vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NVR INC.
State: NC

Complaint narrative:
Hi I believe I haven a victim of boycotting in 3 different morgate brokers I have trying get a home loan approval submitted my pay stuff and talking to the loan processor at those 3 companies and they all denied my loan.they never provide me with a denial letter stating the reason for it. Only orally they state that I don't qualify because my income is low and the have to high iloan to income ratio.

Attached you'll find my pay stuff. I even calculate the loan to income ratio myself and in 48. Stay low and I can qualify for FHA.Even my son was suppose to be my cosigner and they state isn't approved. 

The firts company is NVR Mortgage The name of Loan processor XXXX XXXX. 
Date XX/XX/2021 to present. I had a contract with XXXX XXXX signed in XXXX 2021.He pre-approved me for it. I got unemployed XX/XX/2021. 
I called explained. They let me get another job. I stater to work on XX/XX/2021. 2 jobs. 
One at sesalons pay with w2. And XXXX XXXX pay 1099. 
All paystuff submitted by email to him. 
Even my son pay stuff. 

I haven received the declined loan letter. 

Just a phone call by him saying he only use my base salary he can't use 1099. 
And he just called me today again XXXX XX/XX/XXXX at XXXXXXXX XXXX to confirm he didn't approved it I asked him again if he use my whole pay stuff amount he said yes. When he told me he couldn't. The loan amount was suppose to be XXXX. 
I had putted XXXX in down-payment. Wich XXXXXXXX XXXX refunded to me.he also said I'll be getting the declined loan letter in 10 days. 

Second company I applied to is The XXXX XXXX of XXXX XXXX. 
I firts apply with XXXX XXXX then XXXX XXXX was in contact with me. Her assistant I believed. Then a 3er person stating was the loan coordinator manager called me and stated it we won't qualify because the loan to income ratio was to high. And he can only use my base salary not my whole pay check amount. And neither my son whole pay check. Wich is absurd. That is the proved of income and we pay taxes to whole amount. I requested her the declined letter that by RESPA I'm suppose to get with the reason of the denial and she said she is not use to it to send any because it has the names and head names of the company. 

Yes I have been a victim of boycotting and racism.. 
XXXX XXXX license XXXX Loan number XXXX And XXXX XXXX XXXX she/her/hers Branch Manager XXXX # XXXX OfficeXXXX Cell : XXXX Fax : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX Attached you'll find the paystuff and contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NFM, INC
State: NC

Complaint narrative:
Hi I believe I haven a victim of boycotting in 3 different morgate brokers I have trying get a home loan approval submitted my pay stuff and talking to the loan processor at those 3 companies and they all denied my loan.they never provide me with a denial letter stating the reason for it. Only orally they state that I don't qualify because my income is low and the have to high iloan to income ratio. Attached you'll find my pay stuff. I even calculate the loan to income ratio myself and in XXXX. Stay low and I can qualify for XXXX.Even my son was suppose to be my cosigner and they state isn't approved. The firts company is XXXX XXXX The name of Loan processor XXXX XXXX. Date XX/XX/2021 to present. I had a contract with XXXX XXXX signed in XXXX XXXX.He pre-approved me for it. I got unemployed XX/XX/2021. I called explained. They let me get another job. I stater to work on XX/XX/2021. 2 jobs. One at sesalons pay with XXXX. And XXXX XXXX  pay XXXX. All paystuff submitted by email to him. Even my son pay stuff. I haven received the declined loan letter. Just a phone call by him saying he only use my base salary he can't use XXXX. And he just called me today again XXXX XX/XX/XXXX at XXXX XXXX to confirm he didn't approved it I asked him again if he use my whole pay stuff amount he said yes. When he told me he couldn't. The loan amount was suppose to be XXXX. I had putted XXXX in down-payment. Wich XXXX homes refunded to me.he also said I'll be getting the declined loan letter in 10 days. Second company I applied to is The XXXX XXXX of NFM Lending. I firts apply with XXXX XXXX then XXXX XXXX was in contact with me. Her assistant I believed. Then a 3er person stating was the loan coordinator manager called me and stated it we won't qualify because the loan to income ratio was to high. And he can only use my base salary not my whole pay check amount. And neither my son whole pay check. Wich is absurd. That is the proved of income and we pay taxes to whole amount. I requested her the declined letter that by RESPA I'm suppose to get with the reason of the denial and she said she is not use to it to send any because it has the names and head names of the company. Yes I have been a victim of boycotting and XXXX XXXX XXXX XXXX XXXX Loan number XXXX And XXXX XXXX | she/her/hers XXXX XXXX XXXX  # XXXX XXXX Cell : XXXX Fax : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX Attached you'll find the paystuff and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: FL

