vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TN

Complaint narrative:
Our mortgage maturity date is in XX/XX/2021. We are elderly and have lived in this home over 50 years. We will not have the mortgage paid off by that time. We have spoken to people at the company 3 times. We have been sent hardship, and mortgage modification papers to fill out so we can resolve this, and be able to stay in our home. Our daughter has filled out the paperwork for us three times, and sent it back in. We have been rejected all three times, even though we sent in everything they needed. Their excuse on the letters is that our credit score is " too high '', or we need to wait until we are in default before we can get a modification. If we go into default, they will foreclose. I do not have specific dates, but I kept all letters of denial they sent us back. They refuse to work with us, and give us excuse after excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
The acct opened in XXXX 2019. I received the bill and it was way over the amount of services from the beginning at over XXXX. I disputed the amount was brought down to {$920.00} of which I paid in full. I was recovering from XXXX and need some detail work after XXXX. I later pulled my detail charges and found that the original balance I should have paid was {$550.00} ( XXXX+XXXX ) .The other charges were for a different XXXX that has already been paid in full as well in the day of service. Comenity Capital Bank has since closed my acct, sold it to XXXX, and stating that I still owe {$260.00}. How can that be if I overpaid them in the first place. I have proof and I can not get an answer from either of them on how they plan to correct their error. I have been turned down for 2 credit cards and can not get my home refinance with this incorrect information on my credit report of which they refuse to remove. I have placed a dispute with XXXX and it will not be settled until XX/XX/XXXX but I do not have that kind of time because I have 90 day to get my home refinance or I have to sell it by court order. I have been trying for over a month to get this issued resolved and I can do without this stress and XXXX since I am still recovering from XXXX and XXXX  I am on a time crunch and it seems that they have no intentions of changing the false report they created. Not only did I over pay {$360.00} they sold the account to a debt collector that is charging me another {$260.00}. This is is devastating, very stressful during what should be a happy time, and time consuming to file all of these complaints and all they needed to do was the right thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Company : Loan Depot Type : Mortgage Re-finance Loan # : XXXX MIN : XXXX History/Reason for Complaint : - Documents were signed by me and sent back through the Notary for closing. It has been over 3 weeks since signing and LoanDepot has not closed or re-funded my re-finance yet. 

- No communication is being provided by LoanDepot as to an XXXX for closure OR why the re-fi is not closing from their end. I have asked for status updates on email atleast 3 times and have called them several times but was unable to get an answer from the company. 

- I had specifically asked XXXX XXXX ( Loan Officer ) how long would the re-fi process take at the time of sale and she wrongly said it could take as long as 60 days but in most cases loans close within 30-45 days. We are at over 90 days today since the rate lock and i am being left in the dark as to why my loan is not closing. See below for emails asking for update on my loan closure. 


Other Complaints against Loan Depot : - - I called LoanDepot asking for a re-fi on XX/XX/2020. They gave me a rate of 2.625 for 30 year fixed and said there would be no fees or closing costs like Title Company Fees or Title Closing Fees etc associated with the loan. The answer i got from XXXX XXXX ( Loan Officer at Loan Depot ) was that there would be NO fees or cost associated with the loan. 

- Upon receiving the closing document I saw fees worth $ XXXX were levied to me. 

- XXXX XXXX was XXXX XXXX Manager called me to discuss this and spoke very unprofessionally over the phone. He tells me to canceling the loan would be my best option. Really? I mean after making a customer wait 60 days with lies the company asks customers to cancel? 

- I escalated this to XXXX XXXX boss ( Mr. XXXX XXXX ), who asked Customer care to initiate an enqury. I never heard back on the findings. Finally, Mr XXXX tells me there was nothing LoanDepot could do to honor their own words about removing the closing costs. Several emails were exchanged during this communication. 

- At this point, i had given up and accepted to bear the closing costs because the only other option that was provided to me was to cancel the loan. XXXX had asked Customer Care to look into the call transcripts to find out details but no one from customer care or service ever responded back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: CITIZENS FINANCIAL GROUP, INC.
State: SC

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XX/XX/XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 

But companies did not provide the following proof : Permissible Purpose My written a uthorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have an unauthorized purchase on my debit card. 

I had my debit card information disclosed to a third party without my authorization.

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 2020-12-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I discovered inquiries on my credit and XXXX XXXX report that aren't mine. I never applied for alot of information being reported, as well as, I never had a bank of america bank account. So much is inaccurate on my reports that I don't have the slightest clue on how to get all of this off. XXXX XXXX shows up alot on my reports and I don't who they are either.

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 2020-12-23 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: AR

Complaint narrative:
I have sent several letter to companies by the names of Experian, XXXX, and XXXX, yet they have failed to respond to my dispute letters. I have not received any responses over the last 6 months.

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 2020-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I have disputed this two number two times with the credit bureau XXXX XXXX they took it off my credit report in a few months later they put it back on under two different names

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: A-1 Premium Acceptance, Inc.
State: MO

Complaint narrative:
I had called King of Kash and made a payment yesterday XX/XX/2020 around XXXX XXXX and around XXXX XXXX that same company tried to take more funds out even after I had paid and told me that my bank declined the payment although the money isn't back in my account and my bank is saying that the funds were taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2020, my wife and I to Wells Fargo, and were approved for a " no cash out '' refinance mortgage of our existing Wells Fargo mortgage ( # XXXX ). Wells Fargo selected XXXX XXXX XXXX to handle the title insurance/documentation. 
We signed closing documents on XX/XX/2020, and received notice of successful closing/congratulations, on XX/XX/2020. We were then issued an account number for the new mortgage ( # XXXX ). 
On XX/XX/2020, we received a phone call from Wells Fargo, for the " past due '' XXXX payment of our original mortgage ( # XXXX ). 
Upon calling Wells Fargo, I was told that the payoff amount for # XXXX ( sent by XXXX ) was somehow insufficient, so " existing balance '' payment for # XXXX has not been accepted, causing that mortgage to become past due. 
No one had previously informed us of this, and had, in fact, sent us the " notice of successful closing '' /congratulation email. 
So now there is a dispute between Wells Fargo and XXXX XXXX as to a solution. 
In the interim, here we sit, with two mortgages ( one on the verge of becoming delinquent ), because the title company Wells Fargo selected couldn't get their numbers right?

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 2020-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
On XX/XX/2020, I purchased a XXXX XXXX XXXX, at the XXXX XXXX XXXX XXXX XXXX. 
The finance manager doctored my contract to inflate the interest payments and add a warranty purchase that I explicitly declined in the contract. 
I electronically approved the following : a ) 1.99 % interest rate for 60 months and b ) warranties and XXXX XXXX were declined. 
I noticed about a {$3000.00} increase on my first billing statement. Upon downloading the contract from XXXX XXXX, I found the terms were changed to the following : a ) 2.9 % rate over 72 months and b ) an additional {$2900.00} in principal for a warranty. 
Unable to resolve the matter working directly with the dealership, I sought legal help and had the following demand letter sent on XX/XX/2020 Warranty and Additional Finance Fees : {$4100.00}, Attorneys fees : {$2400.00} Total demand for damages : {$6500.00} A few days thereafter, the warranty was refunded. No other refunds were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: UT

Complaint narrative:
I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: NJ

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-12-23 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: FL

Complaint narrative:
Hello, I very destressed that I found in my report items / inquiries that are not mine. The listed inquiries are inaccurate and I do not recognize none of them. Please delete it as soon as possible as its influencing my credit report. I have never signed any agreements contracts with these companies. Its a pure identity theft someone used my personal information. Please take appropriate actions asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX XXXX FI add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, AMERICREDIT FINANCIA add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX XXXX. add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 

But companies did not provide the following proof : Permissible Purpose My written authorizatio n Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: AR

Complaint narrative:
I have sent several letter to companies by the names of XXXX, XXXX, and Transunion, yet they have failed to respond to my dispute letters. I have not received any responses over the last 6 months.

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 2020-12-23 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: AR

Complaint narrative:
I have sent several letter to companies by the names of XXXX, Equifax, and XXXX, yet they have failed to respond to my dispute letters. I have not received any responses over the last 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vengroff Williams, Inc
State: FL

Complaint narrative:
I received a letter from Vengroff Williams , Inc of XXXX, FL saying that they have been engaged by XXXX XXXX ( XXXX ) to collect {$610.00}. I have no outstanding debt with any organization and there are no details to support the collection. No time, date, proof of transaction of any sort. They provided an internal acct # that's been assigned to me # XXXX & a reference # XXXX. There have been no attempts from anyone to claim this debt via phone, email or letter ( before this fraudulent attempt ). There are no charges on my credit cards that this organization could point to as proof. I haven't engaged in any transactions with any company called XXXX XXXX. No communications have taken place with any of the 3 credit bureaus as " late '' or otherwise delinquent. I subscribe to a credit monitoring service ( XXXX XXXX ) where nothing has been reported. I called the " Resolution Specialist '' on the letter named, XXXX XXXX @ XXXX where he has a VM I left a message. Every single phone number on this " invoice '' is his number. This seems to be nothing more than an attempt to extort/steal money from unsuspecting people. I'm formally writing back to this organization within their 30 day requirement to formally dispute this fraudulent claim. My phone is XXXX ... thank u

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
I signed up for apromotional offer to receive a bonus for starting a banking account. I met the requirements and they said i didnt open the account on the correct webpage. I opened the account, ostensibly used the right promotion code and now they dont want to pay the bonus they advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: NJ

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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