vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC
State: IL

Complaint narrative:
I received Loan Estimates and Initial Closing DIsclosure 's showing that the Lender of Cross Country Mortgage was collecting 7 months of Property Tax Escrows. At Closing we were informed that the mortgage company changed this to 5 months and proceeded to move on with signing the documents in the file. On XX/XX/2022 I logged into my mortgage company to check something and I noticed my payment increased from {$3400.00} per month to {$3500.00} per month. When reaching out to the subservicer on the website and loan officer I was informed that they failed to collect a 2 month cushion. The mortgage lender is blaming the title company but the mortgage company is who generates the FINAL Closing Disclosure, not title. In addition, the mortgage company is supposed to review documents prior to disbursement and should've caught this issue then as well. Now I am being charged and additional {$1800.00} for this issue. I do not feel as though because the mortgage company closed this loan with this issue I should be bearing the brunt when XXXX  does not require a 2 month escrow cushion. 

While I understand that escrow payments can change, this is far from a change, this is lack of oversight of the mortgage company and the closed the loan WRONG. 

Had I never logged into this account the notice for me would've been less than 15 days from payment date to cover this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with 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 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I brought a car from a dealer and I pay credit acceptance XXXX every month for that car. I have had the car for only 3 months. The transmission for the car is not good and my car is now in the shop. Before I put my car in the shop, I spoke to the person that sold me the car and she said it had warrant to contact credit acceptance. I spoke to a lady name XXXX from credit acceptance and she said they could help to just get a estimate for the car. Then crier acceptance calls back and says there no warrant with the it's only with the dealer. The dealer is not at the location I brought he car they closed down. The phone number I have for them she answers then hangs up. I have no car and credit acceptance is not trying to do anything to help. They just want me to keep paying them and I don't even have the car to drive which is messing up my credit if I don't pay them. I have ask credit acceptance to locate them or give me the number they have and it's the same number I have & the same number on XXXX. I just want somebody to help me because this is unfair for my first car I only drove it for 4 months transmission should be messed up so fast. I paid over XXXX already between the car insurance and putting money into the car. If I don't have the car I don't think I should be pay XXXX for 4 years with no vehicle.

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 2022-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
My loan was being held by XXXX XXXX  and was deferred by the COVID Relief legislation passed by the US Government. after 18 months, we began the process of repaying our loan, and filing the paperwork to go through the legally allowed steps to move our deferred payments to the end of our loan period. At the same time our repayments started ( XX/XX/XXXX ) and the loan modification paperwork was started, our loan was transferred to Carrington Mortgage. We paid our payments every month as they tried to transition our payments and modification paperwork, and every month when we called they told us they were still trying to get the paperwork straight. In summer of XXXX I was in an automobile accident and my car was a total loss, so I went to replace my car. At that point, I was told my credit score was so low I did not qualify for a car loan. Without time to deal with tracing why and how, I bought a beater car. in XXXX, I went to pay my mortgage with Carrington and they told me I had over {$700.00} in late fees. The representative could not tell me what they were for. They claimed it looked like they had been there since before they took over my mortgage. The credit score the car salesman had pulled up said it looked like I had a foreclosure on my credit report. I assumed it was something to do with the transfer of my loan but had not had the chance to deal with taking hours of my day to deal with contacting a labyrinth of financial bureaus while working two jobs. by the next month, we had tried to make another payment but Carrington applied our payment towards the late fees we didn't owe and told us the only way to contest the late fees was to pay them, contest my credit score with all three credit bureaus, and send a letter to a po box with my credit reports, and wait 30-60 days for a reply. Today, when we had made a partial {$80.00} payment last night and clicked " pay towards principal '' in the app, they took all back fees and payments ( totaling over {$1500.00} ) they claimed we had owed out of the bank account, and refused to believe there was an issue with the app, overdrafting our bank account. 

When I pulled my credit report last night with the three credit bureaus, I discovered that it was Carrington that had misreported my payments as late up until the beginning of summer XXXX, as much as 180 days late. This would explain the XXXX point drop in my credit score, and the {$750.00} in late fees they are claiming we owe. We have never been late with a payment with them, ever. 

Every time we have called we have gotten a different story and have been put off to a different date with a different reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with 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 non-monetary relief
Consumer complaint received 2022-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Galaxy Capital Acquisitions, LLC
State: FL

Complaint narrative:
This debt was already brought to court, at the time I could not pay the debt and the judge had advised the debt collector to settle for {$1000.00} of the debt. The debt collector denied the amount and the judge said I didnt have to pay anything back due to my low income. Years later, the debt collector sent me a letter asking for my updated employment information to garnish my checks. I, however, am not currently employed and was under the impression this debt had been charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act Account Number XXXX in the amount of {$400.00} has violated my rights. 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 states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with 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 non-monetary relief
Consumer complaint received 2022-09-09 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: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
Multiple collection accounts with no validation provided from the original creditor showing that this account is valid. 

disputed with credit bureaus directly and no response with proof of validation received Accounts are not valid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I want to completely close my wells fargo account due to the numerous unauthorized charges they have allowed in the 10 years I have been banking with them. In addition, their customer service is horrible. 

A family member of mine who is not at all authorized to use any of my cards or money used my phone to " play games '' but he was stealing my debit card info to buy XXXX coins on my phone and send it to his wallet so I would not notice. When I caught him doing it, he admitted to doing it in the past as well, so I filed an unauthorized charge report for all kucoin purchases. They gave me a final credit almost immediately for the XX/XX/XXXX ones but still will not give me an update on the older ones even though they were purchased through the same means ( unauthorized user ). Whenever I call and ask they give me the same run around. 
XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX CARD XXXX {$500.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX  XXXX XXXX XXXX CARD XXXX {$2000.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX CARD XXXX {$2700.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX CARD XXXX {$450.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX CARD XXXX {$100.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX and was charged {$5000.00} on XXXX. I never authorized this transaction. My computer was stolen, which included all of my information stored on it, which allowed the thief to access my accounts and purchase {$5000.00} on the coinbase account and send the money out to a random wallet. I was offered a provisional credit, but the company will not give me a final resolution still and whenever I call they just say " it is pending '' but offer no timetable.

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 2022-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
This letter is to request that you remove inaccurate information from my credit report. This inaccurate information has affected my chances of getting loans and credit. For your convenience, I am sending you the proof that the items are inaccurate in case you need to verify them prior to removing them. The account I am referencing to is XXXX XXXX XXXX ( Account # XXXX ). 

On XX/XX/2022, I received a letter from XXXX XXXX XXXX that the obligation was paid in full in their office on XX/XX/2022.

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 2022-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
This company calls me endlessly and just hangs up. The one time someone actually spoke, I asked why they keep calling and hanging up and the guy just said it was about some debt and started asking a bunch of personal information ( which I didn't to provide ) before he would tell me anything else. Since I do not owe any company any money, this is clearly false and this company needs to stop harassing me at all hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: The Bureaus, Inc.
State: CA

Complaint narrative:
Multiple collection accounts with no validation provided from the original creditor showing that this account is valid. 

disputed with credit bureaus directly and no response with proof of validation received Accounts are not valid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Multiple collection accounts with no validation provided from the original creditor showing that this account is valid. 

disputed with credit bureaus directly and no response with proof of validation received Accounts are not valid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
This account was paid in full in the beginning of XXXX and then close in the beginning of XXXX and they will not update my credit report. It still shows that it's open and the balance is still there. I have called them multiple times to ask for them to update and they haven't. I have also filed a complaint with the credit bureaus with nothing becoming of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09 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: NY

Complaint narrative:
I have recently submitted identity theft paperwork and requested a block and deletion. I received no response in that regard. The investigation has gone on for more than 60 days now with no resolution.

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 2022-09-09 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: NY

Complaint narrative:
I have recently submitted identity theft paperwork and requested a block and deletion. I received no response in that regard. The investigation has gone on for more than 60 days now with no resolution.

Company response to consumer: Closed with explanation