vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-21 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: MS

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 2020-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been in the process of trying to refinance a loan with Citi Bank Mortgages since XX/XX/2020. This process has been terrible, I have provided all of the required documentation timely to my citi bank loan officer, but CITI bank is in adequately staffed to handle the business. So instead they miss lead their customers with false time line for closing, just to continuously extend them to another unachievable estimated closing date. I have had my closing date extend at least 6 times to date. My new estimated closing date is XX/XX/XXXX XXXX.. 6 plus months fro when this ordeal started, but I have ZERO faith in the timeline. I have reach out to the sales manager at citi, I filed a complaint at Citi, I have also tried to contact the head of the Citi mortgages sales business. They all have said the same story, " there is nothing we can do : '' This is unacceptable, considering there that my original time frame for closing was 90 days. This needs to stop as I am sure there are thousands of other CITI bank clients trying to refinance and being told the same story..

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 2020-09-21 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: GA

Complaint narrative:
Equifax has not removed the fraudulent inquiries on my credit report there are 21 inquiries on my report I have filed numerous complaints I want these removed before I file a FTC identity theft report against Equifax, and Equifax has exposed my information in a data breach and their failing or correct there misuse of my information, these inquiries are fraud and I and them removed, my information was used illegally and want this resolved and these inquiries removed, please remove also a days XXXX from report I do not work for days XXXX, but these inquiries are fraud and Im disputing these inquiries as fraud I did not check my credit .Equifax damaged my credit by exposing my information in the data breach they had, so please have Equifax correct this or Im filing like I said a FTC identity theft report against Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: TN

Complaint narrative:
I called American Credit Acceptance and spoke with a female customer service representative about my late payments. I have lost half my income due to COVID, and they offer no assistance. I made payments that were taken out of my checking account XXXX ending. I was told I would be caught up and just need to make XX/XX/XXXX payment on XX/XX/XXXX. I deferred a payment to the end of the loan and made a payment to bring me current. I just received a letter saying that XX/XX/XXXX and that if I do not pay {$990.00} by XX/XX/XXXX they would take action to repossess my vehicle! These numbers do not add up!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
On XXXX XXXX I paid my loan in full and received document that the account was " PAID IN FULL " from NC FINANCIAL Solution on XX/XX/2019. Upon checking my credit report they reported me 30 days late on this specific account for XX/XX/2019. 

I follow-up with NC FINANCIAL Solution and XXXX XXXX to try and resolve account amicably and they do not want to resolve this 30 day late when I have provided them documented proof they actually issue for final payment.

NC FINANCIAL SOLUTION replied as reported late although I have paid the loan in full.

It appears that these consumer disputes only go one way from DATA FURNISHER to Consumer reporting Agency. THE CONSUMER HAS NO RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I have a mortgage with NewRez since XXXX. Mortgage Insurance ( MI ) on my loan was supposed to be discontinued about 2 years ago. I have contacted the company many times ( by phone and email ) and received a letter in XX/XX/XXXX stating my loan has been approved for FHA MI cancellation, with FHA MI paid in arrears. 
I have since contacted the company again for follow-up on removing the MI from my monthly payments and for refund of arrears, but I have been unsuccessful. Anytime I call, I am being redirected to an insurance number that is unable to answer my questions. 
Lately, I received a letter stating my request has been submitted to the owner of the loan. 
The whole process has been very confusing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: MT

Complaint narrative:
I tried to refinance through my existing mortgage company, Freedom Mortgage. I had a closing disclosure issued to me on XX/XX/20 with closing costs at {$5600.00}. At my closing date, XX/XX/20 my paperwork showed up with closing costs at {$7700.00}. I received no notice prior to closing that my closing costs had went up {$2000.00} ( a 36 % increase ). I contacted my loan advisor, XXXX, while the signing agent was still present at my house. I had to leave a message for XXXX. That day I called Freedom Mortgage three more times trying to get ahold of XXXX or a manager that could help me, but was only passed around to different employees. It was discovered that the VA funding fee was not included in my closing costs and it should have been. The next day, XX/XX/20, I finally got to leave a message for a manager, XXXX, at around XXXX XXXX.. I received a phone call back from XXXX at around XXXX XXXX.. He said the increase was due to the VA funding fee, but said that he would look into it and get back to me tomorrow. I impressed upon him the importance of time, because I had only three days from closing ( XX/XX/20 at midnight ) to decide if I was going to cancel my refinance. Now XX/XX/20, I heard from XXXX in the afternoon around XXXX XXXX.. XXXX XXXX that there was not going to be a VA funding fee, but that he was working on the closing disclosure with the closing department and to not sign the " Right to Cancel '' form. I specifically told him that I would need the disclosure sent to me first thing in the morning, as I had to work and that day and it was the last day I would be able to cancel my refinance if the  figures were not satisfactory. XXXX also stated that the numbers would not be the same as my original disclosure statement, but was unable to tell me exactly what the numbers would be. I tried calling him later that day only to leave a message stating the numbers needed to be the same, this was not an opportunity for Freedom Mortgage to invent other fees to add to my closing disclosure. On XX/XX/20, I had no paperwork for my closing disclosure. XXXX called me in the afternoon, and still no closing disclosure. I informed XXXX that I needed that paperwork earlier today and they had three days to get me a new closing disclosure, which was still not available!!! I canceled my refinance as well as let him know that what occurred was unethical and illegal. Mortgage companies have to give you three days notice before closing if the closing disclosure amount changes and it should not vary more than 10 percent.

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 2020-09-21 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: CREDIT WORLD SERVICES, INC.
State: MI

Complaint narrative:
Credit World Services, INC Balance {$5800.00} opened XX/XX/2019 I do not recognize doing any contract or business, please verify this debt,.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: CA

Complaint narrative:
On XXXX XXXX I paid my loan in full and received document that the account was " PAID IN FULL " from XXXX  XXXX XX/XX/XXXX on XX/XX/2019. Upon checking my credit report they reported me 30 days late on this specific account for XX/XX/2019. 

I follow-up with XXXX XXXXXX/XX/XXXX and Trans Union to try and resolve account amicably and they do not want to resolve this 30 day late when I have provided them documented proof they actually issue for final payment. 

XXXX  XXXX XXXX replied as reported late although I have paid the loan in full. 

It appears that these consumer disputes only go one way from DATA FURNISHER to Consumer reporting Agency. THE CONSUMER HAS NO RIGHTS.

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 2020-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
This is a followup to my COMPLAINT # XXXX ( BOTH CREDIT CARD ACCOUNT NUMBERS ENDING IN XXXX and XXXX ). In the previous complaint, I detailed my reasons for late-payments and Chase still refused to re-instate my credit cards. So now I am giving this another try due to the hardship on my business, me, and my family caused by Covid-19.

In the original complaint, I was then told that the system/computers makes the decision and there is nothing they can do and then I asked to speak to a human, a supervisor, who could make a decision after hearing all of the facts ; the supervisor gets on the phone and basically says the same thing about the system and management is free to do whatever they want with the account and the
decision is final. I also offered to make a payment if they reopened at least one of the accounts and they refused. These were life-changing events and I was not able to handle these issues while helping my daughter and then covid-19 has made things worse for me as a 100 % XXXX XXXX.

After 40 yrs in XXXX, we are the only XXXX XXXX XXXX in the US ; Covid-19 almost forced us out of XXXX ; fortunately, we now XXXX XXXX XXXX XXXX for a large Georgia hospital. To maintain traction/expand we need $  XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( we have approx. XXXX XXXX ). We are located in a XXXX & XXXX XXXX. 
Due to other hardships ( XXXX XXXX fraud & a daughter who recently became XXXX XXXX ), Chase canceled my XXXX credit cards due to late payments ; I have tried everything to get them reinstated including filing Consumer Fin'l Protection Bureau complaints ; Chase refused to reinstate them because the excuses were not good enough. 

Chase Card Services was very rude and insensitive especially telling me that they can close my accounts for any reason and/or at anytime. My problem with this is first they did not know all of the facts and second, they may have closed the account for the wrong reason. So now I am asking to have my case reconsidered so that at least one of  my credit cards ( preferably Amazon ) or both can be reinstated because I need them for XXXX to help me continue to build traction towards XXXX XXXX for one of the largest hospitals in Georgia. 

As a XXXX-owned XXXX it is hard enough to get affordable working capital and to not have credit card privileges is devastating especially considering I have legitimate reasons for why I could not make payments on time. We are saving lives with our 100 % made in the USA XXXX XXXX. 

Please reconsider my request to reinstate my credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: MI

Complaint narrative:
XXXX XXXX XXXX, XXXX Balance {$5800.00} opened XX/XX/2019 I do not recognize doing any contract or business, please verify this debt,.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: MI

Complaint narrative:
XXXX XXXX XXXX, XXXX Balance {$5800.00} opened XX/XX/2019 I do not recognize doing any contract or business, please verify this debt,.

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 2020-09-21 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: CA

Complaint narrative:
Ive been a victim of identity theft and I Have fraudelent accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: CA

Complaint narrative:
Ive been a victim of identity theft and I Have fraudelent accounts on 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 2020-09-21 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: CA

Complaint narrative:
Ive been a victim of identity theft and I Have fraudelent accounts on 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 2020-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INVESTORS BANK
State: NJ

Complaint narrative:
This complaint is in relation to the loan process for my residential condominium mortgage with Investors Bank. I embarked the mortgage journey with Investors Bank at the end of XX/XX/2020. I received the approval letter nearly 3 months later, on XX/XX/2020. 

Investors Bank attributed the failure to deliver timely underwriting to the bank 's lack of operational capacity. The Bank 's operational limitation did not hinder it from making sales pitches that promised me, its customer. As a result of the delay, we, the customer, are bearing financial costs including lease extension and duplicated moving costs. Investors Bank should lack of accountability for its failure to provide promised service. 

Certain incidences that caused the significant delay include : 1. While the process formally kicked-off beginning of XX/XX/2020, the file was not reviewed by Mr. XXXX and team until XX/XX/2020. 
2. While we submitted Home Insurance to Investors Bank at the beginning of XX/XX/2020, Investors Bank failed to incorporate it into our package. Resulting in a delay. 
3. Investors Bank sent the Condominium Questionnaire to the wrong Association. Consequently, Mr. XXXX erroneously told us our condominium is unwarranted. I had to personally review the questionnaire to advise him of his mistake. Resulting in considerable delay. 
4. Investors Bank appraised the property twice, resulting in a duplicated charge. My fianc and I subsequently discovered this error. 
5. Investors Bank requested the building manager for Master Deed, bylaws and followed-up today ( XX/XX/XXXX ). However, the building manager confirmed she already submitted the documents on XX/XX/2020.  Resulting in further delay. 

I escalated this matter to Mrs. XXXX XXXX on XX/XX/2020. It is unclear why the loan continues to be delayed. When I questioned Investors Bank around its lack of accountability, one of its SVP proceeded to insult my integrity. I am questioning if it is the banks capacity issue resulting in deterioration in service quality, or the delay demonstrated ethnic discrimination against XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding, LLC is pursuing to collect an unsubstantiated debt. They have failed to confirm the origin of the debt, and have continued to report on my personal credit report. 

Listed on this personal credit report is an initial date of XXXX, which is far beyond the allowed time to pursue a debt in the state of California ( see below ).

California has a statute of limitations of four years for all debts except those made with oral contracts. For oral contracts, the statute of limitations is two years. This means that for unsecured common debts like credit card debt, lenders can not attempt to collect debts that are more than four years past due. 

Not only has LVNV Funding failed to provide proof this debt is even valid, they have continued to report inaccurate information to XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: HI

Complaint narrative:
There was no category for coercing payment. I was trying to buy a home, I was pre approved. When trying to finish my application after my offer was accepted, a collection reported on my account. I was told it must be paid and cleared for my mortgage to go through. I called TransWorld Systems Inc. to verify the debt so I could pay it later as I was buying a home. The agent then pressured me to pay that day under the promise of removing it from my report so I could then go forward with my mortgage. I was promised total account deletion by TransWorld Systems , INC for full one time payment within 90 days of collection being opened. I did not get anything in writing, not the debt or the promise to delete for payment. I Contacted the company Several times to remind them to remove it from my credit as I was trying to buy a house. I was then told that unless I have an email or letter, they will not remove anything. I contacted the original creditor and they told me they had expedited the account for deletion by their collection representative because I did pay immediately in full. It has been 2 months and its still ruining my credit and I lost my ability to buy a home. I only paid that day ( XX/XX/2020 ) without proof because the company promised to delete the collection and I needed it gone to buy a house. I was coerced to pay an unverified debt because they knew how impactful their collection would be in my ability to obtain financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: NY

Complaint narrative:
I am a victim of identity theft

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 2020-09-21 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: GA

Complaint narrative:
My identity has been compromised and the aftermath has effected my credit file unjustly and tremendously. I've requested a Method of Verification from the 3 major credit reporting agencies but never received anything. However, these accounts do not belong to me. Please block and remove. 

1. XXXX {$1000.00} 2. XXXX XXXX {$300.00} 3. XXXX XXXX   {$320.00} 4. XXXX XXXX {$300.00} 5.  XXXX {$500.00} 6. XXXX {$500.00} 7. XXXX {$790.00} 8. XXXX XXXX   {$790.00} 9. XXXX XXXX {$470.00} 10.  XXXX XXXX {$60.00} 11. XXXX XXXX   {$790.00} 12. XXXX XXXX {$310.00} 13. XXXX XXXX {$730.00} 14. XXXX XXXX {$160.00} 15. XXXX XXXX {$110.00}

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