vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-20 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: CA

Complaint narrative:
I was recently trying to get pre-approved for a mortgage but when the mortgage company pulled my credit my Experian report was blank. My XXXX and XXXX  was fine and showed credit history but my Experian had nothing. Around XX/XX/2021 I contacted Experian to resolve this issue. Initially they told me my account was locked for 72 hours and so I waited the necessary time before contacting them again. The agent then told me that my profile needed to be rebuilt and to contact them in 3-5 business days. I again waited the necessary time to contact Experian. Additionally, I had requested the agent to leave a note on the account to explain what the issue was. When I contacted them again no one knew what the issue was, there was no note, and I still couldn't access my account. After staying on the line for an hour the individual I was discussing my issue with hung or got disconnected, this happened again immediately after. Each group I talk to at Experian immediately transfers me to another group where I have to explain myself again, they constantly say they will put a note on the account but every time i ask the next person if they see they note and they say they don't see anything. 

It's been three weeks now and I still don't have an answer or even any idea if any action is being taken because each persona I get transferred too doesn't know anything that has happened on the account, maintenance, notes. nothing. I can't apply for loans or credit card or anything that involve a credit report. This has been incredibly frustrating and at this point I'm just stuck. Calling doesn't help, talking to their supervisors doesn't help.

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 2021-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I lost my wallet at a gas station a couple weeks back and got charged at a place called XXXX XXXX  for a XXXX and some dollars. I made a dispute with chase bank and they told me someone confiscated my pin and card and they told me they will give me a temporary pin and card in the mail and give me a temporary credit to my account. Today I look and they denied my claim due to the person using my pin while doing the transaction. I was home sleep and they wont budge I offered to provided a police report anything and they still wont do anything about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: MD

Complaint narrative:
I bought my townhouse on XX/XX/2020 during the pandemic with the help of a down payment assistant program of {$11.00}, XXXX, forgivable after 36 months of consistent payment. My mortgage was with Sun West mortgage company ( SWMC ). While attempting to refinance and shopping around, I was told that I have a third XXXX  for {$31000.00} on my mortgage ( deed of trust ) with a guy named XXXX XXXX XXXX XXXX as the trustee and Beneficiary, MERS acting solely as a nominee for Sun West Mortgage Company inc. 
I confronted SWMC and was initially told that it was a grant ( in my understanding ). I inquire about what happened to the grant or why I have a third XXXX  on my title and so far have received no answer or clarification. I tried reaching out to MERS and was told that they are not a mortgage company and to call SWMC. Please investigate, there is a fraudulent 3rd lien on my mortgage account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The 3 Main credit reporting agencies are reporting false information. 
the following inquiries are being reported fraudulently. 

XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : 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 non-monetary relief
Consumer complaint received 2021-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
During XXXX I fell behind on my mortgage as a result of getting XXXX and losing both my XXXX and my XXXX during XXXX. I was told I can obtain a forbearance and that my past due payments would be placed on the back of my loan. The lender was informed of my prior modifications, however, they told me I still qualified for the program. Now they are stating that I no longer qualify due to too many modifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: TX

Complaint narrative:
I have several inquiries on my report that DOES NOT belong to me. I have called the actual company and they have no record of me. i have written to the 3 bureaus and asked them to remove or verify the inquiry. Here is the inquiry : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2021-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/21 I was told my account would be closed and the remaining balance which is XXXX would be sent as a check, On XX/XX/21 I was told by by XXXX from the escalation team I would be getting my closure check within 3-5 business days, I just recently moved so I was unable to update my address prior to my account closing, I got in touch with chime and inquired to change my address I was told I would have to provide proof of the address change with an ID which I did, MULTIPLE times I was told they would cancel the first check and send out a new check. I received the first check but now its no longer valid because they canceled it, Ive been getting the runaround ever since, theyll say give a few hours to look over the documents and never contact me back, then have the audacity to say I dont qualify for a refund now? THAT DOESN'T MAKE SENSE IF THEY SENT THE FIRST CHECK Im tired of this constant back and forth, its inconvenient PURE XXXX  AT ITS FINEST AND IM NOT HAVING THAT!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: I.C. System, Inc.
State: NY

Complaint narrative:
I received a collection letter XXXX XXXX a debt that was not mine it was fraud I do have a police report. I asked the company when the debt was they said " activated XX/XX/XXXX ''. First it is not my debt second it is well over 7 yrs old this is the first I am hearing about it. I wrote to them sent police report and request to stop all communications they said they were reporting it to credit bureau XX/XX/XXXX. IT IS & YRS OLD AND FRAUD! (! please help )

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 2021-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: NJ

Complaint narrative:
I used a forbearance from XX/XX/XXXX until XX/XX/XXXX. I completed partial claim paperwork and I began making my mortgage payments again in XX/XX/XXXX. Amerihome did not properly process my partial claim and misapplied my XXXX mortgage payment to XX/XX/XXXX causing each months payment since to be applied to the previous month. I have made no less than 100 phone calls to resolve the issue and each person I speak to does not have full access to my account information. Some agents are able to see that I made all of payments and some tell me these funds have been misapplied. I have requested my payment history which clearly documents all of my payments and where the misapplication occurred. I have spoken with several supervisors who promise to fix this issue however it has not been addressed as of XX/XX/XXXX. This is negatively affecting my credit. I can not refinance, I can not sell, I can not separate myself from Amerihome until they fix this issue and correct my credit report. I have started receiving letters threatening my right to live in my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: CA

Complaint narrative:
On XX/XX/2021 I sent Equifax a request challenge the accuracy, compliance and reportability of listing XXXX Acct # XXXX. This account does not belong to me. 
Asked to validate this information with XXXX and provide me with copies of any documentation associated with this account, bearing my signature. My letter was received by their Equifax Representative and picked up at the USPS post office on XX/XX/2021, tracking # XXXX XXXX XXXX XXXX signed by XXXX XXXX XXXX. 

Today, XX/XX/2021 I did not receive any response from Equifax that they are working on my XX/XX/XXXX letter. I have sent another letter to Equifax for 30 day Non-Response to my request. I am being completely ignored for what they are reporting on my credit file. XXXX  XXXX was not able to substantiate XXXX account in their file therefore was deleted on XX/XX/2021. I have enclosed and uploaded all letters, USPS delivery signatures and XXXX  XXXX deletion letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Social Finance, Inc.
State: NC

Complaint narrative:
I signed up for the SoFi credit card on XX/XX/XXXX with the sign up bonus of XXXX rewards points ( {$100.00} ) which would be added to my rewards balance 45 days after my first purchase. I made my first purchase on XX/XX/XXXX and have not received the points. I have called several times and had tickets filed by representatives but there is no follow-up and no resolution as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
im filing this disputes because I have sent in a letter to verify the inquires on my credit report and have no been notified of the investigation. I sent In the letter on XX/XX/2021 and it has been well over 30 days of noncompliance. please help me resolve this matter as I refuse to wait any longer for further investigation. to my understanding the agencies have 30 days to investigate and the time is up, so please remove the unauthorized inquiries from my credit report promptly. as pursuant the fair credit reporting act 604 15 USC 1681b ( 3 ) information regarding inquiries, in section 609 ( a ) ( 5 ) 1681g a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have sent a certified letter to XXXXXXXX XXXX XXXX asking them to provide my documents bearing my signature of opening an account with them which they have not provided or responded.

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 2021-07-20 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: U.S. BANCORP
State: MN

Complaint narrative:
ASSOCIATED BANK/ELAN FINANCIAL SERVICES CREDIT CARD. 

ACCOUNT ENDING IN XXXX A LATE PAYMENT WAS REPORTED XX/XX/21 WITH A DELIQUENCY STATUS ACCOUNT ENDING IN XXXX A LATE PAYMENT WAS REPORTED XX/XX/21 WITH DELIQUENCY STATUS. 

I HAVE TRIED ON NUMEROUS OCCASIONS TO UPDATE THE CONTACT INFORMATION ON MY CREDIT CARDS. DUE TO IDENTITY THEFT THEY WERE NOT HELPING. I WAS NOT NOTIFIED AT ALL IN ANY TIMELY MANNER BY EMAIL/PHONE/USMAIL THAT A LATE PAYMENT WAS IN EFFECT/GOING TO HAPPEN. THERE WAS NO CONTACT WITH ME AT ALL BECAUSE THE BANK WILL NOT UPDATE MY CONTACT INFORMATION AT ALL! THIS IS A VIOLATION!!!

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 2021-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
On XX/XX/20 I purchased my home in XXXX PA. On XX/XX/20 I lost that home and mostly everything I have ever owned in a tragic fire. Looking past that, on XX/XX/20 XXXX XXXX issued payment for this loss in the sum of XXXX. The check was made out to both myself and XXXX XXXX. It was subsequently cashed and held in escrow by XXXX XXXX per process. When reconstruction began XXXX XXXX made an initial distribution without issue. The requirement for further distributions would be progress inspections. Distribution amounts would be based on % completed until all funds were distributed. However before another distribution was needed the mortgage was sold to XXXX XXXX. It then took XXXX XXXX two months to get their paperwork in order, order and perform a progress inspection and make another distribution. In similar order, before the next distribution was needed the Mortgage was again sold, this time to Freedom Mortgage which brings us to the present. I have been working in excess of 3.5 months trying to get Freedom Mortgage to get their ducks in a row to no avail. After dozens of phone calls and dozens of emails they are now requiring documentation ( contractor bids and contracts specifically ) that do not exist. The previous two Mortgage companies did not require this structure and as such it was never established. The other Mortgage companies required progress inspections which successfully took place resulting in distributions. I simply can not provide Freedom Mortgage with this information/documentation as previously stated because it does not and never existed because it wasn't required from the beginning. Additionally there isn't one general contractor, there are dozens of individuals working on this project, none of which are from large firms. I have no way of going back in time to satisfy this need of theirs that was never previously required. They are the third company that has held this mortgage since the fire and I don't see what gives them the legal right to withhold my funds needed to finish rebuilding my home because they want to change the process 11+ months in. I need the remaining XXXX to not only finish construction on my home but to also pay back my savings that I have effectively drained floating this project along during these unacceptable delays. This is now bringing construction ( the final stages ) to a stop as I have exhausted my savings trying to keep construction moving along and keep everyone paid throughout these unacceptable delays caused by Freedom Mortgage.

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 2021-07-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Statebridge Company
State: CA

Complaint narrative:
The second Mortgage did and illegal foreclosure sale on XX/XX/2021 2 bidder bided and not one at this date own my property but me and I am in limbo about this mortgage company State Bridge it only had my note for 0ne year, just because it change servicer hands from XXXX XXXX up to now I do not know at this time what action to take I have being residing, in my home for 20 years + their has been many complaint about this company State bridge wrongfully foreclosing illegally on the second mortgages of other their should be and open investigation asap.. 


Sincerely Yours Concerned Client

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: TX

Complaint narrative:
I have several inquiries on my report that DOES NOT belong to me. I have called the actual company and they have no record of me. i have written to the 3 bureaus and asked them to remove or verify the inquiry. Here is the inquiry : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: GA

Complaint narrative:
The FCRA 15 USC 1681 states that our consumer reports/ Credit reports are our reputation.

15 USC 1681b ( a ) In General Subject to subjection any consumer reporting agency may furnish a consumer report under the circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

My rights as a consumer are being violated repeatedly by this company.

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 2021-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SinglePoint GI
State: IL

Complaint narrative:
I advise the representative that my account was discharged in bankruptcy back in XXXX and the balance shouldve never been assigned to them. XXXX XXXX  was discharged in my BK. The balance was from XXXX. I disputed the information on 3 bureaus, they refused to remove the information. I advised again this balance was included in my bankruptcy. The representative dismissed my request for them to contact my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of America Ltd.
State: WA

Complaint narrative:
Collection Bureau of America working as XXXX XXXX had a {$10.00} " late fee '' added to my account XXXX. I paid that account, in full, on XXXX. 

The late fee they added, they have been reporting as late since XXXX. It has destroyed my credit. 

This is for account XXXX under XXXX XXXX, just in case CBA wants to say they " don't have my account '' like they tried to say earlier, when I told them they are extorting the {$10.00} payment as a Pay to Delete scheme. 

Funny. All of a sudden, they delete my account. But then, they will not tell me that ALL incorrect credit reporting will be removed going back to XXXX. 

This has been the single biggest negative mark on my credit and I have recorded all calls with them today. I will have no issues taking them to court and publishing the entire experience, including the initial extortion, online. And I will promote that page so it is viewed as much as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: Bliksum, LLC
State: CA

Complaint narrative:
I have requested validation of this account beginning XX/XX/2021 with a follow up on XX/XX/2021. I have not received any response. Ive enclosed both letters as well as a copy of the credit bureau report to show other issues with this alleged account.

1 ) This account was never verified by me- comments say dispute resolved 2 ) Comments state that this account was sold to XXXX XXXX XXXX- which in that case, this should not be reporting as a derogatory account that has incomplete and inaccurate information.

3 ) I was never informed of this account to have any opportunity to dispute or valid it prior to them reporting this on my credit reports.

Company response to consumer: Closed with explanation