vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fairway Independent Mortgage Corporation
State: CA

Complaint narrative:
On XX/XX/21 Fairway Independent Mortgage sent a loan estimate for XXXX more than the loan estimate they sent on XX/XX/21. I was told it would get fixed but the lender would not answer my phone calls. He would only respond by text. I acquired a preapproval from another lender. I contacted Fairway on XX/XX/21 and notified them of what the other lender had offered. At this point we were 2 weeks away from close of escrow. On XX/XX/21 Fairway Mortgage called and said they were able to get our loan to 3.125 %. they got XXXX on the loan, our payments were going to be XXXX per month including XXXX fees and our cash to close would be XXXX XXXX we had already put down. Fairway Independent Mortgage employee XXXX XXXX called me on XX/XX/21 at XXXX and gave us this offer. At XXXX on XX/XX/21 I text XXXX XXXX to verify that the XXXX we had already deposited was to be subtracted from the XXXX he said yes. The loan estimate I received on XXXX higher then what XXXX XXXX had told me on the previous day. I was told he was aware and was working on getting it fixed. Then on XX/XX/21 at XXXX I received an email from XXXX XXXX at Fairway Independent mortgage. He said he was handling our loan since XXXX XXXX was on vacation. XXXX XXXX XXXX then told me that we would need to put another XXXX in cash to get the loan approved. XXXX XXXX XXXX also told me that the cash to close amount of XXXX included the XXXX deposit we had already put down. So the cash to close amount went from XXXX on Sun to XXXX on XXXX. Fairway Independent Mortgage said they knew their employee was giving out numbers that they were unwilling to uphold and did nothing about it. This gives us 1 week to get new funding for escrow. XXXX XXXX XXXX told me they would not honor their employee 's numbers. It feels like blackmail and they are forcing us to either pay the additional XXXX or move back our closing which costs us money and frustration to get everything else moved back. 
I have saved all communications between Fairway and myself. Email and texts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My social security number has been compromised. I am a victim of Identity Theft ORIGINALLY REPORTED and announced to all credit reporting bureaus as of XXXX. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following company NAVY FCU was notified in that I have not done business with them or opened an account. The account was removed and in XXXX a new account shows up as opened in XXXX. The following account does not belong to me and is a result of fraud that I did not authorize : NAVY FCU - not my account, never done business with this company. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this account must be removed within 4 Business Days of receipt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I, XXXX XXXX, along with my financial consultant Mrs. XXXX, contacted the company named Naviant the SECOND alleged collection agency for my bank XXXX XXXX XXXX XXXX XXXX. The First agency sent me a letter confirming that the Debt was paid off and there was a XXXX Balance. I went back to the Bank XXXX XXXX to attempt to reopen a bank account for myself so that I could do business but on my return, the bank again said No because I still had an outstanding balance with the SECOND debt collector Naviant, and I would have to contact them to settle the account. I contacted Naviant and told them that I received the letter from the First collection agency for the bank and that I was not understanding how there were two collection agencies for this one bank. I asked them to check their files and see if there were still any outstanding balance and if this letter covered that amount as well. That initial contact was around XX/XX/XXXX ; from that date until XX/XX/XXXX ; I heard nothing from Naviant in regards to their investigation. Meanwhile, I am being prevented from being able to do any banking due to this alleged outstanding balance. So, I wrote to them on XX/XX/XXXX informing the company that they were not in violation of the Fair Debt Collection Practice Act ; and other consumer protection laws and that they also needed to send me a letter that this debt was not owed because any alleged debt owed to them or XXXX XXXX  is BEYOND THE STATE OF LIMITATION for enforcement of that alleged debt. I and Mrs. XXXX contacted Naviant again today, XX/XX/XXXX. I gave them permanent authorization to speak to Mrs. XXXX in reference to the alleged debt and any information they came up with and the Rep. said that they would contact Mrs. XXXX, by the end of business day today, in reference to her findings. Also, this rep stated that they sent to the XXXX XXXX ( 2 ) request for validation & notice of my debt challenged and they have heard nothing from XXXX XXXX yet in over ( 2 ) months, well beyond the required legal limit to respond when a consumer challenge a debt. This is ridiculous and complete Unsavory & Bad Business Practice and his hurting my business and unlawfully preventing me for participating in Commerce & unfairly & unreasonably preventing and obstructing me from the Financial Banking world.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: MD

Complaint narrative:
I was on a forbearance plan, I bought myself completely current and told customer service to take me off the forbearance XX/XX/2021. 
They told me it takes 24 hours. As of today I am still current on my payments, working and still on the forbearance. I want Amerihome Mortgage Company to stop reporting the wrong information on my loan. Please put my account back into good standing and most of all release me from the forbearance plan as of the day my account was paid and current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: NV

Complaint narrative:
I am writing this due to non-compliance with the Transunion, XXXX and XXXX They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law by failing to maintain the accuracy of my personal information. 

I have made several attempts at correcting this matter. They have ignored my request to investigate.

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 2021-07-02 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: NV

Complaint narrative:
I am writing this due to non-compliance with the XXXX, Experian and XXXX They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law by failing to maintain the accuracy of my personal information. 

I have made several attempts at correcting this matter. They have ignored my request to investigate.

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 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello and I hope you all are doing ok. Im reaching out to you all to let you know I went to apply for a XXXX with the bank and was not offered the XXXX because of my credit. They advise to me take a look at my credit to see whats going on and I did that I saw some items on there that I dont know nothing about XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX. I reached out to the FTC and filed affidavit. Im doing this on my own. I also saw where a few people ran my credit XXXXXXXX XXXX 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 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello and I hope you all are doing ok. Im reaching out to you all to let you know I went to apply for a XXXX with the bank and was not offered the XXXX  because of my credit. They advise to me take a look at my credit to see whats going on and I did that I saw some items on there that I dont know nothing about XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX. I reached out to the FTC and filed affidavit. Im doing this on my own. I also saw where a few people ran my credit XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello and I hope you all are doing ok. Im reaching out to you all to let you know I went to apply for a XXXX with the bank and was not offered the XXXX  because of my credit. They advise to me take a look at my credit to see whats going on and I did that I saw some items on there that I dont know nothing about XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX. I reached out to the FTC and filed affidavit. Im doing this on my own. I also saw where a few people ran my credit XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-07-02 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: TX

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused XXXX injury and XXXXXXXX XXXX XXXX along with XXXX plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was taking a look at my credit and saw several accounts on my credit that I dent know anything about. I need someone to help me with this becasue I dent know what to do now XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and there is another account with no name but the account number XXXX. I also saw where a lot of people ran my credit and Im just seeing this and I did tell them to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I reached out the FTC and Im doing this on my own for really ask for your help.

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 2021-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
LVNV FUNDING is harassing me about a debt that I dont not owe and Ive never did business with LVNV FUNDING so why are they contacting me that is a violation under 15 usc 1692d and 15 usc 1692c and they sent me letters with their company logo on it and that is a violation under 15 usc 1692f ( a ) and they are also charging me different amounts that violates 15 usc 1692c 15 usc 1605 ( A ) 15 usc 1692 f ( 1 ) Ive sent them a debt validation letter requesting the 5 components to validate I owe this debt and to show me proff of a contract that I have with them along with proof of who the true creditor is, I expect to receive that. I also sent out a cease and desist letter as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: TN

Complaint narrative:
After reviewing my credit report and understanding that based on 15 USC 1681 any inaccurate information needs to be removed. The credit bureaus are not making sure that they are getting these inaccuracies off my credit report. As a consumer I have a right to have all alleged fraud or unverified items off my credit report but yet the Credit Bureaus is not taking this matter seriously. I have attached a copy of my ID and my FTC 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 2021-07-02 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: TN

Complaint narrative:
After reviewing my credit report and understanding that based on 15 USC 1681 any inaccurate information needs to be removed. The credit bureaus are not making sure that they are getting these inaccuracies off my credit report. As a consumer I have a right to have all alleged fraud or unverified items off my credit report but yet the Credit Bureaus is not taking this matter seriously. I have attached a copy of my ID and my FTC report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC

Complaint narrative:
I have been contacted multiple times over the past three weeks by Wakefield & Associates to collect a debt that I paid off months ago with a payment plan from another debt collection agency. They have called me 12 times in the last week between the hours of XXXX and XXXX when I am at work and can not take phone calls, and 41 times in the last three weeks. When I try to call back, I either get no answer or the line is disconnected. I have expressed multiple times to not call me during my work hours, and that I have paid this debt, but they continue to call me during hours that I can not pick up the phone. They have harassed and threatened me over a debt that has already been paid. I paid this debt in full almost six months ago, and it is getting to the point that it is causing me mental distress to get these phone calls, as the debt was from a very traumatic medical experience. I do not have any other debt than student loans at this moment and I do not know why I continue to get called and harassed by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
After reviewing a copy of my credit report and I realize that as a consumer Portfolio Recovery is violating my rights. They are defaming my character and harassing me according to 15 USC 1692d. They are harming my life and my future. As a consumer I have every right to make sure that my rights are not violate, but yet they are being violated. They continuously communicate with me at an inconvenient time about this alleged debt which is another violation according to 15 USC 1692c. I have attached my ID to help identify me and my FTC report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02 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: CAINE & WEINER COMPANY, INC.
State: IN

Complaint narrative:
After reviewing my most recent report, I discovered some items for which I had never applied or received any correspondence. A bill sent without a signature does not suggest that the debt is legal, and anyone can claim ownership of a bill. Be warned that this is an effort to violate FDCPA 1692, which is a federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: AZ

Complaint narrative:
I previously submitted complaint # XXXX about this same debt. Now Im being contacted by a new company stating that my account is subject to resumption of collection efforts. This debt is over 10 years old. How do I stop this harassment?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was taking a look at my credit and saw several accounts on my credit that I dent know anything about. I need someone to help me with this becasue I dent know what to do now XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and there is another account with no name but the account number XXXX. I also saw where a lot of people ran my credit and Im just seeing this and I did tell them to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I reached out the FTC and Im doing this on my own for really ask for your help.

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 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was taking a look at my credit and saw several accounts on my credit that I dent know anything about. I need someone to help me with this becasue I dent know what to do now XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and there is another account with no name but the account number XXXX. I also saw where a lot of people ran my credit and Im just seeing this and I did tell them to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I reached out the FTC and XXXX doing this on my own for really ask for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: I.C. System, Inc.
State: IN

Complaint narrative:
After reviewing my most recent report, I discovered some items for which I had never applied or received any correspondence. A bill sent without a signature does not suggest that the debt is legal, and anyone can claim ownership of a bill. Be warned that this is an effort to violate FDCPA 1692, which is a federal law

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 2021-07-02 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: CL Holdings LLC
State: IN

Complaint narrative:
After reviewing my most recent report, I discovered some items for which I had never applied or received any correspondence. A bill sent without a signature does not suggest that the debt is legal, and anyone can claim ownership of a bill. Be warned that this is an effort to violate FDCPA 1692, which is a federal law

Company response to consumer: Closed with explanation