vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: UT

Complaint narrative:
i got behind on my mortgage payments during covid 19 but was lucky enought to come up with the money need ed to get my mortgage current in XXXX of this year and made two payments totally over XXXX dollars to freedom mortgage in two separate payments, i have been talking with the company about the missing payments and sent proof of payment to them two separate times and yet my mortgage still shows delinquent and i can not seem to get any traction to get the problem fixed. just seem to get the run around and they have promised to get it taken care of for weeks, but after countless phone conversations i have decided to up the ante.

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 2021-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Tromberg, Miller, Morris & Partners, PLLC
State: NY

Complaint narrative:
Received a letter from debt collection agency. They claimed that I did not show up to court and that they received a judgement. The letter does not state accurate information. This case adjourned because they did have proper proof that I owed this debt and that they did not properly serve me. When I called to inquire about the judgment, the person I spoke to stated that there was not judgement and that they just wanted to get paid. My local civil court states that there is no judgement on record with this company. 
I asked them why would they send a fake legal notice if there was not judgement. I could not get a clear answer. It seems like the debt collection company is using deceitful tactics as a way to bully people to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Carvana Group, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX VIN # XXXX - Carvana Stock # XXXX delivered XX/XX/2021 within 12 hours or XXXX EST a 12inch engine oil puddle has appeared under the vehicle and continues dripping oil. I crawl under for a closer look and discover damage to radiator, front end body panels, paint oversprays and masking tape residue in several sections. Local foreign auto shop replaces engine oil, filter and drain plug w/ gasket as both are necessary. Within the hour the oil leak has returned. Coupled with the obvious front end damage and botched paint job the auto shop specialist opined a potentially serious and costly problem with this vehicle. 

By this time on XX/XX/2021 Carvana has already reached into my XXXX account via the XXXX financial app and removed the {$24000.00}. This action was not authorized by me and contradicts several employee 's testimony and quoted text available at the Carvana website about dispersal of funds. ( see text below ) " What does Carvana use XXXX for? Carvana uses XXXX as a method of funds verification, income verification, employment verification, and address verification. The XXXX connection is encrypted and secure. Connecting a financial institution via XXXX does NOT give Carvana ( or anyone else ) access to your accounts. You are always in control and can manage Carvana 's XXXX connection on our website or the XXXX XXXX '' I attempted to move on with an alternate vehicle and realized Carvana doesn't deserve my trust or business and attempted to sever ties and collect the amount Caravana removed from my account. Today XX/XX/2021 is day 8 of multiple failed attempts to schedule a pickup date/time for the XXXX XXXX and any acknowledgement of refunding the {$24000.00} owed back to me. Now needed for payment of the alternate vehicle I'm moving forward with and Carvana has tied up funding. I'm embarrassed for allowing such a pitiful business model to lure me into this no-win scenario process. Carvana has taken over 14 days of personal and professional time away from me, my family and clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Attempted to dispute with collection agency. Information on all 3 Credit Reports does not match. Date on XXXX is XX/XX/XXXX, XXXX ; no info and XXXX ; XX/XX/XXXX. XXXX shows placed for collection, while XXXX and XXXX don't show any info. 
Date last active on XXXX shows XX/XX/XXXX, XXXX no info and XXXX XX/XX/XXXX. How can there be a 2 year gap between 2 bureaus and no info for XXXX. I want this deleted from all three of my credit reports : XXXX, XXXX and XXXX immediately. As it has a detrimental effect on my credit and due to the fact it is not reported accurately, it should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: PA

Complaint narrative:
I noticed the debt company posting XXXX on Equifax credit report without any proof or reason for any balance due. Starting date XXXX have provided numerous bank statement copies of money withdrawn of monthly dues of my two year contract with XXXX XXXX  and never received any statement from XXXX of showing balance is due.With XXXX  services I only had basic internet services for my daughter to use for after school homework with a monthly balance of $ XXXX policy is you prepaid the month advance. I been disputing with them. XXXX XXXX XXXX can not give me any proof or reason for any debt owned only replying to me that are collecting a debt.XXXX has no prier balanced owned to them.The company brings up an issue that has been resolved and in the mean time my credit score decreases because of the neglects.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: NV

