vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA")
State: FL

Complaint narrative:
I was told when I signed my home purchase contract XX/XX/XXXX that I would close mid XX/XX/XXXX. My mortgage is through XXXX XXXX XXXX facilitated by NACA. Mid XXXX NACA Loan officer advised I needed to get my Home Owners and Flood insurance to close XX/XX/XXXX. I got the insurance through XXXX. Closing was moved to an estimated around end of XXXX, in the meantime I had a XXXX XXXX and received XXXX payment this past month. NACA loan officer now states I no longer qualify to close because of my long term XXXX payments. Despite for the last two years of going through this process I have done everything asked. I submitted an employment verification letter showing I am still a fulltime employee and my yearly salary. I have been discriminated against and because I had a XXXX XXXX medically certified and receiving XXXX payments in violation of ADA and FHA. 

Fair Housing Act The Fair Housing Act, 42 U.S.C. 3601 et seq., prohibits discrimination by direct providers of housing, such as landlords and real estate companies as well as other entities, such as municipalities, banks or other lending institutions and homeowners insurance companies whose discriminatory practices make housing unavailable to persons because of : race or color religion sex national origin familial status, or disability. 
In cases involving discrimination in mortgage loans or home improvement loans, the Department may file suit under both the Fair Housing Act and the Equal Credit Opportunity Act. The Department brings cases where there is evidence of a pattern or practice of discrimination or where a denial of rights to a group of persons raises an issue of general public importance. Where force or threat of force is used to deny or interfere with fair housing rights, the Department of Justice may institute criminal proceedings. The Fair Housing Act also provides procedures for handling individual complaints of discrimination. Individuals who believe that they have been victims of an illegal housing practice, may file a complaint with the Department of Housing and Urban Development [ HUD ] or file their own lawsuit in federal or state court. The Department of Justice brings suits on behalf of individuals based on referrals from HUD

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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:
on XXXX XXXX XXXXXXXX XXXX XXXX add a derogatory mark on my credit report per credit XXXX  and XXXX. Upon my further research, this account was transferred/ sold from one account to XXXXXXXX XXXX XXXX and i as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX did not verify my debt validation, and which shows XXXX XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate on a new car. A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

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 2023-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Beginning on XX/XX/2023 Ive been receiving a series of emails related to online banking applications being submitted in my name at Bank of America and those applications being accepted. Each time Ive received these emails, Ive contacted Bank of America to alert them that I did not open these accounts and I do not have and do not intend to open any Bank of America accounts in the future. Each time Ive been assured that the accounts have been suspended and my profile has been flagged so that additional accounts can not be opened. Nevertheless, I have continued to receive these emails and additional accounts have been opened. I have put fraud alerts in with all of the major credit unions but this has not prevented Bank of America from accepting all of these fraudulent applications in my name.

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 2023-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I was charged a lot of fees and I would like to have them all refunded.

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 2023-04-03 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: NC

Complaint narrative:
Account type : AAA Cashback Visa Signature account by U.S. Bank NA. I did not apply for this credit card. My Identity was stole. The letter from the company is dated XX/XX/. I searched for this company on internet and couldnt find address for the company. Ph # on letter is XXXX. Called and phone just rang. If you need copy of letter please let me know?

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 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LAKEVIEW LOAN SERVICING, LLC
State: MA

Complaint narrative:
At first They claim that I was late on my mortgage payments for over a year and half. after multiple contact and request I was finally able to locate and find the right institution to talk to and they failed to informed me of my misapplied payments. Moreover, they advived me that will take care of it right away. Now 45 days later they still haven ' done anything, and they refused to provide us with the proper document showing all my payment and not late payment for me to show my creditors. With that in mind I'missing out a lot of invesment opportunities.

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 2023-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Bankruptcy XXXX XXXX RE : XXXX has violated my rights 15 9.5.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Finance System of Green Bay, Inc.
State: WI

Complaint narrative:
Sent me a letter claiming I owe XXXX to XXXX XXXX XXXX. Does not include any other information in the letter besides name and address of debt collector. Letter recieved XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I lost my home in XXXX due to not being able to get a loan modification through wells fargo. I tried in XXXX - XXXX - XXXX and this is my 2nd time filing a complaint with the CFPB. After over 2 months of waiting for my issue to be reviewed and resolved they tell me that they reached out to me with no further contact and closed the case. They gave me no information to say why a follow up letter was not sent on any of the 3 times I filed for loan modification. I would send the requested info and I would call them asking for updates only to be told they lost it or were missing a page or two. I have emails and paper work from law offices and my realtor at the time showing where they sent info for loan modification. I talked to wells Fargo rep XXXX XXXX who advised me no additional info needed to be sent and then she says they tried to contact me all 3 times I tried for a loan modification but they provided no proof showing this. They haven't tried to help in any way and still continue to lie about assisting me. their common response is always deny they received anything and to delay the process and this has being going on for years. I have attached emails and fax confirmation s from my realtor XXXX XXXX in XXXX and the law firm I worked with in XXXX. I am also contacting them for all records concerning wells Fargo in my case. XXXX XXXX of XXXX XXXX in XXXX Tx # XXXX XXXX and XXXX XXXX was XXXX realtor 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 2023-04-03 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: TX

Complaint narrative:
The collection account XXXX ( XXXX XXXX XXXX XXXX ) XXXX should not be on my credit report. I sent a letter to the collection agency in XXXX of 2020 and they have yet to validate this account. I also notified XXXX and Equifax that they are reporting inaccurate information, but this too fell on deaf ears that is why I am now requesting for the removal of this account per the cfpb. There have been many FCRA and fdcpa violations and I can seek monetary damages if this account is not removed. This account was never verified therefore you can not continue to report this information. It has been over 7 months and the company has failed to provide proof that they own this account and they have failed. This balance is also not the same as what the original creditor is reporting. The letter that was mailed to the company is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Fraudulent Accounts appearing on credit repair. 


