vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
We were given a 90 day mitigation at the onset of covid 19.After the ninety days ended we were asked if we would like to repay the 3 payments in a lump sum or have them added to the end of our contract.We elected to have the payments added to the end of our mortgage contract.That was almost 2 years ago and we are still shown as behind by 3 payments.Those 3 payments originally totaled XXXX XXXX.After receiving an escrow analysis saying we had a shortage of {$4800.00} ( XX/XX/XXXX ), we paid the shortage.Today XX/XX/XXXX we were told our escrow shortage was originally XXXX XXXX.Our taxes are around {$1700.00} and our insurance around {$3200.00}, so how is our shortage $ XXXXEverytime we call to speak to someone we get conflicting information or we mysteriously get transferred to their survey line.The one time we were able to speak to a supervisor, she said she would have a specialist look at our account and someone would get back to us, that never happened.The person we spoke to can't tell us why there is such a discrepancy in the numbers.There web site is no better it contains outdated and confusing information.It shows recent months with no payments and we haven, t missed any payments other those three that were in mitigation.We need to have some explain in detail whats happening with our mortgage account.We are starting to regret ever establishing a mortgage with this company.They are not very customer oriented.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: DE

Complaint narrative:
I am an independent XXXX. During the beginning of COVID, many of my clients were afraid to come out of their homes to my office. I was severely impacted due to COVID. I am a XXXX. My boss was holding my pay as well as my colleagues pay. My clients were not coming in and My income dropped down to less than XXXX a week. I was borrowing money from everyone to help me pay my mortgage. Select portfolio servicing had forbearance programs and I completed each one. I was still in a financial struggle because I could not find a job paying me enough money. I paid my forbearance up until XX/XX/2021. Select portfolio services said I could apply again but asked for so many documents, in which I gave them, they were giving me a hard time. I have constantly kept in touch with SPS but they refused to help me with a mortgage deferral program. I have lived in my home for XXXX  years and want to keep my home. I am working small hours but am looking for work aggressively> Please help. I started gong through the issues XXXX. But I was in forbearance plans and kept each one not missing any. I was told by my homeowners that a collection law firm has my mortgage. I was not notified by my mortgage company and I don't know what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
As I reviewed my recent report, I have found a lot of erroneous information reporting on my TransUnion Credit Report. I am not sure if you have conducted a thorough investigation for the following items : Late/Open XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$7900.00} Late/Closed XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: FREEDOM FINANCIAL NETWORK
State: FL

Complaint narrative:
I have written this email 3 times asking them to stop emailing. Never did we request information form them. There is no longer an opt out on their email either. My computer blocks all of their links they send in the email. This is the email address all of the emails come from XXXX. 
FreedomFinancialNet XXXX I just want them to stop emailing as I am sure it is a scam and worried they are getting information from my computer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On the date of XX/XX/XXXX I reached out to Goldman Sachs Bank to extend my credit for my apple card and was discriminated then immediately denied. This is a consumer credit transaction and I'm federally protected by law. I believe this financial institution has committed fraud on behalf of my rights to privacy. Pursuant to XXXX XXXX XXXX ( XXXX ) its unlawful for any creditor to discriminate any consumer doing a credit transaction. Under Truth in lending act pursuant to XXXX usc XXXX ( XXXX ) I have open end credit where me extending my credit to goldman sachs should be never ending and no problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have XXXX days to do so if not or over the XXXX days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over XXXX days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
As I reviewed my recent report, I have found a lot of erroneous information reporting on my Equifax Credit Report. I am not sure if you have conducted a thorough investigation for the following items : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: OR

Complaint narrative:
I have XXXX XXXX  XXXX credit cards that were put in the bankruptcy in XX/XX/2017. The credit reporting agency reports these as missed payment even though I was never late on these cards. I have been denied credit due to the credit reporting agencies inaccurate statements on my credit report.

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 2022-02-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
My main checking account is with Chase Bank. The last commission check I received from XXXX XXXX in XXXX ended up locking and eventually closing my Chase account. XXXX XXXX 's bank is XXXX XXXX. 
I deposited my check from XXXX XXXX on the XXXX of XXXX. Chase bank put a hold on the check, as usual. After 10 days, I called Chase to see why the funds were still not available. The response was that XXXX XXXX no longer verifies checks and the phone number for XXXX XXXX, XXXX, in the Chase system does not match the check. End result was that they closed my accounts for suspicious deposit. I have contacted XXXX XXXX to see if the money has been returned to the XXXX XXXX account but has not been done so far. 

Chase bank already cleared the check and Chase Bank has the funds. Chase bank was my bank that I deposited the money in, they received the funds then closed my account. Chase says they have the funds suspended and will not send the funds back to the XXXX XXXX until XXXX XXXX disputes it. XXXX XXXX says they will not dispute it because Chase bank accepted the money Chase XXXX XXXX XXXX XXXX Nevada XXXX XXXX in XXXX Nevada XXXX XXXX in XXXX XXXX  Amount of check {$7100.00} that is being held by Chase bank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I received email notice of a new checking account opened in my name Sunday, XX/XX/XXXX. I called Bank of America immediately and they couldnt help me because the fraudulent account department wasnt open on Sunday. I called again on Monday, to the number supplied ( XXXX ) waited on hold for more than 1 hour, was told they couldnt close the account, transferred to the fraud department, was told they couldnt close the account because I didnt open it, transferred me to another department, and then the call dropped. I havent been able to close the fraudulent account and no one can seem to help.

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 2022-02-14 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: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX without 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 n 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 XXXX XXXXXXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE

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 2022-02-14 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:
Hi I am submitting this XXXX XXXX without 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 XXXX  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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I purchased a vehicle through the dealership vroom on XXXX. XXXX does not have the tittle to this vehicle and i am actively trying to resolve that issue. In the mean time this vehicle has been unregistered and such un driveable for months. I had put XXXX XXXX down and only financed this vehicle to help cover the registration costs. My problem now is with the finance company. Since they have no tittle either. They are not legally a lein holder on this vehicle. The contract is incomplete and they have no right to be charging me payments and interest on something i have yet to receive. The finance company is Santander consumer USA. I have been in contact with them numerous times over the past several months and they have been of zero help in this situation. I have been told there is no time limit on how long they can take to complete the paperwork of the loan. I did inform them that Florida has a 60 day time limit for such scenarios. Theyre only resolution they have given me i was told its completely up to you if you want to make the payments which is extremely unprofessional but also false. I will continue to be charged interest until they take the vehicle and keep my money if I dont make the payments. I have since demanded that Santander puts a pause on my loan and stops charging me payments and interest until this is resolved. Unfortunately they are unwilling to help what so ever. At this point i demand a full refund of all payments and interest i have been charged until this problem is resolved as i feel they have no legal right to charge me anything until we can figure out who the legal owner of this truck is and they can be listed legally on the tittle as the lein holder. I would also like to add that i can email copys of the contracts of this vehicle and the paperwork i have received from the Florida XXXX regarding theyre investigation into this problem as these documents are to big to be uploaded on the initial filing of this complaint on this website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I bough a XXXX bedroom apartment and got a Mortgage from Wells Fargo in 2009 XXXX is tha name of the company My address is XXXX XXXXXXXX XXXX XXXX Case number is XXXX I receive a banks letter saying that I cant leave more than XXXX months out of the city and I cant go visit my sons that I have in Pennsylvania I would like to make a complaint

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 2022-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: VW Credit
State: MN

Complaint narrative:
I have received reputed calls from, XXXX, XXXX XXXX XXXX XXXX They state their file number for this debt is XXXX. On 5 separate occasions they have called and I have requested to receive verification of the debt and what the debt is for. They have called dozens of times, but I have only answered 5 times. They have twice given me an email address ( provided by XXXX XXXX XXXX on XXXX XXXX 2021 ) I am required to email to request this information. I have twice emailed this email address ( XXXX ) and requested the information and have not received a response back. I received another call on Wed XXXX XXXX at XXXX XXXX and asked to be removed from their call list. The agent said he would remove me from the list and I told them any further correspondence via email or postal mail was fine, however I did not want to receive any further calls until they had provided me proof the debt which they still have not done. Today ( XX/XX/XXXX @ XXXX XXXX ) I received another call from XXXX after I have requested them to stop calling. I answered and explained the situation to the agent who did not give his name and he was very defensive about why I was not removed from the list. I told him at this point I have requested proof of the debt multiple times and they have refused to provide it and have not removed me from the list as requested. I told them I will be filing a complaint with your agency.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-14 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: EQUIFAX, INC.
State: NY

Complaint narrative:
1. EQUIFAX is reporting my closed Zero balance Credit Cards and Credit store cards multiple times. I have requested on several occasions to remove the multiple accounts for years and to no avail the accounts are being reported monthly. 
2. EQUIFAX is reporting my Credit Cards as closed with zero balance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: FL

Complaint narrative:
My name is XXXX XXXX i am submitting this complaint without any influence from any party or agency.Please see attachements/ attached documents and ID as it contains my full complaints 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 explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: OH

Complaint narrative:
Plaza Services LLC repeatedly contacts me looking for a person who is not me. I have asked them to stop, and have no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The list of incorrect information was unknown and erroneous. The information were pulled without my knowledge. Please be noted that I have sent out letters prior to this complaint to Experian and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following information 's be corrected and removed accordingly. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Date Updated 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 2022-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
A problem back in XXXX XXXXand continued : Facts : I had a balance for $ XXXX with XXXX interest promotion that was expiring on XX/XX/XXXX. 

I requested another $ XXXX balance transfer promotion on XX/XX/XXXX for 1.99 % interest that expires on XX/XX/XXXX with a balance transfer fee of {$270.00}. 

I paid on XXXX XXXX, and XXXX of XXXX the $ XXXX balance that was expiring on XX/XX/XXXX. 

What happened in XXXX Statement : The bank took my XXXX payment of $ XXXX and applied it against the $ XXXX " just requested balance transfer '', and not against the expired promotion. 

I was charged 19 % annual rate fees monthly from XXXX of XXXX until now. Total interest charges to date are about $ XXXX. 

Called customer services many times with no solution, and was told it is what it is. The bank applied for your money the way it did.

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