vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
On or about XX/XX/XXXX I received a second escrow analysis showing my mortgage payment dropping XXXX plus dollars. 

I called Freedom mortgage and tried to show them why the analysis was not correct explaining what my taxes are and even sending them copies of my property tax bills. They after doing a reanalysis said that I was not correct and that they did not make any error. 

While on the phone getting this answer in XXXX I had asked for my ACH ( auto payment ) to be updated and have the extra money XXXX or so dollars put into my escrow account. 

Sometime in XXXX I noticed that my mortgage auto payment had gone down to the incorrect amount leading me to go in and update the amount myself which began in XXXX or XXXX. 

Today I just received a new analysis stating I have a XXXX shortage and based on what they say my payment is going up XXXX a month to cover this.shortage so I called and spoke to a rep and they see all my notes from my previous conversations. 

My complaint is how can a call center REP see and understand the proof I showed as to why Freedom Mortgage made an error but the analysis people and those responsible for making the changes could not. At the end of the day it is the consumer that suffers because now I have to deal with the increased mortgagee amount which was caused by the mortgage companies neglagance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have reached out to the credit bureaus to inform them that the debt is no longer owed because of bankruptcy, and I will like for them to delete from my credit profile. Nothing was deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Banking account compromised stolen {$700.00} 4 credit cards open in my name XXXX. XXXX XXXX XXXX  opened XXXX XXXX. XXXX XXXX opened XXXX XXXX XXXX XXXX XXXX  open XXXX Actions taken by me : police report and charges pressed. Credit freeze on my social Case number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Banking account compromised stolen {$700.00} 4 credit cards open in my name XXXX. XXXXXXXX XXXX XXXX  opened XXXX XXXX. XXXX XXXX opened XXXX XXXX XXXX XXXX XXXX  open XXXX Actions taken by me : police report and charges pressed. Credit freeze on my social Case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I applied for the Chase Explorer MileagePlus card based on a direct mail promotion that required {$2000.00} in spend for XXXX bonus miles. Instead they gave me a different offer that required {$3000.00} in spend which I didn't meet in the time frame. I wasn't instantly approved, it took longer than expected to receive the card. 

I spoke with XXXX ( a supervisor ) on XXXX and she told me the request for adjustment would take XXXX  days or so. Took much longer to hear from them. It took until XX/XX/XXXX to receive the answer they would not meet the terms of the offer I applied for. 

I escalated to XXXX in XXXX, MO, her leader XXXX XXXX also in XXXX, MO and XXXX XXXX in XXXX complaints ( XXXX XXXX ) after receiving the letter. 

My invitation number was XXXX. I need to apply by XX/XX/2022, which I did. The code above my name XXXX Since I met the requirements for the offer I applied for, I am requesting that the bonus miles be applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC.
State: NV

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXXXXXX Acct # XXXX Previous Complaint # XXXX I am sending additional information regarding the monies stolen from me during this transaction. XXXX, the dollar amount was incorrect after going back over our Mortgage XXXX paperwork we discovered well above {$200000.00} was stolen. As stated in complaint : XXXX we place a contract on our current home XX/XX/2021 and closed XX/XX/2021 because of the lack of communication and staleing on the behalf of XXXX XXXX XXXX XXXX became very irrate when he was called of asked specific questions and because I chose to pay off Approximatly {$100000.00} in debt after we sold our home on XXXX XXXX XXXX XXXX in XXXX day in XX/XX/2021. We wrote the contract as a XXXX month rent back. 

However, we were kicked out of the home with a XXXX week notice because my realtor XXXX XXXX who became friends and business partners with XXXX XXXX was giving incorrect negative information to the purchasers of our home where we were renting. After examining thee Mortgagse summary we noticed only {$30000.00} of the gifts monies was on it howerver we also was gifted {$20000.00} were there is no documentation of it. 

Additionally, As I informed you we had to stay in a hotel XXXX for XXXX weeks on our dollar because of the failed lack of a contract or a interest rate being locke in XXXX XXXX locked the interest rate a day or XXXX before we closed. However, we were never asked if we agreed to buy down a high interest rate of XXXX XXXX to XXXX XXXX. After speaking with another mortgage broker and showing him my mortgage summary documents. I understand this was to be disclosed to us and we shoul have sign a document agreeing to a high rate interest rate. We didn'nt however XXXX XXXX and XXXX XXXX together put this entire scnerio together att to make us lose the home by giving us a sub-prime mortgage which has just been transfered the third time through financial institutions. 

