vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
My mortgage was acquired by Freedom Mortgage on XX/XX/2021. I was not advised of this transfer. With the original lender, approximately {$470.00} of each payment was credited toward my Principal each month. Freedom Mortgage, however, is only crediting {$3.00} per month toward my Principal thereby unreasonably and illegally extending my mortgage indefinitely. Also, it appears they are not applying my payments toward my escrow for taxes and insurance. I've tried communicating with them about my payments, however they have not responded.

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 2021-02-21 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
The following accounts appearing on my credit report are fraudulent : COMENITYCB/XXXX XX/XX/XXXX {$0.00}, COMENITYCBXXXX  XX/XX/XXXX {$890.00}, XXXX XXXX XX/XX/XXXX {$0.00}, COMENITY CAPITAL BANK {$670.00}, XXXX XXXX I reached out to the XXXX XXXX, and XXXX  credit bureaus several times. The last correspondence was XX/XX/XXXX. I have received no valid response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: NY

Complaint narrative:
Can not unfreeze my credit with Experian, as the website is broken. As per the screenshot. When I call for support, they say they can not help me, as my credit is frozen. 

They should ensure that the freeze/unfreeze functionality is working, instead of promoting their paid for credit lock service. isnt that a conflict of interest?

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 2021-02-21 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: TX

Complaint narrative:
XXXX has inaccurately reported late pays in my credit report while my status was in deferment. They fraudulently reported 3 late pays on my credit report while I was enrolled in school at the time and my loan status was in deferment. I have reached out to XXXX by phone and by mail in order to resolve this issue. I even mailed in a goodwill letter asking them to forgive the late pays although it was inaccurately reported to begin with.

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 2021-02-21 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: TX

Complaint narrative:
XXXX has inaccurately reported late pays in my credit report while my status was in deferment. They fraudulently reported 3 late pays on my credit report while I was enrolled in school at the time and my loan status was in deferment. I have reached out to XXXX by phone and by mail in order to resolve this issue. I even mailed in a goodwill letter asking them to forgive the late pays although it was inaccurately reported to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: TX

Complaint narrative:
XXXX has inaccurately reported late pays in my credit report while my status was in deferment. They fraudulently reported 3 late pays on my credit report while I was enrolled in school at the time and my loan status was in deferment. I have reached out to XXXX  by phone and by mail in order to resolve this issue. I even mailed in a goodwill letter asking them to forgive the late pays although it was inaccurately reported to begin with.

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 2021-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Hypur, Inc
State: CA

Complaint narrative:
XXXX I am now a former Hypur customer. When on the phone with customer serive today, I was told " go ahead and complain wherever you want. I am taking that advice. 

Hypur has repeated transaction failures that have not been transparently explained when directly questioned. The lack of transparency is difficult to accept from a service that is directly linked to my personal bank accounts. After a challenging customer service chat XXXX to be clear and honest, it was challenging from both sides and for both parties ) I requested deletion of my data and written confirmation that this was complete per the California Consumer Privacy Act ( CCPA ). I was told t oh we dont qualify XXXX XXXX XXXX XXXX XXXX SO I am unable to comply with that request. Then I was locked out of my account. I called to ask to be unlocked so that I could unlink my financial information myself or confirm this was complete. 

Please note that when I attempted to log in, I was not told that no account existed - I was told my account was locked. And, the person who supposedly deleted that data told me that he could not email me. When I called customer service, they said that actually an email was standard - but then just sent me a generic email with no traceability ot my request. I was told that I was no longer able to access my account. I was told that I would be unable to verify that the account was not linked. I was also then given the advice to find somewhere else to complain. 

The above events - between my data delete request and phone call that resulted in an email confirmation was less than 20 minutes. I do not have confidence that a proper process was followed for my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: AK

Complaint narrative:
Submitting my Complaint AGAIN and WILL CONTINUE to do so EVERY DAY until SOMEONE LOOKS at the documents and these two companies are REMOVED from my report or at the VERY least, reported CORRECTLY!!! 
Due to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX, I lost my business, my retirement, everything I had. The judge declared by case to be a hardship case and ruled that even the student loan to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, at one point they had reported the account to all the credit bureaus as CLOSED/CHAPTER XXXX BANKRUPTCY. 
2 years later, they decide to pass it off AFTER DISCHARGED BANKRUPTCY to a XXXX  for " collection '', which is totally ILLEGAL! Now, both XXXX AND XXXX are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! It is bad enough that my credit report is showing a bankruptcy that hurts me, but to now have these TWO companies reporting FALSE information and CONTINUING to get away with what is a CLEAR violation, is just baffling and infuriating to me! That has the ENTIRE point of Chapter XXXX and DEFEATS the purpose! 
I am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a lawsuit and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to me over my credit report. I have had ENOUGH! 
HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? 
LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! 

THE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
I purchased a XXXX  XXXX from Clay Cooley XXXX in XXXX Texas on XX/XX/2020 it was the worse experience of a lifetime. The sale person proposition me a favor since he sold me the car, the finance person said I had a maintenance agreement when it was time to get my Oil changed I found out I didn't have it. I cancelled the extended warranty for {$3000.00} it was not taken from the loan until XXXX. The {$3000.00} was applied as payments towards the loan, but the amount was never taken from the loan, so I'm still paying on it monthly. I purchased the Car {$27000.00} ( Trade in was added to the purchase price {$7000.00} ) I still owe {$26000.00} with monthly payments of {$540.00}. I tried to return the car within the 3 days and was told by the sales man I was not able too. He said to me and I quote " you come in here with a XXXX credit score no money down and expected lower payments ''. Just Rude! I have been turned down 30 times trying to refinance this car. Covid hit the next month and I was not able to move forward with the complaint, everything closed. I sent messages and no answers, I feel like I was taken advantage of. I went to get an oil change and was told I didn't have the maintenance agreement even though I signed into the program, what was included was {$1500.00} deal that helps you locate your car which when I signed the paper I was told it was of no charge. These people need to be investigated

Company response to consumer: Untimely response
Consumer complaint received 2021-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: UT

Complaint narrative:
Hello in XX/XX/2019 I took out an FHA loan and I had to pay Upfront Mortgage Insurance. This month I refinanced into conventional and trying to figure out how to get a portion of funds back from XXXX XXXX  XXXX because I was told that under 1 year refi you can get a prorated portion of your funds back. I am given run around.

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 2021-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
ive noticed that there was a XXXX payment made to someone that i dont know, the amount was XXXX and i dont even know this person ive contacted the bank and they said they would investigate and temporary credit me within 5-7 business days which i never got.the bank closed the claim without investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Chime Financial Inc
State: CO

Complaint narrative:
I was traveling through to a natural disaster. My check card went missing but because I had access to a credit builder account I was simply transferring money as needed to my credit builder prepaid account and suspended transactions for my other account until I could get back home and safely retrieve my mail. In the middle of the natural disaster when I needed access to my money the most with full knowledge that my government benefits are deposited onto the card this provider close the card without any notice penalizing me because someone took my check card. I had already called in and emailed SUPPORT there was no reason to close the account and leave me with no way to get government benefits necessary to survive a natural disaster

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: IL

Complaint narrative:
I received a notification in my email that XXXX completed their investigation into my dispute of the following accounts ; File XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX  I have faxed this information and sent certified mail to both Equifax and XXXX in regard to these same accounts. I demand that XXXX and Equifax remove these items immediately. I have been advised by my attorney to file a complaint here prior to proceeding with a lawsuit. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
While checking my credit report i notice a debt collector trying to collect a debt i have no knowledge of i have never signed a contract with this company in person nor electronically neither any of there affiliates

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: LL Services Parent LLC
State: NM

Complaint narrative:
Either today ( XX/XX/2021 ) or yesterday ( XX/XX/2021 ) Covius Mortgage Solutions pulled a credit inquiry on my husband and I. I was looking into refinancing opportunities but never authorized a credit inquiry from this company. I was on XXXX XXXX and a couple of other sites and gave my basic info only.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: IL

Complaint narrative:
I received a notification in my email that XXXX completed their investigation into my dispute of the following accounts File XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX - XXXX XXXX XXXXXXXX  XXXX - XXXX XXXX ; I have faxed this information and sent certified mail to both Equifax and XXXX in regard to these same accounts. I demand that XXXX and Equifax remove these items immediately. I have been advised by my attorney to file a complaint here prior to proceeding with a lawsuit. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I had a change of income and couldn't pay. Once I was I got put on a payment plan in XXXX till I realized that. I wasn't getting credit for my payments. It also was looking on XXXX XXXX like I wasn't making payments but I was to a collection agency. So I stopped pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
XXXX I opened a Chime account XX/XX/XXXX my direct deposit from my job was deposited to my Chime spending account. Amount was {$3100.00} XX/XX/XXXX my account was suspended. No notification XX/XX/XXXX I realized my account was suspended and called chime at which time they requested documents. Emailed documents. Email from Chime said Id get a response in 2-3 business days on account status. 
XX/XX/XXXX Called chime and was told Id hear back in no later than 24 hours XX/XX/XXXX Called Chime again after no response. Agent escalated issue and provided ticket #. Agent said there a 100 % chance Id hear back in 24 hours. 
XX/XX/XXXX Still no update Chime is holding over {$3000.00} and not communicating. 

During this time, my mortgage payment and my children 's tuition payment was rejected causing over {$100.00} in fees and bad marks on my credit. 

Can someone from look into this for me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I requested a modification which was approved. However it was reported late. Spoke to a supervisor whom stated that the late report was going to be removed. I got a notification however my credit score dropped over 100 points and has not shown an increase. The modification is inplace and I also made a XXXX dollar payment

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 2021-02-21 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: IL

Complaint narrative:
I received a notification in my email that XX/XX/XXXX completed their investigation into my dispute of the following accounts File XXXX XX/XX/XXXX - XXXX, XXXX XXXX - XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX ) ; I have faxed this information and sent certified mail to both Equifax and XX/XX/XXXXin regard to these same accounts. I demand that XX/XX/XXXX and Equifax remove these items immediately. I have been advised by my attorney to file a complaint here prior to proceeding with a lawsuit. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/2021 I check my credit report and it shows capital one bank usa did a inquiry XXXX XXXX I did not authorize this transaction had no idea of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have spoke with both the original creditor and the collection agency in regards to the debt. On the collection agency website it reflects a payment being made in XXXX but they are saying they only can see a payment was made but not for how much. That in itself is a discrepancy because if they are showing a payment then the balance should be reflecting a payment in any amount. On my credit report for XX/XX/XXXXit shows 2 payments for XXXX and for XXXX. In the amount of XXXX dollars in XXXX and the remaining balance in XXXX. When trying to clarify the debt XXXX XXXX was unable to verify when the debt was transferred only that it was at an agency. The collections agency said that the account was open in XXXX after the paid off amount to the creditor but still has a reflection of the XX/XX/XXXX payment but was unable to verify any further information in the amount they received. Finally, the collection agency is opened for XXXX dollars which is just about half of the original balance as I was only given a XXXX credit line so the account is being grossly overcharged. Finally the XX/XX/XXXX XXXX original creditor was deleted from my score, so it was my assumption the debt was settled. Neither the agency or the original creditor has been able to verify the amounts, payments, or days the account was transferred over and have yet to provide me valid proof of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: SC

Complaint narrative:
Since late XXXX I've been submitting letters to the major 3 credit bureaus after I was notified that personal my information was compromised. I also reached out to XXXX and XXXX XXXX. Transunion is the only CRA that I've had difficulty with getting the issues I have resolved. I've called, uploaded documents, and mailed letters certified. I've not had much success. When I called the number listed for the corporate office in PA, the call is always routed to call center outside the United States and no one is able to find my documents, or I do an over the phone dispute, wait 30 days and receive a generic response in the mail. If the other bureaus are able to remove the fraudulent and inaccurate accounts in question, why is transunion refusing too. I've submitted a notice of breach letter from XX/XX/XXXXpolice report, FTC affidavit, several CFPB complaints and various supporting documents. Please see the previous submissions below : XXXX Submitted to the CFPB on XX/XX/XXXX XXXX Submitted to the CFPB on XX/XX/XXXX XXXX Submitted to the CFPB 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 non-monetary relief