vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
I was on a forbearance with Flagstar mortgage company due to COVID. In XX/XX/2021 I requested to discontinue forbearance and began paying mortgage payments. I have been waiting since XXXX for the completion of the Deferral process. After numerous, weekly phone calls and hours of time on hold, I have been promised that it would be completed and I would receive a phone call back. It is now almost 6 months and the Deferral is not complete and I seem to get more unmet promises. I have not been able to complete other business and mortgage refinances due to this incomplete Deferral. I am tired of hearing that " this will be escalated to our team '' and NOTHING happens.

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 2021-11-17 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: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Ive been a victim of identity theft someone is using my information and has a car loan and two credit cards with my social security number I filed for a dispute with XXXX XXXX  and others but the suggested to also file a report with you guys.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17 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: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
The company recently misapplied two payments- one for {$1300.00} and one for {$300.00} on an another account. Based upon this incorrect payment application, they reduced my credit limit from {$25000.00} to about {$8000.00}. They won't fix their error ~ despite my long payment history with them

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 2021-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NJ

Complaint narrative:
THE COMPANY AMSHER COMPASSIONATE COLLECTIONS, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 i AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. XXXX5 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection, XXXX, XXXX, XXXX, and XXXX are assumed to be credit Bureaus and their is only on Bureau and that is the Consumer Financial Bureau. On XX/XX/1933, Congress enacted HJR-192 which is Public Law 73-10 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the exiting emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money, policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characterstics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom may have knowledge concerning any such terms of information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: NV

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : 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 XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Blockchain.com, Inc.
State: MN

Complaint narrative:
They ( Blockchain.com ) have given me the runaround. 
I have been cheated!!! 

I want to take my money out!!! But I do not have a smartphone to get to the Gold step. Don't you get it! 

I DO NOT HAVE A SMARTPHOEN TO GET SMS TO TAKE OUT MY MONEY!!! 
DON'T YOU GET IT. I HAVE ACESS!!!!! 

That's the problem!!! I can not be Gold verified because I do not have a smart phone to receive SMS. I am stuck and you are holding my money which I can not move out because I can not get Gold status!!! 
Don't you people get it!!!! I am being denied my money. 



I do not have a smartphone-it would cost me {$30.00} to rent just to get {$18.00} back. This is dishonest and cheating. Just to receive SMS. I can not do a GR code or a selfies of my license.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
Hello so I have a personnel loan open at a local branch near me. Along with that loan I had other credit cards and loans that affected my credit that were past due. I decided to go with a consolidation program to help me pay off everything. Obviously this loan company called Atlas Credit called me for payment I nicely advised them of what I did they advised me they dont accept those kinds of programs. I advised them I will get back in touch with them. I called my debt program they advised me companies tend to say that so they dont lose money. They advised me they do work with that company and have done so in the past. A day passed by and again I receive another call I advised them again that the debt program will contact them in regards to payment. Later that same day I decide to call corporate because I dont stop getting calls they advise me they will contact the local branches supervisor to let her know I dont want calls nor them coming to my house all that is against federal law and if they want to inform me of something they can send it via mail. Later on that day the supervisor calls me and she insists again in payment she tells me they dont accept the program I advise her I dont want calls to mail me whatever she needs to tell me she said in my contract I supposedly signed to be contacted via phone. I have repeatedly advised them to stop calling me I am not approving them to call me. These arent even reminders anymore its more like harassment because I have advised them of what I am doing already.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I entered into an open end credit transaction with Apple Card to purchase a XXXX back on the XX/XX/XXXX. I allegedly owe a balance of {$1100.00} and Goldman Sachs bank has been calling trying to collect on it. I did not enter in a contract with Goldman Sachs, nor have they shown me a signature where I signed into a contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

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 2021-11-17 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: OneMain Finance Corporation
State: FL

Complaint narrative:
I am the natural person, creditor and consumer according to 15 USC 1692a ( 3 ) - defines consumer Pursuant : 15 usc 1681 ( 4 ) 15 usc 1681b 15 usc 1681b ( a ) ( 2 ) Which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it related.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: Grain Technology, Inc.
State: MS

Complaint narrative:
I withdrew {$1000.00} in XXXX from my Grain credit card. I set my payments up on autopay so I wouldn't have to worry about them because I'm very busy! Well, Grain has a problem with their platform they use to connect their customers bank accounts for autopay. It keeps disconnecting the bank account which caused 3 missed payments. When I checked my bank account and saw that Grain had not been deducting my autopay payments, that's when I reached out to them to find out what was going on. I've tried to call them with no success. I've sent emails and they respond back when they feel like it. They have reported my payments late on my credit report and have messed up my perfect payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX is still reporting my account XXXX as opened, even though it's fully been closed according to the company. This must be corrected by the credit bureau to correctly reflect that it is closed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: NJ

Complaint narrative:
XXXX XXXX  is still reporting my account XXXX as opened, even though it's fully been closed according to the company. This must be corrected by the credit bureau to correctly reflect that it is closed

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 2021-11-17 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: LEXISNEXIS
State: TX

Complaint narrative:
A method of verification letter was mailed USPS, First Class, Certified Mail ( XXXX ) to LexisNexis on XX/XX/2021 and was not responded to. LexisNexis is in violation pursuant to FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). The credit bureau must give me the method of verification information within 15 days of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: OneMain Finance Corporation
State: NV

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management is falsifying information, stating that I owe debt to them, that I do not owe. They illegally reported to the credit bureaus that I owe debt to them. This is fraud, as I do not owe them any debt. 

I have written to Midland Credit Management several times, via certified mail, stating this debt is not mine and to cease all collection activity against me. Specifically referencing that they DO NOT have a SIGNED CONSUMER CONTRACT with me. 

And by not having a signed consumer contract with me, I have asked Midland Credit Management to remove and delete this account from my credit reports multiple times, which they have failed to do. 

Midland Credit Management is in violation of the fair credit reporting act and their actions are harming me by impacting my ability to obtain credit. 

I am demanding that this account be immediately removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17 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 — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This just proves that 3 Credit Bureaus is lack proper record keeping. The Bureaus are required to verify for themselves but I will go ahead and remind you that this accounts were paid, closed, and no longer active. Provide documentation that the Bureaus have not abrogated my rights by reporting false information, otherwise remove these accounts immediately. 

AMERICAN EXPRESS XXXX XXXX XXXX, XXXX {$9100.00} ; AMERICAN EXPRESS XXXX XXXX XXXX, XXXX {$9100.00} ; AMERICAN EXPRESS XXXX XXXX XXXX, XXXX {$1600.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
This complaint is continuation of complaints XXXX. 

Received letter from Selene Financial with wrong information of agreement with XXXX XXXX Mortgage Loan of forbearance approved thru month of XX/XX/2021. 

Please see letter to Selene, explaining their errors

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NETWORK CAPITAL FUNDING CORP
State: MD

Complaint narrative:
I am in the process of refinancing the mortgage & HELOC with XXXX XXXX. 
Network Capitol is the new lender. The locked in rate is 3.75 % 30 year fixed. We were supposed to close yesterday. Today XXXX XXXX of that company called & increased the rate to 4.125 % with additional closing costs of around {$700.00}. If I am willing to stop the refinancing he promised to pay back the appraisal fee of {$640.00}. 
First he increased the points & now he has increased the interest rates & costs. 
Please investigate this matter & order them to close or compensate me for financial losses.

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 2021-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMA Advisors, LLC.
State: FL

Complaint narrative:
In XX/XX/2021, we were pursuing an extended lock rate with Homebridge Financial Services ( HFS ) for a FHA loan with an expected closing in XX/XX/2021. At that time, HFS was the only mortgage company that could offer us an extended lock rate for which a deposit of {$1800.00} was officialized under the impression that it was a refundable deposit. 

In early XX/XX/2021, after receiving our closing letter, we also received other lending options which had lower interest rates and closing costs. We decided to pursue the lender with the best offer and asked HFS to refund our lock fee deposit. HFS denied our refund stating that the lock fee was forfeited when we decided to pursue our financing with another institution. 

Below the arguments we have already presented Homebridge Financial Services in our lock fee refund request and respectfully request CFPB to evaluate in this claim : 1. Deposit for an extended lock rate was made on XX/XX/2021, under the representation by XXXXomebridge Financial Services that it was a refundable deposit that could be used as cash to close in the future. We were never made aware that this condition was exclusively with HFS or that this deposit will be forfeited if we choose a different lender. In fact, no additional terms or conditions were disclosed at that time.

2. The Extended Lock Rate Agreement, with the terms and conditions that HFS is now holding as reference, was uploaded to the portal on XX/XX/2021, fifty ( 50 ) days after HFS requested our deposit money. Terms and conditions for the Extended Lock Rate Agreement were never disclosed at the time of our decision making.

3. The first page, last paragraph of the Extended Lock Rate Agreement states : " This Extended Rate Lock Agreement shall become binding when signed by you and the lender, and upon payment of the Lock Fee ''. 

The agreement continues in capital letters and portions in bold : " A LOAN IS NOT LOCKED UNTIL AN AGREEMENT HAS BEEN ACHIEVED WITH YOUR LENDER, AND YOU HAVE ENTERED INTO A SIGNED RATE LOCK AGREEMENT. YOU MUST SIGN THIS EXTENDED RATE LOCK AGREEMENT AND RETURN IT TO THE LENDER ALONG WITH ANY LOCK FEE WITHIN 2 BUSINESS DAYS. '' Since this agreement was never divulged back in XXXX, it has never been signed by us. According to the above, the loan was never locked and the lock fee never used. 

4. Homebridge Financial Services, after failing to properly disclose the terms of the Extended Lock Rate Agreement and lacking a binding arrangement, is unreasonably withholding our {$1800.00} deposit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I recently pulled my credit report for the week as I do weekly due to me being a victim of identity theft. I noticed that a CHARGED-OFF account from XXXX was re-aged across all 3 credit report agencies. This account was first reported delinquent on my credit report on XX/XX/XXXX. As of today, showing across all 3 credit reporting agencies the account has been re-aged showing a " Date Reported '' XX/XX/XXXX. I also received several alerts and emails on my credit monitoring services stating that a " new '' account was reported delinquent. 

Since this false and illegal reporting it has dropped my score over 50 points, and has halted me from continuing to purchase my first home. This account has already been disputed by all 3 credit bureaus back in XX/XX/XXXX, with no results after the 45 day investigation. 

The account is a XXXX account ( XXXX ) in the amount of {$3800.00} and once again the original delinquent reported date was XX/XX/XXXX. This is violation of FCRA Section 623 ( 5 ) ( A ).

I need this account removed immediately from all 3 of my credit reports. I've attached several other CFPB complaints pertaining to this company and their illegal practices in debt reporting.

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