vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lennar Financial Services, LLC
State: WI

Complaint narrative:
On XX/XX/2023, a loan officer provided me a loan estimate with a floating rate. She noted that once the rate was locked, she couldn't open it. I replied in an email that we should move forward with the lock process with the expectation that the lock wouldn't be effective until after I signed to disclosures. 

I have yet to receive any disclosure documents or sign anything. So, on XX/XX/2023, I requested an updated loan estimate with changes. She said it was too late and that I needed to sign the loan estimate provided on XX/XX/2023. 

If I haven't signed the loan estimate or any rate lock documents. I don't understand how it is too late to make changes.

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 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore XXXX requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

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 2023-01-25 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: NY

Complaint narrative:
The XXXX is showing up on Experian as a credit card usage. The appropriate category is Mortgage not a credit card. Please have Experian updated.

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 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX U.S.C 1681 section 602 A : States I have the right to privacy. 

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2023-01-25 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: GA

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
Per certified mail tracking, It's been XXXX months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
I had a house fire in XX/XX/XXXX I sent flagstar my claim check to pay off my house and then was to receive the rest of my claims check back they received my check XX/XX/XXXX XXXX XXXX and it's now XX/XX/XXXX XXXX XXXX and I have nothing back!! iv called and called and every time I get the run around no one knows nothing absolutely ridiculous!! they even lied saying it was sent out and it wasn't I checked with XXXX directly!!!

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 2023-01-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
My boyfriend and I moved in together last year and joined our insurances and created a joint food account, last XXXX including checking accounts, auto insurance and renters ' insurance. USAA was told to add me to the renters policy and now they are saying it's just in my boyfriends name. This is not not true or fair. They will not talk to me about it and are being very rude. Now I have to file a claim for stolen property and they are saying I'm not covered. I should have been on that policy since last XXXX and this should be illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: FL

Complaint narrative:
At the end of XXXX I turned XXXX years old. My husband has passed away. My husband was a veteran and that is how I have a VA loan. I needed to stay home and isolate during the pandemic out of fear of infection. After the forbearance I requested a VA partial claim on XX/XX/XXXX. The partial claim was sent out XX/XX/XXXX. My memory is not great and I misplaced the documents and did not return them in time. My understanding that since the partial claim did not go through is that I am eligible for another one. I requested an updated partial claim. My interest rate is 3.25 % and a partial claim would have allowed me to keep that rate. My lender refused to send my loan to VA for another partial claim. Then in XXXX, XXXX they ran my loan for a modification and sent me an application. I did not fill the application out correctly and it was denied. I was verbally told the VA was unwilling to help me. I asked for the VA denial in writing and was told they would not provide. My lender is now calling XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They refuse to take my husband 's name off the calls ( even though they have the death certificate ) and they call and ask for my deceased husband. This is very hard on me as his death was very difficult for me. I ask them not to leave voice messages for my deceased husband as it causes stress, they told me no. I feel as though I am in a bad position because my lender did not send me to VA for the partial claim while it was available. Also, they have sent me to an attorney for foreclosure action. How can they foreclose and kick me out when they blocked assistance that would have brought my loan current?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: AL

Complaint narrative:
XXXX XXXX sent an account to a collection agency trying to collect debt that is not mine. I have explained to them that me and a family member has the same or similar name. I explained to them this issue, and I was advised to complete a fraud packet. I sent in the fraud packet. I called and spoke with the XXXX department 30 days after sending it in, and I was told " the account would be removed from all of my credit reports. ''

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 2023-01-25 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: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
On XXXX XXXX I sent a letter to collection agency Wakefield & Associates. They received letter XX/XX/2022, which is stamped on the Certified receipt. I have attached Certified receipt. Requesting full validation of Account # XXXX. I have attached letter I sent over to them. They have violated my rights as a consumer, not once but twice! First they sent me itemized receipt of account listed on my credit reports, their itemized letter clearly says I have a balance due of {$290.00} but on my credit report it is showing a balance of {$320.00}, I have attached a photo of that account showing on my credit file. So they are reporting inaccurate information on my credit reports. Second Violation they never put a " notice of dispute '' after 30 days of receiving my dispute, As you can see on the photo I submitted nothing was ever put under the comment section, they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ) As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
My mortgage was sold and is now managed by LoanCareXXXX . I paid every month and early. Their system misapplied the funds. They have proof of all payments and can easily see that the payments were early. However, while it was under investigation, they submitted to all the credit agencies that I was late on my payments. They did not notify me of this submission until after, no warning whatsoever. They have the money, yet continue to report to the credit agencies that I am late on my payments. I have tried to work with them multiple times, and continue to be told that it is fine. However, my credit keeps going down because of their mistake. They refuse to solve the problem.

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 2023-01-25 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: OH

Complaint narrative:
UPON CHECKING MY CREDIT REPORT IVE NOTICE SOME UNAUTHORIZED FRAUDULENT INQUIRIES ON MY CREDIT REPORT ACCORDING TO THE ( FCRA ) THESE FRAUDULENT ITEMS MUST BE REMOVED.

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 2023-01-25 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: GA

Complaint narrative:
i am attaching a letter that explains why I am disputing the changes on my credit report. after reviewing my credit I am asking all the credit bureau reinvestigate the information on my report any misspelled or wrong information.NAME : XXXX XXXX XXXX Address:XXXX  XXXX XXXX XXXX ga XXXX Date:XX/XX/2023 I just looked at my credit report because i have huge goals. I am looking to buy my first house. I just wanted to make sure everything was reporting 100 % correct andeverything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. 
Account name : XXXX XXXX account number:XXXX  investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 
Account name : XXXX XXXX account number:XXXX investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 
Account name:XXXX XXXX XXXX  account number:XXXX investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 
Account name : us bkpt ct GA XXXX account number:XXXX investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 
Account name : XXXX XXXX XXXX account number:XXXX investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 
Account name : account number : investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit 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 2023-01-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
I have recently come to learn that my mortgage note was sold several times into a XXXX. The XXXX and XXXX XXXX reveals that my realty was securitized. The amounts are unclear. This scenario was not disclosed to me during closing and the signing of the XXXX XXXX XXXX XXXX on XXXX, nor the refinance on XXXX. Disclosures are very much the ideal under the Home Ownership & Equity Protection Act, Title 15, United States Code, Section 1639. The XXXX and XXXX XXXX, a public document, is also accessible to the XXXX XXXX XXXX XXXX. I am certain the profits derived from such mortgage-backed securitization was more than enough to extinguish my mortgage debt. '' It is my understanding that wagering monetary contracts are to be settled and closed in 3 years by the state comptroller of the currency. Planet Home Lending misrepresented themselves as " lenders ' in the transaction and on IRS tax documents. It appears Planet Home Lending is engaging in a conspiracy to defraud me and the UNITED STATES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management
State: NC

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc
State: TN

Complaint narrative:
I received a check from my property management company on XX/XX/23 I did a mobile deposit via the Chime app. Chime deposited the check but held the funds and did not make them available. On XX/XX/23 I got a email stating the check was returned on XX/XX/23 due to stop payment. I verified with the issuing bank XXXX XXXX XXXX their was not a stop payment on the check it was a issue of the positive pay being done. Since i knew they check was good i tried depositing it into my XXXX XXXX Bank account XX/XX/23. The following week on XX/XX/23 XXXX XXXX advised me the check had already be deposited. I called the property management company as well as went to a XXXX bank location and was advised from both that they check shows it was deposited and has not been returned. I was givine a document showing proof it was deposited from XXXX. Chime has not shown any proof this payment was returned. They stated it had to be mailed and would take XXXX business day but i stil have gotten anything. The email support they have have not been helpful at all. They have not shown me any proof the check was return or even what account it was shown to they should be able To show me something just like XXXX did proving it was returned & showing the account it was returned to to verify it was returned that said XXXX account. Also the return transaction has disappear all together from my account which is very suspicious because why can i no longer see the returned check transaction on XX/XX/23 it like it was done purposely. The money was to help me move in my new place & i feel like money was stolen or it was return to the incorrect account or has been returned like they said. Because if it was returned XXXX should be able to verify it was returned. I need assistance with getting Chime to return the check to XXXX or prove they did already.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-25 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: TN

Complaint narrative:
On my TransUnion Credit Report, I have been disputing the XXXX XXXX XXXX ( XXXX ), account # XXXX, amount {$610.00}, for close to 12 months due to inaccuracies and incompleteness. First, despite three certified validation letters to PRA, they have not validated nor provided me with any evidence from the original creditor that they own this account. I have never done business with this company nor have they ever contacted me that I owed this debt. Why it is on my credit report? As for the TransUnion credit report, I have sent six certified letters ( attached with the account highlighed in yellow ) to TransUnion regarding inaccuracies and incompleteness requesting corrections and deletion of the account but they have ignored the documented evidence and continued to report these errors and absences. I have attached my most recent TransUnion credit report ( Dated XX/XX/2023 ) as evidence of these FCRA violations and that these problems have not been corrected : 1 ) the Date of Last Payment is missing, 2. ) the Date of Last Activity is missing, and 3. ) The Date of 1st Delinquency is missing which makes it impossile to determine when this account will fall off the report. The report is also missing the Accounts Charge Off Amount, the Close Date and, unbelievably, the whole Payment History! All of these inaccuraces and incomplete reporting are FCRA violations.

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