vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flyhomes, Inc.
State: TX

Complaint narrative:
XXXX a " cash only '' home purchase with Flyhomes Mortgage XX/XX/XXXX. Closed on a home in Texas on XX/XX/XXXX. This was a XXXX XXXX downpayment, paid closing costs and upfront payments to insurance and XXXX. The closing disclosure is attached as CD- Buyer. 

On XX/XX/XXXX we locked in a for a refi rate BASED on the loan estimate sent over. Attached as XXXX XXXX XXXX. Appraisal was to be ordered that day but did not. In fact we asked for documentation multiple times to confirm when the appraisal was ordered and promised on numerous occasions one would be sent to us, but it never has been. Appraisal was done on XX/XX/XXXX and we were told we would give a XXXX  day credit of the per diem the " cash '' loan creates due to the delay in ordering. 

We were sent an email to review and sign closing disclosures from XXXX on XXXX for the refinance where were were to put done an additional XXXX XXXX to create a XXXX XXXX conventional loan. They were incorrect on multiple levels and the lender ( XXXX XXXX ) could not explain why. I was given her supervisor ( XXXX XXXX ) and was told it would be cleared up. Days went by and no help. The supervisor said she was taking it up the chain but then went on vacation and our online dashboard pulled the closing disclosures and now listed items needed for review that XXXX already had been given. 

I tracked down another supervisor XXXX XXXX, again explained everything and was told it would be looked into and then she also went on vacation. Days went by. I sent in a message as our XXXX day rate lock was running out XX/XX/XXXX and was assured not to worry, no additional interest would be added but no actual assistance on why the loan was no closed. 

We have been receiving letters this week as to the date of XXXX XXXX loan amount needed to the sum of over {$600000.00} and in no different position then when the incorrect documents were sent to us on XXXX. There is no end in sight and neither supervisor has taken over ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account Number XXXX, has violated my rights. Per 15 U.S.C Section 602A, states I have the right to privacy. And per 15 U.S.C. Section 1681 Section 604A Section 2, states a Consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Account Number XXXX, has violated my rights. Per 15 U.S.C Section 602A, states I have the right to privacy. And per 15 U.S.C. Section 1681 Section 604A Section 2, states a Consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-05-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-05-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-02 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC
State: TN

Complaint narrative:
I was pre-approved to apply for home on XX/XX/XXXX with Nexa Mortgage for price {$290000.00}. I applied for XXXX Loan on loan with Nexa Mortgage to buy a home at XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX with a binding contract on XX/XX/XXXX. I received the contract to buy the home.The Mortgage broker XXXX # XXXX is XXXX XXXX, phone number XXXX. The Loan Process was XXXX XXXX XXXX. The loan was supposed to be processed within theXXXX days to close on the loan my XX/XX/XXXX With XXXX XXXX Mortgage XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX was informed that I had submitted all documents that was needed process the loan during the XXXX day contract time to buy the home and loss my {$300000.00} earnest money, inspection fee {$300.00} and {$500.00} appraisal. The loan processor continued to ask for documents needed past the XXXX day period and informed me that the underwriter did not know what he was doing and was no longer working at the company. 
My Realtor Agent XXXX XXXX with XXXX XXXX  informed Buyer to sign a Notice of unilaterally extend closing for XXXX days. I had until XX/XX/XXXX to close the contract with the seller XXXX XXXX. 
My contact was not closed on XX/XX/XXXX due to the Buyer gives notice to the other parties to XXXX XXXX and sale agreement that the closing date is extended for 8 days for the following reason ( XXXX ). 

A. Buyer 's mortgage lender, if any, ( including " all cash '' transactions or the closing attorney could not fulfill their respective obligations by the date of the closing due to no fault of the Buyer. 
B. Buyer 's has not received required estimates or disclosures, and Buyer is prohibited from closing under federal regulations. 
A copy of the notice unilaterally extended closing date for XXXX days was signed by buyer and seller. 
The processing time of not closing my XX/XX/XXXX with Nexa Mortgage not being consistent of the XXXX  day timing process caused Buyer to have a notice of unilaterally extension closing for 8 days. Nexa processing the loan was not within a 15 day period caused me to have to extend to 8 days and losing the XXXX 's {$3000.00} earnest, {$300.00} inspection fee and {$500.00} XXXX. The appraisal was completed on XX/XX/XXXX and The closing date of the contract was on XX/XX/XXXX. The XXXX XXXX XXXX decided to close the contract after the appraisal on XX/XX/XXXX and request the {$3000.00} earnest money although the buyer 's mortgage lender or closing attorney could not fulfill their respective obligations by the date of close due to not fault of buyer and not receiving required estimates or disclosures and Buyer is prohibited from closing under federal guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: GA

Complaint narrative:
Credit Control LLC at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX has been sending me collection notices in the amount of {$420.00}. I am not familiar with this company or this debt. I have not done business with, validated any debts, signed any contracts nor have I given this company my consent to report my personal information which is a violation of my rights according to the FCRA.

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 2022-05-02 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: PA

Complaint narrative:
In accordance with the fair credit reporting act convergent Acct # XXXX XXXX XXXX has violated my rights. 
XXXX XXXX. XXXX XXXX XXXXXXXX XXXX states i have the right to privacy. 
XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX : it also states a consumer reporting agency can not furnish a account with out my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act convergent Acct # XXXX XXXX XXXX has violated my rights. 
XXXX XXXX. XXXX XXXX XXXX XXXX states i have the right to privacy. 
XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX : it also states a consumer reporting agency can not furnish a account with out my written instruction.

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 2022-05-02 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: Home Point Financial Corporation
State: TX

Complaint narrative:
Homepoint Financial is reporting my mortgage late XXXX  days as of XXXX XXXX. Mortgage was paid in full, closed on XX/XX/2020. This is preventing me from obtaining a new mortgage and risking excessive interest rate hikes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
I was involved in a XXXX XXXX XXXX case, which is where the debt came from. Although verified and the agency has not contacted me since, this debt remains on my credit reports. And this has been reported as XXXX XXXX XXXX, but on my personal credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: LA

Complaint narrative:
I've been getting denied for mortgages, new credit cards and loans for over XXXX now due to inaccurate information being reported on my credit profile. Transunion stated that my accounts were properly investigated and updated. How is this if everything has remained the same and inaccurate. Transunion is reporting inaccurate last payment dates, terms, and balances. I've circled all the violations made by Transunion in my attachments. These accounts needs to be removed because they're violating my rights 15 U.S.C. 1681 section 602 A : States I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Also they took more than 30 days to complete my investigation

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 2022-05-02 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: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX ACCOUNT # XXXX ACOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy. 

15 U.S.C 1681 SECTION 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-02 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: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX ACCOUNT # XXXX ACOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 SECTION 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
For 5 years I have requested copy of the permissible permission used to access my credit report in XX/XX/2017 from Experian and XXXX XXXX XXXX XXXX ( XXXX XXXX  They both refuse. and label my complaints as duplicate.

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 2022-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2022, I received a letter from Bank of America that I was denied a credit card ( XXXX XXXX XXXX ) that I never even applied for. I contacted Bank of America to complain that it was not me who made this request. The representative, who is XXXX XXXX referred me to you to file a complaint.

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 2022-05-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Direct Portfolio Management, LLC
State: ND

Complaint narrative:
I originally called the number XXXX - Acct # XXXX, spoke to an inidividual briefly and then was placed on hold for the next XXXX minutes in which I hung up. I called back, XXXX said it was a chain of which I needed to go through, I did swear, but after XXXX minutes holding and wanting answers, I was supposed to hold again. I have not heard from these people other than this phone call and message left, there has been no written correspondence, only that they were serving me at my work or home tomorrow for a judgement. First notificatoin.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
Credence resource management has listed a debt on my credit reports that I do not recognize. I do not recall receiving validation of this debt nor any information regarding to this debt. There is no account number listed on my report either to verify. The amount of debt is {$620.00} and was deleted XX/XX/2022. I would like this account removed as it is damaging my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX, I purchased a dishwasher and a printer from Conns XXXX XXXX. 
A property insurance policy and a repair warranty service were included on the contract with the understanding that if both of these services were cancelled within 30 days of purchase, that I would not be charged for them. After canceling the property insurance policy within the 30 day time frame, I received a letter from Conns dated XX/XX/XXXX that stated that my monthly payment amount had changed to a lower amount due to the cancellation of the property insurance. On XX/XX/XXXX I received a 2nd letter that acknowledged my cancellation of the appliance repair service ( this service had already been canceled within 30 days of purchase ). This second letter also stated that my monthly payment amount had changed to a lower amount. 

However, I am still being charged for these canceled services and I have also been notified that my account now has a past due amount and that the payment amounts that were listed in the letters that Conns XXXX XXXX  sent to me and which I relied upon to make my monthly payments were not enough. 

Conns XXXX refuses to correct their billing error and is insisting that I continue paying for a service that I had canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: V and H Portfolio
State: CA

Complaint narrative:
1. This is the company involved- Vance and Huffman LLC ( XXXX Credit Report ), for {$2000.00} open balance debt opened on XX/XX/XXXX, and I am not aware of this. They put the report under collections. Please delete. 

2. XXXX XXXX XXXX ( XXXX ) - this is also reported as a collection on XX/XX/XXXX, with zero open balance. Please delete the report. 

3. In accordance with the fair credit reporting act, these companies mentioned above have violated my rights. 

4. 15 USC 1681 Section 602 states I have the right to privacy 5. 15 USC 1681 Section 604 A Section 2 states, a consumer reporting agency can not furnish an account without my written instructions 6. 15 USC 1666B - a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
They keep reporting a fraudulent account on my credit report. Ive sent multiple letters for disputes they just say verify but they dont send anything prove its my debt. Which its not so I have no idea what to do anymore

Company response to consumer: Closed with explanation