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
DEROGATORY REPORTING ON CREDIT OF XXXX XXXX, SECTION 611 AND 609 BUREAU DISPUTE VIOLATIONS, DELETIONS TO CREDIT REPORT RE : PETAL account # XXXX open date XXXX it appears that derogatory and defamatory information was ledgered to a XXXX XXXX XXXX by XXXX, which has resulted in my being damaged, as such action causes the by way of denial of credit due to the inaccurate information. 

I am challenging the incorrect information with XXXX on my credit report. Where XXXX clearly violated the law. XXXX put on my credit report an account that is not my and the balance is false. The one monthly payment of an account that is completely false, incorrect. The account is false, the date and the amount. I am a victim of identity theft. XXXX is attempting to collect an alleged debt on the basis of fraud. XXXX decided to ignore my demands for Validation. Validation of the debt XX/XX/2021. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify this account has hurt my ability to obtain credit. Under the XXXX unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following account be verified or removed immediately. 

- XXXX account # XXXX open date XXXX Provide Physical Proof of Verification : Unverified Account CC : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX By : XXXX XXXX XXXX XXXX Party Creditor, Authorized Representative, Attorney-In-Fact in behalf of XXXX XXXX, XXXX XXXX. 
All Rights Reserved XXXX XXXX / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax have violated my consumer rights. According to 15 USC 1681i ( 5 ) ( B ) ( ii ) ( iii ) and 15 USC 1682g Equifax have reinserted negative items onto my credit report illegally. I demand that the negative accounts from XXXX XXXX that was previously removed be deleted and blocked. It is illegal to keep the negative accounts on my file without any written consent of reinsertion. I know my laws and I will make sure they are enforced. Attached is my XXXX report showing the accounts were not there but and XXXX report when they were reinserted. 
XXXX XXXX. {$61000.00} XXXX XXXX. {$5400.00} XXXX XXXX. {$6400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
In XX/XX/2021, I received a letter from XXXX claiming I didn't pay my property taxes. Since the inception of my mortgage, my property taxes have been paid timely automatically from my Escrow. However, PennyMac failed to pay property taxes causing me to receive an embarrassing rebuke from the County, for which, I entrusted this responsibility to Penny Mac from origination to on-going maintenance of my mortgage. PennyMac claimed there was insufficient money in my escrow once " I " made them aware of this issue, in which is another problem within itself and should open question to Penny Mac 's capabilities and controls for monitoring similar issues with other borrowers. Nevertheles

s, PennyMac presented options in which they could resolve the issue, in short, they submitted a payment to the County AND " elected to '' roll the balance into my ongoing mortgage monthly payments for 3-4 years without my expressive consent. I have issue with PennyMac 's management and oversight of its escrow activities. PennyMac should have had better processes and controls in place to detect and prevent this property tax gap and miss-payment. PennyMac took over this loan through a refinance and should have had processes in place to ensure my property taxes would be paid timely, just as the previous owner of the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: VA

Complaint narrative:
I'm with Midland mortgage as my service provider. I've been in the FHA forbearance protection by the government up until XX/XX/2021. They even sent me a letter stating that XX/XX/2021. The month of XXXX came and I started receiving numerous phones calls from Midland Mortgage. They even left a voicemail requesting I call them back. Their billing department answered and said they was removing from my forbearance plan early and place me in review. I said don't do that because I'm not ready. They still done it anyway. I called several times trying to get on my forbearance plan as stated until XX/XX/2021 and they said I was. Then later said I wasn't and couldn't place me back on because I should have expired already. Its not true

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 2021-11-16 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: NJ

Complaint narrative:
Dispute took longer than 30 days XXXX this account is stopping me from purchasing my first home

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 2021-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Bank of America erroneously and feloniously stole U.S. Currency from me in the amounts of XXXX XXXX XXXX-XXXX  Dollars and XXXX Cents ( {$30.00} + {$330.00} ) and subsequently closed my managed, checking account. I ask that you intervene and assist in resolving. 
On XX/XX/XXXX, my now closed, Bank of America had a checking account balance above {$4.00}, and not more than {$5.00} On the same date, I transferred a total of {$58.00} from my XXXX account into my Bank of America checking account. ( See the attached proof ) Subsequent to the transaction, I went to a Bank of America ATM, proceeded to withdraw the {$58.00} ; yet, the Bank of America ATM advised me that my balance was XXXX. The ATM also advised me that by withdrawing I could overdraw, which was not accurate because the {$58.00} was transferred into an existing balance of {$4.00}, which would bring the balance to $ XXXXso, by my withdrawing {$60.00}, the balance would have been $ XXXXthis equates to no overdraft and the {$30.00} overdraft fee that Bank of America has charged becomes erroneous and an act of theft. Bank of America must reverse the fee. 

Moving the saga on, prior to all of this I had an ongoing dispute in the amount of {$330.00} against a merchant named XXXXBank of America has been informed of the merchants acknowledgement of my cancellation of the order ; yet, Bank of America has closed my account and has not informed me why my funds have not been returned. ( See attached proof )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I checked my credit report and found this credit account that I have no knowledge of.

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 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been contacting Transunion since XXXX XX/XX/XXXX to removed my credit freeze for 2 days for my mortgage company to pull my credit. The weekend went by and no prevail, called 8 times on XXXX XX/XX/XXXX and spoke to 5 different people whom all said they removed it just to again have no prevail. Called again today and spoke to XXXX and requested a manager because after speaking to 6 people ( she is # XXXX ), I am highly frustrated, disappointed, disgusted and in awe of this process. She did not send me to a manager and requested to fix it herself and saw that I verified my identification less than 24 hours prior and I informed her to just remove the entire freeze because of their unprofessionalism and unwillingness to assist, this may make me miss my closing date and I may lose my home I was purchasing. Even their online site has been down since I've known in XXXX and won't let you place or remove a freeze as it only says unknown. Someone needs to revamp Transunion as it's causing issues with keeping someone out of our accounts as they don't help with removing freezes in an appropriate time and no one should have to call that many times or speak to that many people to get one thing 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 2021-11-16 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX XXXX and JPMC has reported defamatory information about me to XXXX on XX/XX/2021. I am challenging the incorrect information with the XXXX and JPMC inquiries on my credit report. Where XXXX clearly violated the law. XXXX and JPMC put on my credit report an inquiries that is not mine. The inquiry is false and the date false. Verification of claim against me ( a sworn affidavit ) Im challenging this inquiry with XXXX and JPMC of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this inquiry such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete/remove inquiry from XXXX credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: TX

Complaint narrative:
On XX/XX/XXXX, I noticed a drastic decline in my credit score. Upon thoroughly reviewing my XXXX report, I noticed an account with XXXX XXXX reporting completely inaccurate balance information. 

The balance on the loan with XXXX XXXX is at {$0.00}. However, XXXX is currently reporting the balance as {$38000.00}. 

This reporting error has caused major damages to my fico score ( 40 point drop ) due to the direct effect to my utilization. 

I sent a letter in XX/XX/XXXXrequesting this error be updated upon receiving the notice of this error. 

That letter was certified and is recorded as being received by XX/XX/. 

As of today, XX/XX/, this error is still being reporting as it previously was on on my profile ... in error.

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 2021-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
We purchased our home insurance from XXXX XXXX. but no matter how many policies we forwarded them and other proofs that we gave Tiaa, they would not drop their escrow ins. However, Tiaa did drop the escrow ins. after the complaint was made through Consumer Finance Protection Bureau. Thank you CFPB. Now Tiaa ( XXXX  ) will not accept our mortgage payments saying through a lettter stating that we are in default and we own payments for XXXX, XXXX, XXXX XXXX and XXXX of this year. Our mortgage pmt.is XXXX. The two paymts. for XXXX and XXXX shoew {$580.00} - we do not know where this amount originated. XXXX said we are in default for these payments and a corporate advance balance ( interest ) of XXXX. The total default is {$4.00}, XXXX and is due! XX/XX/XXXX. These payments are recorded as received by XXXX but they will not accept them. We called XXXX and the agent said that he found an error that XXXX had made as they applied our XXXX XXXX payment to the escrow ins. We asked him to correct the error and he said that they could not as this occurred over six months ago and the error will not be corrected. We asked, then how can we resolve the issue and continue to pay our mortgage. There was no answer. This is the way TiaaXXXX is going to take our home- by legalized theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Champion Mortgage ( XX/XX/2021 ) says my property insurance is in good standing @ XXXX dollars, yet I received a letter from Champion Mortgage that says they are going to foreclose because of my property insurance. Also, Champion Mortgage tells me to continue making monthly payments to eliminate the default balance. Champion Mortgage is accepting my monthly payments at the same time they say they are foreclosing on the default balance. This sounds like unfair double jeopardy and the foreclosure threat should be removed immediately. Yes, immediately! This sounds like a crooked scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanSnap, Inc.
State: GA

Complaint narrative:
In XX/XX/, I received a letter from XXXX claiming I didn't pay my property taxes. Since the inception of my mortgage, my property taxes have been paid timely automatically from my Escrow. However, LoanSnap calculate and factor in adequate property taxes into my refinance mortgage, causing me to receive an embarrassing rebuke from the County, for which, I entrusted this responsibility to LoanSnap at inception and closing of refinancing of my mortgage. Due to LoanSnap 's error, my escrow accout was short one of the two required property tax payments to XXXX, in which unexpectedly set me back ~ {$2800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: NJ

Complaint narrative:
Dispute took longer than 30 days XXXX this account is stopping me from purchasing my first home

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Dispute took longer than 30 days XXXX this account is stopping me from purchasing my first home

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 2021-11-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I noticed a drastic decline in my credit score. Upon thoroughly reviewing my Experian report, I noticed an account with XXXX XXXX reporting completely inaccurate balance information. 

The balance on the loan with XXXX XXXX is at {$0.00}. However, Experian is currently reporting the balance as {$38000.00}. 

This reporting error has caused major damages to my fico score ( 40 point drop ) due to the direct effect to my utilization. 

I sent a letter in XX/XX/XXXXrequesting this error be updated upon receiving the notice of this error. 

That letter was certified and is recorded as being received by XX/XX/XXXX 

As of today, XX/XX/XXXX this error is still being reporting as it previously was on on my profile ... in error.

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 2021-11-16 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: IL

Complaint narrative:
Unauthorized use of my credit report. Reporting incorrectly.

Company response to consumer: Closed with explanation