vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
VA Assumed Mortgage We assumed the mortgage XX/XX/XXXX and had no issues with our online access, managing our information, or making payments. 
XX/XX/XXXX Freedom Mortgage took away our online account access telling us they can not properly secure our information online due to our loan be an assumption. 
We need online access to verify our account information. During our time with Freedom Mortgage, they have mailed our private information to the previous home owners without our consent. This included all of our financial information, XXXX 's, XXXX 's, back account information, everything we used to apply for the loan assumption. They have accused us being negative {$12000.00} in our escrow when it was current. Our home owners insurance information has been lost and they attempted to force a separate company on us at an absurd rate. We have been accused of being two months behind on our mortgage when we have been always remained ahead on our payments. Most bothersome, is they reported inaccurate information to the credit bureaus. 
All of these issues, except for the online access has been corrected, however, it took getting the State of Texas involved to do so. As of today, they have no answer for the online access being restored for our account. We need this access to allow us to keep up with our mortgage information. With some many errors in the past it is needed to catch an error before they really do financial harm that can not be correct.

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I request that you take immediate action to investigate this matter and remove any other inaccuracies from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
My loan servicer debited two monthly payments from me instead of one. When I called to resolve this and refund the extra payment, they told me it would take at least 60 days to refund me. Thats insane, I have bills to pay and now my account is overdrawn and I have nothing to replace the funds with. These loan services cant be doing this to people when it takes that long to get the money back. Also can we please investigate why it takes them 60 DAYS to provide refunds?? Like you have the money just give it back. This is insane in this economy and I'm really XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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, XXXX XXXX, filed a FTC report due to unauthorized inquiries on my credit report. You are in violation of the FCRA for failure to remove inaccurate information from a consumer 's credit report. Furthermore, this is also negligence, and I would be able to argue this in court. I am again demanding that the following information be removed from my credit report within 30 days. Please see the attached FTC report. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge.

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I, XXXX XXXX, filed a FTC report due to unauthorized inquiries on my credit report. You are in violation of the FCRA for failure to remove inaccurate information from a consumer 's credit report. Furthermore, this is also negligence, and I would be able to argue this in court. I am again demanding that the following information be removed from my credit report within 30 days. Please see the attached FTC report. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On or about XX/XX/, I attempted to reach Wells Fargo Practice Finance regarding a lien placed on my property. I wanted to discuss possibly negotiating a payment amount with someone representing the bank. I also reached out to the lawyer who placed the lien. The attorney 's office noted that because the lien was placed over 9 years ago, that Well 's Fargo had to look into the paperwork. Over last 5 weeks, it has been brought to my attention that Wells Fargo Practice Finance ( WFPF ) sold the debt to XXXX XXXX and that company has since been taken over by XXXX XXXX. WFPF says that they recalled the debt from XXXX XXXX, XXXX XXXX is not familiar with having the debt. I am trying to make arrangements to satisfy the debt, however WFPF has been avoiding calls from me and is not assisting with my attempt to resolve this situation. It is unclear if they currently own the debt as we were told that they never received the paperwork after recalling the debt from 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
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX # XXXX. 
This account has violated my rights according to FCRA rules and regulations. 
A Chargeoff means that the debt has been charged off and the company XXXX XXXX XXXX XXXX ) has used this debt as a tax write off. Which makes this taxable income. And income is not reported to a consumer report ; According to : 15 U.S Code 1681a - Definitions ; rules of constructions ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the TERM consumer report does not include- ( A ) subject to section 1681s- 3 of this Title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Secondly, when a debt is charged off. The Company that charged the debt off must send a 1099c to the consumer. XXXX XXXX XXXX, did not. This is clearly a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
I was in a forbearance due to XXXX ( from my job & my dad XXXX with it ). Before the forbearance ended, I was terminated, and my job denied my unemployment. I was finally able to go to a temp company, but I filed XXXX XXXX for my debts. I applied for a modification on my mortgage, but couldnt afford the payments they offered. Plus, they were increasing my interest rate and starting the loan over to a new 30 yr mortgage! I called and asked why was this like a balloon payment or predatory lending because I have been in my home since XXXX. XXXX?? I never got a clear or valid answer. 

I applied for mortgage assistance through Mortgage Assistance of Alabama and they said they could only pay a maximum of {$50000.00}. When we reviewed my papers, Mr Cooper had charged me so many unknown and/or unapproved fees ( which included THEIR attorney fees, and several property inspections, etc. that I did not request or have ANY knowledge of )! How I am responsible for paying my bankruptcy attorney, the bankruptcy trustee, PLUS XXXX XXXX attorney? Especially, when my primary reason for filing bankruptcy was because Mr Cooper forced me to file, due to the bogus modification with a new 30 yr mortgage they tried to offer me??! 

I was terminated again in XXXX. I have applied for unemployment again, but it is still pending. I immediately called Mr Cooper to tell them. They offered NO HELP. I contacted FHA and was emailed several options, and advised to contact my mortgage company again for assistance! XX/XX/XXXX I was contacted to see if my income/situation had changed. I told the lady I keep getting new letters with a new contact person and if call or send an email, the person is no longer employed or in that dept. They said Since I do not have any income, there is nothing they can offer me. The next day they sent my loan to begin the foreclosure proceedings. The amount on their attorney XXXX XXXX XXXX papers state {$220000.00}? My statement shows {$170000.00}? I have contacted Legal Aid for help. I do not have any income & no where for me & my family to go. I do not expect to be in this situation within the next XXXX months, but I need help & time to get my finances together.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
All the details. I see duplicated reports from the company side since they made a mistake in my contract ( Hyundai Motor Finance and XXXX XXXX XXXX ). 

I bought ( XX/XX/XXXX ) this car from a local dealer ( XXXX XXXX ), and they credit my check and it was all good. 

After 3 weeks they called because it was " an error '' in my financial contract, from their side, and they asked me to re-sign all that again, and that's fine. 

After 3 days, I had 2 extra new hard inquiries in my credit that I didn't authorize at all, and since I have had the car, approved, for more than 1 month. They never told they would recheck the credit. I never Authorized. 

I opened a dispute with XXXX, 3 times, and the answer was nothing we can do, the entry stays in your credit. 

I called Hyundai Motor Finance and Hyundai Finance America many times, they told its not my problem and, dispute if you needed to. 

I am stuck, with 2 extra entries in my credit that I didn't authorize, and its duplicated. I don't want that there.

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 2023-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XXXXXXXX  i XXXX  chime number to dispute XXXXXXXX XXXX that came off my card from XXXX XXXX pulled up 2 numbers XXXX XXXX XXXX i called the XXXX # because it had called center they took me threw the steps so im not thinking told me to download this app go on my chime app log out but when I log back in the money gone be back on my card so I didnt no first time calling chime about a problem but call a scam number they took my my money i sent proof im XXXX see how can I get my XXXX XXXX back that was my last

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX FEDERAL XXXX XXXX XXXX XXXX FEDERAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ACCOUNTS IN THE COLLECTION ARE AFFECTING A LOT AND THEY ARE NOT MINE EITHER

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 2023-10-25 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX FEDERAL XXXX XXXX XXXX XXXX FEDERAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ACCOUNTS IN THE COLLECTION ARE AFFECTING A LOT AND THEY ARE NOT MINE EITHER

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Can not get report and experian has information listed wrong. I need to be able to monitor my report i also can't put a freeze on. My information was stolen in 4 data breaches, two over the past 2 days. I need to be able to freeze my account and monitor it.

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 2023-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I did not consent, nor benefit or authorized any of the following accounts : Comenity Capital Bank - Account # XXXX - {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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.

has violated my rights. Or a 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 explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Sklar Law LLC
State: NJ

Complaint narrative:
Received a call from XXXX Sklar Law and looked up the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX : XXXX Fax : XXXX A women stated she was from the law firm and I have a bill of {$2900.00}. from XXXX  and she wanted to set up a plan for payments. 

