vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC.
State: MA

Complaint narrative:
I recently closed on a VA Home Loan. I spoke to the Home Loan Guarantee Team today about the home being sold under false pretenses. The sellers defrauded the buyer ( me ) by stating there were no leaks and other blatant lies. One of the main concerns I have a sensitivity to water-borne pathogens and mold that has put me in the hospital numerous times. It was a key issue I told the appraisers, the lender, the seller, the seller and buyer agent, the closing attorney, and the inspector, and they all guaranteed the home never had a moisture issue. Meanwhile, what I thought was paint all over the walls was actually mold. And the roof was installed improperly and there was a hole in the roof letting water in the entire 9 years the house was in existence. You can see outside from the attic. The entire duct system wasn't working and it was extolled to be an amazing XXXX system. There were dead animals in it and it was an improperly installed system. I'm in about XXXX in repairs and I don't think I'll be able to live there. This is a serious matter and the lender/bank won't return any call. 

The repair addendum was never honored but my agent and lawyer bullied me into signing the closing documents. My closing attorney promised he wouldn't file those documents until I gave authorization he just wanted to get them done and ready. And he filed them anyway. He also said he would have the buyer put money in escrow to deal with a potential problem from the lack of completion of the repair addendum. But never did. And he won't respond to any calls or emails as well. 

I'm currently sleeping in my car and winter is coming. Thanks for any help you can provide. I have the cash flow and debt ratio to buy a new home but I have a bankruptcy and have used up Veterans eligibility so I need this home declared properly to reset that eligibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HILLTOP HOLDINGS, INC
State: HI

Complaint narrative:
Our mortgage was paid in full, but after repeated requests, PrimeLending/XXXX  refuses to return our escrow funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
I have sent multiple letters to all three credit bureaus and Santander Consumer USA in regards to the charged-off collection account that is reporting on my credit report. The court ruling that issued to Santander in XXXX due to their unlawful lending practices. Based on those rulings, this account should be removed from all three of my credit reports immediately. I reside in XXXX  and use to reside in XXXX XXXX which makes me eligible for this account to be removed. I have attached supporting documents with this compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed a negligent fraud account that was opened in using my personal name and social security number. After disputing this with XXXX credit bureaus, they never responded to my inquiry after I sent them a copy of the police report of stolen identity. A federal trade commission report that I filled out as a victim of stolen identity and after months of going back and forth with them they decided not to respond to my last two letters sent out to them with my signature. It has now been 30 days and still no response from Transunion. This was disputed multiple times. And multiple times they have denied any allegation of fraud even though I submitted to them the suspect who committed the fraud with all of his personal information including his first and last name, ssn, mailing address, birth date and the suspects driver license number. This false negligent reporting is hurting me and my family 's financial progression moving forward. This is just a stall tactic to try and use to get some one to own up to it. The police report was filed with the XXXX XXXX sheriffs office. I need to have this removed off of my credit report ASAP. Not to mention the original creditor actually sold the account to a company called XXXX XXXX XXXX XXXX. If that's the case they sold the account with proof they did and then closed the account but its still reporting on my credit. How can that be the case. Transunion has done a horrible job investigating this matter. That letter is attached with other docs to prove this account is negligent and false. I HAVE NEVER DONE BUSINESS WITH XXXX. WE ARE LIFETIME CUSTOMERS OF XXXX BETTER KNOW NOW AS 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 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX Collection account. {$1100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX {$9900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX < -- -- ALL accounts above NOT MINE ^^^ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- -- ALL ADDRESSES DO NOT BELONG TO ME. Remove all above FCRA violation, how is this verified? Inaccuracies placed on my report. Have not given written communication or oral communication on when, how and why these accounts are reported negative on report. Remove all above FCRA violation, how is this verified?

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 2020-12-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2020 I noticed a new inquiry on my credit report dated XX/XX/2020, shown through Capital One 's credit monitoring service XXXX XXXX. The inquiry was related to a Capital One card for a company called Cabela 's. On the same day, I called Capital One to report suspicious activity ; a customer service agent said they'd transfer me to the fraud department, but no one answered, and after I called back again, I wasn't able to get in touch with anyone. 

On XX/XX/2020, I called Capital One again, and the customer service agent I spoke with wasn't able to find any information on my account related to opening a new credit card. They suggested I call the credit reporting agency. 

Later on XX/XX/2020, I called XXXX  and connected with a fraud specialist, who did see the inquiry on my account. They said they would report this back to Capital One, and that if I filed an FTC or CFPB complaint, that I should mail those documents to XXXX 

After this phone call, I logged onto XXXX XXXX, and I saw a new alert showing an inquiry for Capital One / Cabela 's, this time dated XX/XX/2020, reported by XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
XXXX, XXXX and Equifax have yet to respond to disputes I have been sending since XX/XX/2020! Under the law you are supposed to provide results and there are serious errors on my credit file with Late payments and negative items. I am unsure why you are not responding at all but these need to be deleted and not ignored. I have tried to call you guys and I can not reach any either. 
Please provide me results for the 3 disputes I have sent you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
XXXX, Experian and XXXX  have yet to respond to disputes I have been sending since XX/XX/2020! Under the law you are supposed to provide results and there are serious errors on my credit file with Late payments and negative items. I am unsure why you are not responding at all but these need to be deleted and not ignored. I have tried to call you guys and I can not reach any either. 
Please provide me results for the 3 disputes I have sent 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 explanation
Consumer complaint received 2020-12-02 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: NCB Management Services Inc.
State: GA

Complaint narrative:
This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I have had a CashApp account since last year, and at some point I forgot about the account and opened another account when I got a new phone with CashApp. So this makes it two account. Anyways I have an issue since, as I have been enjoying their services. However a friend of mine who had sent money to me before, transferred {$260.00} dollars to my former CashApp account cos thats the one he has he did not have my current one. He made this transfer on the XXXX of XXXX this year, a few days ago and I could not access the funds cos I no longer have that former phone number I used in registering that account, I tried everything possible and I just could not have access. I contacted cashapp via email and explained my situation to them and asked that they grant me access to the funds after all it was my account. They asked me for proof of my account and asked for some documents and information which I provided successfully they and they said the verification was successful. However they were sorry they could not grant me access to that account or funds for security reasons and to protect my account. I further pleaded with them and asked them to help close the former account and grant me access to my funds, they tefused. I explained that this fund was for a sick relative of mine back in XXXX and the person needed to undergo an XXXX XXXX  and it was a matter of life and death they still refused. Someone else sent me {$60.00} to thats and amount again today not knowing what was happening. So that makes it two transactions held up by CashApp. Sadly I got a news that my relative passed away cos there was no proper treatment which the money was meant for. I lost my cousin. I am indeed devastated and in pains knowing that I trusted cashapp to release this funds to me but they never did. After all Im the owner of the account and they proved it. At this point. Im done with them and I want all my accounts closed and all my cash returned to me since they wont grant me access to these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: FL

Complaint narrative:
To whom this may Concern I'm a victim of identity Theft. someone stole my identity and open accounts without my consent this is crazy I cant understand how this is possible I'm very upset about this situation and something needs to be done about this, they stole money out of my bank accounts and totally ruin my life I need help so that i can get my life back together

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 2020-12-02 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: OR

Complaint narrative:
There was an error on my credit report, which supposedly has been corrected. The matter involves a collection ( {$59.00} ) by XXXX XXXX XXXX for XXXX XXXX. 

I have tried resolving this with Equifax, but to no avail. The error lowered my credit score. The error is said to have been corrected on XX/XX/XXXX and then again on XX/XX/2020. I've checked my revised credit score, and it shows the new, higher score ( as before the error ). However, I'm in the midst of trying to refinance my house and when the financial institution pulls up my credit information, it still shows I owe money, and my score is still low. The last time I talked to Equifax on the XXXX, a supervisor said he would manually correct my score so the banks would see the correct version of my credit information. Didn't happen. I would classify this as fraud on part of Equifax as the consumer - me - sees different, incorrect information than financial institutions. Equifax claims that the error was corrected are false. I can not proceed with my refinancing until this matter is resolved. 

The collection was posted on XX/XX/XXXX and I discovered this posting about a week later. I've been trying to resolve this issue since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
RENTDEBT AUTOMATED COLLE XXXX XX/XX/XXXX Collection account. {$1100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX {$9900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX < -- -- ALL accounts above NOT MINE ^^^ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- -- ALL ADDRESSES DO NOT BELONG TO ME. Remove all above FCRA violation, how is this verified? Inaccuracies placed on my report. Have not given written communication or oral communication on when, how and why these accounts are reported negative on report. Remove all above FCRA violation, how is this verified?

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 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX Collection account. {$1100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX {$9900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX < -- -- ALL accounts above NOT MINE ^^^ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- -- ALL ADDRESSES DO NOT BELONG TO ME. Remove all above FCRA violation, how is this verified? Inaccuracies placed on my report. Have not given written communication or oral communication on when, how and why these accounts are reported negative on report. Remove all above FCRA violation, how is this verified?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There accounts reporting in my credit report From : XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 
They are all ready paid and is affecting my Credit Records.

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 2020-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I have a Mortgage Loan with SPS. I have been very very regular for many years. But the COVID Pandemic really played havoc with my XXXX XXXX, finances and rental income. 

I XXXX a XXXX in downtown XXXX XXXX XXXX, which is very badly affected by COVID. I spent about $ XXXX to fully renovate my XXXX from XX/XX/XXXX till XX/XX/XXXX. And the XXXX was closed during this time. From XXXX this year, I had to gain close down XXXX XXXX because of the rampant COVID in XXXX XXXX XXXX So there is ZERO XXXX  income, throughout this year. 

On top of it, my XXXX are not paying XXXX for the last 7 months. And because of the moratorium on evictions, my Attorney tells me that the eviction case will have to wait till XX/XX/XXXX, to be taken up by the Courts. 

So I am squeezed from all sides and it is becoming very very difficult to make both ends meet. 

But yet, with all these hardships, I have been paying my Mortgage regularly until 2 months back. As I exhausted all my savings I was forced to stop paying the Mortgage since 2 months. In fact, many of my friends already got Forbearance for 12 months. 

So I called SPS and requested their help. But they said I am not eligible as it is a private Loan. They sent me lengthy paper work asking me to fill up all that to see if I can qualify for any Loan assistance. 

I understand that under CARES Act., hapless borrowers like me are eligible to get Forbearance by just answering a couple of questions about the COVID Hardsip.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Global Lending Services LLC
State: OH

Complaint narrative:
I filed multiple disputes with XXXX, XXXX, and XXXX in regards to the incorrect items on my credit reports. It has been well over 30 days and I haven't received any investigation responses to my letters that I have sent to the Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I filed multiple disputes with XXXX, XXXX, and XXXX  in regards to the incorrect items on my credit reports. It has been well over 30 days and I haven't received any investigation responses to my letters that I have sent to the Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: PA

Complaint narrative:
Fraudulent account identity theft XXXX XXXX XXXX XXXX Open XX/XX/XXXX Amount XXXX Original creditor XXXX XXXX XXXX  and XXXX XXXX  XXXX  Unknow person opeond Original account in XXXX account was deleted from all 3 credit reports and founded as fraud Somehow after 2 years the account found its way to collection company after previously being deleted from Original creditor on all 3 reports I provided as much evidence as I could in the pictures I sent as you can see in the photos the original account was deleted and as you can see in the photos the original account number and the current account number are the same as the account that was deleted 2 years ago Could you please stop allowing the original creditor to send this account to collection agencies when the original account has been deleted and I was not found responsible for the fraudulent 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 non-monetary relief
Consumer complaint received 2020-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: NV

Complaint narrative:
I have contacted Loancare over and over again and asked for a call that is not a generic toll free number and does not go to the right people. I believe that they are ignoring me and have decided not to give me the modified percentage to what the market reflects at this time in an attempt to continue with predatory percentages and pricing. I have sent payments, 4 letters to CEO XXXX XXXX COO and some administrative consumer person asking for assistance. I get generic letters 2 pages long which do not address any of my questions and requests. My interest rate is 4.5 % and we should be able to get it to 2.75 % based on current offers. This is an abuse of their own rules which offers a modified rate program and since my wife and I have FICO scores in the XXXX range we easily qualify. I continue to wait for an answer and an offer but we are not going to wait any longer and will take action if you can not help us. We are also prepared to pay down the existing loan by {$40000.00} to show good faith now that we sold another property.

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