We had to go to a hotel and the sellers allowed us to place our things in the new home garage because XXXX XXXX told them the loan was'nt going to close. We got this information directly frorm the sellers and the husband told me he threatened XXXX and cursed him out and have choose not to deal with him because he said he was a lyer and not on our side during our purchase. Food and hotel was approximatly {$4000.00} which needs to be added to the other stolen monies

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer privacy and confidentiality under 15 USC 1681. Account Name : XXXX & XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States i Have The Right To Privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Theses companies and accounts have been going against my rights and violation as a consumer this is unconstitutional I am asking that theses accounts be investigated and deleted off of my credit report immediately. I do Not owe theses debts and i am requesting a cease and desist immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I went online to Wells Fargo give my XXXX driver 's license information address security numberand date of birth and it couldn't confirm my identity. 

I think they're trying to XXXX me around because I'm an account way in the past and they're jacking me 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 2022-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
We were charged {$120.00} by Alaska XXXX for XXXX XXXX transaction on XXXX XXXX. 2022 even tho that transaction never went through and was refunded on XXXX XXXX on the same billing. the transaction did go through a couple weeks later and they are going to charge another 5 % next billing. we shouldn't have to pay XXXX for XXXX cash equivalent transaction.

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 2022-10-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Early XXXX - paid XXXX XXXXXXXX minimum payment. 
Early XXXX - consolidated all my bills through XXXX XXXX banking. 
XX/XX/XXXX - XXXXXXXX XXXX  sent Synchrony Bank a cashiers check of {$540.00}. Synchrony Bank cashed it. 
XXXX XXXX - XXXX XXXX switched credit card company from Synchrony Bank to XXXX. 
XX/XX/XXXX- XXXX is asking for proof of payment of {$500.00}. 
XX/XX/XXXX - sent proof of payment. 
XX/XX/XXXX- XXXX sends paper stating dispute is over with and have to pay. 
XX/XX/XXXX - Sent proof of payment again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: SC

Complaint narrative:
After extensive research I have become aware that your company is in direct violation of a number of federal and state laws including the FCRA, Fair Debt Collection Practices Act. Your company is in violation of Title 18 U.S. Code 1951, Interference with commerce by threats or XXXX and my XXXX amendment right to privacy. Im seeking immediate relief for the inaccuracies and damages caused by your company. Below is a list of accounts that your company has published WITHOUT my written consent Collections XXXX XXXX XXXX- {$460.00} XXXX XXXX XXXX- {$620.00} Inquiries XXXX XXXX ( Bank ) XX/XX/XXXX 2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
After extensive research I have become aware that your company is in direct violation of a number of federal and state laws including the FCRA, Fair Debt Collection Practices Act. Your company is in violation of Title 18 U.S. Code 1951, Interference with commerce by threats or XXXX and my XXXX amendment right to privacy. Im seeking immediate relief for the inaccuracies and damages caused by your company. Below is a list of accounts that your company has published WITHOUT my written consent Collections XXXX XXXX  LLC- {$460.00} XXXX XXXX XXXX- {$620.00} Inquiries XXXX XXXX ( Bank ) XX/XX/XXXX 2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I signed up for an account with XXXX, they asked me for information to start my account and then allowed me to collect sales. Once money was in the account they were supposed to " settle '' my account my direct depositing my earned funds into my business account. A couple of days after the deposit was not made I received an email stating that they could not verify my identity. I sent all the required documents and still no disbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
i openned an account at american express serve prepaid card adn had no activity and on XX/XX/2022 had a direct deposit of XXXX and recieved an email stating due to activity my account was closed because i violated customer agreement with activity date available was XX/XX/XXXX customer service phone number XXXX Transaction ID XXXX serve account card number XXXX XXXX XXXX i have been unable to resolve this with american express serve and feel that i was robbed and american express serve refuses to return my money after several attempts to reach customer service american express serve stated if i wanted to file a letter of indemity i can file a claim. i feel i shouldnt have to file a letter of indemity and simply get a check mailed to my home address mr XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, mass XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: VA

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no 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 non-monetary relief
Consumer complaint received 2022-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Ally XXXX XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 I reviewed my consumer report and noticed fraudulent inquiries. I reached out and contacted them about these inquiries and neither one can show me any authorization document where i authorized for them to run my consumer report. I need this removed as it is inaccurate and misleading information that has been damaging me constantly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
This complaint arises from incorrect reporting on my credit report. In the past XXXX years, XXXX XXXX has reported my account over 30 days late on XXXX different occasions. In XXXX of XXXX, a payment deferral was taken due to COVID, at that time the late payment was to be added on the back end of the loan. The next payment made in XXXX was made on-time, however XXXX XXXX inadvertenly put that payment towards principal only. From that point on, a late payment did accrue. There has never been a missed, nor a late payment on this account. Please see the attached payment history as well as the last 24 month statements. 

In XX/XX/XXXX I submitted a disput on Experian Credit and nothing was resolved. On XX/XX/XXXX I called XXXX XXXX to discuss the situation and it was discussed and reviewed that no payments were ever late.

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