vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Better Mortgage, Inc.
State: NC

Complaint narrative:
this is my 2nd complain to same matter. my previous complain number XXXX where Better mortgage accepted that error occurred anf they fixed it on XXXX XXXX but issue is not fixed and better mortgage is not giving me loan based on same issue. 

If issue is resolved then give me loan please? XXXX XXXX  or better mortgage should give me loan immediately as both are responsible for my credit mess and better mortgage accepted fault. But XXXX  XXXX  always lie on this portal and run away from situation. 
I am attaching XXXX XXXX letter where XXXX XXXX has said they never reported late payment in complain # XXXX where XXXX XXXX never reported late payment then how XXXX  report shows late payment. who is lying XXXX  or XXXX XXXX I have been been telling in all complain that XXXX XXXX is lying. 
SO either XXXX  is lying or XXXX XXXX is lying because my credit report says late payment and no one giving me loan including XXXX XXXX better mortgage. I am attaching XXXX XXXX  loan XXXX email copy where XXXX XXXX is declining loan. whoe 's fault it is. Better mortgage has accepted fault but XXXX XXXX kept on lying and declining my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Access my account and was breached

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 2021-08-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
On XX/XX/XXXX of this year I received a letter from Freedom Mortgage stating that I had a lapse in my homeowners insurance, and that they had purchased insurance to cover the gap. After speaking with my inurance, they confirmed that the policy had not been paid, and Freedom Mortgage was not listed as the mortgage company on the account. Freedom Mortgage representatives in their insurance department argued it was not their responsibility to change the insurance information when they purchase a mortgage. Their Director of customer service seems to think it was their responsibility in the attached email. However, I also refinanced less than 4 months prior to this incident, which probably should have prompted a review of the insurance information. 

Bottom line is my payment was not made on time by Freedom Mortgage and they purchased force placed insurance for my mortgage. It would appear, based on 12 CFR 1024.17 that their actions are in violation of the law. It clearly states that Freedom Mortgage is responsible for making timely payments, and can only purchase force placed insurance if they believe that the property has been abandoned or the policy was cancelled for a reason other than non-payment. 

In my communication with their director of customer service, XXXX XXXX, I informed him they were in violation, and requested they report themselves for this infraction. He declined. 

It would appear these are standard practices for Freedom Mortgage, so I can only assume they have violated this law on a broad scale. Please investigate and prosecute these infractions to the fullest extent of the law. 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 2021-08-12 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: FL

Complaint narrative:
I am a victim of ID theft and credit reporting agencies are making it difficult to clear data inquiries and freeze reports. Though my personal information does not match my current information, they are misusing my information and providing my information to fraudulent applications. 
On XX/XX/2021, I received approximately XXXX payday and personal loan inquiries. I immediately call the 3 major bureau and I was referred to the company the placed the hard inquiry I have letters/email replies that there investigation shows I am a victim of fraud and they are cancelling application and sending it to the credit bureau. I have spent hours working through all this false applications. I called XXXX  after a XXXX time and though XXXX removed inquire for the same day they are refusing to remove the same inquires from another lender that performed inquiry as the same id fraud. I filed an XXXXnternet Crime Complaint because that is the direction of my local police department because it is all occurring online. The credit bureau that has been impossible to get a hold of is DataX there website states I can put in a 5 year opt out request over the phone but they never answer the phone. On XX/XX/2021 the same information, my old address that I haven't lived in an 4 years in other city and my personal information for a repeat id theft. This companies are not doing enough to protect information especially when it does not match and I have an Fraud alert. I need help clearing my reports and they want us to mail to a po box and they are not acting fast enough to protect the consumer especially when the application provide does not match current information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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 am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in XXXXection 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
this is my 2nd complain to same matter. my previous complain number XXXX where XXXX XXXX  accepted that error occurred anf they fixed it on XXXX XXXX but issue is not fixed and XXXX  XXXX  is not giving me loan based on same issue. 

If issue is resolved then give me loan please? XXXX XXXX  or XXXX XXXX should give me loan immediately as both are responsible for my credit mess and XXXX  XXXX  accepted fault. But XXXX  XXXX  always lie on this portal and run away from situation. 
I am attaching XXXX XXXX letter where XXXX XXXX has said they never reported late payment in complain # XXXX where XXXX XXXX never reported late payment then how Transunion report shows late payment. who is lying Transunion or XXXX XXXX I have been been telling in all complain that XXXX XXXX is lying. 
SO  either Transunion is lying or XXXX XXXX is lying because my credit report says late payment and no one giving me loan including XXXX XXXX, XXXX XXXX. I am attaching XXXX XXXX loan officer email copy where XXXX XXXX  is declining loan. whoe 's fault it is. XXXX XXXX  has accepted fault but XXXX  XXXX  kept on lying and declining my loan

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 2021-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Originally I had a dispute regarding mattresses that were never delivered. On XX/XX/2019 Welks Fargo applied a credit of {$1200.00}. When the merchant returned the funds, Wells Fargo applied an additional credit of {$1200.00} on XX/XX/2019. All ai see on my account was that I was extended credit over {$6500.00}. I spend some of it. Then on XX/XX/2019, Wells Fargo removes one of them stating they made an error. But I already spent on it. They then said I had an online cash advance of {$600.00}. I have no idea what that was, or how I would have gotten any cash from that transaction. If I wanted/needed cash I would have gone to an ATM to get cash in my hands. I did not request any online cash advance They then charged me an overlimit amount of {$750.00} and demanded I pay over {$900.00} as a minimum payment, which was well out of my budget. This adversely affected my credit. 

They have since refused to fix these issues and are now suing me for {$7700.00} and change.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: DE

Complaint narrative:
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: FL

Complaint narrative:
I am a victim of ID theft and credit reporting agencies are making it difficult to clear data inquiries and freeze reports. Though my personal information does not match my current information, they are misusing my information and providing my information to fraudulent applications. 
On XX/XX/2021, I received approximately 15-20 payday and personal loan inquiries. I immediately call the XXXX major bureau and I was referred to the company the placed the hard inquiry I have letters/email replies that there investigation shows I am a victim of fraud and they are cancelling application and sending it to the credit bureau. I have spent hours working through all this false applications. I called TransUnion after a XXXX time and though XXXX removed inquire for the same day they are refusing to remove the same inquires from another lender that performed inquiry as the same id fraud. I filed an XXXXnternet Crime Complaint because that is the direction of my local police department because it is all occurring online. The credit bureau that has been impossible to get a hold of is XXXX  there website states I can put in a 5 year opt out request over the phone but they never answer the phone. On XX/XX/2021 the same information, my old address that I haven't lived in an 4 years in other city and my personal information for a repeat id theft. This companies are not doing enough to protect information especially when it does not match and I have an Fraud alert. I need help clearing my reports and they want us to mail to a po box and they are not acting fast enough to protect the consumer especially when the application provide does not match current information.

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 2021-08-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of ID theft and credit reporting agencies are making it difficult to clear data inquiries and freeze reports. Though my personal information does not match my current information, they are misusing my information and providing my information to fraudulent applications. 
On XX/XX/2021, I received approximately 15-20 payday and personal loan inquiries. I immediately call the 3 major bureau and I was referred to the company the placed the hard inquiry I have letters/email replies that there investigation shows I am a victim of fraud and they are cancelling application and sending it to the credit bureau. I have spent hours working through all this false applications. I called XXXX  after a XXXX time and though XXXX removed inquire for the same day they are refusing to remove the same inquires from another lender that performed inquiry as the same id fraud. I filed an Internet Crime Complaint because that is the direction of my local police department because it is all occurring online. The credit bureau that has been impossible to get a hold of is XXXX there website states I can put in a 5 year opt out request over the phone but they never answer the phone. On XX/XX/2021 the same information, my old address that I haven't lived in an 4 years in other city and my personal information for a repeat id theft. This companies are not doing enough to protect information especially when it does not match and I have an Fraud alert. I need help clearing my reports and they want us to mail to a po box and they are not acting fast enough to protect the consumer especially when the application provide does not match current information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: DE

