vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: THE MONEY HOUSE, INC.
State: PR

Complaint narrative:
I have filed again and again complaints against Moneyhouse.Each time I submit a complaint they send the companys response is always the same bullshit.I have two different sales contract generated by Moneyhouse in their closing package.I have two insurance policies on the house.Both dated XXXX.One policy has a face value of $ XXXX.with a premium of XXXX.plus dollars.The other with the same coverage date and a face value of {$190000.00} and a premium of $ XXXX.Moneyhouse reps talk about my negligence in not having the home inspected.The form in the closing is blank.If they wanted to protect my interest and cover their corporate asses.They should have informed me about the importance of inspection and had me signed.Early XX/XX/2020 XXXX XXXX was getting sensitive financial records from me to proceed with the loan.Even though Moneyhouse is stating that the sales contract became effective XX/XX/2020, with two different contracts.I went to the Moneyhouse office in early XXXX at XXXX.I never visited this in office on XXXX.The mortgage process started in early XXXX I didnt get the necessary financial disclosure stated by Raspa.Closing documents I should have received 3 days before the closing.I received a day before.This process has a been scam.Cant believe the bad faith and deception of the Realtor and mortgage broker.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: CA

Complaint narrative:
My recent loan application with Better.com was denied after being pre-qualified and two weeks of processing. 

I was pre-approved on XX/XX/XXXX by mortgage lender Better.com. I went into contract on the purchase of a home on XX/XX/XXXX. My application was denied on the XX/XX/XXXX. 

Better stated they were denying my application due to a singular 30-day late payment on my credit report. I appealed their decision and provided proof the 30-day late payment was an oversight and not indicative of a trend. My credit score is ~XXXX. 

I'm complaining because 1 ) Better should never have pre-qualified me in the first place for a jumbo mortgage because they knew full well what was on my credit report as early as XXXX XXXX. 2 ) During the rate lock process Better went so far as to compete for my business by removing all points and origination fees after I told them I was going to proceed with another lender. Better wasted my time and put my purchase transaction at risk. The process is already stressful enough and they acted carelessly. 3 ) I don't believe they evaluated my application fairly. I suspect they denied my application for profitability reasons as they are pre-IPO. They used a minor infraction on my credit report as an excuse to deny a loan they weren't going to make any money on. 

Note : even after explaining the late 30 day payment was only a 34 day late payment of {$9.00}. I was able to demonstrate to Better that I have continually paid my credit card off in full. They were not satisfied with this explanation. They claimed they were following investor guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: IL

Complaint narrative:
This is the SECOND time this has happened with this company. 

This time, it is an XXXX XXXX XXXX bill. 
XXXX Acct : XXXX Afni Acct : XXXX {$35.00} balance due. 

Just like last time with XXXX, I called the one who is allegedly owed a debt, XXXX XXXX XXXX. 
They said that the account number wasn't a correct account number and therefore couldn't verify anything. I confirmed that they had no number with the name and they sent me to a fraud reporting line. 

I tried calling AFNI. They sent me to a supervisor 's line, but the supervisor wasn't there and it went to email. 

Please keep me informed on the results of this complaint in case I wish to pursue legal action. This is the second time I've had issues with this company. Last time, they threatened legal action against me if I didn't respond within a few days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: TX

Complaint narrative:
Over 10 months I mailed dispute letters to XXXX, Equifax, and XXXX regarding the correction of several inaccuracies on the following accounts XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - xx Pursuant to 15 U.S. Code 1692g, letters requesting the validation of debt were mailed on it's now XX/XX/20 directly to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX In accordance to 15 U.S. Code 1692g XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX were to provide a breakdown of what the past due balance is for and a copy of the original signed contract from the original creditor. As of today, the credit reporting agencies ( XXXX, Equifax, and XXXX ) and credit furnishers have yet to respond back to the disputes, debt validation, and section 609 requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Good day to you. I am sending in this complaint as a last-ditch effort to remove a bankruptcy that is being reported inaccurately on my Experian report. I have sent updated copies of my credit reports as well as my current XXXX XXXX report that shows that there is no bankruptcy in my public record. I have also attached a letter from XXXX XXXX that shows that Experian is not even responding to XXXX XXXX to remove this account. Please have them remove this as this is the 5th month I have disputed with Experian in a row with no success. I have been disputing this with them since XXXX of 2020. Thanks for your help in this matter. XXXX 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 2020-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/2020 I sent a letter regarding in accurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten into the wrong hands.

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 2020-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
There were so many issues with the closing of my loan. First off, the disclosure had the incorrect rate. Then contrary to my request another disclosure showed that I would be receiving cash back at closing. That happened twice ... My frustrating situation was escalated to a loan processing manager- XXXX XXXX . As the disclosure was still showing I would be receiving cash back and the process to get it fixed is quite time consuming once again delaying the closing, he offered me a {$200.00} Visa Gift card to instead apply the cash back towards principal. I accepted the offer to move forward with the loan with the disclosure as it was. This was in XX/XX/2020. About a month after my loan closed I followed up with XXXX to see about the gift card as I had not received it yet. He let me know that it was pending approval in accounting. About 3 weeks later I followed up again with no response ... A month later I reached out again with no response. Another month later I reached out ( XX/XX/XXXX ) and he said he was under the impression the gift card was already mailed out and that he would ensure it goes out that week. Still no gift card after that communication. In XXXX I contacted him again. He wrote that he had reached out several times for my gift card. To this day ( XX/XX/XXXX ) I still do not have the promised {$200.00} Visa gift card. It has been 6 months now since the closing of my loan. I feel I have been falsely promised something I would never receive just so I would agree to move forward with my loan without having the final disclosure updated again. In spite of that, at the end of my refinance I had 5 different versions of my closing disclosure!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
I sent a debt validation letter to MediCredit on XX/XX/2020, returned receipt, they received the letter on XX/XX/2020. In this letter, I requested validation of the debt. This company has failed to validate my debt, Instead, I received a letter dated XX/XX/2020, they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I have not authorized and they are not listed as an authorized or legal representative to access my personal health information. This is a violation and I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX I contacted XXXX Mastercard XXXX a XXXX private label consumer credit card ) to have a replacement card sent out to me since the one I had was damaged. I was NOT told that a credit report was necessary to do so. This credit pull was NOT approved and I have a letter from XXXX 's Executive Response Unit stating this was indeed an unauthorized and fraudulent credit inquiry. Since the credit bureaus share information, the hard inquiry was not only included on my XXXX  credit report, but also my Equifax and XXXX. On XX/XX/XXXX I filed my first online dispute with Equifax ( conf # XXXX ). Since this was NOT removed from my credit report, I filed my second online dispute with Equifax on XX/XX/XXXX ( conf # XXXX XXXX. As of today, XX/XX/XXXX, this fraudulent inquiry still has NOT been removed from my credit report. As a result, I filed a third online dispute with Equifax ( conf # XXXX XXXX. What else do I need to do in order to get Equifax to do their job and keep my credit file accurate??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Commenity Capital Bank has sold a number of credit card accounts that were fraudulently obtained and used in my name to a company called XXXX XXXX XXXX. Commenity sold these accounts knowing they had failed to provide proof of debt. In fact after ignoring numerous proof of debt requests they began stating that they had " sold the accounts '' which was in and of itself a fraudulent action given that they knew they were contested due to being fraudulently obtained. 

XXXX XXXX XXXX also failed to provide proof of debt, stating they would obtain that information from the original creditor. They did not not instead they wrongfully filed a lawsuit in the Second Division District Court of XXXX, XX/XX/XXXX The first I learned of this lawsuit was on XX/XX/2020 when I received a notice of their voluntary dismissal. 

They have been properly provided with affidavits, police reports, and FTC Identity Theft reports. In contrast they have never supplied anything I requested of them in terms of proof -- rather they negligently proceeded with a law suit without evidence in order to harass and intimidate me. 

If this debt were real they would have signatures on a contract. They would have an accounting for how the debt accrued. They would have itemized charges since it is a credit card debt. However, Commenity and XXXX have never been able to provide any of that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: LEXISNEXIS
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX ( XXXX ) XXXX <<<<<<<<<< ( ADDRESSES ARE WRONG, PHONE NUMBERS ARE NOT MINE ) XXXX XXXX  XXXX {$12.00} XX/XX/XXXX <<<<<<<<<< ( NOT MINE, WHY WAS THIS NOT VERIFIED THROUGH ORAL OR WRITTEN COMMUNICATION, HOW IS THIS VERIFIED AS ACCURATE? 

XXXX XXXX XXXX XX/XX/XXXX <<<<<<<<<< ( NOT MINE, WHY WAS THIS NOT VERIFIED THROUGH ORAL OR WRITTEN COMMUNICATION, HOW IS THIS VERIFIED AS ACCURATE? <<<<<<<<<< XXXX XXXX XXXX {$0.00} XX/XX/XXXX <<<<<<<<<< ( NOT MINE, WHY WAS THIS NOT VERIFIED THROUGH ORAL OR WRITTEN COMMUNICATION, HOW IS THIS VERIFIED AS ACCURATE? <<<<<<<<<< XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX <<<<<<<<<< ( NOT MINE, WHY WAS THIS NOT VERIFIED THROUGH ORAL OR WRITTEN COMMUNICATION, HOW IS THIS VERIFIED AS ACCURATE? <<<<<<<<<< XXXX  XXXX {$2000.00} Date Opened XX/XX/XXXX <<<<<<<<<< ( NOT MINE, WHY WAS THIS NOT VERIFIED THROUGH ORAL OR WRITTEN COMMUNICATION, HOW IS THIS VERIFIED AS ACCURATE? XXXX XXXX XXXX XXXX, XXXX XXXX Account Type FHA Mortgage Balance {$0.00} Date Opened XX/XX/XXXX <<<<<<<<<< ( NOT MINE, WHY WAS THIS NOT VERIFIED THROUGH ORAL OR WRITTEN COMMUNICATION, HOW IS THIS VERIFIED AS ACCURATE? <<<<<<<<<<

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XXXX/XXXX/202, I received a call for payment of {$54.00}. I argued and mentioned that my payment was not incorrect and that my minimum payment was only {$25.00}. The representative said yes this was correct and that the additional {$35.00} was going o be removed and credited back to my account. The difference of payment was made and I was told there would be no reflection on my credit report, that the {$35.00} would be refunded back to my account and my account would be back in good standing. The account has no other balance and has been completely paid off. 

On XX/XX/2020, I received a statement saying that my account was never paid and that balance is still {$54.00}. When I called comenity they said would fix the mistake and everything would be removed, however, I need to write a letter because no one can help me over the phone. As of today, My account has no balance and in fact, has a {$35.00} credit but my credit report still shows that I was past due for {$54.00}, which is entirely incorrect and paid in full. Please help me fix my report with all 3 credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
RocketMortgage by Quicken loans has damaged my credit through their incompetence. 

On XX/XX/XXXX, I applied for a mortgage through RocketMortgage. I immediately began working on it with XXXX XXXX at Quicken Loans ( phone number XXXX ). The loan was approved XX/XX/XXXX. 

Through my credit union, I had a {$65000.00} Home Equity Line of credit that was due on XX/XX/XXXX. ( 69 Days after I initiated my refinance ) The mortgage was set up to pay off my existing mortgage and the home equity line of credit. I have over 50 % equity in my Townhouse and this should not have been a hard loan for them to process. 

Prior to verifying the final payoff amounts, they contacted my homeowners association ( HOA ) and got the condo requirements XX/XX/XXXX. But, I believe they forgot to contact them to get the homeowners insurance information that the HOA held. They did that later but they don't document that on their website. 

Ultimately, they received this. But, they must not have pursued this with any diligence as it took them forever to finish this task. 

At no time, did they inform me what the hold up was or ask for my help. When I called XXXX XXXX, he said they were busy and hadn't got to it yet. When i talked to their processing office, they blamed others for their slow response. Often, I got the feeling I was talking to someone reading a computer screen who did not know the details and was lying to me. Meanwhile, they were just stringing me along. 

In XXXX, they requested payoff letters for my mortgage and home equity loan but these were only good for 30 days. They let these expire, 75 days after I initiated the mortgage. 

Then in XXXX, they requested a new letter for the mortgage but forgot to request a payoff letter for the Home equity Line of credit. In fact, the processing office told me they requested the payoff letter. But, when i called my credit union, they informed me that RocketMortgage requested a payoff letter in XXXX but not XXXX. XXXX XXXX XXXX phone number XXXX ) at Quicken Loans confirmed their lack of due dilligence. 

By the time they realized their error, they informed me that they had taken too long and the payoff letters were expiring by XX/XX/XXXX XXXX 105 days after I initiated the loan ). So now, they are requesting new payoff letters for the month of XXXX. 

They have been working on this loan now for 105 days and counting. I provided all information they needed from me in XXXX. Meanwhile, my credit union informed me that because the {$65000.00} was due more than 30 days ago, it has now been reported to the credit agencies. 

This company, Quicken Loans, claims to have high customer satisfaction scores. But, my experience is they are not willing to make this right. They have offered me {$500.00} for my trouble. But, this has been a disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, COMENITYCAPITAL/XXXX  add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: VA

Complaint narrative:
I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. I have no contracts with these companies, and did not agree to pay any money to them.

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 2020-11-30 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: VA

Complaint narrative:
I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. I have no contracts with these companies, and did not agree to pay any money to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, NISSAN MOTOR ACCEPTANC add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX  XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation