vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: AR

Complaint narrative:
We entered into a contract to purchase real estate on XX/XX/2020. We applied for a loan with US Bank on XX/XX/2020. We received our first set of early disclosures on XX/XX/2020. From the start of the application we have requested weekly updates. Starting in mid XXXX we were told we should be getting approval to move to closing soon. On XX/XX/XXXX we were told the application dropped out of the system and we needed to reapply. We submitted a new application on XX/XX/2020. We provided, as requested, the same supporting documents to the US Bank loan officer five times. We have continued requesting updates on the loan status and received assurances we should be ready to close soon. As of today, XX/XX/2020, we still have not been able to close on our real estate purchase.

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 2020-11-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My wife and I, applied and were tentatively approved for a V A refinance through Navy federal credit union ( XX/XX/2020 ). All concerning documents were then submitted numerous times as requested to loan officer ( XXXX XXXX ). But then Amid all transactions and setbacks lasting through ( XX/XX/2020 ), We then received a denial letter stating all requested documents were not received by them in a timely manner resulting in their actions. That was total XXXX and the LAZY ) loan officer assisting us as well as her supervisor knows the same. XXXX XXXX and her supervisor who phoned me during the aftermath should be fired..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: NC

Complaint narrative:
I have attempted numerous calls with the bureaus in attempt to remove collection accounts and an installment account on my credit report which were results of identity theft. The accounts are still listed on my credit report. I have attached the FTC report for my identity.

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 2020-11-05 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: IL

Complaint narrative:
The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report. 

I also sent a vaildation to Bankruptcy court and they stated that they don't report date to a 3rd party furnisher or company .. So it's impossible for them to hold this on my credit after the fact all of my info have a security freeze on it with all 3rd party furnishers.. 
XXXX XXXX  XXXX XXXX XXXX XXXX Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Was Sent Numerous Pre Qualified and or pre approved offers and was not approved for any of the cards I should have gotten based on the credit card offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: VA

Complaint narrative:
I have already submitted a complaint with the CFPB regarding a matter with Loan Depot and received an e mail stating the that company responded but I am not able to see their response when I sign onto CFPB. I DO NOT want this complaint closed until there is a resolution. 

Rather than repeat the entire story please retrieve my complaint against them and re-activate it or I will proceed to file new complaints until the matter is resolved. They " Pre Qualified '' me for a loan and then denied it after I spent over {$1100.00} to purchase my first home. They denied me for something that I was not even financially responsible for and I am livid, not only because they denied me the purchase of a home as a first time home buyer which they " Pre Qualified " me for and the {$1100.00} that I am out but the fact that they should have asked me about the concern/issue during the " pre qualification '' process. 

I will not leave this alone until there is an acceptable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio Recovery XXXX XXXX XXXX has contacted me daily for about 2 weeks and counting, about 2-3 calls a day. To my knowledge, I do not have any outstanding debts with any debt collectors. Nor have I received any notification via mail of an outstanding debt. 
I have spoken with the company directly and was instructed that they would stop calling aka put me on a do not call list. The phone calls still continue and my frustration only grows fonder. 
Portfolio Recovery is harassing me via phone and I would like to put a stop to this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-05 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: NC

Complaint narrative:
I have attempted numerous calls with the bureaus in attempt to remove collection accounts and an installment account on my credit report which were results of identity theft. The accounts are still listed on my credit report. I have attached the FTC report for my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: NC

Complaint narrative:
I have attempted numerous calls with the bureaus in attempt to remove collection accounts and an installment account on my credit report which were results of identity theft. The accounts are still listed on my credit report. I have attached the FTC report for my identity.

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 2020-11-05 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: CA

Complaint narrative:
i personally submitted this request to all three credit bureaus. I went to XXXX XXXX  in XXXX XXXX to apply for a lease and was denied due to accounts reporting negative on my credit report that are not mine. I saw on my credit report these accounts that are not mine as follows : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX/XXXX  XXXX XXXX. I never opened these accounts, nor did I authorize anyone to do so. These accounts are not mine, and I never possessed any goods, money, or services from these accounts being opened. I filed a police report with the XXXX XXXX Police department, as well as adding a fraud alert to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: CA

Complaint narrative:
i personally submitted this request to all three credit bureaus. I went to XXXX XXXX  in XXXX XXXX to apply for a lease and was denied due to accounts reporting negative on my credit report that are not mine. I saw on my credit report these accounts that are not mine as follows : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX, XXXX/XXXX  XXXX XXXX. I never opened these accounts, nor did I authorize anyone to do so. These accounts are not mine, and I never possessed any goods, money, or services from these accounts being opened. I filed a police report with the XXXX XXXX Police department, as well as adding a fraud alert to my account.

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 2020-11-05 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: ND

Complaint narrative:
On XXXX, I sent Transunion a letter notifying them about 4 unauthorized addresses, 2 unauthorized phone numbers and 4 unauthorized regular inquiries which do not belong to me. I attached a recent report outlining the unauthorized items. On XXXX, my letter was delivered to Transunion according to the green return receipt card. On XXXX, Transunion sent me report # XXXX dated XXXX with dispute results which clearly shows Transunion is continuing to report 2 unauthorized addresses and 4 unauthorized regular inquiries which is against federal law. They have failed to delete the 4 unauthorized regular inquiries and 2 unauthorized addresses. I have attached a copy of the letter Transunion received dated XXXX, a copy of the USPS certified mail receipt dated XXXX, a green return receipt received date XXXX and the updated Transunion credit report # XXXX dated 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 2020-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
XXXX in XXXX contacted me regarding some devices in my account ( 1 router and 2 cable boxes ) to be returned. I had cancelled the account in XXXX and they needed these devices back to clear my balance. I mailed them in XX/XX/XXXX. Months later for my surprise the account had been placed into collection. I called XXXX several times to dispute this and they told me that this needed to be fixed/negotiated directly with the collector. In XX/XX/XXXX I contacted the Department of Consumer and Worker Protection in XXXX. A financial counselor from this department suggested that I should request verification of this debt and settle the account for any charges that I recognized. Perhaps, I decided to call the collector and negotiated this account in XX/XX/XXXX. I wanted to close this and I was tired of trying to fix this for almost 2 years. I always make every effort to pay my debts and fulfill my responsibilities, In this instance I feel that is not fair this account continues reflected into collection. I have paid it. 
Under the federal Fair Debt Collection Practices Act, a debt collector generally is a person or a company that regularly COLLECTS DEBTS OWED TO OTHERS, usually when those DEBTS ARE PAST-DUE. Based on the information provided above, this debt is no longer in collection. This is not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XXXX, XX/XX/XXXX, and XXXX and XX/XX/XXXX XXXX XXXX added a derogatory mark on my credit report per Experian and XXXX. XXXX, however, quickly updated my records as requested and found that I was never late with payment. Upon further research, this account was a part of a lawsuit that was just that found XXXX  at fault for a policy of allowing dealers to increase or markup consumers risk-based interest rates, and paying dealers from those markups, and that the policy lacked adequate controls or monitoring. As a result, it was found that that the markup policy resulted in XXXX American, XXXX, XXXX and XXXX XXXX borrowers paying more for auto loans than similarly situated XXXX XXXX  borrowers. As an XXXX American I also feel they reported my payments late right after was awarded to those affected by their ethics. I was never late with my payments and therefore asked that my payment history be corrected to reflect my on-time payment history. There was NO written form of communication, contract, or signature for this accused late payment. A bill without a signature does not validate my payment being late and anyone could change the date the payment was received to another date. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I am requesting legal action to update my payment history 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 2020-11-05 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: NY

Complaint narrative:
I have 2 inquiries on Equifax and 1 inquiry on XXXX  that do not belong to me and I have reached out to the banks and they told me they will remove it and that I should also to reach out to the credit bureaus, I have done so. As of today they are still on my report. This is causing me major damage in obtaining a mortgage and financial damage. 

The inquiries are : XXXX XXXX and XXXX  on XX/XX/20 EQUIFAX XXXX XXXX on XX/XX/20 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
On XXXX, XX/XX/XXXX, and XXXX and XX/XX/XXXX Ally Financial added a derogatory mark on my credit report per XXXX  and XXXX. XXXX, however, quickly updated my records as requested and found that I was never late with payment. Upon further research, this account was a part of a lawsuit that was just that found Ally at fault for a policy of allowing dealers to increase or markup consumers risk-based interest rates, and paying dealers from those markups, and that the policy lacked adequate controls or monitoring. As a result, it was found that that the markup policy resulted in XXXX American, XXXX, XXXX and XXXX XXXX borrowers paying more for auto loans than similarly situated XXXX XXXX borrowers. As an XXXX American I also feel they reported my payments late right after was awarded to those affected by their ethics. I was never late with my payments and therefore asked that my payment history be corrected to reflect my on-time payment history. There was NO written form of communication, contract, or signature for this accused late payment. A bill without a signature does not validate my payment being late and anyone could change the date the payment was received to another date. According to the FCRA, Ally Financial has violated my rights as a consumer and I am requesting legal action to update my payment history 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 2020-11-05 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: NY

Complaint narrative:
I have 2 inquiries on XXXX  and 1 inquiry on Transunion that do not belong to me and I have reached out to the banks and they told me they will remove it and that I should also to reach out to the credit bureaus, I have done so. As of today they are still on my report. This is causing me major damage in obtaining a mortgage and financial damage. 

The inquiries are : XXXX XXXX and XXXX  on XX/XX/20 XXXX XXXX XXXX on XX/XX/20 TRANSUNION

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 2020-11-05 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: IL

Complaint narrative:
The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report. 

I also sent a vaildation to Bankruptcy court and they stated that they don't report date to a 3rd party furnisher or company .. So it's impossible for them to hold this on my credit after the fact all of my info have a security freeze on it with all 3rd party furnishers.. 
XXXX XXXX XXXX XXXX XXXX  XXXX Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report. 

I also sent a vaildation to Bankruptcy court and they stated that they don't report date to a 3rd party furnisher or company .. So it's impossible for them to hold this on my credit after the fact all of my info have a security freeze on it with all 3rd party furnishers.. 
XXXX XXXX XXXX XXXX XXXX XXXX Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: GA

Complaint narrative:
On XXXX, XX/XX/XXXX, and XXXX and XX/XX/XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX  and Transunion. XXXX, however, quickly updated my records as requested and found that I was never late with payment. Upon further research, this account was a part of a lawsuit that was just that found XXXX  at fault for a policy of allowing dealers to increase or markup consumers risk-based interest rates, and paying dealers from those markups, and that the policy lacked adequate controls or monitoring. As a result, it was found that that the markup policy resulted in XXXX American, XXXX, XXXX and XXXX XXXX borrowers paying more for auto loans than similarly situated non-XXXX XXXX  borrowers. As an XXXX American I also feel they reported my payments late right after was awarded to those affected by their ethics. I was never late with my payments and therefore asked that my payment history be corrected to reflect my on-time payment history. There was NO written form of communication, contract, or signature for this accused late payment. A bill without a signature does not validate my payment being late and anyone could change the date the payment was received to another date. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I am requesting legal action to update my payment history 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 2020-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: snapfi, inc.
State: CA

Complaint narrative:
Dear Sir, I was trying to refinance my existing mortgage in the first week of XXXX, and the lender ( snapfi.com ) gave me a quote ( 2.62 %, covering all my loan costs ) which attracted me to give them my documents and sign for the refinance. 

They confirmed that they have locked the rate and took three months to complete the necessary process. Now, in XXXX, after they finalized all the process, they confirm that the loan was approved, but the rate lock is gone and trying to cheat me with the higher rates. ( higher rates not disclosed to me yet ). 

I have given them all the documents within their proposed timeline and i am frustrated after waiting for 3 months of time and the loan is not going anywhere. 
They spoiled my credit history and asked me to pay for appraisal and couple of statements from my existing lender. 

They are not doing a fair business and i request you to help me by taking suitable action against them. 

https : //www.snapfi.com/ XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX  Branch ID XXXX Best regards, XXXX

Company response to consumer: Closed with explanation