vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
FEMA changed the flood category of our property in late XXXX. We were not informed of this change until we received a letter in early XXXX from Freedom Mortgage indicating that flood insurance was now required. We promptly complied and obtained a flood insurance policy in late XXXX which we paid for ourselves. 
Freedom Mortgage is now attempting to force us to pay escrow for flood insurance. 
My mortgage document specifies that the buyer will provide hazard insurance including flood insurance. Freedom Mortgage is the XXXX holder of the mortgage has no right to change its original terms. I have paid for the flood insurance in a timely manner and it is in force until XX/XX/XXXX. 
Freedom Mortgage is demanding {$390.00} per month ( or {$4700.00} per year ), but my flood insurance policy cost {$2000.00} per year. Thus they are trying to defraud me of {$2600.00} per year. 
Freedom Mortgage claims that there is an escrow deficit of {$2000.00}, but since we paid for the flood insurance, there is no deficit. 
I made the XXXX payment in the correct amount of {$800.00}. The check, which bore the note : " Principal and interest only. No escrow '', cleared my bank on XX/XX/XXXX and was obviously on time. Freedom Mortgage assessed a late fee of {$40.00}. In addition, Freedom Mortgage did not credit my account for the {$800.00} which I paid and they accepted. The {$800.00} does not appear on the monthly statement. Also, Freedom Mortgage now claims that this account is in default despite the fact that all payments have been made on time and in the correct amount. All of these of actions are out and out 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 2023-05-25 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: OH

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-05-25 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: NY

Complaint narrative:
Upon discovering numerous fraudulent accounts on my credit report, I immediately recognized that I had fallen victim to identity theft. I promptly contacted the local authorities and made every effort to have these fraudulent accounts removed from my credit report. Despite my persistent endeavors, all but one of the fraudulent accounts persist, inflicting considerable harm to my credit health. One such account is a credit card issued by XXXX, bearing the account number XXXX and carrying a balance of {$2100.00}.

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 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: IA

Complaint narrative:
Applied for two separate deposit accounts and XXXX  XXXX and XXXX  XXXX XXXX I was declined because of this darn credit system which is all fraud. Early warning services , LLC says its a government agency. Where to start with XXXX, CFR, XXXX violations and Consumer laws that all of these corporations are in on to deprive the true creditors. Buckle up sent off some documents to be authenticed and correction of status. I will not stop until I expose and everyone of this corporations indentured trustees will be filed on in federal court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: GA

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 Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX has violated my rights. Or list of inquiries 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.

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 2023-05-25 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: AR

Complaint narrative:
I am writing to dispute the payment history information that appears on my credit report from XXXX XXXX. According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681a ( 2 ) under Exclusions, report containing information solely as to the transactions or experiences between the consumer and the person making the report ; I have reviewed my credit report and found the payment history information and account balance should be excluded from my 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 explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I opened a new account with Citigroup and it has been nothing but a hassle to get the account working. It took about a month before I had a working card because they sent a card after they had already cancelled the card because I had not received it. The almost immediately there is a fraudulent charge for {$47.00} on XX/XX/30 with XXXX I reported it as a fraud and they initially reversed it and then reversed the credit because the merchant says the charge is legit. I have not gone to XXXX  and have not even been in one of their physical stores in many years. When I tried to call Citi about their reversal of the credit all I get is hung up on before anyone speaks to me. The charge is fraudulent and per their customer agreement I am not responsible for fraudulent charges yet they refuse to permanently remove the charge and have not even provided me with the merchant 's response even though they say they have. I would like this charge permanently removed and this merchant permanently blocked from charging any of my Citi cards

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 2023-05-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: OK

