vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: TX

Complaint narrative:
Applied for Mortgage with Premia relocation mortgage in XX/XX/2022 Loan officer promised a rate under 4 percent but though out the process of application came up with one reason or the other to increase rate charge more points. including advising that I w qualified for loan and then changing qualification status and requiring second lender. 

Lender was reckless with our file and jeopardized the home purchase contract almost costing us our earnest money by delaying processing and changing qualification requirements even up to the week of closing. 

Lender waited to the last minute ( week of closing - couple days before closing ) to change qualification for loan and demanded an additional {$50000.00} in deposit for the loan. 

Lender unreasonably asked for documents that were not necessary including some that were already submitted. e.g lender asked for document showing approval for leave time and when provided lender accused me of falsifying document and demanded letter rom my manager for the same approval. Which was already provided Lender disclosed information about our loan to third party without our consent lender intentionally ignored attempt to communicate with them in the middle of the application process. did not return calls or emails or voicemails left. 

Multiple instances of providing documents asked for and then lender would change requirements and ask for a whole new set of documents. 

Lender changed terms of the loan multiple times even the last week of closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: OH

Complaint narrative:
I noticed that there are a few late pays the are showing 30 days. My income was impacted by the Pandemic Shutdown and I was looking to get some accommodations under the CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). to help protect the integrity of my credit. I was needing my following accounts XXXX XXXX  XXXX # XXXX to remove the 30 day status XX/XX/2021. I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile. I am in the middle of refinancing my home and this would definitely help impact my process in a positive way. I have also found a few unauthorized inquires on my credit file the I never done business or even requested to do business with these companies : 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 2022-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Excessive harassing calls to all my phone lines. I have XXXX lines and they call XXXX of those lines at least once a day. My daughter is special needs, they call her asking her questions. She was brave enough to tell them to stop calling a special needs person. They keep calling, she doesn't answer. They call my XXXX  mother, who does not speak XXXX, who is XXXX as well. It is too many calls everyday. They need to stop immediately. They use different phone numbers to get through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my two year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
On XX/XX/2022, {$350.00} was taken from my checking account at XXXX Bank. I received an email from Remitly Transfer on XX/XX/2022, that this had been done. I contacted the bank and canceled my account and opened a new one. 
On Monday, XX/XX/XXXX, I received a notice through XXXX XXXX that a credit card was opened in my name for the amount of {$1000.00}, through XXXX of Delaware. I called them and they canceled the card on XX/XX/XXXX. 
I received emails for many attempted purchases at XXXX XXXX, which I reported to them but shipping had already gone out already on the XXXX. Another purchase from XXXX. 
My Social Security number was compromised as well, most likely from my XXXX account which, I have changed the password on. 
A number of services and publications from XXXX  XXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX County of XXXX XXXX, and many more as such ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: PA

Complaint narrative:
I, XXXX XXXX, consumer in fact, opted out of sharing my personal and private nonpublic information from Equifax. I sent Equifax a " Privacy Opt Out Notice '' on XX/XX/2022. Equifax has been fraudulently disclosing my personal and private consumer information without my consent, which includes the six accounts listed on the notice. I am requesting immediate deletion off of my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TOWNE MORTGAGE COMPANY
State: IL

Complaint narrative:
I purchased my home on XX/XX/20. When I purchased my home, it was clear that my property taxes were ~ {$11000.00}. Last year there was a significant shortage with my escrow account and there needed to be an adjustment made. I am a XXXX  mother on a fixed income and my mortgage payment went from {$2400.00} to {$2900.00} per month. That put me in a very precarious position. 

I was told by XXXX XXXX and the person who works for her, XXXX, that given the adjustment, there would not be an issue again with my escrow being short because of the changes that were made. I looked at my escrow amount yesterday and there is only {$1100.00} in escrow but nearly {$6000.00} is due next month. When I spoke to XXXX today she said that they hadn't made a mistake and that there would be another significant shortage. I asked to speak to her boss and she told me she was unavailable. I asked to speak to the CEO and her reply was that, " He doesn't speak to customers ''. 

I do not have the money to pay the {$5000.00} difference and I can't afford for my mortgage to go up monthly AGAIN! 

The mortgage company should be responsible for the mistake and pay the difference now and ensure that the amount that I am currently paying will cover escrow going forward unless my property taxes increase. 

I have contacted the media about this company 's horrible and deceptive business practices. 

I would like your assistance in holding XXXX XXXX in XXXX, XXXX accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX I was contacted by a Social Security agent that was going to help me recover my stolen social # ( XXXX XXXX ). The man, XXXX XXXX sent me his badge & had my local police contact me that there was an investigation. I received this information on my phone while I was driving to a wedding. To freeze my accounts during this trial, I had to transfer some money to a federal account. I went to XXXX XXXXXXXX XXXX XXXX XXXXXXXX RI to do a domestic wire transfer of XXXX. The money was sent to an account in California. Bank of America The money transfer seemed to go out around XXXX on XX/XX/XXXX. The next morning I called the XXXX Police to confirm our conversation from XX/XX/XXXX. They said, I did not talk to them. Then, I knew I had been scammed. I called XXXX  XXXX XXXX XXXXXXXX and XXXX filled out a claim form to let Bank of America know the funds received was a fraud transfer. I talked to the Fraud department at XXXXXXXX XXXX XXXX Bank of America. On XX/XX/XXXX. I called the Wire transfer departments for both banks for the next 2 weeks. XXXX XXXX would not give me the claim #, would not tell me what happened to my money. All I was told was it was being investigated. They would not give me or allow me to talk to the XXXXnvestigator. Later I contacted the manager of my local XXXX XXXX & all he could tell me was XXXX recalled the money & told Bank of America to send it back. Bank of America for 2 weeks would not disclose any information to me because I didnt have an account there. The account in question XXXX XXXX XXXX was not my account. Yet, I have 2 credit cards with Bank of America and had a car loan with them that I paid back. So I went to my local Bank of America branch and talked to the VP. XX/XX/XXXX He arranged a call to the wire transfer depart oXXXX XXXX XXXX. We called & they would only disclose that they reached out to the account & no one called. The VP of the bank said to assume the money went into XXXX XXXX account. I have filed police reports, with XXXX XXXX XXXX police. After one month, XXXX XXXX XXXX through with their investigation. No information has been passed to me. XXXX XXXX the Asst. Manager XXXX XXXXXXXX XXXX XXXX  did give me the claim #. I should be able to know exactly where my money went & be told this info. I know there are date time and stamps put on wire transfers. Bank of America should have given specific info to the VP of the bank. Also, next steps should have been given to me by both fraud departments.

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 2022-07-12 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: VA

Complaint narrative:
We are not able to get coverage by our warranty company for an incorrect judgement in our file. We are the ones who won the judgement Not the ones given judgement against. Can not reach any one at credit reporting agency ( Experian ). We can not close sales without this and is about to close our business down due to their mistake.

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 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Someone applied for a credit card using the misspelling of my name and my current address. Because of the credit application, a Hard Inquiry is now on my credit report which brought my credit score down. I contacted the credit card company and they agreed with me that it was fraud because they had the misspelling of my name, they didn't have any other information on file for me not even my phone number, and they only had my address. They deleted the application under the misspelled name but they would not take off the hard inquiry. I contacted one of my consumer credit reporting agencies and they said they could not take off the hard inquiry until they get a letter to delete. Also, someone put in an change-of-address with the postal system under the wrong misspelled last name. This caused problems with my mail. I am not receiving my mail.

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 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Account # XXXX date is continuously changed to remain on my credit longer than Fed law allows. Each time I dispute the incorrect information the company moves it out even further into the future. 
In reference to Experian reporting : Report # XXXX shows account will be removed XX/XX/XXXX as a result of my XX/XX/XXXX dispute. 
Report # XXXX also shows XX/XX/XXXX disputed then moved date to XX/XX/XXXX Report # XXXX shows XX/XX/XXXX after dispute it was changed to XX/XX/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 2022-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I received a letter from Wells Fargo Bank letting me know someone tried to open an account in my name. I called them and they told me to report it even though they handled things on their end

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 2022-07-12 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 2022-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Management Services, LP
State: PA

Complaint narrative:
Capital management has contacted at a place where is it inconvenient for them to contact me which is a violation of 15 usc 1692c. Capital management has not received consent to contact me at my home. There is no law obligating them to contact me. It is inconvenient for Capital management to contact me at any time or place. Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX, local time at the consumers location ; Per cfpb complaint number XXXX, it was requested that I not be contacted or communicated with about the placement of this account. Capital management was specifically told to cease and desist as confirmed by their counsel. They have violated my request by sending another letter to my place of abode without my consent.

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 2022-07-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I have provided Experian with the FTC report, approved police report, proof of identity theft alerts from XXXX and they have failed to properly investigate these matters and delete the information from my credit report which is adversely affecting my ability to obtain credit. Additionally, they have failed to disclose their method of verification per FCRA laws. As such, I am hereby demanding for the following fraudulent account along with the three unauthorized inquiries listed below to be immediately deleted from my credit report : XXXX. Account : XXXX Bank XXXX. XXXX : XXXX XX/XX/2022 XXXX. XXXX : XXXX XX/XX/2022 XXXX. XXXX : XXXX 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 2022-07-12 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: MI

Complaint narrative:
Ever since I had an email disagreement with Experian CEOs XXXX XXXX and XXXX XXXX, My Experian Credit report has been manipulated in a negative way and inconsistent with my XXXX and XXXX reports. I have been keeping meticulous records and there's no doubt my report has NOT been reporting properly. A few of the tactics used : Positive information would be delayed for a week or longer and sometimes never updated. Inconsistent with XXXX and XXXX. Today my score dropped XXXX pts, yet the only changes to occur were POSITIVE. 
1. Balances decreased by a large amount I would like Experian to attempt to explain how my balances could drop from XXXX  % to XXXX % which is a huge drop considering credit available compared to credit used is XXXX % of an individual 's score. No other changes took place in the 24 hours between XX/XX/2022 my score was XXXX to XX/XX/2022 my score drops to XXXX : my scores with XXXX and XXXX increased during that time with the identical information. 
Now Experian will likely provide their typical XXXX response by claiming the scoring process is determined by a number of factors etc... However, there is no logical or plausible reason for a persons debt to ratio to drop from XXXX XXXX to XXXX XXXX and with no other negative information added that their credit score drop.

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 2022-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
Ive been contacting National Credit Systems about them saying that I owe money for a place that I do not live at. Ive asked them for a copy of the lease, and information about what I owe. They just say I have to pay the debt. They will not give me any information about what is going on with the debt. Ive been asking for proof, copy of lease, copy of utilities something saying that I supposed lived there. Ive been trying to find answers from them n keep getting the run around. I had to call them to even find out what was going on with this debt. They are rude n hang up on people too. Say I owe {$470.00} XXXX apartments at XXXX. 
I contacted them. They never contacted me about this. 
2019 I need proof. Thanks

Company response to consumer: Closed with explanation