vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CONTINENTAL MORTGAGE BANKERS
State: NY

Complaint narrative:
Company = Continental Mortgage Bankers INCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I tried very had to lock the rate in XX/XX/2022 XXXX week when the rate was XXXX XXXX, however the Loan XXXX XXXX XXXX at Financial Equities XXXX was unreachable and never provided clarity. 
When the close was scheduled on XX/XX/2022, he offered XXXX XXXX rate with some buy down points. And claimed that this is the best, no explanation. Again unreachable, he used to fwd phone msgs, wothout direct talking or clarification. 

Hence, I was sold a loan with interest rate XXXX XXXX higher what I could have got, when I wanted to XXXX. At the closing day, the closing attorney of bank made me sign back-dated ( XX/XX/2022 ) document I was made to sign at closing XX/XX/2022. This document states that rate is yet to be determined. On questioning this issue, at closing, XXXX XXXX was not available nor his office. Closing Attorney representing the Bank said he can not do anything here. 
So only choice for me was to sign the back-dated old document or NOT close. 

XXXX XXXX at Financial Equities, gives big promises in the loan application process, however once the process starts and time comes to lock rate and closing arrives, he would be not reachable via phone/email. He will provide a high interest rate and obligate to buy down discount points. Will not entertain market fluctuation of change, previously promised. Mandates to sign back dated document at closing or can not close. There is no alternate manager or contact at Financial Equities who can help. No one at closing department or any departments at Financial Equities will respond, unless they need documents from the applicant. In any case the loan will be sold to a large bank or financial institution before 1st loan payment. 

XXXX XXXX also made excuses of unavailability with no alternate contacts by saiying XXXX XXXX XXXX, when the office/underwritter/loan-assistants was unaware of such an issue. He makes some imposer call from unidentified number called XXXX XXXX who just tries to talk non-sense and justifies the wrong doings during the process. 

This feels like harrassment. 

Horrible experience, waste of Time and efforts, very stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: MS

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. These items found within my credit report are not related to any transactions that I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character. Please give me help with this matter! 

UNKNOWN ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
To Whom it May Concern : The problem we are having with our mortgage is that after making mortgage payments on our house for about 24 years now it seems from the statements we are receiving that right now we owe about twice what the price of the home was when we bought it! 
We have repeatedly requested an accounting for this from Fay Servicing however they will not provide the information requested. They told me over the phone that there were too many documents for them to deal with. They raised our monthly payment significantly but will not provide any explanation for the increase or why the balance is so high. 
Our mortgage has been passed around to about 5 different companies over the years. I think there is a real possibility that distortions in the amount owed have occurred with each transfer. These other mortgage companies need to provide some accounting for their actions as well. I think the account needs to be audited all the way back to the beginning because something is definitely wrong. We are hoping that the CFPB can assist us with determining what has happened to our investment in our home. We will be happy to work with you to resolve this issue. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: PA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2022-10-17 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: PA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2022-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC
State: CO

Complaint narrative:
CB Indigo on 2 different occasions has posted a hard inquiry to my name and credit reports that I did not apply nor complete an application for. I have contacted them twice on XX/XX/XXXX and today, XX/XX/XXXX. They have not removed these hard inquires and are continuing to allow someone to file online applications knowing full well that this is someone trying to steal my identity. This company has done nothing to assist in removing or blocking these actions, and refused to provide me a number to their Fraud department to resolve this issue. This is a fraudulent company that needs to be fined and put out of business. 

CB Indigo inquires on XX/XX/XXXX and XX/XX/XXXX Institution Information CB INDIGO XXXX XXXX XXXX XXXXXXXX, OR XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
I WAS CHARGED EXTRA FEES FOR A WIRE TRANSFER {$300.00}. THE GENTLEMAN BEHIND THEN COUNTER CHARGED ME {$100.00} TO WIRE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
My loan service company XXXX XXXX in XXXX advised me via email, they were transferring my loan service to another company. 
I waited for who to pay my XXXX payment. I paid XXXX XXXX XXXX in XXXX on time. I received no notification of who I should pay. I emailed XXXX XXXX XXXX and they told me via email to pay XXXX XXXX as they are now my loan servicing company. 

Shellpoint claimed in XXXX they are the loan servicing company. Shellpoint said they sent me a welcome letter which I never received. If I would have received the letter I would not have emailed XXXX to find out who I should pay for the XXXX payment. 

I advised Shellpoint in XXXX that I paid XXXX XXXX as instructed by XXXX XXXX XXXX. XXXX took 2 months to verify that I paid XXXX XXXX and on XX/XX/XXXX they received the payment from XXXX XXXX. 

My complaint I asked Shellpoint to send me the welcome letter or any letter stating they are the loan servicing company. Shellpoint never sent the Welcome letter I requested. They also never showed me that they sent any letter to XXXX XXXX XXXX stating they are loan servicing company for my loan and to rectify their error. XXXX never notified me that Shellpoint is my loan servicing company. 

Shellpoint severly damaged my credit report by not taking immediate action to verify that I did pay XXXX payment as stated in the XXXX loan email. 

I tried to call Shellpoint loan servicing all they said they don't take calls. Their customer service advice I should send them all three credit reporting agency my credit reports. Shellpoint has that credit information. Shellpoint was trying to get to accept their interpretation of ruining my credit by not talking to me. 

Shellpoint has the community loan email instructing my payment be made to XXXX XXXX, my canceled check to XXXX XXXX, but what I do not have from Shellpoint any official notification that XXXX transferred the loan to Shellpoint. I know Shellpoint did not contact XXXX nor did they send me an official notification. Shellpoint should have reached out to XXXX XXXX that they gave XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX gave me the wrong loan servicing company. 

I do know that Shellpoint is now acting as my loan servicing company with no proof from XXXX that my loan was transferred to Shellpoint not XXXX XXXX as told to me by XXXX XXXX XXXX. 

I spent 7 years a perfect on time payment record with XXXX. I built my credit score to XXXX. Shellpoint erroneous notified the credit bureau of late payments and my score dropped to XXXX. I can not get loan for my sons school or even any type of loan with that score. There were very serious damages to me, by Shellpoint destroying my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXXXXXX XXXX/ dept OF ED : XXXXXXXX XXXX/ DEPT OF ED : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
Updated report : After this transfer, I connected another bank to my XXXX account and initiated a smaller transfer of {$39.00} on XX/XX/22. This has also not been delivered to my external bank. 

As it stands the entirety of my account with XXXX is inaccessible. With no support or ATM card available from XXXX  my money is stuck in a limbo. I intend to close my account, but I can not trust them to successfully transfer my entire account if they can't even transfer {$130.00}. This is unacceptable. 

Previously reported : XXXX switched banking partners from XXXX XXXX  XXXX New York Community Bank ( NYCB ). After this change was announced, I was forced to deposit my funds to NYCB because the external accounts transfer feature was not working. After creating my NYCB account through the XXXX portal on XX/XX/22, I initiated a small transfer of {$100.00} to an external account on the same day, XX/XX/22. After nearly 2 weeks, those funds have not been delivered and XXXX has provided no support in the matter. The customer facing agents say they escalated the case, buy my {$100.00} is still missing. I have already contacted my external bank and there is no indication of a deposit from XXXX. The funds were never received by the external bank and therefore not received by me. XXXX continually dismisses the issue and says it is not their problem, yet they do not have an escalations or fraud department for me to speak to directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
In XX/XX/2022 I received a notification from the CHASE bank that my account XXXX with {$38000.00} was closed. I called the bank at that time and they told me I was going to receive by mail a check with the funds and that I had to wait a maximum of 90 days. So I waited, but nothing arrived. Calling the bank again in XXXX they told me that I had to go to the branch to give more information about two transactions I received in the account. 

On XX/XX/XXXX I went to the XXXX, Texas branch and sent by email the requested transaction receipts to the banker XXXX XXXX. He said he received the email ok and that he will send this information to the bank and that I had to call the bank again in 2 or 3 days. I called the bank on XX/XX/XXXX and they said they have not received any update until now. 

I urgently need my money back. 

Thank you. 
Kind regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
COMENITY BANK/NY & CO stated that they would remove this negative account/information once paid in full. This account was paid in full in 2015. This debt is CURRENTLY being listed as CHARGED-OFF debt, when in fact it should state " PAID OFF '' debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Over the summer, XXXX was involved in and admitted to errors on credit scores that directly impacted me. I filed claims and spoke directly with them to have any negative entries removed from my report. They complied and removed the entries. I wish to file claims for the deletions removed from my accounts and have the information regarding each deletion with a confirmation number. The deletion confirmation numbers are : # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX I am requesting the other credit reporting companies to follow suit and remove all negative postings on my credit report as XXXX has. Under CFPB I am entitled to {$1000.00} per entry removed and looking for CFPB to have them follow the laws in place to protect consumers and confirm that negative entries were removed from all 3 credit reporting companies : XXXX, TransUnion and XXXX. 

Also my name is listed as XXXX XXXX. My name is XXXX XXXX. I resumed my maiden name in XXXX and have attached my name change document. I have no idea why anything would have that name in XXXX. I NEVER used the name XXXX XXXX. As the attached document states I used XXXX XXXX ONLY when I was married. My name should appear only as XXXX XXXX. I also do NOT want my address or phone number listed on ANY report or record.

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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Over the summer, XXXX was involved in and admitted to errors on credit scores that directly impacted me. I filed claims and spoke directly with them to have any negative entries removed from my report. They complied and removed the entries. I wish to file claims for the deletions removed from my accounts and have the information regarding each deletion with a confirmation number. The deletion confirmation numbers are : # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX I am requesting the other credit reporting companies to follow suit and remove all negative postings on my credit report as XXXX has. Under CFPB I am entitled to {$1000.00} per entry removed and looking for CFPB to have them follow the laws in place to protect consumers and confirm that negative entries were removed from all 3 credit reporting companies : XXXX, XXXX and Experian. 

Also my name is listed as XXXX XXXX. My name is XXXX XXXX. I resumed my maiden name in XXXX and have attached my name change document. I have no idea why anything would have that name in XXXX. I NEVER used the name XXXX XXXX. As the attached document states I used XXXX XXXX ONLY when I was married. My name should appear only as XXXX XXXX. I also do NOT want my address or phone number listed on ANY report or record.

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 2022-10-17 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: FL

Complaint narrative:
This was not sent in error i am a consumer by law and my information is miss used and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my 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 non-monetary relief
Consumer complaint received 2022-10-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I booked a flight using Capital One credit over Capital One Travel Portal for my wife, my daughter and I from XXXX to XXXX. Within 24hrs of booking this flight, I approached to airline and Capital One travel center but both of them denied cancelling and issuing full refund. Both told me that the type of ticket I selected couldn't be cancelled, or rebooked although it is against DOT policy. 
I booked a flight in US using US travel partner of a US based bank and US issued credit card. DOT policy must apply to my situation and they should have let me cancel my flight within 24hrs without any fee. Unfortunately, I couldn't cancel flight and I lost almost a XXXX dollars- I attached a snapshot of the flight booking receipt containing points I used and remaining portion I paid with credit card. In addition to that, I attached my credit card statement. 

Policy summary : hold a reservation at the quoted fare for 24 hours without payment or allow a reservation to be cancelled within 24 hours without penalty ( the 24-hour reservation requirement ).

Company response to consumer: Closed with explanation