Complaint narrative:
XX/XX/2023 payment was made on XX/XX/2023 cleared our bank on XX/XX/2023 and returned by mortgage company on XX/XX/2023 with no explanation. Made a phone call to mortgage company on XX/XX/2023 was told on a recorded line that payment status was fine, and did not show returned payment. Paid the XXXX payment again of XX/XX/2023 cleared our bank on XX/XX/2023 and then was returned by mortgage company again on XX/XX/2023. Paid the account again on XX/XX/2023, cleared our bank on XX/XX/2023. XXXX was again returned this morning XX/XX/2023. Called the mortgage company again, and they are claiming it was because of insufficient funds, however our bank is not returning or refusing payment, as plenty of funds are in the account to cover the payment. They are now refusing to take any payment from us for either XXXX and now XXXX, and our online account shows " misplaced funds '' and will not allow us to make any payments on the online system. They reported us as 30 days late back on XX/XX/2023 when the payment isnt even due until the XXXX of the month. This is the second time in 6 months that they have report to the credit bureau 's of us being 30 days late on payments that we were not late on. Mortgage lender has defaulted 4 times in less than a year to pay our insurance out of the escrow funds in a timely manner, which has raised our cost of insurance due to poor payment history. The mortgage company refuses to resolve this matter, and refuses to allow us to speak to a supervisor. Now they have made it impossible to pay anything on the account. Bank statements can be provided, along with a letter from our bank proving that our bank not only did not refuse to honor the payments, but they did honor them, and the mortgage company re-deposited the monies to our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
Convergent company started calling my home regarding an energy debt, I explained to them that I do not pay energy bills where I reside, I have been a resident here for over 25 years, and our complex has its own power plant whereby energy bills are included in our monthly maintenance bills. On XX/XX/2023, I received a letter regarding the energy debt in the amount of {$200.00}, after receiving the bill I called and spoke with XXXX XXXX, she promised that she would take care of the issue and that I did not have to do anything, On XX/XX/2023, I called again to plead my case. I decided to apply for my credit report, and it's a good thing that I did, because Convergent is on my XXXX report. I decided to give Convergent one more chance to clear this up. On XX/XX/2023, I called Convergent again and spoke with XXXX XXXX, XXXX XXXX asked me if I received a fraud package in the mail from Convergent, I told her that I had not, XXXX XXXX said that is the only way they would remove me from the collection list. I ended the conversation. I am a XXXX XXXX, worked over 35 years in the city of XXXX XXXX, I pay bills that I incur, I do not borrow or owe anyone or company anything. I would appreciate it if this Convergent company would go away and leave me alone.

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 2023-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  sent a debt to awa collections or the collection agency awa bought a charged off debt. not sure which one. I disputed it in XXXX of XXXX sent documentation to support my case to awa and it was closed. Received a letter in XXXX XXXX for same debt from awa collection and called immediatly to dispute again. The person handling my case since XXXX of XXXX named XXXX said she would take care of it. The debt showed up on my credit report in XXXX as I needed to buy a car and my credit rating went from XXXX to XXXX because this debt that I did not owe and already proved in XXXX of XXXX was reported to XXXX on XX/XX/XXXX by awa collections. I wa sturneddown for loans or offered a loan with very high interest rates making the payments to high for my budget. I went back and forth between awa XXXX and XXXX for the next couple months. I asked XXXX in several phone callls how they validated the debt she said they were waiting to hear from the original creditor and continued to report as a valid debt. it wasnt until I sent a certified letter asking for verification and validation that they took it off no explaination and said they didnt need to send me the information I asked for. It is to late my credit score is ruined and it is directly the fault of awa collection mainly XXXX that handled my case. I had to use cash advance from my credit card to buy a car so now the balances are high and I have numerous inquires on my credit report I am moving in a month and my credit score is only at XXXX which is far from XXXX which I worked hard to get and maintain until AWA decided to ruin my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
XXXX Previous claimplaint, Im filing this complaint injunction with the complaint number above. I previously advised the bureau about the practices I was experiencing with Wellsfargo. As I informed them about the overdraft fees I was XXXX when funds was in my account before the cut off period numerous of times. I was told the app didnt update as their records did so the funds was showing incorrectly to me. I can see the funds available through the app but was told they was not and was charged and overdraft fee a numerous of times. I havent heard anything about the fact that a second account was opened up without my permission and without my knowledge. I was told that a settlement was issued to resolve matters but what do that have to do with the situation I was experiencing. Do I have to provide my own person to investigate my accounts. I ask for all the accounts for which Wellsfargo had in my name and could it be mailed to be. The gentleman stated he could not provide me that information that I would have to go into the branch. I want this matter resolved and for them not to just push it aside as if nothing was done wrong.

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 2023-05-25 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: GA

Complaint narrative:
( LETTER & ID THEFT REPORT ATTACHED ) RE : Request for Investigation of Unauthorized Inquiries and Incorrect Addresses Please do not state that you cant verify my identity. Attached are all necessary identification documents ( ID, Social Security Card, and Bill ) and also my Identity Theft Report. 

Inquiries to Remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove ALL INQUIRIES with the names of the above banks. I checked my personal credit report, which I acquired from your organization and there are no accounts on my credit report for these inquiries, so these unauthorized inquiries should be removed from my credit report upon receipt of this letter. 

Addresses to Remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please also remove ALL ADDRESSES that are noXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX EXACTLY. Any other variation is a fraudulent address and I do not give authorization to have on my account. All other addresses are non-existent and not mine! The above reference to this address does not exist and needs to be removed no matter who is trying to report it- it is obviously false. If your bureau does not report these additional addresses or inquiries then please disregard.

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 2023-05-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: GA

Complaint narrative:
I was awarded unemployment benefits on XX/XX/XXXX. I was able to use the Way2Go GoProgram card on that day and completed XXXX transactions online. The next day I was unable to use the card and every transaction was declined from that day on. I tried calling the customer service number on the back of the card but there is no possible way to speak to a live agent. I can not find out why the transactions are declining and I do not know the status of my card. I read online that there is a feature both in the online account and by calling the customer service number, that will allow you to complete a funds transfer. After searching thoroughly, there is no possible way to transfer funds from this account to a more efficient bank/personal bank. There should, at the very least, be a way to transfer money out of this prepaid debit account and into a bank account. There should always be a live agent available to assist customers in matters such as these. There should be clear communication on the status of my prepaid debit. I checked the account program documents, and nowhere is it mentioned a daily spending limit or monthly spending limit. There is no way to determine if my account is frozen, and if so what the reason would be. All of my contact information is up to date and no agent has contacted me regarding issues with my account. I have money that belongs to me and am unable to access it. This is a problem no consumer should have to deal with. I've waited since XXXX to receive these benefits and now that I have them, I can not access them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: NJ

Complaint narrative:
This account was removed off my report due to identity theft EXPERIAN continues to report this after I sent over multiple verification letters and identity theft reports EXPERIAN took this off my credit now put it back on

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 2023-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
XXXX XXXX, I subscribed to XXXX  for a total cost of {$180.00}. Thereafter I sought to cancel the purchase and receive a refund. I contacted the company I thought to believe was XXXX as they advertised online with a very similar name. In fact, I had reached a scammer. The representative that I spoke with advised me that I had reached the intended company and if I paid and additional {$180.00} via Venmo, I would be refunded for both charges. Thereafter, I made a payment via Venmo as XXXX XXXX requested. 
I immediately discovered that this individual was in no way affiliated to XXXX Therefore I immediately contacted Venmo to request a reversal, letting them know I was scammed by another client of theirs. However, they are unwilling to comply with my request and urged me to follow up with the " seller '' directly. I have never purchased an item from XXXX XXXX. I was a victim of a scammer who utilized Venmo 's services to perpetuate fraud. Accordingly, Venmo should refund {$180.00} to me. 
I have also filed a police report on XX/XX/23 and my lawyer has sent them a letter XX/XX/23 & XX/XX/23. No response from Venmo.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
First of all I did everything that was asking me from Bank of America I provided everything they asked me for second of all I provide a job proof that this bank is farther than any my account then forged my signature or my paperwork day why did I claim numbers on the top of my paperwork I provide a job with all this information and nothing it's been done about this Bank so if y'all can't let me talk to Mrs or I'm going to the Congress 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