vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Gotmortgage.com
State: AZ

Complaint narrative:
XX/XX/XXXX closed on loan promised payment to my account by XX/XX/XXXX, it is now XX/XX/XXXX, they have not funded loan and have not called me back but XXXX cant confirm problem because Lending3 is not returning my or their calls or emails. They also tried to close the loan on XX/XX/XXXX with wrong documents and charging me {$5000.00} more than what I had previously agreed to and signed off on and when asked for right paperwork they threatened they were going to cancel my loan if I didnt sign the wrong stuff which I still refused so they finally got the right paperwork to me. But now I am awaiting the funding and the funds put into my account and they have disappeared and wont return calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
i asked mr cooper if they could correct this problem and they told me they will look into it 4 weeks ago XXXX still havent heres problem Account info Account name NATIONSTAR/MR COOPER Account number XXXX Original creditor - Company sold - Account type Mortgage Date opened XX/XX/XXXX Account status Open Payment status Current, was past due 90 days Status updated XX/XX/XXXX Balance {$90000.00} Balance updated XX/XX/XXXX Original amount {$110000.00} Paid off 21 % Monthly payment {$1400.00} Past due amount - Terms 360 Months Responsibility Individual Your statement - Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX On time 30 days late 60 days late 90 days late Data unavailable Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Comments Account information disputed by consume im still trying my hardest to try and straighten this out can you help out

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: Exeter Finance, LLC.
State: WI

Complaint narrative:
I am initiating another complaint in the reporting errors by Exeter Finance, I have looked at my most recent XXXX credit report and there are still multiple violations that violate the FCRA. Per the last complaint XXXX this account was to be labeled closed as of XX/XX/XXXX with updated information within 45 days. As of my last report on XX/XX/XXXX my XXXX report is showing a 90-day late payment for XX/XX/XXXX and my XXXX report is showing a 90-day late payment for XX/XX/XXXX. This is a closed account and still being reported as late. My XXXX score dropped XXXX points and shows my most recent late payment as being XX/XX/XXXX from Exeter finance. A letter was sent certified mail on XX/XX/XXXX stating that if this account and the multiple reporting errors that are on it is not deleted from the credit bureaus in 30 days that a lawsuit letter which already has been drafted would be sent out. I have yet to receive any kind of response from Exeter. Per the last complaint you admitted to reporting errors and stated they would be fixed which they haven't. I am being taken advantage of and being used as an example by you thinking that you have authority to do and report whatever you feel like no matter if it's wrong or not. I have included screen shots from my most recent report showing your late payment reporting errors as you stated this would be closed as of XX/XX/XXXX. There can not legally be any negative information reporting after that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I received notification that this law firm ( XXXX XXXX XXXX XXXX XXXX XXXX ) somehow obtained a judgement against me ; without my consent ( proof of service ). I reached out to the Superior Court of XXXX in reference to this judgment # ( XXXX, Case Number : ( XXXX  XXXX XXXX, docketed XXXX, I believe this is way past the ( statute of limitations ). Can this law firm be investigated to make sure they aren't illegally attempting to collecting on debts that past the statute of limitation? This debt is over 10 years old. More importantly I don't ever recall receiving proper notice ( proof of service ) for this so-called debt. Also, I have no idea who Midland Funding is. I spoke with an attorney who mentioned perhaps filing a motion to vacate, since there is not proof of service. We want to make sure the law was properly followed in order to obtain this judgement. I know that ( proof of service ) is required with the court. I have also reached out to the court to see if they have my signature on file for proof of service of this ( so called debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: VA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
My account has never been late and due to an error with XXXX XXXX, my Barclay 's account was made to be delinquent in XX/XX/2021 when in fact it never was. XXXX XXXX provided a letter owning their mistake and the credit report still shows the account as being lat. This inaccurate reporting has severely affected my credit profile and scores. I was unable to get my loan because of this terrible marking 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 monetary relief
Consumer complaint received 2021-12-27 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: VA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-12-27 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: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
My account has never been late and due to an error with XXXX XXXX, my FIFTH THIRD BANK account was made to be delinquent when in fact it never was. XXXX XXXX provided a letter owning their mistake and the credit report still shows the account as being lat. This inaccurate reporting has severely affected my credit profile and scores. I was unable to get my loan because of this terrible marking on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX, I activated the Citi Dividend MastercardQ4 2021 5 % bonus restaurant category. Citi did not add the bonus amounts to my account for the restaurant purchases that I had. I called customer service but the rep told me that it wasn't activated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I bought the car in XX/XX/2021 and I did not receive the title of the car. The car was taken for maintenance on XXXX which meant there were issues with this used car. I could not connect XXXX via my phone. I sold the car back to the dealer in XXXX but they asked me to pay for {$11000.00} difference. They took advantage of me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Freedom mortgage keep purposely misapplying escrow payments. I paid {$2900.00} on XX/XX/2021 at the direction of Freedom Mortgage, per email correspondence to ensure my mortgage payments do not increase, post covid forbearance. When they received that payment which I sent to the address with " escrows '' written in the payee and memo of check, Freedom Mortgage applied it to the balance of the loan. When I called to get this payment correct again, the agent hung up on me. I called back again, the next agent tells me they are required to apply it to past due balances, which is opposite of what I was told. This company needs to be investigated for this repeat issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: NJ

Complaint narrative:
i have previously contacted XXXX, Transunion, and XXXX on my behalf through certified mail and requested that all credit inquiries not linked to an active account be deleted from my profile because i do not recognize them and nor did i authorize them. Per consumer law they are not to furnish any information on my credit report without my prior consent, which i did not give.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: NJ

Complaint narrative:
i have previously contacted Equifax, XXXX, and XXXX on my behalf through certified mail and requested that all credit inquiries not linked to an active account be deleted from my profile because i do not recognize them and nor did i authorize them. Per consumer law they are not to furnish any information on my credit report without my prior consent, which i did not give.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
XX/XX/XXXX at XXXX XXXX, I've made a call to Jefferson Capital. In regards to an account that was made between XXXX XXXX from XXXX. With a past due collections, I've spoken to several staff members of Jefferson Capital. And have asked for the following. 

1. ) An account number, XXXX of Jefferson Capital stated that he could not provide one for me. 
2. ) An original contract from Jefferson Capital and myself. With the original signatures. 
3. ) How much the dollar amount that the account was sold to Jefferson capital by XXXX XXXX. 

I've attempted to reach out in good faith, wanting to make good to settle my account. Because of the marks on my credit report, it has damaged my name. And I'm unable to obtain proper housing for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Two unknown accounts have appeared on my credit report. I dont know how they came or who debts they are but they arent mine. I have sent letters to reinvestigate the problem and have yet to receive any response. these unauthorized/unverified accounts are affecting my insurance rates and I need them gone. On XX/XX/2021 I sent 609 letter to Transunion to show them the unverified accounts and asked them to remove them if cant verify. No actions was taken. So XX/XX/2021 I sent i sent another letter, informing them its been 30 days without a response and by law they have to remove or else I will be contacting the CFPB. Still no actions have been taken. Please help me as these are affecting my insurance rates.

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 2021-12-27 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: NV

Complaint narrative:
I have a bankruptcy listed on my report. I have a letter from the courthouse, which they listed they do not share information with anyone, as well as a letter from XXXX XXXX stating they removed my bankruptcy from their report. I submitted the letters to Transuniona and XXXX in which they both stated they verified the information through XXXX XXXX, which is incorrect, because XXXX stated they removed it from there records. However, Transunion and XXXX refuse to remove it. Please assist.

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 2021-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: MI

Complaint narrative:
XX/XX/2020 I was unable to make payments on my insecure debts due to another illegal collections action which set all of this in motion. I hired a third party debt settlement group to handle my collection yet this company did ignore and did not respond to them and started calling my place of employment twice daily and my bosses started getting upset with them and me they were harassing me at my place of employment and continued to rack up late fee charges and interest to my account Now I have a XXXX XXXX court hearing to set aside a default judgement I had no prior knoweledge to being served any court papers of but I did get court papers of a default judgement

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: ND

Complaint narrative:
Closed account without my permission. I dont care what the law or agreement states. Force them to reopen it at once. Or give me lots of chocolate & BEER. hahahahahahahahahahahaha I'm XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
In XXXX, I found that my chase checking account couldn't withdraw or deposit money. After a few day, in XXXX, Chase sent me a letter about to close my checking by their decisions. Based on the letter, the remaining balance XXXX dollars will be stored as a check and mail to my address. 

In mid XXXX, I tried to contact the customer service for the refund. The representative told me the refund need would be sent to my address in a couple weeks. 

After I waited for a couple weeks, I tried to contact the customer service in XXXX, and this time the representative told me if I want to receive the refund, I need to come to a Chase bank branch directly. 

Then, I came to XXXX branch in XXXX XXXX, WA and found a customer manager for assisting. The manager gave me a phone number and told me to call this number by myself. 

I called this number and waited for 3 hours, the representative then told me that their were still doing the investigation and couldn't send the refund back to me. 
I asked the representative when they can send the refund back. She just said they don't know when they can finish the investigation and ask me to wait for a further notification. 

So far, I still did not get my refund back or any notification from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, I would like to share my experience with a Chase Credit Card which I believe is a " Deceptive '' practice defined in XXXX. Chase promotes " Pay off your purchases over time with My Chase Plan '' with emphasis on " no interest '' payment as advertised on their website : " Create, track and calculate plans with no interest, just a fixed monthly fee. ". " My Chase Plan '' is completely misleading for consumers. For example, for a purchase of {$5600.00}, as part of " My Chase Plan '', I was offered 18 monthly installments, {$350.00} each, including a monthly {$40.00} fee. Purchase APR for my card at the time of this offer was 15.99 %. If I apply this interest rate ( 15.99 % ) to {$5600.00} ( the purchase amount ) with 18 monthly installments, it comes to {$350.00} which is almost equal to what My Chase Plan offers. In other words, I am paying the same interest amount but have the impression that I don't pay interest and just pay {$40.00} monthly fee. This is completely misleading and also inaccurate by defining the amount as monthly fee instead of interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: IL

Complaint narrative:
i asked XXXX XXXX if they could correct this problem and they told me they will look into it 4 weeks ago abd still havent heres problem Account info Account name XXXX XXXX Account number XXXX Original creditor - Company sold - Account type Mortgage Date opened XX/XX/XXXX Account status Open Payment status Current, was past due 90 days Status updated XX/XX/XXXX Balance {$90000.00} Balance updated XX/XX/XXXX Original amount {$110000.00} Paid off 21 % Monthly payment {$1400.00} Past due amount - Terms 360 Months Responsibility Individual Your statement - Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX On XXXX 30 days late 60 days late 90 days late Data unavailable Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Comments Account information disputed by consume im still trying my hardest to try and straighten this out can you help out

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 2021-12-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
i asked XXXX XXXX if they could correct this problem and they told me they will look into it 4 weeks ago abd still havent heres problem Account info Account name XXXX XXXX Account number XXXX Original creditor - Company sold - Account type Mortgage Date opened XX/XX/XXXX Account status Open Payment status Current, was past due 90 days Status updated XX/XX/XXXX Balance {$90000.00} Balance updated XX/XX/XXXX Original amount {$110000.00} Paid off 21 % Monthly payment {$1400.00} Past due amount - Terms 360 Months Responsibility Individual Your statement - Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX On time 30 days late 60 days late 90 days late Data unavailable Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Comments Account information disputed by consume im still trying my hardest to try and straighten this out can you help out

Company response to consumer: Closed with explanation