vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Freedom Mortgage is aware of my participation in the XXXX program. I have called Freedom Mortgage on XX/XX/22 on which I spoke to XXXX inquiring about my XXXX payment being received on which he said no and that I should reach back out to XXXX. I contacted XXXX on XX/XX/22 on which I spoke with XXXX who confirmed that the payment was sent out on the XXXX of XXXX. I called Freedom Mortgage on XX/XX/22 on which I spoke with XXXX ( ID # XXXX ) in which she stated that there is no payment made on my account for XXXX and she doesnt see where the payment was received on her end. I sent a secure message in the Freedom Mortgage app on XX/XX/22 asking again about my XXXX payment in which I am still awaiting a reply. On XX/XX/22 I spoke with XXXX ( ID # XXXX ) from Freedom Mortgage asking about my XXXX payment in which she stated she doesnt see any payment for XXXX. I would like to know where my XXXX payment is as it was sent the same time last month and received with no problem. This is very frustrating and stressful and I would like answers as there are a few people who I am friends with whos also working with the XXXX program that have received their XXXX payment and theirs was also sent out on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: NY

Complaint narrative:
My name is XXXX XXXX. I am not a third party. I am making this complaint on my own behalf. I was a victim of identity theft and see all the fraudulent unathorized accounts on my report. I already contact the creditors and got the accounts closed. I also see unauthorized addresses on my report. 

XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX UNAUTHORIZED FRAUDULENT ADDRESS : XXXX XXXX XXXX XXXXXXXX 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 2022-12-19 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: TX

Complaint narrative:
I previously submitted a claim to XXXX XXXXXXXX regarding an account that I do not agree with the amount and the dates reported, and from my last complaint XXXX XXXX stated that they were not reporting the XX/XX/2015 loan to any other credit bureau besides XXXX. This month when I refreshed my credit report, it shows that this account is reporting to Equifax and is hurting my score. I would like for the company to honor their word and remove this account from reporting immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: NY

Complaint narrative:
report We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT My name is XXXX XXXX. I am not a third party. I am making this complaint on my own behalf. I was a victim of identity theft and see all the fraudulent unathorized accounts on my report. I already contact the creditors and got the accounts closed. I also see unauthorized addresses on my report. XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX UNAUTHORIZED FRAUDULENT ADDRESS : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: PA

Complaint narrative:
XXXX XXXX is reporting this account on my credit report and i have written them as well as all 3 credit bureaus challenging the 100 % accurate reporting of this account and each time they all send back a letter saying it is verified as accurate ... how is that possible? i have pointed out the inaccuracies to them all multiple times and they still ignore it and continue to violate my consumer rights... .i have attached a copy of how its reporting on my credit report for reference ..... 

they are reporting 3 different high credit limits XXXX reports {$470.00} XXXX  reports {$0.00} equifax reports {$240.00} they are reporting 3 different dates of last payment on my report XXXX and XXXX are reporting XX/XX/XXXX equifax is reporting XX/XX/XXXX but if you look on the 2 year payment history equifax is also reporting XX/XX/XXXX as the date of last payment they are reporting 3 different dates of last active XXXX reports XX/XX/XXXX XXXX reports XX/XX/XXXX equifax reports XX/XX/XXXX i believe they are not conducting full and proper investigations as required by law ... .this reporting is not 100 % accurate at all and they are pencil whipping the responses

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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:
XXXX XXXX is reporting this account on my credit report and i have written them as well as all 3 credit bureaus challenging the 100 % accurate reporting of this account and each time they all send back a letter saying it is verified as accurate ... how is that possible? i have pointed out the inaccuracies to them all multiple times and they still ignore it and continue to violate my consumer rights... .i have attached a copy of how its reporting on my credit report for reference ..... 

they are reporting 3 different high credit limits XXXX  reports {$470.00} experian reports {$0.00} XXXX reports {$240.00} they are reporting XXXX different dates of last payment on my report XXXX  and experian are reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX but if you look on the 2 year payment history XXXX is also reporting XX/XX/XXXX as the date of last payment they are reporting XXXX different dates of last active XXXX  reports XX/XX/XXXX experian reports XX/XX/XXXX XXXX reports XX/XX/XXXX i believe they are not conducting full and proper investigations as required by law ... .this reporting is not 100 % accurate at all and they are pencil whipping the responses

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: NC

Complaint narrative:
I have disputed the account because the acct is showing a balance past due. I made a payment to XXXX XXXX XXXX XXXX XXXX My account was transfer to them by XXXX however XXXX has not updated my account. The account is not paid in full as of XX/XX/2022. Please remove the XXXX account from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
Multiple times waiting on hold and calling about my XXXX. Sent the document 4 times, with very little direction about what was wrong. Received on the last day XX/XX/XXXX that I needed more documentation to support my employee verification. I have worked at the same XXXX since XXXX, HR has signed/resigned and I have double checked the date on my XXXX  form and everything was accurate. Receiving this on the last day before close of the XXXX, I was unable to call/figure out additional discrepancies MOHeLA found that they felt they couldnt certify my employment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: PA

Complaint narrative:
XXXX XXXX is reporting this account on my credit report and i have written them as well as all 3 credit bureaus challenging the 100 % accurate reporting of this account and each time they all send back a letter saying it is verified as accurate ... how is that possible? i have pointed out the inaccuracies to them all multiple times and they still ignore it and continue to violate my consumer rights... .i have attached a copy of how its reporting on my credit report for reference ..... 

they are reporting 3 different high credit limits transunion reports {$500.00} XXXX reports {$0.00} XXXX reports {$360.00} they are reporting 3 different dates of last payment on my report transunion and XXXX  are reporting XXXX XXXX  is reporting XX/XX/XXXX but if you look on the 2 year payment history XXXX is also reporting XXXX XXXX  as the date of last payment they are reporting 3 different dates of last active transunion reports XXXX XXXX reports XXXX XXXX reports XX/XX/XXXX i believe they are not conducting full and proper investigations as required by law ... .this reporting is not 100 % accurate at all and they are pencil whipping the responses

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 2022-12-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I am continuing to have an issue opening up a credit, checking, and savings account with Capital One Bank, N.A. Capital One Bank is refusing to open up any accounts for me due to me having a previous bankruptcy on my XXXX XXXX, XXXX, and XXXX credit report, and having previous credit card accounts with Capital One Bank that was opened fraudulently and was the result of identity theft. Capital One Bank is discriminating against me based on my race, income, me having a bankruptcy and previous fraudulent credit card accounts with Capital One Bank. Capital One Bank is in complete violation of the Equal Credit Opportunity Act ( ECOA ) under federal law. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: WI

Complaint narrative:
on XX/XX/2022 at XXXX american credit acceptance received a Notice of rescission from me according to XXXXXXXX XXXX XXXXXXXX to which im still waiting for them to send me back my down payment of {$1500.00} plus the return of the title to my car. they have violated 15 usc 1640 ( a ) an should be held liable for damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Ive called and submitted disputes nothing has happen this action was taking more of 5 months ago no one from the credit Bureau never contacted me In no way not by email or phone they keep reporting witch is fraud this really messed up whats going on my lawyer will be present the next time this happen or come up I would be sueing for fraud and fraud upon reporting and much more also came was racism I called they put me on hold for hours with out saying anything but we give u a call back Wells Fargo, 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 2022-12-19 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: MO

Complaint narrative:
This account is closed and does not have a balance, It should not be showing up as a late payment. This is also a violation 15 USC 1681 ( 2 ) ( A ) ( i ) my transactions or experiences between me and XXXX XXXX should NOT have been on my consumer 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 non-monetary relief
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This account is closed and does not have a balance, It should not be showing up as a late payment. This is also a violation 15 USC 1681 ( 2 ) ( A ) ( i ) my transactions or experiences between me and XXXX XXXX should NOT have been on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: EQUIFAX, INC.
State: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: PA

Complaint narrative:
XXXX XXXX  is reporting this account on my credit report and i have written them as well as all 3 credit bureaus challenging the 100 % accurate reporting of this account and each time they all send back a letter saying it is verified as accurate ... how is that possible? i have pointed out the inaccuracies to them all multiple times and they still ignore it and continue to violate my consumer rights... .i have attached a copy of how its reporting on my credit report for reference ..... 

they are reporting 3 different high credit limits XXXX  reports {$500.00} experian reports {$0.00} equifax reports {$360.00} they are reporting 3 different dates of last payment on my report XXXX  and XXXX are reporting XX/XX/XXXX equifax is reporting XX/XX/XXXX but if you look on the 2 year payment history equifax is also reporting XX/XX/XXXX as the date of last payment they are reporting 3 different dates of last active XXXX  reports XX/XX/XXXX XXXX  reports XX/XX/XXXX equifax reports XX/XX/XXXX i believe they are not conducting full and proper investigations as required by law ... .this reporting is not 100 % accurate at all and they are pencil whipping the responses

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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:
XXXX XXXX is reporting this account on my credit report and i have written them as well as all 3 credit bureaus challenging the 100 % accurate reporting of this account and each time they all send back a letter saying it is verified as accurate ... how is that possible? i have pointed out the inaccuracies to them all multiple times and they still ignore it and continue to violate my consumer rights... .i have attached a copy of how its reporting on my credit report for reference ..... 

they are reporting 3 different high credit limits XXXX  reports {$500.00} experian reports {$0.00} XXXX reports {$360.00} they are reporting 3 different dates of last payment on my report XXXX  and experian are reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX but if you look on the 2  year payment history XXXX is also reporting XX/XX/XXXX as the date of last payment they are reporting 3 different dates of last active XXXX  reports XX/XX/XXXX experian reports XX/XX/XXXX XXXX reports XX/XX/XXXX i believe they are not conducting full and proper investigations as required by law ... .this reporting is not 100 % accurate at all and they are pencil whipping the responses

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 2022-12-19 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: NY

Complaint narrative:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXXXXXX ( Account number XXXX, Date opened XX/XX/XXXX, Original balance {$740.00} ), XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1400.00} ), XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1400.00} ), XXXX, ( Date Opened : XX/XX/XXXX, Balance : {$830.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5100.00} ), XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$5100.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$24.00} ), XXXX ( Date Opened : XX/XX/XXXX, Original balance {$4400.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-12-19 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: PA

Complaint narrative:
XXXX XXXX is reporting this account on my credit report and i have written them as well as all 3 credit bureaus challenging the 100 % accurate reporting of this account and each time they all send back a letter saying it is verified as accurate ... how is that possible? i have pointed out the inaccuracies to them all multiple times and they still ignore it and continue to violate my consumer rights... .i have attached a copy of how its reporting on my credit report for reference ..... 

they are reporting 3 different high credit limits transunion reports {$950.00} XXXX  reports {$0.00} XXXX reports {$910.00} they are reporting different dates of last payment on my report transunion and XXXX are reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX they are reporting 3 different dates of last active transunion reports XX/XX/XXXXXXXX XXXX reports XX/XX/XXXX XXXX reports XX/XX/XXXX i believe they are not conducting full and proper investigations as required by law ... .this reporting is not 100 % accurate at all and they are pencil whipping the responses

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 2022-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
My loan was transferred to Loancare on or about XX/XX/2022. Since then my payment is listed incorrectly. I have placed several calls and each time I was told to wait as my loan was being " reviewed ''. To date, nothing has been corrected. The main issue appears to be with my escrow. I received a check from Loancare for approximately {$5300.00}. However, this now means I have very little to almost nothing in escrow. As my taxes and insurance come due, I will not have funds in escrow to cover those amounts. I assume my payment will then jump from the incorrect amount of {$1600.00} to who knows what. I used to pay $ XXXX. Nothing changed, just the servicing and now I have a {$5300.00} check and my payment went from {$1800.00} to {$1600.00}. Additionally, I can't make an online payment for some reason as the " scheduling is currently unavailable ''. I'm not calling in an wasting my time anymore. They need to fix this 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 explanation