vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
I purchased my home through Cross Country Mortgage in XX/XX/2023. Loan process went as expected. 2 months after purchase I decided to do a refincnace. When my existing Loan was established we put XXXX into a replenishment / buydown account that would apply a specific amount from said account towards our monthly payment. At time of closing I signed a schedule and agreement that these funds were to be applied monthly over the next 24 months. Said document ( Buydown Agreement ) clearly states that upon paying mtg in full the balance of these funds is to be applied to my principal balance. Should any funds be left over they would be refunded back to me. That brings me to today which marks 34 days since my loan has been paid off in full. They did not allow netting of the escrow and subsidy/buydown account as stated in agreement. They have decided to hold these funds and as of yesterday the XXXX of XXXX I was told that these funds will not be refunded back to me. When I askd who they would be refunded too, XXXX ( supervisor ) said they would be refunded to the seller who sold me my home. I tried to explain she was not understanding and was infact correct. She began to yell and argue and talk over me to the point that I was forced to hang up. I then reached out to the Regional Manager who also works with Cross Country Mtg ( XXXX XXXX XXXX and he as well was at a loss for words on what I was being told. He conveyed he would look into it and asked me to forward him all emails and corispondence I had. I then proceeded to call Cross Country Mortgage again and ask for another supervisor., This time I spoke with XXXX who completely agreed with me that these funds are due back to me and said she would escalate my issue. This will be the 5th time an escalation was requested and nothing has happended. Currently I am owed roughly XXXX dollars that Cross Country Mtg refuses to release to me, and has conveyed flat out they have no plans too. 

Attached is Buydown Agreement signed at closing and notaarized. Also the only communication from Cross Country Mtg stating the funds existed and amounts and when they would be released back to me. None of which have been carried out as promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I hereby file a complaint about a data breach from Lopez, et al. v. San Andreas Regional Center Case No. 21-cv-386748 Superior Court of California XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion have all refused to provide a credit report online because it was my child under XXXX was involved in the data breach. 

I am filing a complaint since there is no monitoring or protection of credit score or credit history for my minor child.

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 2023-04-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
It shows an account with Adverse information on my XXXX report is my Best Buy Credit card with a balance of XXXX dollars. They keep sending me a bill to pay but there is nothing to pay. I have called and they said they will cancel my account but i still get these emails. 

This is affecting my credit score. How can an account with a XXXX balance have an adverse account standing? 

Account Information Address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, SD XXXX Phone Phone number not available Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CHARGE ACCOUNT Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX Pay Status Current ; Paid or Paying as Agreed Terms Paid Monthly Date Paid XX/XX/XXXX High Balance ( Hist. ) High balance of {$1500.00} from XX/XX/XXXX to XX/XX/XXXX ; {$1600.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX. ) Credit limit of {$4000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$350.00} from XX/XX/XXXX to XX/XX/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 2023-04-06 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, # XXXX, and # XXXX has violated my rights. These accounts are not reporting Date Opening, Balance, and Last Reported properly. They are all wrong. The late payments are not accurate.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 non-monetary relief
Consumer complaint received 2023-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: MA

Complaint narrative:
I received a text from XXXX stating " XXXX, your account with XXXX XXXX XXXX  for {$1200.00} in now with XXXX XXXX Debt collector. We can help resolve the acct. Call XXXX. For more important info or to pay : XXXX # of acct related Msgs mary vary. to Optout txt STOP '' I have called all my medical providers and they do not see this charge at all or none the less being sent to a debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldridge PIte Haan, LLP
State: FL

Complaint narrative:
I've had 3 accounts with XXXX. 

Two accounts I paid off fully, and I wound up paying nearly twice as much as I originally owed because of how high the interest rates are plus exorbitant charges for late fees or missing a payment. 

The third account I had was closed and sent to collection in XXXX. When I got the account, I was making more income, lost that job, and it took a while to get back to where I was. In the meantime, I fell behind on the minimum payments to this third account and it was closed and sent to a third-party collection agency, which wound up filing a lawsuit against me in NY, where my parents live and where I resided the last time I had used/paid toward the account. 

I contacted XXXX in XX/XX/XXXX. They told me to contact the collection agency directly. I did and they said they were going to send the account back to XXXX. I contacted XXXX again after speaking with the collection agency, letting them know and asking how I can communicate with XXXX once they received the account again to resolve and settle the debt. XXXX told me to follow up with them in a couple of weeks. I did in XX/XX/XXXX, and they never responded. 

Then in XX/XX/XXXX, I get a couple of letters in the mail from Debt relief businesses soliciting business for a lawsuit filed against me for the XXXX account in XXXX XXXX, Florida, where I live now and the address of which I had updated when I last spoke to XXXX I never received any actual notice of the lawsuit, I have no idea the status of it, how to check on it, or how to respond to it. 

I filed a complaint through the CFPB website. XXXX responded, but omitted any responsibility or communication I made with them, of which I had also forwarded emails and a follow up email in XX/XX/XXXX they never responded to. They deferred responsibility to a third-party collection agency they sold the debt to after ignoring my follow ups to settle it directly with them, that agency being Aldridge Pitte . I have no idea if they filed a lawsuit against me or sold the debt to someone else. I've never received any communication from them and they shouldn't have the debt in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
I paid off my mortgage with Cross Country Mortgage on XX/XX/2023. I have not received any documents from them showing payment of my loan, including Deed of Reconveyance. I contacted them about 10 days ago and still no response. 
I want to make sure that my loan payment is properly recorded and property is clear of any obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: IN

Complaint narrative:
Hunter Warfield Inc. called my wife and me about a rental property debt. I submitted a request for confirmed proof of this debt on XXXX XXXX XXXX. The letter was delivered on XXXX XXXX  at XXXX XXXX  according to my tracking ( # XXXX ) from the certified mail receipt from the USPS XXXX I never received anything from Hunter Warfield and now this collection shows up on my Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: TX

Complaint narrative:
The Credit bureaus stated my accounts were properly investigated. This is not possible because if the open dates are inaccurate, the dates last active are inaccurate, dates last reported are inaccurate, the amount owed are inaccurate, the payment statuses are inaccurate, and the comments are inaccurate. This is grounds for removal. My rights were also violated under : 15 U.S.C. 1681 Section 602 A States that I have the right to privacy. 15 U.S.C. 1681 Section 602 A States that 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 2023-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Once again I received your XXXX letter denying my claim and to produce FHA denial letter XXXX me. This is my last request for Wells Fargo to provide FHA denial letter. I do not want your Wells Fargo 's summary as Wells Fargo can not be trusted because Wells Fargo is a common thief that have lured its employees to lie on its behalf. You do not have a FHA denial letter from the Government of the United States who gave you its money to keep homeowners in their homes, therefore you continue to dance around said issue as you can not produce FHA denial letter. If you do not settle with me for stealing my home/asset for {$570000.00}, I will have no choice but to hire a skilled attorney and Wells Fargo will pay said attorney 's fees. Please note truth challenged Wells Fargo XXXX XXXX XXXX, the money that the U.S. Government won on my behalf and others who have been hurt by Wells Fargo -- YOU ARE NOT PROTECTED FROM LIABILITY IF YOU CONTINUE TO LIE TO KEEP YOUR EMPLOYMENT. Have you no honor? Wells Fargo should refrain from commercials at {$7.00} XXXX a pop x 20 times on one network and pay back the money to the people you have stolen from. DISGUSTING.

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 2023-04-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Selene Holdings LLC
State: FL

Complaint narrative:
I Bought a property in Florida in 2017 but not too long after that I paid it off in less than 3 years, I guess the finance company didnt expect me to make that decision so Quick, Cuz they were the Second Mortgage company who took over the first Deal, so after probably 3 or 4 months I get Contacted by a creditor asking me for money & I told them that Mortgage has been paid off a long time ago.., I Didnt hear from nobody for another 3 Months, all of over the sudden a different creditor called me, saying the same things, Now I have asked this one proof of the First Mortgage contract & all the payments History Ive made. Just like that I didnt Hear from anyone, until a year later, So I ask them the same thing, but they never provided me ANYTHING. Now Ive seen them report me to the Credit Bureau & that affected me big time and I wanted it to be remove..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-06 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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX this an hard inquiry this not my account I would like it removed from all three credit companies please this was opened fraudulently

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 2023-04-06 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:
XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX this an hard inquiry this not my account I would like it removed from all three credit companies please this was opened fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: NY

Complaint narrative:
To whom it may concern : The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's le be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false, and I will ght back with all my strength! Your report 's accuracy is crucial. The allegations you list don't meet federal or state requirements for reporting, so they can't be conrmed. I challenge this claim because it lacks compliance with basic reporting standards that would make me feel more condent in what's being said. You're required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, which is required by law ( FCRA ) and reporting standards like METRO 2. So please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you're not doing your job properly. If this issue isn't resolved immediately, there could be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) to hopefully get everything sorted out and correct itself with no need for intervention or escalation! I would also like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and veried information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!

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 2023-04-06 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: NY

Complaint narrative:
To whom it may concern : The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's le be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false, and I will ght back with all my strength! Your report 's accuracy is crucial. The allegations you list don't meet federal or state requirements for reporting, so they can't be conrmed. I challenge this claim because it lacks compliance with basic reporting standards that would make me feel more condent in what's being said. You're required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, which is required by law ( FCRA ) and reporting standards like METRO 2. So please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you're not doing your job properly. If this issue isn't resolved immediately, there could be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) to hopefully get everything sorted out and correct itself with no need for intervention or escalation! I would also like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and veried information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!

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 2023-04-06 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: CO

Complaint narrative:
Experian refuses to remove the following account from my credit report below : XXXX XXXX This account has not been validated nor has it been verified. This debt is associated with an address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL. I dont have a record of this address on my credit report and this is going against consumer law that I the consumer is protected under. 

This is in violation of 15 U.S. Code 1692g - Validation of debts

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 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i contact XXXX Trans union, XXXX by mail by phone many times all this negatives should not be on my name i sent the credit Bureaus letters asking them to verify the on my report.the have sent it back stating that everything is verified correctly. my credit report is still showing inaccuracies 15 U.S.C 1681s-2 AX1 A person shall not fumish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate, i hpe this get remove only XXXX did remove the public record but i still heavy other things its not my trans union did not removed yet, XXXX needs to remove the Public record please im asking CFPB for help again thank you

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 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i contact Equifax XXXX XXXX, XXXX by mail by phone many times all this negatives should not be on my name i sent the credit Bureaus letters asking them to verify the on my report.the have sent it back stating that everything is verified correctly. my credit report is still showing inaccuracies 15 U.S.C 1681s-2 AX1 A person shall not fumish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate, i hpe this get remove only Equifax did remove the public record but i still heavy other things its not my XXXX XXXX  did not removed yet, XXXX needs to remove the Public record please im asking CFPB for help again thank you

Company response to consumer: Closed with explanation