vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
My old mortgage company XXXX XXXX switched me over to Freedom Mortgage on XX/XX/XXXX and when I logged on to my portal with Freedom Mortgage I noticed that my account is in Active Loss Mitigation. I called them on XX/XX/XXXX to ask them why was my account in active mitigation and they told me it was because my previous Mortgage company XXXX XXXX sent them my loan over with me being in the COVID forbearance program, '' which I wasn't and never in ''. After they looked at the paper work they notice that the Covid forbearance program was dated XX/XX/XXXX through XX/XX/XXXX and that they will remove it from my account by XX/XX/XXXX. When XX/XX/XXXX came I logged on my Freedom Mortgage account and noticed that it have not been removed. So I called Freedom Mortgage again on XX/XX/XXXX and I was told that it has been removed that they just have to update the computer systems that's why its still showing loss mitigation. Then I called again I believe on the XXXX and then I was told that it was never even put in the system to be removed and that now they put the ticket in to be removed. I spoke to XXXX that day and she was very rude, I spoke to the supervisor about her that day also. Then I was told another date XX/XX/XXXX that it will be done and removed. So on XX/XX/XXXX I checked my Freedom Mortgage online portal and my account is still in Active Loss Mitigation. So I call again and this time they don't give me a date they tell me it will be removed in a couple of days. I also emailed the Loss Mitigation department twice once on XX/XX/XXXX & XX/XX/XXXX about this situation and I never gotten a reponse. Now it's been over a month and it still has not been removed from my mortgage account. I never missed a payment before and I never enrolled into the COVID relief program so I do not know why my account is in Active Loss Mitigation and Freedom Mortgage is not removing that status from my account.

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 2021-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citicard transaction declined on XX/XX/21 for {$320.00} I have been with Citicard many years, always paid on time and had minimal balance. Tried to make purchase and card was declined. I said that was impossible. Clerk tried again and purchase approved. 
I called Citicard to ask what happened. I was told that on random transactions they will decline a purchase as part of a security check. It had nothing to do with my account or history, it was just done randomly when they felt like it. They said that I had consented to this when I accepted their terms. 
I had never lost my card or reported fraud on the account. I can not begin to describe the embarrasment I felt, as I was in a very expensive store. I have maintained an excellent credit record in order to avoid this type of situation. 
I want people to know about Citicards practice on accounts that are in excellent standing.

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 2021-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
on XX/XX/21 around XXXX I called the number XXXX because I receieved a text message from XXXX saying to call my Citizens bank account because it was an emergency. When I called the number, they asked my 16 digit atm debit number, my social, date of birth, security code, pin, and date of expiration. I did not realize until it was too late this could be a scam and I didn't get a notification from my bank. My banks customer service is not available at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been trying to contact them for over 60 days to investigate some accounts on my credit report. They have failed to respond to my disputes. I have not receive no correspondence about disputes at all. The information they are reporting is inaccurate and unverifiable. They are causing me great stress.

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 2021-10-16 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: NC

Complaint narrative:
1.The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

2. The inquiry was not authorized XXXXXXXX  Date of inquiry : XX/XX/XXXX Please supply information on how you have verified this item. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX 7.The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I contacted, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.

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 2021-10-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been disputing a collection that popped up on my Experian credit report. However, when I mail in the dispute my investigation is not starting and I am waiting 45 days for them to put the dispute in. Additionally when I login on the website to submit my dispute I am getting a technical difficulties please call XXXX. But when I call this number during the working hours it will only let me speak with a machine that eventually hangs up on me. I have called several days and numerous amounts of times. I also called other Experian customer service numbers and I can never speak with anyone. Is it legal for them to block their calls and not allow us to speak to live representatives? Also is it legal for them to ignore my mail? Please let me know how or when this can be corrected.

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 2021-10-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: BTH Management
State: MO

Complaint narrative:
XXXX XXXX, has not contacted in me in a fair and consistent manner that other debt collectors would do, such as contacting via mail to ensure the validity of debt, explanation of charges, proper charging of interest, etc. XXXX XXXX, would not attempt to work with a Debt Management Plan, XXXX XXXX XXXX XXXX enrolled in XXXX, for the full principal balance through series of payments. On XX/XX/2021 at XXXX XXXX, I received an email with a proposed offer to avoid collections and pay 50 % off, when chatting with XXXX, he said that my debt in total of {$1400.00} was sold to Plaza Services, LLC on XX/XX/XXXX, so why did I receive an email? XXXX, stated this email was sent in error, I'm not buying that. nor did I receive a letter of intent to send debt to collection agency, and today Plaza Services LLC, contacted my work phone number violating the Fair Debt Collection Practices Act, before even sending me a letter. I'm willing to work with CashNetUSA, but I am disputing the validity of debt as the stated amount is in upwards of {$200.00} and some change then previously accounted for and the right to cure was initiated sometime in XXXX or XXXX. When visiting Plaza Services website, I couldn't even find the case file. PLAZA SERVICES LLC, also stated their client who I presume would be XXXX, XXXX, stated that they would be moving to make a final recommendation with or without correspondence, such as it sounds like intimidation to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: OH

