vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
I signed up for the haf program as listed on the caliber website I was approved and there is just a horrible delays with caliber processing the payment my forbearance is over this month they still havent posted XXXX payment I dont want to extend the forbearance but it looks like I will have to because they arent posting payment in a timely manner and Ill be receiving assistance for the next 12 months

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I entered into a contract with Home Depot for hurricane window installation on XXXX XX/XX/XXXX and made the required down payment of {$5600.00}. The installation was partially completed on XXXX XX/XX/XXXX. Due to quality control issues, there is a punch list of items that need to be remedied on the installation. Final payment totaling {$16000.00} for the installation is contingent on completion of the project including, most notably, the inspection. Despite having advised me only to speak with him as the company representative due to the complicated installation issues, the Home Depot installation manager stopped returning my calls and text messages on XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX, I was informed by Home Depot that they had sold the account to a collection agency and would have no further involvement with the contract. The installation manager appears to no longer be employed by the company. They refused my request to honor the service and warranty aspects of the contract and even to see if the installation would pass inspection. They are, in effect, requiring full payment for a job that is not complete and for which they state an intention not to honor the life time warranty. 

My request is for assistance with bringing Home Depot into compliance with the contract and to finish the project including inspection. Can you help to bring them back to the table? Otherwise, I am stuck fighting a collection agency for final payment on a project that I will have to pay another contractor additionally to complete the deficiencies so that the project will pass inspection, and despite making full payment, Home Depot would refuse to honor the life time warranty which is a major element of the contract.

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 2022-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
I am XXXX submitting this complaint against Caine & Weiner and there is no third party involved Caine & Weiner did not provide me with sufficient documentary evidence such as tracking number or some type of signed delivery slip by me the consumer, proving that I received and was made aware of collection activity of this alleged debt, this alleged debt had been fraudulently placed onto my consumer report with forethought and malice to being harm to me and my financial reputation. They did not follow the proper procedure under the new FDCPA laws Effective XX/XX/2021, an amendment to Regulation F, which implements the FDCPA, in which protects consumer from improper reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: TN

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Filed proper documentation with apartment manageXXXX XXXX before eviction stating to be removed from lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: ID Analytics, Inc.
State: LA

Complaint narrative:
My credit report with Sage Stream is supposed to have a permanant freeze on it and never to be used for credit reporting purposes. I sent them a request on XX/XX/XXXX to freeze my report permanantly and they sent me the letter saying that they had frozen it. Well on XX/XX/XXXX I applied for credit and the decision made by the lender came from Sage Stream. They were not supposed to see anything by Sage Stream. Because it was supposed to be frozen indefinitely with them. I don't even know who Sage Stream is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
My identity was used to get a loan from Affirm.com for a trip thru XXXX. I did not apply for this loan. The trip was never used. I have tried many attempts to reach out to both Affirm and XXXX and they refuse to help me. They have now sent this loan to collection and it's having a terrible affect on my credit. I have tried every option with this company to have them remove this from my credit as I did not request this loan and they refuse to help me. 

I have been confirmed that the trip was never used, the loan was never used so there is no reason why it should be still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: AZ

Complaint narrative:
I was a XXXX customer for over 5 years when I decided to switch to another carrier ( approximately XXXX of XXXX ). When I switched, I *believe* XXXX continued to bill me ; therefore, I called their customer service number ( early XXXX of XXXX ) to receive an accounting. XXXX informed me that they could not give me an accounting because they could not access my account. They stated that they could no longer use my phone number to look up the information. I went to the XXXX store in XXXX, Arizona but they could not look up my information either. I informed XXXX that I would not pay their bill until I had an accounting, which I have never received. I have spent more than a few hours trying to obtain this information. 

I discovered recently that my XXXX XXXX dropped from XXXX to the low 600 's because of the XXXX dispute. I, therefore, called them again on XX/XX/XXXX to inquire about the amount of the bill and to ask that they reverse all damaging reports to my credit related to this matter. The collection arm of XXXX informed me that they would send documentation in the mail but I have not received this information. 

The amount that XXXX is attempting to collect is {$170.00} but what concerns me most is the damage to my credit which is nearly perfect. XXXX has made a few offers to settle but has still not provided an accounting nor will they promise to expunge my credit damages. 

Finally, I wonder if XXXX has a pattern of this practice. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: CA

Complaint narrative:
On XX/XX/2022, I received an alert from Experian that my credit score has a negative change. When I looked into my Experian account I saw that a credit line I had never heard of had been opened in my name and was past due on payments. The creditor is XXXX XXXX and when I contacted them I was told that I had opened the account in XXXX of XXXX  and was past due on payments as of XX/XX/XXXX. I disputed that this was my account and they immediately closed the account to and said they were sending me paperwork about further disputing the fraud ( which has not yet happened ). Experian also followed up with the company but did not resolve the issue or remove the negative account from my credit report. I also opened a police report with the XXXX XXXX police department on XX/XX/2022 ( report XXXX ). Also, while this dispute with Experian was ongoing, someone hacked my Experian account and changed all my personal information : email address, phone number, password, security question, etc. I believe I have resolved this with Experian but it's clear someone had created a fraudulent account in my name and then tried to hide it from me. If it helps at all, the phone number that was entered in the Experian system and which is not mine is 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 2022-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RFNA, LP
State: MS

Complaint narrative:
Republic Finance- terrible collection practices after being served XXXX called work ph, I asked them NOT to call me at work XXXX called work, again asked them NOT to call- threatened garnishment I returned call at lunch from my cell and set up a payment arrangement for XX/XX/2022 XXXX served with legal paperwork stating my debt had been turned over to collections XXXX called work I hung up on them XXXX called work again left message with co-worker ( regarding my delinquent debt ) XXXX Left voicemail stating " PAY UP '' XXXX called work I asked if they had my cell phone they said yes, but, didn't care they would continue to call my work. 
XXXX called work stating I had missed my payment and I could avoid garnishment by paying. I informed them I had been served and asked if I made a payment with them how would it affect the court proceedings. I was told " you won't be garnished so just pay ''. I informed her that I was under the impression once I was served I needed to deal directly with the collection law firm. She stated " I don't know XXXX and they will enjoy garnishing me ''. 
XXXX Called work I again asked them NOT to call me at work XXXX called work again, I again asked if they had my cell number, she stated she had both and was attempting to collect a debt and would call whatever number she wanted. 
XXXX Contacted debt collection atty and was advised NOT to make a payment to them directly and that they should NOT be calling my work after I had repeatedly asked them NOT to. They would contact corporate and see if they could get the ph calls to stop. They are aware I have signed a voluntary payment arrangement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Regarding Ashley Furniture - Synchrony Credit Card Since I complained AGAIN in XXXX they lowered my credit limit from {$1100.00} to {$260.00}. They said that it was due to my credit score. But my credit score was higher than it was when I was originally approved for the card. Lowering my credit limit caused my credit score to drop XXXX points!!! 
On XX/XX/2022 I entered an order online for a dresser/mirror combination for {$550.00}. I decided that I didn't want it and canceled it XX/XX/2022 online. It was canceled within XXXX hours. After it showed up on my account as delivered I sent in a dispute form. I called Ashley Furniture and they told me to get in touch with Synchrony Bank. I called Synchrony in XXXX, XXXX, XXXX & XXXX. The last time I spoke with someone there, he said that the cancellation was just entered in XXXX and I would have to wait TWO MONTHS for it to show up on my account. Now, even though they owe me {$550.00} I keep getting emails telling me that my payment is late. I have kept paying the payments early so it wouldn't adversely effect my credit rating. But I'm not going to keep paying them while they owe me money!! According to them I owe them {$58.00} that is showing late on my statement.

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 2022-08-23 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: FL

Complaint narrative:
Equifax is in willful violation of my request to remove erroneous information off of my consumer report. 
I have submitted one mail in dispute in reference to a XXXX account reflecting on my consumer report with a {$480.00} balance. I have submitted two disputes in regards to this same account over the phone with a representative. On XXXX, I received a mail correspondence showing the account was deleted from the credit file. On XXXX I noticed the account was now reflecting as closed on my Equifax consumer report. I was notified of the removal but they did not make me aware of the status being changed and the account added back. Equifax has undermined my confidence as a consumer. They did not provide me with the necessary documentation to make me aware of the final results. Instead I was notified through an adverse action letter of the delinquent accounts listed was a deciding factor of me being denied credit. I called in reference to this matter on XXXX and the representative XXXX informed me it was never removed. It is still on my report and it was nothing he could do to resolve this matter. When asked to speak with a supervisor he told me they were all in a meeting and I would have to call back if I wanted to speak with a supervisor. That was after 23 minutes worth of a call. I hung up the call feeling helpless, mentally drained and hopeless because I was depending on that line of credit to pay my rent while facing an eviction. That one erroneous matter caused has caused me to be very XXXX  because Equifax is not respecting my privacy or previous gestures to remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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 was notified by two credit monitoring services that there had been a hard credit inquiry on my Transunion profile. I contacted the inquirung company, XXXX XXXX XXXX, and told them this was fraud. They stopped processing the application, but will not automatically remove the inquiry from my credit report. I subsequently contacted Transunion and placed a fraud alert and credit freeze on the report. 

The next day my mail carrier left a card in my mailbox informing me my mail was on hold until the ned of the month. I then went to the P.O. and informed them that I did not place the hold. They then removed the hold. 

I have taken steps to protect my credit, but my concern now is to have XXXX XXXX XXXX  remove the inquiry from my credit report.

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 2022-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a had a credit card with Citi for quite some time ( around a year ) without issue. I recently opened a checking and savings account and connected it to my credit card, the idea being to have all of my money in the same place. 

I made two small deposits, around {$1000.00}, initially in order to set up my account. Seeing that these went through I then cashed a check from my job and also transferred {$10000.00} from my previous bank. 

At this point both my checking and saving 's accounts were blocked, I assume as they were flagged for fraud. I tried to get in contact with the fraud department, but was left on hold for 3 hours. This was early XXXX. I did not receive any contact from Citi during this time. 

Today, the XXXX of XXXX, I attempted to log in to see if my accounts had been cleared yet. I was unable to login at all. I made another call to the fraud department and was able to get through after an hour. I was informed that my account had been scheduled for closure and that this may take up to 60 days. I asked for more information, but was told that I just had to wait for a letter to arrive. 

The associate was unable to tell me when the letter was sent, when it was likely to arrive or any other information about my account. I asked to speak with a supervisor and was informed that none were available. The associate did not confirm my address.

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 2022-08-23 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: MI

Complaint narrative:
Listed below are a few of the different laws the credit furnishing companies have broken, I wont list them all here, just the 1 's that were blatantly broken. 

15 U .S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U. S. Code 1681 b- Permissible purposes of consumer reports ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2022-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
They offer me the credit for Apple on my phone but Im always getting denied without being giving a chance because people do change. I understand that I have some delinquent stuff on my credit but its majority Student loans. If given a chance for a line of credit I will make my payment if I have to use the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/2022, Affirm Inc was contacted regarding the proof of identity theft and unauthorized usage of personal information. XX/XX/2022, was sent via certified mail an FTC Report, along with documented proof via email communications betwixt me XXXX XXXX, and the Response teams of XXXX XXXX XXXX and XXXX Tuning ( See the attached email communications ). Affirm Inc responded via email after receiving said proof on XX/XX/2022, that I, XXXX XXXX is still responsible for the debt. So in following the steps pursuant to my FTC Report after multiple failed attempts to resolve this issue, I now, unfortunately, must file this complaint. 

XXXXXXXX XXXXXXXX XXXX XXXX ) Loan ID : XXXX, XXXX Response from Merchant : Only Affirm Inc or a police officer can request the receipt information regarding the order ( XXXX ) due to business policy Regarding Loan ID : XXXX, there are no records of existence, according to the merchant XXXX XXXX XXXX XXXX XXXX ) Loan ID : XXXX Response XXXX Merchant : The billing and shipping information was provided, See attached information XXXX XXXX XXXX XXXX ) Loan ID : XXXX Response from Merchant : The name purchaser name and address was provided, See attached information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
on XX/XX/2022 I notify JPMCB of my intent to enforce my rescission rights. And I am demanding a refund of all funds and property paid, as well as taking any required and appropriate steps to reflect the termination of the consumer credit transactions securities interest. JPMCB has not replied at all.

Company response to consumer: Closed with explanation