vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Lennar Financial Services, LLC
State: TX

Complaint narrative:
Im now without a home because they told me it was ok to switch jobs months ago and then 3 days before my closing after everything including me paying XXXX for an inspection, they say that we cant close because of the job switch, which I had gotten approved by my loan officer months ago! 
Now Ive requested a supervisor and a contact to their lawyer and no one even responds to my emails. Its been days and days Ive been trying to reach someone higher up or their corporate complaints department and not a single email. 
Its now been 4 days since Ive requested a corporate complaints number, a supervisor to XXXX, or a contact for a company lawyer and I have yet to receive anything. 

First request was Wednesday XXXX Second request Thursday XXXX And now we third request today Sunday the XXXX. 

I also want to state how n the email that not a single person has called or emailed me since my request or even called to explain why I wasnt approved. 
Just a email 2 days before Im suppose to close, after my employer offered to send whatever was needed and no one ever said what he sent wasnt enough. 
Also after I got approval from this company to switch companies since its within the same industry, and then yiu wait till 2 days before closing to decline. 
Im now out a home since Im already packed to home into my new home, Im out my inspection funds of XXXX dollars, which had someone said dont switch jobs until after closing i would have just taken a later start date which I was given the option to do.

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 2020-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: OH

Complaint narrative:
CREDIT MANAGEMENT LP posted XX/XX/2020 amount {$160.00} I reached out by phone right away to try and resolve this many times. I was never given a solid answer on what this was for, who this was for, when it happened or given an option to resolve this. I was transferred around with no resolution. I later had my credit repair company do their rounds of letters. Still no response to anything. We never recived a pone call, letter or anything trying to resolve this issue .No explanation was ever sent or given to explain this debt. This has dropped my credit score and is preventing me from buying a home for my daughter and i. We are now at the point of loosing our home and not being able to buy in time because of this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I had a secured credit card through Citi Bank. When my payment did not go through ( my paycheck had not been made available ), Citi closed the account. They put my put my deposit towards the amount owed and I began making the minimum payments displayed in the app plus a few additional dollars. 

However, even after receiving the reported minimum payments, Citibank charged me late fees. I attempted calling them and explaining the situation and ask for a resolution but they were unwilling to come to an agree. 

At that point, I wrote them a letter expressing what happened, suggested a resolution to the account, and requested all further communications be made through the mail or via email. They continued to call via phone and no communications were sent through mail. 

I agree to finish the payments until the {$270.00} I had accrued was paid in full.

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 2020-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
THE GOLDEN 1 CREDIT UNION XXXX and XXXX accounts have been settled in full since 2019. My recent credit reports are still showing balances that are highly impacting my credit scores and preventing me from getting the credit I deserve. Correct or delete the accounts right away!

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 2020-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
My stimulus check was deposited into my checking account and Bank of America has done everything possible to stop me from accessing these funds. Acct # XXXX Routing # XXXX. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK. At this time they have canceled my debit card. I can not transfer the funds nor acces them in any way. Over the last 48 hours I've called 12 times. They changed my debit card pin number without my approval and placed a fraud alert on my account I did not approve. I have tried everything. I need to pay my rent to stop eviction

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 2020-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The CMI Group, Inc.
State: NV

Complaint narrative:
A collection of {$520.00} appeared on my credit report on XX/XX/2020 for a bill that was included in my bankruptcy. I called Credit Management LP on XX/XX/2020 to explain this should not have been reported to the credit bureaus. They told me they would notate that my account was a chapter XXXX bankruptcy but did not give me any resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01 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: WA

Complaint narrative:
I am aware of the heightened amount of Stall Tactics due to COVID-19, but I have verified that I am not a credit repair company, and I am sending this letter to dispute the following that I have included in this report. Please remove it immediately.

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 2020-10-01 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:
I submitted two separate disputes to Experian who have continued to report 2 chargeoffs with information reporting as late on my credit report with a balance. I included court documents showing that these balances were discharged several years ago yet they refuse to update the information. This is negatively affecting my credit score which I have been working to improve. 

I sent in certified letters to Experian who did not respond in the allotted 30 days.

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 2020-10-01 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: FL

Complaint narrative:
Good evening, To whom it may concern, I paid XXXX XXXX XXXX double mortgage payment for the month of XXXX. My account was recently transferred and my previous company sent XXXX  XXXX a paid mortgage payment on their end and I paid a full payment in my end as well. When I spoke to a representative, they mentioned that the payment was in the principle account and would be transferred for my XXXX or XXXX payment. I was a new transfer to XXXX  XXXX and received minimal assistance with my double mortgage payment issue. The representative mentioned that due to current COVID-19 policies, they would not report any late payments, especially since I already have the payment in the principle. They took a long time to transfer the payment and after numerous calls, the mentioned they there were delayed with servicing everyone. The late reporting on my credit report should have never occurred. I am disputing to have the report removed from my credit. XXXX XXXX has rendered the worst customer service since my mortgage was transferred to them. They were very slow to assist but reported a late payment after I was told that they would not have under COVID-19. My credit has dropped 80 points and I would really appreciate the assistance.

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 2020-10-01 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: Conduent Incorporated
State: OK

Complaint narrative:
I have SEVERAL charges on my account for things I have not ever even used or heard of, Ive tried on multiple occasions to contact the card issuer they never answer the phone or just hang up and theres no way for me to file a dispute online, I have had over XXXX $ taken off this card and Ive tried numerous times to get help I dont know what else to do. I have pictures of how long Ive stayed on the phone and still no help. The main charges happened the months of XX/XX/20 & XX/XX/20 in the month of XX/XX/20 there were 3 separate charges 2 of those were in the amount of XXXX the other was XXXX and in the month of XX/XX/20 I had XXXX $ on there one day and the next it was all gone Ive canceled that card and already have my replacement but I need the money Ive lost

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: FL

Complaint narrative:
I made a complaint via CFPB XXXX about Experian reluctance to remove unverified accounts being reported on my credit file, instead of verifying and removing the accounts in question their response is to say they do not believe I am who I say I am and that they are not going to verify the accounts. I have sent copies of my drivers license and social security card which under FCRA is acceptable, my address is a P.O. box because currently I do not have a home and can not qualify for a home because of the unverified accounts being reported as mine, they are causing me tremendous financial and quality of life issues, If they would like a notarized letter stating that I am truly XXXX, I can do that. I have again uploaded all the letters, copies of ID, certified letter receipts.

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 2020-10-01 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: Granite Edvance Corporation
State: MA

Complaint narrative:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't Navient student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: WA

Complaint narrative:
I am aware of the heightened amount of Stall Tactics due to COVID-19, but I have verified that I am not a credit repair company, and I am sending this letter to dispute the following that I have included in this report. Please remove it immediately.

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 2020-10-01 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: WA

Complaint narrative:
I am aware of the heightened amount of Stall Tactics due to COVID-19, but I have verified that I am not a credit repair company, and I am sending this letter to dispute the following that I have included in this report. Please remove it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
never applied for these account

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 2020-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX I contact Bank of America and asked for a deferment on my mortgage due to COVID. They said that they would do a one month deferment and I would need to call back the following month to have it extended for another month. Well, I never called them the following month but the ended up doing a 3 month deferment for the XXXX, XXXX and XXXX payments and my next payment would be due on XX/XX/2020. XX/XX/XXXX came by and the regular automatic payments resumed and I thought I was done with the deferment/forbearance program. Then in XXXX they didn't draft a payment, so I made one manually. That payment went to principal only and not to Principal and Interest plus my impound account. I then realized that they had stuck me on ANOTHER deferment for XXXX, XXXX and XXXX and my next payment wasn't due until XX/XX/2020. So I called them and asked to to reverse that principal only payment and have it applied to my XXXX payment. Needless to say it wasn't done. So I called again and they said they can only do that if I cancel the forbearance/deferment program I am on. I told them to go ahead I made payments for the XXXX, XXXX and XXXX payments that were deferred. Well, they took the payments for those 3 months and applied it to Principal Only again. I called AGAIN and to have the forbearance/deferment canceled, which they finally did but they canceled it only for XXXX, XXXX and XXXX. They took all the payments that they had applied to Principal and reversed them and applied them to the XXXX, XXXX and XXXX payments making me due for XX/XX/XXXX again. What they should have done was applied the payments to XXXX, XXXX, XXXX, ( XXXX was already made ) and XXXX and had me due for XX/XX/XXXX. I called again and they said they will have my case manager call me on XX/XX/2020 at XXXX XXXX  but I never got the call. I don't know what else to do as I don't want to have my mortgage have a balance that is in deferment.

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 2020-10-01 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: MA

Complaint narrative:
How are you doing during this pandemic? Taking more than 60-90 days - i was not late. Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late on the days shown. Something is weird going on my account. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: EQUIFAX, INC.
State: MA

Complaint narrative:
How are you doing during this pandemic? Taking more than 60-90 days - i was not late. Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late on the days shown. Something is weird going on my account. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: MA

Complaint narrative:
How are you doing during this pandemic? Taking more than 60-90 days - i was not late. Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late on the days shown. Something is weird going on my account. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: MA

Complaint narrative:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

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 2020-10-01 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: MA

Complaint narrative:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company response to consumer: Closed with explanation