vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: AR

Complaint narrative:
Our loan was transferred from XXXX  to FlagStar in XX/XX/2022. Our autopay to XXXX continued until XX/XX/2022 and Flagstar collected those payments. We were not notified of this loan transfer. We do not receive mail at the physical address and had advised XXXX we require electronic notices. We could not know we were falling behind because the auto payment continued as usual until they abruptly stopped. We discovered via our credit report. 

We called Flagstar on XX/XX/2022, and they could not offer any assistance or explanation, so we paid three mortgage payments on XX/XX/XXXX. The website reflected the payment as accepted. 

When we logged back on to the portal this month, the portal no longer indicates those payments. They were deleted. We made those three payments again today, XX/XX/XXXX. The portal reflected as accepted. Then we received a text that the payment failed. We called Flagstar again. The representative XXXX, last name unknown, said we dont know nothing. That is a direct quote. She said they had no record of is ever making payments. We advised her we had texts FROM FLAGSTAR advising us to call this very number to get it resolved. We asked to speak to her supervisor and she said Im telling you nobody here knows nothing. When we finally persuaded her to speak to a manager, SHE spoke with the manager and came back and said we couldnt pay online becomes we were behind. So clearly her manager was able to determine the sissies nut not resolve it. Her manager would not speak to us. 

She said we would have to wait and see if the portal worked someday. When we advised this was not acceptable, she said all she could do was put in another payment because she dont know why Flagstar does it that way. Now our credit is ruined. We have sufficient funds to pay all payments and have never been unable to pay. We simply need Flagstar to accept the payments. We need to have this false credit reporting removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA

Complaint narrative:
I own a rental property that has two separate buildings, as such I am required to have two separate rental property/homeowner policies. I have send multiple emails, letters, and have had multiple phone calls with the company about this. They have sent me confirmation previously that they understand this. They have currently sent me a notice that they are paying multiple insurance companies, which is inaccurate. On multiple occasions, they continually send me notices that I have insufficient insurance and will be canceling my insurance ( XXXX ) and forcing me to pay for their overpriced insurance. This has happened on multiple occasions, at least yearly, and I am usually forced to call to fix. At this point, there is no way to contact any customer service agents at XXXX, at all, I have tried calling two to three times a day, at multiple numbers, for a week now, and I received nothing but automated systems and responses, with no way to speak to anyone. The contact form on their website sends an automated response, ensuring contact within 48 hours, its been over a week and I've tried twice, no one has addressed the issue, and I have no ability to contact anyone at the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Credit Management Inc reached out to me, behind the creditors, XXXX, back to call me so I can make a payment, and said I had NO option and no settlement even if this is or isn't my account. Now, I was told that I can make payments, and they will NOT add my account on my credit report, and I was a little skeptical but felt like let me pay something so I don't get in trouble ; but they also told me that I HAVE to pay and it will only be {$62.00} bi-weekly so they don't add it on my credit report. I am not liable for this debt with Midland Credit Inc and do not have a contract with XXXX. They do not provide me with the original application like I asked, so I want to get this settled so they can STOP taking my money out of my bank account. I did STOP the payments because something seems off about their methods so I want to get this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
BMW financial > 5-7 years of credit history with BMW finance in good standing. 
ex-spouse crashed vehicle in auto accident and auto insurer ( XXXX ) did not pay off totaled vehicle. 
I personally adsorbed the debt and rolled into a new car loan during that time. I could not sustain the heavy monthly car payments > {$1200.00} per month. vehicle was re-possessed and sold at auction. 

adsorbent amount of money still owed on the loan and I have been unable to purchase a vehicle due to the reported outstanding BMW debt and poor credit .... 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: CA

Complaint narrative:
Friday XX/XX/2022 XXXX am XXXX charged my CHIME Card XXXX XXXX 
I did not make this purchase. 
I filed a claim and disputed the transaction twice only to be denied. 
I will include my email i sent to CHIME SUPPORT ( i was told to do from a representative at CHIME ) after I WAS denied the first time. 


My name is XXXX XXXX XXXX dispute claim #. I was recently charged XXXX from a online grocery store called XXXX. 
CHIME has denied my claim. This is unacceptable. I did not make that charge! I deposited XXXX at a XXXX to make a cell phone payment that was past due and reconnect my service, when I was told the card was not going through. I had justade that deposit and upon checking the app, XXXX was charged. 
I have no clue what XXXX is????? I did not use my card at all for that. 
It says it's based out of Pennsylvania? I live in XXXX XXXX! 
I then had to deposit more funds that same day to get my cell phone on. 
While on the phone with XXXX I made sure they did not run the card until I told them I just made the deposit and charge to avoid any other breaches to take my hard earned money. 
I am now completely terrified to deposit any money to that card, and i pay important bills with it. Not only will someone possibly make a fraudulent Charge, CHIME does a lazy investigation only to denie my claim? 
I need every dollar I make, and to have XXXX dollars stolen and then being told there were was nothing CHIME can do is absolutely unacceptable! 
Someone need to help me. I'm an honest person only trying to pay my bills, and CHIME has allowed a breach and has does nothing for me when I need the help. 
All I want is my money back. Do whatever you have to do. Check where the card was ran, do something. But I did not make that charge and want this resolved ASAP. 
My funds are limited and I need that money. Thank you. Please contact me with good news. This is entirely unfair. I can provide any information needed with honesty. But indid not make that charge!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: FL

Complaint narrative:
SERIOUSLY DELINQUENT STATEMENT ON REPORT BY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: FL

Complaint narrative:
SERIOUSLY DELINQUENT STATEMENT ON REPORT BY XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: SC

Complaint narrative:
Equifax, XXXX, and XXXX are all reporting inaccurate information on my credit profile, which is causing major damage to my credit history. The credit bureaus have stated they did a thorough investigation, but I find that hard to believe because I am still finding inaccuracies being reported. They are reporting different information, and this is illegal. If an accurate investigation was done, why are the account status, high credit limits, and dates of last activity different from the other? Shouldn't they all be reporting the exact same information if it was deemed accurate and properly investigated? I have attached screenshots along with the inaccuracies I found are highlighted. I am requesting the following account be removed immediately due to inaccurate reporting, proving the credit bureaus did not properly verify the inaccuracies that I have recently disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: SC

Complaint narrative:
XXXX, XXXX, and Experian are all reporting inaccurate information on my credit profile, which is causing major damage to my credit history. The credit bureaus have stated they did a thorough investigation, but I find that hard to believe because I am still finding inaccuracies being reported. They are reporting different information, and this is illegal. If an accurate investigation was done, why are the account status, high credit limits, and dates of last activity different from the other? Shouldn't they all be reporting the exact same information if it was deemed accurate and properly investigated? I have attached screenshots along with the inaccuracies I found are highlighted. I am requesting the following account be removed immediately due to inaccurate reporting, proving the credit bureaus did not properly verify the inaccuracies that I have recently disputed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
In XXXX, my mother, who lives at the same address, sent a letter to Comenity Bank, indicating that she wanted to close her XXXXXXXX XXXX Card. Unfortunately, we have sold our home since that time and are in temporary housing and we can not locate a copy of the letter. However, Comenity Bank should have a copy of the letter in their files. 

I have made some attempts to order through the XXXX website which were unsuccessful. I kept getting a Token mismatch error, which I thought was a website problem. Finally, a XXXX representative told me to call the credit card company. It took me a couple of weeks to do so due to the fact that I was in the middle of selling my house and vacating the premises. When I inquired of Comenity, they told me that my card was shut down. 

At that point, I knew that they had mixed up my mom 's request to shut down her card, and had shut down my card instead. 

I asked them to reopen my card. Comenity says they can't do this. I will have to reapply for a new card. I will lose all my status with XXXX ( free shipping, points status, etc. ) A new card is not the same as my old card. This is not apples to apples. 

This is Comenity 's mistake. My mom 's letter contained her name and credit card number. There is NO reason why my card should have been shut down. I have been a 15 year customer for Comenity. Also, my Mom 's account, is still open and she wanted it closed down. 

( Now, I wish that I had realized Comenity 's mistake earlier, but I had a good deal going on in my personal life with selling and buying a house and moving from XXXX state to another. Comenity seems to blame this on me, because I should have notified them earlier. I think that is very poor customer service. ) I did talk to a nice manager, XXXX, today, but she was unable to offer any guarantee that the issue would be resolved favorably. This needs to go to an executive to be resolved, so I am filing the CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
Hello, each month I send my insurance payments via my bank to USAA and coincidentally about every 3-6 months, USAA claims that they did not receive the payment and charges a {$25.00} late fee. The most recent incident took place XX/XX/2022. After learning that my payment was not received, I called my bank and conferenced a call with USAA to verifying that my XXXX payment was made. USAA claimed that they would research and get back to me regarding the payment and the waiving of the {$25.00}. Yesterday, I received an email stating that my account was behind and will be cancelled. I call on XX/XX/2022, to find out what had taken place and they said that my XXXX payment was never received. I told them that I will make the XXXX payment ; however, I refuse to pay the {$25.00} late fee. They are refusing to remove the late fee because they said that they had already removed XXXX -- which by the way was caused by the same " missing '' payments routine. 

It is my belief that USAA is purposely misplacing payments so that they can charge their clients unnecessary {$25.00} late fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account XXXX XXXX has violated my rights. 
XXXX XXXX XXXXXXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: MD

Complaint narrative:
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX All these inquiries are causing an immense hardship on my life. Per the FDCPA, FCRA, TILA and 18 USC 2265. 
An account needs to be established with full faith and credit or deleted off my consumer report. I do not authorized in use of my credit without there being a benefit to my person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01 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: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
Due to my identity previously being stolen fraudulent accounts periodically appear on my credit report. The account is fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There has been an initial & extended Fraud alert applied to my Credit report. This is the current status at XXXX, XXXX & Equifax credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There has been an initial & extended Fraud alert applied to my Credit report. This is the current status at XXXX, Experian & XXXX credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01 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: NJ

Complaint narrative:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01 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: MD

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX. {$5800.00} I have no knowledge who this is or why it's even reporting on my credit. I have asked several times to provide a validation or verification and my request hasn't been honored. 
XXXX XXXX XXXX. {$290.00} I have no knowledge of this account or the original creditor. I did not agree to do business with this company. 
US Department OF Education {$1500.00}, {$1500.00}, {$2100.00}. 
I have no knowledge of this account or ever doing business with this company or person. The debt never was validated or verified. I have never received any thing from this company nor have I released my authorization for anything.

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