vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I applied for a refinance on XX/XX/XXXX, at which time I authorized TD Bank to run a credit check. After multiple missed deadlines on their part, they decided to run another credit check on XX/XX/XXXX without my consent. I've emailed them multiple times asking for proof of my authorization and for them to remove the hard inquiry if they're unable to provide proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
We had a home equity loan with XXXX, with Nationstar being the servicer. We went on a forebearance plan in XX/XX/XXXX due to Covid and losing income because of it. We renewed it every 3 months with it supposed to be ending in XX/XX/XXXX. Our hope was to defer the payments we missed after it ended in XXXX and start fresh. We received a letter from Nationstar that said as of XX/XX/XXXX our new servicer would be XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all payments should be directed to them after XX/XX/XXXX. I called Nationstar and talked to a rep and asked why this happened and they said it just does and nothing has changed except they would be who you make payments to after the forebearance ends. Then on XX/XX/XXXX I received a letter that they are actually a debt collector and I had to do a loan modification with them to pay back the entire home equity loan. This is being reported as our loan went to a collection agency and is a bad mark on our credit report. It was not our fault that this happened snd we were never told it was being sent to a collection agency. We want this off our credit report. Nationstar totally missed that the loan was in forebearance and under the cares act we should have been protected, not sent to collections!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: FL

Complaint narrative:
My partial identity was apparently used to open two different accounts with US bank on XX/XX/XXXX and on XX/XX/XXXX according to XXXX  records, both accounts were fraudulently opened using an address and phone number not associated with me and apparently they submitted payments using a bank account not associated with me as investigator XXXX from the fraud department of us bank was able to verify by calling the bank with me online and hearing from the XXXX XXXX agent that this account was not associated with me. 
I learned of the existence of these fraudulent accouts through XXXX  after reviewing the annual free copy of XXXX  and not because US Bank has communicated with me at the time these accounts were opened or any other time, neither by letter, nor by account statements., phone calls or emails, not even when I opened my first dispute through XXXX  in XX/XX/XXXX when I reported the two fraudulent accounts and on XX/XX/XXXX they denied my dispute without having 100 % accurate information of my identity and so on I was also denied on XX/XX/XXXX ensuring that the information had been verified as AUTHENTIC, which is not real as I can prove through my DL, phone number, email address etc. 
After several months trying to resolve this negative situation through XXXX  and XXXX  without any favorable or valid results, I decided to contact US Bank directly and finally this morning the agent XXXX from the fraud department called me with a defiant attitude and without any professional ethics. nor any valid proof, He try to make myself responsible for a debt that does not correspond to me and accuse myself of being a liar and forcing myself to call XXXX XXXX to verify with the bank that the account that US Bank had as a reference of payments made to those fraudulent accounts indeed did not belong to me, yet So he refused to remove those fraudulent accounts from my record claiming that he still has evidence against me even though the address, phone number, email and bank account from XXXX XXXX are not associated with me Upon hearing this, I asked him to speak to his supervisor to try to find a coherent answer, and he denied that option, telling me that the supervisor would call me in 48 hours.

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 2021-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
From previous claim of dispute of my public record. Attachment proof from the court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
From previous claim of dispute of my public record. Attachment proof from the court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: Risecredit, LLC
State: MO

Complaint narrative:
I emailed and called Rise Credit XXXX to get them to remove the 30 day delinquency from an already paid off account, they initially saw that they made a mistake and said they would get me their dispute team to their dispute team trying to tell me everything was correct when it was and still is not reporting correctly. I tried to give them a chance to correct their mistake but I wouldnt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute letter to all three credit bureaus. I received a response from all three credit bureaus. On XX/XX/XXXX, I sent a demand of action letter to all three credit bureaus demanding the removal of all duplicate XXXX accounts. XXXX has not removed these duplicate accounts. XXXX  and XXXX  have. Two accounts with account # XXXX and two accounts with account # XXXX ( for a total amount of {$4300.00} ) are showing closed in the same frame and showing POSITIVE with XXXX. On XX/XX/XXXX, XXXX submitted an in-school deferment request to XXXX. As of XX/XX/XXXX, they noted the account, " No adjustment needed, '' because the accounts are closed. They can not confirm my deferment because the accounts were closed. Also, on XX/XX/XXXX, I sent a correction to the credit report to remove Kohl 's which was paid in full on XX/XX/XXXX. They have failed to remove that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
I was unsuccessful in receiving proper attention to three fraudulent activities on my Chime account. Attached you will find my replies to them as well as their reasons to why they do not believe me. I truly think they are absurd and really did not look into the activities that was ran within the time frame. I was told from an associate that my card information was ran and denied over 10 times until this person was successfully using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XX/XX/XXXX my NV UNEMPLOYMENT BANK OF AMERICA CARD WAS HACKED for {$420.00}. Bank of America sent a new card no problem. A month later they froze my new card do to fraud on XX/XX/XXXX with no explanation. Had to verify my identity with NV unemployment which I did on XX/XX/XXXX. Received a letter from Bank of America dated XX/XX/XXXX to call the service line to unfreeze my account. Call the number only to be told they can't do anything to unfreeze it. Bank of America is unwilling to solve this issue only to be told to call NV unemployment.

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 2021-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc.
State: OK

Complaint narrative:
XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2021 Multiple contacts with CMRE and supervisor XXXX XXXX XXXX to immediately cease all collection activity as FTC Identity theft Affidavit and multiple police reports provided. 
XXXX XXXX XXXX XXXX XXXX XXXX indicated he would contact XXXX  and XXXX  to delete the fraud account, and sent a deletion letter to me via email. 


Numerous conversations with XXXX  : representatives XXXX XXXX and XXXX, 2021 indicating that CMRE has not sent Deletion letter on the above referenced account, nor have they sent via E Oscar the proper coding for deletion of this Fraud Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IA

Complaint narrative:
The end of XX/XX/XXXX I received a notice that my payment would go from {$650.00} to {$770.00} due to escrow shortage. I called the mortgage company and spoke with the lady who is my contact I spoke to her on XX/XX/XXXX she took my payment by phone I told her my concern about the increase she switched me to another single point of contact on XX/XX/XXXX i left a voicemail XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX. Then I was sent to another contact on XXXX lm, again on XX/XX/XXXX mailbox full, then XXXX contact on XXXX lm, XXXX lm twice, XXXX lm 2 times and XXXX lm. I then called initial contact on XXXX and again XX/XX/XXXX XXXX  response. I think after 2 months it should be resolved. Poor customer service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Checkr, Inc
State: CA

Complaint narrative:
Checkr background check suggests that I have lived in XXXX tho I have never lived in any state other than XXXX XXXX, or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Delta Management Associates, Inc.
State: WI

Complaint narrative:
Yesterday, XX/XX/2021, I filed a complaint against this company, Delta Management Associates , Inc. Today, XX/XX/2021, they called the XXXX of my school, his Administrative Assistant, and Human Resources to " verify employment for someone in the XXXX XXXX  Office ''. The Human Resources staff member forwarded me the message left on the Superintendents phone and it was left by a XXXX XXXX, Reference # XXXX, and to return his call immediately at XXXX XXXX. '' While the message was being left, the Admin Assistant to the XXXX received another phone call from woman who wouldn't give her name and wanted to verify my active employment and asked for her to give out my SSN and date of birth. Instead, the HR staff refused and tried to get her name and phone number and then hung up. 
Immediately, my work day was interrupted with this harassment, embarrassment, and stressful situation. I have repeatedly informed Delta Management Associates, Inc that they have the wrong person and our SSN were mixed up, the person they want has a birthdate in XXXX and lives in Minnesota. 
The man and woman of Delta Management were exceptionally rude, not willing to listen, and said they would continue to call until they get the information to collect an outstanding student loan debt of over {$200000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: PRONTO FINANCE INC.
State: IN

Complaint narrative:
I am attempting to purchase a car from my cousin 's lot so he came to my house to check my credit before i spent time going to the dealership to get approved for financing. Upon reviewing my credit profile on XX/XX/XXXX at XXXX at the address listed, i discovered the listed erroneous accounts reported to my personal credit profile : Account Name : XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$700.00} Account Name : XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$6500.00} Account Name : XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$550.00} Account Name : XXXX XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$940.00} Account Name : XXXX XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$470.00} Account Name : XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$110.00} Account Name : ACCT ADJSTMT Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$2300.00} Account Name : XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$1500.00} Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$1200.00} Below are erroneous Inquiries : XXXX - XX/XX/XXXX XXXX  XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX XXXX Finance/Personal XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX  XXXX XXXX Auto Financing XX/XX/XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  Automotive XX/XX/XXXX XXXX  XXXX XXXX Auto Financing XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: CA

Complaint narrative:
Experian has incorrectly reported serious delinquency affecting my FICO score. Experian is 100 points lower than XXXX XXXX or XXXX  due to this incorrect 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 explanation
Consumer complaint received 2021-02-10 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: Nevada Credico, Inc.
State: NV

Complaint narrative:
Account was placed with collection agency ( Quantum Collections ( XXXX ) XXXX ) for {$750.00} by XXXX XXXX XXXX XXXX ( XXXX ). This account was settled and paid in full directly to XXXX. Quantum Collections merged/was sold to XXXX XXXX XXXX ( XXXX ) XXXX ) and XXXX XXXX XXXX now shows the erroneous/paid off debt while Quantum is reporting the same, duplicated account. Phoned Quantum ( which is now XXXX XXXX ). They stated they were aware of the duplication of accounts reported and they are working to correct. I asked them to remove their accounts as they were duplicates and because I have settled/paid in full direct with creditor. They said I should call XXXX to correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
This is my second time complaining. Shellpoint is completely incompetent. See below a chain of events : 1 ) Even though we paid flood insurance in full and provided them with declaration pages, they put insurance on the house and required an escrow 2 ) Even when they provided flood insurance information, they still did not remove the escrow. This is still a point of contention. They tell me they are collecting the escrow for next year 's premium 3 ) We paid our property taxes in full to XXXX County. It turns out they paid it as well 4 ) Now that they discovered the double-pay, they have materially increased our escrow I have called them numerous times, and they will not address this issue. We pay for everything in full and directly, and instead of removing the flood insurance escrow, they now slapped on a property insurance escrow. 

This is absurd. I have never complained to CFPB before, and now I am complaining twice on the same issue. Can you please help me? The first inquiry actually yielded negative results, since they INCREASED my escrow after I complained.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: OH

Complaint narrative:
An account that was paid in full and is still reporting on credit report and needs to be removed. The following account : -XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: HI

Complaint narrative:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: OH

Complaint narrative:
An account that was paid in full and is still reporting on credit report and needs to be removed. The following account : -XXXXXXXX  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 2021-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo Home Mortgage recently transferred my home mortgage loan to XXXX XXXX XXXX. The documentation I just received from WF included a loan modification agreement. I didn't have a loan modification with Wells Fargo so I need to know exactly why they sent me paperwork about it. I agreed to a loan mod with WFHM in early 2020. Because of the pandemic, I did not get the paperwork signed and notarized by the date specified by WF, and they cancelled the loan mod. I did not apply for a loan mod after that time, nor did I sign any paperwork for a new loan mod or get paperwork notarized. I would like a response from WFHM explaining why loan mod paperwork was given to me. If they are claiming I have a loan mod, it is a fraudulent loan mod on the part of WF.

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