vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Carrington mortgage force placed insurance on my loan XXXX i already had insurance through my hoa. CMS. Carrington, added XXXX. XXXX on my monthly payments in XXXX, send me to foreclosure for the overcharges of insurances and violated the hardship not applying forbearance and repayment plan after the hurricane in XXXX in Florida XXXX XXXX, mortgages were not sending to forclosure carrington supposed to help owners after huracan, l lost my business, it got shut down the building, for 3 months, due to flood and damages And carrington send me to forclosed my account charging me extra XXXX. Force place insurances that never was corrected properly it was still overcharges erros. I called for 2 years for correction and erros negligence, I paid a lawyer to modify my loan XXXX. Carrington didnt modify the loan actually send me to foreclosure Ruin my credit for 3 years. I hired another lawyer that charged me XXXX. and more to fight foreclosure within 3 years Carrington didnt offer me loan modification correct loan or repayment plan, nothing l want to take legal actions for mental stress, l was finishing paying loan In 10 years at that time XXXX,. Not now they took me out my good loan put me in a longer 20 year or more more money more charges. Didnt put loan on forbearance on XXXX did nott offer nothing. After pandemic actually ruin my credit more charging fees in XXXX XXXX while payment on phone etc. is a predatory mortgage violated rights as a consumer and more mental stress and l lost XXXX more on lawyers. I need that money to paid morgage not lawyers. Total Negligence not offers of modification and forbearance and ruining the credits after the covid pandemic. Total abused XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: CA

Complaint narrative:
I did not open these accounts I HAVE A POLICE REPORT NUMBER FOR THESE ACCOUNTS XXXX. OFFCER XXXX XXXX XXXX. THESE ARE NOT MY ACCOUNTS PLEASE REMOVE ASAP

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 2023-10-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not open these accounts I HAVE A POLICE REPORT NUMBER FOR THESE ACCOUNTS XXXX. XXXX XXXX XXXX XXXX. THESE ARE NOT MY ACCOUNTS PLEASE REMOVE ASAP

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 2023-10-03 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: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Hatfield, Inc.
State: NJ

Complaint narrative:
Hatfield Inc DBA Grid has reported me late incorrectly. They promised to update the report but they are not ignoring me. In addition, they are refusing to cancel my subscription and attempting to charge me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: SC

Complaint narrative:
I initially had a payday line of credit for {$2400.00} from XXXX, which I mistakenly maxed out within 1 year. But as it stands now my payment is {$280.00}, with {$240.00} of that going towards interest, which is blatantly outrageous. So I stopped making payments but would be interested in some type of agreement with the company to drastically reduce the interest rate, so that I can afford payments with paying an acceptable portion going toward the balance, and not the outrageous interest rate that I was previously paying. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit 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: OK

Complaint narrative:
So from XXXX to XXXX time frame somebody had stolen my card and pin on my XXXX  card which used XXXX approximately on the card on XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-10-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I contacted my mortgage company XXXX XXXX in XX/XX/XXXX, they didnt follow the different available forbearance program guidelines under federal law. I have an fha loan which was XXXX dollars a month when I contacted them in XX/XX/XXXX. They started the forbearance from XXXX to XXXX til roughly XXXX of XXXX. My account ended up being delinquent for XX/XX/XXXX which was the first problem with XXXX XXXX. I called to request for the full 18 months forbearance that was available which was refused as I was still struggling terribly. After it all I started to work on a modification at that point where they told me my Mortage had was XXXX a month however they would give me a 3 XXXX XXXX at XXXX a month and if I could fulfill those terms I would pay the XXXX a month not to mention I would owe them the full amount of XXXX XXXX dollars of the money due of the forbearance period and would not be put to the back of my loan. I explained if I couldnt pay XXXX how could I pay XXXX to then go to XXXX plus the XXXX. I called continuously through the process where they said they would see if they could work out a different modification. I find out my loan was sold to Sps portfolio in XXXX of XXXX. Now XXXX currently dealing with Sps with missing recorded calls and so called different modifications information from XXXX XXXX and now they want to keep my original Mortage payment of XXXX. XXXX still dealing with the financial effects of COVID plus inflation of taxes insurance food utilities etc. I have not been offered absolutely any government available programs which could lower my interest principal monthly payment anytime to solve the effects of the pandemic disaster. I feel I should have all government available options to me which was not given to me. Regards XXXX 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 2023-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I entered into a settlement agreement with Barclays American Airlines Credit Card in XX/XX/2020 for {$4400.00}. The payment was processed the first week of XX/XX/2020. I then received a letter stating that the account was paid off as agreed and the account was closed. 
Then earlier this year I was contacted by XXXX XXXX XXXX XXXX saying that I owed them for the unpaid Barclays account. I disputed it and sent them proof that it was paid, but they are refusing to close the case. They have called repeatedly and sent a letter threatening legal action for a debt that was paid 3 years ago.

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 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX  reported my account as being delinquent even though they we fully paid with no lapse. They got money from progressive on XX/XX/2023 then turned around in XXXX or whenever they did and reported to XXXX XXXX and TransUnion

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 2023-10-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: TX

Complaint narrative:
I took out a loan of {$1000.00} with my bank and the terms of the loan were they would release {$200.00} initially and {$800.00} when loan was paid off. I paid off my loan on XXXX and was told the process for the {$800.00} would.be credited to my account by the XXXX business day. I contacted the bank on the XXXX business day and was told the transfer was rejected by the bank and has not provided a resolution

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer. reporting agency can not furnish an account without my written instructions 15 U.S Code 1681b in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting. agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2023-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I used my credit card to purchase XXXX XXXX XXXX XXXX size XXXX shoes from online vendor XXXX on XX/XX/2023, for {$220.00} through XXXX. After the purchase I immediately contacted my credit card company to rescind the purchase because I suspected fraud on the part of the vendor. This suspicion was based on other customers who complained online that the company never responded to their complaints after failing to receive purchased goods. My credit card company initially reversed my {$220.00} charge pending a fraud investigation. I followed up with the credit card company in writing on XX/XX/2023, that I never received the shoes, even though the vendor claimed to have delivered them to my residence via XXXX XXXX XXXX on XX/XX/XXXX. I learned about this so-called XXXX delivery not from the vendor but from the credit card company. The vendor never acknowledged receipt of my {$220.00} purchase via email, never sent me the XXXX tracking number, and I never received the tracking number from UPS even though I am a member of XXXX XXXX, which is supposed to deliver such notifications to me via text or email. I first received the tracking number from my credit card company more than a month after the package was supposedly delivered. When I tried to plug in the tracking number through the XXXX website, it wouldn't allow me to file a complaint about a missing package. In late XXXX my credit card company rejected my fraud claim for lack of evidence and posted the {$220.00} charge back on my card, even though I had also complained that I never received the shoes. So on XX/XX/2023, I wrote back to the credit card company demanding a full {$220.00} refund because I still had not received the shoes. I also emailed XXXX on XXXX, XXXXXXXX XXXX demanding a full refund and never got a response. In addition to the letters I sent I also had phone correspondence with the credit card company 's fraud department on XX/XX/XXXX and XX/XX/XXXX in which I complained about not receiving the shoes. Both calls to my knowledge were recorded. I am seeking a full {$220.00} refund because I never received the shoes I purchased.

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 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: TN

Complaint narrative:
XXXXXXXX XXXX  reported my account as being delinquent even though they we fully paid with no lapse. They got money from progressive on XX/XX/2023 then turned around in XXXX or whenever they did and reported to Lexis Nexis and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: CA

Complaint narrative:
My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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: CA

Complaint narrative:
My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative. And, also I dont know this item, not mine. You're reporting this item erroneously. This is an error and inaccurate information must be deleted from my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete this.

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 2023-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On the XXXX of XX/XX/XXXX I had went to my bank mobile app and noticed that there was an ATM check deposit in my account of {$2500.00} and then another one of {$1500.00}. The location of these transaction were made in XXXX CA when I live in XXXX XXXX and was working at the time. The only one that has access to this account is my son and he also lives in XXXX XXXX and was here as well. Right away they took out {$480.00}, {$2500.00} and then {$1500.00} and then {$3000.00}. I right away called the bank and they closed the case because they thought it was my son but my son does not have an atm card for that account. They opened it again and then they closed it again and then they opened it again on XX/XX/XXXX saying they will get in touch with me within 10 days and nothing ever happened. Those checks were also not in my name and not only did they take those checks money but they also stole my money that i had on that account and the bank has not done anything about it. I am currently - {$1500.00} because of it. They also closed my account.

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 2023-10-03 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-10-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to clarify that I have not initiated or authorized these accounts in any way. These accounts have been fraudulently opened without my consent or knowledge. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, and the Federal Trade Commission ( FTC ). I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. I kindly request that you conduct a thorough investigation into the validity of these accounts and take the appropriate actions to remove them from my credit report as they are not the result of any legitimate transaction or credit application made by me. The following are the specific accounts in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these accounts ASAP.

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 2023-10-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief