vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-03 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: Verisk Analytics Inc
State: OH

Complaint narrative:
Calling constantly. I called back after a robocall to explain I only get {$550.00} per month on SSI. My health mental and physical health are being affected adversely by this continued DAILY XXXX. I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX by stress, & severe currently untreated XXXX XXXX XXXX I explained I made No debts or signed anything obligating me to pay them, esignature or manual with their company. Therefore owed them nothing. I had to look them up on reverse dialer yo learn who they were, so I could plead a cessation to the constant calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I submitted a mortgage application to U.S. Bank in XX/XX/XXXX to refinance my home, and paid an application fee of {$390.00}. As of XX/XX/XXXX, US Bank was still requesting updated versions of documents that had previously been provided ; as well as documents that aren't possible to obtain. Example : They requested a " bank statement '' to cover a period that ended in the middle of a month. Actual statements are only available following the end of the month period, so I provided a month-to-date transaction report. 
I believe that the persons handling my loan application were incompetent, and the firm as a whole was too busy to actually process my loan, since my approval kept expiring - thus the reason I would have to provide updated documentation. 
I stopped the process in XXXX and requested a refund of my {$390.00} application fee in XX/XX/XXXX. I believe my application was not accepted in good faith and would never have been completed. 
The Loan Assistant XXXX XXXX has responded by email on three different occasions stating that she is working on my request for a refund, but nothing has happened despite my many follow ups.

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 2021-09-03 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: MA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: MN

Complaint narrative:
I have a loan with CMG Financial and they collected {$320.00} monthly in escrow for taxes and insurance based on what my taxes were at closing. I am a 100 % permanent and total XXXX veteran so am exempt from the property taxes. The actual tax bill was {$66.00} for the year which CMG paid in XX/XX/XXXX. I requested an escrow analysis but they would not do it until a year into the loan. The insurance was due XX/XX/XXXX and they paid {$1400.00}. They issued me a {$830.00} escrow refund on XX/XX/XXXX. I have called them several times over the last 3 weeks and they are insisting on holding enough funds in escrow for {$2400.00} in taxes for next year. I sent them the letter from the county stating I receive a 100 % reduction in my property taxes. It says on my online account that my payment is going to go up by {$7.00} on XX/XX/XXXX because my homeowners insurance did go up. It should be going down because of the actual tax amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: MA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: GA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I submitted an FTC Identity Theft Report # XXXX on XX/XX/2021. I sent a copy of my FTC report, an identity verification document, as well as a cover letter with my current address and all of the information that is fraudulently on my report to Equifax Information Services LLC ( all supporting documents are attached below ). This report along with all other information listed in the attachments below were sent certified mail to Equifax on XX/XX/2021, and was received by them on XX/XX/2021. There are accounts, addresses, inquires, and employers listed on my credit report that are fraudulent, have ruined my reputation, and have hindered me from obtaining certain goods and services to support my family. Pursuant of the Fair Credit Reporting Act, section 605B, Equifax is required to block the fraudulent information on my credit report resulting from identity theft within four business days of receipt and to promptly notify the furnisher ( s ) of that information.I spoke on the phone with a representative of Equifax who, after verifying my identity and acknowledging receipt of my FTC report, stated that the addresses and inquires would be removed, however the fraudulent accounts would not be removed until an investigation was completed. I also received a letter in the mail from Equifax ( EXHIBIT A attached below ) stating they could not find my credit file in their system with the information I provided- which is contrary to what I was told by their representative over the phone. In the same envelope was another letter ( EXHIBIT B attached below ) from them stating they will not be blocking any information in my credit file, although the previous letter stated they could not identify my credit file. Equifax has violated my rights and federal law with their unscrupulous business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I moved to an luxury apartment in XXXX. This apartment complex had an agreement with XXXX  for all residents so I could not continue service with XXXX. I contacted XXXX and after receiving a bill for early termination of {$160.00}. After some back and forth, XXXX sent me an email dated XX/XX/XXXX at XXXX XXXX  stating they would credit my account for the early termination fee ( which I have submitted to all parties, Experian, XXXX and XXXX XXXX who charged me {$340.00} deposit because of XXXX  negative report on Experian. On XX/XX/XXXX, I received an email from Experian that they closed my account stating the creditor disagrees. There is nothing to disagree with as I have DOCUMENTATION ; there was no other information or explanation. I have excellent credit and never checked Experian so was unaware of XXXX  negative reports for the past year until I moved to Florida and applied for electric services.

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 2021-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
This number keeps calling about a family member that does not even live with me. After repeatedly telling them they do not live with me, they continue to call and call all of my other relatives. It is predatory and must stop!!! They are calling on some made up charge for the wrong person even.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
In XX/XX/2021 I mistakenly missed a payment. So in XX/XX/2021 I received a bill for a balance of {$64.00} and a minimum of {$41.00} with a due date of XX/XX/2021 to be 30 days late. I immediately paid the {$64.00} on XX/XX/2021 with a balance paid in full. Then on XX/XX/2021 the company charged me {$2.00} stating it was interest charges for the account. I did not realize as the account was paid in full prior to due date. Then they charged me more fees in the month of XXXX, XXXX and XXXX. It wasnt until I realized in XXXX with a balance of {$30.00} for bogus interest fees and late fees did I realize that they were applying fees to a XXXX account balance. I immediately called them and they stated that the original {$2.00} fee was for interest on XXXX. I kept asking how that was possible since they issued a bill in XXXX with a balance of {$64.00} and it was added after the cycle ended on the XXXX as stated by them. They refused to help me. Even after the statement stated that if I paid in full my balance would be XXXX. They just kept saying my late payment was for XXXX on my credit report, and that the original {$2.00} which has completely messed up my cc report and payment history was for XXXX. How do you accrue interest when a statement has the interest charges included.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-03 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: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: NY

Complaint narrative:
I paid off all balances on my credit cards first week of XXXX. Now it's XX/XX/XXXX and some of the balances are still showing on my reports. I've contacted both the Credit reporting agencies, submitted disputes and still nothing.

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 2021-09-03 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: NY

Complaint narrative:
I paid off all balances on my credit cards first week of XXXX. Now it's XX/XX/XXXX and some of the balances are still showing on my reports. I've contacted both the Credit reporting agencies, submitted disputes and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I had my business debit card stolen and reported it immediately within just a few days from the date of the transactions. As soon as I noticed that it was stolen I reported it to the bank.

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 2021-09-03 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later i have not received a response yet. I feel like i'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Factual Date - Fifth Third Bank I didn't authorize on my credit report this inquiry. XXXX XXXX XXXX I didn't authorize this inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
Ncb Management Servi showed up on my credit report several months ago. I do not know this company or the so called debt they say I owe, even though it says XXXX dollars on my credit report. I have sent them many letters asking for the removal of this account on all three credit bureaus. There is no account number associated with this account. My mailbox has been broken into many times and I have reported several fraudulent accounts on my credit report. I would like this company to delete this account from all 3 credit bureaus to rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime Bank abruptly closed my checking account yesterday with no explanation and without giving me a chance to withdraw my funds which totalled {$5700.00}. I can not access my account any more. Access has been blocked. They won't even talk to me. I want my hard-earned money. They are stealing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
I closed my loan and refinanced with this mortgage company 3 months ago, I still haven't received my signed documents. In addition the mortgage servicing company can not display my new loan information or provide me with an avenue to pay my mortgage online. Lastly I recently received a letter from my Home Insurance company stating my payment wasn't paid, even though I have been consistently paying my mortgage on time every month. When i called CMG 's customer service line they indicated the payment wasn't paid, and the number they had was different, but regardless they still didn't pay it on time.

When speaking to their customer service hotline I ended up speaking to 5 different people, because no one would take responsibility and kept transferring me to a different group, when asked to speak to a manager they put me back in the main queue where i had to do the prompts again to get back to the customer care group. Their service was VERY sub par and the fact that they aren't paying my insurance on time is frustrating. 

Refinanced mortgage on XX/XX/21 - as of today XX/XX/21 the online portal still shows loan paid in full from previous mortgage and no new information. 

Home Insurance was due XX/XX/21, at {$370.00} when speaking to their rep today they said the payment was set as {$350.00}, but indicated it wasn't paid. 

On XX/XX/21 I called asking " XXXX '' about when the portal will be available to pay online and review my documents. She said it would be ready by XX/XX/21 60 days from when my mortgage closed. As of today XX/XX/21 nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
XXXX XXXX  is who we were with until XX/XX/2021 that's when we got our notification in the mail that they were selling our Mortgage to Freedom Mortgage starting on or effective by XX/XX/2021 Freedom Mortgage will become our new service provider of our Mortgage. I have tried and tried to call and get a new Account number to pay our Mortgage and they say they don't have one for us yet. And that it could take awhile to get us one. NO NO that doesn't work for us. Both of these Mortgage Companies are breaking Laws Period. First we Never got a reasonable notice of transfer of our Mortgage with Homepoint under 15 days Not Legal at all. and then our new Mortgage Company Freedom doesn't want to give us a new account number so we can pay our XXXX 's Mortgage payment now. They said it could take awhile to get into the system No Way can this be Legal to Not Take a Payment from a New Customer or to Not provide us with a new Account number at all is it? How come wee can't pay on our Mortgage Now or even get an account number from Freedom Mortgage at all? 
In 12 days they could show us as we payed Late. We have NEVER paid Late. In fact our Mortgage has always been taken out Auto pay on the XXXX day of the month for 10 years. 
They will not give us an opportunity to pay on our Mortgage at all. Please HELP us in this matter in anyway possible to get resolved. Thank you.

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 2021-09-03 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: Nelnet, Inc.
State: TX

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft DEPT OF ED/NELNET Account Number : XXXX This is not mine. 

2. Identity Theft DEPT OF ED/NELNET Account Number : XXXX This is not mine. 

3. Identity Theft DEPT OF ED/NELNET Account Number : XXXX This is not mine. 

4. Identity Theft DEPT OF ED/NELNET Account Number : XXXX This is not mine. 

5. Identity Theft DEPT OF ED/NELNET Account Number : XXXX This is not mine. 

6. Identity Theft DEPT OF ED/NELNET Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2021 I purchased two XXXX gift cards with a sum totaling {$250.00}. 
Immediatly after purchase, when I tried to apply the gift cards to my account, I received an error message stating that the cards contained a balance of {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03 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: NC

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: AL

Complaint narrative:
Per my divorce decree order on XX/XX/XXXX, my spouse was ordered to refinance into her name the vehicle listed of XXXX XXXX XXXX within one year of our divorce. The vehicle is still being reported as late on my credit record and continuing to affect my creditworthiness. Amount due currently reporting on my credit record is {$10000.00}. I have been unable to resolve this issue with creditor and credit bureaus.

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