vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: NV

Complaint narrative:
Mr. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX, NV XXXX XXXX XXXX Loan Depot XXXX XXXX XXXX XXXX, NJ XXXX Loan Number : XXXX Dear Sir or Madam I have received your monthly invoice concerning the XX/XX/2021 payment change. 

In the invoice you have included demands to increase my monthly payment to {$2400.00}, an increase of {$190.00}. This raise in my monthly payment is due to the addition of 2 items, a Hazard Insurance policy and payment of my County Tax to be included in my monthly payment. 

You have mentioned in your demand that there is shortage in my payment. I have reviewed this statement and I did not find any shortage. You have made a false statement to justify your demands. 

I neither asked for the Hazard Insurance policy nor do I want the insurance policy. 

Regarding you paying my County Tax, I want to continue paying the County Tax myself. In fact, you have the wrong amount of County Tax due in this payment year because I receive a discount in the County Tax. My discount is because I am a XXXX veteran and XXXX XXXX  XXXX due to my XXXX XXXX XXXX XXXX in the XXXX war. 

I, hereby reject both your demand for an increase in my monthly payment for a Hazard Insurance policy and including my County Tax in my monthly payment. 

I will continue to pay only for the principal, escrow, and interest. 

I resent your false statement and your demand for trying to increase my monthly payment for items I did not request; therefore, I intend to make a complaint to the Consumer Financial Protection Bureau concerning your unwanted, unrequested, and possibly illegal intrusion into my personal affairs. 

Yours truly, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am hoping you can help me with my issues I am having with some creditors. I have a debt with both Kohl 's and XXXX XXXX. On XX/XX/2021 I called both companies to resolve my debt with them when they asked me for the last four of my ssn ( XXXX ) I gave it to them. They told that wasnt my ssn. Well that odd because that it too my ssn. It confusing to me that both company do not have the right information. If they have the wrong information how can they be reporting to my credit?. They refuse to help me because of this mix up which is not my fault. I am at a lose as to what to do on this. I have attached my SSN card and Driver License to prove who I am.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, I worked for a mortgage lender, XXXX XXXX XXXX, NMLS # XXXX from XXXX - XXXX and from XXXX - XXXX. On XX/XX/XXXX they furloughed me when I had a 67 loans in process. I asked them to pay me for my loans, and they refused. I was even willing to accept a {$15000.00} lump sum for my loans which would have paid over {$40000.00} had they not furloughed me and Impac became very aggressive and cruel with me. Their legal department made threats and accusations against me and even tried to get me fired from my job at Owning by reaching out to the owner of Owning and requesting that he fire me. This company is very shady and I do not want them to get away with what they did to me and many other employees. Furthermore, they need to compensate me for the loans they never paid me for. Please see the attached emails between myself and Impac 's HR and counsel.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The 3 Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting a charged-off account to TransUnion that I was never responsible for. I was only an authorized user of the account and now that it has charged-off, I can't be removed from the account. This is hurting my scores and making it impossible for me qualify for a loan.

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 2021-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: WY

Complaint narrative:
I recently purchased a used vehicle, and the dealer recommended I use TD Auto Finance as the lender. After securing the loan, I enrolled in TD Auto Finance 's Auto Pay Program, and received confirmation via letter of the same shortly thereafter. The letter in part described that " We will deduct {$1100.00} for your TDAF account beginning with your XX/XX/2021 payment and on the XXXX day of each month after that ... '' Subsequently, I received the SAME exact form letter every single day for the next 2-3 weeks in the mail ( and are still receiving said letter ). I contacted customer service at TD Auto Finance and inquired as to why this was occurring, and to ensure that there was no issue with my upcoming XX/XX/2021 payment. The representative at that time said I was one of several calls she had received that week with the same issue, being multiple form letters received in the mail. She assured me this would cease. It did not. Of a more serious nature, however, is that the payment was never deducted as agreed. On XX/XX/2021 I telephoned TD Auto Finance customer service again and inquired as to whether the issue was on my end. At which time I was advised that it was an internal software issue, that multiple debtors were affected, and I would be assessed a late charge for failing to make the payment on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
caine & wiener send me a letter about collection of XXXX was over paid to my company from XXXX XXXX XXXX i called the caine & and wiener and spoke the person XXXX  i asked her to how do i owe this company money and asked her statement. on XX/XX/2021 she send me statement i called her and asked her to show me over payment made to my company and explain to me, she unable to explain to me, she said call company directly, i told her ur collection agency u suppose to explain to me she was unable to explain to me and hangup the phone collection agency REF # IS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: WI

