vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This false reporting has caused me severe financial injury, defamation of character and mountains of stress. I can't get a new job. I can't apply for credit. My wife and I can't buy a new home. I'm crippled and reduced to low level apartments. I feel systematically oppressed. I also was denied an EIDL grant & SBA loan. Please help me fix this credit crisis.

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 2021-12-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This false reporting has caused me severe financial injury, defamation of character and mountains of stress. I can't get a new job. I can't apply for credit. My wife and I can't buy a new home. I'm XXXX  and reduced to low level apartments. I feel systematically oppressed. I also was denied an EIDL grant & SBA loan. Please help me fix this credit crisis.

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 2021-12-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Lennar Financial Services, LLC
State: VA

Complaint narrative:
I was supposed to close on my home through Lennar Mortgage. The VA appraisal document was not provided in time. The lender explained that they submitted their request timely and made multiple attempts to contact the responsible party. As a result I am unable to close on my VA loan. This is my second official complaint dealing with Lennar. The closing manager called me and said that my paperwork was completeagain why would I not feel like this is an act of reprisal due to my initial complaint with Lennar. I would like a full report of all correspondence and documentation concerning my VA loan and communication with the Seller.

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 2021-12-29 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:
THANSUNION XXXX AND XXXX HAVE BEEN REPORING ACCONTS TO MY CERDIT FILE THAT ARE FRAUDANT ACCOUNTS DUE TO MY IDENITY BEING SOLEN WHICH I HAVE POLICE REPORTS TO PROVE MY CASE BUT NOTHING HAS BEEN REMOVED FROM MY CREDIT FILE EVEN AFTER I SENT IN MY POLICE REPORT AND DISPUTES THE ACCOUNTS ARE AS FOLLOW XXXX XXXX BANK BALANCE OF {$520.00} XXXX XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX {$450.00} XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} NOTHING HAS BEEN DONE AND IVE REACHED OUT TO EACH COMPANY AND STILL NOTHING DONE

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 2021-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
I started to refinance in XXXX from Mr Cooper former Nationstar and I singed disclosure on XX/XX/XXXX provided documents requested. Loan officer XXXX XXXX said I was approved on XX/XX/XXXX. Then processor XXXX XXXX took over and started to request the bank statements, mortgage statements and insurance declaration and HOA statements all over again and I provided them again. Then she requested many other items one by one without end. I sent numerous emails and made phone calls and she never responded. 

So I complained to XXXX her supervisor and requested to provide list of items she needs all at once. She still did not do that. I continued to provide what she requested for 2 months and she often required what I provided again. XXXX XXXX said if I pay off my credit debt, XXXX will set up closing on XX/XX/XXXX. I did and sent receipt. Then XXXX came up with another issue of XXXX XXXX XXXX which I never did. I explained. Then she said my Brilliant Business License is delinquent and I renewed. After I provided everything they requested and it was Mr Cooper which took time, they denied my loan saying my credit was not good. My mid credit score is XXXX. 

Then I told them I would report to CFPB and FTC if they do not close the loan. Then XXXX XXXX sent email and said they would reinstate if I provide XXXX statements for my two properties. XXXX XXXX XXXX XXXX XXXX WA and XXXX XXXX XXXX XXXX WA properties. I still do not know why they requested XXXX statements again although I already provided XXXX and XXXX statements. I provided XXXX statement in XXXX and provided XXXX statements on XX/XX/XXXX again. But they sent online decline on XXXX after I did everything they requested for 4 months. They said the reason the loan was declined was due to my credit. The credit check was done on XX/XX/XXXX and my credit was good and that is why loan was started and I also refinanced 3 other properties recently before Mr Cooper-Nationstar. So it can not be the reason. If my credit had not been good, XXXX XXXX should have declined on XX/XX/XXXX without wasting 4 months of my time and the employees of Mr Cooper time. There are all email traces that show how poor, inefficient and careless they services were and how they neglect and ignore their customer. 

As a XXXX and an XXXX, I did many loans and helped my numerous clients in getting loans and I also refinanced 3 other loans recently but have never experienced such poor business practice as Mr Cooper does. It feels like they are playing with customers. I XXXX and found complaints from many other customers and some said Mr Cooper-Nationstar was the worst company they had. I feel and think something must be done to stop such unfair and bad and poor business practice so that other people do not go through what I and other clients did. Some companies are too big and they don't care and I think Mr Cooper-Nationstar is one of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This false reporting has caused me severe financial injury, defamation of character and mountains of stress. I can't get a new job. I can't apply for credit. My wife and I can't buy a new home. I'm XXXX and reduced to low level apartments. I feel systematically oppressed. I also was denied an EIDL grant & SBA loan. Please help me fix this credit crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This false reporting has caused me severe financial injury, defamation of character and mountains of stress. I can't get a new job. I can't apply for credit. My wife and I can't buy a new home. I'm XXXX and reduced to low level apartments. I feel systematically oppressed. I also was denied an EIDL grant & SBA loan. Please help me fix this credit crisis.

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 2021-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
While I was in forbearance with my mortgage lender they are not supposed to send any negative remarks towards my credit bureau which they have been I have contacted the credit bureau I have contacted my bank lender and not I should have been done to remove this negative remarks I want action being taken against them and I want these negative remarks be removed from my credit as soon as possible. The name of the bank lender is planet home lending

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: NC

Complaint narrative:
FAILURE TO LEGALLY VERIFY I SUBMITTED NOTARIZED DOCUMENTATION REQUESTING VERIFICATION ON THE DAYS OF : XX/XX/21 - ( XXXX ) CERTIFIED MAIL XX/XX/21 - ( XXXX ) CERTIFIED MAIL RESULTS OF BOTH INVESTIGATIONS CAME BACK AS VERIFIED WITH NO DOCUMENTATION PROVING OWNERSHIP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: NC

Complaint narrative:
FAILURE TO LEGALLY VERIFY I SUBMITTED NOTARIZED DOCUMENTATION REQUESTING VERIFICATION ON THE DAYS OF : XX/XX/21 - ( XXXX ) CERTIFIED MAIL XX/XX/21 - ( XXXX ) CERTIFIED MAIL RESULTS OF BOTH INVESTIGATIONS CAME BACK AS VERIFIED WITH NO DOCUMENTATION PROVING OWNERSHIP

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 2021-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
I rented an apartment at XXXX in the XXXX managed by XXXX XXXX XXXX for more than 10 years and Paid rent on time 99.9 % of the time. However, XX/XX/2021 during the pandemic Landlord decided to send me a notice that I received when I returned from an emergency out of town trip that stated that landlord intended to terminate my lease effective XX/XX/2021. However when I tried to pay XXXX 's rent landlord returned my check stating they intended on evicting me on XX/XX/XXXX and could not accept my check. 

This matter finally came before the XXXX XXXX XXXX XXXX XXXX, Michigan XX/XX/2021 and was settled with my payment to landlord in the amount of {$7000.00} that was not to include any penalties or late fees and covered 6 months rent part of which was Gas and water and sewerage. for the last 12 months in XXXX my rent was {$970.00} + {$75.00} ( uncharge for month to month ) = {$1000.00}. Additionally, with the utilities included my average monthly was {$1100.00} for the past year. the court order was settled with {$1100.00} per month which included the utilities that were managed by the landlord XXXX XXXX XXXX. However they are now trying to keep my {$370.00} deposit and falsely claiming I owe {$220.00} for the same bills I have paid. The collection agency representative was interrupting me while I was trying to explain. I felt talked down to and unfairly treated. She told me without even checking that I owed the money for legal fees or something so pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: MN

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX my score has dropped XXXX only points due to my credit card builder. And the balance is ONLY {$31.00} and {$62.00} doesnt mean take XXXX points off my score. My score right now is in the low 500s when I know it should be in the high 600s. And I work hard on it and would like all my XXXX points back at least to get me back in the 600s. And then the lady from XXXX XXXX her name was XXXX and she wasnt nice to me. She told me my student loans wont be removed until XX/XX/2022 and I find that not fair because its been over 7 years for many of my loans and in 2022 that means I will be waiting more then 10 years for my student loans to go away. I have tried everything from loan forgiveness to credit repair from disputing everything and these credit companies want me to wait more then 10 years. But I wont dispute anymore because that ruins my credit score too. I want a home I want a new car but I have to wait until 2022. I will be XXXX years old in 2022. I dont want to complain but I have to stand up for me and my children. These credit companies keep treating me poorly.

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 2021-12-29 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: MN

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX my score has dropped XXXX only points due to my credit card builder. And the balance is ONLY {$31.00} and {$62.00} doesnt mean take XXXX points off my score. My score right now is in the low 500s when I know it should be in the high 600s. And I work hard on it and would like all my XXXX points back at least to get me back in the 600s. And then the lady from XXXX XXXX her name was XXXX and she wasnt nice to me. She told me my student loans wont be removed until XX/XX/ 2022 and I find that not fair because its been over 7 years for many of my loans and in 2022 that means I will be waiting more then 10 years for my student loans to go away. I have tried everything from loan forgiveness to credit repair from disputing everything and these credit companies want me to wait more then 10 years. But I wont dispute anymore because that ruins my credit score too. I want a home I want a new car but I have to wait until 2022. I will be XXXX years old in 2022. I dont want to complain but I have to stand up for me and my children. These credit companies keep treating me poorly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: MN

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX my score has dropped XXXX only points due to my credit card builder. And the balance is ONLY {$31.00} and {$62.00} doesnt mean take XXXX points off my score. My score right now is in the low XXXX when I know it should be in the high XXXX. And I work hard on it and would like all my XXXX points back at least to get me back in the XXXX. And then the lady from XXXX XXXX her name was XXXX and she wasnt nice to me. She told me my student loans wont be removed until XX/XX/2022 and I find that not fair because its been over 7 years for many of my loans and in 2022 that means I will be waiting more then 10 years for my student loans to go away. I have tried everything from loan forgiveness to credit repair from disputing everything and these credit companies want me to wait more then 10 years. But I wont dispute anymore because that ruins my credit score too. I want a home I want a new car but I have to wait until 2022. I will be XXXX XXXX XXXX in 2022. I dont want to complain but I have to stand up for me and my children. These credit companies keep treating me poorly.

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 2021-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
Called with my representative at XXXX CST to Eastern Account System as I wanted to settle this as I didnt know it was on my credit. We spoke to XXXX XXXX. She asked me to verify my mailing address but it was a previous address I had not lived at in the past two years, notification was sent to that address. Then I asked if I paid today if it would be deleted and I was told no. XXXX was informed that I had not received notification and asked again if I could pay this provided that it would be deleted and again was told no. XXXX was then informed that a complaint would be filed due to no notice being given and she had acknowledged that they sent out two letters to the incorrect, old, address. All I am asking for is for this to be given a chance to be paid without damaging my credit, as I was denied this when no notice was sent to my correct address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Volvo Car Financial Services U.S., LLC
State: CA

Complaint narrative:
I returned my leased vehicle on time and was present for the inspection. 4 years later I discovered that there was a charge that I never knew about for over {$600.00}. I called Volvo and asked them to clarify the charges. They stated that there was a late charge, but the vehicle was turned in on time and they could not tell me what the other charges are for. I've contacted them 3 times to resolve this dispute and they still have not told me what all of the charges are for. This was reported to the credit agencies as a " charge off '', and is negatively affecting my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021 I received a message through XXXX from my brother. He claimed he was locked out of his car and needed {$120.00} to pay for the mechanic to open his car. He said his phone was dead and he had logged in through XXXX from the mechanics phone. He told me that he would transfer me the money back as soon as he was able to charge his phone. 

A few hours later after not receiving my money I called him. Then he notified me that a scammer had taken hold of his account and he never messaged me. I then called my bank to report fraud, but they told me there was nothing they could really do besides submit a fraud report and wait 10-45 days ( when the funds will likely have been withdrawn ). I have contacted both my bank, as well as tried to contact XXXX XXXX XXXX to try and resolve this only a 5 hours after the incident. ( BofA let me know that the funds were sent to XXXX ). XXXX is not picking up the fraud hotline.

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 2021-12-29 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: GA

Complaint narrative:
XXXX XXXX AND EQUIFAX HAVE BEEN REPORING ACCONTS TO MY CERDIT FILE THAT ARE FRAUDANT ACCOUNTS DUE TO MY IDENITY BEING SOLEN WHICH I HAVE POLICE REPORTS TO PROVE MY CASE BUT NOTHING HAS BEEN REMOVED FROM MY CREDIT FILE EVEN AFTER I SENT IN MY POLICE REPORT AND DISPUTES THE ACCOUNTS ARE AS FOLLOW XXXX XXXX XXXX  BALANCE OF {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX {$450.00} XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1700.00} NOTHING HAS BEEN DONE AND IVE REACHED OUT TO EACH COMPANY AND STILL NOTHING DONE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: GA

Complaint narrative:
XXXX EXPERIAN AND XXXX HAVE BEEN REPORING ACCONTS TO MY CERDIT FILE THAT ARE FRAUDANT ACCOUNTS DUE TO MY IDENITY BEING SOLEN WHICH I HAVE POLICE REPORTS TO PROVE MY CASE BUT NOTHING HAS BEEN REMOVED FROM MY CREDIT FILE EVEN AFTER I SENT IN MY POLICE REPORT AND DISPUTES THE ACCOUNTS ARE AS FOLLOW XXXX XXXX XXXX BALANCE OF {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX {$450.00} XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1700.00} NOTHING HAS BEEN DONE AND IVE REACHED OUT TO EACH COMPANY AND STILL NOTHING DONE

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 2021-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I have received 7 documents from TRS recovery service, in ref to collecting payment for XXXX XXXX these are not my account, do not have XXXX XXXX account XXXX 
TRS recovery services Inc XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am contacting collection co and filing claim.. this is not me

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