I asked her who the company was and she said XXXX XXXX XXXX XXXX  ( I think ) and something else and I said I don't know who they are. She then replied that I received a compression device and she would send me an email with the information. I told her I have insurance and she replied that they didn't submit the bill to insurance. 

I replied " I was told by my insurance that I do not owe anything ''. 
She then said " first you said you don't know who they are and now you say you don't owe anything ''. 

I replied again and asked her the date again, which she said the entire date in XXXX and I advised her that I had many bills from that procedure and called the insurance and they called the provider in which they admitted that I do not owe anything and the conversations has been recorded and that's how I know. I also told her not to try to get cute with me and she then said " we will see you in court '' and hung up. 

As she was trying to catch me in a lie, she lied by saying they didn't send the bill to insurance but also asked for the Explanation of Benefits. 

Please note : I have never received a bill from this company and no calls from the provider so, I do not know why it would go to collections after more than 3 years when they never tired to collect. Also, they could have at least tried to put in a claim in with the insurance. So, after one call, they threaten to take me to court? Therefore, it appears to be a scam. I have called my insurance company as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2023 a total of {$1100.00} plus {$120.00} fee was held due to a legal order from XXXX On XX/XX/XXXX I received a Notice of Legal Order via email stating the funds were being held until the XXXX unless told otherwise at which point they would be sent to the XXXX. 

I dealt with the XXXX there was an error on their end I had to fax them some info in the meantime they released partial funds On XX/XX/XXXX partial funds in the amount of {$650.00} was returned back to my account. 

Everything was received and approved by the XXXX on Monday XX/XX/XXXX at which point the faxed to the bank to release the hold and return funds to me. I called the bank on this day to verify the received the fax the person I spoke to said yes they reversed the fee of {$120.00} and said it would take XXXX to return back to my account the remaining {$500.00} I called today XX/XX/XXXX to ask about the status of the credit back to my account at which point I was informed that the money ( {$500.00} ) was sent to the XXXX on XX/XX/XXXX. 

I have called them ( Bank of America ) 5 times today have been hung up on XXXX of those 5 times. I have been requesting the Notice of Legal Order to send that money to the XXXX BEFORE the XX/XX/XXXX deadline on their notice to me. They refuse to provide it saying they dont have to provide it for me the money has been sent to the XXXX and there is nothing they can do to credit my account that money. 

Im looking for some kind of accountability on why they did something without informing me and that goes against the notice I was given. I was rushing to get everything the XXXX was requesting within the time frame of XX/XX/XXXX based on the notice I received from the bank so why did they break their notice without informing me. Im just looking for a Legal Notice to send my money to the XXXX before the date on the Notice because the XXXX said they DID NOT provide that to them so who authorized the early transfer and why?

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
The company for months claimed I owed them {$5400.00} I kept telling them I did not. Months prior I filed an identity theft report with XXXX XXXX police department in Connecticut, I told XXXX that my information was compromised by someone who claimed to be them. They just kept giving me the runaround This is a conversation between myself and a supervisor wherein they admit to filing fake inaccurate credit reports, I maintained my calm but this thing had been going on for some time and they continued to make errors and promises to correct them but did not. 

XXXX video of Conversation between myself and XXXX bank supervisor XXXX XXXX XXXX XXXXXXXX I sent the documents required to have the false reports removed from my credit file, but months have passed and nothing has been done.

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
The company for months claimed I owed them {$5400.00} XXXX kept telling them I did not. Months prior I filed an identity theft report with XXXX XXXX police department in Connecticut, I told XXXX that my information was compromised by someone who claimed to be them. They just kept giving me the runaround This is a conversation between myself and a supervisor wherein they admit to filing fake inaccurate credit reports, I maintained my calm but this thing had been going on for some time and they continued to make errors and promises to correct them but did not. 

XXXX video of Conversation between myself and XXXX bank supervisor : XXXX XXXX XXXX I sent the documents required to have the false reports removed from my credit file, but months have passed and nothing has been done.

Company response to consumer: Closed with explanation