vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: GA

Complaint narrative:
I sought Loss Litigation and was referred to XXXX and talked to a Representative. The Representative told me we needed to schedule a meeting with the mortgage lender. 

Within an hour someone called identifying themselves as being assigned my case and told me he was going to help me through this and after two payments we could begin the process of restructuring rhe current loan and even how it would lower my payments until I could get a medical release and find employment after my employer let me go while I was out on XXXX recovering from an incident that was actually related to work. 

After paying the gentleman {$1800.00}, my roommate said something sounded funny and attempted to speak to the guy who became irrate. Well none of the money wS applied to my loan and it does not appear he still works there or possibly was not their employee. I just don't know how his calls would show the mortgage lenders name and he would have so much information. 

I questioned him several times because up until this year I had never bounced a check in my life, because I was behind I had to make other payment arrangements I feel so stupid and worthless as I am in the process of losing my home and the only reason I fell behind was that while I was recovering from a work related injury, after 8 years of employment they let ne go

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
On XX/XX/2022. Caliber home loans send me a letter stating that Im late with my mortgage payment and they will send it to a debt collector if I dont take any steps to pay. This mortgage payment is set up automatically every month. Getting this letter trigger me to send another payment. The result of this additional payment, I got charged by my bank with overdraft fees. 
Tried reaching, first on I called the following day after the mail was sent. Called again the following week try to speak to a Manager to get some answers but until today XX/XX/2022 no one has tried to reach me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reached out to Experian to explain theyre reporting inaccurate information. The accounts do not belong to me so please remove them and they came back to say the accounts are verified in less than 24 hours. I provided proof that I was born in the year XXXX so it is not possible for the accounts to be mine because I was around 14 years old when the accounts were established. I atttached my license, voter registration card, diploma, and a picture of me holding my high school diploma on XX/XX/XXXX but they refused to remove this inaccurate information. Please help me.

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 2022-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: NY

Complaint narrative:
This complaint is to establish a contemporaneous record and to establish that still i am locked out of my account and unable to comply with the 90 day dispute federal law in which to file timely disputes. 

I have not received a copy of my statements by mail. 

This complaint shall serve as my demand to file disputed charges for all of the transactions that happened from XXXX, 2022 to present. 

This confirms that I wish to file a dispute for all of the transactions on my Credit Karma Money XXXX Account XXXX. I which also that this time evidence would be provided if the dispute is or is not in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting a dispute here because I was unable to file a dispute online with Equifax and XXXX, and XXXX. 

Review the attached document for supporting documentation. 

You will find Gross Negligence in the reporting pattern of XXXX. There are several XXXX violations being reported to each credit bureau. All violations are labeled for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: TRANSWORLD SYSTEMS INC
State: MS

Complaint narrative:
I WOULD CALL CUSTOMER SERVICE THEY ADVISED THE PAYMENT MADE WAS OK I LATER RECEIVE A LETTER FROM COLLECTION AGENCY SAYING THEY WAS IN CHARGE OF THE ACCOUNT YET I LOGGED INTO MY ACCOUNT AND SCHEDULED THE PAYMENT AS AGREED BY THE AGENT I CAN NOT PAY THE CREDIT CARD COMPANY AND THE COLLECTION AGENCY AT THE SAME TIME FOR THE SAME ACCOUNT THIS IS TRULY AN ERROR IF THEY ARE DOING THIS TO ME THEY ARE DOING THIS TO MANY OTHER CARD HOLDERS MAKING ERRORS ON THEIR ACCOUNT AND SENDING THE ACCOUNT TO AN AGENCY AND STILL HAVE THE ACCOUNT OPEN RECEIVING MONEY NOR ADVISING THE CUSTOMER THAT THE ACCOUNT IS CLOSED OR IS GOING TO CLOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am submitting a dispute here because I was unable to file a dispute online with XXXX and Transunion, and XXXX. 

Review the attached document for supporting documentation. 

You will find Gross Negligence in the reporting pattern of XXXX. There are several Gross violations being reported to each credit bureau. All violations are labeled for review.

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 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NC

Complaint narrative:
I am submitting a dispute here because I was unable to file a dispute online with XXXX and XXXX, and XXXX. 

Review the attached document for supporting documentation. 

You will find Gross Negligence in the reporting pattern of DiscoverCard. There are several Gross violations being reported to each credit bureau. All violations are labeled for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
Bank of America reported a delinquent payment to credit bureaus ( XXXX and XXXX ). I do not have an account nor a credit card with the Bank of America and I never received a bill or a notice regarding any dues! Yet they have reported it without 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 non-monetary relief
Consumer complaint received 2022-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
There is no way to submit a compliment so I am using this form to reach my bank. I want them to know that my TJX Reward credit card that I had for many years was the most fun credit card I have ever had. It was a bright spot in my life and I looked forward to all the coupons that I would get at the end of the month with which I would plan a little shopping spree at my favorite stores. Cash back is no fun... .it just goes somewhere to pay some bill. TJX or Synchrony Bank was also very good to me in little ways. I liked to keep my credit card limit low because if it were ever stolen the person couldn't go too crazy with voluminous spending. This was unlikely to happen because I kept it in a secure RIFD cover and tied it to my clothes instead of my purse which would be impossible for someone to take. Sometimes, however, I would unknowingly get too close to my limit and have to make a payment quickly. They were very kind to process my payment immediately which no other bank could do or was willing to do. 
I just want Synchrony Bank to know that I miss that part of my life and I am grateful for those years that we were together.

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 2022-09-01 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: PA

Complaint narrative:
I have been dealing with identity thrift for almost XXXX years now with mis use of my information and fraudulent information on my credit reports I have reached out to credit companies multiple times for dispute I have tried disputing on my own no help I would like these fraudulent information off of my credit reports

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 2022-09-01 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: NH

Complaint narrative:
XXXX XXXX XXXX  reported a delinquent payment to credit bureaus ( Transunion and XXXX ). I do not have an account nor a credit card with the XXXX XXXX XXXX and I never received a bill or a notice regarding any dues! Yet they have reported it without 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 non-monetary relief
Consumer complaint received 2022-09-01 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: PA

Complaint narrative:
I have been dealing with identity thrift for almost 2 years now with mis use of my information and fraudulent information on my credit reports I have reached out to credit companies multiple times for dispute I have tried disputing on my own no help I would like these fraudulent information off of my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: PA

Complaint narrative:
I have been dealing with identity thrift for almost 2 years now with mis use of my information and fraudulent information on my credit reports I have reached out to credit companies multiple times for dispute I have tried disputing on my own no help I would like these fraudulent information off of my credit reports

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 2022-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
XX/XX/2021 {$28000.00} hud {$290000.00} first mortgage with Lakeview loan by XXXX Lakeview gave me an 18 month forbearance loan due to covid hardship At the end of the 18 months they redid my first and I was told I didn't need to qualify since it was already approved. 

We signed our loan docs with a promise to pay to Hud for {$28000.00} No where did we see that we would have to pay back the amount we didn't pay for 18 months, plus an additional amount of XXXX to Hud and there would be no reduction off the first once we did pay the XXXX. 

So we got an equity loan with another bank and they wanted the lien paid so they wouldn't be in the third position. 

When the loan went thru they sent a {$28000.00} check to hud and paid it off. This didn't reduce our {$290000.00} first at all and safe cu, Lakeview loan/XXXX and hud gave no good explanation while I almost paid double for a freeze in payments and I have yet to see an email of the breakdown. 

I have called multiple hours, lots of emails and very little help on the matter of the last two months. 

This was like borrowing {$1.00} from a friend and then he says don't worry about paying me back for 18 months then having to pay him back the {$1.00} and owing his brother XXXX on top of it. This is literally like dealing with a loan XXXX and I would never have done the forbearance if I would have know that I would be paying almost double for a freeze in payments. 

Can I please get an itemized breakdown of why and how this happened from Lakeview and I would like to dispute that I owe the 18 months lost payment plus a XXXX penalty

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 2022-09-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts 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 2022-09-01 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: CITIBANK, N.A.
State: MD

Complaint narrative:
This is my response to the previous response from XXXX XXXX 's letter. This response is not from a third party, this is directly from XXXX XXXX. I have called and left messages with the executive office and have been unable to reach XXXX XXXX. I have disputed the data being reported with the consumer reporting agencies and the furnisher, Citibank , N.A . I have received notices confirming accuracy of reporting ( see attached ). As a furnisher, Citibank, N.A has a duty to provide accurate information. In XXXX XXXX 's letter it is stated, " As a credit provider, we are obligated to report the account accurately to the credit reporting agencies, whether it is favorable or unfavorable to the consumer. '' The information you listed in the attached letter is inaccurate with what is being reported which means you did not conduct a proper reinvestigation. It is clear that Citibank, N.A willfully failed to comply with 15 USC 1681s-2 ( b ). Citibank, N.A must be held liable for all damages as specified in 15 U.S. Code 1681n and 15 U.S. Code 1681o. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Citibank, N.A, a financial institution, has transferred my nonpublic personal financial information to a third party without giving me the opportunity to opt out. It appears that this may be a violation of 15 U.S. Code 6802 ( b ). Non compliance with The Gramm-Leach-Bliley Act must be investigated by federal agencies.

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 2022-09-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts 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 2022-09-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: VA

Complaint narrative:
I noticed a large transaction on my account which I called DirectExpress about and made a claim for {$720.00}. The customer service rep noticed another transaction from the same merchant ( XXXX ) for {$180.00}. The customer service rep told me that my card would be canceled and a new card would be sent out. In the meantime I could not get into my account while waiting on my new card. When my card arrived I was able to access my account and found three more unauthorized transactions, 2 from XXXX XXXX, and 1 from XXXX XXXX, Totaling {$99.00}. Neither of the 3 merchants have I ever ordered or dealt with before. 
After a few days I called to follow up and was told that my paperwork was not complete. I redid my paperwork, followed up a couple of days later, was told that my paperwork was complete. I informed the customer service rep that I really needed my account to be credited because I had bills that needs to be paid, especially my mortgage and I would really appreciate if I could receive funds credited to my account. I was told by the customer service rep that they would note my account so the investigators would consider crediting my account. I followed up two days later and was told my claims were denied, and they could not give me a reason why I would have to wait on the paperwork to come through the mail. The reason given was I had given authorization to the hackers to use my card, which is ludicrous. Come to find out they have one merchant listed on my first claim that I use frequently and they used that one merchant to decide to deny both claims. If they had looked at ( MY ) paperwork, they would have seen that I only have listed the one merchant ( XXXX ) which had two transactions and on the other claims I have three transactions, XXXX from XXXX, XXXX from XXXX XXXX, which Ive never ordered from. But they used this one merchant ( XXXX XXXX XXXX ), which I use frequently, that should NOT have been put on claim list, And made a total denial determination on both my claims. Only if they had truthfully done an investigation, looked at MY paperwork, they wouldve seen the transactions that I was claiming. But they did not! It makes me wonder how many other veterans or senior citizens or anyone are getting XXXX by DirectExpress. Its disheartening to know that a big company like this is contracted by the federal government is treating veterans and others in this manner. Its sickening!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have several inquiries on my credit report I didn't authorize. 

XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX 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