vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flat Branch Mortgage, Inc.
State: MO

Complaint narrative:
XX/XX/XXXX - We received a communication from our insurance company that our escrow account had failed to make the insurance payment on time. We called the escrow servicers to submit and online payment. 

XX/XX/XXXX - Online payment was sent by the escrow account to the insurance company for {$1300.00} XX/XX/XXXX - The original physical check for {$1300.00}, that the escrow company had sent was found in the mail and was cashed by the insurance company. 

XX/XX/XXXX The physical check for {$1300.00} was returned to us as an over payment. 

XX/XX/XXXX The escrow company submitted a stop payment for the online payment of {$1300.00}. 

XX/XX/XXXX - We decided to switch insurance companies, and discovered this issue that happened back in XXXX of XXXX when we received a bill for {$940.00} from XXXX XXXX our former insurance company. 

XX/XX/XXXX - We notified our mortgage company of the bill so they could pay the insurance company out of escrow like they were supposed to have done back in XXXX of XXXX. 

XXXX XXXX XXXX, XXXX - After talking with XXXX numerous times about this issue, we were informed of the stop payment being issued by the Mortgage company on XX/XX/XXXX, and that we owed the {$940.00} for the coverage from then till XX/XX/XXXX when we switched the policy. Our escrow company refused that this was the case even after being shown numerous documents from XXXX insurance that this was the case, They also refused to pay for the insurance bill. 

XX/XX/XXXX - We were forced to pay for the insurance out of our pocket, and upon reviewing the 1098 Tax form from XXXX XXXX XXXX XXXX we discovered that they falsified the document to say that the home insurance was paid out of escrow. We have documents from XXXX XXXX to show that this is untrue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: LEXISNEXIS
State: MO

Complaint narrative:
I just received a letter from XXXX confirming XXXX XXXX XXXX XXXX was accurate.I went to the XXXX XXXX XXXX XXXXXXXX today they denied having a investigation with XXXX.So ask for a letter he said he had none he could give me so Im filing a complaint I got copies of the XXXX report as evidence will send in attachment, and can you please make sure all three bureau show a deletion of all information please thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I just received a letter from XXXX confirming XXXX XXXX XXXX XXXX was accurate.I went to the XXXX XXXX XXXX XXXX today they denied having a investigation with XXXX.So ask for a letter he said he had none he could give me so Im filing a complaint I got copies of the XXXX  report as evidence will send in attachment, and can you please make sure all three bureau show a deletion of all information please thanks

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 2023-02-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I've had a checking and savings at Wells Fargo for over 22 years. I've never bounced a check or gone overdraft that I can remember. XXXX yo I'm XXXX I have no driver 's license and I XXXX miles from the nearest wells fargo. I do a lot of my shopping on line for those reasons. Probably 80 percent of my shopping is on line. Recently I got laidboff my supplemental job and realized I wouldn't be able to make my loan payment that is set up to be deducted from my savings on auto withdraw. So I called Wells Fargo and explained my situation. I ask wells fargo to stop the payment till i could figure things out.The very next day I went to my one banking sight to check my account and I'm suddenly {$1100.00} over drawn in my savings. So I called Wells Fargo and ask them how this is possible. They explained to me that Los prevention put a strong hold on my account and my XXXX XXXX XXXX got returned. I thought that was odd cause that check had come in three days prior to this situation in fact I had already withdrawn the money and paid bills with it. They transfered me to loss prevention. The guy working in loss prevention said I do to much online shopping with high risk websites and that they were going to close my accounts. Sense then they have denied several disputed transactions and they have went back and changed some of them that were already approved to denial I am now {$1600.00} over drawn. I've had to pay friends several XXXX dollars to give me rides to XXXX so I could open newvaccounts and change my profile at social security. My car is getting repossessed cause this set me back so far I couldn't make the payment. I'm being charged extra rent for being late. I feel that wells fargo singled me out cause they found out I lost my job. To me that is discrimination.

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 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-02-04 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: AR

Complaint narrative:
This is XXXX XXXX and I am submitting this CFPB Complaint to request that the disputedf accounts and information be immediately removed from my Credit File. My credit report contains a significant number of unauthorized requests, as well as fraudulent reporting of accounts and Information. I can tell that someone has stolen my identity. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of accounts and information that resulted due to my identity being stolen ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXXXXXX XXXX  XXXX XXXX Opened XXXX XXXX, XXXX Balance {$15000.00} XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$850.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$11000.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$200.00}. In accordance with the Fair Credit Reporting Act section 605b, I am requesting that you remove the disputed accounts and information off of my Credit File.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
I was granted a forebearance due to being affected by COVID ( loss of income and loss of a family member ). When the forebearance ended, my XXXX appeal was still pending from initially being denied and I was in an active bankruptcy. I asked my mortgage company for any type of assitance or a modification. I was sent paperwork to do a partial claim and a modification, but the monthly payments would increase HIGHER than what they were, the interest rate would increase, and they wanted me to START over with a 30 year mortgage. I spoke to my bankruptcy attorney and he advised me NOT to agrre to those terms, as my home is in need or major repairs! He told me to " View my home as if it was my 1st time buying it, and determine if it was worth the {$200000.00} + that the mortgage company was modifying the loan for ( which was HIGHER than my initial purchase in XX/XX/XXXX ). '' I did not agree to the 1st solution Mr Cooper offered and they said they understaood and would revise the payment and send me some new documents. After a few months, I got another modification and partial claim. STILL with the SAME terms as before! However, I had also applied for mortgage assistance with Mortgage Assistance of Alabama ( where they stated they would pay up to {$50000.00} ) of my loan. I asked Mr Cooper if they could put the extra $ XXXX on the back end of my mortgage, so I could qualify for the guaranteed grant of {$50000.00} and I was told no. As a result, Mortgage Assistance of Alabama denied my assistance because they said I could not be behind over {$50000.00} and Mr Cooper reported to them that I was behind over {$78000.00} ( although my statement showed {$60000.00} ). The time frame of each company overlapped, and I had to reapply for another modication. Mr Cooper just sent me the loan modification papers XX/XX/XXXX and stated I need to contact them by XX/XX/XXXX or foreclosure proceedings will start, and my 1st trial payment is due by XX/XX/XXXX. The monthly payment is a little higher ( from {$1300.00} to {$1500.00} ), but they are STILL forcing me to change my loan from 21 years back to 30 years, and from 4.25 % to 6.625 % interest rate. They have added THEIR attorney fees and several inspection fees to my mortgage that I was unaware of. This seems like PREDATORY lending and/or price gauging, and is not assistance for Pandemic Relief after 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 2023-02-03 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I believe I may be a victim of identity theft. This information is unauthorized and I did not approve it to reflect on my credit reports.To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2023-02-03 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am writing this personal statement on my behalf. I've recently uncovered fraudulent information on my credit reports. My personal information was used to open accounts and gain financial goods and services without my consent. I request that the information in this report and attached to my statement be removed immediately. The accounts are listed as follows : Accounts requesting to be removed ASAP : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03 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:
After reviewing my credit report I noticed NUMEROUS of INQUIRIES that I did NOT authorize. I was victimized by identity theft. Below is the fraudulent accounts that do not belong to me and I am requesting that these inquires be IMMEDIATLY & PERMANTELY removed -- -- XXXX XXXXXXXX XXXX InquireXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX  Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/20XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/202XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/2022 XXXX XXXX XXXXXXXX Inquired on XX/XX/2022 *XXXX XXXX XXXXXXXX Inquired on XX/XX/2022 XXXX XXXX NA Inquired on XX/XX/2022 XXXXXXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXXXXXX XXXX  Inquired on XX/XX/2022 XXXX XXXXXXXX XXXX Inquired on XX/XX/2022 XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/2022 XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXXXXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/2022 XXXXXXXX XXXX  Inquired on XX/XX/2022 XXXX XXXX BANK NA Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/202XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/20XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX CARD Inquired on XX/XX/2022 XXXXXXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XXXX XXXX XXXX XXXXXXXX XXXX DC Inquired on XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022 XXXXXXXX XXXX Inquired on XX/XX/2022 XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX  The above inquiries was NOT authorized ... These are not mine. I am a victim of ID Theft and I have included a FTC report. Please investigate and remove from 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 2023-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Columbia Debt Recovery LLC DBA Genesis put a collection debt on my credit report before providing proof of debt XX/XX/XXXX. I finally got proof of debt letter dated XXXX. XXXX, XXXX and they provided the final move out statement for money owed in the amount of {$5100.00} belonging to only XXXX XXXX and XXXX XXXX. I was removed from the lease in XX/XX/XXXX due to going to college at XXXX XXXX XXXX XXXX. The final move out statement shows the lease ending XX/XX/XXXX. The debt collector has failed to provide the lease renewal with new dates and rent increase because they know I am not on it. I emailed the apartment management company on XX/XX/XXXX to correct the error and their response was vague. There is no history of the apartment management company reporting late payments from XXXX on my credit reports because I was removed from lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I send money through zelle to an impersonator. Someone hacked my relative XXXX account ( Her account is XXXX XXXX XXXX and i already reported to XXXX ) and directed me to send them money to the email XXXX. 

I talked to the bank ( XXXX ) and there's nothing they can do to recover the money. 

This scammer has already scammed a lot of relatives and is still using the XXXX account and email account to scam people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My only business account was closed by Bank Of America. Didnt say reason However, mentioned if balance after closing. they will send it to me I received BUSINESS CASHIER 'S CHECK pay to XXXX XXXX XXXX. 

My business & account were closed. 

I called support and w as s advised to go to bank and cash out. 

i went to 2 financial center. both refused an
d said they dont cash any cashiers check even if it comes from Bofa XXXX 

I got verified on their system via ID, DOCUMENTS and Short Codes sms. 

They REFUSED to cash their own bank issued cashier check.. furthermore, told me deposit it into my personal checking account.

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 2023-02-03 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: NY

Complaint narrative:
The company, Experian has sent back a response for a credit collection where both the amount of the collection and the company are not what is owed to the collector. The company, Experian stated in a previously closed complaint that there was not specific enough of detailed information sent to them for the complaint to be processed. However, the specifications of the complaint are not missing any details. The collector is reporting through Experian an attempt to collect an excess of {$3500.00} in cash for an apartment which was not occupied after a 10 day notice was given by the landlord for complaints made by other tenants regarding a dog. The apartment was immediately vacated and there were some belongings which were later removed by the end of the month. The month which this occurred in was XXXX of 2021 The dog and the occupant, the person who the complaint is now being submitted by and for is not the person who resided in the apartment after the notice was given by the landlord regarding complaints about a dog. There was no option to stay in the unit because of the nature of the complaints and harassment by the maintenance woman residing inside the same building as the tenant household and dog. The apartment could no longer be safely occupied. The leasing company, XXXX XXXX still sent the collection to Experian regardless the apartment had been vacated. The amount exceeds any rental time of occupancy in the unit. There was also no clean running water in the unit past the month in question, XXXX of 2021. There were also several complaints regarding the police and the maintenance woman who blocked the sidewalk for the walkway to be used for entering or exiting the building. The management has since changed at the property in question. The collection is listed as XXXX XXXX XXXX XXXXXXXX and through a collection company the amount from XX/XX/2021.

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 2023-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Some people posing as " Pay Pal '' have been emailing and calling me stating that I owe {$500.00} for XXXX XXXX. I haven't used my PayPal in over a year and I have never used XXXX XXXX. This is a total and complete scam. I do have the emails and one voice mail. This is fraud and harassment. 

Their number is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am writing this personal statement on my behalf. I've recently uncovered fraudulent information on my credit reports. My personal information was used to open accounts and gain financial goods and services without my consent. I request that the information in this report and attached to my statement be removed immediately. The accounts are listed as follows : Accounts requesting to be removed ASAP : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES TO BE REMOVED XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation