vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
Hi- I closed my loan with XXXXXXXX XXXX on XX/XX/XXXX My servicing was transferred to XXXX prior to the first mortgage payment being made and remained being serviced by XXXX through XX/XX/XXXX. The servicing was then transferred to Freedom Mortgage in XX/XX/XXXX. Shortly after Freedom acquired the loan they stated that my flood insurance coverage was insufficient and put forced gap flood insurance in place at a cost to me close to {$1000.00}. The Flood insurance was acceptable with the originating lender, and the Flood insurance meets XXXX flood insurance requirements, yet Freedom states this isn't correct. Apparently, Freedom adds together the XXXX ( walls in ) replacement cost with the Master Flood insurance replacement cost to establish the replacement cost for the unit, which isn't consistent with XXXX requirements for condo coverage resulting in a large cost to me. I have spoken with Freedom numerous times and they remain steadfast. I need to escalate to get some 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 explanation
Consumer complaint received 2023-01-24 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:
This company is not putting the accounts in question in disputes unless I call in and spend 2 hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months.

I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer.

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates.

EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151. 

Account Name : XXXX  XXXX XXXX  XXXX  Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : TXXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Placement Services, LLC
State: IL

Complaint narrative:
On XXXX, XXXX, and XXXX, I wrote to Professional Placement and XXXX XXXX XXXX that they wrongfully sent out the bill and do not owe the money they have built. I also informed the Professional Placement Services in a separate bill that the debt is in dispute and I am in contact with XXXX XXXX XXXX to solve the issue. However, they chose to report the disputed debt to credit agencies which are against the law. 

Before Professional Placement Services, XXXX XXXX XXXX work with XXXX XXXX XXXX to collect the wrong debt and when I wrote them that the debt is not mine and I am disputing it, they chose not to report the debt to credit agencies. 

XXXX XXXX XXXX and Professional Placement Agencies chose to ignore my requests and continue to report the disputed debt ( wrongfully charged debt ) to agencies. 
Their illegal activities do harm to me and my credit reports and need to be removed from credit agency reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
EXPERIAN continues to house incorrect invalidated information causing great harm and damage to my personal life/consumer report. 
EXPERIAN continues to violate my consumer rights, while breaking the law by ignoring FCRA FDCPA and XXXX XXXX compliance guidelines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
XX/XX/XXXX Mortgage Regular Monthly Payment misapplied to late fees ( from 10yrs ago ) ... but payment was exactly recognizable as the mortgage term Regular Monthly Payment. 
XX/XX/XXXX upon recognizing Flagstar Bank 's error, I contacted them by phone and requested rep escalate to Management Leadership Team to submit for a refund, or reapply as next due mortgage payment. Case submitted. 
XX/XX/XXXX called Flagstar bank for status of case number, status shows " closed '', reason is per over 90-days since payment, as reviewed by " Cash Operations Dept '' ... my response, Regardless of time that has passed, the payment was misapplied to other category, though exactly submitted as matching " Regular Monthly Payment ''. 
Flagstar representative quoted CFPB Part 6500 Section 1005.33 which states " incorrect '' amounts of currency received can be applied to category of their choice, However this was NOT an 'Incorrect '' amount, and was exactly " regular monthly payment '' of principal and interest and escrow total. 
XX/XX/XXXX spoke with management team 2nd request again to reapply correctly as identifiable regular payment, but request was denied as previously stated over 90-days. Perhaps the issue lies in that the Cash Processing system may not electronically be able to reverse the payment or reapply to other category per over 90-days, but rather than needs to escalate the error correction as a manual refund to sender instead.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Dear Madam/Sir, CFPB : I received a notification from a Bank Institution , from the year 2022. With a 1099-C, Cancellation of debt with an account number. It states Box 1, date of identification event. Box 2, Amount of debt discharged. Box 4 Debt description, credit card. Box 5, Borrower was personally liable for repayment of debt. Box 6, Identifiable event code, total amount of debt discharged. Tax year 2022, with tax ID number, with a similar name like mine, not my legal name. With the wrong adress. It also has an : E. I. N, number. Again it comes from a Bank institution with the telephone number, and the po box number. It also said that I need to report this to the I. R. S. This document it is not mine, and does not belongs to me. However my Big concern is that has also my last 4 digits of my SS number. And also has the amount of the debt discharged of, {$860.00}. This matter is FRAUD, because I never had in 2022 any credit card with this Bank, institution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
I have tried many times to contact XXXX at the XXXX XXXX ( apartment company in XXXX, Texas ) in regards to an outstanding debt ( {$270.00} ) however they are very unresponsive. This debt of {$270.00} is from XX/XX/2022 and it pertains to my last month staying at the apartment. I was invoiced on XX/XX/2022 and tried to pay however because I was no longer a resident I did not have an option to pay via the portal. I repeatedly tried to call the front office so that I could ask how I could pay, given that I no longer stay in XXXX and the portal was not working, but no response. I then emailed the front office ( via their website ) on XX/XX/2022 asking how I could pay the outstanding charges but again, there was no response. I kept calling but they remain unresponsive. I even tried today ( XX/XX/2022 ) and no one picks up the phone. This was also an issue when I lived there, they are very unresponsive and seem to ignore their customers. 

As a result, {$270.00} was sent to collections and is now being reflected on my credit report. How could I be at fault for this when I have been actively trying to pay and have been ignored for so long? If they were to pick up the phone this would have been resolved a long time ago and all of this could have been prevented. Instead here I am now dealing with nonstop calls from what I assume to be a debt collector ( Hunter Warfield ). Also, I have not received any official notice informing me of this debt, I had to dig into my credit report to even realize this debt existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Quality Asset Recovery LLC
State: RI

Complaint narrative:
I called XXXX XXXX XXXX in Pennsylvania, and it took a while for them to get the bill paid, but it was resolved. However, it hit collections already and I contacted the debt collector and sent them the account number as proof that it was paid to an email, they have given me. I am on ssi so I don't know why I have a medical bill in collections in the first place. I called the debt collector again and they said they have no notes about the email i sent. I am trying to get this off of my credit because it's been long enough.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: Credit Karma, LLC
State: GA

Complaint narrative:
I received a XXXX  emails saying I was pre approved for personal loans and credit card options yet when I applied I was denied which ultimately lowered my score and made it harder to secure the finances I needed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I own a title insurance agency in Pennsylvania. I have been banking with XXXXXXXX XXXX, XXXX since XXXX. XXXX XXXX holds all escrow account, and daily operating accounts for said business. 

On XX/XX/XXXX a fraudulent check cleared our escrow account for {$9500.00} - the check was clearly a fake, with smudge marks, inaccurate seals, missing telephone numbers, incorrect check numbers, invalid authorized signatures, etc. The check was NOT indorsed or stamped. The fonts did not match our check stock. The check was clearly done as a mobile deposit, and in the subject area had " commission '' listed. 

I received my 89 page bank statement with all copies of checks in XXXX- Did not notice the check clearing escrow because the amount did not stick out, when we clear thousands of checks a month. 

A XXXXhird party reconciliation company XXXX XXXX XXXX, does our third party escrow reconciliations- and brought to our attention this check that did not match up to a file or ledger. Immediately we contacted XXXXXXXX XXXX, contacted customer service, and filed a complaint. 

XXXXXXXX XXXX returned the claim on XX/XX/XXXX stating that " Given the account agreement and based on a review of applicable law, we feel we paid the check in good faith and upon the exercise of proper care '' WRONG- this check is clearly a fake. This check was cashed, without any endorsement on the bank. This check was signed by not an authorized signor with a magic marker or stamp that is not the same name, nor similar signature as the company primary. 

I contacted the XXXX XXXX manager assigned to my business accounts- when she finally returned my phone call she stated that the reason this claim was denied is because it took ME too long to file a claim. Meanwhile I filed the claim as soon as it was brought to my attention/ after going through the monthly due diligence of escrow reconciliations. This happened during the end of the year - the busiest time, and the bank is not willing to help. 

Furthermore, this XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX manager will NOT supply any information for me to be able to file a police report. After asking numerous times, they have not and will not supply information regarding the bank this cleared through. 

XXXXXXXX XXXX is taking no fault on this. Which is bad business - Escrow money is not ours - it is the consumers money. There was not a fraudulent check written by this company- it was written by someone trying to defraud a title insurance company, and they succeeded - the bank has insurance in place to cover fraud, and are blatantly not caring about the consumer. 

This situation is at zero fault of the title agency involved and we would appreciate the money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2022 I have purchased online an airline ticket from XXXX. The reference number is XXXX one-way flight on XX/XX/2022, from XXXX, XXXX to XXXX Florida XXXX for my son. Because of the chaos of war warnings etc. I have purchased XXXX failure insurance. In the process of paying over the phone, a XXXX Customer representative charged my Chase Credit card XXXX times the purchase price of {$950.00}. the amount of XXXX X XXXX = XXXX. I called the representative at XXXX XXXX the next day and asked them to remove XXXX of the charges, however, a few days later they did not remove them so I started a dispute with my Chase Credit Card. Eventually XXXX removed XXXX payments. Because of the war in XXXX, the flights from XXXX XXXX were cancelled and the Ticket was not used. 
I have called XXXXXXXX XXXX for the refund, however, they did not want to talk to me because ongoing Chase dispute. I have contacted Chase dispute service several times and they promised to resolve this issue. After multiple phone calls, faxing from their branch and emailing them documents they did not resolve the issue and enable me to talk to XXXX XXXX to get a refund. On XX/XX/2022, I have contacted the Chase dispute team and they made another promise to resolve the dispute, but today XXXX it was not resolved. Almost a year passed and I have left with an empty promise, a bill and without a ticket for my son to fly from XXXX and money to purchase another ticket. Please help because the Chase Credit card dispute department does not take my case seriously or is careless. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Dear COMENITYCAPITALBANK/XXXX XXXX XXXX XXXX XXXX XXXX  ) ; I was shocked when I reviewed my credit report and found a late payment on the dates below on XX/XX/2022 for 30 days. ( I was in the hospital  for 2 months during that time. ) I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly COVID-19, being hospitalized with XXXX, XXXX  of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-24 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: VA

Complaint narrative:
I spoke with a Equifax Rep. about unauthorized inquiries on my credit profile the agent XXXX ( ID XXXX XXXX ) told me that unauthorized inquiries have to stay on my credit report for 2 years which negatively affects my credit health as I am trying to re established good credit how is possible this violate my consumer rights 15 usc 1681i in accordance with paragraph ( 5 ) this company has stripped me of my right of fair and accurate reporting as I was told that equifax has no way of deleting unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: MI

Complaint narrative:
Equifax continues to house incorrect invalidated information causing great harm and damage to my personal life/consumer report. 
Equifax continues to violate my consumer rights, while breaking the law by ignoring FCRA FDCPA and XXXX XXXX compliance guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XX/XX/2022 I received a notice from Comenity Bank asking me to remove my credit security freeze so that they can process my XXXX XXXX  card credit application, however, I never applied for a XXXX card account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Cashier check for XX/XX/XXXX was made to XXXX XXXX XXXX XXXX AMOUNT OF XXXX and another one was made on XX/XX/XXXX for the same amount. I have try calling my bank to find out why I not aware of fraudulent transaction. My back stated today they only are able to hep me it was reported in between the 60 days that the transaction was made I find out this information on XX/XX/XXXX the same day that I call my bank. I also have file police report.. And there is multiple lawsuits made against this company., So I dont understand why my bank did not stop my transaction to fraudulent company like they have done in the past. How is my back protecting my money???

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: LA

Complaint narrative:
I sent a letter off XX/XX/2023. Here is the tracking # XXXX. To remove inaccurate information from my credit report. According to the fair reporting act 15 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is not supposed to share my information to third party people.

These are clear violations of my federally protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
plase help me to citibank review and relly check since I have been different branches and people were trying to help i Need my money I am XXXX XXXX  with XXXX ansd XXXX with no money to go to court since XXXX at XXXX XXXX and even people at citibank told me But poor or working people like me can not affort to paid it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: TX

Complaint narrative:
To whom it may concern I filed a dispute with equifax for reporting incurrate information. With confirmation # XXXX dated XXXX XXXX from equifax it states that I should contact : XXXX XXXX XXXX XXXX XXXX 


I have previously contacted them and they provided me with a letter. I did and they provided me with a letter that says they do not provide information to credit agencies. So how was this information that was not verified? This is a complete violation of my consumer rights. As states of 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 may be inaccurate. 



I have attached letter of results from Equifax and from clerk us bankruptcy court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase closed my checking account saying there was fraud on my account. I don't have anything that constitutes a fraud in my transations. They are unwilling to work with me to discuss the transactions they think is fraud and is holding my balance for over 3 weeks now that I need to purchase a home. Their branch managers won't help me to release my funds and they keep saying the same thing over and over again that my check will be mailed and in is process. I want to sue think bank for holding someone else 's funds for prolonged period of time and make them pay me interests for holding my account.

Company response to consumer: Closed with non-monetary relief