Complaint narrative:
letter is in regarding the inaccurate entry being reported under bankruptcy .I have repeatedly asked for evidence to support your reporting, but yet again, You have failed to provide me with a copy of any viable evidence submitted by BANKRUPTCY COURT. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, I provide the letter by UNITED STATES BANKRUPTCY COURT SOUTHERN DISTRICT OF FLORIDA. 
I am again formally requesting to be remove from my credit report a the Bankruptct and public Records. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX, I couldn't get pre-approved for a mortgage loan because Equifax put a freeze on my credit information due to the cyber hack they experienced in XXXX, which left me as one of the victims. They provided me a pin to unfreeze my credit information but it did not work. Then they required me to fax sensitive Personal Identifiable Information to a number. After XXXX attempts, they said they did not receive my fax which contained my drivers license and Social Security card. Then they required me to mail in a copy of the same information they had me fax. Finally, after spending hours on the phone with them, they unlocked my credit report. They also made me create a new login ID. Today, on XX/XX/XXXX, I attempted to login and the only information they provided me with is that they can't process my login request at the moment. 

I am writing to complain about their system which causes customers to have to continuously change passwords and login credentials, but leaves them without knowing how to do so or any warning or notification that a login credential is about to expire. Also, I am writing to complain about their unsafe practices of requiring customers to fax sensitive documents, which they end up losing. There is no question in my mind that they will have another major data breach on their hands, if they haven't already since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cottonwood Financial Ltd.
State: TN

Complaint narrative:
On XXXX my daughter contacted me about a phone number of XXXX that kept calling her asking for myself. She preceded to tell them that that was not her phone number and please quit calling. They called back two more times ( a total of three times on this day ) and when my daughter said this is not my moms phone they hung up on her. She said the gentleman was a complete jerk and very rude. The third call was a lady saying I had to go to court over money I borrowed. I have never received any court documents for this place of business. I was late two payments in XXXX  and settled out on a payment plan with them. Just out of the blue they call and harass my daughter.

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 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Getting a loan or lease — Fraudulent loan
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I started a mortgage process and got a copy of my FICO report, then I was able to see that an account that is not mine was added to my credit report, from them I have disputed this account within the 3 bureau credit offices, also have reported to the Bank which the fraud account has been set but it is still under investigation from XX/XX/2021 but haven't received final resolution. 
I have never used this bank for any loan and they say that the information is accurate, similar response I got from 2 of the Credit Companies which is false and it's impacting my ratio debt and credit score, increasing my level of stress handling this situation.

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 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Getting a loan or lease — Fraudulent loan
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I started a mortgage process and got a copy of my FICO report, then I was able to see that an account that is not mine was added to my credit report, from them I have disputed this account within the 3 bureau credit offices, also have reported to the Bank which the fraud account has been set but it is still under investigation from XX/XX/2021 but haven't received final resolution. 
I have never used this bank for any loan and they say that the information is accurate, similar response I got from 2 of the Credit Companies which is false and it's impacting my ratio debt and credit score, increasing my level of stress handling this situation.

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 2022-01-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Today XX/XX/XXXX on credit karma a Hard inquiry for capital one appeared on my XXXX & XXXX report. I have not contacted company and have no accounts. CAP1/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05 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: GA

Complaint narrative:
I do not understand why it is taking so long to get an answer from the credit bureaus about a letter I sent them on XXXX. I have been patient, but I thought it was supposed to only take 30 days. At this point, I would like for them to delete all of the accounts that I have disputed 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 non-monetary relief
Consumer complaint received 2022-01-05 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: OPORTUN FINANCIAL CORPORATION
State: FL

Complaint narrative:
My identity was stolen in XX/XX/2020 and they opened a loan account through XXXX XXXX. I submitted an affidavit that my account was stolen, I called the bank, submitted a police report and filed a case in XXXX I still have a balance on my credit report from a loan they disbursed to the thieves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/2021, sale orders # XXXX and # XXXX were placed in my name with a new Ashley credit card, following pressure sales of furniture and insisting items needed to be ordered early to ensure " they would be ready '' ... ..The items were ordered for my boyfriends new home, which he was closing on on XXXX/XXXX/2021. We were told that when he closed, we could go back to the store, cancel the orders in my name and REORDER everything in HIS name with a NEW card for him, as he was not able to open credit due to a pending mortgage. 

On XXXX/XXXX/2021, WE BOTH went to the XXXX XXXX Ashley store and completed the task of CANCELING ORDERS # XXXX and # XXXX. All items ( except the dining table ), were REORDERED and PAID with NEW CARD in XXXX XXXX 's name ; order # XXXX and # XXXX. 

Items were delivered as schedule to his NEW home in Connecticut on XXXX/XXXX/2021. If you review the order invoices attached, you will see the dates, items, addresses, names on the order and Card # used. 
XXXX XXXX has been paying for the items under his Ashley Synchrony account on time, with no issues. This can be verified by reviewing his credit account. 
MY Synchrony account should have NEVER been charged, as the orders were CANCELED from my name. 
The store verified orders were canceled, and despite the XXXX disputes I submitted, I am still being charged and it is taking a hit on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: LA

Complaint narrative:
I have filed a disputed regards to the incorrect on my credit report. Its been well over 30 days and I haven't received any investigation results.

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 2022-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
A letter was sent to validate debt onXX/XX/21,XX/XX/2021, andXX/XX/2021. As of today nothing has been communicated with me. This is a collections account with XXXX XXXX appearing as open with a past due amount of {$0.00}. 

I am not understanding how this account can still be open with a {$0.00} balance. Furthermore, nothing was sent to me that would validate this account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Was diagnosed with covid and was ill. Called to make payment after recovery, autoamated system did not record payment. 
Original payment submited XX/XX/2020 recorded XX/XX/2020

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 2022-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: FL

Complaint narrative:
The company XXXX XXXX ( First Credit Service ) is looking for a person unrelated to me. They call and harass on a daily basis. I have repeatedly answered and explained I am not the person they are looking for. I have asked to speak to a manager and they denied to transfer me. I have records of the calls. This is straight harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one XXXX {$0.00} balance Status current Account opened XX/XX/2016 I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: CT

Complaint narrative:
I wasted an hour on hold today trying to dispute a transaction. The company offers no facility for doing this in writing, and I can barely hear the representative who barely speaks English anyway. 

On XXXX XXXX at XXXX AM I placed an order with XXXX Eats. They kept pushing back the time of delivery until it was over two hours. I had to go to work so I cancelled it. They told me they wouldnt provide a refund and they expected me to wait as long as it takes. 

Eventually they apparently issued a partial refund ( {$7.00} at XXXX that evening ). 

I want the rest refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I received a letter in the mail XX/XX/21 from sunrise credit systems, inc about a letter to attempt to collect a debt, the company have threaten to take action to the National credit bureaus. I checked my XXXX  report and it has been reporting since XXXX. I never gave them consent to take action or to discuss any debt, I dont know who this company is, this has caused me anguish and this is identity theft. Sunrise credit is in a total of 9 consumer violations. I sent in an affidavit of truth and a federal consumer violation invoice certified copy, return receipt.

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