Complaint narrative:
I have been trying to contact them for over 60 days to investigate some accounts on my credit report. They have failed to respond to my disputes. I have not received no correspondence about disputes at all. The information they are reporting is inaccurate and unverifiable. They are causing me great stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lendmark Financial Services
State: NC

Complaint narrative:
I had an account show up claiming opened in 2018 at a Lendmark. The account was never authorized by me or paid by whomever opened it. Once I found out about the account, I visited the Lendmark location, provided all the things they asked for, filed a police report, had signed affidavit forms notarized and they advised this would be corrected because the camera recording they had was not me. They even told me someone was calling in each month saying they were my family or POA without any documents and saying I had died. Nothing was removed, instead they begin to try and have me settle and pay something on this debt they knowingly gave to someone in my name that was not me and communicated with another person regarding the account, knowing that it was fraud. It has been removed from all reports except XXXX. This has given me great trouble with gaining loans to finishing obtaining my XXXX XXXX and I have continued to try and get this resolved. The dispute with only XXXX has been denied over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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 was checking my credit report and i saw accounts which i don't recognize. I have never applied for these accounts. I believe that someone used my personal information and opened accounts on my name. I lost my wallet with all documents, so i believe that someone found it and used 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 2021-10-16 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 was checking my credit report and i saw accounts which i don't recognize. I have never applied for these accounts. I believe that someone used my personal information and opened accounts on my name. I lost my wallet with all documents, so i believe that someone found it and used it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: CA

Complaint narrative:
To whom this may concern : I am writing this complaint, because I have been trying to get a 30 day late payment off of my credit report. XXXX 's has been reporting a late payment on my account since XX/XX/XXXX. I have disputed this issue with the credit bureaus, Trans union and XXXX, it does not show up on XXXX. I have called and have spoke with several different representatives and have been told that this account can't be undated, corrected, or changed with them and was directed to the credit bureaus. And was told the same from XXXX and Trans union both say verified in the response. I spoke with someone on XX/XX/XXXX and asked to have the notes from that conversation to be sent so I could include those in this complaint. As of XX/XX/XXXX. That is the day I started this claim, I checked my XXXX account, and it is stated that my account with XXXX 's has been closed. It won't even show on my credit karma account. I called, and spoke with XXXX, asked about notes from the XX/XX/XXXX call, she said no call was on file for that date. Ask no call? Was told the last time it shows I called was in XXXX of XXXX, she also stated that my account was closed on XXXX of XXXX, and the last payment that they received was XX/XX/XXXX I asked several times are these dates accurate, and was told yes. I asked to speak with a supervisor ( XXXX ) which she told me I needed to call back and speak with someone in the credit dept since they were closed. I ask was the account open and active, she said yes. So I asked to place an order and was advised that their maybe a hard inquiry if I did, even though she said that my account was open and active. I find it very stressful, exhausting, and a bit frustrating at times to speak to so many different representatives and get different answers and reasons why my account is reporting late and nothing can be done. And now to look and my account is closed, so much more damage to my credit report, than that 30 day late now. Payment history, age of account, tradeline. It feels like retaliation to my calls and disputes. This claim is to get this issue corrected, and also to help anyone to avoid going through this situation. Thank you in advance.

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 2021-10-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To whom this may concern : I am writing this complaint, because I have been trying to get a 30 day late payment off of my credit report. XXXX 's has been reporting a late payment on my account since XX/XX/XXXX. I have disputed this issue with the credit bureaus, XXXX XXXX and Experian, it does not show up on XXXX. I have called and have spoke with several different representatives and have been told that this account can't be undated, corrected, or changed with them and was directed to the credit bureaus. And was told the same from Experian and XXXX XXXX both say verified in the response. I spoke with someone on XX/XX/XXXX and asked to have the notes from that conversation to be sent so I could include those in this complaint. As of XX/XX/XXXX. That is the day I started this claim, I checked my Experian account, and it is stated that my account with XXXX 's has been closed. It won't even show on my XXXX XXXXa account. I called, and spoke with XXXX, asked about notes from the XX/XX/XXXX call, she said no call was on file for that date. Ask no call? Was told the last time it shows I called was in XXXX of XXXX, she also stated that my account was closed on XXXX of XXXX, and the last payment that they received was XX/XX/XXXX I asked several times are these dates accurate, and was told yes. I asked to speak with a supervisor ( XXXX ) which she told me I needed to call back and speak with someone in the credit dept since they were closed. I ask was the account open and active, she said yes. So I asked to place an order and was advised that their maybe a hard inquiry if I did, even though she said that my account was open and active. I find it very stressful, exhausting, and a bit frustrating at times to speak to so many different representatives and get different answers and reasons why my account is reporting late and nothing can be done. And now to look and my account is closed, so much more damage to my credit report, than that 30 day late now. Payment history, age of account, tradeline. It feels like retaliation to my calls and disputes. This claim is to get this issue corrected, and also to help anyone to avoid going through this situation. Thank you in advance.

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 2021-10-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: MARINER FINANCE, LLC
State: CA

Complaint narrative:
I WAS APPROVED FOR A PERSONAL INSTALLMENT LOAN BY MARINER FINANCE OVER THE INTERNET. THEY THEN SENT ME THE LOAN DOCUMENTS WHICH I SIGNED VIA THE INTERNET. THEN THEY SENT ME A REQUEST FOR VERIFICATION OF SEVERAL ITEMS WHICH I FIND STRANGE AS I HAD ALREADY SIGNED THE LOAN DOCUMENTS. MY ANSWERS WERE CONFIDENTIAL SUCH AS SOCIAL SECURITY NUMBER, BANK ACCOUNT NUMBER, PROOF OF INCOME AND PERSONAL ITEMS. THEIR ADVERTISING STATED FUNDING WITHIN ONE DAY BUT I DID NOT HEAR BACK FROM THEM. OVER THE NEXT 4 DAYS I HAVE LEFT 4 VOICE MAIL MESSAGES FOR THE LOAN DEPARTMENT, 2 MESSAGES AT THEIR CORPORATE CUSTOMER SERVICE, XXXX MESSAGE AT A LOCAL BRANCH AND AN EMAIL TO THEIR CUSTOMER CUSTOMER SERVICE. I HAVE NOT RECEIVED A RESPONSE FROM ANY OF THESE EFFORTS AND I AM VERY UPSET. I AM ALSO CONCERNED WITH WHAT THEY WILL DO WITH MY CONFIDENTIAL INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: AL

Complaint narrative:
I uploaded a identity theft police report to all 3 credit bureaus. And no action has been taken. I want all these fraudulent accounts open up in XXXX XXXX Nevada removed from my credit file. These are not my accounts!!! I uploaded 15 years of Alabama drivers license. I never lived in Nevada. Please remove XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NEW MEXICO XXXX  XXXX  From my credit file Asap!

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 2021-10-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
CashNetUSA XXXX, has not contacted in me in a fair and consistent manner that other debt collectors would do, such as contacting via mail to ensure the validity of debt, explanation of charges, proper charging of interest, etc. CashNetUSA LLC, would not attempt to work with a Debt Management Plan, XXXX XXXX XXXX XXXX enrolled in XXXX, for the full principal balance through series of payments. On XX/XX/2021 at XXXXXXXX XXXX I received an email with a proposed offer to avoid collections and pay 50 % off, when chatting with XXXX, he said that my debt in total of {$1400.00} was sold to XXXX XXXX, XXXX on XX/XX/XXXX, so why did I receive an email? XXXX, stated this email was sent in error, I'm not buying that. nor did I receive a letter of intent to send debt to collection agency, and today XXXX XXXX XXXX, contacted my work phone number violating the Fair Debt Collection Practices Act, before even sending me a letter. I'm willing to work with CashNetUSA, but I am disputing the validity of debt as the stated amount is in upwards of {$200.00} and some change then previously accounted for and the right to cure was initiated sometime in XXXX or XXXX. When visiting XXXX XXXX website, I couldn't even find the case file. XXXX XXXX XXXX, also stated their client who I presume would be CashNetUsa, XXXX, stated that they would be moving to make a final recommendation with or without correspondence, such as it sounds like intimidation to me.

Company response to consumer: Closed with explanation