vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
I received an email to potentially refinance with Freedom Mortgage, my current lender. I asked repeatedly if there would be any fees associated with a refinance and I was told No on a recorded line. With that information I agreed to run my credit to begin the application process. 

5 minutes after I hung up I received a call back saying there was a mistake and there would be a {$3000.00} fee. That changed everything but my credit was already pulled. 

I asked to speak to a manager and they say they would talk to their legal team to remove the inquiry. 

Ive called multiple times to follow up and have received nothing.

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 2024-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SG and Associates
State: NY

Complaint narrative:
Per the FCRA I am now opting out of any and all authorization I the consumer may have given you, written un written verbal and nonverbal per 15 usc6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: Chime Financial Inc
State: MI

Complaint narrative:
I called XXXX Bank and reported that my Chime Credit Builder card was stolen. I was at my local gas station by me getting gas I believed I dropped my card because I was rushing and got distracted by a panhandler. 

I reported XXXX unauthorized charges and filed a dispute for both charges that was made XXXX XXXX {$80.00} XXXX XXXX {$25.00} XXXX XXXX was denied I made an identity theft report and sent it to the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kornerstone Credit,  LLC.
State: NY

Complaint narrative:
Per the FCRA I am now opting out of any and all authorization I the consumer may have given you, written un written verbal and nonverbal per 15 usc6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST PORTFOLIO SERVICING INC
State: MI

Complaint narrative:
On XX/XX/XXXX I made a payment of XXXX from my checking account to my credit card, Revvi On XX/XX/XXXX I checked my credit cards online statement, but the payment was not received. I thought my payment was not done correctly and I made another payment in the same amount of XXXX on XX/XX/XXXX. The credit card company received both payments and put a restriction on my card due to suspicious payments. I called and spoke to the company on several occasions about my double payment and was told I had to email them a bank statement and a copy of my drivers license. On XX/XX/XXXX I sent them the documents they requested to take the restriction off my card and send one of my payments back to me or apply it to the card. As of XX/XX/XXXX they have not taking the block off my card and will not send me back my extra payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.

Complaint narrative:
I had a whole range of issues with Citibank, from deceptive marketing practices and charging me for services that I didnt receive. My credit card also had a insurance cover which they didnt honour. I have been for over 10 years now trying to get Citibank to fix this and still no positive outcome. Citibank promised to pay some money back, however till this day I havent received a XXXX XXXX. To make matters worse they sold my debt to a debt collector. 

Looking forward to hearing from you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
LVNV you were provided a FTC identity theft report from my previous CFPB complaint and despite this LVNV has remained negligent in removing all credit reporting from all consumer reporting agencies. This is now my second request to delete all credit reporting and honor my FTC identity theft report. I will keep filing complaints until the CFPB itself gets involved for your refusal to honor a federal FTC affidavit that you now have in your possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are two addresses that belong to me I never lived there XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXXXXXX XXXX XXXX.Ca 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 2024-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
XXXX XXXX is in possession of all active police reports in regards to these alleged debts. Please request a copy of these active XXXX XXXX  police reports. The XXXX XXXX police department informed me that they cant enforce XXXX to follow the law that I would be require to handle the matter in civil court for damages. Knights Adjustment these alleged debts are not enforceable as the debts are a result of fraud and illegal use of my personal information. The information received by mail is all in regard to these matters. Please request copies of the police reports from XXXX for your records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: SC

Complaint narrative:
Received a credit report with unauthorized credit inquiries.

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 2024-02-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a car loan and checking account with XXXX XXXX during the time they were taking customers money I received a check for {$100.00} plus dollars but have never been paid back for car loan that was being over charged. And taking my money? I was told I would b receiving more but I still have not

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 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I had a credit card with XXXX XXXX. It was stolen and reported as fraud because someone else was using my card. I closed the card and XXXX XXXX sent me paperwork that the account had closed. They are still reporting on experian that I owe XXXX dollars to XXXX XXXX for a STOLEN credit card. Im furious

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 2024-02-11 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I would like the hard pulls removed

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 2024-02-11 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: CORELOGIC INC
State: NY

Complaint narrative:
I would like the hard pulls removed

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 2024-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Sessoms & Rogers, P.A.
State: NC

Complaint narrative:
on XX/XX/2023 I paid sessoms and rogers, pa {$1300.00} for my past XXXX XXXX XXXX credit card. the court date was to be XX/XX/XXXX and they told me i may have to go to court. I called the court and they said that i still had to attend court. sessoms and rogers failed to alert the court that i paid the debt. i was there in court waiting for their reps to show up on the XXXX of XXXX, but no one was there representing them. they should have contacted the courts on the XXXX to drop the case. the money that i paid them was from my va XXXX and social security XXXX. paying them money from both sources has caused me a lot of XXXX  due to my XXXX from XXXX XXXX. they also rarely answer their phones. and since they didnt show up for court i want them to refund my money, especially since it's from my XXXX payments. Before a debt collector can take Social Security or VA benefits, they must sue you and win a judgment against you for the amount you owe. Then, the debt collector must get a court order that tells your bank or credit union to turn over money from your account or prepaid card. and they did not get a court order for this. they also never gave me time to do the confession of judgement they wanted me to sign, due to all of my military related health issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting 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:
I have paid off the collection from XXXX XXXX XXXX and Experian is not updating my information. I have sent in the dispute with the proof of payment and yet it is still on my credit report. They are late with updating my information! I am in a XXXX XXXX XXXX XXXX to get a house for me and my children and this is affecting me. The late reporting is ridiculous. The late reporting has been going on for months. I have a membership and I am very dissatisfied.

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 2024-02-11 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: NJ

Complaint narrative:
On XX/XX/XXXX I have a hard inquirie from XXXX XXXX On XX/XX/XXXX I have a hard inquiry from XXXX XXXX and another on XX/XX/XXXX On XX/XX/XXXX I have a hard inquiry from XXXX XXXX On XX/XX/XXXX I have a hard Inquiry from XXXX XXXX 

These are on my TransUnion report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In multiple instances I have requested proof from all 3 credit bureaus for what they used to validate debt. I am still not seeing any response to multiple requests, also I have multiple accounts reporting false information and not receiving any response to correct the information on those accounts,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TX

Complaint narrative:
In multiple instances I have requested proof from all 3 credit bureaus for what they used to validate debt. I am still not seeing any response to multiple requests, also I have multiple accounts reporting false information and not receiving any response to correct the information on those accounts,

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 2024-02-11 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: NC

Complaint narrative:
XXXX XXXX XXXX account number XXXX amount XXXXXXXX XXXX XXXX XXXX XXXX account number XXXX amount XXXXXXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXXXXXX XXXX these accounts are not mine was fraudulent open I have police report and ftc report to prove immediately remove these accounts from my credit report immediately and return my score and profile back to normal

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 2024-02-11 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: NC

Complaint narrative:
XXXX XXXX XXXX account number XXXX amount XXXX XXXX XXXX XXXX XXXX account number XXXX amount XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX $ these accounts are not mine was fraudulent open I have police report and ftc report to prove immediately remove these accounts from my credit report immediately and return my score and profile back to normal

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I would like the hard pulls removed

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 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I was affected by the Equifax data breech, and it has affected my credit report a lot and my identity. please clear anything on my Equifax account and credit report. Below is a document with Equifax admittance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: NC

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2024-02-11 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: CIG FINANCIAL LLC
State: GA

Complaint narrative:
I was trying to buy my first home and i realized there were damages on my credit report. According to 15 U.S.C 1681 law there should not be any damages on my credit report, because that is a defamation of my character. I have tried to reach out to the creditor myself with emails and letters I was told my the creditor to " JUST FILE A DISPUTE AND IT WILL BE FIXED '' Well i did just that and they did not send any proof asked in the dispute and they did not fix anything on my credit report. I have been going back and forth with this company for 2 years. The ACCOUNT CLOSED DATE is reporting as XX/XX/XXXX which is INACCURATE. THIS ACCOUNT WAS CLOSED ON XX/XX/XXXX. Attached is the original copy of the agreement letter from XXXX XXXX and the receipt paid on XX/XX/XXXX. This also makes the status of this account incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
on XX/XX/year> I paid XXXX XXXX XXXX XXXX {$1300.00} for my past bank of america credit card. the court date was to be XX/XX/XXXX and they told me i may have to go to court. I called the court and they said that i still had to attend court. XXXX XXXX XXXX  failed to alert the court that i paid the debt. i was there in court waiting for their reps to show up on the XXXX of XXXX, but no one was there representing them. they should have contacted the courts on the XXXX to drop the case. the money that i paid them was from my va XXXX and social security XXXX. paying them money from both sources has caused me a lot of XXXX  due to my XXXX from XXXX XXXX. they also rarely answer their phones. and since they didnt show up for court i want them to refund my money, especially since it's from my XXXX payments. Before a debt collector can take Social Security or VA benefits, they must sue you and win a judgment against you for the amount you owe. Then, the debt collector must get a court order that tells your bank or credit union to turn over money from your account or prepaid card. and they did not get a court order for this. they also never gave me time to do the confession of judgement they wanted me to sign, due to all of my military related health issues.

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 2024-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a checking account on XX/XX/2023. I was lied to about my first check deposit which was made for {$1500.00} on XX/XX/2023. They told me a three day hold would be placed. They held it for three days and released the funds on the third day. Only three hours later after I began using my funds they placed my funds back on hold without notice on XX/XX/2023. When I called they informed me the hold was placed back on my check deposit for an additional 10 business days for verification. This was a check from XXXX XXXX my home insurance policy. It did not need more than a three day verification process. 

I was severely mistreated during this incident. They placed me on excessively long hold times. They responded to my pleas to remove the hold by repeating the exact same sentence back to me regardless of what I said which was The hold will be released in 10 business days. This tactic was used until I was in tears from frustration and hung up. My calls were disconnected several times and no one reached back out to me. The physical branch placed me on long hold times and then transferred me to another customer on hold at one point. Then the branch proceeded to refuse picking up my calls entirely. 

On XX/XX/2023 the funds were made available to me for the second time at which point I immediately withdrew them using XXXX. I then called the bank to request my account be closed. They however did not answer my calls. I called 43 times in one hour and they refused to answer. I tried again the next day on my daughters phone and they picked up on the first try. I was then informed my account had a XXXX cent balance which had to be withdrawn in order to close my account. 

On XX/XX/2023 I drove an hour to the branch to collect the XXXX from my account and requested they immediately close my account. The teller told me he would close it immediately. 

The next day I checked and my account was not closed. Once again I attempted to call the branch but my call was ignored. I tried customer support which informed me the account was scheduled to close but it takes a few days. They claimed it had been scheduled for closure later this XXXX the day on XX/XX/XXXX. 


On XX/XX/XXXX I checked and my account was still open. 

On XX/XX/XXXX I once again trekked an hour to the branch and demanded my account be closed only to be informed it would cost me {$50.00} to close my account. I was told if I waited until the next day they would waive the fee since it would be the three month mark since opening. The teller promised he would close it the next day without any further action from me. 

My account is still open. I am at a loss. They refuse to close it. They lie at every turn. Im at my wits end.

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