vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX I received a letter from my mortgage holder, Huntington National Bank, that I was delinquent on my mortgage by the amount of {$4800.00}. I called Huntington and informed them, I have made my mortgage payment of XXXX on time every month and could provide proof payment. They informed that in XXXX of XXXX, an escrow change was made and my payment had gone up {$380.00} and I had not made the correct payment and therefore, was behind. I explained that I had not received a notice of this change. The employee said he would look into it and call me back. Later that day, I called Huntington again, this time I was put on the phone with an employee named XXXX. XXXX refuses to give me his last name. XXXX has told me that Huntington has sent me notices and statements, I owe the balance of the escrow, late fees, but refuses to tell me if this has affected my wife and I'd credit. I asked XXXX if Huntington could prove they sent me the notices and statements to the correct address. He said he could not. I then drove to an actual physical location and spoke to XXXX XXXX XXXX : XXXX. I told him that I had not received any notices that my payment had changed and I would like to pay the difference, but since I never received a notice, I didn't think I should have to pay late fees and would like any negative reports to our credit removed. He looked in his system and said that Huntington was sending the statements to the wrong address. He said I would need to call Huntington and ask them to care of it because he couldn't do it there. I called Huntington on XX/XX/XXXX and was put back on with XXXX who reiterated that Huntington had sent all the statements to the address in their system ( it was changed by XXXX XXXX the previous day ), that I would have to make the payment as is, he would not remove the late fees, and I would need to handle the negative credit report on my own -- which has dropped XXXX points. On XX/XX/XXXX, I paid the amount Huntington had for my balance due, {$2400.00}, as stated on their website, in order to avoid anymore negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: SC

Complaint narrative:
I had a {$10.00} referal bonus from chime that is due to expire XX/XX/2022. As well as four chime friends sent me boost at {$5.00} per person due to expire on XX/XX/2022. I've met the requirements of recieving {$200.00} or more per month in direct deposit from my employer. I've spoke with customer service directly as well as sent several emails to XXXX to seek these perks being replaced and a explanation as to why they were even removed before they are due to expire. I was told it could be up to 48 hours for a response and it has been now 48 hours and I have yet to get a response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: NY

Complaint narrative:
The amount of {$980.00} was paid to XXXX. I did not receive any communication of debt owed to Enhanced Recovery from XX/XX/21 nor was I given the opportunity to pay the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FB FINANCIAL CORPORATION
State: CA

Complaint narrative:
My household was impacted by XXXX, the forbearance period has ended but my financial hardship has not. My mortgage is currently past due. I contacted a HUD approved financial advisor and was advised of the CA Mortgage Assistance Program. I completed the CA Mortgage Assistance application on XX/XX/21, my application is on hold due to my Mortgage servicer not being a Program Participant. Applications can only remain on hold for 30 days. I notified my servicer First Bank and XXXX of this notice and requested their participation via telephone and website email. XXXX has failed to have a process in place that reviews current grants available to their mortgagees affected by XXXX. I have gotten transferred back and forth from the loss mitigation department and customer service with no resolution. I have been told that there is not a dept. or person that can assist me with my Mortgage Servicer becoming a participant. I am concerned that my application will be denied do to lack of participation from the Mortgage Servicer.

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 2022-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I been trying to Cancel PMI based on Appraisal since XX/XX/2021, Multiple contacts to the Company and refusing to grant me an appraisal, filed multiple complaints to the company, they instead on XXXX which is not the only way to canceling PMI

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses 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. 

Here are the following date disputes was sent, XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses 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. 

Here are the following date disputes was sent, XX/XX/2022.

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 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Information was removed from my credit report by each bureau collectively suggesting that the items were unverifiable or erroneous, however ; the very same information has managed to reappear on my credit report without any reasonable measures or investigations taking place to prevent this from happening. I also have not received notice of the reinsertion which I believe to be a requirement of the FCRA.

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 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Information was removed from my credit report by each bureau collectively suggesting that the items were unverifiable or erroneous, however ; the very same information has managed to reappear on my credit report without any reasonable measures or investigations taking place to prevent this from happening. I also have not received notice of the reinsertion which I believe to be a requirement of the FCRA.

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 2022-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: WV

Complaint narrative:
Numerous calls from numerous numbers, but all from Wakefield and Associates, purporting to be collecting a debt from someone I have never heard of. I explained that I am not the person they are seeking and have asked repeatedly to be removed from their list. They claim to have taken me off, but the calls just keep coming every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: MD

Complaint narrative:
A fraudulent Chime account was opened in my name. On XX/XX/2022, I received an email from XXXX, Chime CEO welcoming me to Chime. On this same date, I received another email alerting me to a new login to my Chime account ( fraudulent ) from an XXXX  device in XXXX XXXX, CA. On XX/XX/2022, I received an email from XXXX informing me that the email address associated with my Chime account had been updated to a different email. I contacted My ID Care on XX/XX/2022 to report this and was assigned to a Restoration Specialist. The Restoration Specialist was able to get someone on the phone at Chime. The Restoration Specialist shared he was able to get someone on the phone by sharing my personal information such as DOB and last four digits of my SSN. The Restoration Specialist and I spoke to the person at Chime on XX/XX/2022. She said she would elevate to their fraud department and provided me with a case number. She said I would hear from the Chime Fraud Department within 24 hours. I never heard from Chime in response to this complaint. On XX/XX/2022, I received a Chime XXXX XXXX card in the mail. On this same date, I sent an email to XXXX advising them that I received the debit card. I informed them that I did not open a Chime account and this was reported to Chime on XX/XX/2022. I requested confirmation that the Chime account was closed as well as the debit card. I asked if debit cards in my name were sent to other addresses. I also shared that I reported this to my local police. As of XX/XX/2022, I have received no response from Chime. I want confirmation that all accounts in my name have been closed as I did not open any account at Chime. I am very upset with the lack of communication from Chime on my complaint about the account and the debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2022, I called Bank of America using the toll free number on back of my Bank of America Cash Rewards Credit Card to ask for a reduction in interest rate. They informed me that they could lower my interest rate slightly but that they could also offer me a 0 % Promotional APR on Balance Transfer from my XXXX XXXX XXXX XXXX which is good until next year. I told them to go ahead. I also asked if they could increase my credit limit. He said he could and that it would only involve a " soft pull '' of my credit. He assured me that it would not be a hard credit check and would not affect my credit score ( I had discussed with him during our phone call that I was not interested in opening a new credit card because I did not want to affect my credit score by opening a new line of credit ). After the call, an alert came through from XXXX saying that an Inquiry had been made from XXXX. I thought it was odd but figured it was just some sort of connection that Bank of American had with XXXX and that " soft pulls '' still triggered alerts. Today, a XXXX XXXX XXXX XXXX XXXX arrived in the mail. A sick feeling overcame me. I have never felt so violated. Bank of America has not only stolen my personal information, but broken my trust. My credit score has changed and my credit opportunities are more limited as a result of what has been done. Please advise on how to undo this damage and how to hold Bank of America accountable for its actions.

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 2022-01-21 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NH

Complaint narrative:
HI CCS CREDIT COLLECTIONS ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX for code of ethics violations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
My mortgage was transferred to Select Portfolio Servicing ( SPS ) in late XXXX, 2021 after I made my 1st month payment ( due date XX/XX/2021 ) to the original mortgage company called XXXX XXXX XXXX XXXX  XXXX ), since then, it has been a nightmare to deal with SPS, first, after the mortgage was transferred, nobody sent me the updated information for where to send the payment due XX/XX/2021, and I ended up having to send my 2nd payment to XXXX again. XXXX, after I paid my XX/XX/2021 due date mortgage, it looked like SPS suddenly woke up and found they didn't get my XX/XX/2021 due date payment, I called, emailed and told them again and again the payment was sent to XXXX, instead of checking with XXXX, SPS started to harass me with one letter after another ( total 17 letters sent to me, many with the same content ). 3rd, finally, after more than 60 days of investigation, they figured out, however, they still didn't get my escrow account correct by missing one month 's escrow payment, I emailed and mailed a letter to them to help correct the mistake, instead of getting it fixed asap, SPS sent me 4 more letters ( same content! ) saying the investigation will take another 30days!!! I was so frustrated and fed up with this company, I worked with so many mortgage companies before, and never ever in my life having met with a mortgage company like SPS with such messy, unprofessional and endless dragging practice, please help! Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: IN

Complaint narrative:
A credit card was opened in my former name with charges with XXXX XXXX. The card was opened and {$1900.00} was charged. I reported this to all my credit reporting companies and notified the credit company companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX did not have my authorization to run a credit check and want the check removed from my record and to file a formal complaint against XXXX XXXX XXXX. Experian was their source for inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX (? ) Ph : XXXX Multiple phone messages left been left and have not been returned.

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 2022-01-21 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: FL

Complaint narrative:
I am having a identity theft issue that I am not able to resolve directly with the credit reporting agencies or the companies. I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the US Federal Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file without my permission is a consumer law violation per 15 USC 1681 ( b ). Acct # XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX are accounts not to be listed on my credit file someone else used my identity.

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 2022-01-21 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: FL

Complaint narrative:
I am having a identity theft issue that I am not able to resolve directly with the credit reporting agencies or the companies. I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the US Federal Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file without my permission is a consumer law violation per 15 USC 1681 ( b ). Acct # XXXX, XXXX XXXXXXXX  XXXX XXXX, XXXX XXXX XXXX are accounts not to be listed on my credit file someone else used my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Westlake Services, LLC
State: NV

Complaint narrative:
On XX/XX/XXXX, per 15 US Code 1692c ( c ) I sent out a Cease and Desist letter via certified mail. Westlake Financial Service received this letter with tracking number XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXXXXXX XXXX I continuously kept receiving phone call after phone call after phone call. Per 15 US Code 1692c ( a ) ( 1 ), I was receiving these phone calls at an inconvenient time.

Westlake Financial Service has continuously harassed me per US Code 1692d ( 5 ) regarding an alleged debt. Per 15 US Code 1692d ( 2 ) this company has used obscene and profane language, using phrases such as " I owe on an auto loan ''. 
Not only has this debt collector harassed me and ignored my cease and desist letter, they have advertised for sale at an auction on XX/XX/XXXX the alleged debt which is a clear violation of 15 US Code 1692d ( 4 ). 
From the time of the acceptance of the cease and desist letter, Westlake Financial Service has contacted me 31 times. They have made my voicemail box full from continuously leaving voicemail messages. Which has allowed me to miss out on important voicemails left by family members and employers.

Pursuant to 15 US Code 1692 ( a ), Westlake Financial Service has used abusive tactics to try and collect on this alleged debt and needs to be stopped.

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