vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
To whom it may concern, My mortgage company is Dovenmuehle. I have been trying to work with the loss mitigation department since last XXXX or XXXX so that my payments could be adjusted to avoid foreclosure. I was first on the forbearance program since XX/XX/2020 because my husband lost his job due to Covid. Around last XXXX or XXXX I got a foreclosure letter to my surprise because I thought I was still on the forbearance program. I was explained the forbearance was over and that I needed to work with loss mitigation so that they could put me in a program or adjust my payments. I was also given some type of consumer assistance phone number for assistance. I called that number and either they don't pick up or when they do they say they're going to email me a package and they don't. I always check both my inbox and junk mail every day. 

Not once was it explained to me that while I was working with loss mitigation that I needed to resume payment. I was under the impression that loss mitigation would put me in some type of program and from there I would make payments. Had I known they wanted some type of payment we would have tried to work something out. I have also requested assistance on their loansolutioncenter website. I have been trying to reach loss mitigation the past few weeks. I stay on hold for an hour until I finally leave a message. The voicemail says I will get a call back in 24-48 hours. I never ever got a call back. Today, I call and am very surprised, shocked, scared, and angry that my home is now in foreclosure when I have been trying to work with loss mitigation and no one is getting back to me!!!! I CAN NOT lose my home! PLEASE!!! I'M BEGGING! This is my children 's home. Please please please work with us. We will do anything! 

You guys can email, call, come over, anything. Please respond to me and work with me. I can not lose this house. We have nowhere else to go. We love our home. Our small children love our home. Please tell me what else you need.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: PA

Complaint narrative:
My name is XXXX XXXX and I'm submitting this complaint without any influence from any third party or agency. 
Please see attached documents and ID as it contains my full complaint and request.

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 2022-03-24 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: CA

Complaint narrative:
There are XXXX new inquiries that were previously removed and have appeared again. This first happened XX/XX/2022. I reported it and froze all 3 credit bureaus and Transunion removed them XX/XX/2022. They have appeared on my credit report again XX/XX/2022. How can I put a stop to this? Do I have to do something else in addition to freezing my 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 2022-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/2022 I deposited a check drawn from Citizens Bank in the amount of XXXX ( from the proceeds of a real estate sale ) an XXXX account. to my checking account in Citizens Bank. The Bank put a hold on the funds for 2 business days and counting. I contacted the bank to ask them to release the funds to no avail. When I deposited the check I was informed by the teller that the funds will be available the next business day. I called yesterday after waiting on hold for 30 minutes I was promised that the funds will be available today. the hold is still there as of this writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have tried to withdraw my money from Truist bank but they refuse to let me due to them saying my account is under a review for a extended period of time. They won't provide me with any information to why my account is under review and blocked.

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 2022-03-24 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: TX

Complaint narrative:
I have reached out to all three credit bureaus XXXX, Equifax, XXXX. I reached out to them regarding the charge off debts they were reporting i started this process XXXX XXXX. Within 30 days XXXX will send back the debt is verified and updated. I never received a response from XXXX nor Equifax. I have requested 3x for all of them to tell me how the debt was verified. I never received the information back. Which i have asked them to remove the incorrect information they are reporting because of my FCRA rights. Still no change in my report. This is hindering my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reached out to all XXXX  credit bureaus XXXX, XXXX, Experian. I reached out to them regarding the charge off debts they were reporting i started this process XXXX XXXX. Within 30 days Experian will send back the debt is verified and updated. I never received a response from XXXX nor XXXX. I have requested XXXX for all of them to tell me how the debt was verified. I never received the information back. Which i have asked them to remove the incorrect information they are reporting because of my FCRA rights. Still no change in my report. This is hindering my character.

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 2022-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My compliant is regarding American Express and XXXX XXXX. I received an email invite on XX/XX/XXXX for a American XXXX XXXX Credit Card. I have been receiving this offer for sometime as my family flies XXXX a lot. It offered 12 months introductory period at 0 % APR on purchases and so I applied after some delays i was approved on XX/XX/XXXX. The account was opened XX/XX/XXXX. ( I still possess all the invitation email stating clearly 0 % APR for 12 months and it is attached ). I got the card in the mail and the was no interest on my statement for XXXX the first month, so i thought everything was fine, i notice late XXXX that America Express had charged me interest for XXXX and XX/XX/XXXX, so i called the customer service immediately and i was told they would look into immediately and have everything fixed. American Express and XXXX have not looked into it as i was still charged interest in XXXX of XXXX. This is wrong and I would like American Express and XXXX XXXX to Honor the terms of the Card i applied and approved for, 0 % APR on Purchases for 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: NC

Complaint narrative:
i keep telling eqifax to remove fraudulent accounts from my credit report. ive sent them multiple ftc id theft reports/police reports etc and they keep giving me different answers. today i sent them another ftc id theft report/police report, copy of driver 's license and social security card copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC
State: AR

Complaint narrative:
I have made most of my payments on time. I asked to be refinanced to get lower payment and was denied. I'm paying {$770.00} a month for a 2015 car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/XXXX. Chase fraud prevent contacted me by text message indicating a suspicious charge to XXXX XXXX in the amount of {$870.00} and asked if I made the charge. I replied that I did not. This indicated that they would not charge me and that they would cancel the card and send me a new one. They did cancel the card and send me a new one, but the charge still appeared on my next ( XXXX ) statement. I called customer service and they said they would remove the charge. It was credited on the XXXX statement. XX/XX/XXXX I got a letter from the fraud department indicating that my claim was denied because I had " received benefit from this transaction ''. I called the fraud line again to dispute it and they said they would reopen the case. They also indicated that XXXX XXXX had provided evidence that someone had provided sufficient information to validate the charge. I don't have their exact working on that. They did reopen the case, but a few weeks later ( XX/XX/XXXX ) I received another letter that the fraud case was denied for the same reason and that I would be charged the {$870.00}. 

Here is the complete text message exchange from XX/XX/XXXX. 

Chase XXXX  : We declined {$870.00} with card ending XXXX at XXXX XXXX XXXX XXXX. Was this you? Reply YES or NO. If yes, you will not be charged unless you try again. If no, we will close your card and send you a new one. Msg & data rates may apply. 

Reply : No Response : Thank you. We will close your card and send you a new one. If you recognize all other charges, you don't need to do anything else. If you see other charges that aren't yours, please call us using the number on the back of your card from XXXX to XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am attempting to pay an escrow shortfall in full. The primary Truist contact number ( XXXX ) XXXX tells me they can't take my payment but the former Suntrust mortgage customer service has to process that directly - XXXX. This toll free number is a dead end, I've called everyday for 7 days, I sit on hold for hours, no one has ever answered my call. I was told I can't make this payment in person either at a branch. My next payment is due on XXXX and I am working to avoid a large jump in monthly by paying this amount : {$1300.00}. 

Loan XXXX Address : XXXX XXXX XXXX XXXX NC XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: GA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
XX/XX/XXXX Dear Sir or Madam, Nationstar Mortgage LLC d/b/a Mr. Cooper, first presented me with a tax claim on XX/XX/XXXX based on " Parcel No. XXXX '' -- see attached " XXXXMortgage-Note ''. I have not seen nor received any notification from XXXX XXXX for any additional charges. I requested Mr. Cooper to provide an original copy of the stated charges from the relevant XXXX department but got no response. My follow-up inquiries at XXXX XXXX XXXX not show any such charge. 

The same " Parcel No. '' is repeated with a new claim with higher charges -- apparently with interest added ; see " Mr_cooper_Repeat_Claim ''. 

Have contacted XXXX Department of Financial Services but that department does not have the full regulatory authority for this case. To this day we have not received a response from Mr. Cooper. 

I seek 1 ) proof ( original copy from relevant XXXX department ) from Mr. Cooper of the claim, 2 ) if the claim is false, then dismissal of all " Parcel No. '' charges. 

Thanks. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I repeated get check holds on my personal and business checking accounts, almost every deposit that I make ends up getting a 7 day hold. Even a Chase to Chase check received a 3 day hold. It is ridiculous. I call to get it released and in most cases they remove the hold, but in some they wont even give me access to some of the money. Then when my account becomes over drafted, because of the holds, they then charge me a {$35.00} overdraft fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: NY

Complaint narrative:
I was a victim of identity theft these companies reported inquiries on my credit report that are not mine. Ive contacted them multiple times to have them removed and they didnt. This is a violation. This is a violation of 605b of the FCRA and it must be deleted within 4 business days because I am a victim of identity theft BY LAW. Here is my identity theft report along with the accounts that need to be removed asap. DELETE THIS NOW. 

XXXX reporting : XXXX XXXX, XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX TransUnion Reporting : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX & XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX T XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2022-03-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I was a victim of identity theft these companies reported inquiries on my credit report that are not mine. Ive contacted them multiple times to have them removed and they didnt. This is a violation. This is a violation of 605b of the FCRA and it must be deleted within 4 business days because I am a victim of identity theft BY LAW. Here is my identity theft report along with the accounts that need to be removed asap. DELETE THIS NOW. 

Equifax reporting : XXXX XXXX, XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Reporting : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX & XXXX BANK XXXX XX/XX/XXXX XXXX MOTORS XX/XX/XXXX XXXX T XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2022-03-24 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
The state of New Jersey issued me a card from Bank of America for my temporary XXXX payments. The local branch has a known broken cash advance system and refuses to do anything about it. My bank branches often cant get through to the cash advance system to access my money. I can not pay my mortgage with a bank card or my other bills for that matter. If Bank of America cant support the nj XXXX payments they should t be handling it. Peoples live or severely and negatively impacted by their lack of care and lack of ability to support their own system. Bank of America on XXXX XXXX in XXXX New Jersey should be shut down!

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