vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC
State: CA

Complaint narrative:
I have a XXXX home loan and My loan is with XXXX a sub mortgage company for Village Capital and Investment. I used the XXXX XXXX XXXX from XXXX of XXXX until XX/XX/XXXX. In XX/XX/XXXX I received a letter from XXXX in regards to Post Forbearance Options. I called and spoke with XXXX and he explained that XXXX accepts verbal agreements, so I agreed on the option of Disaster Extend Modification. XXXX also explained that after I pay XXXX " trial payments '' I will be out of my forbearance and into my modification. Today, after making full mortgage payments for 6 months in XXXX Dovenmuehle is telling me I can not the Disaster Extend Modification but instead a VA Disaster Modification which is explained in their document as a modification, " if you can not resume making the full contractual mortgage payment ... '' ( please see attached ). XXXX is insisting I accept the VA Disaster Modification, described as " If you can not resume making the full contractual mortgage payment you may receive a modification that changes your payment terms '' if I accept this modification it will not be truthful because I have made my mortgage payments for the last 6 months. In XX/XX/XXXX I have called XXXX several times, messaged them on XXXX, called the VA hotline and spoke with XXXX XXXX in regards to my mortgage, and spoke to someone with answers but still, the Dovenmuehle employees who call me have no authority to make decisions or have no understanding of the VA Loan Modification Options. I send an email to them requesting a modification plan and the only option they have for me is a plan that is described for people who can not make their mortgage payment and that is not me. They told me I have to call Village Capital Investments to talk to a manager and when I spoke with XXXX, she explained she can not make any decisions because my loan is with XXXX not them. The last week of XX/XX/XXXX, I spoke with XXXX, XXXX XXXX, and XXXX, and all of these employees could not assist me with ending my forbearance and explaining my modification options. They are telling me Village Capital Investment is refusing to modify my loan and is not giving me any options. I do not know who owns my loan because none of these companies are claiming my loan. 

Modifications options are not the only issue I am having with XXXX. They continually give me incorrect information. I have been told by several associates that my account will move to Village Capital Investment, and they have no explanation of why. Also, I am a 100 % XXXX veteran and XXXX pays my home tax and they still have not modified my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: GA

Complaint narrative:
I have new and updated information regarding my consumer report. 

I have previously disputed alleged accounts for XXXX XXXX XXXX XXXX  XXXX, XXXX and Department of Education however, Experian alleges it performed an investigation and the items I disputed were verified as accurate. Pursuant to 15 USC 1681a ( e ), an investigative consumer report was to be completed upon my request however it was not. Furthermore, neither Experian, XXXX nor any creditor can verify that any information on my consumer report is factual information. Only I can, as I am the consumer. I am verifying that the following accounts are not factual and must be blocked and deleted from my consumer report : 1. XXXX 2. Department of Education 3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX Experian must edit the reporting for the XXXX XXXXXXXX XXXX account and report as closed by consumer and adjust all late payments to show as paid on time/paid as agreed. Also report the balance as paid in full for the XXXX XXXX XXXX account. 

I also confirming that the late payment reported by XXXX XXXX is inaccurate and must be deleted and reported as paid on time/paid as agreed.

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 2022-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a debt letter from Waypoint Resource Group. I was in shocked because I don't remember owing a cable company under my name. It stated that I owed them back dated on XX/XX/XXXX of {$12.00}. I did not opened an account with the company for a long a time. I was not the account holder around this time. I want this debt off my name. I have a very good credit and I don't want this company to ruin my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: AZ

Complaint narrative:
I have a inaccurate 30 day late payment marked with XXXX XXXX for the month of XX/XX/2021. I made the payment for XX/XX/2021 and XX/XX/2021 on time and I am including both bank statements to show proof of payments

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 2022-02-09 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: CA

Complaint narrative:
On XX/XX/XXXX XXXX I sent a letter containing : Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. Without my written consent I have attached an invoice per violation. 
You are reporting inaccurate and incomplete credit information. The credit report you provided shows a history of payment or payments being made late that are not proven and are incorrect. I demand that you -- as REQUIRED BY MY STATES LAWS and also by the FEDERAL LAWS that govern your behavior while dealing with consumer reports to include your RECEIPT and or your REPORTING of them, to fully document in testimony to every single one even each any and or all of the facts related to this allegation withstanding none.

I have contacted the creditor and they have stated that they are unable at this time to document these payment irregularities, by omission the creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Last night I received XXXX consecutive missed calls from an XXXX number, I finally answered thinking it was my grandmothers life alert company. The gentleman told me he was from the CHASE fraud department and I needed to verify my location because there was suspicious activity on my account in Florida ( I am in California ) he said the call was being recorded and he would walk me through how to stop action on this and ensure the funds did not leave my account I even questioned how I would know he is indeed from the Chase fraud department and he assured me that the phone number he was calling from is the exact number on the back of my debit card I checked, and he was correct. He then proceeded to tell me to log into my mobile app so that he could prompt me to follow the steps to stop this action as that is the new process they do. He never asked me for any personal information so I didnt think anything was concerning, he asked me to input my personal phone number in XXXX as a recipient and when a XXXX prompt popped on my screen and I questioned it, he told me that was the woman in Florida trying to take {$2000.00}. I started to question this and he hung up the phone and before I could even realize what in the XXXX was happening {$2000.00} was missing from my account. I tried to contact Chase last night and the fraud department was closed so I contacted them first thing this morning to file an online fraud claim and they basically told me there was nothing they could do since money wasnt taken directly from my account and it was through XXXX a third-party, therefore the money was non-recoverable. I thought large bank institutions covered me through fraud protection, I was completely taken advantage of and I have never felt so invaded in my entire life. I am a single mom with XXXX XXXX XXXX old XXXX and now I am missing {$2000.00} with no support recovery. I have filed a complaint with XXXX, Chase, and I have also filed a police report. Please, please help me or let me know if theres anything else you need on my end. Below I will include the case number for the police report Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
On XX/XX/XXXX, I sold my car to XXXX XXXX in XXXX XXXX, Iowa. They cut me a check for {$25000.00}. That night I tried depositing it into my Bank of America savings account using mobile check deposit. I woke up on XX/XX/XXXX to find both my checking and savings accounts closed. No email or text. The check was 100 % legitimate. After calling them 4 times, and stopping in to the local branch they said there is nothing they can do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have XXXX XXXX XXXX XXXX XXXX on my report I do not recognize these accounts yet Equifax continues to report them Ive sent in numerous Identity Thef reports and validation letters they have failed to comply its been over XXXX days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: IL

Complaint narrative:
After analyzing my credit report, I discovered the following information, which makes me even more angry. I never gave your company the opportunity to report abusive actions against me under the Fair Debt Collection Practices Act ( 15 USC Section 1692 ). I was subjected to a breach of my privacy.

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 2022-02-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I opened a SYNCB / XXXX XXXX  account years ago. It reports as a charged off account on my credit report. For the last few weeks ive contacted Sync and provided my social BUT they can not locate my account so i cant pay

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 2022-02-09 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: KY

Complaint narrative:
I have 5 accounts on my credit report that should be removed, they are outdated. I have sent several letters to the bureaus regarding this issue. I will attach the letters. They will not remove them from my credit reports, when it has been 7 years. 

There are also a few accounts reporting inaccurately that I would also like removed.

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 2022-02-09 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: CARRINGTON MORTGAGE SERVICES, LLC
State: NE

Complaint narrative:
In XXXX 2021, I was refinancing with XXXX XXXX XXXX XXXX ], & they were trying to rush things along in order to meet their monthly 'quota, ' so several weeks before the scheduled closing, I started asking questions to ensure I was receiving the best refi option for me, which is my right. However, XXXX/my mortgage XXXX [ MO ] didn't like this, so they followed up with various delay tactics. During the refi process, the MO had told me that there would be no payment due for the closing month, as the loan would close before the end of the month, but it didnt [ close ], even though I was approved and had all of my paperwork and requirements submitted. The XXXX to last day of the month, I received a call from the XXXX MO who told me that half of my payment was still due for that month and it had to be paid in order to close the loan on the refi [ also, throughout the refi process, I had lost all online access to my CURRENT mort, I only had access to the NEW refi loan #, & could not make/change payments to my account ; the MO knew this, as I had reported it to him NUMEROUS times, but he did nothing ]. After the call, I immediately made a telephone payment, because I couldnt access my account online, completely unaware that at the same time XXXX was trying to debit my checking account, and had done so MULTIPLE times, for the same payment ; it was the perfect storm. Needless to say, my bank declined each transaction because I didnt have $ XXXX funds available in my account [ heck, who does ]. Upon realizing this [ and remember, its the end of the month ] it was too late to do anything, XXXX considered the payment late, reported it to the credit bureaus, & my credit standing has been completely DESTROYED ever since! I've tried to work with XXXX on a resolution, I've called and spoken to multiple employees, but its been no use, they claim its 'against the law ' to reverse a late payment, even though XXXX incompetency & shady practices perpetuated this debacle. And to make matters worse, because of the late, XXXX will not refi a loan with me for XXXX year.. I even filed a dispute witXXXX XXXX, but they refused to accept responsibility & found no fault in themselves. I've tried to get another loan with other companies, but either the interest rate is 20 % + or they decline me because of the late report and my low credit score. Some of my credit cards have even closed my accounts because of this, which lowers my score even more. This has been financially devastating, and my hands are tied, I cant move forward in any direction because of this, I'm entirely unable to improve my financial situation, I'm stuck, and I just want this reversed so I can move on!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have always been in a deferment or a forbearance option through navient. I have never missed a payment due to my elegibility w my income due to XXXX. and ssa.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have always been in a deferment or a forbearance option through XXXX. I have never missed a payment due to my elegibility w my income due to XXXX. and 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 2022-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Truist Bank ... has extremely Ridgid fees unjustly charged to me ... as a transfer of payment. From my checking account. To my credit card they are negligent in making balances appear understandable ... by using only colors. There's no plus sign for credit nor a minus sign representing a debit Referring to try n transfer money from my checking account to pay my credit card. And or an automatic creditline

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 2022-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions.
State: SC

Complaint narrative:
I have started getting calls from FBCS on a regular basis recently. I didn't even know who or what FBCS was. I had to look them up online to find out this is a debt collection company. I am NOT in debt! I thought I got this straightened out last year when I went through this same problem with other debt collection companies. I was getting frequent calls for an XXXX XXXX XXXX, who apparently used to have my landline number. I filed a complaint through you and the calls from debt collectors stopped. Well, they've started again this year. I have had the same landline number for 3 years, so whoever this outfit is trying to reach is calling a number that hasn't been that person 's for years! I don't trust them, so I haven't called them back. I'm filing this complaint and blocking their number. I can't tell you how sick and tired I am of getting bombarded with calls for the wrong person. What does it take to get through to these debt collectors? I do not have an unlisted number, so it would be easy enough for them to check and see if the number they are calling matches the name of the person they're trying to reach. They don't bother. They start calling early in the morning, like XXXX. I thought it was illegal to call before XXXX am. If they are legitimate, they need to stop that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: DE

Complaint narrative:
Navient had been inflating my loan balance over the past few months. They have repeatedly kicked me off my XXXX relief plan charging almost XXXX in interest and fees since the pandemic started. 

Most recently they reported my delinquency to the credit bureaus causing my scores to drop below XXXX. 

They charged almost {$120.00} in fees per loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: KY

Complaint narrative:
I have 5 accounts on my credit report that should be removed, they are outdated. I have sent several letters to the bureaus regarding this issue. I will attach the letters. They will not remove them from my credit reports, when it has been 7 years. 

There are also a few accounts reporting inaccurately that I would also like removed.

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 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have 5 accounts on my credit report that should be removed, they are outdated. I have sent several letters to the bureaus regarding this issue. I will attach the letters. They will not remove them from my credit reports, when it has been 7 years. 

There are also a few accounts reporting inaccurately that I would also like removed.

Company response to consumer: Closed with explanation