vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lennar Financial Services, LLC
State: TX

Complaint narrative:
Im purchasing a home from XXXX XXXX and was given a stipulation of a 30 days before closing ( XX/XX/2022 ) notice required to use my own outside lending company as opposed to Lennar Mortgage. I notified the sales rep XXXX on XX/XX/2022 that I chose to use my own lender. The request was not honored, instead he requested the estimate from the outside lender for an opportunity to compete. In the process of this financing competition XXXX resigned from the company as well. XXXX XXXX then took over his sales files. I notified XXXX of my decision to proceed with my own lender. It took XXXX and XXXX a considerable amount to get my contract changed over to show XXXX XXXX as the mortgagee. After numerous phones calls, and forwarding of emails to prove I gave notice within the allowed amount of time, XXXX finally updated the contract correctly. At this time I notified XXXX XXXX XXXX XXXX loan processor ) and XXXX XXXX that it was hoped to move forward with my chosen lender being XXXX XXXX as the process has been tiring and I am ready to finish and finalize the deal. Two days I get a revised estimate from XXXX matching the competitors loan estimate. I reviewed the estimate and asked XXXX some questions regarding fees, down payment and lender credits of which he offered me no clarification. I never requested they provide a new estimate nor that my contract be changed. Now, they are negligent in providing required documents for XXXX XXXX to fully process my loan in time for closing. I feel they are trying to force me to use in house financing which I have properly declined and now they are basically not responding to any request from me or the other lender. I am afraid that this will cause them to forfeit my contract and take my deposit and am afraid of losing my deposit and starting this process all over.

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 2022-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Account Name : XXXX XXXX XXXX  Amount - XXXX Opened - XXXX Account Name - XXXXXXXX XXXX XXXX Amount XXXX Opened - XXXX both accounts no proof have been provided. 
15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish account without my instructions!

15 USC 1681 Section 602 A States I have the right to privacy! please 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 2022-07-19 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: FL

Complaint narrative:
Account Name : XXXX XXXX XXXX Amount - XXXX Opened - XXXX Account Name - XXXXXXXX XXXX XXXX Amount XXXX Opened - XXXX both accounts no proof have been provided. 
15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish account without my instructions!

15 USC 1681 Section 602 A States I have the right to privacy! please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: RI

Complaint narrative:
The following inquires I do not recognize : XX/XX/20XXXX 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 2022-07-19 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I have been asking XXXX and LVNV FUNDING TO REMOVE THIS CHARGE OFF MY CREDIT REPORT FOR SOME YEARS NOW AND NEITHER XXXX OR LVNV FUNDING HAS DONE SO. I HAVE SENT PROOF OF A COURT RULING IN MY FAVOR TO BOTH COMPANIES AND NOTHING HAS HAPPEND I THINK ITS REALLY SAD THAT THESE COMPANIES CAN JUST RUIN A PERSONS CREDIT AND NOTHING CAN BE DONE ABOUT IT THIS HAS CAUSED ME STRESS AND PROBLEMS WHEN NEEDING TO APLY THE USE OF CREDIT TO MY PERSONAL LIFE. THE RULING TOOK PLACE WAY BACK IN 2017 AND THIS COMPANY HAD THE NERVE TO TAKE ME BACK IN FRONT OF THE SAME JUDGE 2YRS LATER I WAS NOT HAPPY NEITHER WAS THE JUDGE THE RULING ENDED IN A JUSGEMENT FOR ME ( WITH PREJUDICE ) WHICH MEANS IT SHOULD NOT HAVE BEEN FILED AGAIN AFTER THIS JUDGEMENT WELL NOW IM HERE BECAUSE THEY STILL REFUSE TO REMOVE IT I NEED HELP AND ALSO WANT TO KNOW IF I CAN FILE A SUIT MY SELF AGAINST BOTH LVNV FUNDING AND XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Control Technology, Inc.
State: NH

Complaint narrative:
I went to XXXX University for XXXX semester for my PhD. This school did not send me a bill, call, or communicate about any money that was due. I was not aware of money owed until the collections agency sent an email. 

The collections agency, Account Control Technology ( ACT ) is unavailable for any communication. All phone lines are down, and email correspondence goes unanswered. I paid the balance in full online on XX/XX/22. They still have not notified XXXX of the payment.

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 2022-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
I received the attached letter from AidVantage. This letter was completely fabricated. I contacted XXXX XXXX and they did confirm that my loan was indeed an XXXX XXXX XXXX XXXX loan when they transferred it over to AidVantage. They will be mailing that documentation. AidVantage change it to 'Pay as you Earn ' without my permission. Also, AidVantage is refusing to release the phone call that happen in XXXX, XXXX which will show that I specifically told their Rep NOT to change my account for a {$6.00} difference, This would have caused my account to go from {$200.00} to {$190.00} a month. This would not have benefit me at all. Lastly, many accounts have been changed from a XXXX forgiveness to a XXXX forgiveness without the students knowledge. 

I was approved for the {$200.00} in XXXX, XXXX, the loan has been on hold since that point. My next recertification is not due until XXXX, XXXX. AidVantage are using deceptive and intimidating practices. They kept trying to get me to recertify over the phone when they knew I was not scheduled until XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRUIST FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/XXXX, I reached out to the attorneys office, XXXX and XXXX in XXXX representing creditor Regional Acceptance to follow up with them regarding a payment arrangement for a balance of {$15000.00} that I had from a voluntary repossession. When I spoke to the Legal Assistant, XXXX XXXX, she informed me that I now have a default judgment as of XXXX of XXXX which now made the balance {$25000.00} accumulating interest daily. I was totally unaware about a default judgment because I never received any correspondence regarding it because of course, I was trying to work something out with them before the new alleged court date ( original court date set for XX/XX/XXXX ). I had been in contact with this office since XX/XX/XXXX to set up a payment arrangement initially dealing with a legal assistant who no longer works there. When I filed a complaint around that time, they responded by saying they had reset my court date to give me more time to arrange a payment plan. The court date was never reset, and this was also confirmed by the XXXX XXXX XXXX XXXX. Regional acceptance sent me a letter stating that if an acceptable arrangement isnt worked out, the matter would be pursued in XXXX where I currently reside as of XXXX, and I hadnt heard anything else since. After speaking with XXXX, she informed me that my case would be handed off to another legal assistant, XXXX XXXX. Regional acceptance requested my last two check stubs and my monthly expenses which I provided on XX/XX/XXXX and offered 20 % of the balance, so Im not understanding what is taking so long to decide if they would accept my offer for a settlement. We literally just went through a pandemic, and people are trying to get back on their feet including me. I am trying to take care of this matter and get this mistake behind me, and I feel that they are stalling and I am getting the runaround. XXXX was supposed to check with her supervisor to find out what happened to the court date that was supposed to have been reset. The ball was dropped somewhere and this is not only affecting me, but the future of my XXXX  son, as I am a single mother. Ive followed up with XXXX a couple of times regarding this, and she stated that her supervisor hadnt looked into it yet and it had been 2 weeks that passed. I called today because another 2 weeks has passed and still nothing!

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 2022-07-19 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: CA

Complaint narrative:
The collection account in question belongs to someone with my name but the account originated in Texas. I have never lived in Texas. I have provided police report and affidavit.

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 2022-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I've Contacted CREDIT CONTROL CORP in writing in XX/XX/2021. About Multiple medical debt that say I own with a debt Validation letter. They did not responded of prove that these debt belong to me. I've also called them in XX/XX/2021. About older debt that they say I owe which is pas sits statue of limitation in the state of Virginia and can't legally collect from me. They was rude and combative. They was not willing to help me at all.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Accounting for Corrections made by Chase in miscalculation of my principal balance, as stated in their correspondence, has not been disclosed.

Accounting for loan has not yet been provided for years XXXX Yearly tax statement from XXXX requested but not recieved.

ARM Amortization table for my loan will not be provided by bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX XXXX mortgage 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
My consumer rights and privacy have being violated under 15 usc 1692 et seq and 15 usc 1681 et seq. This company is murdering my consumer profile denying to removed unauthorized inquiries from my credit report. 
On XX/XX/2022 first writing request was sent via certified mail to trans union asking to remove all unauthorized inquiries. 
On XX/XX/XXXX, second writing request was sent via certified mail to trans union asking for the removal on all unauthorized inquiries or promptly delete all information which can not be verified. 
After talking to customer service with trans Union and declining all request I was advice to file a claim with CFPB.

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 2022-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Colony Brands, Inc.
State: MO

Complaint narrative:
I am unsure who this creditor is what is owed and was not notified that it was going XXXX my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take car XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take car XXXX  Account Number : XXXX As a consumer by law, this account must be deleted immediately Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take car XXXX XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take car XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately

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 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Foursight Holding LLC
State: GA

Complaint narrative:
I had a car accident in the middle of XXXX. The insurance company totaled the car out and had some issues with making a payment out to Foursight Capital. I contacted them and made them aware of the accident after they threatened to repossess the car. I communicated with both the insurance company and the lien holder to make sure Foursight got their payment. I let them know it would 7-10 business days to receive their payment. I sent them proof, and on XX/XX/XXXX they gave an extension to my account. On XX/XX/XXXX, they put a repossession on my credit and classified my account as a charge-off. They received their payment on XX/XX/XXXX, as promised. Now I can not buy a new car without a massive down-payment and crazy interest rates, and have been paying out of pocket for a rental ; because of the repossession/charge-off on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
The following inquires I do not recognize : XX/XX/2022 - XXXX XXXXXXXX XXXX XX/XX/2022 - XXXX XXXX  XX/XX/2022 - XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 - XXXX XXXXXX/XX/2022 - XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 - XXXX XXXX XXXX XXXXI XX/XX/2022 - XXXX XXXX XXXX  XXXX  XX/XX/2022 - XXXX  XX/XX/2022 - XXXX XXXX XXXXXXXX

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 2022-07-19 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: EQUIFAX, INC.
State: RI

Complaint narrative:
The following inquires I do not recognize : XX/XX/2022 - XXXX  XXXX XXXX XX/XX/2022 - XXXX XXXX XXXXXX/XX/2022 - XXXX XXXX XXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022 - XXXX  XX/XX/2022 - XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022 - XXXX XXXX XXXX XXXXI XX/XX/2022 - XXXX  XXXX XXXX  XXXX XX/XX/2022 - XXXX  XX/XX/2022 - XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I recently received a copy of my ( XXXX, XXXX, TransUnion ) credit report, and I noticed some late payments along with their account numbers that was reporting inaccurate/incorrect information. 
XXXX XXXX XXXX XXXX Account numberXXXX SOC SEC ADMIN OFFICE XXXX Account XXXX U S DEPT OF ED/XXXX/XXXX  Account XXXX DEPT OF ED/XXXX/XXXX  Account XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX-XXXX  Inquired on XX/XX/XXXX The company 's are in clear violation of the law, Under 15 USC 1681b - permissible purpose of consumer reports, and 609 ( a ) ( 1 ) ( a ).

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 2022-07-19 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: LA

Complaint narrative:
I recently received a copy of my ( XXXX, Equifax, XXXX ) credit report, and I noticed some late payments along with their account numbers that was reporting inaccurate/incorrect information. 
XXXX XXXX XXXX XXXX Account numberXXXX SOC SEC ADMIN OFFICE XXXX Account XXXX U S DEPT OF ED/XXXX/XXXX  Account XXXX DEPT OF ED/XXXX/XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX-CP Inquired on Mar 5, 2021 The company 's are in clear violation of the law, Under 15 USC 1681b - permissible purpose of consumer reports, and 609 ( a ) ( 1 ) ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have Reach out to All Three Credit Bureau to remove 2 debt paid and settle. 
XXXX and XXXX have deleted this two account from Credit Report. 
The problem is Experian I have properly forward them the Documents such as Receipt Driver license social etc to their disputed address. It's been 120 days me Constantly Reaching out to them to updated my account Status but they have not Done this.

Company response to consumer: Closed with non-monetary relief