vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
FREEDOM MORTGAGE IS THE NEW SERVICE PROVIDER AFTER ACQUIRING MY 25+ YEAR XXXX XXXX HOME MORTGAGE. 
THERE'S SEVERAL PROBLEMS. XXXX XXXX ( OWNER OF FREEDOM MORTGAGE ) TRIED TO COMMIT FRAUD ON MY PROPERTY BY IMPOSING A 2ND MORTGAGE OVER 10+ YEARS AGO. AND GOT CAUGHT. THE FEDERAL JUDGE ORDERED " NO CONTACT ''. 
WELL, I DO NOT PLAN ON BEING SENT TO FEDERAL PRISON FOR A MINIMUM OF 20 YEARS FOR WHAT FREEDOM MORTGAGE DID, ACQUIRED MY LOAN. 

I AM FULLY AWARE THAT MORTGAGE TRANSFERS ARE COMMON PLACE, WITHOUT ANY OBLIGATIONS FOR A CLIENT/CUSTOMER TO STOP SOMETHING BEFORE IT STARTED. 

BOTTOM LINE : FREEDOM MORTGAGE IS GIVING ME A DIFFICULT TIME FOR ME TO GET MY ACCOUNT SET UP. I FINALLY GOT MY LOAN NUMBER... HOWEVER, THEY HAVE BLOCKED ME ACCESS FROM ONLINE! I CALLED BACK, AND THEY TOLD ME BASICALLY " OH WELL '' AND LAUGHING ABOUT IT. 

THIS IS NOT FUNNY, THIS IS TOTALLY UNPROFESSIONAL. IT IS CONSIDERED RUDE AND ILLEGAL TO BLOCK ACCESS FROM THE CLIENT! 

THEN TO SUM IT UP, THEY ARE SENDING EMAILS TO A NO LONGER IN USE EMAIL ACCOUNT AND " CLAIMS '' THAT XXXX XXXX GAVE IT TO THEM. XXXX XXXX DID A RESEARCH AND FOUND THE EMAIL THAT I AM USING PRESENTLY IS REGISTERED AND ASSOCIATED WITH THE MORTGAGE. THEY ARE A BIT PUZZLED, UNLESS SOMEONE REVERTED TO WAY BACK, YEARS AGO, AND DECIDED TO USE A DEFUNCT EMAIL ACCOUNT AND BEGUN TO SPAM ME TO DEATH? REALLY?

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 2023-08-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CCF Intermediate Holdings LLC
State: DE

Complaint narrative:
Attempted to pay balance of XXXX online several times and was unsuccessful in the process due to the online site. Each day the amount increased and when I contacted Speedy Cash they advised it was nothing they could do and I would be responsible for the amount as it is today. I also sent a email with no response. I went ahead and made the increased amount balance payment. Speedy Cash had no issue taking the payment for the increase amount over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-09 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: EQUIFAX, INC.
State: MD

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: MI

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-09 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: SC

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-08-09 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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 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: TX

Complaint narrative:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

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 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Someone is going to different stores and trying to open up credit cards with my information. I went to XXXX XXXX yesterday and only looked at a tool box and got a email that I was denied credit I never applied

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 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
We have attempted to close the account and pay an agreed settlement with comenity capital bank and XXXX XXXX XXXX XXXX. We have spoke with the company more then 20 times trying to get them to send the proposed agreement to us. We have spent hours talking to multiple representatives supervisors, managers, and every single one had a different policy or answer as to why we have not received a confirmation letter of any kind. Each of the dozens of people we have spoke to has given us different answers for when we will receive this agreement and receipt confirmation ( 1 hour, 2 days, 6 hours, 30 days, etc. ) which has been going on since XX/XX/XXXX. We have yet to receive a single promised agreement, receipt confirmation or communication. The agreed amount of {$2900.00} was finally taken out of our checking account on XX/XX/23 with no receipt given. I have never in my entire life dealt with such a crooked, dishonest company. All we are trying to do is reconcile this matter. They have our money but will now verify it in writing. We have also filed a complaint with the FTC regarding this issue. They are a company that tries to put off customers by passing you on to the next representative or supervisor in the hope that the customer will give up. We are also going to file a complaint with all the credit bureaus because they have reported and dinged our credit score, which could have been avoided if this was handled properly. The initial charges on the account were taken without the dental work being completed properly ( XXXX XXXX falling out 3 times and we are still waiting for the work to be completed properly ) Unfortunately we have no supporting documents because they have never responded to us. I do have phone numbers and names of supervisors if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
XX/XX/2023 I sent a refund request for a {$260.00}. Cash app has not refunded me that money and also has taken what money that I was a negative that I was receiving and applying it towards the - {$260.00}. My bank has credited my account for the money because they just sent a letter saying that yes that was a valid complaint however, cash app has not adjusted my balance after multiple attempts to do so they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: OPORTUN FINANCIAL CORPORATION
State: GA

Complaint narrative:
I began the process of requesting funds on XX/XX/2023 and was told that I would receive the funds into my bank account in no later than 5 business days. That did not happen. A few days later, I received electronic confirmation of a loan application in a wrong version of my name that I did not apply for. I have followed up with the company several times requesting my funding and they always give me steps, that I follow, but to no avail. Each time the processing time changes ( 5-8 business days, 7-10 business days, 3-5 business days, etc ). Finally, I asked that they close the account and send the funds. They agreed, however I have still not received my funds and am being told to follow additional steps because of an issue with my bank. I contacted my bank, and they said there is no issue on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion and XXXX are reporting two different amounts of late payments which is in accurate.

15 U.S. Code 1681

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 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I tried to obtain credit and was told about an auto loan with XXXX XXXX XXXX that was delinquent and in repossession that appeared on my credit report. I know nothing of this company and never made an auto loan in the amount of {$16000.00}. I live in XXXX XXXX and never made an auto loan purchase in XXXX I disputed this with the credit bureau, and it still appears on my credit report as a repossession with {$13000.00} still owed. I am not satisfied with the outcome and the Credit Bureau nor the fact that all the say is that it's dismissed. Someone used my information to get an automobile and I want this corrected the proper way because it has dropped my score tremendously from what it was previously. Info below that I got from my report. 
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 non-monetary relief
Consumer complaint received 2023-08-09 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: OH

Complaint narrative:
I was able to go into my experian and XXXX credit report when I first signed up less than 30 days ago. Now when I attempt to log in i keep getting an error message that my info is incorrect, which I know could not be correct because I saved my log in to my pc. After calling several numbers ( because Im locked out now ) I finally got someone on the phone that said they dont know what the problem is and could not help me. They told me to call me and hung up on me.

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 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: LA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This inaccuracy is preventing me from getting approved for credit cards, a home and a loan for a vehicle. I enlisted in the military ( XXXX XXXX ) in XX/XX/XXXX from the address XXXX XXXX XXXX  XXXX, NC, XXXX. This collection account has been opened fraudulently in my name as of XX/XX/XXXX. I also put a freeze on my account, alerting that I was on XXXX XXXX. Also sent documents previously to prove I joined the military last year.

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 2023-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a business bank account with Chase in XXXX in early XXXX and deposited XXXX using a check from my personal account. After the check cleared and funds deposited into the account, Chase informed me that they couldnt verify my ownership in the llc and closed my account and froze my funds on fraud. Its has been a month of going back and forth with the back end office and the help of my banker from the branch and they still would not release my funds. Their excuse is they cant verify my ownership in the Secretary of State website of PA. So I had made numerous calls to the department of state of PA and was informed and confirmed that PA down not recognize owners in LLCs and once its submitted during incorporation, they do not change it on their website. 
The state employees gave me instructions to file an amendment for certificate of authority, which shows my name and address as the owner of my LLC and I paid XXXX dollars to expedited on the XXXX of XXXX. After I sent in the supporting documents, Chase came back and said they dont accept it with no further explanation. I have them the benefit of the doubt and went on to try and open business accounts at both XXXX XXXX  and XXXX, which they approved in less than 3 days. At this point, my banker and I have filed many complaints towards the back end office and trying to get an explanation of why they still wont open my account and release my funds with no response. I called back to the department of state to check again if there is anything more I can do to show that I indeed own my company, which they say the only thing left is to file a statement of correction and remove XXXX the XXXX XXXX XXXX and have my name appear. In which I paid anothe XXXX for expedited fees and had sent it over a few days ago. And now, still no response from so called team who should have the basic knowledge or competence to pick up a phone and verify with the department of state of the information they received. But as of right now, there has been no response or explanation of any kind. This is unacceptable and just a disappointment for such an institution to be treating Americans who just want to make a living.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: AZ

Complaint narrative:
I was never given any letters that it was going to collections. I had no Idea. I have not lived there in a while but I think my friend renewed the lease after I left. I was living in XXXX form XX/XX/XXXX to XX/XX/XXXX due to my grandpa being sick My grandpa passed away in XXXX of XXXX and that's when I came back at the beginning of XXXX. My friend was helping me with rent while I was gone for the remainder of the lease that was up on XX/XX/XXXX and that was the last that I knew of the lease. I actually tried to contact her to get my things before the lease was due but I was unable to get in contact with her.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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