vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: InterLinc Mortgage Services, LLC
State: TX

Complaint narrative:
Interlinc Mortgage ( Loan Originator : XXXX XXXX XXXX ) and XXXX  -XXXX  XXXX ( XXXX XXXX ). 
Was interested in a home with XXXX because they were providing some incentives, last minute they insisted that the incentives were based on my use of a preferred lender. I paid Earnest money- {$3000.00} ( XX/XX/XXXX ), applied for pre-approval with XXXX Interlinc ( XX/XX/XXXX ), Got a pre-approval with so many fees and unrealistic ( for me ) built into it and more importantly did not include the discounts/incentive that I was expecting : they tried to explain this away and I was going with it " unhappily '' but found that I couldn't get another regular 401k Loan as planned ( I had 2 ). I explained this and XXXX comes back with a program that Interlinc is about to roll out on the XXXX of XXXX that will cover the downpayment and be forgivable only after 10 years. I declined for 3 reasons 1. ) 10 yrs is a lot of time for us to not be able to move/sell/refi if needed and 2. ) This program is yet to start, but she and XXXX of XXXX XXXX are insisting that I sign Disclosures based on the " coming soon '' despite that we can not lock down any rates/pricing until the XXXX ( cos she will be trained ) 3. ) We are due to notify the current landlord of our intent to vacate or renew, the XXXX of XXXX puts us outside of the time needed to notify, and also for us to make decisions that will impact our life, kids, and work. 
I was depending on the incentives and discounts to cover most of the closing and other costs-however the incentives turned out to be charged and not the dollar amounts as well as an increase in the loan amount. 
As of today, I only have a pre-approval and can't wait until the XXXX to know what it's going to be. I requested they refund my Earnest money and They are insisting that I request a hardship loan against my wish on my 401k, my future! There is no underwritten approval because I did not sign the Disclosures since it was based on an upcoming program that she does not have any definite information about except for dates. XXXX XXXX XXXX is also threatening to put the house back on the market for which I paid Earnest Money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: PNC Bank N.A.
State: TX

Complaint narrative:
On the XXXX of XXXX I went to my local branch to enquire in Good Faith. For a line of credit lone to help with personal use for a opportunity to help for education to help leave a family legacy. With all that I have been needing to accomplish, this was the final piece to the puzzle. My brighter future as CONSUMER to pull myself up buy my boot striped and achieve the American Dream. But unpronounced to me that dream would be burned to the ground by a fictitious report that should not. Hold any bearing of my character. The company that I would be working for is a dream for me to have because it would allow for all of my needs to be met.I have been discriminated against feeling the loss of HOPE as a single XXXX mother in this Heartless world of Thieves. There responds was well over 30 days and it's no wonder why because they only believe FALSE CLAIMS against people that a CRA reports with out any significant or consent.. This is a crime and whoever they are that have committed this crime I need CONSUMER justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
Complaints are being processed with the Second Judicial Court in XXXX XXXX, XXXX. Nationstar is not a legally valid servicer, and XXXX XXXX is not the beneficiary. XXXX refused 2 full loan payoffs and prohibited monthly mortgage payments on an account that was not in default. See attachments for further specific details of XXXX 's wrongful foreclosure. The CFPB has secured substantial Consent Judgments for the misconduct that XXXX is perpetrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are the following : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 


I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/ I notified TransUnion that I was an victim of identity theft and that their company was assisting in the fraud by continuing to report fraudulent inquiries on my credit report. I spoke with TransUnion by phone and was told to send in an FTC Report proving that the information resulted in identity theft along with a cover letter and identification and the inquiries would be removed. Today XX/XX/XXXX XXXX  I called because I received a letter in the mail stating that the information was sent by a credit repair company and they were going to reject the dispute. They are making it possible to clear my name and they will not reinvestigate the information. It is their grave duty to report proper information and they are refusing to do so. I have attached all I sent with a copy of my driver 's license and the laws that they should follow, which is all that is required to block and delete this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: DC

Complaint narrative:
Jefferson Capital has been sending letters to an address that I do not and have never lived at. I have no way to receive these letters and I have never received any correspondence from them at my home address or via phone or email. They are sending personal letters with identifying information about me to a home I do not reside at.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: NC

Complaint narrative:
This company calls me multiple times a day starting the day after the bill is due. My bill is due on the 1st of the month and they give no grace periods before they start harassing phone calls. I hardly ever get paid on or around the 1st of the month so they call me constantly starting on the 2nd of the month. Today is XX/XX/XXXX and it's not even XXXX ; I have already received 4 phone calls today alone!! Its frustrating, harassing and annoying to be called so many times a day. Not only that but they dont leave messages either, just constant calls. Up until XXXX I was up to date on my bill and have never been more than a month behind ( a few days or a couple weeks at the most, maybe ) so to be called so many times daily is beyond annoying. This is harassment and is ridiculous business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
my vehicle was repossessed on or around XX/XX/XXXX for a used XXXX XXXX accord with a loan amount of XXXX with an interest rate of 20.38 % at the time of purchase. 
i have sent the company a letter of rescission, well within my right according to 1026.23 12 CFR 226.15 today makes the 20 day period from date of sent letter i have not heard from company Capitol One Auto Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I noticed 3 unauthorized pin based transactions on my account and contacted Citibank to dispute. The provisional credit was reversed and my claim denied. I was told to write a letter to appeal my claim. The transactions occurred in places where I have not been. I dont use my debit card for purchases and havent in over a year and despite this the bank felt that the transactions were consistent with my normal banking. I have faxed the letter every week for 6 weeks with no response. I have also called numerous times and get bounced around.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America, XX/XX/XXXX, Credit taken away/Line of Credit reduced to zero ( closed ) without notice. The only way I found out was because I logged on to the BofA website and the account was missing from the list of my open accounts. Gone. No history. I could not even view past statements. 
Nothing. Once I realized the issue ( XX/XX/XXXX ), I called Bank of America and they, too, were unable to locate it using my profile information ( there were at least two representatives who tried to help locate the information using the usual data points like name, social security information, etc. ). Looking through some old records ( thank goodness I didn't sign up for and another reason to forego Electronic Only records/ electronic records safekeeping offered by the bank ), I found and provided the account number to the third customer service representative to whom I was transferred, at which point I was informed that they closed it, that the account was an account they no longer offered, they would not reopen it and they wouldn't grandfather it. They never informed me of their plans to close it nor that it had been closed. Never. Additionally, it immediately impacted my credit score as it reduced the amount of available credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC
State: FL

