vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-02 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:
Today i called experian in regards to a dispute that was open since XXXX. A dispute usually takes 30 days however it was over the 30 days and the items that were disputed are still on my report. Once the dispute was over the itmes were still on there & Even after talking to several representatives about this issue they have yet to remove one rep hung up on my when i requested how these items were being verified they failed to tell me and said " they aren't able to disclose '' but how are you verifying this information is accurate on my report. They are violating my rights as a consumer 15 usc code 16811i

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 2021-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
I have been having so many issues with Freedom Mortgage company since they purchased my mortgage. I have been a homeowner for over 6 years and I have never missed a mortgage payment nor have I been late on any payment. Due to the ongoing issues with Freedom Mortgage, I refinanced my mortgage from Freedom Mortgage company and is due to receive an escrow refund. On XX/XX/XXXX, I requested that my refund be mailed to me and the company collected my bank account and routing information stating that my refund will be deposited on XX/XX/XXXX. I called back on XX/XX/XXXX because the funds were not deposited to my account and I was told that it would be deposited on XX/XX/XXXX. I then called back on XX/XX/XXXX after not receiving my refund and I was told that the money will be deposited on XX/XX/XXXX. It is now XX/XX/XXXX and I have not yet received my escrow refund. 

None of the representatives at Freedom Mortgage have been able to provide justification as to why the date keeps getting pushed back, neither can they provide a date of when I should be receiving my money. Every time I call, the response I've gotten was that they will submit a request to have my money refunded. I don't know why it is so difficult to refund 'my ' money back to my account. This has caused a lot of XXXX XXXX XXXX XXXX on me, including my monthly bills being past due. 

I have been escalated to multiple escalation managers who have 'assured ' me that they have submitted a rush on the processing of my refund. I have also been told that I would receive a call back and has not yet received it. Every time I call Freedom Mortgage, I am being told that a new ticket has been opened with an expected completion date that is usually 2 weeks out. I called in again, now 5 weeks after my initial contact, to be told by an escalation manager that all the previous representatives have been entering the incorrect code which is why my refund has not been processed. With all the detailed notes that I have provided, including the required legal documents, how can 7+ representatives and managers all input the incorrect information? At this point, I am unsure if Freedom Mortgage is a legit mortgage company that will be refunding my money.

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 2021-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I received a credit card in the mail from Citi XXXX XXXX XXXX within the last two months ( approximately ). Honestly, since I get so much junk mail, I didn't really pay attention to it as I thought it was another card application. I disregarded the card and never used it or activated it. My wife set it aside. 

I received a letter dated XX/XX/2021, saying they noticed some suspicious activity on my account. I did not see that letter until today, XX/XX/XXXX. After reading the letter, I checked my XXXX XXXX app and saw that I now had a balance of {$110.00} on a card that I never applied for. 

Later in the day on XX/XX/XXXX, I called Citi ( XXXX ) and told them I never applied for the card. The representative immediately told me to reach out to you guys. It should be noted, when I called and entered the card number into the automated machine, I used the card number from the original card and was told to use my new card number, which I did not have. 

I suspect someone fraudulently used my information to apply for and use a credit card. I noticed on the letter sent to me from Citi that it listed an apartment number despite not living in an apartment. 

Thanks for any 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 non-monetary relief
Consumer complaint received 2021-12-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CL Holdings LLC
State: NM

Complaint narrative:
Within the past 6 weeks, approximately, I have been receiving collection calls from a company called Jefferson Capital. They first told me I had a XXXX student loan in collections, there was a judgement against me, and that my wages would be garnished. I explained to him that 1. I am currently in school and as far as I know, all of my loans are in good standing. 2. I have paid Jefferson Capital a charge off in the past so I think they are targeting me because of that. 3. The first time I actually spoke with a person on the phone, around the XXXX of XXXX, I asked them to please put sometihing in wiritng for me. They claimed that they had. They have not. I was told that they had a judgement and that my wages would be garnished. As I said i am in school and according to XXXX all of my loans are in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: Regional Management Corporation
State: OK

Complaint narrative:
Not applicable to me, Fraudulent Account on my credit report I have sent in numerous letters in attempt to verify and get this resolved off my credit report, I have also sent letters to XXXX, XXXX and other reporting agencies and they all keep pointing the fingers. 

The company states that they can not find me in their system yet the company is listed as inquiry on my consumer report. I would like this inquiry and others removed expeditiously as they were opened without my written or informed consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: OneMain Finance Corporation
State: OK

Complaint narrative:
Not applicable to me, Fraudulent Account on my credit report I have sent in numerous letters in attempt to verify and get this resolved off my credit report, I have also sent letters to XXXX, XXXX and other reporting agencies and they all keep pointing the fingers. 

The company states that they can not find me in their system yet the company is listed as inquiry on my consumer report. I would like this inquiry and others removed expeditiously as they were opened without my written or informed consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Last XXXX around XXXX Well Fargo number XXXX call me about an activity that saying my card was used in Alabama in the amount of & XXXX and {$300.00} @ XXXX XXXX. the person I was talking to said that if i want to reedem my account/money back I need to tell them the code that he will sent on me, and because its a Wells Fargo number I did trust and give the code that they sent me. And after that he keep on sending code and ask me the code over and over again like 20x and I also tell them that code cause thats what they want just to get back the money that was used in Alabama. I didnt think that it was a scam cause i trully trust that it was a Wells Fargo staff/representative so i give all they wanted, the call was almost an hour long. And after that call I check my online bank and I saw that all my money was gone and I call the Wells Fargo number that was indicate on the online app right away and report all what happen.Wells Fargo give me a claim number but then after over 10days I received a call from them saying my claim was denied. I dont know what to do I was scam for almost {$17.00} thousand .Please help me how to return my money back that I earn for how many years. Just in case please reach me out at my email address XXXX, my phone number is XXXX my name is XXXX XXXX XXXX. Thank you

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 2021-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Inacurrate and fraudulent accounts reported 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 2021-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-12-02 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:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and XXXX That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX year old XXXX and i started doing my research and XXXX usc XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I have a dispute with Lane Bryant credit card. I ordered 2 items that were never picked up from the store, so I canceled them. I was still billed for them and expected to pay even after I explained the situation to the rep. So I paid what I was supposed to pay and took off the price of those 2 items. The next month, I was still charged for those items and also charged a late fee. I refused to pay it and now it has been several months later and my bill is now XXXX. No one at the company could rectify the situation or explain to me how and why I was still being charged fees for canceled items when my bill should have been at 0.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: PA

Complaint narrative:
I submitted a complaint with the attorney general on or about XX/XX/21. Case # XXXX. The complaint was in regards to the secured card Ive had with a DISCOVER for over a year. A response was sent from the XXXX office ( XXXX XXXX ) stating the companys right to hold the deposit at their discretion. I followed up with both the XXXX and DISCOVER asking that my deposit be returned Pursuant to XXXX XXXX Code XXXX. Transactions involving finance charges shouldnt involve cash. I asked that my credit be switched to an open-ended account Pursuant to XXXX code XXXX. I also reminded DISCOVER that any adverse actions against me because of this request is a violation as I am a federally protected consumer. On XX/XX/21 I received an email stating my account had been closed at my request. My complaint and response specifically stated that I wanted to keep my account active. I never requested my account be closed. A few calls have been made to DISCOVER in regards to this matter. The only response was that of the adverse action taken on XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: AFNI INC.
State: CA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. I has been well over XXXX days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. I has been well over XXXX days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian continues to abuse my credit even though the credit furnisher acknowledged their error after over a year of lying on investigations. The account is closed and paid off. There is a XXXX balance. Here is a letter from the loan companies attorney acknowledging their error. If this issue is not resolved I will take this to federal court. Abusing my credit for over a year has made my family and I lose everything. Experian needs to correct my credit report immediately. This causes extreme XXXX and XXXX on my children and I. I have been fighting to correct this error for over a year now and Experian refuses to have humans resolve my issue instead Im stuck in a software algorithm with no human responses.

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 2021-12-02 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: Applied Data Finance, LLC
State: OK

Complaint narrative:
Not applicable to me, XXXX Account on my credit report I have sent in numerous letters in attempt to verify and get this resolved off my credit report, I have also sent letters to XXXX, XXXX and other reporting agencies and they all keep XXXX the fingers. 

The company states that they can not find me in their system yet the company is listed as inquiry on my consumer report. I would like this inquiry and others removed expeditiously as they were opened without my written or informed consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Not applicable to me, Fraudulent Account on my credit report I have sent in numerous letters in attempt to verify and get this resolved off my credit report, I have also sent letters to XXXX, XXXX and other reporting agencies and they all keep pointing the fingers. 

The company states that they can not find me in their system yet the company is listed as inquiry on my consumer report. I would like this inquiry and others removed expeditiously as they were opened without my written or informed consent.

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 2021-12-02 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: NC

Complaint narrative:
Inacurrate and fraudulent accounts reported from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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 — Problem with personal statement of dispute
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX is reporting me being late XXXX days late in XXXX and XXXX of XXXX. 
I was in XXXX from XXXX XXXX XXXX 
My last payment to Ditech which was the previous company now XXXX was XX/XX/XXXX. 
In XX/XX/XXXX I made a payment to XXXX XXXXXXXX XXXX. 
My XXXX  with XXXX XXXX started in XX/XX/XXXX. 
I was never late on my mortgage. 
In XX/XX/XXXX I contacted XXXX XXXX and notified them business was picking up and I wanted to come off of XXXX. 
I made my XXXX trial payments on time in XXXX, XXXX and XX/XX/XXXX. 
In XXXX I signed the loan modification agreement. 
XXXX XXXX took my XX/XX/XXXX payment and XX/XX/XXXX and applied them to XX/XX/XXXX which I already paid to Ditech in XX/XX/XXXX as the bank statements show. 
Cares Act states consumers can not be reported as late up to XX/XX/XXXX. I made my payment in XXXX as agreed. 
At this point I do not understand what payment was late? 

Thank you, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation