vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: DC

Complaint narrative:
I applied for a refinance with Better.com. They took a {$550.00} upfront fee for appraisal services. I asked them specifically whether or not they serviced their own loans or if they sold them servicing released, and the agent confirmed they service their own loans. Much later, after the appraisal completed, I received documentation at closing indicating that this was incorrect and that in fact, they use a third party for servicing. This particular servicer is especially bad and has hundreds of complaints online. Had they correctly disclosed this information when I requested it I would not have move forward with the loan. I exercised my right to back out of the loan within 3 business days at the closing table, but this fee is not refunded because the appraisal had already happened.

However, I consider this a clear UDAAP violation -- I specifically requested this information, was provided the incorrect information, could not have reasonably otherwise avoided this risk or discovered the correct information from anyone else, and suffered specific financial loss as a result. Moreover, the appraisal has no practical value as other lenders have waived the requirement to even have one, so it serves no purpose or value to me as an end consumer, it only provided value ( and financial benefit ) to better.com.

While the latest loan estimate did note this, I would add that I received over 10 loan estimates from them, and several of them they admitted had been " generated in error '' due to a technical problem on their side, so there was no reasonable way for me to know what portions of the loan estimate were correct or incorrect. I have copies of emails stating the loan estimates were generated due to a computer glitch and to ignore them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: FL

Complaint narrative:
I am a victim of identity theft. Someone unknown to me is using my name and information and may attempt to access my accounts or open new unauthorized and fraudulent accounts. I filed the report XXXX with the FTC and contacted the creditors and bureaus

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 2020-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IL

Complaint narrative:
The financial institution in reference, received a deposit of {$81000.00} on XXXX. They suspended the account on XXXX without notice. I went to login online and was unable to and reached out immediately to find out why. Then the very next day on XXXX sent me an email stating they have closed the account. No transactions were made using this account, yet they closed it due to unusual activity. Not XXXX single action took place and within 3 days they denied me access to the account and requested proof of identity. I sent in both my previous and current drivers license and verifiers my XXXX and for over a week did not get a response from them. Nor did they give me any additional info as to whats going on. So for over the past month I have emailed and called endlessly to get a resolution but there has not been XXXX. When asking about the balance of the account, they have said they are not releasing it and Im not sure why.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-09-15 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: NJ

Complaint narrative:
I have reviewed my credit report, and there is information that I have discovered which is not mine. I do not recognize this account and inquiries, and have never incurred debt with these creditors. I do not know where they came from. I do not have access to the documents related to this account, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

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 2020-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I wrote to bank to ask if an old account was still open. Bank will not respond.

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 2020-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: CA

Complaint narrative:
On XX/XX/2020, I received XXXX letters from American Coradius International ( ACI ) LLC dated XX/XX/2020. XXXX letter was addressed to me and stated they are trying to collect {$610.00} on behalf of XXXX. The other letter is addressed to my wife, trying to collect {$940.00} on behalf of XXXX ( see attached documentation ). After contacting XXXX, I was told that neither of these charges came from their office and the account number associated with ACI 's claim does not exists. Additionally, ACI has used both our middle names, which is not listed in any account information with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: NY

Complaint narrative:
wrote to KeyBank to ask them if an old account is still open. They ignored me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: OH

Complaint narrative:
These are accounts are incomplete and can not be verified on Equifax, please delete. 

# XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Because of COVID and a health issue, I am unable to pay the balance on my ATT-Universal Credit Card issued by Citigroup. On XX/XX/XXXX I wrote Chairman XXXX XXXX, CEO XXXX XXXX, and President XXXX XXXX and sent the letters by XXXX with a signature receipt, which I received back. In the letters I explained my situation asking for a lower interest rate on my card or a personal loan in order to pay my debt. I waited for several weeks but never heard back. In XXXX I made several attempts to contact a person with authority to help me but was given the " runaround '' and was unable to do so. Finally, on XX/XX/XXXX or XXXX, I spoke with a representative who told me that I had put a " cease and desist '' request on my account which was why no one replied to me. I told her that I had not done so. On XX/XX/XXXX I received a form letter, unsigned, regarding the 'cease and desist '' order informing me because I had done that they could not offer me a lower interest rate or payment accommodations. I called the number in the letter and spoke with a " XXXX '' in Arizona who informed me that to remove the order that I had to agree over the phone to several onerous provisions which I declined in order to protect my position. I believe that this whole process of preventing me frm resolving my issues is unlawful and reminescent of the XXXX XXXX criminal activity a few years ago. I am a veteran and XXXX years of age.

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 2020-09-15 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: OH

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2020-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
on XX/XX/XXXX i found a summons to appear in count from Portfolio Recovery Associates on the outside of my fence on the ground, the date on the Summons is XX/XX/XXXX, the Attorneys for Portfolio Recovery Associates who's address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA, XXXX is the same address as Portfolio which seemed fake to me, so i went to the Court ( XXXX XXXX Justice Court ) to see if this was real and they confirmed that it was real, so i paid {$60.00} dollars which i did not have to spare to answer this summons, Portfolio Recovery is claiming i owe them {$2600.00} for a XXXX XXXX XXXX XXXX XXXX, in the Summons Portfolio claims " they took an assignment of the account in good faith, for value and in the regular coarse of business. '' in this Summons Portfolio shows no evidence of a contractual agreement, no paper trail of amounts such as purchases, late fees attorney fees, interest etc, I believe Portfolio bought this debt for XXXX on the dollar and thought they could intimidate me with this law suite to win by default hoping i wound not respond, in XXXX i was diagnosed with non curable XXXX XXXX and after 6 months put on XXXX XXXX   XXXX with the State of Arizona so i still have no money and have nothing to give these intimidating THIEFS, i am afraid to contact Portfolio Recovery Associates since i filed my Summons answer to ask them to send me proof of documentation because i dont want to say the wrong thing and incriminate myself, Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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 applied for a XXXX credit card today XX/XX/20 and I was not approved because apparently there are two accounts in negative standing appearing on my credit history. I was not aware that there were accounts in negative standing on my credit report and when I looked through a copy of my report, I realized that those accounts are not mine. The accounts that do not belong to me are from two companies which are  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am not affiliated to these companies in any way ; I do not have any written or verbal contract with them nor did I gain anything from these accounts that were opened without my permission such as money, goods, services or any other benefit. I also did not take part in any payments that might have been made towards these accounts. I have already filed a police report regarding these suspicious accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: NJ

Complaint narrative:
I have reviewed my credit report, and there is information that I have discovered which is not mine. I do not recognize this account and inquiries, and have never incurred debt with these creditors. I do not know where they came from. I do not have access to the documents related to this account, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

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 2020-09-15 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: NJ

Complaint narrative:
I have reviewed my credit report, and there is information that I have discovered which is not mine. I do not recognize this account and inquiries, and have never incurred debt with these creditors. I do not know where they came from. I do not have access to the documents related to this account, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: FL

Complaint narrative:
I am a victim of identity theft. Someone unknown to me is using my name and information and may attempt to access my accounts or open new unauthorized and fraudulent accounts. I filed the report XXXX with the FTC and contacted the creditors and bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: AR

Complaint narrative:
I have been going back and forth with XXXX, TransUnion and XXXX  on these accounts that reporting on my credit report. I reached out to them on XX/XX/2019 with no response from them at all. I have called about these items and disputed with a dispute Representative and still no outcome about theses accounts they just update with nothing changing. These accounts has been in forbearance with no payments that have to be made on them and I take care of my responsibility with keeping them in forbearance every year. These accounts are reporting current, then 90 days late, 120 days late, 120 days late, and 120 days late. How can that be when I have never been late and how can that be without being 30, 60, 90, and then 120 days late that mean it's not reporting correctly and the late payments need to be removed or updated to current. They have also felt to send me validation of how they got they information  showing me to be late 90 days, 120 days late on these accounts with the Dept of Education/XXXX. I sent out XXXX letters to each bureau with no response from either bureaus. I just want this fixed and to report correctly.

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 2020-09-15 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: AR

Complaint narrative:
I have been going back and forth with Experian, XXXX  and XXXX  on these accounts that reporting on my credit report. I reached out to them on XX/XX/2019 with no response from them at all. I have called about these items and disputed with a dispute Representative and still no outcome about theses accounts they just update with nothing changing. These accounts has been in forbearance with no payments that have to be made on them and I take care of my responsibility with keeping them in forbearance every year. These accounts are reporting current, then 90 days late, 120 days late, 120 days late, and 120 days late. How can that be when I have never been late and how can that be without being 30, 60, 90,  and then 120 days late that mean it's not reporting correctly and the late payments need to be removed or updated to current. They have also felt to send me validation of how they got they information showing me to be late 90 days, 120 days late on these accounts with the Dept of Education/XXXX. I sent out 13 letters to each bureau with no response from either bureaus. I just want this fixed and to report correctly.

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 2020-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: FL

Complaint narrative:
Because of being diagnosed with XXXX XXXX I was forced to break my lease early due to quarantine and travel restrictions to XXXX XXXX in XXXX fl. 
I contacted the the main office but due to covid 19 they would not let anyone in I did finally get to speak to someone in the office through a cracked open door. explained the above to them. and they would pass it on to the proper person. 
i left the apt in perfect condition as good or better than when we rented it. i did not hear back from them till i received a bill for more than three times what i would of expected. again I emailed the to explain the bill and show charges and credit for my deposit. But never heard back. 
Then I started to get phone calls from someone who never identified them selves. some call were as late as XXXX. finally receives an email that i responses to by mail. so far I have not heard back but they reported me to the credit bureau. 
the collection agency is Hunter Warfield -- XXXX XXXX XXXX XXXX XXXX fl XXXX Account number XXXX For XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX   XXXX Ga. 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