1. XXXX XXXX {$1000.00} 2. XXXX XXXX {$2200.00} 3. XXXX XXXX {$16000.00}

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 non-monetary relief
Consumer complaint received 2023-04-03 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: PA

Complaint narrative:
Fraudulent accounts appearing on credit report. 

1. XXXX XXXX 2. XXXX XXXX 3. 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 2023-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
PAID IN FULL -- -- in response to letter sent XX/XX/XXXX XXXX LVNV FUNDING LLC/Resurgent capital services XXXX XXXX is REPORTING INNACURATE and fraudulent information and not validated INORMATION and continues to since Before XX/XX/XXXX, to Present, the balance is incorrect on A LVNV FUNDING LLC/Resurgent capital services XXXX collections account # XXXX ( closed / XXXX Or XXXX closed and paid even with the ACCOUNTS and TRADELINES ARE CLOSED AND OR PAID IN FULL. XXXX is reporting Inaccurate and fraudulent information as these accounts has been and is closed since XXXX and is PAID IN FULL. balances and all information are inaccurate as they are not factual Reporting LVNV FUNDING LLC/Resurgent capital services XXXX and all companies are negligent compliance by reporting this information as accurate when in fact, they are not XXXX XXXX has reported over several times as accurate when clearly, they are not. LVNV FUNDING LLC/Resurgent capital services and XXXX are violating My consumer rights and FCRA laws . LVNV FUNDING LLC/Resurgent capital services is I believe retaliating with unethical practices by providing intentionally inaccurate information as Resurgent capital services LVNV violated federal and state laws by garnishing funds that were exempt and continues to report inaccurate data to XXXX. This is one of several accounts of false information and reporting inaccurate information and Credit data. FUNDS were RECEIVED XX/XX/XXXX Filings Title : LVNV FUNDING VS XXXX XXXX Case : XXXX XXXX XXXX XXXX XXXX Any LVNV FUNDING LLC accounts and data must be DELETED from XXXX and XXXX due to violations of the FCRA and LVNV Funding LLC Be fined {$1000.00} to {$10000.00} per FCRA Violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: NY

Complaint narrative:
I have sent this company multiple dispute, letters with proof of XXXX XXXX, requesting for the removal of a repossession remark on my credit report that started from XX/XX/2015. My dispute have been ignored multiple occasions I have proof and this repossession thats over seven years on my credit report is truly affecting my life and even with proof, my disputes are being ignored. I have been denied multiple times for vehicles because they say that the repossession is on my credit report, which is a violation because its over seven years from the time the repossession was on my credit, I will be attaching the letter from XXXX XXXX because after I made a complaint with them the cfpb they sent a letter requesting for the removal of the repossession on my credit report, and it is still there. I need this removed immediately as my rights are being violated. I will be attaching the proofs of the letters I sent and also a letter from XXXX XXXX that they submit it directly to the CFPB website in response to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST GUARANTY MORTGAGE CORP
State: MD

Complaint narrative:
I applied for a loan assumption. My girlfriend XXXX offered to take over my loan. XXXX ran her credit. XXXX lost mitigation department then told us that we needed to send in {$900.00} for the assumption application fee. Two weeks later were calling XXXX trying to get an update. When speaking with the representative at XXXX were told that the {$900.00} application fee was being mailed back due not getting the amount of whats due. That afternoon past due amount was sent to XXXX but we still had to wait for the fee to mailed to me in prefer to be mailed back. When the check arrived to my home it wasnt even the actual check that I originally sent. It was a copy of the check. When I received the check three weeks later I immediately sent it back to XXXX. Less than two weeks later Im being told that the loan assumption was denied. The loan was denied during the process. And the only reason given was that XXXX no longer had vendor.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-03 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: TX

Complaint narrative:
I have 5 closed accounts with XXXX balance and they are still on my credit report Capital One/ Kohls/ capital one/ XXXX XXXX/ and XXXX credit card that is reporting on all the threes credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: LAKE MICHIGAN CREDIT UNION
State: FL

Complaint narrative:
XXXX XXXX & XXXX XXXX ( estimator ) scammed or defraud e. They sent me a contract to perform a bath remodel. I paid a {$1100.00} deposit which was half of the job cost and then disappeared with my money. I contacted the fraud department at the bank but they refused to trace the check # XXXX or charge it back to the bank account it was deposited to. The only information I have on the company and estimator is Phone Number : XXXX Florida XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Filing Information Document Number : XXXX FEI/EIN Number : XXXX Principal Address & Mailing Address Registered Agent Name & Address XXXX, XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX FL XXXX Authorized Person ( s ) Detail Name & Address Title MGR : XXXX, XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX FL 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 2023-04-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: KP ASSET CONSULTING LLC
State: CA

Complaint narrative:
XX/XX/2023 spoke with KP asset consulting for a claim from XXXX XXXX, the representative claimed to be a federal agent. Also on this date and many others KP asset consulting has called and harassed my sister, mother and neighbors, from their location specialist who goes by XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 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 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese 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 Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation