vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Filo Mortgage, L.L.C.
State: FL

Complaint narrative:
applied for mortgage from Filo mortgage co in early XX/XX/XXXX, and complied to a myriad of requests for records that were repetitive. I complied for 6 months of a variety of requests that had nothing to do with my mortgage. I wanted to borrow {$250000.00} on a paid in full {$550000.00} home I bought with cash years before. I have a credit score of 800+ and absolutely no bills except daily living expenses. We have a combined retirement monthly payment of $ XXXX month and felt fully qualified to receive a loan easily. That did not happen, we were asked about simple stupid stuff that went on for 6 months culminating in a loan closing on XX/XX/XXXX. The problem is that I received a loan credit of {$1000.00} reducing my closing costs, during my initial application. At closing it was reduced to {$410.00} which is {$600.00} less than the quoted credit. I asked for an explanation and they explained it was due to an extended time limit for loan accepted. Loans in the past for me were loan to value based and we were totally fully covered for the loan amount, but Filo kept asking for address change for a property also fully paid for and in my history. Also I sold a home 35 years earlier that continued to have my name on the deed with the person who purchased the home. I can prove what I own but how do you prove you dont own it? There were so many crazy requests asked of us even though we did provide the extensive responses from agencies, and communities and court houses etc that we begged for an answer if we were going to get the loan. I had to do the calling to them to see what they now needed. It was frustrating and I called the home office, her supervisor everyone I could to get this off dead center. Filo mortgage is totally incompetent with an office full of inexperienced flunkies. I should not be penalized for {$600.00} that they caused. My loan to value is substancial in my favor, and despite this Filo staff kept asking for more including a family spat between father and daughter that had no basis in the courts but somehow Filo needed an explanation before approving the loan. They ARE A TOTAL JOKE AND i PLAN TO CALL THE XXXX XXXX XXXX  to prevent this happening to others. Please help I deserve to not be penalized for there incompetence

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I noticed some unauthorized inquiries on my Equifax credit report.According to the Fair Credit Reporting Act, legally these unverified and unauthorized items MUST be removed!! All highlighted items MUST be deleted from my credit report and my credit file should be updated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
My original loan was sold in 2020 to Lakeview loan servicing XXXX XXXX and the amount of the original loan has changed. I have called to ask why the amount has changed and the previous mortgage company wants to know why as well because it should be lower. XXXX XXXX will only tell me it's a piggy back loan but refuses to furnish any documents pertaining to the additional amounts owed as a second mortgage and hangs up on me or leaves me on hold then hangs up. I would like a detailed explanation of the loan and why has a second mortgage been taken on my behalf.

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 2021-03-10 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XXXX XX/XX/2021 some one applied for credit card under my name without my consent, I do not acknowledge any debt, I want everything to be deleted Im a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: GA

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from 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 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates, LLC keeps putting inaccurate information on my XXXX and XXXX reports. I never had this debt with this company and I am prevented from getting credit due to a low credit score. The company sent me a letter stating that they are unable to collect on the debt because it is too old.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: NJ

Complaint narrative:
Im so frustrated I do not even know where to begin I tried to call so many times and no one answers. 

I finally over a year ago got a copy of my credit report. 

It took me forever to get the experian login because I had so many issues as my ex boyfriend which I have a restraining order on had done so much with hacking me. 

Finally I seen some things and trying to get this fixed has been a nightmare. 
I thought they fixed after sending documents to all the credit report places still only part. 

Then today to find out my social security number is wrong now And how is this that someone keeps just applying for cards. 
Im trying to get a place how to find out who is doing this. 

Someone went and put a different address I sent proof was supposed to be removed and still there. 

I have a hospital been fighting forever I was locked up they took me by ambulance because had dental work and was bleeding they had to rush me there. 
I had state insurance. 
Why?? I called attorney and they said not worth it cause Im a felon to help me. 

Please help 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
Consumer complaint received 2021-03-10 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: Flagstar Bank, N.A.
State: GA

Complaint narrative:
We purchased a boat via flag star bank- I set up automatic payment drafts through the online portal- I did not realize that they were not debiting the account until after it was pass due- my husband spoke with and asked them to remove the late flag-

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 2021-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: FL

Complaint narrative:
Reliacard/US Bank is not allowing me to withdraw funds that I need while out of state. I have attempted to speak with them multiple times by phone to resolve this. I was told they have placed a " travel exemption '' on my account. However, they still will not allow me to withdraw funds greater than {$40.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XXXX XX/XX/2021 some one applied for credit card under my name without my consent, I do not acknowledge any debt, I want everything to be deleted Im a victim.

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 2021-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
I have reached out to XXXX  to remove the account as I Never had an account with this company and no contract. They continue to report and have not produced requested contract or information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
To Whom It May Concern, My Citi bank card was charged, not by me 4 times in one day. I contacted the company and filed a fraud case.

I am now being told the issue is resolved however I am still receiving emails about payment due date alerts.

Before the fraudulent charges, the card had a {$0.00} balance.

I asked the company to send me a verification on the resolved fraud case.

I was told 2 email verifications have been sent to my email with details.

I haven't received any emails. I was told by customer service of the resolution which had occurred XX/XX/21. No one from Citi bank informed me. I continue to receive payment alerts. 

The protection on my account initially was weak and the fraud steps are also weak. 
I'd like to complain in the hope this doesn't happen again or to any other consumer. 

Thank you, XXXX XXXX XXXX

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 2021-03-10 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 — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
i filed a dispute in regards of the inaccurate items on my credit report it has been well over 30 days and i haven't received any investigation results

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax, Inc is currently engaged in several systematic and diligent violations of federal law under the Fair Credit Reporting Act, Truth in Lending Act and Fair Debt Collection Practices Act of Title 15 Chapter 41. Equifax received and signed for my Affidavit of Truth on XX/XX/2021 at their dispute office and on XX/XX/2021 at their corporate headquarters. I have outlined each of Equifaxs violations of federal laws in my Affidavit of Truth attached below and provided clear and conspicuous breakdowns and explanations of all necessary federal laws. Included in my first Affidavit of Truth below is my invoice and remedy demand list. To be clear every remedy demand on my list is not a request but a demand as is my right pursuant to federal law and as the federally protected consumer and natural person. I have not included any dispute or request but only demands as are my right pursuant to federal law. This is Equifax s first opportunity to resolve all their outstanding issues ( several blatant violations of federal law ) by providing all my demanded remedy pursuant to 15 USC 1692c ( c ) ( 2 ). My Affidavit of Truth attached here below is my first step in my private administrative process. I advise whoever at Equifax who receives this CFPB complaint and Affidavit of Truth attachment to forward it to your executive leadership team and legal team. Individuals on these teams will understand what these documents mean and what needs to be done swiftly. Equifax s illegal actions ( violations ) have caused me extreme injury over at least the last 8 years. Any further deceptive fraudulent delays tactics to avoid resolving these issues will only worsen this case for Equifax as I continue my private administrative process. I hereby am giving Equifax the chance to resolve all these issues quickly to avoid further legal liability in the near future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian might pretend to request authorization, close out this complaint as a duplicate or state they do not think it is from me the federally protected consumer and natural person. This is a delay tactic because I have used the last four of my SSN to verify myself with this complaint. Experian XXXX is currently engaged in several systematic and diligent violations of federal law under the Fair Credit Reporting Act, Truth in Lending Act and Fair Debt Collection Practices Act of Title 15 Chapter 41. Experian received and signed for my Affidavit of Truth on XX/XX/2021 at their dispute office and on XX/XX/2021 at their corporate headquarters. I have outlined each of Experians violations of federal laws in my Affidavit of Truth attached below and provided clear and conspicuous breakdowns and explanations of all necessary federal laws. Included in my first Affidavit of Truth below is my invoice and remedy demand list. To be clear every remedy demand on my list is not a request but a demand as is my right pursuant to federal law and as the federally protected consumer and natural person. I have not included any dispute or request but only demands as are my right pursuant to federal law. This is Experians first opportunity to resolve all their outstanding issues ( several blatant violations of federal law ) by providing all my demanded remedy pursuant to 15 USC 1692c ( c ) ( 2 ). My Affidavit of Truth attached here below is my first step in my private administrative process. I advise whoever at Experian who receives this CFPB complaint and Affidavit of Truth attachment to forward it to your executive leadership team and legal team. Individuals on these teams will understand what these documents mean and what needs to be done swiftly. Experians illegal actions ( violations ) have caused me extreme injury over at least the last 8 years. Any further deceptive fraudulent delays tactics to avoid resolving these issues will only worsen this case for Experian as I continue my private administrative process. I hereby am giving Experian the chance to resolve all these issues quickly to avoid further legal liability in the near future.

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 2021-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IN

Complaint narrative:
On XX/XX/2020 i had open a bank account with XXXX XXXX, with it been so recent obviously i couldnt have a debit card right away to have access to funds. i had a cash app account well i decided to go ahead and transfer {$400.00} over and have it handy within seconds according to cash app it available in minutes.Thats when my nightmare starts XXXX eve no money in bank or no money in cash app. I tried to contact cash app, but obviously they have no live customer services making it the worse to get an answer. On one hand cash app no response, other hand ( than they understand and that they will do everything they can to make it right and keep me happy key bank was willing to cooperate ) This goes on yet still today and nobody can do anything about i have over 100 emails back and forward including one from XXXX stating that the funds were in fact returned on XX/XX/2020, with time, date, and where funds were directed, they cant even provide me with a tracking number, or a transaction history or number. 
Cash app rejected the funds to a card that is not even my card, its from XXXX  XXXX XXXX. instead of sending back to my bank which is XXXX XXXX 
I need someone to have the courage to step up to do what they believe is right. This Company is gon na keep doing this every day and this cash app, or bank will go out of control. Not even the XXXX  can make them response to the complaint. 
I wish somebody would guide me the right direction. 
Every email that I have received from cash app has been about how much they care about me and the privacy of my account but never got a real answer or a definite answer on where my money is people live on pay check to pay check and can not afford to lose a dollar. 

P.S today marks over 75 days since i have not had a clear answer from cash app they always say ur case has been closed due to you because u havent contacted us in three or more days This is the lamest idea i have ever heard you guys should be embarrass for what ur doing to people that really need it. 
This really the last email before i seek legal advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Was told u would receive a settlement or balance paid off of remaining balance owed, and my title given to me. Haven't heard anything from them and continue to get the run around. I got a loan through chrysler capital, which is owned by santander.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On XX/XX/2019, XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
The car loan fully PaID off after refinancing by the second loan provider company, but the first company still sending me bill statement every month, even I received paid of confirmation letter and the car title. 
They reported to credit report agencies and my credit score affected ( dropped ). I need your help to investigate and to correct this falls and unfair report from loan provider Thank for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX continues to report incorrect information to my Experian credit report. It is reporting that the account is opened instead of closed with XXXX balance. I have had issues with them reporting incorrect information, I reported them to XXXX XXXX XXXX  and they removed but months later they are reporting incorrect information again causing my credit score to drop by 13 points putting my chance of getting a mortgage for a house in jeopardy. They will not stop doing it. It is extremely hard to get to talk to them.

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 2021-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
I got a derogatory mark on all my three credit report stating this account got sent to collections. However, I do not have no knowledge of this debt and, that it does not belong to me. I would like to address this immediately and get this negative remark remove from my report. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing. Receivable Management Services Corporation

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 2021-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I received two checkbooks with two different accounts from TD Banks with my name and address indicating that I have opened up an account.

I called TD Banks and advised them that I do not know these accounts, and they instructed me to contact the fraud department. Someone may have used my identity to open an account online. I advised them most banks open an account online and asked for a photo id why it wasn't done. They couldn't give any answer but to call the fraud and report stolen identify.

Company response to consumer: Closed with explanation