Complaint narrative:
From the statr i was tricked into co-signing a car loan for a relative. I was told in 6 months i was going to be able to remove myself off the loan. I called Westlake Financing company and they told me i can not remove myself and that i wasn't a co-signer, i was actually the buyer. They do not have the signed paper work of my relative. Fast forward, the car got repoed so now im the one responsible and its hurting my credit, I told them and even have proof that the car was for a relative, I hava the bank statements showing that relative was the one making payments. The address they repoed the car car is proven to be that relative address, NOT MINE. So Westlake Financing Company sued me for the remaining balance of {$5500.00}. I have to make monthly payments towards the balance. I was informed they will reopen the account and report the payments to the credit bureaus. Westlake still hasn't open the account and hasn't reported the payments. I've called numberous time and has been transfered to different representative and given different numbers to call and no one seems to be able fix the issue or help me. This account is making a negative impact to my credit report and it does not even belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XXXX/XXXX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXX ACCOUNT XXXX : XXXX ACCOUNT NAME : XXXX - XXXXXXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX, XXXX. 
ACCOUNT # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital one bank, XXXX XXXX, XXXX, and XXXX is reporting 3 late payments on my credit report therefor prohibiting me from obtaining any new credit accounts with any other financial institution. In addition to that because of this my credit score has dramatically decreased.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
i had individuals manually entering my bank information at XXXX  and XXXX XXXX when i was purchasing items in cash. I have tried to get this resolved by contacting 4 different people bank managers some have seemed to try to help but none have actually helped. The damages are XXXX of dollars It has been going on for over a year and can not get it resolved. Someone has been accessing my account with out my approval. it has gotten better, but the bank will not give me the report i need to resolve the issue. The report that i9 need is a line-by-line entry with the method code. I have seen one of the reports when i first noticed the issue, but i needed further research. As soon as i found the issue and reported it that is when they stopped helping

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: AZ

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXXXXXX {$600.00} XXXX XXXXXXXX {$720.00} Addresses XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My consumer right has been violated according to 15 us code 1681 .... inaccurate which should be deleted immediately...

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

Complaint narrative:
XXXXXX/XX/XXXXAccount numberXXXX  {$1000.00} XXXXXXXX XXXX XXXXXXXX {$600.00} XXXX XXXXXXXX {$720.00} Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My consumer right has been violated according to 15 us code 1681 .... inaccurate which should be deleted immediately...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: STATE EMPLOYEES CREDIT UNION
State: GA

Complaint narrative:
I had a mortgage with NCSECU ( North Carolina State employees card it union  ) and had a foreclosure. The account was closed in XXXX They are still reporting as late payments in XX/XX/XXXX. Its preventing me from moving on in life and sheltering my family. Its reporting on 2 of the 3 bureaus and appears innacurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been working on my XXXX credit profile and I noticed there are incorrect addresses and names on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT name that should be deleted is XXXX XXXX XXXX. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, WA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, WA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX ; XXXX XXXX  XXXX XXXX XXXX, TN XXXX. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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

Complaint narrative:
I filed a complaint in XXXX for XXXX XXXX XXXX and it has not be responded too. I have sent letters to XXXX XXXX XXXX  and to all 3 credit bureaus and have not received a response. It is obvious this company is committing fraud and list erroneous things on my credit reports. 

My initial complaint is as follows : In XXXX on XXXX  I refinanced my home loan from XXXX XXXX XXXX to a new lender, XXXX XXXX XXXX XXXX. My closing date was set for XX/XX/XXXX  and payment for payoff was sent to XXXX XXXX XXXX on XX/XX/2023 ( a XXXX  ) via a wire transfer. XXXXXXXX XXXX XXXX sat on my payment for almost 2 weeks and listed my payment for the month of XXXX as " Past due over 30 days '' on my credit report. That erroneous status has dropped my credit score of over 150 points. I have attached documentation from my closing disclosure that shows when the payment was sent. I has also attached my conversation with my new lender that shows the payoff amount was sent when it was. It seems as if XXXX XXXX XXXX is practicing some shady business as a vendetta for loss of business. I am not sure if this was a mistake on their part or plan to ruin my credit since I took my business elsewhere. I would like the status of " past due over 30 '' and the late payment removed from my credit profile ASAP.

Company response to consumer: Closed with explanation