vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
received from my servicer, Freedom Mortgage, new escrow account analysis around XX/XX/23. Freedom Mortgage gave option for me to pay " shortage '' - so i did - and Freedom Mortgage acknowledges receipt. Now Freedom Mortgage is telling me their system says my payment does not match what i see online and i owe more than my online account says!?! 
On phone with rep for over an hour debating discrepancy, asked for escalation. only option given was a " call back ''. i refused and demanded to speak to someone. was disconnected by rep additionally, over 2 weeks ago i renegotiated my homeowner 's insurance, followed directions on freedom mortgage website to submit EOI/dec page and requested new escrow analysis. ( which freedom mortgage acknowledges they have new XXXX  page ) and am told today that they were not aware i requested new escrow analysis and they would request a new analyisi how do they acknowledge receipt of new much lower HOI and assume i wouldn't want revised monthly payment???

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
We closed on a newly built home on XX/XX/XXXX. Our loan was immediately sold from our originally lender to Mr. Cooper Mortgage. We were paying $ XXXX with {$510.00} being allocated to our escrow account.They ran escrow analysis on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and again in XXXX XXXX  In XXXX XXXX XXXX Mr. Cooper failed to pay our property taxes. XXXX XXXX assessor confirmed the property value at XXXX with an assessed adjusted taxable value of XXXX in XXXX XXXX XXXX With the average property taxable value for our zip code being great than XXXX. In XXXX XXXX they came to the conclusion that my monthly payment should be lowered bringing my escrow from $ XXXX to $ XXXX. Paid my XXXX property taxes in XXXX XXXX XXXX  leaving our escrow at {$510.00} - less than the known amount of our homeowners ins cost ( which they would be paying in 3Mo ) not including any amount to go towards property taxes. Paid our homeowners ins for XXXX XXXX XXXX leaving our account at- {$150.00}. Never were we notified of the significant deficient in our escrow. Now XXXX XXXX XXXX they have notified us of the deficient. Our latest statement XXXX  shows- {$3700.00} in our escrow. Our escrow statement from XX/XX/XXXX shows a shortage in the amount of {$5400.00}. Then on XXXX another escrow analysis was ran showing the shortage at {$4900.00}. Ultimately, increasing our payments by either $ XXXX ( there shortage statement from XX/XX/XXXX ) or {$670.00} ( there shortage statement as of XX/XX/XXXX ) - not sure which is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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 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 2023-01-31 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
I made a purchase with my Synchrony Bank American EagleXXXX credit card, the order was only partially shipped. The payment was due in XXXX, I called the credit card XXXX and they told me to pay only for the portion that I received and that they would file a dispute for me. I received the bill in XXXX with late fees and interest. I called the credit card company and was told that I didnt have to pay as it was found in my favor and that all charges would be reversed. I received another bill in XXXX and called them again and was told the same thing again. I received a text from the credit card stating that I was late. I called again and spoke to a supervisor and was told that they were resolving the issue for me, I asked them to reach out to the credit bureau to let them know I wasnt late so that it wouldnt go against my credit. I received a letter stating that they reported my payment as late 66 days. The letter was dated XX/XX/2023 and I called on XX/XX/2023. I was lied to on XXXX occasions and was reported to the credit bureau as being late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Mortgage Department Processed a Forbearance Loan with a very high interest rate because I was struggling trying to pay my regular loan payments in 2012. I was trying to save my home, because Wells Fargo was threatening to foreclose on my home. I was unaware the forbearance loan would increase my loan payments as well, that is exactly what happened. Wells Fargo indicated that I could apply for a loan modification at that time, which would lower my loan payments. I applied for the loan modification, with advice of the loan officer. Several weeks passed, I had not heard from Wells Fargo and I was told that, they could not locate my paperwork and I was asked to resubmit all the paperwork again. After months of having the same thing to happen, no paperwork I was denied because they had no paperwork for me. I submitted the same loan documents five time, only to be told they never received them. I never got a loan modification. I lost my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: MS

Complaint narrative:
I saw on my credit report that a charge from XXXX was showing as a charge off on my account. I did not open this fraudulent account with XXXX. Ive reached out to them several times and was informed they can not assist with this inaccurate fraudulent information showing and they apologize. This has been on reporting fraudulently since XXXX  and I have been going back and forth with XXXX and the credit bureau to get this handled. A police report was filed for this identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31 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: MS

Complaint narrative:
I saw on my credit report that a charge from XXXX was showing as a charge off on my account. I did not open this fraudulent account with XXXX. Ive reached out to them several times and was informed they can not assist with this inaccurate fraudulent information showing and they apologize. This has been on reporting fraudulently since XXXX  and I have been going back and forth with XXXX and the credit bureau to get this handled. A police report was filed for this identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
From my calculations this company is charging me over 30 % interest. Roughly close to 45 % interest which is way higher than nys allows. I was under impression from dealer that it was going to be 16.9 % interest. Plus they made me put a down payment of {$1200.00} and made my payments {$510.00} a month on a 2016 XXXX Car with taxes was sitting at just under {$22000.00}. With interest rates loan went up to just under {$33000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
hello I had an insurance policy with XXXX paid my last bill XX/XX/XXXX called in advance to cancel before my payment in XXXX, they said they would process it and there was no current debt owed because I called before my payment date and now months later I got a letter from collections saying there's debt. my mom called to dispute after my payment date to confirm and now there saying at that time there was a payment but that's past my date when I called ahead of time. that same week I got insured through another company ass well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: FL

Complaint narrative:
The company of XXXX is trying to say I still owe {$1000.00} dollars for the services, which is already paid. Ive paid them and tried disputing the debt from my credit but nothing ever works.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I received another dispute letter from Equifax dated XX/XX/2023. It continues to show ( page 5 of 8 ) that I have a {$59000.00} balance with the XXXX XXXX XXXX. I have contacted XXXX about this issue many, many times in the last 2 months and nothing is resolved. XXXX did not report my balance with them accurately despite what they have reported to cfpb. Please see the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
my car was stolen recovered and repoed. My daughter and I live in XXXX and as of XX/XX/XXXX XXXX Wells Fargo left us stranded in XXXX. My daughter is in honors and an advanced student.We drove out of town for family emergency. We are currently stranded and Wells Fargo is not expressing concern. How are we supposed to get back.I lost my job because of Wells Fargo careless attitude when it comes to there customers. They are very deceptive in there loan practices. And they dont care about families. A bunch of crooks and opportunists. I want Wells Fargo to pay for me and my daughters airfare back to XXXX and pay lost wages to date.This has been the most horrible experience ever. I will never recommend to do business. I was on phone with rep she said go in bank to refinance guess what they havent refinanced since 2019. A wild goose chase misinformation leading no where. Wells Fargo do the right thing and get my daughter and i back home you heartless morons.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo bank claims my checking account was negative XXXX and they refused to unhold my account until I balanced out my account prior to them locking me out of my account my savings balance was XXXX dollars when I called to get my account unblocked they claimed my savings was only XXXX dollars and I was in the negatives in my checkings account Im the amount of XXXX when asked why they read me transactions that I transferred funds from my savings to my checkings to cover these transactions and it was immediately available to cover these transactions which left my savings in the amount of XXXX before they locked me out of my account in order to proceed and have my account back I had been told by there loss provention I need to visit a branch and have them transfer money from my savings to my checkings account and balance my account in order to have accesses to my bank account again which I did with a bank teller when asked by the bank teller if they would removed the hold they proceeded to tell the bank teller that they would have to place my account back on hold after I balanced my account when the bank teller asked why there only answer was become they have to and they had no explanation what so ever as to why I strongly believe they took my money and covered it up when asked about the transfers that I made from my savings to my checking account to original pay for said transactions that caused my account to be extremely negative they responded that apparently I never transferred anything which is suspicious due to my wife was right next to me as a witness when I made these transfers these events occurred between XX/XX/2023 and XX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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:
See attachments! 
Inaccuracies and unverified information on my consumer report has caused me to lose faith in the banking system!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: NY

Complaint narrative:
I have on my credit report XXXX fraudulent hard inquiries in my name from XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all 3 fraudulent accounts in the sum of {$4200.00} open XX/XX/XXXX. XXXX XXXX have 2 fraudulent accounts in the sum of {$1400.00} open XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXX 1  fraudulent account in the sum of {$830.00} open XX/XX/XXXXXXXX XXXX  have 1 fraudulent account in the sum of {$300.00} open XX/XX/XXXX. I have written and called XXXX transunion, XXXX about thois manner

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01 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: NY

Complaint narrative:
I have on my credit report XXXX fraudulent hard inquiries in my name from XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent accounts in the sum of {$4200.00} open XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX fraudulent accounts in the sum of {$1400.00} open XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX  have XXXX fraudulent account in the sum of {$830.00} open XX/XX/XXXXXXXX XXXX XXXX  XXXX fraudulent account in the sum of {$300.00} open XX/XX/XXXX. I have written and called XXXX, XXXX, equifax about thois manner

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
DEAR SYNCB/AMAZON XXXX XXXX ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01 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: CA

Complaint narrative:
All bureaus have put a long-standing fraud alert on my credit report without my authorization. This is inhibiting my ability to apply for credit. There is no reason why there should be an ongoing alert to be lasting 7 years. This needs to stop reporting on my report as soon as you receive this message. According to XXXX XXXX XXXX, A consumer needs to provide the bureaus with written consent for changes to the credit report. Not once did I provide written consent to place a long-lasting fraud alert on my account. It is causing more harm than good and is creating hardship in my financial life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: I.C. System, Inc.
State: VA

Complaint narrative:
The I.C. System, INC {$820.00} I dont recognize this company. Also, I have for derogatory checks on my credit all on the same date of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all come from one car dealership that said they would not run a credit check on me now is having 4 derogatory checks on my report and XXXX XXXX XXXXXXXX

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