vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC
State: TX

Complaint narrative:
On XX/XX/2022, I submitted and was pre-approved for a loan with Movement Mortgage , LLC XXXX ID # XXXX I have not received a federal form Loan Estimate. 

On XX/XX/2022, the following email series was recorded : Applicant : Is my application submitted? I haven't seen an official Loan Estimate on the federal form yet and more than 3 days have passed since I submitted documents. 

Am I missing something? 

https : //www.consumerfinance.gov/ask-cfpb/what-is-a-loan-estimate-en-1995/ # : ~ : text=A % 20Loan % 20Estimate % 20is % 20a, that % 20took % 20effect % 20on % 20Oct.

Loan Officer :
No sir - I dont submit your application until youve confirmed youre going with us. Its extra work for my disclosure team and processing team. 

Applicant : You received my application but neither denied the application nor provided me a loan estimate? 

I won't confirm I'm going with ANY lender without the loan estimate. I thought that's what the loan estimate was for. 

Loan Officer : Thats what I have provided. Let me know if you have any questions. If youd like move forward with Movement let me know and I will send over a lock in agreement and formal disclosures. 

Applicant : I will not move forward without the federal form loan estimate. 

End of email series What was actually provided was an lender internal document titled " APPROXIMATE LOAN COST ILLUSTRATION '' that did not comply with the form described at https : //www.consumerfinance.gov/ask-cfpb/what-is-a-loan-estimate-en-1995/ See attachments ( personal information redacted )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: Makower Abbate Guerra Wegner Vollmer PLLC
State: MI

Complaint narrative:
I received a letter dated XX/XX/XXXX from Makower Abbate Guerra Wegner Vollmer PLLC stating I owe {$3600.00}. This is an ongoing matter I have been disputing with them since XXXX of last year. However, the last invoice they'd sent in XXXX of XXXX stated I owed a little more than {$1500.00}. I have been making my XXXX  payments on a regular basis and there is no way my debt could have doubled. Firstly, this is not a legit debt amount ; secondly, they have not followed the bylaws of my condo association regarding notification of violations ( Article VI of the bylaws, regarding Restrictions. Section ( c ) ( i ), ) ; thirdly, they threatened to take legal action if I did not pay the full amount of {$3600.00} by XX/XX/XXXX. 
I have paid ALL my XXXX fees since I moved into my unit last XXXX. They have taken the position I can not split my monthly payments in half and pay twice a month. This is a matter that is under dispute and considering I am disputing, they are obligated to cease further action until the matter is resolved. They have not done so. 

I have a copy of the bylaws of my association, but the file is too large to send. I can provide it to you by another means, if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/22 I received an email stating I had a balance on my Citi Bank CC card ending in XXXX. The card had not been used by me for about 3 months and when I checked online for what the charge was for, it was an XXXX purchase which the dates did not line up to my orders in my XXXX account so I assumed it was NOT MY CHARGE. I called the fraud department of Citi Bank and talked with someone named XXXX to dispute the charge and CLOSE MY ACCOUNT. This was supposed to be a RECORDED CONVERSATION. At first, he told me when I told him I wanted my account CLOSED that he would be sending me out a new card with a new number... .I told him NO, I DO NOT WANT A NEW CARD, I WANT MY ACCOUNT CLOSED! He never said anything further so I assumed that is what was done. 

A few minutes later, I called them back because I realized that the charge may be a delayed charge for an order that I received a couple months after the order date. In the process of that call, was told a new card HAD been dispatched to me, WITHOUT MY CONSENT, in fact, I had XPRESSLY STATED I DID NOT WANT THE CARD, but it was sent out to me anyway. 

I couldn't get thru to any of the departments, was on hold a VERY LONG TIME, finally decided to try their " chat '' on their Citi website. I spoke to someone named XXXX, she confirmed a card was on the way to me... .when I told her I wanted it CLOSED, she said I'd have to call back when the card arrived. I asked her what was going to stop another XXXX from sending me another UNWANTED CARD, just like XXXX did. She said she " couldn't help me ''. I tried to find a corporate number, called it, they don't take complaints, so I'm filing this. 

This company DOES NOT HAVE THE RIGHT to try and FORCE ME TO KEEP THEIR CARD! It's a scam! I want nothing to do with CITI BANK after this experience, what a JOKE! But I do NOT want an open account with 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 2022-03-19 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Hard inquiry not authorize or signed THD/CBNA XX/XX/XXXX THD/CBNA XX/XX/XXXX THD/CBNA XX/XX/XXXX THD/CBNA XX/XX/XXXX THD/CBNA XX/XX/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 2022-03-19 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act U.S.C. 1681 & Fair Debt Practices Act 15 U.S.C. 1692 XXXX  account XXXX XXXX XXXX XXXX XXXX, has violated 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 States : That a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1692 Section 805 A States : A debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer.

15 U.S.C. 1692 Section 806 Section 5 : Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2022-03-19 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act U.S.C. 1681 & Fair Debt Practices Act 15 U.S.C. 1692 XXXX  account # XXXX XXXX XXXX XXXX, has violated 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 States : That a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1692 Section 805 A States : A debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer.

15 U.S.C. 1692 Section 806 Section 5 : Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: EQUIFAX, INC.
State: SC

Complaint narrative:
The information being reported is incorrect : XXXXXXXX XXXX XXXX Act. # XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX Balance {$960.00} XXXX XXXX  XXXX Balance {$2000.00} XXXX XXXX XXXX Balance {$560.00} XXXX XXXX XXXX Balance {$420.00} XXXX XXXX XXXX Balance {$250.00} XXXX XXXX XXXX Balance {$250.00} XXXX XXXX XXXX Balance {$350.00} XXXX XXXX XXXX Balance {$2700.00} XXXX XXXX XXXX Balance {$4200.00} XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX Balance {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is the third time in three months that truist has been out ; online access was completely down for the site on XX/XX/2022 ; wait times to contact a rep for assistance were over an hour and the lines kept disconnecting. 

Each time suntrust/truist locks me out of the account, I end up getting an overdraft fee from not being able to manage the account. This has happened in XX/XX/XXXX and in XXXX, each time coinciding with vendor/bank sided outage to the site, and no ability to contact customer service. 

I had to physically drive to a branch ( that reeks of XXXX and had customers stating hateful XXXX  comments about the tellers ) and while they were able to get me back into my account, they weren't able to help with the overdrafts, which ttuist is forcing by locking me out of my account

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 2022-03-19 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: GA

Complaint narrative:
I am been a victim of identity theft since 2018 i have complied with everything that was asked of me from police reports to ftc report to sending numerous or letters i may have sent over 300 letter to the company and nothing has been done i am a victim it would make since for items to match up with my information if someone has stolen my identity everything keeps coming back verified that would be correct with stolen identity

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 2022-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
there is/ no reason for/my credit score to decrease. All accouts are/up to date, payments on time and paid and debt to income has decreased. As usual in my opinion another examoke of uneotness and deliberate fraud to keep/my credit score low! 
Your FICO Score has decreased XXXX points to XXXX. Even though your FICO Score went down, your Credit Rating did not so it should not impact your credit worthiness. ell that to my bank who I am trying ti refinace with to rid myself of evikls kike you! 

XXXX XXXX Poor Fair 580 - 669 Good Very Good Exce

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 2022-03-19 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: MA

Complaint narrative:
I sent a certified letter to Experian XX/XX/2022 requesting confirmation of the accuracy of my credit profile, the letter was received by Experian XX/XX/2022 and I've yet to receive a response. According to law Experian has 30 days to reply, to date it's been 40 days since receipt of my request.

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 2022-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Fraudulent transaction on XXXX app with XXXX and synchrony bank for an XXXX inch television XXXX, never received never had communication with seller, listing and seller vanished as soon as I tried to report problem two days later. Seller on XXXX is huntethiel vanished when I tried to report fraudulent transaction. I have supplied sufficient documentation showing I never received item but the bank will not rule in my favor.

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 monetary relief
Consumer complaint received 2022-03-19 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: Convergent Resources, Inc.
State: IL

Complaint narrative:
This account was an unauthorized account, I have sent letters to the company stating that the account was not mine. I demanded proof of my signature for the alleged agreement and the company did not respond to me. I sent 5 letter since 2018 to the compant. There are laws stating that the company can not demand money of payment from me when account is unathorized. I have also made a police report while they still ignore me and this issue is hurtingn me as a citizcens. Amount {$XXXX}, Date opened. XX/XX/2018.

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 2022-03-19 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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.

It is duplicate accounts on my credit reports also one account shows as a collection and charge off account with different amounts, dates also amounts paid as recent as XX/XX/2021 XXXX other dates as if to keep it on reports longer, amounts as small as {XXXX  up to {$XXXX}. I did not authorize these accounts, inquiries XXXX XXXX XXXX are not mine nor the collection accounts are not mine and it's causing HARM to my CREDIT LIFE.

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 2022-03-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian decided to willfully break federal law and illegally refused to accept a dispute of incorrect information on my credit report. I have a screenshot proving Experian is willfully breaking federal law.

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 2022-03-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I asked for the valid permissible permission used to access my credit report on XX/XX/2017 by XXXX XXXX XXXX XXXX ( XXXX ). Experian said they investigated and sent to XXXX who simply replies they are reporting accurately.?????? This has been going on for 5 years. Is Experian and XXXX managed by children or crooks because they are not professionals with integrity. XXXX and Experian play games to dodge liability.

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 2022-03-19 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 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 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 also states that a consumer reporting agency can not furnish an 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 2022-03-19 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit 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 2022-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: FL

Complaint narrative:
this is XXXX XXXX pro collect in XXXX tx is saying this is my debt when i talked to them and told them i never been to tx they asked for a util payment which i sent them and they say debt still mine when they gave me the work company that person worked for wasnt even the company i worked for as a matter of fact i put on XXXX since 2020 for cance i been going for treatment in XXXX fl since then i told them that and still they say its mine 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 2022-03-19 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit 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