vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
I have a complaint regarding the loan process for our cash out refi with Loan Depot. The initial loan estimate was inclusive of a XXXX point lender credit, with a locked interest rate. This lender credit was taken away during the pending approval process, outside of the legal time period. 
The appraisal did not come back as high as anticipated, so the loan value was adjusted. We requested a little time ( a week and a half ) to decide if we were going to pursue the loan with Loan Depot. During this time period, my loan officer 's boss ( XXXX XXXX ) contacted my and tried to pressure me into deciding before I was ready, as I was " costing him money since the funds were being held for our loan. " I told him to leave the loan as pending, and I would decide next week ( still well with my locked period and giving ample time for the underwriters to review ). It was them he called my husband, pressuring him to decide for us and essentially taking a condescending tone toward me. 

We did decide to go ahead with the loan. Hours after I told the loan officer, XXXX XXXX, XXXX XXXX closed out our original loan and opened a new loan, revoking the XXXX point, costing us another {$1500.00} in closing costs. When I asked the loan officer, she said she would ask to get that credit back on. It took 4 days to get back, and she said her boss ( XXXX XXXX ), and his boss both said no. I asked as to why, and I was told the LTV ratio changed from 75 % to 80 %. This was not the case, as the initial anticipated value of the house was XXXX to XXXX and the initial loan was for XXXX ( this is not an LTV of 75 % ). When I pressed her on this, she then said there " was no margin, '' but wouldn't explain further. I asked for all of this in writing in an email, but she declined. 

There is no legal, valid reason for the credit to be removed. The lender was outside of the legal time frame to make adjustments ( 3 days ). Our appraisal came back on XX/XX/XXXX. The updated loan estimate ( and removal of the credit ) was sent on XX/XX/XXXX. All of this is documented. We were advised from legal that there is a time period that adjustments to credits and points may be made, and that this was well outside of it. 

This was bait and switch pricing, and it was poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC
State: TX

Complaint narrative:
Direct Recovery Services has within the past two weeks contacted by brother, sister, brother in-laws, mom, ex husband, former employer and an old roommate. After my brother was contacted I called the number given to him and asked for clarification of debt or something in writing. The guy told me I was refusing to pay by asking that and wanted a debit card number for payment. I refused, he also stated to my brother in-law that it sounded like he didn't have a job and he could fill out a loan application. 
This harassment has caused extreme problems in my life and the constant phone calls to my family, ex family, ex employer and ex roommate are beyond extreme. 
I asked the gentleman that answered when I called how he got my brothers information and he said he looked up all of my contacts. My brother in-law was also told that I used him as a reference which I would never do because I can't stand him. They are asking for {$940.00} for a XX/XX/2016 debt that I don't recall having with XXXX. I had a previous loan with the company that was paid in full. These people are extremely rude, aggressive and vague on every conversation they have had.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Checked my XXXX XXXX account and noticed 2 hard inquiries for credit cards I did not apply for. Apparently theyre from XXXX ( XXXX  ) and capital one, I did not apply for these, secondly, this is weird because what if someone out there is using my identity for other things. This matter needs to be investigated immediately!! Because I did not do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 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: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
Recently I obtained a free credit report on my social security number and I discovered on it a fraudulent individual revolving flexible spending card account opened with Barclays bank Delaware on XX/XX/XXXX.High limit on the account is {$4000.00}, balance amount {$16.00}, balance date XX/XX/XXXX, monthly payment of {$8.00}. The account status : Late 30days,  amount due : {$3.00}. There is a comment that stated : '' OPEN ACCOUNT.ACCOUNT 30DAYS PAST DUE. DATE LAST REPORTED DELINQUENCIES : XX/XX/XXXX=R2 LAST PAID:XX/XX/XXXX. I did not open this account and never received a bank statement on this account or from this bank. I am requesting that this account be closed for starter, then investigated and removed from my credit report because I am not responsible for opening or managing this account. Here is my dilemma, I called the bank to complain about this credit reporting as fraudulent but they can not recognize me as a customer and will not listen to me since I do not exist in their database and I don't have an account number they recognize. so how can I ever get this bank to investigate this issue originating from me. I will like the to close this account before further damage is done to my credit.

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 2018-03-02 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: CA

Complaint narrative:
To whom it may concern, I have been trying to resolve this on going issue with the XXXX XXXX XXXX XXXX, Experian, and XXXX since XX/XX/XXXX, to remove a student loan debt that dates back to XX/XX/XXXX from my account. Since they updated my account in XX/XX/XXXX for a very small balance this triggered an update to my 3 credit bureaus as a new activity. This update flagged my accounts in the 3 credit bureaus ( agencies ) as a bad debt that was paid, a derogatory account status, and a previous collection status that was paid. This unfair practice has hurt my credit, disallowed me to purchase a home, and is an ongoing burden. 
This malicious attack is unjust and has prevented me from obtaining a mortgage and getting other types of loans. 

I have been trying to work with them to have it be removed from my files, it nothing has been done. As I attempt to dispute this matter, my credit score goes down further and further as they tag my account as a dispute when the credit bureaus go into the account to update it. I would appreciate it if there is something you can do to help, this is an unfair practice placed on consumers like myself. 

I have attached a letter from the XXXX XXXX XXXX XXXX regarding this matter to help solidify my position. Thank you again for your immediate attention to this matter.

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 2018-03-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX has within the past two weeks contacted by brother, sister, brother in-laws, mom, ex husband, former employer and an old roommate. After my brother was contacted I called the number given to him and asked for clarification of debt or something in writing. The guy told me I was refusing to pay by asking that and wanted a debit card number for payment. I refused, he also stated to my brother in-law that it sounded like he didn't have a job and he could fill out a loan application. 
This harassment has caused extreme problems in my life and the constant phone calls to my family, ex family, ex employer and ex roommate are beyond extreme. 
I asked the gentleman that answered when I called how he got my brothers information and he said he looked up all of my contacts. My brother in-law was also told that I used him as a reference which I would never do because I can't stand him. They are asking for {$940.00} for a XX/XX/2016 debt that I don't recall having with checkngo. I had a previous loan with the company that was paid in full. These people are extremely rude, aggressive and vague on every conversation they have had.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 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: IL

Complaint narrative:
I was not enrolled in XXXX XXXX XXXX ( XXXX XXXX XXXX - only reporting to XXXX and Transunion ) at the time of this accounts reporting nor did I have a balance when I left. It has been disputed, I have asked for validation and removal to no avail. I disputed in XX/XX/XXXX ( responded in XX/XX/XXXX ), XX/XX/XXXX ( responded in XX/XX/XXXX ) and XX/XX/XXXX ( responded in XX/XX/XXXX ) and this account is still reporting. I have also contacted both bureaus multiple times and they continue to report without sending me the information requested in my letters to receive. I have also called on XX/XX/XXXX and XX/XX/XXXX. The dates reflecting that the account was opened are XX/XX/XXXX. The amount is {$1300.00}. I have included the original XX/XX/XXXX dispute as they do not contain my signature. I can provide the credit bureau letters if needed that I wrote out recently for correspondence with them, however, I prefer not to provide anything with my signature to " original creditors '' as to limit fraud. 

Other accounts disputed with the same details and timeframe as above : - XXXX - ( received different information and all inaccurate - all 3 bureaus ) - XXXX XXXX XXXX - {$660.00} ( I have only had ONE account with XXXX and the account was closed and paid in full - this is FRAUD. I have supplied the final bill to both collection and all 3 credit bureaus and they refuse to remove.

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 2018-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i received a sale notice date set for XX/XX/XXXX from peak foreclosure service acting as the trustee for from what i was told Bank of America, but my loan was originated by XXXX XXXX XXXX Loans, i was contacted by XXXX XXXX servicing a sub-servicer working for either Bank of America or XXXX XXXX XXXX XXXX XXXX in which all of these companies claim that XXXX XXXX XXXX XXXX XXXX XXXX XXXX a shell company is the owner of my mortgage i request a QWR back in XXXX of XXXX but never received a reply in the time framed prescribed by law from none of these companies, this loan has been moved from one place to another with no real way of knowing who is the real owner of this loan in order to get answer to question of why my mortgage payment and deed of trust do not have the same interest, payments and terms from the day this loan was recorded, and who i should speak to regarding the decisions of a loan modification from Bank of America or XXXX XXXX XXXX XXXX since the sub-servicer has to get information from these banks, i need names and numbers of representatives from of these banks regarding all information pertaining to the mortgage that they claim to own, also if Bank of America is the decision maker then i need to speak to them directly regarding my loan modification request because i have no clue who the real parties are, interesting enough i found a case just like my that spells out this problem : CLICK ON THE LINK : XXXX : XXXX # XXXX Follow The Mortgage - 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 2018-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX. someone changed my e-mail address and phone number and security questions on my pay pal account that I had opened in XXXX. I started receiving emails at this time about this issue.I called pay pal on XX/XX/XXXX and XX/XX/XXXX as the fraudulent actions continued. Pay pal can not retrieve my account from XXXX, and will not close the fraud account opened on XX/XX/XXXX. They suggested I try to make a police report or retain a lawyer as they COULD not help me in any way.I went to the police station who informed they couldn't help unless charges had been made. I just want both accounts to be completely deleted and closed and pay pal refuses to do so. My checking account and debit card are also connected to my original pay pal account I opened in XXXX. They acknowledge that this is fraudulent activity on my account with them but are doing nothing to help me resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-02 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: OH

Complaint narrative:
I have contacted Experian multiple times via phone and online to have an erroneous public record removed from my credit file. I have also disputed this information with XXXX and they have deleted the unverified public record. I have requested multiple times that Experian supply written proof of this so-called debt/public record that they have received when validating and they have not provided the information requested. I sent a letter to the Bankruptcy court showing on my credit report asking how they verified information to the credit bureaus and recieved response back that this is not true, they do not verify with them. On XXXX, 2018 I spoke with a representative at Experian named XXXX who said he was unable to give me any information other than it was verified through the courts. When I asked how and who verified this and told him I have requested proof of this several times and been denied he offered to transfer me to his supervisor. I then spoke with the supervisor XXXX who refused the name of the person who verified this public record and said they contacted the court house or possibly verified it electronically, XXXX. This dispute was obviously not investigated as it is inaccurate and still reporting which is causing my credit profile to report incorrectly and hindering me from obtaining credit. FCRA commands accuracy, multiple federal court cases on hearsay have explained that the person verifying must be able to testify under oath to its accuracy. In order to testify such accuracy the person verifying would need first hand knowledge otherwise this is considered hearsay. It is against my rights to have someone or an electronic device verify a dept against me when they can not and will not supply proof or documentation that this debt is mine.

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 2018-03-02 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: FL

Complaint narrative:
I have on several occassions contacted transunion, XXXX, and XXXX and have placed a fraud alert on accounts along with sending in my FTC ID REPORT IN REGARDS TO ACCOUNTS WITH XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX AN ONLINE ACCOUNT WHERE AN APPLICATION WAS SUBMITTED IN MY NAME ACCOUNT XXXX ON XXXX, XXXX, AND TRANSUNION. ALSO AN ACCOUNT SHOWING AS A PAID REPO NEEDS TO BE REMOVED FROM TRANSUNION XXXX XXXX ACCOUNT NUMBER XXXX I AM STILL WORKING TO RECOVER MY IDENTITY AND I EXPECT THIS TO BE RESOLVED IN A MANNER OUT OF CIVIL COURT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA 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 2018-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is not my Debt. I sent out a Debt Validation letter via certified mail.

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 2018-03-02 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:
I have on several occassions contacted XXXX, equifax, and XXXX  and have placed a fraud alert on accounts along with sending in my FTC ID REPORT IN REGARDS TO ACCOUNTS WITH XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX AN ONLINE ACCOUNT WHERE AN APPLICATION WAS SUBMITTED IN MY NAME ACCOUNT XXXX ON XXXX, EQUIFAX, AND XXXX. ALSO AN ACCOUNT SHOWING AS A PAID REPO NEEDS TO BE REMOVED FROM XXXX  XXXX XXXX ACCOUNT NUMBER XXXX I AM STILL WORKING TO RECOVER MY IDENTITY AND I EXPECT THIS TO BE RESOLVED IN A MANNER OUT OF CIVIL COURT. 

8 INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have on several occassions contacted XXXX, XXXX, and experian and have placed a fraud alert on accounts along with sending in my FTC ID REPORT IN REGARDS TO ACCOUNTS WITH XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX AN ONLINE ACCOUNT WHERE AN APPLICATION WAS SUBMITTED IN MY NAME ACCOUNT XXXX ON EXPERIAN, XXXX, AND XXXX. ALSO AN ACCOUNT SHOWING AS A PAID REPO NEEDS TO BE REMOVED FROM XXXX XXXX XXXX ACCOUNT NUMBER XXXX I AM STILL WORKING TO RECOVER MY IDENTITY AND I EXPECT THIS TO BE RESOLVED IN A MANNER OUT OF CIVIL COURT. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
id theft happen to my account cra violation inaccurate information with XXXX had issues with accounts that caused all kinds of overdraft that was not my fault

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 2018-03-02 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I was not enrolled in College of XXXX XXXX XXXX XXXX XXXX - only reporting to XXXX and XXXX ) at the time of this accounts reporting nor did I have a balance when I left. It has been disputed, I have asked for validation and removal to no avail. I disputed in XXXX / XXXX ( responded in XX/XX/XXXX XXXX, XXXX / XXXX ( responded in XX/XX/XXXX XXXX and XXXX of XXXX ( responded in XX/XX/XXXX ) and this account is still reporting. I have also contacted both bureaus multiple times and they continue to report without sending me the information requested in my letters to receive. I have also called on XX/XX/XXXX and XX/XX/XXXX. The dates reflecting that the account was opened are XXXX of XXXX. The amount is {$1300.00}. I have included the original XXXX dispute as they do not contain my signature. I can provide the credit bureau letters if needed that I wrote out recently for correspondence with them, however, I prefer not to provide anything with my signature to " original creditors '' as to limit fraud. 

Other accounts disputed with the same details and timeframe as above : - XXXX - ( received different information and all inaccurate - all 3 bureaus ) - XXXX XXXX XXXX - {$660.00} ( I have only had ONE account with XXXX and the account was closed and paid in full - this is FRAUD. I have supplied the final bill to both collection and all XXXX credit bureaus and they refuse to remove.

Company response to consumer: Closed with non-monetary relief