vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-15 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: FL

Complaint narrative:
I CHECKED MY CREDIT AND NOTICED THAT POSSIBLE FINANCE PLACED A FRAUDULENT ACCOUNT ON MY PROFILE WITH XXXX AND TRANSUNION FOR THE AMOUNT OF {$60.00} PLACED LATE PAYMENTS ON THIS ACCOUNT AS WELL. THIS ACCOUNT SAYS PAID BUT XXXX IS NOT MY ACCOUNT AND NEEDS TO BE REMOVED! I ALSO SAW THAT THERE WAS XXXX STUDENT LOANS THAT WERE PLACED IN MY NAME THAT ARE ON MY PROFILE AND IN FACT FRAUDULENT! THOSE STUDENT LOANS ARE DP OF EDUC DPT ED/NAVI! NEXT, I GOT AN EMAIL ON XXXX THAT MY INFORMATION HAS BEEN CHECKED AND I HAVE RECEIVED MULTIPLE INQUIRES THAT AREN'T MINE AND IN FACT FRAUDULENT! THE INQUIRIES ARE FROM XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LASTLY I HAVE A FRAUDULENT INQUIRY FROM XXXX XXXX XXXX FROM XX/XX/XXXX ON MY XXXX REPORT. I HAVE NOT APPLIED FOR CREDIT ON XX/XX/XXXX OR XX/XX/XXXX! 

I WILL BE SUING FOR DAMAGES IF THESE ACCOUNTS ARE NOT REMOVED IMMEDIATELY.

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 2021-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Summit Horizon Financial Services
State: CA

Complaint narrative:
A third party vendor loan forgiveness called Summit Horizon Financial Services had taken {$750.00} from my account and refused to return my money. They have managed to get pertinent information about my student loans and SSN via XXXX login not authorized by me. They promised to help with loan forgiveness process XX/XX/2021 but I declined the offer the very next day, but they have already gotten the money. After contacting them several times, the representative gave me a cancellation letter, but no refund was made. There are no cancellation confirmation in the letter and the representative can not give me one as well. After researching in the web I found this linked In person By the name XXXX XXXX. Please investigate this person. The emails that is used for the e-signature fee doc also gives back mailer-XXXX. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: CO

Complaint narrative:
On Monday, XX/XX/XXXX my account with XXXX ( Chime ) was unexpectedly closed. I received no notification, was not overdrawn or have had any issues with the bank prior. I had just over {$2100.00} in my savings account and {$600.00} in my checking account. I can not get anyone on the phone to find out what happend to my funds or why my account was suddenly closed. When I call, I just get an automated message that my account has been closed and that I can email XXXX for help. When I login to the app, I get a " Yikes, your account has been closed. '' I have emailed XXXX XXXX times. I did receive XXXX response midday on XX/XX/XXXX that someone would be in touch with me in XXXX hours. I still have not received a response. This has left me completely at their mercy with no funds to take care of my children. I do not get paid again until XX/XX/XXXX so I am hoping that someone can look into this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I CHECKED MY CREDIT AND NOTICED THAT XXXX XXXX XXXXLACED A FRAUDULENT ACCOUNT ON MY PROFILE WITH EXPERIAN AND XXXX FOR THE AMOUNT OF {$60.00} PLACED LATE PAYMENTS ON THIS ACCOUNT AS WELL. THIS ACCOUNT SAYS PAID BUT THIS IS NOT MY ACCOUNT AND NEEDS TO BE REMOVED! AMERICAN CREDIT ACCEPTANCE IS STATING THAT MY ACCOUNT WAS LATE FOR XXXX PAYMENTS OF XXXX AND XXXX BUT I WAS NEVER LATE ON THAT ACCOUNT. UPDATE MY ACCOUNT PAYMENT HISTORY TO CURRENT!

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 2021-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: EQUITY RESOURCES, INCORPORATED
State: MD

Complaint narrative:
In XXXX, I was behind on my mortgage payments because of temporary unemployment. At the end of XX/XX/XXXX, I complete a FHA partial loss claim, it was processed on XX/XX/XXXX. The partial loss claim provided a way to receive a " loan '' for the amount of {$34000.00} the amount of my I owed my mortgage comapy ( Equity Resources Inc. ). The due date of this " loan '' is the year XXXX. 

This process was supposed to bring my account current with my lender " Equity Resources, Inc. According to this new agreement I was to resume making my monthly mortgage company in XX/XX/XXXX. I have complied with the agreement and have made monthly payments to Equity Resources , Inc for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. 

The problem is that my monthly mortgage statements continue to indicate my account is in arrears. I have tried over XXXX times to get my account updated in the last 6 months but nothing has been done. My monthly mortgage statements are inaccurate and do not subtract my payments form the outstanding balance. The balance owed grows every month although I am making my payments and have fulfilled my monthly obligation. 

I have checked my name and property address with my state propery tax office and district court. Both places reflect the changes to my mortgage account as of XX/XX/XXXX. 

The end of the year is fast approaching and I fear my tax documents will not contain the correct information. Also, I feel ill-at-ease and in financial/housing limbo every month when I see the rising balance on my account. 

Please help!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX Attn : Credit Disputing Department XXXX XXXX : Requesting Removal of 30 Day Negative reporting to all XXXX credit reporting agencies [ XXXX XXXX XXXX XXXX XXXX _ _ _ _ _ _ _ _ _ _ _ _ _ _ ] My name is ______________ and Im a XXXX XXXX XXXX XXXX XXXX Im writing you today because it was brought to my attention yesterday ( XXXX ) by XXXX XXXX XXXX from Comenity Capital Bank XXXX that my account was 30 days past due. 

If youre able to check my payment history, I always paid my account in FULL every billing cycle since Ive had my account with your bank/ Bjs membership. 

On XX/XX/2021 the financial institution that I use to pay my Bjs account, which is XXXX XXXX XXXX XXXX ( last XXXX XXXX ) was compromised and they immediately closed my checking account pending investigation ( please refer to the accompanying letter from XXXX XXXX, verifying my claim ). 

I always attach auto-pay to all my accounts, so I wouldnt come across problems like this ; oddly enough XXXX XXXX had assured me that theyd pay all incoming debits for 60 days as a courtesy, but they dropped the ball this time. I wasnt able to verify which creditors were connected to that account for payments because they totally removed the entire account information/ history from their website. 

Id appreciate it if you would notify the ( XXXX ) XXXX credit reporting agencies to reverse the 30 Day Negative report made [ XXXX XXXX XXXX _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ ]. It affected my XXXX score drastically, it went from XXXX all the way down to XXXX due to such reporting. 

Regards,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
TransWorld Systems is reporting delinquent accounts on my credit in error. I have had XXXX XXXXnsurance for the last several years. The original creditor must have made an error and not taken my XXXX XXXX  information XXXX I have attached a copy of my medi-cal cards dating back to 2017. Please have TransWorld verify the accuracy of all negative TransWorld accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: AR

Complaint narrative:
Freedom Mortgage claims that I was late on a contractually due payment of {$1400.00} on XX/XX/XXXX. I did not have a loan with Freedom Mortgage in XX/XX/XXXX. My loan was sold from XXXX XXXX to Freedom Mortgage in XX/XX/XXXX. The XXXX Loan was not contractually due XX/XX/XXXX in the amount of {$1400.00}. The loan was in forbearance. XXXX XXXX  inaccurately reported that the XX/XX/XXXX payment as late. The attached letter confirms that XXXX XXXX  corrected the inaccurate reporting. However, Freedom Mortgage FAILED to follow-up to find out if the reporting had been corrected even after I informed Freedom Mortgage multiple times that the information was incorrect and provided documentation. 

I made a payment of {$1200.00}, in good faith, on XX/XX/XXXX after receiving directions to pay the amount from a Freedom Mortgage agent based on a new loan modification which would be forwarded to me. I was told the new loan was due starting XX/XX/XXXX. I never received the loan documents. I requested the loan modification documents more that 20 times and never received them.

Six months later, Freedom Mortgage finally sent me completely new loan modification documents with a payment of {$1100.00} starting on XX/XX/XXXX. I have requested that Freedom Mortgage apply the XX/XX/XXXX mortgage payment of {$1200.00} to the new mortgage payment of {$1100.00} due XX/XX/XXXX. The balance of {$110.00} will be applied to my escrow account. 

The {$1200.00} ( unapplied/suspense payment as Freedom Mortgage labeled it ) is now being held based on inaccurate information that I was delinquent on a payment due in XXXX before Freedom Mortgage owned the mortgage. At first Freedom Mortgage claimed the payment was delinquent on XXXX, XXXX now they have stated the payment was due XX/XX/XXXX. I have asked for proof and received none. 

Freedom Mortgage is refusing to apply the XX/XX/XXXX mortgage payment of {$1200.00} to the new mortgage payment of {$1100.00} due XX/XX/XXXX, and the balance of {$110.00} applied to my escrow account. 

I have spoke to five supervisors and none have resolved the issues. All answers have been generic and incorrect on their internal message board.

This is one of many issues I have encountered with Freedom Mortgage. They never contacted me 30 days before the end of my forbearance to start the loan modification process. I contacted them before them time and time again to start the loan modification process. I have detailed documentation for all my allegations. 

The federal government should not allow a debt collector such as Freedom Mortgage to own any federals home loans.

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 2021-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
An affidavit regarding two lost payments from Wells Fargo Remediation was located recently, previously lost, filled out and sent in to Wells Fargo Remediation. Affidavit was sent to me in XXXX The payments in question are in the amounts of {$5100.00}, {$690.00}, intercepted by person ( s ) now living at prior address, I believe. Wells Fargo sent payments to address after I moved in XXXX of 2020, sent in XXXX and XXXX of 2020. Previously, Wells Fargo reps replied to numerous past CFPB complaints regarding these missing payments by stating they were cashed in which case, not by myself.. It appears their extent to addressing issue is solely referring to them as cashed, no mention of affidavit sent in XXXX. Also, they refer to prior replies which also state the same, payments cashed.. Further, neither payment covers damages sustained by Wells Fargo reps opening checking/savings accounts I did not need or want, under the premise to be used for bill pay when only one account is needed for such service. Wells Fargo reps also refer to a letter sent agreeing to phone mediation payment amount of {$500.00} with IRS taxes totaling {$690.00}, this letter was also sent to prior address after moving, never received and not signed by myself.. Needless to say, Wells Fargo reps have not addressed issued detailed above. Most recently, I've been calling Wells Fargo Executive phone bank to resolve issues, reps refer me to XXXX XXXX and or open a case which is closed out, nothing done in re. Please note, the XXXX XXXX has no information regarding payments mentioned, this is a run around given by reps at phone bank. This settlement has nothing to do with XXXX, third party whom issues checks on behalf of XXXX XXXX I've also called the Executive Office, referred to an XXXX XXXX whom stated she would reply to prior CFPB complaint, would not speak directly about issues. The number I called is XXXX, which I learned today is the dept handling credit card issues, not deposit accounts. XXXX replied back to CFPB by again referring to prior CFPB replies which as stated before, refer to payments as cashed, did not offer any additional compensation... I can assure the CFPB, past replies merely refer to checks as cashed and or refer to prior replies and letter referencing payment of {$500.00}, which was not signed by myself nor payment received. Needless to say, this is a run-around, does not address issues. Further, reply states they will no longer reply to CFPB in which case, there are other agencies available to file complaints which will not be ignored.. I request Wells Fargo look into missing payments as well as additional compensation for unauthorized checking/savings accounts opened by Wells Fargo reps .

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 2021-12-15 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: IL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: IL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 2021-12-15 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 — Investigation took more than 30 days
Company: Mr. Cooper Group Inc.
State: DE

Complaint narrative:
I filed a dispute in regards to the items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report on Experian is incorrect and showing information that is not mine and I just want to apply for a credit card to start building a score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I filed a disputed in regard to the items on my credit report. It has been well over 30 days, and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2021 my posted balance was {$1000.00}. On XX/XX/2021 7 transactions cleared totaling {$250.00} left a posted balance of {$780.00} but they charge me an overdraft fee of {$36.00} for each transaction totaling {$250.00} leaving a posted balance of {$530.00}. 
On XX/XX/2021 They refunded on overdraft fee of {$36.00}. Then at transaction of {$1.00} cleared, then a transaction of {$320.00} cleared, then a transaction of {$760.00} cleared and they charged me a {$36.00} overdraft fee for that transaction because it caused my account to go negative $ XXXX. 

On XX/XX/2021 my account was not negative, but they charged me the late fees. They told me it was because they added up all the pending transactions and it made me negative even though they didn't clear and was just pending. They didn't charge me the fees the following day on the other two transactions. 

Now that BB & T is Truist it's ripping people off. I have been told they will do nothing about it because the computer program makes all the decisions.

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 2021-12-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed the validity of 7 different accounts with Equifax by mail. The accounts are still being negatively reported on my Equifax credit report even though all of the creditors have and are violating the FCRA. Proof that the creditors did not validate my debt was sent along with a letter requesting that Equifax investigate and delete all accounts being reported incorrectly or not being validated. The letter and proof was sent on XX/XX/XXXX directly to Equifax headquarters, and was received on XX/XX/XXXX. No response from them has been received and it is well beyond 30 days. My credit report also still shows all of the negative information that can not be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BMW Financial Services NA, LLC
State: CT

Complaint narrative:
I received an email from BMWF Collections dept yesterday, XX/XX/XXXX, requesting I call them directly. This email was received after I sent a direct message on BMWF site with intentions to pay, received and replied to by a XXXX, I believe is the name.. I called BMWF line at XXXX, spoke with a XXXX I believe is her name, provided intentions to pay XXXX past amount of XXXX. A bill payment is scheduled for today, XX/XX/XXXX. in the amount of {$140.00}, another payment in the amount of {$500.00} will be made this coming week, another payment in the amount of {$200.00} by XX/XX/XXXX. I believe these payments should cover XXXX. On a side note, a payment confirmation email was received today showing a payment in the amount of {$900.00} made on XX/XX/XXXX, I believe, in which case this appears to be an error on end of BMWF, sending an email from a payment made in XXXX For whatever reason, the payment could not be taken out of the account, ending in XXXX. I was told account is frozen when it is not, other payees are able to withdraw, do not show frozen. BMWF should correct this error, sending a payment confirmation email from XXXX which was not withdrawn, account is frozen, according to their records.. Also, please note my payment intention to cover past due month of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I CHECKED MY CREDIT AND NOTICED THAT POSSIBLE FINANCE PLACED A FRAUDULENT ACCOUNT ON MY PROFILE WITH XXXX AND XXXX FOR THE AMOUNT OF {$60.00} PLACED LATE PAYMENTS ON THIS ACCOUNT AS WELL. THIS ACCOUNT SAYS PAID BUT XXXX IS NOT MY ACCOUNT AND NEEDS TO BE REMOVED! I ALSO SAW THAT THERE WAS TWO STUDENT LOANS THAT WERE PLACED IN MY NAME THAT ARE ON MY PROFILE AND IN FACT FRAUDULENT! THOSE STUDENT LOANS ARE XXXX XXXX XXXX XXXX XXXX! NEXT, I GOT AN EMAIL ON XXXX THAT MY INFORMATION HAS BEEN CHECKED AND I HAVE RECEIVED MULTIPLE INQUIRES THAT AREN'T MINE AND IN FACT FRAUDULENT! THE INQUIRIES ARE FROM XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LASTLY I HAVE A FRAUDULENT INQUIRY FROM XXXX XXXX XXXX  FROM XX/XX/XXXX ON MY EQUIFAX REPORT. I HAVE NOT APPLIED FOR CREDIT ON XX/XX/XXXX OR XX/XX/XXXX! 

I WILL BE SUING FOR DAMAGES IF THESE ACCOUNTS ARE NOT REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation