vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC
State: CA

Complaint narrative:
I lost my job due to the COVID-19 pandemic. XXXX XXXX County and California public health officials have issued shut down orders to prevent the spread of COVID-19. We are XXXX people in our family me my wife and our XXXX kids. we have no money and our mortgage company harassing us regards monthly payment, they are loan sharks and don't care about anyone beside money. We asked forbearance they give only 6 months after that they ask us to pay upfront fee {$8400.00} and monthly additional {$1500.00}. which we don't have. we get {$700.00} monthly food stamp and {$230.00} unemployment almost over. i am trying to find a job but no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLIANT CREDIT UNION
State: NV

Complaint narrative:
Back in XXXX I requested a payoff amount for Alliant Credit Union mortgage # XXXX effective XXXX received a Payoff Statement showing XX/XX/2020. I e-mailed the CU that I would wire that incorrect amount and we could adjust numbers later. I did that and paid off the mortgage on XX/XX/2020. I got another Payoff Statement showing XX/XX/2020 but using the same principal balance as the earlier statement. During the flurry of e-mails about this I started to doubt the numbers being provided and requested an audit three different times, but got none. So I downloaded an amortization schedule for this mortgage and performed a pseudo-audit. My numbers did not agree with the CU 's. I was told that interest is paid in arrears. I sent a full dossier by mail to the RESPA office ( same address as the CU ) which they received on XX/XX/2020. No 5 day acknowledgement of receipt or any other reply ever received. I sent a follow up letter to RESPA on XX/XX/2020 with the same results. 

Your instructions indicate not to include too much info, but if needed I can reproduce the entire dossier I sent to RESPA. I believe the property address is likely important so here it is : XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Thank you for your help. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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 disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2020-12-01 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 disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: CT

Complaint narrative:
I've been submitting disputes with this company since XX/XX/2020 only to be ignored over and over again. I've sent police reports as well as identity theft documents supporting my claims and this company chooses to ignore my disputes. This company is in complete violation of the fair credit reporting act and doesn't seem to care cause they are not held accountable for their actions. I've been emotional and financially scarred from this. I've been denied shelter for me and my family do to the negetive effects this has on my credit. I've been involved in XXXX  's recent data breach as well. This company has not explain in detail how has it " verified '' this inaccuracies.

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 2020-12-01 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 sent in multiple rounds of dispute letters to TransUnion in hopes that they would rectify the inaccuracies, inconsistencies and violations reflecting on my credit report, however they did not.

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 2020-12-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
They called and said someone had charged my card for a XXXX and asked if I knew this person. They asked me to go to XXXX and look for the white space at the top. I then said I think you are a fraud and they replied no and I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I responded to an advertisement from XXXX XXXX XXXX XXXX XXXX, aka, XXXX XXXX XXXX  ; aka : XXXX XXXX XXXX to refinance my VA home Loan under the XXXX XXXX XXXX XXXX. 

I was required and consented this lender to pull my credit report to determine eligibility. I needed a XXXX  score of XXXX to qualify for the refinance. I was fully aware of my scores and did not expect a problem. However, this lender rejected my application r stating my XXXX  scores were to low, they said my report showed my Experian score : XXXX ; XXXX  : XXXX and XXXX  : XXXX. However, when I accessed my credit file and checked my scores they were : Experian : XXXX : XXXX  : XXXX and XXXX  : XXXX. When I shared this fact with this lender, I they informed me that the scores I receive are scores for " consumers '' and their scores are " mortgage scores ''. I am confused because I have been unsuccessful in obtaining information for the credit agencies to substantiate a " mortgage XXXX  score ''. 

This situation seems unfair, unfortunate and has caused me much anxiety because I am not sure if I should pursue another lender to complete my much desired mortgage refinance. 

My question : Does credit reporting agencies provide different/separate XXXX  scores to lenders that determine credit worthiness of borrowers that are unavailable to borrowers?

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 2020-12-01 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: NE

Complaint narrative:
This is not my account and is a result of identity theft. This fraud account needs to be removed from my credit report immediately. This is a violation of the fair credit reporting act. This company has agreed to settle a class action law suit for misconduct.

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 2020-12-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
more than 4 months i received collection form Equifax regarding my previous renter with collector company named XXXX XXXX for amount of {$1300.00} but i have 2 judgements against this i called Equifax and start dispute more than 7 times but no responds from them so i need to remove this collection from this company in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo Bank had a 3rd party CPI insurance company watching all of Wellls Fargo Loans for not having full coverage. They had a crystal ball and when they felt the Insurance The person had was dropped they would stick CPI on it as a Favor for Wells Fargo and Then send Wells fargo a commission check. They were so Kind. To bad the Cpi They stuck on my Truck was not needed and it caused me because of auto pay to overdraft my savings and Checking and then Wells Fargo was so Kind as to Charge me every fee they could think of.it caused me to loose my truck and it was Fraud. I need to be Taken care of for my massive out of pocket losses. XXXX. on top of the XXXX they have given me. If Wells Fargo Cant find that kind of money somewhere they can send me out for outside mitigation because I AM NOT HAPPY WITH THE XXXX THEY TRYED TO GIVE ME>

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 2020-12-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
I sold the house that was in my name and my ex-husband ( Mortgage company : LoanDepot, XXXX XXXX XXXX, XXXX, NJ XXXX ) After closing XXXX XXXX, 2020, they suppossed to send me a check for the Escrow account that I paid ( over {$4000.00} ). I called them for two months and they said they sent to the wrong address so they will stop payment the check, issue a new one in both names ( my ex-husband and my name ) and send it to the new address. I called several times and they said that I will receive it soon. never received, called in XX/XX/XXXX and they said check was signed by my ex-husband and me ( My ex-husband forgery my signature and deposited the check in his account ). I requested the check or talk to a manager but they never let me talk to a manager neither send me the copy of the check. Today, XXXX XXXX, 2020, I called again and after 40 minutes waiting, I explained to XXXX ( from Customer Service ) and he said " a minute '' and hang up. 
I never received my escrow money, neither proof of cashed check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST HORIZON BANK
State: LA

Complaint narrative:
I am so upset and frustrated with this bank that I made a deposit at a bank teller in Louisiana, and when I put the money in, the teller told me that he could not make my transaction but he could not refund the money either and he printed a receipt that said to take him to the bank, and now they see me with a fool face there, everyone inside the bank as if I were lying about it, they make me wait they say 3 weeks or what do I know how long for my money to be available and in the meantime they charged me and they charge overdraft fees, it's stupid what they do to me, I actually have the receipt from the cashier with time and amount and they can't put my cash in my account, what's wrong with them, now I'm super overdrawn because of so much charge they make me, it's Unbelievable indeed, I am a student and I depend on little money for my needs, in truth what a bad service they have in this Bank, sorry to be with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
An continuance of fraudulent attempts of hard-pull inquiries of my credit report.

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 2020-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
An continuance of fraudulent attempts of hard-pull inquiries of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
An continuance of fraudulent attempts of hard-pull inquiries of my credit report.

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 2020-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
There is a discrepancy shown on the payment statement for my principal loan balance Wells Fargo Mortgage loan discrepancy : Total Principal per Borrowers records. {$360000.00} Total Principal owed per Wells Fargo {$360000.00} Discrepancy {$3100.00} I have rejected the Covid relief package when they disclosed the terms, I have paid all my payments and I am up to date. A silent second is showing on my statement and credit report. 

I have called Wells Fargo many times regarding the above and they have not corrected the above issues.

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 2020-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lennar Financial Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX ID # XXXX ( XXXX ) XXXX XXXX The Loan Oficer ( XXXX XXXX XXXX under the license NMLS ID # XXXX, the person was rude, without professional ethics, I treat myself badly, does not answer calls, does not answer messages, does not answer emails, And the few times he returned calls, he did it late at night, he treats me like he's doing me a favor, two days before my closing, she left on vacation, she moved the closing date and never said anything, I found the information after looking for her everywhere, after finding with several buyers of the same project, it was the same behavior with all,

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 2020-12-01 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: UT

Complaint narrative:
I have sent out several disputes to the credit bureaus and have yet to receive any correspondence or results. I do understand that with the pandemic there would be a delay in results but I didn't expect to receive none? Regardless of Covid they are lawfully still obliged to respond to my disputes. I have inaccurate items reporting on my credit that need to be fixed.

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 2020-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
I completed a Zelle transaction for {$300.00} to XXXX on XX/XX/2020 for the purchase of a transmission. Per the link sent via text message, the business name is XXXX XXXX XXXX, XXXX XXXX XXXX, the phone number they are texting and calling from is XXXX. 
Said they did NOT receive my payment, XXXX verified twice that they did receive my payment. Rep I'd been communicating with name XXXX and XXXX XXXX demanded a send an additional {$300.00} in order for them to give me a refund. Refused to send transmission and refused to refund my money. I have filed 3 disputes with my bank and they keep saying the money was received by XXXX XXXX XXXX. XX/XX/XXXX disputes manager says this is a scam but they can not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I FOUND SOME ACCOUNTS AND INQUIRIES REPORTING ON MY CREDIT FILE THAT DOES NOT BELONG TO ME. THE ACCOUNTS AND INQUIRIES DOES IS NOT AFFILIATED WITH ANY TRANSACTIONS THAT I HAVE ME. THE ACCOUNTS AND INQUIRIES WAS NOT AUTHORIZED BY ME. I AM ASKING THAT YOU PLEASE LOOK INTO THIS MATTER AND HAVE THE ACCOUNTS AND INQUIRIES REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2020-12-01 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-12-01 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation