vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-04 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: Early Warning Services, LLC
State: CA

Complaint narrative:
I have an account with XXXXXXXX XXXX, the place a hold on my account stating XXXX  has placed a hold and they are closing my account and they dont have a time frame for that unless XXXX  removes the hold. I spoke with XXXX  they said they reported my Banking Credit Report and have nothing to do with my account and my money into it. There customer support says otherwise and they didnt transfer my call to their supervisor and kept me on hold for one hour and then disconnected. There customer care/ security department doesnt have appropriate knowledge and they dont listen to the customer. 
I am on disability and not able to move around all my monthly instalments and rent payments are bouncing because of the hold without giving any reason. 
I have already applied for getting my XXXX  banking credit report which they say 15 days to process and another 30 days to settle the dispute and the bank says unless this is not resolved they wont give me money back. 

Please help me resolve this matter ASAP. 
My account number is XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Since XX/XX/2021 I've sent multiple letters concerning the incorrect personal information that is reporting on my credit report. I have sent copies of my my drivers license and proof of address. I get no response from credit bureau and no change to 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 explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bliksum, LLC
State: CA

Complaint narrative:
On or about XX/XX/XXXX, I was issued a loan from Loan Me XXXX. I obtained this loan by phone. I don't recall receiving written contact for the promissory note. The call was advised it was 36 % percent. They verbally represented the facts by phone. After making more than 60 % of the principal amount I borrowed, I was no longer able to pay the large amounts of interest/payment. I did modified once for having payment arrangements due to payments to high of interest. Shortly after I wasn't able to pay off. 

Shortly later, I received a letter from XXXX XXXX XXXX, XXXX. dated XX/XX/XXXX stating that I owed {$3700.00}. This letter was sent by the law firm XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 

XX/XX/XXXX I was served with XXXX XXXX XXXX lawsuit by XXXX XXXX XXXX  claiming I owed {$3000.00} plus {$710.00} post charge off interest. {$3000.00}. plus interest from the date of the charge off debt, which was XX/XX/XXXX until of judgement. 

When I received the initial letter I thought it was a scam. When I was served, the copy of orginal promosinary note, which shows a interest rate that I was not aware of which is 137.65 % interest, APR. I was stunned, {$16000.00} of a claim. 


XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
Well Fargo refused to remove PMI from my mortage even though I only owed 10 % of the principal. They said this was due to me missing a payment but I haven't missed a payment, I used their offer to defer a payment due to COVID hardships. They considered this a missed payment and refused to remove PMI. This prompted me to go ahead and pay the final principal amount. Once the mortage was shown to be paid in full Well Fargo charged me a double PMI payment of {$250.00}. How can we hold these fraudsters accountable?

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 2022-02-04 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: AZ

Complaint narrative:
XXXX XXXX  is reporting that my XX/XX/XXXX payment was over 30 days late on my credit bureau report. My monthly payment is due on the XXXX of each month. I made an electronic payment via the phone on XX/XX/XXXX. According to XXXX XXXX  the payment was reversed due to insufficient funds ( See attached screenshot from XXXX online screen ). I had more than enough funds in my checking to cover the payment which is reflected in the bank statement page I've included. I've confirmed with XXXX XXXX that the funds were there and they show no payments being returned on their end. XXXX XXXX  made no attempt to contact me to let me know there was an issue with the payment that I processed via phone. I was not made aware that the payment was late until I was working on refinancing my home and it came up on my credit report. I have made several attempts to have XXXX reverse the issue on my credit report and they have declined to admit any errors on their end and as such will not reverse the negative reporting on my credit report. This is the only late payment on my credit report, I have excellent payment history. In addition to this XXXX XXXX  does not allow you to sign up for automatic payments via their website. They have a process in which you must fax in a form to authorize the payments. I have on 4 separate occasions requested the form and faxed it to XXXX never to have had them process the request. The requests were made on or about the following dates- XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2022-02-04 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX Bank is reporting that my XX/XX/XXXX payment was over 30 days late on my credit bureau report. My monthly payment is due on the XXXX of each month. I made an electronic payment via the phone on XX/XX/XXXX. According to XXXX Bank the payment was reversed due to insufficient funds ( See attached screenshot from XXXX online screen ). I had more than enough funds in my checking to cover the payment which is reflected in the bank statement page I've included. I've confirmed with XXXX XXXX that the funds were there and they show no payments being returned on their end. XXXX Bank made no attempt to contact me to let me know there was an issue with the payment that I processed via phone. I was not made aware that the payment was late until I was working on refinancing my home and it came up on my credit report. I have made several attempts to have XXXX reverse the issue on my credit report and they have declined to admit any errors on their end and as such will not reverse the negative reporting on my credit report. This is the only late payment on my credit report, I have excellent payment history. In addition to this XXXX Bank does not allow you to sign up for automatic payments via their website. They have a process in which you must fax in a form to authorize the payments. I have on 4 separate occasions requested the form and faxed it to XXXX never to have had them process the request. The requests were made on or about the following dates- XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 explanation
Consumer complaint received 2022-02-04 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: CT

Complaint narrative:
XXXX XXXX XXXX ACCOUNT # XXXX is reporting as a delinquent student loan account across all 3 bureaus experian, XXXX and XXXX. The account is closed and currently up to date with all payments however, these bureaus have a past due 90 day late payment for XX/XX/2019 for 90 days however student loan payments are deferred and are in forbearance. Due to this late payment that is inaccurately reporting and non-factual it is harming me for going for a mortgage loan as this is severely hurting my credit. According to the FCRA inaccurate information especially a late payment on a student loan account that is deferred by the government, up to date whereas there has been no payments made late I need this fixed on my credit report. Please see attached documentation at the bottom of this email. Not only this there is an address on my experian account that doesn't belong to me and is incorrect which is another reason why I believe the loan is marked this way. It shows an address at XXXX XXXX XXXX in XXXX XXXX, CT XXXX however I live at XXXX XXXX XXXX. I will attach my driver license for proof of this.

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 2022-02-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: CA

Complaint narrative:
To whom it may concern, My name is XXXX XXXX, and I have been trying to resolve the very long issue we are experiencing with you. 
We refinanced the mortgage and Heloc on our property back in XXXX of 2021, and the title company had issued a check back in XXXX with the requested payoff amount, then we called and we found out that, for some odd reason, the check was not cashed, so they requested a stop payment on check and a new check was mailed out and signed by your company, Reference number is : This was sent again on XXXX via XX/XX/XXXX and signed for by them on XXXX at XXXXXX/XX/XXXX XXXX is XXXX Since then the title company, and us keep calling you to check why the checked was picked up by you in XXXX Ohio and signed by XXXX XXXX, but yet the payoff check was never cashed and it is now 3 months after mailing 2 checks, calling many times, holding on phones for long time and nothing. 
Before I am filing a claim against you, please be sure to erase that from our credit score which severely damaged our score, for no reason. The representative from your company today advised us to send the email to that address. 
We expect your company to cash the check, find out who signed and picked up the payment from the title company and get back to us, before this will result in a lawsuit against your company and a remedy. 
No other rep was telling me about this email before, only todays ' representative. 
I also started a dispute on Experian.com. 
Meantime, I cant apply to any credit or a loan, because you damaged our credit score and our reputation. 
While I am writing you this message via email, both me and my title company are on hold for over 35 minutes waiting for a resolution. 
Please advise, XXXX and XXXX XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/XXXX, I complained to Chase that I used my debit card to purchase a " XXXX XXXX XXXX that I saw in an XXXX  advertisement. I explained to Chase that the money left my Chase Checking account on XX/XX/XXXX, but that I never received the product. Chase advertises that they protect their customers from vendors who do not fulfill the vendor 's end of the promise. Chase in a letter to me dated XX/XX/XXXX indicated that Chase would not reimburse my account even though I received no benefit for the money sent to the vendor " XXXX, XXXX XXXX XXXX XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I checked my account yesterday and it was active and online. Today, we closed on the sale of several properties. Wires were scheduled to go into the account. I checked the account just now for the wire transfers and instead, CHASE CLOSED my account automatically last night - WITHOUT any notice! I called and spent close to FOUR hours on the phone ; mostly on hold, then passed around, then more hold. Finally, after escalating the call, I was told the computer automatically closed my account due to inactivity and they could not re-open it. They stated it was impossible. I asked to speak to a supervisor and was told he does NOT take calls! He can schedule a call back but they can not schedule a call... .he will just call any time at his convenience. I was told I could drive to a branch with no guarantees. I wanted the supervisor to call the branch to see if the account can be correct6ed BBEFORE I take the afternoon off of work!!! And drive over an hour to my branch ( in the midst of COVID ). Anything done inside a branch should be able to be done without contact!!! The supervisor should be willing to call the branch and request them to re-open the account. I used tow phones all day to get help and ZERO. One phone still has close to 2 HOURS of wait time and STILL on HOLD. Wires are NOW being sent to WHERE... they are already in transit!!!! I want this account re-opened immediately. I have been a customer for over 30 years ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I Have Already addressed Best Buy about the late fees that have been applied to the card. 

I experienced a time when I called just about 2 hours after after the due date time. 
At that time, I was assisting my mother as she was ill, there was no internet service where I located thus not allowing me to perform

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-04 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: IL

Complaint narrative:
MY NAME IS XXXX XXXX & I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE THE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT & 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 2022-02-04 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: IL

Complaint narrative:
MY NAME IS XXXX XXXX & I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE THE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT & REQUEST.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: CT

Complaint narrative:
DEPT OF EDUCATIONXXXX XXXX  # XXXX is reporting as a delinquent student loan account across all XXXX  bureaus XXXX, XXXX and transunion. The account is closed and currently up to date with all payments however, these bureaus have a past due 90 day late payment for XX/XX/2019 for 90 days however student loan payments are deferred and are in forbearance. Due to this late payment that is inaccurately reporting and non-factual it is harming me for going for a mortgage loan as this is severely hurting my credit. According to the FCRA inaccurate information especially a late payment on a student loan account that is deferred by the government, up to date whereas there has been no payments made late I need this fixed on my credit report. Please see attached documentation at the bottom of this email. Not only this there is an address on my experian account that doesn't belong to me and is incorrect which is another reason why I believe the loan is marked this way. It shows an address at XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX however I live at XXXX XXXX XXXX. I will attach my driver license for proof of this.

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 2022-02-04 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: CT

Complaint narrative:
DEPT OF EDUCATION/XXXX XXXX  # XXXX is reporting as a delinquent student loan account across all XXXX  bureaus XXXX, equifax and XXXX. The account is closed and currently up to date with all payments however, these bureaus have a past due 90 day late payment for XX/XX/2019 for 90 days however student loan payments are deferred and are in forbearance. Due to this late payment that is inaccurately reporting and non-factual it is harming me for going for a mortgage loan as this is severely hurting my credit. According to the FCRA inaccurate information especially a late payment on a student loan account that is deferred by the government, up to date whereas there has been no payments made late I need this fixed on my credit report. Please see attached documentation at the bottom of this email. Not only this there is an address on my experian account that doesn't belong to me and is incorrect which is another reason why I believe the loan is marked this way. It shows an address at XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX however I live at XXXX XXXX XXXX. I will attach my driver license for proof of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mortgage Research Center, LLC
State: OH

Complaint narrative:
On XX/XX/2021, my wife lost her job and we were unable to locate further employment for her. After struggling with payments we reached out to XXXX XXXX XXXXXXXX, XXXX XXXX, to apply for a Deed in Lieu for our house. On XX/XX/2021, we submitted the application that was emailed to me for the Deed in Lieu and I was told that someone would contact me within 30 days to begin the process. After 30 days I contacted the company and was told it had still not been assigned to a representative, and that they were escalating the issue. The escalation could take up to 5 business days, after 5 business days I contacted the company and it still was not assigned. At this point we were more than 30 days late on payments and were struggling because we needed to apply for an apartment and our credit score was affected by the late payment. At this point we had vacated the property and I called continuously to get this issue resolved. After the escalation they started telling me it could take 90 days and no one was able to give me information. I requested information from supervisors and was ignored. I worry that soon that company will foreclose on us which is something XXXX XXXX has done to people in the past.

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 2022-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
Hello, You have been quite helpful in getting PHH Mortgage to take action but unfortunately the issue of getting my escrow payments made has not been resolved. 

This will be my 3rd ticket to get assistance. XX/XX/XXXX, I reported that PHH had paid my escrow tax money on the PIN numbers of another unit in my building. ( Taxes due XX/XX/2021 ) They keep reporting to you and me that the issue is resolved but it is NOT. I have submitted tax papers showing the correct numbers and confirmed them verbally yet I received a letter yesterday saying all is well, you are paid up and it continues to show the wrong tax numbers. I can not actually speak to anyone at PHH on the phone and they have not called with an update in 3 weeks now. 

thank you for your continued help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: IL

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 severe XXXX and stopping me from getting this job offer n now im XX/XX/XXXX n cant provide to my XXXXXX/XX/XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation