vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I sent letters on XX/XX/2021 to the 3 major credit bureaus about things that are completely wrong on my credit report and have not heard responses from either bureau. I want an investigation and the damaging items to be removed so I can move forward with trying to get a loan for a house.

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 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I sent letters on XX/XX/2021 to the 3 major credit bureaus about things that are completely wrong on my credit report and have not heard responses from either bureau. I want an investigation and the damaging items to be removed so I can move forward with trying to get a loan for a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
PHH MORTGAGE you keep claiming that your sending my escrow refund check but you are SENDING IT TO THE WRONG ADDRESS. I DO NOT LIVE THERE. I have provided my current address to you on my previous 5 complaints and you have not responded. You overnighted my check to THE WRONG ADDRESS. Its evident PHH MORTGAGE has my current address because you keep sending letters to my current address.. I have it attached.

PHH MORTGAGE you have failed to provide my with my refund since XX/XX/XXXX after I have provided you with my current address numerous times. Therefore, effective today XX/XX/XXXX, PHH MORTGAGE will be charged a late fee of {$35.00} monthly until I have received my check. 
Once again, I have attached my current address.

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 2021-08-02 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: FL

Complaint narrative:
Experian has an address of XXXX XXXX XXXX, XXXX, NY XXXX on my account ; I do not live there or have ever lived there.

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 2021-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I am a victim of Identity theft. Please delete or remove this item on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
I originally had a {$160000.00} loan with XXXX XXXX in XX/XX/XXXX. The loan went to DiTech XXXX, and then ended up with NewRez. I paid the balance of the loan on XX/XX/XXXX, it was {$74000.00}. I have spoken to numerous representatives over at NewRez and they all state that there is a XXXX Balance. 

However, when I went to sell the property, the title examiner is saying that there is no discharge or lien release of that original {$160000.00}. So they are holding back my money until I can get this resolved.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: PA

Complaint narrative:
I need the consumer protection to contact the 3 credit report bureaus to restore the score to the point it was before I interacted with the office in XXXX. You have documents of before and after score which is not possible. You can even ask the companies. 

On XX/XX/2021 I applied for a mortgage at a company in XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX. I told the lady my basic information and she said I will have no issue being pre approved. She then about a week or two later said I can not be approved for the convention loan, she was rushing to get off the phone with me. I then emailed her and said I wanted the FHA loan, she never responded to me. I then called another mortgage broker based out of RI within the 30 day silo or shop around period, he pulled my credit and now the median score was 21 points lower. I then called another XXXX XXXX XXXX in PA and they said they would have given me the FHA loan. I tried to call XXXX XXXX XXXX in XXXX from a different phone number I got an answer and the lady said it could be possible to transfer my file to a different office.This office in XXXX is discriminating against me. This does also not explain why my score dropped so much, when it should not have because I was in the 30 day period to shop around for a loan.

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 2021-08-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Williams & Fudge, Inc
State: MO

Complaint narrative:
Predatory Debt Collector refuses to state when Statute of Limitations on my debt expires. Company clearly, as shown in attached documents, altered dates and added a " phantom '' repayment unsupported by their primary documents to add a year onto repayment term so that they could avoid Statute of Limitations for Student Loan debt, which was set to expire only a few months after their purchase of alleged debt from XXXX  XXXX XXXX. Used falsified dates to create legal documents for another debt collector to pursue legal action against me and my father.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX  and Bank of America continue to list me as having an active Bank of America account, which is actually in my ex-spouse 's name. I have twice filed a dispute with XXXX  and Bank of America, and Bank of America rejected my first dispute out of hand ( XXXX ) and the second is pending ( XXXX ), though I expect another rejection. I have been divorced from my ex-spouse since XXXX of XXXX and have not had any knowledge of, or access to, this Bank of America account. I offered to send proof of divorce or other supporting documentation to Experian and BofA, and BofA merely denied the dispute with no reason. When I contacted Bank of America directly ( which, by the way, is impossible if you don't have an account -- there's some irony for you ) I was told I don't have any accounts with them, and I'm not listed on my ex-spouse 's accounts as an authorized user. I have asked y ex to confirm that I'm not on any of his accounts, and he has confirmed that. My credit score has been negatively affected by purchases my ex has made on this account, and I can't challenge it because BofA erroneously refuse to remove this account from my 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 2021-08-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I have been paying back XXXX ' XXXX  which go back to XXXX. According to XXXX this loan is forgivable because of age. 
I have contacted Navient numerous times about their non-compliance with the lawsuit decisions. 
I finally wrote to XXXX XXXX, President and CEO, who turned my issue over to XXXX XXXX, Office of the Customer Advocate. 
Ms. XXXX agreed to stop telephone calls demanding payment, as well as mailings doing the same. She further agreed to work with me by sending application materials for loan forgiveness. I've never received the documentation, and telephone calls have been coming in hot and heavy under cover of anonymity, the latest being today, XX/XX/XXXX, at XXXX XXXX  XXXX. 
As I understand the decision in XXXX XXXX, this is not the kind of service I should be receiving.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MD

Complaint narrative:
I XXXX, XXXX the consumer natural person am challenging the validity of this alleged bankruptcy you have listed on my reports. I recently Challenged this same account with the credit reporting agencies and they came back stating that they have verified this account with Lexis Nexis. I have went to the courthouse, and they have also stated they did NOT verify this information. Please send me whatever documents of information you have personally used to verify this alleged bankruptcy, immediately. If you can not produce such documents this bankruptcy needs to be removed from my file as it is defaming my character. An please contacts all credit reporting agencies XXXX, XXXX  and XXXX  to have this bankruptcy remove immediately. The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have been disputing 2 different accounts that I feel are showing up on my credit report in error and have not received a response from the credit bureaus. I have sent several letters to the credit bureaus to investigate these accounts. I started this process on XX/XX/XXXX initially to get this erroneous information removed from my credit report as it is inflicting serious damage to my score. I received a response from that dispute. However, I sent another letter to them XX/XX/21 and XX/XX/21 and received no response. I feel like my requests are being ignored and a proper investigation has not been given. There are clearly errors that I have pointed out in the letters that I have sent. It is my right to have my credit report present accurately and without errors. In addition to that, I have also been requesting that my personal information be updated. I have requested this several times. I do not want several variations of my name appearing on my credit report or several different addresses. I have expressed how my name needs to appear across all 3 credit bureaus and my current address and for good reason. With identity theft at an all time high, I think this is very necessary to help to reduce the chances of this happening to me. I feel like my rights are being violated and I want these issues to be fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX, My loan was sold to Westlake Portfolio Management from XXXX XXXX XXXX. I contacted Westlake Portfolio Management today XX/XX/XXXX, to settle the debt. My loan started XX/XX/XXXX, purchasing a XXXX XXXX XXXX XXXX for {$15000.00}. I offered Westlake Portfolio Management {$5500.00} to pay of the loan due to me leaving XX/XX/XXXX to join the XXXX XXXX. I was advised by Westlake Portfolio Management they are unable to settle the debt based on their provisions. However, they were unable to send me an agreement that state they could not settle the debt. I also never signed an agreement with Westlake Portfolio Management. To date, I have paid {$26000.00} towards the loan. I do not think the offer is inappropriate being as though the additional money given was {$10000.00}. I also asked for Westlake Portfolio Management and XXXX XXXX XXXX contract agreement with all payments. After everything was transferred my amount increased and not sure if any additional fees or interest were added.

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 2021-08-02 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian and XXXX  XXXX XXXX continue to list me as having an active XXXX  XXXX XXXX account, which is actually in my ex-spouse 's name. I have twice filed a dispute with Experian and XXXX  XXXX XXXX, and XXXX  XXXX XXXX rejected my first dispute out of hand ( XX/XX/XXXX) and the second is pending ( XX/XX/XXXX), though I expect another rejection. I have been divorced from my ex-spouse since XXXX of XXXX and have not had any knowledge of, or access to, this XXXX  XXXX XXXX account. I offered to send proof of divorce or other supporting documentation to Experian and XXXX, and XXXX merely denied the dispute with no reason. When I contacted XXXX XXXX  XXXX directly ( which, by the way, is impossible if you don't have an account -- there's some irony for you ) I was told I don't have any accounts with them, and I'm not listed on my ex-spouse 's accounts as an authorized user. I have asked y ex to confirm that I'm not on any of his accounts, and he has confirmed that. My credit score has been negatively affected by purchases my ex has made on this account, and I can't challenge it because XXXX erroneously refuse to remove this account from my 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 non-monetary relief
Consumer complaint received 2021-08-02 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 need the consumer protection to contact the 3 credit report bureaus to restore the score to the point it was before I interacted with the office in XXXX. You have documents of before and after score which is not possible. You can even ask the companies. 

On XX/XX/2021 I applied for a mortgage at a company in XXXX called XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX. I told the lady my basic information and she said I will have no issue being pre approved. She then about a week or two later said I can not be approved for the convention loan, she was rushing to get off the phone with me. I then emailed her and said I wanted the FHA loan, she never responded to me. I then called another mortgage broker based out of RI within the 30 day silo or shop around period, he pulled my credit and now the median score was 21 points lower. I then called another cross country mortgage in PA and they said they would have given me the FHA loan. I tried to call cross country mortgage in XXXX from a different phone number I got an answer and the lady said it could be possible to transfer my file to a different office.This office in XXXX is discriminating against me. This does also not explain why my score dropped so much, when it should not have because I was in the 30 day period to shop around for a loan.

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 2021-08-02 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 need the consumer protection to contact the 3 credit report bureaus to restore the score to the point it was before I interacted with the office in XXXX. You have documents of before and after score which is not possible. You can even ask the companies. 

On XX/XX/2021 I applied for a mortgage at a company in XXXX called XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX. I told the lady my basic information and she said I will have no issue being pre approved. She then about a week or two later said I can not be approved for the convention loan, she was rushing to get off the phone with me. I then emailed her and said I wanted the FHA loan, she never responded to me. I then called another mortgage broker based out of RI within the 30 day silo or shop around period, he pulled my credit and now the median score was 21 points lower. I then called another cross country mortgage in PA and they said they would have given me the FHA loan. I tried to call cross country mortgage in XXXX from a different phone number I got an answer and the lady said it could be possible to transfer my file to a different office.This office in XXXX is discriminating against me. This does also not explain why my score dropped so much, when it should not have because I was in the 30 day period to shop around for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter on XX/XX/2021, as of today it's 53 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. XXXX XXXX  XXXX : Account number : XXXX FDCPA section 807 Violation misleading false reporting. Please delete. 

2.XXXX : Account number : XXXX Please remove this account from my credit report. This account is reporting inaccurately. 

3. XXXX XXXX  : Account number : XXXX I dont recall being late. Please update to 100 % paid as agreed. 

4. XXXX XXXX XXXX : Account number : XXXX Please remove this account from my credit report. This account is reporting inaccurately. 

5. XXXX XXXX : Account number : XXXX The balance appears wrong. Please delete at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX I attempted to access my account on Coinbase where I have over {$100000.00}. 
I received a message saying that before I could log on I would need to change my password. The system would not allow me to do so at the time, but finally on XX/XX/XXXX I was able to reset it. However then I received a message that my account had been disabled. When I inquired I received a message saying a specialist would review my case and contact me in 4-5 business days.

Since then my account has been disabled and I have received no further messages from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: PA

Complaint narrative:
My wife and I had a loan with Homepoint Financial in XXXX TX. Our home is located in XXXX, PA. The loan was an FHA backed loan. We wanted to refinance in order to remove the PMI that we were paying. We worked with Homepoint to accomplish this. As we approached closing I noticed the estimated payment was really high. I finally determined that they had entered in the tax information incorrectly. They had taken our small local property tax bill and inflated to be almost 6 times the size. That meant our payment was estimated to be {$350.00} more a month than was anticipated. I was told that to revise would push the closing way out, but I could submit the tax documents and get the escrow amounts reanalyzed right after closing. I called and asked how to do that and was informed that it was not something they could do, and that they had to wait three months before they could adjust. While I understand that there may be policies in place, they lied to me in the process of setting up the loan, it ultimately meant I had to bring more to the table to close to start the new loan with a much larger balance. It also means that I am paying extra into an escrow account that will ultimately be overfunded.

If they had been honest up front we could have planned for it. Very disappointed. I did share with them that I would be filing a complaint for their deceptive practices.

I am including e-mail conversations between myself and the folks at homepoint. Who continued to claim it was an issue of them having to pay the taxes but it would not affect the monthly payment. The reality is they collected too much escrow and too much each month.

Company response to consumer: Closed with explanation