Complaint narrative:
I have been receiving calls from Sunrise Credit Services, phone number XXXX. When I called, I spoke to XXXX XXXX who advised me that I had a balance due with XXXX XXXX XXXX. When I advised that I never had an account, she told me that it was a case of identity theft and that I needed to email or fax a copy of my photo id, social security card, and two forms of residency to XXXX or XXXX, and reference the account number she provided me, which was XXXX along with my phone number. I was advised that services were activated from XXXX - XX/XX/2021 at XXXX XXXX in the XXXX, NY. When I reached out to XXXX ( XXXX XXXX ) directly, they confirmed that neither myself or my wife have ever had an account opened in our name. They also couldn't verify the contact information for " Sunrise Credit Services. '' I think they are running a scam to get people to send their proprietary information to them so they can perform the identity theft. When I called back to " Sunrise Credit Services '' at XXXX multiple times and refused to give personal information and ask additional questions, I was hung up on by multiple representatives. Please look into this as the activity seems to be fraudulent and I would like to help protect other innocent people from being the victims of 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 2021-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: LA

Complaint narrative:
Loan Company / Loan Care - XXXX I have been a customer for several years. All of a sudden, the company stopped taking my autodraft payment every 2 weeks. After several months of long conversations with various billing department employees, I was charged an additional {$43.00} to Re-Enroll my account. This has never fixed the problem. 
I am attaching below all of the dates and times spent on the phone with this company on my part to try and resolve this issue without any success. 
In short, each month I have to call them and make over the phone payments. I can not ever get anyone to call me back to fix this issue. I just want them to take the payment via Autodraft and get this issue fixed!

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 2021-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I filed a complaint ( # XXXX ) and it appears that it has been closed out without resolution ( apparently you have taken Chase 's word that it has been resolved ). I received a call from Chase stating that they could not discuss the specific affiliate that apparently started the chain of events that caused them to close 3 accounts in excellent status. I was told I would receive a " detailed resolution '' by mail, explaining the outcome and that my accounts would not be reopened ( something I did not ask for ). No such letter has arrived. I will not reiterate the details of the complaint since you have the file. What I find disturbing this that I have no recourse. I would never want to do business with Chase again but I am baffled that an " unnamed affiliate '' can stand as the reason, particularly since I have no ideal who that would be. As a consumer, I have been damaged without any knowledge as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I had a credit card with Bank of America that was closed in XX/XX/XXXX when I left to join the Military. Upon closing the account I paid the account off in full, and Bank Of America is still reporting the card 30 and 60 days late on my credit report. Upon calling Bank Of America, they claimed they can't fix it because it occurred greater than 12 months ago. These late payment 's don't show up on any other credit report aside from the tradeline pulled to obtain a mortgage.

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 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I noticed an alert notice from XXXX. It said My credit score had dropped 14 points and I was very concerned. 
I realized it was a company called Money Lion, it says it's a secured loan I've never received any funds from them I've never opened the account and it says it was opened XX/XX/2021, And now it's reporting me 3 months late and it's not and it's not my account. I tried reaching out to the company via the phone number. This is the phone number that they have listed XXXX. When I have tried to call to see what was supposed to have gotten or purchased, it says the number is no longer in service. I'm very frustrated and I have no where else to turn I did a dispute via XXXX on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: AL

Complaint narrative:
Experian has failed to remove this inaccurate account from my credit report. I do NOT owe XXXX XXXX any money nor was I ever late. My insurance company settled the balance, and this account was NEVER LATE. Delete this account from your database because it is harming my credit worthiness and preventing me from obtaining new credit.

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 2021-11-15 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: MA

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Second Round Limited Partnership, Austin, TX Branch
State: NY

Complaint narrative:
Received a letter from debt collection agency. They claimed that I did not show up to court and that they received a judgement. The letter does not state accurate information. This case adjourned because they did have proper proof that I owed this debt and that they did not properly serve me. When I called to inquire about the judgment, the person I spoke to stated that there was not judgement and that they just wanted to get paid. My local civil court states that there is no judgement on record with this company. 
I asked them why would they send a fake legal notice if there was not judgement. I could not get a clear answer. It seems like the debt collection company is using deceitful tactics as a way to bully people to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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 disputed the bankruptcy on my credit report at XXXX on XX/XX/XXXX and on XX/XX/XXXX before XXXX it came back as verified. I called on XX/XX/XXXX to understand 1. how it was verified in less than 12 hours, and 2. Whom they verified the event with. They continue to state that they verified it with XXXX. I have been in contact with XXXX for months and they Did not have a bankruptcy on my file in XX/XX/XXXX or XX/XX/XXXX ; therefore, for Transunion to state that they investigated with the data furnisher XXXX and the data furnisher confirmed it was accurate is a blatant lie. The representative told me that I need to call XXXX XXXX and have them call Transunion or I need to have the court call XXXX. I have already contacted the court and they did not provide this data, and I have already called XXXX and got an updated consumer report and they did not furnish this information either. Why is Transunion allowed to just flat out lie?

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 2021-11-15 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: OH

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I contacted American Express on XX/XX/2021 to inquire about when I could expect the second half of the " Points Plus Promotion '' welcome bonus on the Hilton American Express card to be credited to my Hilton account. I was told that Amex had no record of the second allotment of XXXX point being due on my account and was asked to upload documents to prove the terms that had been in effect when I applied for this card back on XX/XX/2021. Rather inconvenient having to dig up details for a card I had applied for 5 month before, but I found and uploaded the screenshots of the offer page. I asked for a case number and was told there wasn't one since this is a " internal case. '' After hearing nothing, further I checked in again on XX/XX/XXXX to verify at least that the case was still in progress and was told that it was still be reviewed. After hearing nothing further, I checked in again on XX/XX/XXXX and was told that the case had been closed because I hadn't provided the screenshot evidence ( I had not been notified that the case had been closed ). I advised that I did submit the requested evidence back on XX/XX/XXXX and was told that it wasn't received and that I should re-submit it, which I did. I then checked in again on XX/XX/XXXX to confirm that my uploaded evidence had been received, I was told that it had been received and linked to the case. I checked in again on XX/XX/XXXX to verify that the case was still at least in-process and was told that the offer I was asking about was not linked to my card ( going around in circles now ) I was then asked for the case number ( which was never provided to me even though I asked for it ). In addition I was disconnected 4 times during over an hour long chat session just trying to get the status and case number. Finally I was told that I should call in for better results. This seems to be going absolutely nowhere and I have wasted hours of my time chasing what should have been credited to my account automatically when I fulfilled the spending threshold within the timeframe specified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : XXXX XXXX XXXX Account Number : XXXX KOHLS/CAPONE Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My identity was stolen me and my family will be facing homelessness due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter.. 

BANK OF AMERICA Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$450.00} written off. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$760.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Collection account. {$180.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2400.00} Status Collection account. {$2400.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$180.00} written off.

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 2021-11-15 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: DISCOVER BANK
State: MS

Complaint narrative:
I was charged {$380.00} online ( XXXX ), for a purchase I did not make or authorize on XX/XX/2021. I did not discover this charge until XX/XX/2021 when I tried to log into my XXXX account that was suspended without notice or good cause. The charge looks like it was made the day ( XXXX XXXXXXXX XXXX  ), that my XXXX account was involuntarily suspended. I notified discover card of the fraudulent charge on XX/XX/2021 and XX/XX/2021. I contacted Discover Card this morning ( XX/XX/2021 ), and they said that the matter had been resolved and that the charge " was '' valid, but it is " not '' valid, nor ha sit been resolved, as I did " NOT '' make or authorize a {$380.00} charge on my Discover Card on XX/XX/2021. Discover Card needs to investigate and credit my account for the amount in question, {$380.00} plus interest from XX/XX/XXXX, XXXX present. Discover Card Fraud Department needs to investigate, and send me a new card with a different account number. It looks like someone with the screen name ( email ), " XXXX  '' is the fraudster, according to the XXXX contact page ( see screenshots ). I don't know anyone in Florida or anyone with the name of " XXXX XXXX'. I Live in Mississippi ......

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: MoneyLion Inc.
State: AZ

Complaint narrative:
I contacted Moneylion via certified letter, rec 'd XX/XX/2021 and followed up with an email to XXXX XXXX, XXXX XXXX, on XX/XX/2021 requesting copies of applications and other business records relating to accounts that resulted from the theft of my identity. I have NOT received said information nor a response to either communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
credit card FRSTHRZNBK XXXX XX/XX/2015 {$4900.00} credit card FRSTHRZNBK XXXX XX/XX/2015 {$4900.00}

Company response to consumer: Closed with explanation