vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RENASANT CORPORATION
State: AL

Complaint narrative:
Renasant Bank provided me with three separate FHA loan amounts and approvals in a 30 day period, to then deny the loan, even after locking in my rate. 

The employees of Renasant Bank were incompetent in their duties and did not due their due diligence interpreting the FHA guidelines. 

Renasant Bank shared my personal, credit and financial records with other mortgage lenders without my knowledge or consent. 

PLEASE SEE DETAILED RECORDS AND NOTES ATTACHED TO THIS COMPLAINT

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 2020-12-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
57 Inquiries on my report. I did not authorize most of the inquiries and want them removed please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Contacted Credit Collection Services about a debt that they posted on my credit report. 

They company listed was XXXX XXXX XXXX. This dispute was for {$220.00} with a date of XX/XX/XXXX. 

We contacted by certified mail Credit Collection Services on XX/XX/XXXX asking for validation of debt. ( Verified delivery on XX/XX/XXXX, at XXXX ) As of XX/XX/XXXX we have not received and communication from Credit Collection Services XXXX 

We request that this be removed from credit report because of no credit validation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
spoke with a rep at original company and cancelled. 
Now they leave me on hold forever and say I haven't cancelled continually trying to bill me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XXXX, XXXX XX/XX/XXXXdeliberately accessed my credit report WITHOUT my consent. This is illegal. 
Then she asked me to sign a document for a loan, where she misquoted the terms, after I had over four ( 4 ) hours of major dental work and was heavily sedated and fatigued.

Also, over four ( 4 ) hours earlier, before I was in extreme pain and fatigue, she verbally agreed that I could pay with my credit card, half of the fee, that day ; and the remaining balance when service was completed. 

I am XXXX years old, XXXX, XXXX XXXX took advantage of me by deliberately : - illegally accessing my credit report without my consent ; - unilaterally changing our prior payment agreement ; - informing me about her above-listed actions when I was in distress. 
- having me sign an agreement, and falsifying the terms, while I was in distress. 
- this voidable agreement was at 27 % interest rate, while my credit card was 22.25 % interest. 
She put me at a financial disadvantage of XXXX basis points. 

Comenity Bank did an investigation, and after 90-days they just gave me the agreement that I signed under duress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: Advantage Credit, Inc.
State: CA

Complaint narrative:
I did not authorize these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IN

Complaint narrative:
XX/XX/2020 chime bank closed my checking account with XXXX remaining funds and my savings account with XXXX in it chime will not send them back to the issuer or to me. They are now saying that they will no longer discuss my account with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I did not authorize these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: William D. Meeker Enterprises, Inc.
State: CA

Complaint narrative:
I did not authorize these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
USAA is reporting a debt on my credit file that is no longer owed. I recently had my credit pulled and was notified of this debt by my lender. He said I needed to settle that account but when I looked into, it was an account I paid off months ago! This account is causing my home buying process to be delayed. This account needs to be removed from my credit file immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
To whom it may concern : I initiated a refinance with TD Bank on XXXX XXXX, 2020, with a 30-day closing. It has been 90 days, and my closing has been postponed 8 times, loan team is unresponsive to my attempts to reach them, and fails to share vital information. All requested documentation has been provided on my end within 2-3 hours of request, and failure to process the documentation in a timely manner rests solely with TD. I am supposed to be closing today, and no one has been in touch to provide information on said closing, nor to inform me of a further delay in the process. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I checked my credit and saw an account from Portfolio Recovery for XXXX XXXX for {$630.00}. I lost my job and became homeless. I have saved money since working part time. Im able to offer {$300.00} for to settle for a deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wells Fargo Dealer Services is reporting a debt on my account that is no longer owed! I recently had my credit pulled and my lender notified me about a debt with them I needed to settle. When I looked into the account I noticed it was one that I paid off months ago! This account is causing my home buying process to be delayed and needs to be fixed immediately!!! Please remove this account from my credit report it is inaccurate.

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 2020-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I checked my credit and saw an account from LVNV Funding for XXXX XXXX for {$1100.00}. I lost my job and became homeless. I have saved money since working part time. Im able to offer {$600.00} for to settle for a deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIERRA PACIFIC MORTGAGE
State: ID

Complaint narrative:
Paid off my conventional mortgage on XXXX. Sierra Pacific Mortgage Company ( the servicer ) said they would refund my escrow account within 15-20 days. I have called twice and both time they said they were sorry and would send the check right out. It is now XXXX, 88 days since the loan was paid off and 20 days after my last call. Tired of trying to work this out with the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces  of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
I checked my credit and saw an account from Southwest Credit Systems for XXXX in the amount of {$640.00}. I lost my job and became homeless. I have saved money since working part time. Im able to offer {$300.00} for to settle for a deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.

Complaint narrative:
I got a notification that I opened a account with THD/CBNA. I have not opened anything recently

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 2020-12-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been sending letters to Equifax in regards to an alleged XXXX XXXX  asking them to verify an alleged debt, but they have failed to do so. I have asked for them show me their Method of Verification and they did not send it. I am worried that they are not actually investigating my dispute and are using the e-Oscar system instead, which I did not consent to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-12-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Got a personal loan through regions bank to build my credit and was set up to auto withdrawal from my checking account in the amount of {$15.00} and was not made aware that there was a hiccup in the auto withdrawal process that caused a late payment without my knowledge. Have filed a complaint with regions bank but was no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: DISCOVER BANK
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019 and XX/XX/2019, DISCOVER FINANCIAL SERVI add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization 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 non-monetary relief
Consumer complaint received 2020-12-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CO

Complaint narrative:
On XXXX XX/XX/2020, my mortgage at XXXX XXXX XXXX XXXX was purchased by AmeriHome Mortgage. The balance and escrow accounts were not transferred correctly, and AmeriHome Mortgage now shows that I owe approximately {$60000.00} more on my mortgage than what I had paid to XXXX XXXX XXXX XXXX. The escrow account reflects a balance roughly {$3100.00} less than what I paid in to XXXX XXXX XXXX XXXX. It appears that additional principal and escrow payments that we made ( above and beyond our monthly mortgage payment ) to XXXX XXXX XXXX XXXX, did not get transferred over to AmeriHome Mortgage. I am getting the runaround from both banks, and no one seems interested in aggressively tackling the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-12-22 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: TX

Complaint narrative:
I have been sending letters to XXXX in regards to an alleged XXXX XXXX XXXX loan asking them to verify an alleged debt with proof of original documentation, but they have failed to do so. I have asked for them show me their Method of Verification and they did not send it. I am worried that they are not actually investigating my dispute and are using the XXXX system instead, which I did not consent to.

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 2020-12-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been sending letters to XXXX in regards to an alleged XXXX XXXX XXXX loan asking them to verify an alleged debt with proof of original documentation, but they have failed to do so. I have asked for them show me their Method of Verification and they did not send it. I am worried that they are not actually investigating my dispute and are using the e-Oscar system instead, which I did not consent to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: NY

Complaint narrative:
My account which I would like to address today is my mortgage with Loandepot Account # XXXX I notice a late pay reported in XX/XX/2020. During that time I was unable to make my payment due to Covid-19 I. When I was well enough to work I did make the payment immediately. I did get a financial accommodation done were the fees were waived and based on the CARES ACT if any accommodation has been made no late pays may be reported to the consumer reporting agencies

Company response to consumer: Closed with explanation