vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
My complaint is with freedom mortgage. Loan number XXXX. My sister and I are trying to come out of forbearance due to covid. This process began last XXXX. My sister lives in another state ( NV ) I live in Massachusetts. In XXXX Freedom mortgage sent us a renewed payment amount for a partial claim forbearance plan which was {$400.00} less than our current payment. We were very excited. We filled out all the necessary financial info on their website. It was accepted and they sent us the loan modification packets to be notarized. Even armed with the knowledge that 2 different pamphlets would need to be notorized ( one for my sister in NV and one for me in MA ) they continually sent both packets to me. In the interim, the offers were deemed void because they became date obsolete. No less that 75 phone calls with Freedom have been made and received since last XXXX. They then sent a second set of packets to be notorized to both my sister and I to be notorized on the exact same date in 2 different states. Then submit them. We did that. The notary company that Freedom contracted out to come to my home showed up. We went through the process, she then left with my packet secure in a XXXX XXXX overnight envelope. Freedom claims they received my sisters but not mine. Again, the new offer lapsed because of the time limit. In XXXX, we were put through the process again and a much higher payment was now offered. {$1700.00}. I had my packet notarized and they received it. It was rejected on the basis that only one of us signed the packet even though they told me my sisters portion was on file and accepted.. Again, we reside in different states and the company is fully aware we can not be in the same physical location to both notarize a single packet. This entire time I have been making my payments. One month ago, they sent another packet. This time my payment on the new offer has ballooned to {$2100.00} a month. This payment is now larger that pre-covid and untenable for me financially. I am completely lost. They are starting pre-foreclosure with me now. Im asking for them to honor the first offer which is doable. I have only been able to speak with the same representative one time in at least 75 calls.. They say they are only loan servicers and not decision makers. Please help me. I dont know where to turn. 
Sincerely, 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 2022-10-21 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: NC

Complaint narrative:
I sent letters out to all XXXX credit bureaus and XXXX regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or XXXX party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2022-10-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Brown and Joseph, Ltd
State: CA

Complaint narrative:
I receive a monthly benefit from XXXX XXXX for a permanent XXXX policy that I had purchased. I have also recently been awarded XXXX and was awarded a large amount from XXXX for back pay from when I initially applies for XXXX  in XX/XX/XXXX. XXXX XXXX asked that I remit the back pay I received to them,, as they can off-set the benefit they pay to me by whatever amount I receive from XXXX. 

XXXX XXXX hired a collection agency to collect the overpayment amount from me. As soon as I received the back pay from XXXX, I sent a check, for the amount requested to the collection agency that was representing XXXX XXXX, Brown & Joseph , LLC. 

Unbeknownst to me, they decided to reduce my repayment by my.monthly benefit amount, but did not communicate this to me at all! I sent Brown & Joseph {$53000.00} on XX/XX/XXXX. What I actually owed was {$49000.00}. 

I am owed {$4500.00} and I can not get Brown & Joseph to call me back ( left several messages ) and have not gotten my money back! I have XXXX and that money is needed to pay my monthly bills. I paid the amount they asked for, immediately and in good faith, and now they will not return what I overpaid!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: NV

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
CREDIT ACCEPTANCE CORPOR XXXX LATE PAYMENT In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX  has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for purpose.

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 2022-10-21 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: NV

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: IL

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. 

Account Name : XXXX, Account Number # XXXX, Account Name : XXXX XXXX, Account Number # XXXX Has violated my rights. 

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 reporting agency if the person knows or has reasonable cause to believe that the information 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 2022-10-21 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I was involved in an internet scam that took place through our Wells Fargo Bank accounts ( checking, savings, credit card ). It started in XXXX of XXXX when I commented on a country and western singers XXXX page. The scammer responded as the singer and asked that I set up a XXXX XXXX account to continue our correspondence. 
This individual gained my trust and manipulated me into giving details about myself, including my SSN and banking information. 
In the beginning, I was convinced to pay a security expert to clean my information from the dark web. I withdrew {$120000.00} from my Wells Fargo IRA account and sent them {$100000.00} after tax money. He wanted to make sure I was protected. 
The activity on the credit card was done entirely by the scammer, totaling approx. {$47000.00} ( including interest and fees ). Any payments that were made was an attempt to keep the credit card active, including the payments that bounced. 
He told me a story that his attorney and financial assistant were responsible for stealing from my credit card, that they were arrested and put in jail in Florida. He also stated that they had been stealing for years. He assured me that my credit card would be paid off by the loan he was getting from XXXX XXXX. 
He convinced me that he needed money for more streaming upgrades and that his dog needed an emergency surgery. The vet would not do the surgery until he gave them {$15000.00}. 
Even though my husband was on our Wells Fargo account, he banked at a local credit union in another joint account. He had no knowledge of this scam until I started withdrawing over {$40000.00} from our XXXX  checking and saving accounts in XX/XX/XXXX. 
Including the Wells Fargo credit card, my husband and I are out over {$210000.00} of our retirement savings. 
This brief synopsis doesnt come close to all the dealings that that took place ; the credit cards and bank accounts that were opened at his request, not to mention the amount of money laundering that took place through my Wells Fargo 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 2022-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: AR

Complaint narrative:
Discover Payment for my credit card was due XX/XX/XXXX. On XX/XX/XXXX I did not show my normal {$150.00} fixed amount has processed, so I edited the payment amount to reflect my desired {$230.00}. I authorized XXXX transaction for {$230.00} on XX/XX/XXXX, then on XX/XX/XXXX I recieve an email stating my discover payment for {$150.00} had processed. Now I see an unauthorized payment for {$150.00} out of my account on top of that {$230.00}. I contacted them and they were not helpful gave me the run around and essentially said I was XXXX out of luck for providing groceries for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: Marlette Funding, LLC
State: GA

Complaint narrative:
XX/XX/22 I filed a complaint to XXXX XXXX on some hard inquiries that were not authorized by me nor did I apply for any loan thru Marlette Funding LLC. XXXX XXXX XXXX that Marlette Funding LLc was removed from my consumer report dated XX/XX/22. 
I have enclosed the document stating this fact. 

I filed a complaint on XXXX to investigate on XX/XX/22 about these hard inquiries only to be sent a report on XX/XX/22 stating that their investigation was complete and they updated the information on my credit file and not deleting them. The XXXX report disputing the inquiries was not investigated properly and they also received the document from XXXX XXXX about the removal of the company. 
I have enclosed a copy of the current credit report from XXXX showing the update and not removal. 

I am also seeing this company on my XXXX credit report. 

This Credit reports are mixed up with WHO XXXX XXXX and XXXX XXXX XXXX which they are not showing consistent accuracy. 


I am now filing a complaint on XXXX XXXX filing a complaint about these UNAUTHORIZED credit inquiries. As you can see from the documentation I have provided it is clear that my personal information has been frequently used by this company just by looking at all the dates on my XXXX report, there are XXXX repeatedly for 2 years. THIS IS EXTORTION AND ABUSE TO ME AS A CONSUMER. I want these credit inquiries removed immediately. This is unbecoming of a business and customer service. I would like verification from XXXX showing my signature to validate these credit inquiries, Especially seeing how many were on the XXXX report and the fact that XXXX XXXX REMOVED inquiry off my consumer report and XXXX continues to show inconsistency with other reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XXXX I submitted request to have old address to be removed from my credit report. The old addresses put me at risk of identity theft. I have already updated my report with my current address.

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 2022-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is regarding a previous compliant : XXXX. 
I have attempted to contact Merrill regarding this matter but each phone call to Merrill is dropped or never answered. I have spent over 6 hours on the phone attempting to reach Merrill about this issue. My phone calls are always hung up regardless of who I call and when I call. If I am lucky enough to reach a representative, I am put on hold and the call drops. The hold times for Merrill are extremely long and that is making it impossible to resolve this issue. I suspect Merrill does not want to help me with my account and wants to keep my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
Chase is telling XXXX the account was closed on XX/XX/XXXX but telling XXXX it was closed on XX/XX/XXXX. Chase is reporting to XXXX that I made payment in XXXX, XXXX, and XXXX of XXXX and then says I was 60 days late in XXXX. How did Chase close my account on 2 separate days? How can I make payment 3 straight months and then the following month be 60 days late?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: CA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act the following accounts have violated my right. 

XXXX XXXX XXXX Act # XXXX XXXX XXXX XXXX Act # XXXX XXXX XXXX Act  # XXXX XXXX XXXX Act XXXX XXXX XXXX U.S.C 1681 Section 602 A, states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. These accounts do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Hello, Equifax is govern by 15 USC 1681 and they have violated my rights many times. I demand the accounts below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish theses accounts.

PLEASE SEE ATTACHMENT. 


Thank you

Company response to consumer: Closed with explanation