vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-09 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: TX

Complaint narrative:
I'VE DISPUTED THESE ACCOUNTS AND THIS IS A VIOLATION THAT THE BUREAUS CONTINUE TO REPORT INACCURATE INFORMATION. THEY CLAIM ITS BEEN VERIFIED AND ACCURATE BUT HAVE NOT PROVIDED ME NO INFORMATION SAYING THIS ACCOUNT IS MINE. HOW CAN XXXX REMOVE THE ITEMS AND THE OTHER BUREAUS DOESN'T? THIS IS A VIOLATION BY ITSELF. REMOVE IMMEDIATELY. 
SEE ATTACHED :

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 2021-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
I filed a complaint previous about my mortgage payments not being processed or posted properly. Previous # XXXX, date XXXX. 
Since filing that complaint, Freedom Mortgage corrected my most recent payment by removing it from a principle payment to a monthly payment. However, they did not address the problem of missing {$490.00} that was posted in suspense, by their portal, it came back out of suspense but was never applied anywhere that I can see. My monthly statements show that only {$490.00} ( one payment of 2 I had made ) has been paid year to date, all other information on the statements are zeroes ( escrow, principle applied, interest etc.. ). I have contacted them numerous times and get spun in a circle every time. Have spoke to supervisors to no avail. Now, my credit report shows that I have not made a mortgage payment since XX/XX/2020. Freedom Mortgage says they do not report anything to the credit bureau for 60 days. I am ahead on my mortgage and have never been behind, so if it is on my report it must have come from Freedom Mortgage. 
Thanks for your help, my biggest concern is where is my {$490.00}, on my credit report it states last payment received by Freedom Mortgage was XXXX and where are my correct monthly accounts stated? As of now what I have now are receipts that say I paid XXXX and a company saying trust us it is ok on our end so don't worry. This is unacceptable. This notification on my credit report has now prevented me from being able to refinance my house through a conventional lender or use the FHA streamline program. Wish I knew how to fix this.

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 2021-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reviewing my updated letters from the reporting agencies, they have not removed my unauthorized inquires when I specifically stated it violated the law. FCRA 15 U.S.C 1681b states they must have a permissible purpose. Yet they have shown proof of the unauthorized inquiry. This has been stressful. The last time I submitted a complaint they stated it was it wasn't authorized so I'm complaining again. They are saying that to stall. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all the documents that they have recorded and retained in their file, and they have not done that. This is my second time disputing and filing a complaint about the information that is unauthorized. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). I can not wait for another 30 to 45 days to get these items removed. Please help! Please don't say this isn't me filing the complaint!

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 2021-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX  Reviewing my updated letters from the reporting agencies, they have not removed my unauthorized inquires when I specifically stated it violated the law. FCRA 15 U.S.C 1681b states they must have a permissible purpose. Yet they have shown proof of the unauthorized inquiry. This has been stressful. The last time I submitted a complaint they stated it was it wasn't authorized so I'm complaining again. They are saying that to stall. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all the documents that they have recorded and retained in their file, and they have not done that. This is my second time disputing and filing a complaint about the information that is unauthorized. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). I can not wait for another 30 to 45 days to get these items removed. Please help! Please don't say this isn't me filing the complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: WI

Complaint narrative:
I traded this vehicle in for another. This vehicle is paid, not active and I don't own it any more.

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 2021-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC
State: NV

Complaint narrative:
In XXXX of 2016 I was involve in a motor vehicle accident. Was transported by ambulance to the hospital. This bill is a result of that ambulance ride, from that medical transport company. I ended up having the accident handled by personal injury attorney. That attorney settled the matter without my knowledge, keeping all but {$380.00} and did not pay ANY of the medical providers in question. This bill included. Leaving me with almost $ XXXX in medical debt. The attorney was suspended by the XXXX XXXXXXXX XXXX XXXX due to actions of misappropriation of client funds. The investigator handling my matter indicated to me that this amongst all of my medical liens are part of his {$5.00} XXXX in restitution. I provided the collection agency the supporting documentation that I am including with my complaint. They not only refuse to remove the collection from my credit, but are enforcing the debt, but charging 3 % daily interest on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My Husband and I have been receiving separate Bank Statements to our home from Bank of America, The account is a Adv SafeBalance Banking Account. I don't know if this is a checking or saving account, but neither of us opened any account with BOA, nor do we have any other account with BOA. We did not authorize these Bank accounts and want to know how they got opened. My Husband had to go through three avenues to resolve and rid his account providing personal information to BOA personnel 3 times to finally get his account closed. I just received my 3rd statement and it has service fees. I want this account closed, deleted, removed and my name taken off any list with BOA. There is XXXX balance other than 2 service fees of {$4.00} each month. 
I don't want to go through a fraud report with BOA which my husband was sent to fill out. I don't want to call and be asked a PIN number so BOA can access my account on the phone. " An account I didn't open, so how can I have a PIN number ''? HELP!

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 2021-02-09 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: VA

Complaint narrative:
I have been trying to dispute negative and inaccurate items on my credit report with all 3 bureaus for over 50 days now. I have not gotten a response from any of the three. I have sent multiple letters off to each of them. Even providing facts and quoting laws and codes from the FDCPA. It has been 59 days now and I have not heard anything from these bureaus or seen any changes to my credit report. This is wrong and unlawful. I am demanding the negative accounts and information be deleted from my credit report. You will see all of the inaccurate accounts in the letters I have attached. The bureaus are violating FDCPA section 807. They have also failed to respond or investigate my disputes within a timely manner. This behavior is completely unacceptable. It is restricting my family and I from living our life comfortably.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I recently opened an account with your company which is now closed. I like many of your other customers are independent contractors. I was given the opportunity to apply for the government 's aid PPP. However I was using a mobile bank and I was required to have a bank on the lenders list so I picked you all. After receiving my funding into the account the account was closed. I was told by my lender and the SBA that independent contractors did not need a business account to apply for the loan. When I speak to your customer service reps they wont tell me whats going on. I am a XXXX and XXXX driver. This pandemic has been hard on me since its so dangerous to drive others around without risking XXXX. The SBA PPP was saving myself and my family. 

The amount in question is {$16000.00}

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 explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA
State: AL

Complaint narrative:
FedLoan Servicing is indicating, through their website, that I have a payment past due on a federal student loan when payment upon such loans is suspended until at least XXXX XXXX, 2021. 

FedLoan 's banner message alleges my loan payment is two days past due. 

I know that's not correct ( and possibly illegal under the FDCPA ), but how many borrowers are relying on the information being provided to them by their loan servicer as to when they have to make payments?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MO

Complaint narrative:
I have not supplied proof under doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX, XXXX I presumed that no proof, nor therefore any such debt, in fact exist with account CREDENCE RESOURCE MANA, XXXX XXXX  for {$1400.00}, Account # XXXX. Under the FCRA, unverifiable account must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed. XXXX has removed account on XX/XX/2021 from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Some thief stole my prepaid card number and my PIN, and using a duplicate card withdrew {$980.00} from my account on XX/XX/2021. Withdrew {$1000.00} from the account on XX/XX/2021. And withdrew {$1000.00} from the account on XX/XX/2021. 

The card holder agreement clearly states that when fraud is reported the the account holder will not be liable for losses. Instead, Bank of America is not only refusing to compensate me for this fraud, but has frozen my account and seized all the money I have, making it impossible to pay any bills. 

I have filed a police report for the money stolen, and have asked Bank of America to review the pictures from the ATM machine of the person who stole my money. I hope they will give these pictures to my local police department and the FBI. I require help getting BofA to return my money to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am unable to see my updated Experian Credit Score, That i am paying for monthly starting XXXX. The money is taken away monthly. But i can not view my credit score. I can not do anything because of the error. 


Experian is not updating my credit score FCRA Violations- Update my credit score.

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 2021-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX sent me a letter on denial of Payment Extension on my Auto Loan. 
I didn't authorize or Consent Financial Institution to pull my credit without my consent for a Payment Extensions. 

Why did XXXX XXXX pulled my XXXX, Transunion and XXXX credit reports for a Monthly Payments Extensions? 
XXXX XXXX doesn't have the right to pull my credit for monthly payments Extension. 
Why did XXXX, Transunion and XXXX  allowed this Federal Violations.? 

This is a Discrimination and Retaliation against me as a XXXX XXXX  American and my XXXX status I am XXXX Lifetime and a XXXX XXXX XXXX XXXX XXXX. 

My XXXX XXXX XXXX XXXX XXXX Department of Justice has been violated by XXXX, Transunion and XXXX. 

Covid19 Pandemic is affecting many Military Veterans and all Citizens in the Community in California and America and around the World. 
With Honor and Respect Always. 
This is a Urgent Matters!

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 2021-02-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX sent me a letter on denial of Payment Extension on my Auto Loan. 
I didn't authorize or Consent Financial Institution to pull my credit without my consent for a Payment Extensions. 

Why did XXXX XXXX pulled my XXXX, XXXX  and Equifax credit reports for a Monthly Payments Extensions? 
XXXX XXXX doesn't have the right to pull my credit for monthly payments Extension. 
Why did XXXX, XXXX  and Equifax allowed this Federal Violations.? 

This is a Discrimination and Retaliation against me as a XXXX XXXX  American and my XXXX status I am XXXX Lifetime and a XXXX XXXX XXXX XXXX XXXX. 

My XXXX XXXX XXXX XXXX XXXX Department of Justice has been violated by XXXX, XXXX  and Equifax. 

Covid19 Pandemic is affecting many Military Veterans and all Citizens in the Community in California and America and around the World. 
With Honor and Respect Always. 
This is a Urgent Matters!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I logged in to my account on chase.com XX/XX/2021, followed all instructions and provided all requested information ( including verification ) and made wire transfer to XXXX XXXX XXXX hours later I received a email from Chase.com on XX/XX/2021 informing me that my wire transfer had been cancelled. On XX/XX/2021 I called the number provided in email from chase.com, as instructed, to prevent further restrictions on my account. I spoke with chase customer service reps who claim to be in US, but also claim they are unable to fix the problem, instruct me that I need to go to branch location and speak with someone in person. I was transferring, by wire, {$220.00} to XXXX ( a cryptocurrency company that does business with chase and provides specific instructions as how to transfer money specifically from a chase bank account. I was transferring money to purchase XXXX. While I have been trying to regain access to my chase.com bank account, which has been restricted due to the wire transfer being cancelled by chase, the price of XXXX has risen, which in turn has reduced the profit I would have made had I been able to access my funds thru chase. Now I am being made to wait additional fays and the price of XXXX continues to rise. Chase bank has prohibited my investment and has caused me monetary losses due to this. This should not have happened after I successfully completed verification and all required wire transfer steps requested of me by chase.com. I would like to sue chase bank in small claims court for loss of income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
I do not know and have never had any business transactions with the company Portfolio.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Point Financial Corporation
State: NC

Complaint narrative:
Applied with my mortgage holder ( Home Point Financial ) to refi current 30years@ 5.5 % mortgage. Initially was told by loan officer I qualified for a 15 yrs@ 2.49 % streamline refi based on credit, income and payment history. Send me some paperwork to fill up and send back. The loan officer was not one to keep me up to date with status and what not, so for months I had to call her every so often for updates. Last time I spoke to her she checked my file and said the underwriters were asking for something she wasn't quite sure what it was and she would get back with me. Never heard back from her since, called her a few times, goes straight to her voicemail, left voice message never got a call back. Then About a week ago got a letter saying my application was denied based on payment history. I always pay, not exactly on the due date, but within the 15 days grace period, never a late fee assessed ( so in assuming in not late ) and always pay more than is due ( mortgage is {$1500.00} I always pay {$1600.00} ) the only time I ever had an issue with billing and payments and what not, was my very first payment over 2 yrs ago they took a double payment ( {$3400.00} ) from my account I contacted them and my bank and they have to return half that withdrawal ( {$1700.00} ) they assessed a late payment fee then, even though there was no late payment but a double withdrawal on their part. They recently removed that fee " as a one time courtesy '' ( which I protested as I was not asking for a courtesy but for them to correct their error ) other than that I don't understand the reason for their denial and was not offered recourse or appeal choice in the letter received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
South west credit systems XXXX stated that owe an amount already paid to XXXX  there is no exchange for amount or consideration. There is no loan and should not be inferred. XXXX  has all equipment in possession yet expected again to show reception and I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
Insurance company has my name for an account that isnt my account. 

Company is Harrasing me and has this incorrect information on My credit reports : XXXX XXXX XXXX XXXX  Incorrect information is impacting my credit score.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation