vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
After doing a loan modification we received an approval but the payment was too high for us. To save our credit we decided to do a short sale with XXXX. When we began this process we were less than 4 years behind on the mortgage. XXXX took forever to work out our short sale and then they transferred the loan to Carrington ( owner of the loan is HUD ). We then had to start the process all over again.

HUD recently denied us stating we are 40 months past due so they wont review our short sale. Carrington did an appraisal which came in at {$470000.00} three months ago and the offer is a full price offer which is {$470000.00}. HUD has denied giving us proof of this 40 month rule saying its an internal rule and there is nothing on paper. Even if this so called rule does exists, the basis of it makes no sense to all parties involved, included HUD. 

The short sale has been in process for 2 years. The bank has done several appraisals showing value of XXXX. The offer is {$470000.00}. The buyer has stayed around through delay after delay and has a family which they were trying to place in the home and in the school system. Why would HUD want to waste tax payer money to take a home in which they have an offer at the the current value of the home? We understand the borrower is behind and he is trying to do everything to avoid a foreclosure. There is no justified reason to let this house go into foreclosure when we have such a solid offer, again, at the market and bank value. 

HUD will have to evict the owner after a foreclose and then resale the house which could take a few years and will end up with a potential offer lower then what we have or at the very least equal to it. After taking into consideration fees, costs and expenses over the next 12-18 months HUD will take even more of a loss then they have which in turn will cost tax payers even more money that can be avoided. We have a strong buyer who can close within 45 days of short sale approval. Please have this decision overturned and approve the short sale. 

( XXXX ) XXXXFHA case # XXXX. This is the contact information we had and spoke to several reps.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: AZ

Complaint narrative:
I am a XXXX XXXX XXXX veteran. Common wealth financial has put a {$1800.00} charge on my credit report for a medical bill that belongs to the VA. In XXXX the VA was held responsible for not paying medical bill including mine. This shows on my credit report as of XXXX XX/XX/XXXX. I do not accept responsibility for this charge. I ask that this charge be removed from my credit report immediately. I have not been to the emergency room for well over 2 years and if I was it would have been covered by the VA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: KEYCORP
State: IN

Complaint narrative:
On XX/XX/XXXX my phone and wallet was stolen at my residence at XXXX XXXX XXXX XXXX. The thief got on my phone he stole and then transferred money from my unemployment card ( XXXX  XXXX XXXX  ) to XXXX XXXX. They then made several unauthorized transactions- a transfer for {$1000.00} another for {$500.00}, another for {$800.00}, another for {$180.00}. I believe there was another transaction or 2 they did through cash app. On or around XX/XX/XXXX the suspect ( XXXX XXXX ) hacked my unemployment online account and entered their information and debit card and received my payment of {$140.00}. I let XXXX know of the ongoing fraud and also let XXXX XXXX  know as well. I have been robbed for around {$4000.00} and have lost my place to live without receiving any payments. I was told that my money would be refunded but I need action to be taken now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: IL

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 2020-11-10 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: IL

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 response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: IL

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 2020-11-10 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: IL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and things Ive never seen before on my credit report. Over 45 days late I have not received a response yet. I think that they are ignoring my disputes. Section 611 ( a ), It states that a failure to investigate these items within 30 days constitutes a removal of these items from my credit report. Its been well over 45 days and they should be deleted immediately. My credit was involved in the date breach and some of my information may have gotten been misused.

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 2020-11-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and things Ive never seen before on my credit report. Over 45 days late I have not received a response yet. I think that they are ignoring my disputes. Section 611 ( a ), It states that a failure to investigate these items within 30 days constitutes a removal of these items from my credit report. Its been well over 45 days and they should be deleted immediately. My credit was involved in the date breach and some of my information may have gotten been misused.

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 2020-11-10 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: NY

Complaint narrative:
Transunion continually refuses to take off more importantly thoroughly investigate XXXX XXXX alleged collections reporting against me. XXXX and XXXX  have complied and done there due diligence and have removed XXXX XXXX fraudulent phantom debt. I have suffered severe consequences solely based on Transunion failure to investigate this phantom debt and factually Transuion has continually lowered my credit report and when I look why it states no new change. I have suffered from the Covid-19 pandemic massive loss and continue to be impacted by the consequences of Covid-19, yet Transunion continues to drop my credit score and has refused to remove XXXX XXXX from my credit report. Transunion has single handedly destroyed all possibilities for me to take out a personal loan. There questionable business practices are destroying my livelihood and the well-being of my family.

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 2020-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I cant get wells fargo to follow the aggrement which they signed at the end of XXXX. Somebody named XXXX XXXX from office of the president keeps sending the same letter over an over which is not even correct. I NEVER CALLED WELLS FARGO AND ASKED FOIR MY TRUCK TO BE REPOSSESED, EVER> I have asked for Outside mitigation as I am not even close to being happy with your canned reply 's and the lies contained in them. The Last payment I made on the truck was XX/XX/XXXX Why did that happen after making a XXXX and XXXX dollar payments in 12 days XX/XX/XXXX and XX/XX/XXXX. Because the next time I got a monthly statement My truck payment went from XXXX to XXXX because you all put XXXX on it after I moved from XXXX XXXX mn to XXXX Mn on XX/XX/XXXX. I had the very same insurance and agent as the day I bought it. So many things you all are trying to tell me are false. You have told me you sold my loan in XX/XX/XXXX, I called XX/XX/XXXX and said repo my truck, That my truck was repossessed XX/XX/XXXX. NOT ONE OF THESE IS TRUE NOT ONE. I HAVE ASKED HOW MANY TIMES FOR OUTSIDE MITIGATION AT LEAST 10 YOU NEVER ADDRESS ANYTHING THAT I HAVE ASKED YOU ALL ARE SCAM ARTISTS AND THIEFS. YOU ALL LIE LIKE NO BANK I HAVE EVER SEEN AND I AM SICK OF IT > EITHER PROVIDE MITIGATION AT THE OUTSIDE LEVEL OR PROVIDE ME A FULL REFUND OR GIVE ME THE ADDRESS TO HAVE A SUMMONS SERVED UPON WELLS FARGO. DONT SEND ME A NOTHER ONE OF XXXX XXXX CANNED LIE LETTERS PERIOD>

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 2020-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: MO

Complaint narrative:
I applied for a mortgage with my current lender in XXXX. My home was appraised and completed on XX/XX/XXXX. Currently I have been misinformed of what they need to complete the process. I paid XXXX dollars up front for a appraisal that I can not transfer. After several complaints about flagstar failing to have proper information listed on the approval online they continue to wildly ask for more information. As of today the website displays a expired approval from XX/XX/XXXX that is prior to the appraisal, flagstar requests I pay my XXXX bill that is not late in order to complete the loan. This is not displayed on the site nor has it been asked for in writing. Nor can I see it on the site. I feel this is yet another attempt to delay the closing. I was told numerous times and in writing that this would be done if I get the payoff etc. now Im out XXXX dollars and have to make a payment on a mortgage for the XXXX month after I was told its done. During a pandemic I am making my obligation and I feel this bank is not providing accurate information and failing to place these requirements where a person can see what is required. They also failed to respond to complaints in a timely fashion. It took two complaints and a dozen emails or calls for one response that was inaccurate. Thank you.

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 2020-11-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
The apple app crashed where my payments were being made via auto-bill and I was not able to make my payments for XXXX and XXXX of this year. I reached out to the company but it took two months for them to resolve this issue with the app. The company was notified and were aware of this payment issue. However, they never notified me of this app issue causing late payments on my credit report. I now can not get approved for a mortgage because of these marks on my credit. The company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter on XX/XX/20 regarding inaccurate and unknown things on my credit report. To this day, over 70 days later, I have not received a response yet for all my disputes on incorrect items. I know this is not right, and I feel like my disputes are being put on a back burner. I am following up with the CFPB because I feel like I'm being taken advantage of. Section 611 ( a ) states that the credit bureaus ' failure to investigate all of my listed items within 30 days gives a reason to immediately remove those items from my credit report, but it has been over 70 days so they should be deleted promptly. I demand all of these accounts be deleted immediately or I WILL FILE FOR LITIGATION due to the stress and pain you have caused me. I also noticed that there are major errors on my report due to my information being impacted by the equifax data breach. It is obvious that people have been applying for things in my name. Not fun!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX continually refuses to take off more importantly thoroughly investigate XXXX XXXX alleged collections reporting against me. XXXX and XXXX have complied and done there due diligence and have removed XXXX XXXX fraudulent phantom debt. I have suffered severe consequences solely based on XXXX failure to investigate this phantom debt and factually XXXX has continually lowered my credit report and when I look why it states no new change. I have suffered from the Covid-19 pandemic massive loss and continue to be impacted by the consequences of Covid-19, yet XXXX continues to drop my credit score and has refused to remove XXXX XXXX from my credit report. XXXX has single handedly destroyed all possibilities for me to take out a personal loan. There questionable business practices are destroying my livelihood and the well-being of my family.

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 2020-11-10 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX continually refuses to take off more importantly thoroughly investigate Portfolio Associates alleged collections reporting against me. XXXX and XXXX have complied and done there due diligence and have removed Portfolio Associates fraudulent phantom debt. I have suffered severe consequences solely based on XXXX failure to investigate this phantom debt and factually XXXX has continually lowered my credit report and when I look why it states no new change. I have suffered from the Covid-19 pandemic massive loss and continue to be impacted by the consequences of Covid-19, yet XXXX continues to drop my credit score and has refused to remove Portfolio Associates from my credit report. XXXX has single handedly destroyed all possibilities for me to take out a personal loan. There questionable business practices are destroying my livelihood and the well-being of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
COMPANY NAME : XXXX XXXX XXXX XXXX COMPANY # : ( XXXX ) XXXX with many other numbers and extensions COMPANY ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX Events leading to report : Received a call on XXXX XXXX. The caller stated that they were trying to collect a debt from Wachovia/Wells Fargo. The company that they are with is XXXX XXXX XXXX XXXX. They asked for verification of my SSN and I stated to them that if I owed a debt to them then they would already have that information. To which they replied with my full SSN, home address, and full name. HUGE RED FLAG! I proceeded to tell them, after I DID NOT give any of my information, that I would need a bill/paper trail of any money that I owed and I would need original billing as to why I owed this debt. The account manager then proceeded to get extremely aggressive with me threatening law suits and that they knew where I lived and would be coming after me legally. On top of that, I asked her to calm down and that maybe she shouldnt speak to people in this tone that she is trying to get a debt resolved, to which she replied dont tell me how to do my job and I will for sure see your XXXX in court, we know who you are. All of that was disturbing to say the least. On XXXX XXXX, I received at my home a letter from this law firm stating the amount and original account number from Wachovia/Wells Fargo. I have since called Wells Fargo and there is no such account in existence. Nor do I owe them any outstanding debts. I even have my auto loan with Wells Fargo and it has a perfect record of payments. Please help flag or take down this law firm and their sinister ways and deplorable morals in a time when no one should be having to deal with people like this. Thank you for your time and I apologize for the long statement.

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 2020-11-10 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: CA

Complaint narrative:
I sent a letter on XX/XX/20 regarding inaccurate and unknown things on my credit report. To this day, over 70 days later, I have not received a response yet for all my disputes on incorrect items. I know this is not right, and I feel like my disputes are being put on a back burner. I am following up with the CFPB because I feel like I'm being taken advantage of. Section 611 ( a ) states that the credit bureaus ' failure to investigate all of my listed items within 30 days gives a reason to immediately remove those items from my credit report, but it has been over 70 days so they should be deleted promptly. I demand all of these accounts be deleted immediately or I WILL FILE FOR LITIGATION due to the stress and pain you have caused me. I also noticed that there are major errors on my report due to my information being impacted by the XXXX  data breach. It is obvious that people have been applying for things in my name. Not fun!

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 2020-11-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a letter on XX/XX/20 regarding inaccurate and unknown things on my credit report. To this day, over 70 days later, I have not received a response yet for all my disputes on incorrect items. I know this is not right, and I feel like my disputes are being put on a back burner. I am following up with the CFPB because I feel like I'm being taken advantage of. Section 611 ( a ) states that the credit bureaus ' failure to investigate all of my listed items within 30 days gives a reason to immediately remove those items from my credit report, but it has been over 70 days so they should be deleted promptly. I demand all of these accounts be deleted immediately or I WILL FILE FOR LITIGATION due to the stress and pain you have caused me. I also noticed that there are major errors on my report due to my information being impacted by the XXXX  data breach. It is obvious that people have been applying for things in my name. Not fun!

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