vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX  and Equifax credit bureau 's along with the Original Creditors have been reporting negative information at least 2 years on 3 accounts in my credit files.The accounts were investigated and deleted from XXXX XXXX in XX/XX/XXXX while the other CRA 's refused to remove the erroneous items after numerous rounds with them and the suppliers of the information. I sent numerous FCRA 611 and 623 certified letters with either no response or with little documentation to warrant reporting of the items in violation of the FCRA for both the CRA 's and Original creditors. Yet, they continued to verify that the information was complete and accurate after investigation/re-investigation. In the instance of XXXX XXXX, they reported amounts owed of XXXX on previous disputes then jumped to XXXX in others with no proof to substantiate the debt or response to 623 letters. XXXX XXXX XXXX responded to 623 letters only saying they verified that the information to be true and correct but I have yet to see and documentation from them proving this. XXXX XXXX/XXXX XXXX was the same in their refusal to delete even though the CA they sold the account to had deleted the negative information in XXXX. All the information that was investigated and re-investigated shows inaccurate and different information across all the CRA 's so how could it possibly be verified as accurate and complete based on credible investigations?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
While checking my most recent credit report, I noticed a credit inquiry that I did not authorize, made by the following company : Inquiry : XXXX XXXX This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2019-03-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
While checking my most recent credit report, I noticed a credit inquiry that I did not authorize, made by the following company : Inquiry : XXXX XXXX XX/XX/2018 This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2019-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I applied for a credit card with Wells Fargo to take advantage of a balance transfer with 0 APR for 18 months. 
I applied for a {$8000.00} credit line for a balance transfer. They only would give me {$4000.00} so I didnt want the card if I couldnt get the full amount. But Wells Fargo went ahead a gave the {$4000.00} and when I complained they stated they couldnt delete the credit app. But could cancel the credit card but it would show on my credit report. So in the meantime they sent me the card and went ahead and applied electronically {$3700.00} towards my XXXX XXXX credit card without my consent. This clearly is a scam by this company. I feel if they cant give you the amount your applying for they should give a chance to decline their offer and not automatically give it to 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 2019-03-13 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: CITIBANK, N.A.
State: NY

Complaint narrative:
The unauthorized hard inquiry was made by XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/2018. I don't recognize this company, and I never give consent for hard pull on my credit report. 

I can't find any information about this company online, not even an address. I believe this is an identity theft because I also got many spam calls using the real SSN and police department number ever since.

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 2019-03-13 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
New Information PLEASE READ : This account ( Acct : XXXX ) ( {$330.00} ) has passed the statutes of limitations. According to the Fair Credit Reporting Act : [ The 7-year ( credit reporting ) period referred to in paragraphs ( 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action 15 U.S.C. 1681c ] The first reported delinquency was reported prior to XX/XX/XXXX, more than 7 years ago. Wells Fargo in their last response provided a letter stating that the account was CLOSED XX/XX/XXXX. This account was never re-established after being closed. I believe that this account was ERRONEOUSLY RE- AGED. I was told that there was one payment made in XX/XX/XXXX and another in XX/XX/XXXX. My records show no payments made during those years. ( even if payment had been made to the closed account, it would not have, according to law, re-established or properly re-aged the account ). For simplicity sake, I asked for verification of payments and was told that the records were not available due to age and the fact that this account belonged to a prior bank XXXX. 

I have had a very good and very long ( 20 year ) relationship with Wells Fargo and would like to amicably resolve this issue.

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 2019-03-13 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: US Mortgage Resolution LLC
State: FL

Complaint narrative:
My former wife acquired a property in XXXX. I was never on the deed to the property and never lived there. She obtained at least two home equity lines of credit and one mortgage while she owned the house. I was not listed on any of the notes. Since Illinois has homestead laws, I signed a release that I will have no ownership interest in the property and that it will not be a marital asset. The name shown on the notes was " ( her ), married to ( me ) ''. She alone signed the notes, and I only ever signed the homestead release. The loans were originated with XXXX in XXXX, XXXX, and XXXX. In XXXX, XXXX was acquired by XXXX XXXX, and in XXXX, XXXX XXXX was acquired by XXXX. In XXXX, XXXX filed a Lis Pendens against BOTH of us. I am now trying to get a mortgage myself, and I only became aware of this when my credit was pulled and my mortgage company told me I had THREE mortgage collections with XXXX XXXX  and a recently closed mortgage with multiple late payments. By searching public records, I found out that XXXX sold one of these debts to XXXX XXXX  XXXX XXXX in XXXX of XXXX. On the Assignment of Mortgage that is public record, it still lists the borrower as ( former wife ), married to ( me ). I never had any association with this property, and I was never obligated on any of these mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MO

Complaint narrative:
This loan was transferred on XX/XX/XXXX from previous lender XXXX. I received an escrow analysis dated XX/XX/XXXX, that stated the shortage amount was {$1700.00}. I started pulling documents since neither my hazard insurance or real estate insurance had gone up significantly. By doing this I learned that between my hazard insurance and real estate tax the difference from XX/XX/XXXX was a {$32.00} increase, which is significantly different than the shortage amount shows, that is {$1700.00} difference. So where did the money go? I called Rushmore since the numbers were not adding up, I finally spoke with a supervisor name XXXX, who determined when the loan was purchased from XXXX the PMI insurance was never removed and continued to be paid. XX/XX/XXXX I applied for the PMI to be removed from the loan. I received a letter from XXXX stating that as of XX/XX/XXXX the PMI insurance would be removed and the monthly payment would be lowered. XXXX, stated she had the documents stating the PMI insurance had been paid for 12 months, apparently XXXX  adjusted the amount of the payment to reflect no longer having PMI, but did not ever stop paying it. When Rushmore purchased the loan PMI continued to be paid. XXXX did get the PMI removed from the account and since I have not been billed, however I have not been reimbursed for the 12 months worth of PMI taken from my escrow account. This problem was discovered in XX/XX/XXXX, initially XXXX communicated well, however I left multiple messages that were never returned and even tried to contact customer service supervisors and would be promised a call back which I never received. XXXX informed me that the incorrect payments made would have to be refunded and then would be applied to escrow if there was a overage I would be refunded. XX/XX/XXXX I called Rushmore back and spoke with supervisor XXXX XXXX, he said he would file a refund request with FHA to be reimbursed the amount of {$1400.00}. I received one follow up call with no additional information. I then received another escrow analysis that states I had a shortage of over {$1900.00}, and that my mortgage payment will go up in XX/XX/XXXX. I left XXXX several messages without reply. XX/XX/XXXX I called Rushmore once again, I spoke with supervisor named XXXX, who insisted he would look into this and return my call XX/XX/XXXX, I never received a call back. XX/XX/XXXX I called and spoke with a manager named XXXX, who promised to look into this situation and call back XX/XX/XXXX. She followed up with at least a phone call but no additional information. This is not a mistake of the customer but of the loan provider. Im demanding the money that was taken from my escrow account to be accounted for. I have gone months without contact or resolution to this problem. Please reply with written correspondence to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
credit company ( XXXX  ) will not remove this and the opening date is incorrect name : XXXX XXXX date opened : XX/XX/XXXX balance date : XX/XX/XXXX balance amount : XXXX status : closed Credit company ( XXXX ) will not remove this old account, this account is closed but they have it listed as opened. 
name : XXXX date opened : XX/XX/XXXX balance date : XX/XX/XXXX pass due amount : XXXX balance amaount : XXXX 1.Credit company ( transunion ) will not remove this old account delinquencies name : XXXX XXXX date opened:XX/XX/XXXX balance date:XX/XX/XXXX account status : as agreed 2.Credit company ( transunion ) will not remove this old account delinquencies name XXXX XXXX XXXX date opened : XX/XX/XXXX balance date:XX/XX/XXXX account status : as agreed

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 2019-03-13 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:
credit company ( Equifax ) will not remove this and the opening date is incorrect name : XXXX XXXX date opened : XX/XX/XXXX balance date : XX/XX/XXXX balance amount : XXXX status : closed Credit company ( XXXX ) will not remove this old account, this account is closed but they have it listed as opened. 
name : XXXX date opened : XX/XX/XXXX balance date : XX/XX/XXXX pass due amount : XXXX balance amaount : XXXX 1.Credit company ( XXXX ) will not remove this old account delinquencies name : XXXX XXXX date opened:XX/XX/XXXX balance date:XXXX account status : as agreed 2.Credit company ( XX/XX/XXXX ) will not remove this old account delinquencies name XXXX XXXX XXXX  date opened : XX/XX/XXXX balance date:XX/XX/XXXX account status : as agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I sold my single family home XX/XX/2019 at which time my mortgage with Bank of America was paid off per the payoff statement received by the title closing company. Bank of America has failed to refund my escrow account balance of {$2100.00}. As of this complaint date it has been over 2 months since the closing, well beyond the CFPB required rules to refund within 20 days of the loan payoff. 

I have contacted Bank of America numerous times :  XX/XX/2019 -- I receive my promissory note stamped Paid In Full from Bank of America, sent to my old home address that I sold. No escrow check included. 

XX/XX/ 2019 -- I called Bank of America and they tell me a check was mailed to the old address of the home I sold. Check never received. 

XX/XX/2019 -- called again and requested Bank of America to reissue check to new current address. 

XX/XX/2019 -- I received an escrow account activity report Dated XX/XX/ 2019 at my new address from Bank of America showing they owed me {$2100.00} and that the escrow was paid out XX/XX/2019. No check included with the report. 

XX/XX/ 2019 -- called Bank of America again. Was told that they had no request to issue a refund check of the escrow. I again requested a check be sent to me. 

XX/XX/2019 -- called Bank of America again. Was told that the check has not been issued and I need to wait another 10-15 business days.

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 2019-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I contact Wells Fargo Mortgage Modification department on XX/XX/2019 to request assistance due to hardship experienced by my family ( separation ; loss of employment ; medical health scare ; loss of my newborn grandson ). I was instructed to submit documentation through the portal. During the process I was informed I needed to include my estranged husband on the loan modification ( due to our existing status, he is currently not available to me ). I was then informed that we could eliminate the need for him to submit documents by providing a Quit Claim Deed. I finally had someone contact him and got the Quit Claim Deed signed and recorded. I noticed online that they were still requesting a Separation Agreement. During this process I continued to send emails to XXXX XXXX to advise of each step that I had taken to get the documents to her. I also requested that she acknowledge receipt of my communications and documents. I contacted Wells Fargo via telephone and was informed that I would require either the Quit Claim Deed OR the Separation Agreement. I was specifically informed that I did not need both via telephone conversation on XXXX when I called to report I had attached Deed. Today I called Wells Fargo and was informed that my case was being closed ( although the deadline to submit this Divorce Decree requested by Wells Fargo is XX/XX/2019 ). Wells Fargo did not provide a good faith effort to do a Loan Modification. I can pay the mortgage, I just need assistance with the arrears. 
Initial Contact ( Ms. XXXX " XXXX '' ) XX/XX/19 ; Documents uploaded onto portal XX/XX/XXXX ; Email from XXXX XX/XX/XXXX requesting additional documents ; Email to XXXX   attaching W2 and advising re Divorce Decree request ( no response back from XXXX   ) ; Email to XXXX XX/XX/XXXX advising husband willing to sign Deed and requesting an acknowledgement from XXXX of my communication ( no response ) ; Email XXXX attaching executed Deed and requesting acknowledgement of document and whether other documents are required ( no response ) ; email XX/XX/XXXX forwarding time-stamped copy.

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 2019-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: ORG GC GP BUYER, LLC
State: NJ

Complaint narrative:
This GC Services calls late after XXXX and I'm XXXX and on medication, and they wake me and this is disturbing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Hello, I am writing you to ask to receive assistance with an issue for a mortgage ( ending in XXXX ) I have with Chase bank and specifically concerning my credit history. 

I always paid this mortgage on time since XXXX, by automatic withdrawals. Last XX/XX/XXXX instead I wanted to pay with a check of XXXX $ and XXXX $ with a transfer from my checking account with Chase, to cover the whole monthly payment. I asked the assistance of Chase to make sure that everything was fine and I was reassured by Chase : " I have good news ; We have successfully combined your payments of {$900.00} and {$660.00} to satisfy your XX/XX/XXXX monthly payment. Your next payment will be automatically drafted on XX/XX/XXXX. '' ( attached email ). 

Instead it seems that the XXXX $ transfer had not taken place properly even tough my checking account had all the funds necessary. I was not aware of any issue nor at fault, since I was reassured by Chase own words that the payment was successful. Chase did not reach to me to let me know of the issue. On XX/XX/XXXX I received a notice of pre-foreclosure. I immediately called Chase and made again a payment of XXXX $ to cover the XXXX mortgage payment again. 

I know that late payments can affect the credit history so I asked Chase to make sure that they would reverse any bad note on my credit history, since they have made a mistake and I am not at fault. They are not willing to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mary Jane M. Elliott, P.C. Attorneys At Law
State: MI

Complaint narrative:
At the end of XXXX, I sent a request to the credit bureaus to address inaccuracies on my credit file. On XXXX/XXXX/2019, I received a letter from XXXX XXXX XXXX XXXX deceitfully presenting me with paperwork to resemble a " validation of debt ''. Nowhere in this information did the company provide a contract that they legally obtained the debt and was authorized to collect on it. They also failed to provide me with validation of the debt according to FDCPA. This company has willingly, deceitfully, and illegally attempted to collect a debt without honoring my rights as a consumer to validate the legitimacy and ownership of the debt. Upon research of this particular firm, I found several court documents to substantiate that XXXX often engages in these illegal and unethical business practices. They utilize misrepresentation such as seen on page 2 of their letter. They have created a word document and deceitfully represented that as a " validation of debt '' when in fact IT IS NOT in accordance to the FDPCA laws, which they are aware of based upon the numerous lawsuits that this office has had dismissed for this very practice over the last ten years. Yet, then continue to violate the laws they are to adhere to.

They have harmed me irrevocably caused harm in their continued reporting of a debt to my name that they have failed to validate and provide documentation that they legally obtained this debt. This harm has affected my financial well-being and ability to obtain credit in the past as well as the future.

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