vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: WI

Complaint narrative:
I am a new customer with Flagstar Bank, they are the servicing provider for my personal home mortgage. At the end of XXXX Flagstar completely mishandled my tax payment to my local municipality and has not refunded my escrow account. Per my closing arrangements as allowed by the state of Wisconsin, I am able to receive my tax obligation from escrow directly via a check, which is what I selected on my closing document. However, going into tax season I never received a check and was told multiple times this was not possible ( they're a servicer located in Texas that obviously did not know Wisconsin laws ). Through multiple exchanges with customer service, accounting, and the third party escrow company we finally were able to pay my XXXX taxes. 

During this process there were duplicate checks cut for the amount of {$1800.00} that were debited from my escrow account. I therefore had a negative balance going into XXXX as they refunded the remainder to me in a separate check. I notified Flagstar of this mistake and after 90 days this still has not been resolved.

I am extremely aggravated with tryin to resolve this with Flagstar because each time I have to talk to 3+ person 's in customer service and accounting to ultimately receive the same response : wait. I'm tired of waiting and ultimately do no trust Flagstar to maintain my mortgage account. I have only been a customer for 7 months and 5 of those months have been spent trying to resolve their mistakes.

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 2022-04-04 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2022 I applied for a XXXX XXXX XXXX Credit card. Shortly after XXXX informed me there was a credit freeze on my account and asked that I have it lifted so they could check my credit report. For 3 days I have tried to contact Experian with their website and over the phone. Many, many, many attempts all lead to no where. I asked XXXX to go to a different credit bureau and they said that once they have contacted a particular bureau ( Experian ) they can not change it. Searching the internet you will find there are THOUSAND of folks like me that can not get through the Experian system. There are also dozens of reports of fake websites pretending to be Experian customer service. The only option I have been given is to send a letter with copies on my drivers license, SSN, proof of address etc. I do not think it is advisable for anyone to send such a package to a po box in Texas. Can you please help me connect with a person, that is definitely an Experian representative so that we might fix this seemingly simple problem?

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 2022-04-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
If your company has indeed mailed me a 1099c for account # XXXX please provide me with documentary evidence such as a tracking number or green slip showing my wet signature that I got this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX Amount $ XXXX collections Account # XXXX amount {$430.00} The XXXX XXXX XXXX XXXX Account # XXXX, Account # XXXX Amount {$220.00}. XXXX collections Account # XXXX Amount {$480.00} has violated my rights. 

15 U.S.C1681 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 account without my written instructions.

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 2022-04-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
According to 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. This is my 2nd attempt reaching out to the bureaus making corrections to updating my personal information. Please remove all addresses EXCEPT current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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:
According to 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. This is my 2nd attempt reaching out to the bureaus making corrections to updating my personal information. Please remove all addresses EXCEPT current address 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 explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I, XXXX XXXX natural person and consumer pursuant 15 USC 1692 contacted XXXX XXXX XX/XX/2022, regarding my account giving an error message when logging in. Error message states : " Let 's Get This Worked Out you may not be able to see all of your account features right now, but we're working on it. Try again in a bit, or give us a call at ( XXXX ) XXXX '' I was told that there was a name error and that it will be taken care of when I send in my identification and a letter stating who I am. I was never made aware of this issue prior. I was told to take a picture with the letter and card number and social security number with ID attached. Upload to the link sent via email. It was received and I was told it takes 5-7 business days to resolve. I was then told there was an account checking open with my name. I verified it wasn't my account and then told that takes some time to call back another time. Here I am a month later XX/XX/2022 a manager then tells me I have to update my name via phone with creditwise for name change. I followed through with a lady who barely could speak english and told me it take 72 hours to update in the system. I was told my account should be all set and updated. Still the same error and XXXX XXXX has yet to respond regarding this ongoing billing error and error message. It is now XX/XX/2022 and I have yet been able to access my account. CO is liable for misrepresentation pursuant 15 USC 1692e. I the consumer should not have to worry if my private information is being mimicked without my knowledge. This is clearly fraud and XXXX XXXX should be held accountable pursuant 15 USC 1692k. I have tried resolving this matter several times and be coerced into dead ends. 

Everything I say here is true. So be it.

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 2022-04-04 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: Marlette Funding, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I made a payment of {$500.00} to best egg to bring my balance down to {$3200.00}. On XX/XX/XXXX after I made that payment Best Egg reported I made an {$140.00} payment for the XX/XX/XXXX payment. It also still says my last payment was XX/XX/XXXX. I called Best Egg and was told a ticket would be sent. I called back days later and was told there was never a ticket created and that I have to dispute the information with the credit bureaus. I disputed the information with XXXX on XX/XX/XXXX and Best Egg LIED to XXXX stating I only made a payment of {$140.00} and my balance increased. On XX/XX/XXXX Best Egg reports to XXXX that the original information they reported was incorrect which is not true. I have proof on their provided statement that the balance is now {$3200.00}. I filed other dispute with XXXX on XX/XX/XXXX Best egg again lies and tells them the information currently on there is correct. I have called best egg multiple times are every time I am told there back office handles that and there is nothing they can do. I have to keep filing disputes. I filed another dispute on XX/XX/XXXX with XXXX and they still refuse to update my balance. I filed another dispute with XXXX on XX/XX/XXXX and that is pending. I just got off the phone with best egg and now I was told I need to send them a request to have this looked at and it could take 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: NJ

Complaint narrative:
XX/XX/22 {$890.00} Spoke with company XXXX  XXXX XXXX on the phone with debt collector Viking Client Services they told the debt collector I dont owe them any money or see anything went in to collections and the debt collector still trying to get money

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

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the 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 2022-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: NY

Complaint narrative:
Our mortgage was sold to Selene by XXXX the summer/fall of last year. My husband is on permanent XXXX due to XXXX, and I am unemployed ( Covid-19 related ). I was able to find a part time job, but not nearly the same amount I was making before Covid, plus the job is a grant-funded position. We were under forebearnce with XXXX and was at the beginning of applying for a modification when our mortgage was sold ton Selene. My husband also is under XXXX XXXX bankruptcy. 

Weve tried to work with Selene numerous times on a loan modification. We have a XXXX XXXX XXXX son and nowhere to go if we lose our home. Selene sent my husbands bankruptcy attorney a modification, whereby we had to make one payment and then Selene would give us a permanent modification and agree to esponge my husbands bankruptcy records. We held up our end of the bargain, but Selene hadnt. They told the attorney they sent the modification in error, even though we paid the amount in the mortgage and have been paying the regular mortgage amount since XXXX of XXXX. Worst of all, the money we paid has been reversed by Selene, but we havent gotten any of it back. They are impossible to reach and when we did get a representative, we were told they couldnt speak to us about our own account.

The bankruptcy judge says he cant force them to uphold the agreement and we have yet another court date. We dont know what to do. It seems like Selene isnt interested in helping us keep our home, but wants to foreclose on it. We have a young son and need to keep our house. We want Selene to honor the trial modification they sent us. Weve done our due diligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't 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 XXXXThis 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 XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2022-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
I have had the vehicle for 5 years and the principal balance was {$15000.00}. I pay XXXX XXXX monthly. However they have been applying my payments of {$400.00} towards interest instead my principal balance. I still owe over {$10000.00}. I am facing financial hardships and they are threatening to repossess my vehicle. My child was diagnosed with XXXX recently and I need my vehicle to get her back and forth to therapy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Carter-Young, Inc.
State: CA

Complaint narrative:
Since XXXX of XXXX, I have been receiving calls from a company in Georgia. Finally on XX/XX/XXXX, a voicemail was left by someone identifying themselves as XXXX XXXX from XXXX XXXX XXXX and asking me to contact them at the number provided. I did not know if this was a scam or not, but I returned the call and the company was closed. I received phone calls again from agents at XXXX XXXX XXXX XX/XX/XXXX and XXXX from a XXXX XXXX XXXX XXXX only asking me to contact them. I again tried calling back, but the company was closed. There is a 3 hour time difference and they frequently call in the afternoon! I spoke with an attorney who told me that if I do have a debt, the debt collector must provide the collection in writing and identify themselves and the fact that they are attempting to collect a debt in ANY form of communication they attempt with me, including voicemail. I never received a letter and the voicemails never identified that this company was trying to collect a debt. However, this company reported a debt that I had previously contested with a different debt collections agency ( who then dismissed the debt as inaccurate ) to all 3 credit bureaus! I was never given the written notice of debt and I was never given the chance to contest the debt! I have tried calling the agency twice, and have been treated with such disrespect that I finally hung up and decided to file this complaint because the agents dont bother to listen to what Im telling them, or they call me a liar. I have received a couple calls since then from the company, but no message was left either time! The representatives I spoke with were extremely rude and unprofessional and this company needs to follow the law by going through the appropriate motions of debt collection, starting with proper notification!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
These dates are estimatesXXXX XX/XX/XXXX : created account with American Express XXXX card for XXXX bonus points 10x points on restaurants as the sign up bonus ( SUB ) when I signed up there system was down and I had to resubmit my application. 
XX/XX/XXXX : becuase of the system down problem I called to confirm I would be receiving the XXXX points and 10x restaurants on my card as SUB, agent confirmed that and I told him to put a note in the system XX/XX/XXXX : called again to confirm and told me I only received XXXX SUB, agent understood the previous call and opened a case XX/XX/XXXX : received a letter in the mail stating that the SUB was only for XXXX not XXXX XX/XX/XXXX : called Amex agent and told me to disregard that letter sent in the mail and the case was still opened XX/XX/XXXX : called and told me case was closed and they didnt no why, they reopened cased and put priority on it. 
XX/XX/XXXX : Received letter in mail stating I would only get XXXX, called and talked for an hour to a rude supervisor who just wanted to argue. I told him to go back and listen to the original conversation ( since they are recorded ) he got all defensive and said it didnt matter what the agent said. 
XX/XX/XXXX : called again today and was told the same thing about how this could not be fixed as it was not an American express error even though it was. 

I made a post on XXXX about this and it seems to be a very common bait and switch technique that American express uses to lure in customers. If you just type in on XXXX American express bait and switch it is flooded with XXXX   about this. This is very concerning and seems like it could become a class action lawsuit. I will include screenshots of XXXX  in the photos sections. They will also not share the phone calls of the first agent I talked too unless I subpoena it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have 5 inquiries made on my report from loans and credit card applications that I did not make. Someone had stolen my identity and I didnt realize it until I received a capital one card that I did not apply for I then called and canceled the card and started to see notes about loans being applied for and made a XXXX report to see what all was created. I noticed they was all made on XXXX and the accounts are as follows XXXX XXXX, XXXX, Capital One Bank USA NA , Capital One US card XXXX and XXXX XXXX. I would like these marks removed from my account and the amounts closed please.

Company response to consumer: Closed with explanation