vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
I was awarded forward payments from HAF ( Homeowners assistance fund ) handled by XXXX on XX/XX/XXXX. I received my award letter and emailed it to Caliber. I was told payment was already sent over via check and allow XXXX business days for them to receive. Every time I call Caliber they have no knowledge of HAF and state no payments received and if payment should come through they are behind XXXX days in processing any assistance payments. They are unaware of my email sent with award letter attached and nothing on my file pertaining to HAF award. I feel Im at a loss with no communication.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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 — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
A bill was received on XX/XX/XXXX from Comenity bank for credit card charges made on XX/XX/XXXX for a total of {$190.00}. I have not used this card since XX/XX/XXXX. The charges were fraudulent and I have spent over XXXX hours on hold trying to get in contact with someone on the Comenity Account Protection team. No one is available to assist ; just hold music and " we are sorry all of our representatives are still busy... ''. No matter what time of the day I call, I have to sit and wait for hours with no response. 

.After some research, it appears that there has been issues with this company since XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I placed XXXX orders with XXXX XXXX online - I ended up cancelling both orders due to issues with XXXX. 
Order # XXXX - Release Transaction # XXXX - XX/XX/XXXX - XXXX Order # XXXX - Release Transaction # XXXX - XX/XX/XXXX - XXXX Bank of America will not release these funds back into my account. I have been calling them since XX/XX/XXXX trying to get the money back in my account. I recently lost my job and this is the only money I have. They are refusing to release my money until XX/XX/XXXX just for XXXX! Please contact them and fine them for consumer aggravation!

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 2022-08-02 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: TX

Complaint narrative:
I have unauthorized inquiries on my credit report and trans union, XXXX XXXX XXXX want delete them. They are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have unauthorized inquiries on my credit report and XXXX XXXX, experian and XXXX want delete them. They are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX Consumer Financial Protection Bureau, On Tuesday, XX/XX/2022 I sent a letter by United States Postal Service First Class Mail to Experian Credit Reporting Agency of California in regards to Experian deleting information off my Experian credit report that still appears on my credit report after seven years of opening a line of credit with the merchant. The account has closed, however the account still appear on my Experian Credit Report. Also, CFPB I sent Experian Credit Reporting Agency an email asking Experian to update my demographics in my Experian account. CFPB, as of Tuesday, XX/XX/2022 Experian Credit Reporting Agency havent responded to my letter.

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 2022-08-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax keeps changing my address to a XXXX store mailbox. I have disputed this multiple times ; they change it then put it right back. This just happened yesterday. There are several items on my report that I dispute, and they ignore, I never receive validation or any reason why. I'm really tired of chasing this down always

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: MD

Complaint narrative:
A Federal Agency is required by law to provide minimum due process not limited to proving the debt is valid and providing for a hearing decision with an appeal process thereafter before reporting derogatory information within a credit file. The Agency has not provided minimum due process. Because a properly and timely requested hearing was never provided for, among several shortcuts and oversights, many rights where not observed and minimum due process was repeatedly violated. The credit reporting Agency was notified of these discrepancies and failed to remove the erroneous premature derogatory reporting from the credit file within investigation XXXX. I notified the credit reporting companies that the Agency must verify the account is mine to include verifying the accuracy of the account and provide a hearing were an additional appeal is available all prior to reporting the account as delinquent. The credit reporting company states the federal agency certified the account was mine with no evidence provided for such determination and the credit reporting company took no position on the derogatory 30 60 and 90 days late reportings despite substantial evidence showing the account has been paid even while pending the active dispute. In addition, the accused also timely requested consideration for a waiver should the hearing decision favor the Agency. The hearing and the waiver requests are both pended thus collection efforts by the Federal Agency to include reporting derogatory reporting are all required to stop until decided and the appeal window has expired as a matter of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
I had a mortgage with Nationstar initiated in XXXX, and refinanced in XXXX. However, Nationstar is now owned by Mr Cooper. Mr. Cooper can not seem to identify any of my historical mortgage documents regarding the loan prior to its refinance with a different company when I call their service representatives on the phone. They do not respond to emails sent to XXXX, which is what the customer service representatives recommend to do. 

I tried calling a Mr Cooper service representative, and he indicated that he checked Mr Cooper, XXXX, XXXX, and XXXX, and although he was able to identify the property he could not access the loan number or documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: VA

Complaint narrative:
on XX/XX/XXXX a letter was sent to COMMONWEALTH FINANCIAL asking to provided Validation of Debt and HIPAA authorization which they could NOT provided.

The debt doesn't belong to me.

Not only that they couldn't provided the proper documentations I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permis- sion to ( COMMONWEALTH FINANCIAL ) for them to release my medical information to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
Freedom Mortgage continues to claim in a later I recently received dated XX/XX/2022 that I do not have insurance coverage for my house and is going to purchase it on my behalf. Freedom Mortgage claimed that they attempted to reach my insurer, XXXX, for this information, but have been unable to provide a good faith effort that they did in fact do so. Freedom Mortgage provided me with a website to upload the proof of insurance, XXXX XXXX XXXX. This website does not work. I tried to access it many times. I then emailed Freedom Mortgage through their secure message system a copy of my insurance documents and asked them to confirm receipt. They failed to confirm receipt and said my inquiry will take 2 weeks of " additional research ''.

I am convinced that Freedom Mortgage is engaged in predatory behavior where they are purposefully failing to recognize my insurance documents in order to purchase an insurance policy on my behalf at an exorbitant rate. This conduct is completely unacceptable.

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 2022-08-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX Capital one finance XXXXXXXX XXXX XXXX XXXXXXXX Was told they couldnt do anything about inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
When opening my Chase Premier account the Bank Manager indicated the exclusive benefits on the account would remain in perpetuity, Fee cashier check, free money orders, free safety deposit etc. He indicated the account would " grandfather in '' and would not change with new account promotion. 

After XXXX  years chase will start charge me XXXX a month for the service. 


I would like to have chase abide my the committment to grandfather my account and it should not change or be switch and I should keep the same service with no additional fee and should not have to maintain a monthly balance of XXXX to avoid a monthly fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I was in a XXXX XX/XX/XXXX XXXX  XX/XX/XXXX in XXXX  for XXXX XXXX months after I had to learn to walk talk write go to physical therapy for over 7 months. Account was open XX/XX/XXXX but I wasnt able to hold a phone nor write or talk due to a XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I called XXXX dispute it with them they closed account and stated they was going to remove it but hasnt its been XXXX  months now. I have a police report XXXX stating that I was in XXXX  and this a fraudulent account need to be removed as well sent in my hospital records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
On XX/XX/2022 I wrote Evergreen Services to request that they stop collection efforts unless to inform me that a specific action is to take place. Instead, they have sent repeated emails, called numerous times, and each message is the same : " We have an important business matter ... '' Now, even after I sent a Revocation of Authority to Contact Third Parties they are calling my daughter and son and harassing them. First, they called my daughter, XXXX XXXX, XX/XX/2022 at XXXXXXXX XXXX XXXX from XXXX. Immediately afterward, they called my son, XXXX XXXX, XX/XX/2022 at XXXX XXXX XXXX from XXXX. Specifically, they asked my children to let me know that they called her and they have a business-related that they have to discuss with me. I understand that these calls are meant to intimidate, scare, and harass me. I have attached photos of the calls to each of my children as proof of what Evergreen Services is doing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American Express will not apply the Military Lending Act to my account. I have confirmed through the MLA database that my wife and I are indeed eligible for MLA. American Express claims that since the account was opened before XX/XX/XXXX that we are not eligible. However, the law states that companies must comply by this date ; it does not state that you are not eligible. 

I filed a complaint, XXXX, in XXXX of XXXX and they refuse to apply MLA to our account. 

Details from American Express : I would like to inquire about the status of XXXX Thanks for the clarification. Let me check the details for you. Please allow me a few moments. 

I am still checking the escalation. Please allow me a moment. Thank you. 

Thank you for waiting. I am sorry to keep you waiting. My apologies. 

I have checked the details from my end. I see that our back end team investigate this and as per the notes they have confirmed the email send on SCRA about this account is not eligible as well.

As per this notes it says.. 
After reviewing your inquiry, our records indicate that you are not eligible for relief under the Military Lending Act. We will continue charging any applicable fees.

And also on SCRA Our records indicate your account was opened during the XXXX XXXX time period. Therefore, this account is not eligible for relief under the Servicemembers Civil Relief Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
I was Incorrectly billed during the Dispute process ( XX/XX/XXXX ) on my Lowes Credit Card.

The Error was to be corrected by Refunding me the Over Charged Interest and Disputed Purchase Amount ; according to the XX/XX/XXXX letter from Synchrony Bank. 
I have not received any Refund.

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 2022-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

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 2022-08-02 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: AppFolio, Inc.
State: CO

Complaint narrative:
Hello Consumer Financial Protection Bureau, Could you contact Appfolio Consumer Relations Agency to conduct a thorough investigation of my Appfolio consumer relations account to determine whether or not Appfolio Consumer Relations Customer Support Representative ( XXXX ) is an employee at Appfolio Consumer Relations Agency? CFPB, why did XXXX state in her email You also have the right to request that we send notification that your report has been modified to any person who within six months prior to the date of this letter received a consumer report about you from AppFolio that contained the disputed information. CFPB, I replied to XXXX email and asked he/she to contact XXXX XXXX XXXXXXXX and provide XXXX XXXX XXXXXXXX with an updated copy of my Appfolio Consumer Relations Report. CFPB, XXXX replied to my email and stated, he/she couldnt send a updated copy of my Appfolio Consumer Relations Report to XXXX XXXX XXXXXXXX after explaining to me he/she could send a updated copy of Appfolio report to any person I asked the agency to send the report to. CFPB, I have attached screenshot images of my supporting documentations to support my complaint against Appfolio Consumer Relations Agency.Also, CFPB I couldnt recover my email to Appfolio Consumer Relations Customer Support Representative ( XXXX  ) who assisted me with my complaint. CFPB, I could only recover XXXX reply emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: MS

Complaint narrative:
Accordance with the Fair Credit Reporting at XXXX  Account listed below has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX 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.

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 2022-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Williams, Alexander & Associates, Inc
State: NJ

Complaint narrative:
I was never notified from the original creditor that a debt was owed. Now I am receiving notices that it went into collection. This is not fair to me and it was delivered to the wrong address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: IL

Complaint narrative:
On Friday XX/XX/2022 I disputed incorrect information on my Transunion Credit report. They have XXXX collections reported as open when in fact I have no accounts open with either of these collection agencies and these both are included in my XXXX  XXXX bankruptcy. I demanded their removal and Transunion refused as they are in violation of the FCRA for reporting very incorrect and inaccurate information. On Today Tuesday XX/XX/2022 I received notification that my dispute was completed, but I have NO results and the accounts in question have NOT been removed. According to the law, an investigation has to be completed and was NOT as I do not have results nor do I have proof one was done, and I also have not been granted access to these results ... Transunion is in violation of my rights under the FCRA

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