vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
My Insurance company sent me a check for disaster repairs from storm damages. The check was made out to myself as well as needing endorsement from the mortgage company. The check was very clearly labeled as " For deposit only onto actt XXXX  ''. My checking account. The mortgage company decided to seize the deposits and hold them from me in their account stating that it's because the loan was delinquent. At the time I sent them the check for endorsement, my mortgage was paid in full and not delinquent. They just decided to steal my insurance 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 2023-11-26 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit report immediately. I am attaching proof that XXXX had admitted that I was in fact a victim of this breach, and have done nothing to rectify the situation. Please help me remove the illegal account reportings from my credit report. 

XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  XXXX XXXX XXXX Acct XXXX XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX  Acct # XXXX  XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX  acct # XXXX XXXX/ XXXX XXXX Acct # XXXX I am requesting that these late payments and accounts be deleted from my 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 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I reached out to XXXX XXXX and I asked for a full review of the file are a copy of the information that's being reported on my credit report and I did not get a response I also shared with them I am a victim of identity theft since XXXX.My family & I experience a disaster Hurricane XXXX XXXX XXXX was the worst day of my life losing everything I owed even my identity. I sent in a copy of my police report to XXXX Equifax XXXX XXXX years ago to let them know my identity was stolen. This year I had to file another fraud claim of identity theft because of someone used my information. please remove this negative account off of my credit report. This is the second police report I had to file I am attaching a copy below thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
On XX/XX/2023. A loan was taken out in my name and I received inadequate information that lead me in a binding contract of conflict of interest with the service address and mailing address. Also a breach of security concerns with ACA credit lenders. On the above date ACA. Had XXXX pull my bank statements from there computer and would not accept legitimate documents from my financial branch, which put my identity and finances at risk. Which lead my credit to decline because of inadequate information...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX  received email notification that 2 Venmo transfers were made each in the amount of {$300.00} and the funds for the transfers were debited from my associated XXXX XXXX  checking account. My Venmo phone app confirmed this information too. I did not authorize either transfer. One of the transfers was to a friend on my " Venmo Friends List '' the other was to someone I do not know. I called my friend and he did in fact receive this unsolicited transfer of {$300.00}. I called Venmo customer support and reported the fraud and was told an investigation ( # XXXX ) would be done. A few days later, I received an email from a Venmo " account specialist '' indicating that their investigation determined that the 2 transfers were " not unauthorized '' and my claim was denied. I called Venmo customer support wishing to speak with this account specialist or anyone in their fraud department to ask question about just how this investigation was done. I was informed that the account specialist team members conducting these investigations will only communicate with customers by email. I responded to the email asking for the document ( s ) used to conduct their investigation. After more calls to customer support and additional emails, I was finally sent a document ( attached ) that seemed to prove the transfers should be deemed, at the very least, suspicious. The doc showed previous authorized transfers coming from one device from a location listed as " XXXX XXXX, NJ, XXXX ''. The two fraudulent transfers came from a different device number and lists the location as only " US ''. Most importantly, the time of the transfers was listed as XXXX XXXX  for both. I subsequently learned from yet another customer service rep that the transfers actually came within 5 SECONDS of each other which she agreed was improbable and likely due to a " glitch '' in their system. Yet, I still am unable to speak with any " account specialist '' and I believe this is done deliberately to thwart any reasonable fraud claims.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Guild Holdings Company
State: OR

Complaint narrative:
Guild mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I as a single mother with steady income, steady household income have been denied due to not having credit scores over XXXX. For FHA loans on all government websites it clearly states these loans are specifically designed to help people like me with less than average credit scores or marks on their credit. These loans are being used for people who have higher credit and are being told all credit marks on their reports must be remedied prior to loan acceptance. If I had a perfect credit score or credit profile I would not be looking to obtain a government backed loan. No banks are offering the XXXX credit limit as disclosed as a requirement for the FHA loan, rather asking for XXXX or above. I have attempted through multiple lenders and now my family is at risk for homelessness due to the loan system. I have the ability to pay, I am currently paying and have the ability to pay all future payments. I am being told with a monthly household income of over XXXX after taxes my household does not make enough money. I feel I have been discriminated on as when working with guild mortgage my lender contacted my real estate agent and notified him I was unable to obtain any loan and would not be capable of obtaining any loan. This has greatly affected my ability find and secure housing for my family. If government backed loans are specifically made for lower income, lower standard individuals like myself ( single mother households ) why these loans not being provided to individuals such as myself to remedy homelessness or the chance of. Where go? Who do we turn to? Do we just accept homelessness? There has to be someone who lends based on government standards set in place rather than making their own standards and denials based on poor credit scores when clearly the minimum score has been set at XXXX. Can you please direct me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Chime Financial Inc
State: MD

Complaint narrative:
Well someone stole my card and was taking money out at a atm because I had my pin # on the back of the card so I reported my card stolen and tried to dispute the transactions so they gave me my money back but then shut down my account with them and that messed up my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Seven ( 7 ) years ago ( XXXX ), I purchased a monthly subscription to a cloud-based software program, XXXX XXXX. I used a CapitalOne credit card ( ending XXXX ). The creator of the software program abandoned his project shortly after. The Capital One credit card expired on XX/XX/XXXX. 

The creator of the software ( XXXX XXXX, XXXX ) apparently resurrected the project and used old and expired data to send invoices to 7-year-old customers ... during the night, no less. When I opened my email on XX/XX/XXXX, I discovered an invoice and charge for {$110.00} to my current CapitalOne credit card. Despite the credit card being closed four years ago, Capital One linked this business 's current activity/charge to my CURRENT ACTIVE CREDIT CARD! 

Capital One 's policy for allowing outdated activities seems to expose consumers to a substantial RISK of fraud. Banks should be subject to some form of statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit 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: CA

Complaint narrative:
Yesterday, XX/XX/25, I was notified that my last standing AMEX account was closed effective immediately. 

They immediately forfeited my XXXX membership rewards points. I hopped on live chat immediately and began inquiring into this matter. They refused to reinstate my account or my points and told me to pound sand essentially robbing me of {$1200.00}. I transferred these points, after thorough confirmation from live chat previously, numerous times, from my XXXX card which I cancelled on XX/XX/XXXX. I funded the account that day with these rewards points. 

They are refusing to reinstate and will not give me my points. I want my points. Thats it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Someone has attempted to fraudulently use my social security number open credit card accounts without my knowledge or consent. I kindly request that all credit bureaus take immediate action to remove all inquiries associated with these fraudulent attempts. All 3 credit bureaus- please scroll and look for your company 's inquiries. 

EXPERIAN -- -- -- -- - 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 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 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 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 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 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 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 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 2023-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
According to the CITI bank website ( screenshot attached ), I can receive a {$1000.00} bonus for opening a new checking account while maintaining a {$75000.00} balance for 60 days. To ensure the promotion can be applied correctly, I opened an account at the CITI Bank branch at XXXX XXXX XXXXXXXX XXXX XXXX NY, so that the process can be taken care of by a professional banker. I opened an account with CITI banber XXXX XXXX. I deposited {$75000.00} into the account on XX/XX/2023, maintained it for XXXX days, called CITI banker confirmed already met all the requirements for the bonus, and transferred out on XX/XX/XXXX ( screenshot attached ). However, the bonus was never delivered to me and XXXX said I was not eligible when I asked him again ( email attached ). I am not able to resolve this with local CITI banker XXXX XXXX, or CITI online chat.

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 2023-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
{$5000.00} was removed from my Chase personal account without my knowledge or authority. There were then XXXX XXXX transactions ( all unauthorized ) out of the account. XXXX have been reversed by the bank ; the other XXXX have not. All three of the unreversed charges were to " XXXX XXXX ''. I called Chase when there was XXXX transaction to " XXXX XXXX '' and XXXX others. The XXXX others were reversed. Subsequently, after I had already told Chase I had not authorized any transactions to XXXX, they paid XXXX more XXXX transactions to him and have refused to reverse the XXXX unauthorized XXXX transactions to XXXX in the amounts of {$2000.00} ; XXXX ; and {$1400.00}. I had never sent any XXXX out of that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: KY

Complaint narrative:
In XX/XX/2023 our loan was sold to Lakeview Loan care. Once they took over they raised our bill {$500.00} saying it was an escrow and insurance issue. I just don't understand how they can legally do this. Our loan was set to the amount we could afford not this!!! We went and looked at their reviews and XXXX of their customers said they did the same thing to them. I feel like we are all getting scammed. Please look into 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 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I noticed unauthorized payments, specifically the consecutive months of XXXX XXXX, on my subsidized student loan I acquired was advised that I would be granted a financial plan to keep the loan paused during the time frame Ive listed above. 4 years later these payments are showing financial institutions that Im not worthy enough to start business & interact with them, let alone get forms of checking and saving accounts with them. due to FCRA laws protecting my credit profile, Im requesting the payments be validated across all three bureaus. Im also requesting to have the remarks listed on my credit removed & brought back into good standing. Thanks have a great week, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX, I was on the phone for 2 hours trying to reapply for forbearance and was put on hold multiple times. The rep said she was putting me on hold discussing with a manager how to finalize. After 2 hours, the phone disconnected and nobody ever called me back so I have no update regarding my forbearance plan if approved or not and also therefore, I do not know that if not approved as to whether I am in default or not. 

Since XX/XX/XXXX, I have called multiple times in attempts to speak to a representative. Each time, I can never connect to a person. The automated system appears to be set up to never be able to speak to a live person. On a few of the attempts when I thought a person would answer, my call was immediately dropped. 

I have also received regular calls from Rushmore from an automated number with an automated message saying I need to make payments and to call the number in which is the same number that has called me. 

This company is operating extremely unprofessionally and risking me being in default of my mortgage. 

I also can not make any payments online as in order for me to access my account per the website, I am instructed to call in. 

I need immediate answers and a resolution for these issues as to status of my forbearance, default status, account access and contact with a human being. 

Rushmore has claimed that there is a 60 day waiting period due to switching services but I have been serviced by Rushmore for years which is also not true and has nothing to do with me never being able to make contact with this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I am trying to settle old debts and improve my credit score. On XX/XX/XXXX my credit score was XXXX... up XXXX points since XXXX. I contacted XXXX XXXX about settling a closed account with a balance of {$1100.00}. I was given a settlement amount of {$770.00} on XXXX. After making this payment the agreement was that " XXXX XXXX will report your account settled with a XXXX balance ''. I paid XXXX {$770.00} on XXXX. On XXXX XXXX, I checked to see if my settlement had been reported and recorded on XXXX XXXX. My credit score was reduced to XXXX. Equifax had updated my Status for this XXXX account to Charge off, balance to {$410.00}, Available credit to ( negative ) - {$410.00} and charged off account closed by creditor. It appeared to me that the {$770.00} settlement payment was applied as a partial payment which created a new {$410.00} balance and initiated a drop in my credit score of XXXX points. On XX/XX/2023 I checked to see my score was changed to XXXX and said it was down XXXX ponts from XXXX. XXXX and XXXX also posted a change in my credit score but after contacting them it appeared that the change was because of the way the payment was reported. After disputing the credit scores XXXX has corected my score and it is now XXXX. XXXX has corrected my score and it is now XXXX. After three disputes, Equifax refuses to acknowledge that an error in reporting has occured. I have disputed the score several times. I simplified my third credit score dispute to simply explain why my credit score dropped XXXX points after the XXXX XXXX payment was made. The dispute says that it has been completed but there are no results. I believe that XXXX XXXX reports this way to further punish the creditor who is trying to correct past mistakes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After reviewing my TransUnion Credit Report I noticed there is a XXXX  XXXX & XXXX Bankruptcy reporting. XX/XX/2023 I mailed a Certified disputed letter and a copy of a letter from the XXXX XXXX stating that, the XXXX XXXX do not report, verify or validate information from a consumer credit files to the Credit Bureau. 
XX/XX/2023 I received a update from TransUnion stating that, no changes will be made. I have yet to receive documents explaining how this information was verified and by whom. The reporting requirements do not comply with FCRA Law.

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 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc
State: AR

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Affirm has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation