vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Credible Labs Inc.
State: NC

Complaint narrative:
Strung along for over 2 months in a conventional refinance transaction. Received an approval and 5 estimated closing statements, and provided 68 deliverables only to be told right before closing that we needed 2 years of tax returns even though we were told at the beginning of the transaction that we could proceed as long as an extension was filed. The underwriter was discriminatory in my opinion as there is no valid reason for denial. The ultimate denial reason was around making an estimated tax payment for 2020, which we showed proof of. Then it was decided, after we provided this proof, that an additional deliverable was needed, which we provided, and then it was decided that 2 years of tax returns were required ... contrary to what was originally advised. The broker, Credible, had different information in their system than XXXX XXXX and was complicit in the discrimination and faulty transaction. I jumped through hoops only to be met with a second level underwriter who didn't understand self-employed and asked us for property tax verification to verify we paid our income taxes??? The underwriter also asked me to provide explanation as to why we estimated an estimated tax payment? We provided a letter of explanation and everything else under the sun and are not satisfied with the brokers handling of the transaction, the discriminatory conduct of the underwriter, nor the misinformation contained in the several teaser closing statements. The brokers system also reflected a different term than the lenders.

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 2021-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
Starting about XXXX of last year ( maybe earlier ) I started disputing National  Credit Systems for said amount of XXXX. I did not validate this debt, nor has verification, or evidence of prior contact or proof which links me to the owed amount, has been provided to me. No evidence was sent back to me in regards to this account. This company never informed me that a debt was owed back in 2015, whether by phone or mailing, which erases the debt all together from my profile. Not to mention, this company has blatantly caused harm to myself and my financial situation. On XXXX occasions, this company has removed the account from my profile, only to have placed it back on, moments later. I have questioned not only their acts and clear violations of 15 U.S.C, but also their inaccurate reporting of their name on my profile, along with other inconsistencies. All in all, this company violated a few laws and never contacted me to validate that not only a debt was owed, but also prove that the debt was mine. No evidence has been provided from this company. Please delete, immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
After Offering Me A Pre-Approved CareCredit Card, On XX/XX/2021, Synchrony Bank Denied Me For Not Wiling To Send Them A Photo Of Myself Which Was Never Stated In The Terms Of Pre-Approval. 
Synchrony Bank Declining Me For This Reason Which It Never Advertised As A Requirement In The Pre-Approved Offer Affected Both My Credit & FICO Score. 
This In My View Is An Unfair Business Practice.

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 2021-08-10 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: GA

Complaint narrative:
Transunion will not delete these fraudulent account off my credit profile, they claim they are verified that is wrong. I filled a report with the local police and sent it to them asking for an investigation, along with a letter stating they were fraud. They will not properly investigate, they keep sending me notices saying they will not remove them because they think the account is mine, they use stall tactics when I ask them to see proof of the accounts that belong to me, they can not send me proof. They violate my rights under 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 2021-08-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Independent Dealers' Advantage, LLC
State: TX

Complaint narrative:
IDA, Independent Dealer 's Advantage, LLC contacted me, XXXX XXXX XXXX on XX/XX/2021 with uncomfortably profane threats involving collection of debts. Letter attached also I have been constantly harrassed with telephone calls in my working hours of the day totaling 10 or more calls on workdays starting on the XXXX of XXXX. I was not honored with full disclosure of the terms but I now realize the car I purchased from XXXX XXXX on XX/XX/2021 was settled on the day of the transaction, as all that was owed was secured by security interest in my vehicle. IDA has committed one violation after the other as evidenced by the letter ( s ) attached.

Violations : 15 USC 1605 ( a ) 15 USC 1692 ( a ) ( e ) 15 USC 1692c ( 1 ) ( 3 ) 15 USC 1692d ( 1 ) ( 2 ) ( 4 ) ( 5 ) 15 USC 1692e ( 2AB ) ( 4 ) ( 9 ) 15 USC 1692j ( a ) ( b ) 15 USC 1692g ( a ) ( 2 ) ( 4 ) ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc.
State: NY

Complaint narrative:
XX/XX/21 Amerassist AR Solutions ( XXXX XXXX ) Ive done research on this company and there have been many many negative reviews on how this company operates. I have had something occur last year with my credit and a family member using my credit for their benefit. The amount XXXX popped on my credit report as collections. Immediately I reported and I have filed w/ FTC and submitted my paperwork ( identity fraud ) to the all credit agencies for this item to be removed. XXXX  is the only credit agency that I am disputing this collection debt. I have attempted to dispute this item twice now and no luck as of yet so Im taking this route now hoping this can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: CT

Complaint narrative:
After speaking to multiple agents for XXXX  and XXXX, they found I had enough reasoning to have the information closed and removed from my credit report. I have given the same information to XXXX  and have been going back and forth with them on an account that does not belong to me that was opened fraudulently. I explained I have lived with my mother all my life and have never had anything in my name under my social and with proper identification they were able to confirm that what I was saying was the truth. XXXX  has made this process very difficult as it has been months I have been trying to dispute this negative fraudulent information. It was only brought to my attention when my home lender caught it in my report when he tried to get me approved for a loan for a house I am trying to buy for my XXXX. It has delayed my process and they still refuse to cooperate and get the information removed and closed off from my report. They have continued to ignore my requests regardless of the information given or any reasoning. 


Security Credit Services Account # XXXX Collection opened : XX/XX/19 Balance : {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
This debt was settled with XXXX XXXX XXXX. Yet Franklin Collection refuses to remove inaccurate information from my XXXX  Credit Report. Please contact the reporting agencies inform them that the debt is disputed and advise them to delete it from my credit report. Failing to report information correctly, violates the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
On XX/XX/2021 my annual mortgage escrow review was completed and mailed. I received the escrow review in the mail on Monday, XX/XX/XXXX. 

Upon review, the escrow review showed that I owed in excess of {$23000.00} for flood insurance. This review included flood insurance on my condo which is covered by my buildings HOA. It is not an escrowing account. Upon seeing this error I contacted my mortgage servicer, NewRez. 

On XX/XX/XXXX, on the phone with NewRez, I was brought into a conference call with two agents, one from the insurance department and one from the billing department. Both stated that it was a clear error on the escrow review and that the review would be corrected. They instructed me to call back to check on the status later in the week and that the review would be corrected, at the latest, by Monday, XX/XX/XXXX. 

As instructed, I contacted NewRez on Thursday, XX/XX/XXXX. An agent told me that she saw that it was on a workers docket and was on track to be completed by Monday, XX/XX/XXXX. 

On Monday, XX/XX/XXXX I called NewRez after my online account was not updated. I spoke with one agent who hung up on me. I then called back and spoke with another agent who informed me that all of the previous agents were misinformed and it would take up to a month to get a escrow review corrected. I stated that a payment was due on XX/XX/XXXX and she stated that hopefully it would be done by then. She then stated that there was nothing that she could do and when I asked to speak with a supervisor she said none were available. She then told me to file a dispute and formal complaint with NewRez and walked me through the steps in doing so. She said if I did this, a supervisor would be in touch the next day. 

On Tuesday, XX/XX/XXXX I have yet to hear from NewRez and no changes have been made to my account. It is both disheartening and disenfranchising that a simple correction has taken so long and I can not get in touch with any supervisor from NewRez.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: LA

Complaint narrative:
I have attached an affidavit of truth to address the issues the credit reporting agencies refuse to address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: WA

Complaint narrative:
US Bank requires a person to go to a lobby to wire money or get a cashier 's check. Fair enough. However, in my area ( XXXX Washington state ) all of their lobbies are closed, no one answers the phone to schedule a lobby appointment, and ( understandably ) there is no way to get a wire or cashier 's check from the drive through and ATM. I tried for days to get an appointment to get my money. US Bank 's branches in my area would not respond to me. They don't even answer the phone. Ever.

I am trying to wire or get a cashier 's check for about {$500000.00} to close on a house on a tight time line. US Bank has a XXXX XXXX of my money but won't let me get it. 

Requiring consumer to go to a lobby for a large transaction is certainly reason. However, I believe it is an unfair and deceptive trade practice for a financial institution to require consumers to go to a lobby to get their money - but then not open up lobbies for them to do so. It's like US Bank has the key to my {$500000.00} ( the ability to enter the lobby to conduct a transaction ) but won't give it to me - the net effect is that US Bank has my money and I don't, and they won't let me get it.

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 2021-08-10 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have multiple Fraudulent account on my credit report and Experian is refusing to Accept my Official FTC Identity Theft Report Sayin Quote ''The identity theft report that you provided to us does not meet the guidelines established by the federal Fair Credit Reporting Act for the following reason ( s ) : '' " It was not filed with a law enforcement agency which subjects the person filing the report to criminal penalties relating to the filing of false information. '' These are the Fraudulent Accounts Account Info Company XXXX XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$3200.00} Account Info Company XXXX  XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$2200.00} Account Info Company XXXX XXXX Bank Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$7900.00} Account Info Company XXXX XXXX XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$8200.00} Account Info Company XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer Balance on XX/XX/XXXX {$2000.00}

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 2021-08-10 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: FL

Complaint narrative:
Dear complain department, I would like to complain because I have unknow accounts in my credit report. I do not know their origins and they are not mine. Please check the information about these accounts and apply the investigation on the case of identity theft. Because I assume that somebody just used my information to file these accounts. 

I am talking about these accounts below : 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

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 2021-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
The company Radius Global Solutions  contacted me regarding a debt I was not aware of. I advised the representative I need a validation of debt and wanted to debt the debt. The representative advised me I could not dispute the debt until after I received my validation of debt. I informed the representative this was not true and I had the right the dispute the debt as well as request a validation. The representative continue to argue with me and cut me off then eventually hung up the phone after asking for a manager. He advised me no manager was available and the call dropped. I called back to speak to manager XXXX XXXX, I asked him to listen the call since he seemed to not believe his representative told me false information. I asked him to listen to the call and call me back or I can call him back so we can resolve the situation. He told me it was none of my concern and refused to set a follow up to discuss the call. The manager told me he went ahead and put the account in dispute. I informed the manager if I didnt know my rights I wouldve thought the only way I can dispute the account is after I received my validation. He did not seem concerned about my situation. I asked him for information on upper management and Human Resources to submit a complaint, initially he refused but after pressing a while he eventually gave me a general number for the company. The representative also did not provide the mini-Miranda.

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 2021-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
The company XXXX XXXX XXXX  contacted me regarding a debt I was not aware of. I advised the representative I need a validation of debt and wanted to debt the debt. The representative advised me I could not dispute the debt until after I received my validation of debt. I informed the representative this was not true and I had the right the dispute the debt as well as request a validation. The representative continue to argue with me and cut me off then eventually hung up the phone after asking for a manager. He advised me no manager was available and the call dropped. I called back to speak to manager XXXX XXXX, I asked him to listen the call since he seemed to not believe his representative told me false information. I asked him to listen to the call and call me back or I can call him back so we can resolve the situation. He told me it was none of my concern and refused to set a follow up to discuss the call. The manager told me he went ahead and put the account in dispute. I informed the manager if I didnt know my rights I wouldve thought the only way I can dispute the account is after I received my validation. He did not seem concerned about my situation. I asked him for information on upper management and Human Resources to submit a complaint, initially he refused but after pressing a while he eventually gave me a general number for the company. The representative also did not provide the mini-Miranda.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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:
Dear complain department, I would like to complain because I have unknow accounts in my credit report. I do not know their origins and they are not mine. Please check the information about these accounts and apply the investigation on the case of identity theft. Because I assume that somebody just used my information to file these accounts. 

I am talking about these accounts below : 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

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 2021-08-10 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:
Dear complain department, I would like to complain because I have unknow accounts in my credit report. I do not know their origins and they are not mine. Please check the information about these accounts and apply the investigation on the case of identity theft. Because I assume that somebody just used my information to file these accounts. 

I am talking about these accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: LA

Complaint narrative:
Hi I have been disputing this inaccurate and erroneous information on my credit file that belongs to someone else and i have been sending disputes for 7 months an no replies from the bureaus or answers and still the accounts are reporting on my report without proof that was requested. 
according to the fcra laws they have 30 days to respond and if not they have to remove. well its been 8 months and havent received anything. 
I have sent you some letters, i have sent to many to the bureaus but if you need them let me know

Company response to consumer: Closed with explanation