Complaint narrative:
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: PA

Complaint narrative:
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Service Finance Holdings, LLC
State: AZ

Complaint narrative:
I was late on 1 payment due to being called to XXXX XXXX, and I relocated to a different state. The notifications went to the house, and even though they contacted me via phone which I figured out later. I just completely overlooked the payment. I thought I had put that particular account on autopsy. On top of that I was paying for services I never recieved. I had just bought a home and got a bathroom renovation done, but my case was open due to them not completing the work. They didn't come back for 4 months after I signed. I'm new to this and have never done a renovation so the person who did my reno told me.to go ahead and sign and he'll be back tomorrow with the part that he needed to get my shower working properly. He had come back previously so I took his word on it. Needless to say I was paying for a shower that wasn't operable. I explained to the renovation company everything, but then when I tried to explain to the finance company they said o well you shouldn't have signed and pretty much of he didn't come I should have called them.. I wouldn't have even thought to contact the finance company. I mean if I had an issue with me vehicle I would contact the dealership not the finance company so I was just super confused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
The Home Depot Consumer credit card sends me a flagellant bill and when I reject to pay, each month adds interest rate and sends me much larger bill. On XX/XX/XXXX I call to customer service in regards of my Home depot credit card. I payed all the bills required and asked them to close all my accounts. I was insured that I payed everything and my accounts are closed. Later, Home depot consumer credit card of City Bank started to send me bills with large amount of money increasing every month. I called them many times and verified that I have nothing to pay since I payed my bills on XX/XX/XXXX. They sent me a later telling that them by mistake sent some amount of money to my XXXX  XXXX XXXX account and I have to send that money back. I vitrified with XXXX  XXXX XXXX that nothing was deposited from Home Depot consumer credit card of City Bank.

I asked the City Bank to remove charges from me because I do not responsible for somebodies mistake and I was overcharged. However I still receive larger and larger bills and the also affect my credit score. I'm legally XXXX and XXXX. Please help me to resolve this problem

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 2021-08-12 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: Chime Financial Inc
State: DC

Complaint narrative:
I went to a XXXX in California, and I brought a room online for {$89.00}. I left the XXXX to get {$50.00} dollars off my card for the room fee. When I came back in the motel, I was charged again on my card by a different worker. I tried explaining that I already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: NH

Complaint narrative:
We were struggling to pay the mortgage due to covid and loss of hours/income. We had entered into the forebearance period through loss mit and finally started to get back on our feet. They offered us two choices, defferal or modification. We chose to go the modification route as the XXXX payment was still going to be hard for us to pay due to loss of income as well. So on XX/XX/2021 I sent over the modification application for approval. They told me it was going to take 10 days to process. After 30 I called up and they said it would take 2-3 months. So when I paid the mortgage payment I would check on the status as well as in their computer system. They had no answers ... Come XXXX I started calling weekly to see where our application was, I got several different answers from XXXX, XXXX, XXXX, XXXX, as it was shipped, but I never received anything ... They also stated a supervisor would get back to me ( they never did ). So finally on XX/XX/2021 I called and spoke with 3 different agents ending with XXXX. He told me that the supervisor of our loan no longer worked for the company and that because it has been so many months from our application that it was no longer good and I had to fill out a new application. This is unacceptable and very sloppy work as per attached I have been calling monthly and weekly to follow up on my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: Chime Financial Inc
State: DC

Complaint narrative:
I was searching online for a hotel room, and I went on some website. I brought nothing from this website called XXXX XXXX. I have no idea why they changed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I got email that this account that this account was engaged in activity to deceive PayPal and its customers. 

PayPal said After a review, we decided to permanently limit your account as we detected that this account that this account was engaged in activity to deceive PayPal and its customers. 

but I haven't done any thing and my money is stuck in PayPal. 
please restore my account

Company response to consumer: Closed with non-monetary relief