vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
We came out of forbearance with Freedom Mortgage and signed a new loan agreement in XXXX of XXXX. In XXXX of XXXX I went to make my first payment and noticed that the payment amount was not what was signed in the contract. I reached out to the mortgage company and was told that it was just the system updating to make my payment that was in the contract and it would update in the system. I mailed in my payment for XXXX. XXXX XXXX of XXXX I went online to make my payment and noticed it showing I was behind a payment for XXXX and was still showing the incorrect amount of XXXX. I called and spoke to someone who stated they held my XXXX payment in suspense because we had an escrow shortage in XXXX of XXXX. When I explained to the lady that we just came out of forbearance in XXXX and that the shortage should have been figured into our new payment amount I was informed not to make a payment until I got a new statement with the corrected payment amount. I never heard back from them called again two weeks later and was transferred multiple times and finally was told we were right and our payments should be XXXX per our signed contract. They said they were escalating our loan to be fixed again never asked for a payment and still had one payment held in suspense. We get into XXXX and called multiple times that month and were told the same thing they were escalating our loan they back office was busy and that our payment amount should be fixed. At this point we couldnt make payments over the system because it was showing we were delinquent for two months while they held a payment. In XXXX we got a letter stating they could take our home if we didnt pay XXXX dollars by XXXX. When we have been calling and trying to get this figured out since XXXX. Its now been reported on our credit, we have two payments sitting in suspense and still have not gotten our payments fixed in the system to the right amount. We called the second to last week in XXXX and asked for our phone records for all phone conversations the month of XXXX be pulled to prove we have been calling and were told not to make a payment until they updated our payment amounts. We have still not heard anything yet.

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 2022-03-22 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: MI

Complaint narrative:
i am the consumer by law and my info was misused and handled without my consent by law isnt legal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
Collection amount for a utility bill in Illinois for XXXX $ dollars that I didnt know about in XXXX which was not approved by me never lived in this state it was put on my report XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I've been repairing my credit for the last two years and I constantly check my credit reports. I noticed that if you go over the limit or have a high credit usage on my credit cards, Experian will throw that on my report quickly costing me lots of points. A few credit cards reported earlier in the month and they still reported again in the same month because I went over the limit on my credit card. Experian will put it on your report fast with no problem. Now since the beginning of XXXX, I have control of my finances and I paid every credit card down, which I would hope will be reported quickly like the negative things are reported. No, I currently have cards that have not reported since the beginning of XXXX and we are almost in the month of XXXX. A few days ago, XXXX account was not reported since XXXX, months ago. I check credit karma daily also and they would get the reports a little bit after experian, but now, they are reporting way faster than experian. Come on, I worked hard on my credit and I would like my points, THAT I EARNED!!

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 2022-03-22 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: Kriya Capital, LLC
State: SC

Complaint narrative:
Credence Resource management telling they been deleted the collection off my credit report. I been calling them for 3 weeks and story is still the same. It keep showing up. Today I called them again, said the same thing, that it has been deleted. It is still appearing on my credit report. I talk to a customer service representative name XXXX XXXX and his Supervisor name XXXX XXXX. XXXX XXXX told me to screen shot it and email it to them ( XXXX. I did that. Then I called XXXX and they transferred me to the fraud department. I told the fraud department what was going, they told me to contact Yall. I called Credence resource manage back, the customer service representative said he had just talk to me but his name was XXXX XXXX and i nere over talk to him in the previous call. They are lying about their names and saying that they deleted off my credit report. I told XXXX XXXX or whoever he is i was gon na get Yall involve. He said he must have talk to some one with a similar name to mine. XXXX XXXX XXXX i called them and all the collection they reported, it was all the wrong personal information about myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22 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: Affirm Holdings, Inc
State: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, Account # 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 an account without my written instructions. 
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 non-monetary relief
Consumer complaint received 2022-03-22 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, Account # 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have had a very difficult time with Shellpoint. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Shellpoint always seemed to lose my paperwork, which I constantly had to re-fax. My representative does not seem to want to help my save my home. I went on a forbearance from CODVID income loss. Shellpoint recommended it during the pandemic. What Shellpoint didnt tell me is the fact they would not help be resolve the COVID forbearance by a modification. Not helping a homeowner resolve the forebears from COVID seems predatory. I have been told by Shellpoint that they did a XXXX XXXXest that came in XXXX XXXX dollars lower than the actual value. My value has gone up considerably so failing a XXXX test seems like fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
foreigner pretending to be One Main Financial sent text the person offered {$10000.00} they already had my banking info and ssn. number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On numerous occasion, I have requested to have erroneous payment status removed. On several occasions, I have asked Equifax and XXXX to remove this data and it has not been removed. I have included examples showing where each credit bureau is reporting a different delinquency for the same account and my example was ignored as well as the information that I requested from them in the allotted time. I have attached a second letter detailing once again what I have asked for over and over. Each credit bureau should be reporting the same consistent information. In the first letter that I sent I asked you to send me several items. I have attached the first letter and a follow-up letter. I am also including the evidence removed. I also want the temporary update freeze removed from my account. As a consumer, I have a right to dispute inaccuracies between the credit bureaus as much as I choose. I provided evidence and it was ignored. I would like to have the disputed data removed because it is not consistent and it is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZWICKER & ASSOCIATES
State: NC

Complaint narrative:
XX/XX/2022 XXXX : My name is XXXX XXXX. I am writing in regards to Zwicker & Associates, P.C.s attempt to collect a debt on behalf of XXXX XXXX. The account ending in XXXX. 
The total balance owed, as I understand is : {$5400.00}. I am writing for assistance because I do not wish for this team to take the harshest penalty on me, by suing me for the funds in which I explicitly do not owe or possess. 
I am a XXXX veteran of the XXXX. I have no available funds or assets to liquidate to satisfy this debt in full or at thirty-five percent. 
I do not own a vehicle. And I do not own a home and I do not own any properties. I am not actively employed. I live with my family and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I XXXX XXXX XXXX XXXX XXXX XXXX 
I am able to secure via family agreement, a full payment, to clear this debt in the amount of {$1500.00} given that Zwicker & Associates, XXXX. is able to accept and agree in full, that, this debt will be satisfied and there is be no further collection attempts and that XXXX XXXX will in good faith honor this payment as a debt satisfied in full with no further collection attempts and all lawsuits will cease immediately upon receipt of payment! 
Zwicker & Associates, XXXX. will be able to reach me via telephone at : ( XXXX ) XXXX, only if this communication is something they are going to accept and allow a payment of {$1500.00} to me made on the date in which they contact me. 
If this offer for settlement is accepted, Zwicker & Associates, XXXX. may contact me via telephone to collect a payment of {$1500.00} in full. Once the payment is posted, they will submit to me via email and fax ( XXXX ) XXXX, a receipt for payment, as well as communication advising that the debt is satisfied and paid in full with no further collection or legal attempts to me made. 

Thank you, XXXX XXXX XXXX XXXX XXXX Ct XXXX 
XXXX, NC XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: OH

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: DE

Complaint narrative:
In XXXX of 2022 Annie Mac gave a false estimate on our monthly mortgage payment. The broker gave us an estimate on the high end of under XXXX dollars monthly with XXXX percent down. We put in an offer towards the house based on this confirmed number. We kept questioning his estimate, finally it was proven to be at least a XXXX dollar difference with XXXX percent difference down. Over a XXXX year mortgage, that would be XXXX dollars difference on the low end. In addition it cost us losing out on the seller paying rent to us. The broker said he would give XXXX dollar credit and a XXXX dollar credit. However we would also have to pay for mortgage points. We could only buy XXXX, and the final result would still be over XXXX dollars a month that would lock in the same day. We contacted Annie Mac and the broker 's father rather than the manger/the broker 's reached out that Friday. We asked for written contact rather than a phone call. The broker 's father is not even in the same office or state. There is more details, but I am not sure what I can disclose here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I reviewed my credit report and it showed multiple errors. The errors included incorrect names, addresses, accounts, and inquires that weren't authorized by me. I submitted multiple letters on XX/XX/XXXX, a second letter in XXXX as well as another letter XX/XX/2022. I haven't received any updates and this is affecting my life majorly due to them constantly reporting incorrect and fraudulent information.

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 2022-03-22 00:00:00
Product: Credit card or prepaid 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: DISCOVER BANK
State: GA

Complaint narrative:
I contacted XXXXXXXX XXXX XXXX to repair a wheel I have. On XX/XX/2001 we agreed on the work to be completed and the price. I am in XXXX, XXXX XXXX is in XXXX NC .I sent him my wheel. About XXXX XXXX after some phone calls and texts I started to be concerned how the wheel was being repaired. After more conversations I was certain the wheel was not being repaired properly despite XXXX continually tell me they did what I asked them to do. Then about XXXX XXXX he sent me a message : " The hub and lug seats are true to the outside of the wheel. It was done on a XXXX milling machine ''. That was what I wanted done. I sent payment. He sent wheel back. I received my wheel and Immediately saw he did not do the lug holes and the bore was wrong. I put the wheel on my car and saw that it was still wrong, XXXX had fixed nothing. I did a charge back through Discover. They sided with the business. We explained to Discover the issue on the phone and they agreed to do a second charge back. They again said transaction was valid. This was around XXXX XXXX we called discover back, they agreed to send me the document XXXX sent to discover. most of that letter was false information. I have sent new documentation to discover, documenting that the wheel was not repaired. I will also send you copies of that documentation. I never would have paid XXXX if I knew he was cheating me. I have the wheel, It is not useable, yet XXXX still says he did no wrong. I just don't understand how all this is possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has been served notice of intent to sue for ignoring over 30 disputes and not following the FCRA rules for many inaccuracies, and missing information. I have spent hours trying to talk to someone on the phone but they just pass me around. There's no one actually working on anything. What clown reopens disputes on things that have been disputed with no resolution more than 20 times? 
Equifax wrongly opened disputes this month in response to my letter of intent to sue, but still hasn't properly responded.. They have cost me thousands in the last 2 years of their intentional wrong doing. I am suing. CFPB please throw the book at them. This is unacceptable and abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY

Complaint narrative:
On the first week of XXXX I noticed some charges on my bank account that was not made by me. I reported fraud on the app and called the Wells Fargo to try to get my money back. I explained that I dont live in the US anymore, I gave proof of my residence in XXXX . My debit card got cloned and was used to put credit on a prepaid phone from Georgia and other things like food. I cant be me, because Im not in the US. The bank opened an investigation and decided twice that because the thief used my PIN number it was approved by me. That cant be true because the debit card is here with me in XXXX. Im already filling a report at the XXXX XXXX police department because what happened is fraud and the bank refuses to believe me. I have proof of all my calls, the claim number, the email I got saying that someone tried to used the card to put credit on a number that doesnt belong to 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 2022-03-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Since XX/XX/XXXX, XXXX Wells Fargo is allowing my identity to be use by some thief. 
The thief has been using my address and my name as well as my email address and how did he/she managed to open multiple bank accounts using my information with or without the help of the BANK in QUESTION? 

Wells Fargo Bank has been sending me statement, letters, emails and even a debit card using my name, my address and my email address on multiple accounts I have not opened. I have NO business with Wells Fargo Bank. 
I have gotten multiple letters and collection letters from Wells Fargo as well. It's extremely annoying the endless amount of time/money that this FRAUD has cost me. 

I met/and contacted the bank on XX/XX/2022 in my community to discuss the issue. I made a report with the local police. I lost money because of this thief. 

But letters continue to insult my dignity and identity. 
Please I need an authentic answer to this issue. I worked all my life so hard to be abused by a thief who wants to steal my identify and commit financial crimes. 
Please contact me ASAP. 
THANK YOU! 
Or email me A fair solution to this issue, would be to compensate me for damages and lost of time, fear and mental health damages to my name/life which already is full of debts. I need to be compensated for the weakness or failure to secure my identity/the use of my personal information tacking my integrity, my dignity and my vulnerability as a hard-working person, a tax payer and a decent name. I want the bank to find the thief and let me know who did it. I want these accounts to be removed and permanently block the thief from further damage to me or anyone else. That's is a security issue because if we cant keep safe the business of money as a way to do make transactions, then we will be all forced to go back to trading goods which is a fair safer way to do business. il.com.

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