Complaint narrative:
I received a letter from debt collector, Unifin. I called Unifin because I am in complete disagreement that I owe any debt. Unifin told me that they had no information regarding the debt other than they were directed to collect the debt. The debt description was " XXXX '' on the letter, I called XXXX to research and understand the debt. XXXX went through their records and found that I have NEVER owed any money to XXXX, there has never been any debt owed from me to XXXX. So I called XXXX XXXX who claimed to have purchased the debt from XXXX and then redirected the debt to Unifin. XXXX XXXX was adamant that I owed them the debt and that regardless what XXXX said, my debt had been sold to XXXX XXXX. XXXX XXXX claims they sent me a letter in XX/XX/2021 to collect the debt and I never responded. So now in XX/XX/2021 I received a letter from Unifin to collect the debt. I immediately reached out to Unifin to understand what the debt was all about. 
I completely disagree with this debt and collection - I have no credit with XXXX, never have. I believe XXXX XXXX is acting fraudulently claiming I owe debt that I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: First Technology Federal Credit Union
State: CA

Complaint narrative:
I've already told First Tech Federal Credit Union that I have a pandemic-related financial hardship. Why First Tech Federal Credit Union is still charging me late fee and reported the late to my credit report? 
They waived the late charge but they didn't correct that late payment to my credit report according to https : //www.consumerfinance.gov/coronavirus/mortgage-and-housing-assistance/help-for-homeowners/learn-about-forbearance/

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: KY

Complaint narrative:
1. In XX/XX/2021, I refinanced my home. I have an escrow balance of {$4500.00} that is rightfully owed back to me from Specialized Loan Services. As part of the refinancing process, this should have automatically been mailed back to me when the loan was paid by the new loan holder.

2. In XXXX, I had not received the check and called to inquire. They indicated the check had been mailed, so they'd have to cancel the check and issue a new check. This process should take around 10 days. That same day, the check came in the mail. I called to ask if they could reverse the check cancellation. They indicated they could not and I should destroy the check. I did this. 
3. Thinking that the check from XXXX was on its way, I waited until XX/XX/XXXX to inquire again. The company indicated the check from XXXX had not been cancelled and someone was supposed to have called me to let me know the XXXX check was cashable. This did not happen. 
4. On XX/XX/XXXX, XXXX ( employee ID XXXX ) indicated he would assign the case to himself and update me with a tracking number for the new check by XX/XX/XXXX. 
5. On XX/XX/XXXX, I called and XXXX indicated " there had been a change in company policy '' that would not allow him to track this case. My understanding is that no check has been issued. Before I could get more details, he hung up on me, or I was disconnected. 
6. I called back and spoke with XXXX ( employee ID XXXX ) who indicated the same information as XXXX on XX/XX/XXXX- the case has been escalated and her notes request a wire transfer or certified mail so the check is traceable. She indicated this would take another 15 days to resolve and that she would call me on XX/XX/XXXX to update me on the status. This appears to directly contradict what XXXX said about the company policy that no longer allows for cases to be assigned to specific agents for resolution. I also requested a supervisor call back, which takes 24-48 hours.

6. No one has been willing to provide a direct number or email to call back to. The phone tree makes it difficult to reach a human person. I have called 11 times and only been able to connect 6 of those times. I have spent approximately 8 hours working on trying to get this resolved.

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 2021-10-15 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:
EXPERIAN INFORMATION SOLUTIONS INC. claims to need my authorization to proceed with my block demand. However, without my authorization and consent placed a fraud alert after receiving my FTC report dated XX/XX/XXXX. This further proves that EXPERIAN INFORMATION SOLUTIONS INC. acknowledges fraudulent activity, however ; they failed to address the points in my report within 5 business days of receiving the report on XX/XX/XXXX. EXPERIAN XXXXNFORMATION SOLUTIONS INC. does not know who I am yet they compile and furnish my nonpublic personal information without permissible purpose for their own financial gain which is inequitable for me as the consumer. I have provided and have reattached the necessary documentation for demanding a block of my information. 

In addition, the 6 fraudulent alleged accounts are not even reporting accurately. As you can see they do not have accurate payment history because payment history does not even reflect from when these alleged accounts even opened. As you can see the alleged accounts were allegedly opened on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX but do not have such payment history before XX/XX/XXXX. The alleged accounts based on Experian Information Solutions INC. 's rubric for payment history reports as data unavailable for the year of XXXX up until XX/XX/XXXX which proves they are reporting information that they have not validated and have no knowledge of. Then after reporting data unavailable have the alleged accounts reporting in collection and never reflects being allegedly late. In order for any account to go into collections, it would have to be late first. As you can see the alleged accounts have been reporting as closed and in collections so why is payment history still reporting to the alleged account. 

As a result of EXPERIAN INFORMATION SOLUTIONS INCs inaccurate reporting on my consumer report, I have been subjected to higher than normal interest rates and fear of applying for credit because of potential to be denied based on being portrayed as not being credit worthy.

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 2021-10-15 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: LA

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Haws, Inc. d/b/a Loan House
State: CA

Complaint narrative:
An advertisement from the wholesale lender, Loan House, based in Florida appears to offer a referral fee to brokers while advertising " NO YSP Disclosure / NO Failing QM. '' As a mortgage compliance professional, this type of arrangement looks like payment for referral and a classic violation of RESPA, section 8. I am submitting this complaint as a concerned member of the mortgage lending community.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: One Source Technology
State: CO

Complaint narrative:
My consumer report ( background check ) lists my offense but does not list the date of conviction. This report does not give the potential employer any idea how long ago I was convicted or served my sentence. Its important for people to know how long in someones past they were a bad person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am hoping you can help me with my issues I am having with some creditors. I have a debt with both XXXX XXXX and Home depot. On XX/XX/2021 I called both companies to resolve my debt with them when they asked me for the last XXXX of my ssn ( XXXX ) I gave it to them. They told that wasnt my ssn. Well that odd because that it too my ssn. It confusing to me that both company do not have the right information. If they have the wrong information how can they be reporting to my credit?. They refuse to help me because of this mix up which is not my fault. I am at a lose as to what to do on this. I have attached my SSN card and Driver License to prove who I am.

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 2021-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
Lack of credit for loan. I am XXXX. I have been on SSDI forever. I had been working on gaining credit before but then when I got married XXXX XXXX, government took over half my check. So tell me how am I supposed to build my credit further. So regardless of the fact that I have a good score and almost the total amount needed in my account already. Still denied. Their system is completely biased against those with low income and in poverty.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
I submitted a complaint and the mortgage company says they did not receive 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 2021-10-15 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: FL

Complaint narrative:
I was checking my credit report and I saw that my credit score is low. I have no idea why I see that information on my account. I didn't applied for anything. I believe that someone used my personal information

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 2021-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NV

Complaint narrative:
I received 30+ calls from an automatic system from ERC this week. I spoke with XXXX XXXX and she attempted to collect 3 debts at the same time, and she gave me information about those accounts without verifying my identity before providing that information. 
Following account information was provided to me by XXXX XXXX : XXXX XXXX ( Ref : XXXX ) with a balance of {$2000.00} and with last 4 of social XXXX in that account. 
XXXX ( Account # XXXX Ref : XXXX ) with {$450.00} and last 4 of social in that account XXXX. 
XXXX XXXX XXXX with last 4 of social XXXX. 
After sharing with XXXX my intention of filing this complaint, I got transferred to XXXX at the office of the president, XXXX started asking for information without notifying me of her attempts to use all the information obtained to collect a debt. 
I explained XXXX that I been harrassed getting several call repetitive and in an inappropriate way. XXXX offered to to place the accounts in Fraud status but I inquired why I should place an account that doesn't have my social security but XXXX refused to answer my question. At the end she started that those are my account without verifying the validity of those account and not having present that the social and address on those account doesn't match with my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the list of the erroneous inquirie reporting on my Credit Report : XXXX XXXXDate of Inquiry : XX/XX/2021 2021

Company response to consumer: Closed with explanation