vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
II am a XXXX XXXX veteran ( XXXX and XXXX and XXXX ) I XXXX XXXX XXXX in war, my family and I going through rough times and XXXX hit us too and made things more hard for me and my family to live normal lives, we also have an XXXX son that my wife needs to be with 24/7 she can not work, I was also diagnosed with XXXX and on XXXX and Can not work, we been requesting a forbearance from our mortgage company serviced by Carrington for the last 2 months, we were on a forbearance and it was 3 months only and we asked to extend until we find a solution to find funds to help us pay this unpaid late mortgage to bring us back to normal payment, this servicer is keep denying the forbearance extension and refer out mortgage to XXXX  which is XXXX XXXX XXXX XXXX and there address is XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. they not only trying to foreclose on me but they hyped the up the mortgage balance XXXX what I owe to XXXX this is an outraged number and a big scam by this XXXX XXXX XXXX, please Carrington is making a mistake after a mistake trying to foreclose on me I been submitting the forbearance request over and over on line via the portal like I was instructed and keep denying it and not sending me any proof of why they keep denying the forbearance. Please I need my home, we have no where to live. my family and I have no money or other means or resources to financially support us. please help us please. thank you and god bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
Under 15 U.S. Code 1681 ( b ) Permissible purposes of consumer reports I never gave your company any written consent to report anything on my consumer reports no consent is identity theft Under 15 U.S. Code 1681 ( a ) ( 2 ) ( b ) Exclusions from a consumer report. This account is in violation any credit transaction supposed to be excluded from a consumer credit report, if a social security card was used for tranaction

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I had a XXXX credit score and for some reason commenity bank closed all of my accounts with them for no reason never late and paid all balances unfortunately doing this caused my credit score to plummet and then XXXX bank closed XXXX accounts all in good standing and paid balances this caused my credit score to plummet even more I dont understand how someone who pays all Bill 's on time and pays balances gets XXXX credit cards closed and has a credit score fall from XXXX to XXXX this is illegal I have seen more than XXXX complaints of commenity bank doing this to people who work hard to maintain high credit score it has ruined my life and I want something done

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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:
I have disputed a collection account with Experian and explained that the account belongs to someone else. The investigation took less than XXXX hours and the account was not removed. The was nothing from Experian explaining why the account remains and only place a comment " Disputed by the consumer ''

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 2021-11-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX ... XXXX have a car in my possession that's listed as a charge off on my credit since XX/XX/2020, they repoed it once and ended up giving it back once they realized that I was under a payment agreement/deferment and it should of never been repossessed however at that time they required me to pay like XXXX to XXXX payments desperate to keep vehicle I paided the large lump sum requested despite that being amount I really owed ar that time and then they stated account would stay as a charge off, since recovery I called the company several times in 2020 and each time the representatives would state they could not find any account for me via name, ss number or anything. Fast forward a year and half later i just received a phone call from them stating car out for repossession ( despite that car requires a transmission currently which I haven't been able to afford yet ) I explained to rep this was ludicrous to get a phone call out of the blue where I haven't got one form of communication since I regained possession of car nor was I given any information for payments or nothing. I stated I called them numerous times yet they stated they haven't received no calls in the colatorol department, They were very rude and stated car being repossessed and demanded I needed to pay around XXXX on a XXXX balance or try to refinance car ( credit score been took a major hit during XXXX and the complications I had trying to recover from a serious episode XXXX of XXXX  XXXX ) I really don't understand their practice or lack of care, like where can I just pull XXXX our of the air, the vehicle been parked due to transmission costing over XXXX and the economy is/was messed up. I just recently got out hospital again with complications to XXXX, suppose to be resting yet I received this call that made me completely stressed out for I was preparing to get back on track and fix vehicle so I can gain employment and financial stability, my credit has took a major hit. Like this has made me sick to my stomach I have wrote XXXX and XXXX  financial services on XXXX before and again they stated could not locate a account for me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I have disputed a collection account with XXXX and explained that the account belongs to someone else. The investigation took less than XXXX hours and the account was not removed. The was nothing from XXXX explaining why the account remains and only place a comment " Disputed by the consumer ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$380.00} XXXX XXXX  XXXX Balance : {$23000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$750.00} XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} ASCENDIUM XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} ASCENDIUM XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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:
My name is XXXX XXXX XXXX and I recently Apply for a business credit for my start up company XXXX XXXX through an online application with XXXX. I did not give XXXX permission to run my personal credit If in fact they did run my personal credit it was done without my consent. My company is a limited liability corporation in which I am 100 % stakeholder in and I do not sign personal guarantees on behalf of the company. This hard inquiry that was place on my Equifax credit report should be removed because I did not authorize them to run my personal credit. 

Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: OH

Complaint narrative:
After repeated attempts to dispute accounts that are not valid, both Experian and XXXX who have been hacked or breached, continue to report false information that is having a negative impact on my credit report. I have disputed negative inaccurate information with the companies as well as with each of the major credit reporting bureaus, initiated credit freezes and placed a fraud alert on my account and yet they continue to ignore the fact that the proper actions have been taken. It seems that every time I get my credit report that there is another account that is listed with negative information thereby having a major impact on my credit score. The fact that these XXXX companies, first XXXX, and now Experian have allowed my personal information to be exposed is like a slap in the face because of all of the places that could be hacked these XXXX should be the first ones that are willing to address the issues that I have submitted and be responsible enough to assist me in correcting the information that they allow to be placed on my account without proper verification. There are many inquiries that I have just been made aware of that definitely should not have been allowed to take place especially because I have made them aware of possible fraudulent activity and transactions that have occurred since the XXXX breach in 2017. Because I have not been able to resolve this problem I am filing this complaint with your agency and look forward to seeking help with the next course of action in order to proceed with repairing my credit and securing my personal information so that it remains private from now on.

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 2021-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
XX/XX/XXXX {$3000.00} was held in my account, and Venmo sent a email stating that funds would be released after XXXX  days. 


XX/XX/XXXX Venmo emailed me about my funds. I was directed to add a bank and transfer funds. 

After numerous attempts I still can not transfer my funds from Venmo, and representatives fail to answer calls or emails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-27 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: MI

Complaint narrative:
I recently checked my TransUnion credit report and noticed several unauthorized inquiries. I immediately called them to have them removed and placed a lock on my file. They failed to assist in removing these unverified inquiries from my report although I expressly told them I did not authorize these inquiries.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: C/C Financial
State: MI

Complaint narrative:
Preferred Lease, a rent-to-own company located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX is reporting a charge off on my credit report which I paid down initially. Once the account went into charge off status, I disputed its inaccuracy. Ive reached out to the company several times directly in order to solve this matter via phone and mail to no avail. I have to tried to make payments on it and set up payment plans to have it taken care of. After a while I was not able to get through to them. They repeatedly updated my account as charged off monthly, which is in violation of the FCRA and they denied me the opportunity to settle. I disputed this with XXXX to no avail. I would like this account immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: IL

Complaint narrative:
Yes I had An account with stride bank aka chime for roughly about a year give or take. I noticed an unauthorized transaction one day and I reported it promptly and followed the steps. Even though it was unauthorized they denied my claim and followed by insufficient evidence that didn't prove it was or wasent unauthorized. Then I noticed another small one here and there and tried in vain to notify chime and tell them my info he had to be compromised because there was more and more money that would just vanish out of my account. I received a deposit in XXXX for roughly XXXX from social security. Within XXXX days my balance was at XXXX and there just wasent any warning no call from bank, they shut my account down. I realized in horror there is XXXX plus gone from my account. The same transaction s had been coming out for months. Almost duplicate. I was in another town and money was taken XXXX miles away. I later discovered there is a second card you can use. A credit builder and there is a virtual card in the app. All the dispute s, all my money stolen and not one representative mentioned this too me cause obviously I could not figure out how it was bring done. Then all these transfers using pay friend app which I told them yes I authorize maybe XXXX the whole time which if you look at my statement clearly the culprit is in black and white and was still denied my dispute because my so called friend lived within XXXX miles even though XXXX ip addresses accessed my app there was no proof of unauthorized or fraudulent activity. I feel my bank failed me by not protecting my account and listening to me as a consumer. I have asked them to basically audit my checking and get to the bottom of this and dispute which transaction I know for sure I didn't do which as you will see it's very confusing.. O have even turned them in to the attorney general cause I feel they are doing nothing .I haven't heard anything on my disputed and I strongly believe chime the company itself has something to do with my missing funds just do to the fact that they denied almost every dispute but yet there was proof I didn't do it. If I'm FDIC insured who got that money. I believe chime is keeping it and denying consumer dispute. If not why haven't they done anything about my family 's funds?????

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: MI

Complaint narrative:
In the past I had a secured credit card with XXXX Bank. The card was eventually lost or stolen and charges were made on my behalf. The account was closed and reported as a charge off. Because the account was secured with {$250.00}, the balance of {$300.00} was reduced to {$58.00}. Although not responsible, I paid this balance in full. I contacted the creditor and asked for the account be updated correctly or removed completely as terms of our payment agreement to which they agreed. Months have gone by and they still report the account incorrectly per our agreement because it is still harming my credit. They continue to update this as a charge off. I would like the account to be removed completely from all my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: PA

Complaint narrative:
I have a US Bank Debit Card, and checking account. My checking account keeps locking my card! I called in and texted the fraud number amd emailed to unlock my card! My card remains locked and the bank apparently is refusing to unlock it! Pardon my lack of proffesionalism but this frigging ridiculous I want my card unlocked, monetary compensation from US Bank or I'm going else where with my buissness as this is the XXXX or XXXXXXXX time my debit card has done this this is also the XXXX or XXXX cfpb complaint issued on this subject! This also happened when I opened by account in XXXX! As stated I called in, emailed and sent in the text reply! Your fraud system is beyond hindrance to your customers!

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 2021-11-27 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: OH

Complaint narrative:
After repeated attempts to dispute accounts that are not valid, both XXXX and Equifaxs who have been hacked or breached, continue to report false information that is having a negative impact on my credit report. I have disputed negative inaccurate information with the companies as well as with each of the major credit reporting bureaus, initiated credit freezes and placed a fraud alert on my account and yet they continue to ignore the fact that the proper actions have been taken. It seems that every time I get my credit report that there is another account that is listed with negative information thereby having a major impact on my credit score. The fact that these two companies, first Equifaxs, and now XXXX have allowed my personal information to be exposed is like a slap in the face because of all of the places that could be hacked these two should be the first ones that are willing to address the issues that I have submitted and be responsible enough to assist me in correcting the information that they allow to be placed on my account without proper verification. There are many inquiries that I have just been made aware of that definitely should not have been allowed to take place especially because I have made them aware of possible fraudulent activity and transactions that have occurred since the Equifax breach in 2017. Because I have not been able to resolve this problem I am filing this complaint with your agency and look forward to seeking help with the next course of action in order to proceed with repairing my credit and securing my personal information so that it remains private from now on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: TX

Complaint narrative:
I had a loan serviced by XXXX which I had complained earlier about taking almost a year to clear the forbearance issue. They placed the payments at the end of the mortgage after I cleared forbearance then even gave me a higher interest rate. At the end of the process they sold my mortgage to Midland Mortgage after I complied with all of their requests. Now Midland Mortgage who JUST took over the loan XX/XX/XXXX is telling me that I owe them a {$1000.00} payment for XXXX of 2021 when the loan was with XXXX and I complied 100 % with Dovenmuhle during the process and XXXX told me that ALL I had to do was pick up the new payment this month with Midland. I feel that Im a victim of both Midland Mortgage and XXXX who both did a very poor and unprofessional job. I should not owe Midland Mortgage for a forbearance that was approved and negotiated with XXXX. Midland just took over the mortgage XX/XX/XXXX so how am I responsible for XX/XX/XXXX when XXXX approved this already?

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