vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I do have a credit card with Barclays XXXX XXXX thru Frontier Airlines. Few weeks ago Barclays sent me an offer to transfer money from my Credit Card to my bank account and charge me no interest for severals months. Since I had no balance and my available credit line was the maximum XXXX XXXX I transferred the XXXX $ ( maximum of the credit line ) to my bank account. But few days later, I saw that Barclays charged me twice XXXX $ for that one single transfer although my credit limit is only XXXX. 

I have been calling Barclays every days since XX/XX/XXXX only to be told this is known issue and they are working on it. As of today XX/XX/XXXX, Barclays has still not resolved the issue and/or given me a clear date when it will be resolved. 
In fact during the call today, I am being told it can take up to 2 months for the issue to be resolved, but no guarantee

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 2021-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANKMOBILE TECHNOLOGIES, INC
State: MD

Complaint narrative:
I had a bank mobile account # XXXX for over 5 years, until today, they closed down my account out of the blue, I called customer service, he was not any help, i asked for a supervisor, the person that claimed to be the supervisor told me when the prompt online asked for my social security number and I did not provide it, they closed down my account. I told him that I banked with them for years, never when I went to go check my account, it asked for my social security number. I been scammed before so I thought it was a scam. I then asked the rep. where is my money that was in the account? what blew my mind, this man told me that i have not used the account in years! Which is a Lie! I work for XXXX  XXXX XXXX and my checks get deposited in that bank account # XXXX every other week, now this so-called supervisor is trying to tell me that i don't have any money in that account or used that account in years.

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 2021-12-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I have made a purchase in XXXX store with store card issued by Comenity Bank. My due date is the XXXX of each month. Credit card cut of time is XXXX EST. I made a payment on the XXXX after XXXX. Obviously I was charged late fee plus interest. Next month statement indicated late fee and interest. I paid it and again I missed cut of time. I am being charged again late fee plus interest for 2nd time. My purchase balance was paid fully from the first time. But I am still being charged late fee on the late fee.Is this even legal? Thank you. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
I filed for a forbearance with XXXX Mortgage which will end on XX/XX/22 I received a court document stating that the full amount of XXXX must be paid on XXXX or they will start foreclosure proceedings My lawyer agreed to this without my consent I was unaware that there was a court date My lawyer advised me to pay the amount due or let XXXX take the home

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: EQUIFAX, INC.
State: AL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
Our mortgage was sold to a Freedom Mortage company on XXXX, we were notified and we set the drafts as usual, on XX/XX/XXXX the payment was reversed saying that it was an error on code, I contacted the company and they found that their system was taking savings accounts as a checking account, we set a one time payment as they instructed and payment was reversed again on XX/XX/XXXX, we set it again with XXXX  bank confirming all the information and it got reversed again o. XX/XX/XXXX, we change it to checking account and it got reversed again on XX/XX/XXXX we finally got a pyme t and then we had the same issue by XX/XX/XXXX we contacted the mortgage company set all again and payment finally went through, I was expecting a draft on XX/XX/XXXX and that payment got reversed again on XX/XX/XXXX now I just want my mortgage be with another company, this is insane.

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 2021-12-07 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX of inquiry XX/XX/XXXX XXXX-Date of XXXX XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry 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 2021-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX XXXX XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL 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 2021-12-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS NOR HAVE I SIGNED MY SIGNATURE ON THEM. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES, PLEASE HAVE THESE FRAUDULENT ITEMS REMOVED FROM MY FILE AS A 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 2021-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN FINANCING CORPORATION
State: CO

Complaint narrative:
Since late XXXX early XXXX I have been attempting to refinance my mortgage. In the beginning of this process I was getting communication from American Financing and then it started getting increasingly hard to get a hold of the loan processor or the underwriter to find out the status of my loan. I have been told XXXX different timelines of when I can close my loan, the last was supposed to be XX/XX/2021. I was also told not to pay my mortgage for XXXX and XXXX however I am getting late notices which is not only showing me that the process isn't started still but this going to affect my credit based on what my loan processor XXXX XXXX told me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: AL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX {$360.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
XXXX XXXX XXXX is the company her mortgage is at. 

I have sent documents proving I have the right to speak on behalf of her estate. They will not accept any of the documents signed by the judge and my letter of administration. 

Around the first week of XXXX : I called and was told to email Death Cert, Letter of Administration, and signed copy of the judge 's orders. Those documents were sent to XXXX Around XX/XX/XXXX : I called to see if the email was received. After 30 min on the phone, they confirmed the documents had been received but then said this was not how the process worked and they would have to send out a packet to fill out and return. 

Today : I called today and the firs agant I was speaking with ended up transferring me to XXXX XXXX She kept talking about how I needed to prove I had an ownership interest in the house and that the administrator needed to give him permission to speak about the loan. At this point, I explained for the umpteenth time that I am the administrator/executor. I told her that every time we call we get a different story and we are about ready to file a complaint with the Consumer Financial Protection Bureau. At this point, she offered to email a copy of the letter that was sent over ( they claimed in the past they could not email the information ). Her ID was XXXX XXXX XX/XX/2021 - Called and was transferred 3 times. Was transferred to an escalation specialist. Our conversation went like this : Agant ID XXXX  Was transferred a few times and the last person said " A specialist will call within one business day. I asked for her title, she said " Escalation specialist '' I asked for the name of the person who was supposed to call back she said " I can not disclose that information '' I asked for the department of the person who was supposed to call XXXX back and she said " I can not disclose that information '' I asked other questions. Every question I asked I got the same response. 


She stated it could take 60 days before this is processed. G

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: Gatestone & Co. International Inc.
State: MS

Complaint narrative:
XXXX XXXX has been reporting a debt to credit report for a credit card that was opened in XXXX of 2018. Said account was not opened by me, authorized to be open by me, nor does this account belong to me. Ive been in contact with XXXX XXXX since learning of this account. Ive signed identity theft at XXXX XXXX request however this negative account continues to appear on my credit report. At one point, XXXX XXXX advised me that the account has been turned over to a debt collecting company, Gatestone. Ive spoken with Gatestone as well and told the account manager that this XXXX XXXX account does not belong to me, the account was not authorized to be opened by me, and I didn't have any knowledge of this account until reviewing my credit report. I was actually on XXXX XXXX and XXXX to XXXX when this account was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: AL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX {$360.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXXBalance {$1500.00} XXXX XXXX ( Original Creditor : 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 2021-12-07 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:
I sent TransUnion a letter disputing accounts ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and 2 hard inquiries from XXXX XXXX XXXX and XXXX XXXX on XX/XX/2021. In the dispute letter I demanded that TransUnion comply with Federal Law 15 USC 1681C-2 ( A ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. TransUnion received my letter on XX/XX/2021. Today is XX/XX/2021, according to this law TransUnion was suppose to block/delete these fraudulent accounts and inquiries 4 days after the date of receipt. Therefore, TransUnion is in violation of Federal Law 15 USC 1681C-2 ( A ).

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 2021-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC.
State: DC

Complaint narrative:
I refinanced with Axos Bank at the end of 2020. Since then they have failed to contact my home insurance company to set up annual payment ( this has since been corrected ), they incorrectly calculated my city property tax and had no interest in contacting the city to correct it. I had to have multiple email exchanges with them and multiple calls with the city to rectify this. The auto debit system will not allow me to pay the actual amount I owe. It is still set to the old amount with no option of changing it. I suspect this is why the system won't transfer the funds to my mortgage account. I've asked multiple time for them to rectify this to no avail. Every time I think they've corrected it, I get a notice saying my mortgage is late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: AR

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authting on my Credit Reports : XXXX Inquiry Date XXXX ; XXXX XXXX XXXX Inquiry 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 2021-12-07 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: PA

Complaint narrative:
EXPERIAN is fraudulently reporting a public record on my report. I have contacted the third party company they state they verified with. This company XXXX says this information was not verified and had been deleted from there data base. I have contacted the court listed on my file who states the same thing. I have requested both by phone and by mail that an investigation be done and this item removed. EXPERIAN continues to send only credit reports. Since XX/XX/21 I have received 11 reports. None of which show proof of an investigation or permissible purposes for certain items listed. This public record is intentionally being left on my file. Pursuant to the FCRA XXXX have an obligation to investigate and report verified information.

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 2021-12-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, Transunion and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.

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