vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: DE

Complaint narrative:
I contacted XXXX XXXX, a realtor, about buying a house in XX/XX/XXXX. She highly recommended XXXX XXXX as a mortgage originator. I first spoke to XXXX XXXX around XX/XX/XXXX about applying for a mortgage loan and at the time my credit finances were not in order to qualify for a mortgage loan. I contacted him again in XX/XX/XXXX as my finances and credit would now qualify me for a mortgage loan. In all of the conversations throughout the years I stated I wanted to use my veterans status to qualify for a VA mortgage. When I first inquired about a mortgage loan I worked at my job for two years, which was an incentive based job and that qualified me for a VA loan at that time. I left that job and started a position with a different company that was salary based for 1 year. I then started a job that was once again incentive based, which I am currently working at and have been for 1 year and 6 months. When I once again spoke to XXXX in XXXX I indicated my work history was 2.5 years of incentive based income XX/XX/XXXX-XX/XX/XXXX, 1 year of salary based income XX/XX/XXXX-XX/XX/XXXX, and now 1 year and 6 months of incentive based income XXXX-current. I have included the timeline of conversations with XXXX. 

XX/XX/XXXX - I was pre-qualified for my mortgage XX/XX/XXXX - XXXX confirmed that I would qualify for a VA supplemental loan XX/XX/XXXX - The underwriting process started with AnnieMac for my VA loan XX/XX/XXXX - Transfer of funds from XXXX mutual fund for the FHA mortgage loan closing cost. 
XX/XX/XXXX - I send XXXX my W-2s confirming my work history : XXXX, XXXX, and XXXX XXXX. 
XX/XX/XXXX - I met with XXXX to discuss my financial status and credit worthiness XX/XX/XXXX - I emailed XXXX my assets that would improve my financial worthiness. 
XX/XX/XXXX - I was conditionally approved for a mortgage loan. 
I did not confirm if I was approved for the VA mortgage loan, however I never discussed any other type of mortgage loans other than the VA mortgage loan. I felt ask if XXXX know I had access to the assets if needs to cover mortgage cost, however I did not need those assets to cover any mortgage loan cost or fees. 

I reported my grievances through a company survey. I reported the following : 1. Taxes paid due to using mutual funds for closing cost. 
2. Having to pay mortgage insurance premium ( MIP ) with the FHA mortgage loan that does not benefit me at all. 
3. Not having the opportunity to ask for 6 % closing cost with FHA loans, compared to VA loan that has a maximum of 4 %. 
4. Not having a the opportunity to work overtime to pay of closing cost or the FHA mortgage loan. 
5. Not having the opportunity to use the Supplemental Funds with a VA loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 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: ENOVA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
I discovered that Headway Capital , LLC accessed and reported supplemental information about my to XXXX, and utilized 3 services to do so : XXXX XXXX XXXX, XXXX, AZ, and XXXX, XXXX. 

These inquiries were never requested by me, this company never had my direct authorization, and I have never shopped for a loan of this type. They do not have a completed and signed application from me, they do not have my signature on file, and they do not have my permission to do this. 

The result is that new derragatory and inaccurate data is now on my credit report, meaning they utilized and pulled an incorrect XXXX XXXX from XXXX County, AZ, and is showing I have a property tax bill of {$1400.00} unpaid, when I have never owned a house in Arizona. 

DETAILS : 1 ) I have never heard of this company, nor ever conducted business with this company. 
2 ) On XX/XX/2019 Headway Capital , LLC initiated a XXXX  report on me, and listed their names in the Supplement Information Section, as 3 inquiries, each as : Checking Account and Demand Deposit Account ; Supplement Public Records ; and Supplement Consumer Credit. 
3 ) All 3 of these inquiries shows Headway Capital LLC, accessing my data from XXXX  XXXX, XXXXAZ, and XXXX. 
4 ) I never gave them any information on myself, and never sought them directly to engage in business. 
5 ) This company does not have any authorization from me to run these inquiries and furthermore post their findings on my credit bureau. 
6 ) I am seeking full remedies and course of action against them. 
7 ) I expect full resolution and removal of all 3 instances from my XXXX   Credit Report by them. 
8 ) I do expect an apology in addition to this. 
9 ) Again, this company does not have my consent, nor my explicit authorization. They have never received it verbally, or in writing. I have never engaged with them directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: OH

Complaint narrative:
The company added a collection to my credit report without my knowledge. I called and spoke to someone in their customer service department and they advised that the account was FDCPA violations! 

I request IC verify the following information : 1 - Full original account number 2 - Date original account was opened 3 - Any written and signed agreement between myself & original credit stating that the debt is owed 4 - Full account summary and itemized calculation of alleged debt 5 - Date of first alleged delinquency 6 - Dates and times of any phone calls made and to what number in attempt to contact me before it was reported to the agency, and so proving that these calls were made during the times governed by FDCPA law. 

If IC is unable to provide the above identifying account information, this account must be deleted from all CRA 's. 

IC also failed to follow FDCPA by not sending a letter giving the consumer time to dispute the validity of the alleged debt. I eventually received this letter dated XX/XX/XXXX although it is reporting on my credit as XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 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: AZ

Complaint narrative:
I discovered that XXXX XXXX , XXXX accessed and reported supplemental information about my to TransUnion, and utilized 3 services to do so : XXXX  XXXX  XXXX, XXXX, AZ, and XXXX, XXXX. 

These inquiries were never requested by me, this company never had my direct authorization, and I have never shopped for a loan of this type. They do not have a completed and signed application from me, they do not have my signature on file, and they do not have my permission to do this. 

The result is that new derragatory and inaccurate data is now on my credit report, meaning they utilized and pulled an incorrect XXXX XXXX from XXXX County, AZ, and is showing I have a property tax bill of {$1400.00} unpaid, when I have never owned a house in Arizona. 

DETAILS : 1 ) I have never heard of this company, nor ever conducted business with this company. 
2 ) On XX/XX/2019 XXXX XXXX , XXXX initiated a TransUnion report on me, and listed their names in the Supplement Information Section, as 3 inquiries, each as : Checking Account and Demand Deposit Account ; Supplement Public Records ; and Supplement Consumer Credit. 
3 ) All 3 of these inquiries shows XXXX XXXX XXXX, accessing my data from XXXX  XXXX, XXXXAZ, and XXXX. 
4 ) I never gave them any information on myself, and never sought them directly to engage in business. 
5 ) This company does not have any authorization from me to run these inquiries and furthermore post their findings on my credit bureau. 
6 ) I am seeking full remedies and course of action against them. 
7 ) I expect full resolution and removal of all 3 instances from my Transunion Credit Report by them. 
8 ) I do expect an apology in addition to this. 
9 ) Again, this company does not have my consent, nor my explicit authorization. They have never received it verbally, or in writing. I have never engaged with them directly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-16 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: AZ

Complaint narrative:
I discovered that American Web Loan accessed and reported supplemental information about me to TransUnion, and utilized 2 services to do so : XXXX, AZ, and XXXX, XXXX. 

These inquiries were never requested by me, this company never had my direct authorization, and I have never shopped for a loan of this type. They do not have a completed and signed application from me, they do not have my signature on file, and they do not have my permission to do this. 

The result is that new inaccurate data is now on my credit report, meaning they utilized and pulled an incorrect XXXX XXXX from XXXX XXXX, AZ, and is showing I have a property tax bill of {$2400.00} unpaid, when I have never owned a house in Arizona. 

DETAILS : 1 ) I have never heard of this company, nor ever conducted business with this company. 
2 ) On XX/XX/2018 XXXX XXXX XXXX initiated a TransUnion report on me, and listed their names in the Supplement Information Section, as 2 inquiries, each as : Supplement Public Records ; and Supplement Consumer Credit. 
3 ) These inquiries shows XXXX XXXX XXXX, accessing my data from XXXXAZ, and XXXX. 
4 ) I never gave them any information on myself, and never sought them directly to engage in business. 
5 ) This company does not have any authorization from me to run these inquiries and furthermore post their findings on my credit bureau. 
6 ) I am seeking full remedies and course of action against them. 
7 ) I expect full resolution and removal of both these instances from my Transunion Credit Report by them. 
8 ) I do expect an apology in addition to this. 
9 ) Again, this company does not have my consent, nor my explicit authorization. They have never received it verbally, or in writing. I have never engaged with them directly.

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 2020-02-16 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: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
When I stopped doing business with XXXX they claimed I still had some hardware that I never had ( TV boxes when I only had internet from them ). Since then they have been trying to collect {$320.00} from me which they reported to the credit agencies. I disputed the first report but they just withdrew it and re-filed it under a different collection agency. There now seems to be a pattern as it has been filed and withdrawn by at least 4 different collectors so far making it impossible to properly dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Thaxton Investment Corporation
State: GA

Complaint narrative:
Hi my name is XXXX XXXX in XX/XX/2019 I received a check in the mail from Covington Credit that was cashable upon signing for {$560.00} to be paid back in 8 month installments of {$90.00}. with payments to start XX/XX/2019. I later got a call from South Carolina wanting to know if I had cashed the check. 
Within two weeks I got a letter from a office in XXXX, Ga. confirming the account. 
( XXXX ) Since that time I have attempted to PAYOFF this account. To date I have paid {$580.00} I am told I still owe {$220.00} Intrest. This is abusive. I want to pay it off without these excessive fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I received my credit card bill from Bank of America. I have been making payments towards this bill for a year. Each time I paid more than the minimum balance and each of those were paid on time. In XXXX, I paid my entire balance in full. Once again the payment was made on time. I thought that would be the end of it, " paid in full ''. Two weeks later I received a credit card bill from BOA. The charge was for interest, {$82.00}. When I called them to find out the reason, they informed me that because I did not pay the last two payments in full, the interest was added daily and that is how they computed the amount that I owe BOA. With this logic, that means that BOA charged me interest on the remaining balance that I paid off, and still charged interest on the grace period as well. I was being charged double for the same bill.

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 2020-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
they started all this XX/XX/XXXX, I have talked to synchrony bank many times I had first talked to an XXXX on XX/XX/XXXX and then XXXX after that I let them know that I am in very very financial hardships due to have XXXX to pay for and meds to pay for they have also told me on that day that I would have to pay to close the accounts I have never heard that in my life, these are supposed to be there programs to help people that doesn't help anyone especially someone that is sick, I have asked them to stop calling me and they continue to repetitively call many many times a day and harrarss me, even after telling them to stop.They have only sent out one letter to me that has the amount of which I just received on XX/XX/XXXX, I did send a cease and desist letter on XX/XX/XXXX and they received it on XX/XX/XXXX @ XXXX and I asked for a return receipt and they have still continued to call the next day many many times after receiving the letter. I have tried to work with them and they did not want to work with me I just want my accounts closed and I don't want to have to pay for them to be closed. This is ridiculous and I can see that they do this to people all the time. They are making me sicker then what I am, which is not good. I have never had bad credit or any problem with any business. If I have anything to say people will know about this .They also want to tell you where to pay your money to like interest and fees, which that can't be done if I am going to pay money you can not tell me where I have to pay it too! Please help someone that is going thru sickness and they just keep punching them and kicking them when they are down.. sorry if it's jumbled but I am so mad I am even having to deal with this right now. I really don't even want to have to talk with them if that is 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 2020-02-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: GA

Complaint narrative:
this is a mortgage company I never had a mortgage in my name they or asking {$69.00} dollars I like this off 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 2020-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Brown and Joseph, Ltd
State: VA

Complaint narrative:
Brown & Joesph is Pursuing and alleged collection for a XXXX XXXX   XXXX-XXXX  for an original Balance ( allegedly owed ) for {$130.00}. 

We have disputed the alleged debt for {$130.00} about 5 times ( with Proof ) and Brown & Joseph is sending collection notices on a Debt that is not owed for {$130.00} plus their fee. 

Below and Attached is our Dispute letter that XXXX received from me 3 times, in XXXX, XXXX and XX/XX/2019 with proof including a Copy of the Refund check and the email explaining that our Refund on a Pre-paid shipment in XXXX for {$130.00} was being mailed. 

XX/XX/2019 XX/XX/XXXX, XXXX We sent this letter to XXXX twice and they ignored it. 
And XX/XX/2019 From- XXXX  , XXXX XXXX XXXX, XXXX , VA XXXX TO : XXXX XXXX BILLING RE : XXXX  XXXX Your billing system is sending us an invoice for the - {$130.00} refund check that you elected to repay us for the service failures at the delivery. 

The attached alleged invoice for the same amount, {$130.00} is therefore disputed as not owed. 

Thank you for your help. 

- XXXX XXXX ( XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I contacted Best Buy Credit Card and notified them that I had an authorized card that was open up and was not me But i was the authorized for the account. It was a Trade-name that was being used which is unlawful, I had also written them a identified that this was a serious -error that i needed this matter to be corrected immediately. On XX/XX/XXXX I sent them a lawful order letter called a notice of error which was received by the alleged creditor by certified mail. I also told them to transfer me to the fraud dept to report the card as fraudulent which is was and told them that it needed to be corrected immediately which it hadn't. 

I spoke to their fraud dept and they gave me a case number and a told me that they were investigating it. 90 -days past so i contacted them again and nothing was done. I spoke to their dept called the CAA dept ans made a complaint again and reported it as fraud On XX/XX/XXXX. The rep representative told me that he didn't see any record of my previous complaint so he would have to make another complaint. This process took approximately four hours. This account is not in my name it's a fictitious -name i do not have any record of it and i don't know who this person is which is why i reported it as fraud in the first place. Using a fictitious in commerce is fraudulent, and there are several contractual defects associated with this matter. I called wrote letters they never fixed anything or did anything about it whatsoever. 

I also reported the account to the credit bureaus as well, nothing is getting done. I feel like im getting the run around and i need you to look into this for me please.

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 2020-02-16 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I got married XX/XX/2018 and changed my last name. I have been fighting with Experian since to change it to my legal married and they still refuse no matter what. I want my ladt name to finally be corrected after a year and s half of problems.Also want the extended fraud alert removed that I never asked for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: OH

Complaint narrative:
They added collection to my credit reports without accurately validating debt. I checked and cant verify their registration in Ohio. BOTH are FDCPA violations!

Jefferson Capital put collection on my credit report without accurately validating the following information as requested at least 5 times : I request that Jefferson Capital validate the following information : 1 - Full original account number and personal information associated with the account 2 - Date original account was opened 3 - Any written agreements between myself nd the original creditor stating that the alleged debt 4 - Full account summary and itemized calculation of alleged debt 5 - Date of first delinquency 6 - Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before and after it was reported to the CRA 's and so in proving that these calls were made in the times governed by the FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Hello, It appears the property taxes on my property have not been paid. I just received a NOTICE OF TAX ADVERTISEMENT from XXXX County on XX/XX/2020, stating that I have unpaid property tax dues of {$3300.00} ( including interest ). I have been paying my property tax escrows as part of monthly mortgage payment without missing a single payment. As per the closing disclosure, my monthly mortgage payment includes the following : Principal & Interest - {$1400.00} Mortgage Insurance - {$130.00} Escrow ( Property Taxes, Homeowners Insurance ) - {$320.00} Could you please ensure that Wells Fargo pays my taxes in full with interest to the county at the earliest? Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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