vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My XXXX passed away on XX/XX/XXXX. At the present time I was with Bank of America, XXXX XXXX. Due to BOA and their problems at the time, I was refused many times for a modification. Claiming I was not that of a normal person, I wasn't living in the house which I was. Denial after denial. Failed Then the Mortgage was sold to XXXX XXXX. in XXXX falling behind and having to use my annuity from my husband to keep up with mortgage. When the XXXX took over in XXXX it was noticed by myself that the mortgage was refinanced without my knowing. My XXXX  husband 's Social Security income was used and also my annuity as income. Fraudulenty changing the interest rate from 7.65 %. I asked XXXX XXXX about this many times. I then again tried with XXXX XXXX  for modification and turned down due to have my rate dropped down to 2 % and mortgage never changed in what was payable. Still pay over XXXX per month. 
Then it was changed to XXXX XXXX. I explained many times that I never refinanced the home at it was just changed over to XXXX XXXX XXXX. As I was not on the Note but the Deed and mortgage. Same situation, no one would listen and turned down constantly for a modification. It was fixed so I couldn't modify at 2 %. While all this time was being put in more debt all along. I was forced to sell my home as it was being watched by XXXX XXXX and pictures taken at least once a month. Mortgage was at XXXX a month. In XXXX Principal balance was XXXX. In XXXX I owed BOA XXXX My mortgage went up to XXXX so my questions were never answered by any of the 3 Banks. Here I sit in XXXX dollar mobile home in Florida that is falling apart. All of the mental diress that I had to struggle through because of all this fraud. So therefore, the monies paid were all fraudulent. Denials, I do have much paper work still to show what was happening to me ... XXXX XXXX XXXX XXXX Attorney office was also of no help to me. Went to Attorney General office in XXXX, Ma for help. All programs just slammed me into a wall.

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 2021-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CT

Complaint narrative:
Re : Amerisave Mortgage I applied for a refinance loan on application on XX/XX/2021. 
I was in constant and continual contact with the mortgage company, mostly responding to their multiple requests for information. This was understandable except it was requests for the same information over and over again. 
This back and forth resulted in receiving and responding with over 176 emails. All the while I asked and was assured my original rate was locked and secure, not to be concerned.

Most requests for information during that time were responded to by me within one business day. 
When I was finally approved on XX/XX/2021 I was told my rate lock had expired and I would now have to pay over {$200.00} more with each monthly payment. 
This delay was not any of my fault. 
At this point I am led to believe that this delay was not only unreasonable but intentional. 
I believe I was treated differently because I am a woman and maybe because my last name doesnt sound like everyone else. 
Please give this matter your attention. 
Thank you for your time and advise.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-14 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:
While checking my credit report, I notice an account from XXXX XXXX  that I believe is not being reported correctly on my credit report. On XXXX XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. They finally respond back to me XX/XX/XXXX, see attached, informing me that they will contact me with the result of their investigation once it is completed. It is now XX/XX/XXXX and I have not received their result and they are still reporting negatively on my credit report. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXX XXXX is reporting. So far, I have not gotten a response from them. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I received a notice from the Collection Bureau of the Hudson Valley , INC. to creditor XXXX  # XXXX, CBHV # XXXX dated XX/XX/XXXX, for a baance due {$180.00}. I immediately called XXXX XXXX that this case was closed by XXXX XXXX XXXX XXXX XXXX. on XX/XX/XXXX, his reply was that they do not deal wth other Credit Companies and I have 30 days to dispute the validity of this debt. ) On XX/XX/XXXX, I mailed a disute letter with CFPB Case # XXXX, XXXX  Case # XXXX and a letter from XXXX XXXX that the case is closed. I have not spoken to or received a reply to my dispute. Please see attached ( 4 docoments. ) Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: OH

Complaint narrative:
This account is erroneously listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These accounts are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 45 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 45 days, so they should be erased 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 explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mountain Run Solutions, LLC
State: TX

Complaint narrative:
There is an outstanding balance of {$1800.00} from XXXX listed on my credit repiort and has been affecting my credit negitavely for years now. I have never had any knowleage of ever dealing with or doing business with this company for any services/products they provide. I have never given any permission for my information to be used at ankytime for anything habing to do with an account like this. I have contacted this company and the credit bureaus for years about this as well as the collection companies and no one can help me with this. I just read about a case where XXXX is paying {$20.00} plus XXXX dollars to people for wrongful use of credit etc. I do not know if this is what has happened to me but this account does not belong to me and never has. I have sent documentation trying to prove in every way that this does not belong to me. I am getting negative responses regarding my credit status due to this account and it is not acceptable to me. Please point me in the right direction to someone who can assist me. 
Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer Paid off : 0 % Balance on XX/XX/XXXX Original balance {$1800.00} {$1800.00} Payment Info Original balance {$1800.00} Balance {$1800.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments - Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate i XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: PA

Complaint narrative:
This account was open fraudulent on XX/XX/XXXX. The original creditor name is XXXX XXXX XXXX. XXXX  XXXX XXXX  then sold this account to XXXX XXXX XXXX XXXX. 

The Address on this Contract is XXXX XXXX XXXX XXXX PA XXXX. 
In XXXX I was not living at the above address. 

At the time of this contract I lived at XXXX XXXX XXXX XXXX, PA XXXX. 

PLEASE NOTE : Attached is a Signed copy of my lease from XX/XX/XXXX - XXXX this is an official document. 

You are violating my right and causing harmed to my credit! 

First, failed to verify the identity once the application was approved. 

CFPB PLEASE HELP ME XXXX XXXX HAS QUESTIONABLE BUSINESS PRACTICE. 

ATTACHED IS COPIES OF MY LEASE STATED I NEVER LIVED AT THE ADDRESS THAT WAS PROVIDED WHEN THIS CONTRACT STARTED. 

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been verified then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against Equifax for violation of the Fair Credit Reporting Act and Defamation. 

I REQUEST THAT THIS ACCOUNT IS REMOVED FROM ALL CREDIT REPORTING AGENCY ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Disputes and letters have been sent to the creditor CBNA, Sears, Macy 's and XXXX  XXXX  since XXXX of 2020 until XXXX XXXX a a police report has been provided to creditors and credit bureaus.

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 2021-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Innovative Funding Services, L.L.C.
State: CA

Complaint narrative:
I applied for a car long via XXXX XXXX. XXXX XXXX, on behalf of Trsel, forwarded a loan for the full amount that I was asking saying I was approved. When I went to their site to finalize the loan, the ran my credit and approved me for {$5000.00}. I feel if they were going to approve me for {$5000.00} they should have never lied and said I was accepted for my auto loan of {$36000.00}. I tried to resolve this with Rersl directly and they claimed that lending tree was not their company. I let them know I never claimed that to be the case but they did get all my information from lending tree so they should not have taken that information if they were not associated with lending tree at all. I just feel they lied. The offered me exactly what I wanted and then when I went to collect that, they switched it to a much lower number that was only a fraction of the original amount. To me it is a classic bait and switch.

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 2021-06-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
Specialized Loan Services sent a letter back in XX/XX/XXXX about a modification. Which I already did one with the previous mortgage co. back around XXXX '. Called them on XX/XX/XXXX spoke with a customer service rep. and she hung up. I called back and got another rep. which the male answered then hung up. I then called on XX/XX/XXXX an spoke with a male rep. explained didn't owe no {$18000.00}. that would be about 2 years of back payments. Which I only been with Specialized Loan Services for about 2 - 2 1/2 years. 
Also, stated why were my payments not posted correctly. Which would go done as credit then as a negative showing no payment received. The male rep. stated was posted to account and that now balance was down to {$15000.00}. past due. In which I stated again was incorrect balance past due. Plus, I also stated that had already did a modification with previous mortgage company. Then the male rep. advised that I wouldn't be able to apply for a modification, due to lack of being on unemployment. I know that Specialized Loan Services ( SLS ) has only been in business since about XXXX '. Also, they have had Class Action Lawsuits against them in other states.

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 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I HAD A IDENTITY THEFT ON MY CREDIT REPORT IN 2020 AND I FILE A IDENTITY THEFT REPORT, I SEND EXPERIAN ALL INFORMATION ON MY IDENTITY THEFT REPORT THAT WAS FILE AND ASK THEM TO INVESTIGATE ALL INQUIRIES ON MY ACCOUNT AND THEY HAD SOMEONE CALL ME FROM THERE FRAUD DEPARTMENT TO SAY ITS NOT FRAUD RELATED. SOMEONE FROM FLORIDA STOLE MY INFORMATION AND OPEN A CABLE ACCOUNT IN MY NAME WITHOUT MY PERMISSION AND THERE ARE INQUIRIES ON MY CREDIT FILE THAT I DID NOT RECOGNIZE. 
EXPERIAN REFUSE TO INVESTIGATE ALL INQUIRIES ON MY CREDIT FILE AND THEY ALSO REFUSE TO OFFER ME FREE CREDIT MONITORING SERVICE.

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 2021-06-14 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: NOVAD Management Consulting, LLC
State: FL

Complaint narrative:
I believe in XXXX, I applied for a reverse mortgage on my home that I've lived in for nearly 45 years. My husband had passed and I wanted to make several repairs to the home. I became gravely ill and my daughter packed me up and relocated me to XXXX. While in XXXX, I spoke to representatives from NOVAD Consulting in XXXX about my illness and relocation and could not continue to live in the home. They stated I had to pay the property taxes and that was all the fees. My neighbors called to let me know that a sign was placed in the window, grass was high in the front and back, and a lock was on the front door. I had someone cut the grass immediately. I want to rent out the property but NOVAD sent an invoice stating the loan had been tabulating since I left the property in XXXX ( relocation ). I explained that the loan is no way near the property value for the homes in that neighborhood and couldn't afford the price which was 3 times the amount of the property value. They gave me an option to either purchase the home or use the deed in lieu ( DIL ) of foreclosure to HUD. A letter of intent was sent to NOVAD on XX/XX/XXXX and 25 days letter when asking if received, an email was returned no valid. What can I do now to rent out the property, save the family home, or have HUD payoff the loan and take title?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: MO

Complaint narrative:
Why is it that these credit reporting agencies or continuing to mis report these unauthorized accounts on my credit report, I have previously reported that my identity was compromised and the result is these unauthorized fraudulent accounts that I'm demanding be removed from my credit files immediately. 

1. XXXX  XXXX XXXX {$180.00} 2. XXXX XXXX {$240.00} 3. XXXX, XXXX {$570.00} 4. XXXX, XXXX {$810.00} 5. XXXX, XXXX {$170.00}

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 2021-06-14 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: NJ

Complaint narrative:
I have been trying to get these accounts thats showing on my credit that are mine. I have reached out the all I know to try and get this fixed. My coworker told me I need to speak with an attorney and he told me to reach out here. Even as of recently another Bankruptcy came on my credit. At first it only showed on XXXX  and a couple of days ago credit XXXX told me that a bankruptcy came on Transunion now in addition to XXXX. It is not on XXXX. The other accounts that are not mine are XXXX, XXXX XXXX XXXX, XXXX, US DEPT OF ED, XXXX. There were also some inquiries that are not mine XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. I'm doing this on my own.

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 2021-06-14 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: NJ

Complaint narrative:
I have been trying to get these accounts thats showing on my credit that are mine. I have reached out the all I know to try and get this fixed. My coworker told me I need to speak with an attorney and he told me to reach out here. Even as of recently another Bankruptcy came on my credit. At first it only showed on XXXX  and a couple of days ago credit XXXX told me that a bankruptcy came on XXXX  now in addition to XXXX. It is not on Equifax. The other accounts that are not mine are XXXX, XXXX XXXX XXXX, XXXX, US DEPT OF ED, XXXX. There were also some inquiries that are not mine XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. I'm doing this on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
I've reached out to this company several times in order to receive verified proof that this is my debt, that this company is legal obligated to collect on this debt etc. The company has failed to respond in the 30 day time span they are allotted on many occasions. I've been reaching out to NCA for their violations of the FDCPA. This account has been re-aged and placed back onto to of credit reports. This account is also passed the statute of limitations for collecting a debt in the state of Alabama.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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:
I called Experian and spoke with a representative explaining that there are several fradugelent inquiries and an account from XXXX listed on my credit report. I have explained that I did not ask for these things or applied for anything with my personal information. They instructed that I send in an Identity Theft Report and my ID which I have in the past but they keep saying that they didn't get it. I am attaching the information to this complaint.

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 2021-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Fleet Financial, Inc.
State: OK

Complaint narrative:
I signed up with ilending direct to refinance my car for {$13000.00} and was told that I qualify for a loan with a better interest rate. I called them and was told that they could not even pull my credit due to the type of work that I am in. I XXXX XXXX and I have never missed a payment on anything. Denying to even pull my credit is discriminating against me.

Company response to consumer: Closed with explanation