vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
I had a mortgage and escrow account with Freedom Mortgage ( https : //www.freedommortgage.com/contact ) for my condo. I paid all my monthly bills on time but they never paid the 2021 second half property tax for my property. I called them immediately after I found the issue and learned that they used the money in my escrow account and paid the tax of a *wrong* property that is not owned by us. 

I filed several notice of errors with them, they replied my mails with unrelated information but they never corrected the error. I had to pay for my property tax as well as the penalties and interests myself. 

Now they transferred my mortgage to another company and they refuse to correct their mistake by saying " the service has been transferred to another 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 2022-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I called into Wells Fargo Bank on XX/XX/2022 to issue a stop payment. They charged me a fee of {$31.00} and the stop payment was never enforced. I went into the branch to close my account and open a new account and was told that the pending transactions were on hold and the account would automatically close once the transactions were cleared. Wells Fargo deducted {$38.00} from my account on the following day XX/XX/2022. When I called to question the withdrawal they admitted it was an error on their part and stated they would return the amount. In the process it made my account a negative for a {$210.00} pending transaction. My payment was returned with insufficient funds fee and a return check fee from the company. I went into the branch again on XX/XX/2022 because my account was closed and there was a remaining balance of {$260.00} and it was not transferred to the new account, or to my joint account. The transaction was described as " PAY OFF DEBT NON INTEREST WITHOUT FEE '' I asked what this consisted of and nobody had ever saw this type of transaction before. I stayed at the branch for 2 hours but to no avail they did not know where my money was. I have filed complaint after complaint. I call every day and I speak to several customer service reps and no one can tell me where my money is and they all say the same thing, " They can not issue me my money '' They are investigating my account to see where my money went. They clearly took the money out of my account and refuse to give it back. They said it could be up to six weeks for them to find my money and issue me a cashiers check if they find it. This is clearly a case of THEFT and FRAUD. The people assigned to my case has not been to work since the case was started on XX/XX/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 2022-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc.
State: VA

Complaint narrative:
My account was frozen about a month ago and the way I found out was via the message on top of the bank section of the app. It asks me to contact the fraud prevention team to resolve the matter. I have left several voice-mails between every few days and no one has returned any of my calls. Any attempts to reach someone through the Sofi app have resulted in being automatically redirected to the fraud prevention team who has not returned my calls. I tried their online chat, the system automatically stop proceeding any further and asked me to contact the fraud prevention team. I tried their XXXX support direct message, no one responds. Calling for banking support personnel resulted me getting directed to leave a voice mail to the fraud prevention team then wait. Banking support said there's nothing else they can do. After numerous complaints they finally called but I missed the call. I immediately called back to leave the message hoping to get them to call me back but to no avail to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  XXXX acct XXXX, XXXX XXXX XXXX violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have had many issues with Equifax and their credit reporting errors and issues. I am never able to request a free copy of my credit report because each time that I attempt to Equifax has me send them proof of identity. Then, each time that I do so there still continues to be errors or issues either preventing my access to MY credit profile with their company and the right to file a dispute of erroneous information due to these continuous roadblock tactics. Today, I attempted to begin a dispute on an account that has since been deleted with other bureaus for inaccuracy, yet was told I have a NH ( no hit ) credit profile. This meaning that I don't have a credit profile at all, which can't be true if I check my Equifax credit profile and am able to see all of current credit accounts, along with ones that are inaccurate and fraudulent. The account in questions is XXXX XXXX XXXX for a XXXX XXXX account that I never owned, nor was ever contacted by them about opened in XXXX of XXXX, without my knowledge and then appeared on my credit report out of nowhere in XXXX of this year ( XXXX ). I have disputed it with other credit bureaus and it has since been deleted. However, am unable to do so with Equifax due to their constant credit profile roadblock tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: MN

Complaint narrative:
I have contact Equifax XXXX and XXXX about the inquiries and names and debts on this account being wrong multiple times with no resolution. The sad part is Equifax sent a check to me back in XX/XX/2019 for {$16.00} for a refund for their bad marketing practices with an agreement from your company ( CFPB ), and it bounced and the company XXXX : which I used to cash the check to go directly to my account ended up charging me {$51.00}. These people are not verifying anything. I sent them my verified real spelled out name, updated my address, phone #, work info along with my ID and SS card to verify myself. Those debt accounts, misspelled names and addresses are not mine and belong to someone else. 
I'm not aware of these accounts and they are being reported as fraudulent accounts. I contacted the companies who could not verify my SS # stating they don't know it. I contacted Equifax, XXXX, and XXXX who clams it was all verified. How can any of them claim I was verified when the companies don't know my SS #. I was contacted through their website. They have several misspelled names and addresses I never lived at and DOB that was breached. this is this has left my credit damaged big time. Not able to get things. By the way I sent certified letters to all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
I was in a accident XX/XX/XXXX. In XX/XX/XXXX the insurance company stated that my vehicle has been considered a total loss. I called my lien holder and advised them what was going on. On XX/XX/XXXX I received documents from the insurance company via XXXX stating they would be paying the car off and assuming responsibility. Then a third party company ( XXXX  ) came and picked the car up. I reached out to the lender again to update them and ask if anything else was needed of me. They stated that they had been in communication with the insurance company and were aware of the pending payoff and nothing was needed of me. 2 months passed then I noticed my credit score had dropped drastically. I called the lender to see why and was advised the payoff still had not been Received. I called the insurance company and was told it was pending. I received a check from the insurance company for the surplus After the payoff which prompted me to call them again and they advised they still see it pending but hasnt been received. Now I went to apply for another vehicle and was advised this is showing up as a repo. I called the Insurance company who advised me that the check had been sent and had been cashed by the lender. They sent a copy of the check as well as a email indicating this was paid off. I then called the lender and spoke to a person who explained they did not receive a check until XX/XX/XXXX which is when they chose to charge the car off. They stated it was not a repossession but a charge off. I asked how this could be charged off if they receive a full payment? They stated because they had waited so long for the payment. I requested that they report this information correctly showing the car was paid off or return the funds since they are reporting that they did not get payment for that vehicle. They stated they would not. I advised that they were committing fraud because they are lying stating they had to charge a vehicle off when they actually received a payment and could be sued as well as audited from the IRS for tax fraud. That is when they said they would have someone give me a call, but I have yet to receive a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Fidelity Properties Inc.
State: OH

Complaint narrative:
I recently obtained a copy of my credit report. Shockingly there were 7 different accounts placed in collections by the same company on different dates for varying amounts that I was never sent a bill or account statement for. Fidelity properties INC which I believe collects for XXXX XXXX. None of these dates coincide with medical treatment that I have received and the amounts make no sense. XX/XX/XXXX there are 2 accounts one for {$100.00} and the other for {$160.00}. XX/XX/XXXX has 3 separate collections accounts listed from the same place {$160.00}, {$180.00}, {$220.00}???? I did not get any type of medical treatment 3 times in one day! Nor did I get any treatment at all. No bills, just showed up on my credit report. My credit has been significantly destroyed by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Wells Fargo Bank , N.A . ( address : XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX ) was pursuing me for four year old credit card debt. This case was eventually brought before a judge on XX/XX/2020, and I represented myself pro se in the case vs. the company 's lawyers. The case was dismissed by the judge ( on the court docket it says 'Dismissed by Court XXXX ). After this, Wells Fargo stopped pursuing me for this debt. However, Wells Fargo is still updating my credit report each month regarding this debt. I would like Wells Fargo to respect the judge 's decision and cease reporting this dismissed debt to my credit report. I have tried to contact both Wells Fargo and the company 's legal firm on numerous occasions via phone and email, but I have not received a response.

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 2022-05-25 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: Kikoff Inc.
State: LA

Complaint narrative:
Im in EBB program and i never received internet

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: FC HoldCo LLC
State: MD

Complaint narrative:
***THERE WAS A TYPO IN PREVIOUSLY SUBMITTED CASE : XXXX : IN GOOD FAITH, I AM RE-SUBMITTING THE CASE. THESE ARE NOT NEW ISSUES FROM THE PREVIOUSLY SUBMITTED CASE. *** Flagship Credit Acceptance LLC, ( Flagship ) is a corporation with principal offices at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX. Flagship is a creditor who, in the process of collecting the reported debt, altered its name and account numbers which indicates a third person is collecting or attempting to collect such debts and is therefore a debt collector as defined by 15 U.S.C. 1692a ( 6 ). 

XXXX : I did NOT receive an installment loan from Flagship with payment terms of 1 month. XXXX : I did NOT receive an installment loan from Flagship on XX/XX/2013 with a 68 month repayment term. I did NOT receive an installment loan from Flagship on XX/XX/2013 with a 68 month repayment term. 

Flagship violated the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ) by continuing the Flagship Vehicle Debt Account representation within my credit file with the Credit Bureau XXXX and by failing to permanently and lawfully correct its own internal records to prevent the re-reporting of the Flagship Vehicle Debt Account representations to the consumer reporting agencies. As a result of this conduct, action, and inaction of Flagship, I suffered damage by loss of credit ; loss of the ability to purchase and benefit from credit ; and the mental and emotional pain, anguish, humiliation, and embarrassment from losing my job due to the inaccuracies. I have disputed Flagship multiple time and successfully removed the incorrect/unverifiable information from 2 out of the 3 consumer reporting agencies. As a result, Flagship altered the account number to make it look at though I have 2 charged off accounts. The furnisher has not been able to provide 100 % accurate documentation and used deception to try to collect on this debt. I am requesting these aforementioned accounts be deleted from my credit profile.

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 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Kriya Capital, LLC
State: CT

Complaint narrative:
I have had many issues with XXXX and their credit reporting errors and issues. I am never able to request a free copy of my credit report because each time that I attempt to XXXX has me send them proof of identity. Then, each time that I do so there still continues to be errors or issues either preventing my access to MY credit profile with their company and the right to file a dispute of erroneous information due to these continuous roadblock tactics. Today, I attempted to begin a dispute on an account that has since been deleted with other bureaus for inaccuracy, yet was told I have a NH ( no hit ) credit profile. This meaning that I don't have a credit profile at all, which can't be true if I check my XXXX credit profile and am able to see all of current credit accounts, along with ones that are inaccurate and fraudulent. The account in questions is Credence Resource Management for a XXXX XXXX account that I never owned, nor was ever contacted by them about opened in XXXX of XXXX, without my knowledge and then appeared on my credit report out of nowhere in XXXX of this year ( XXXX ). I have disputed it with other credit bureaus and it has since been deleted. However, am unable to do so with XXXX due to their constant credit profile roadblock tactics.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Marlette Funding, LLC
State: CA

Complaint narrative:
I paid XXXX by check to Best Egg Card Services. My bank mailed the check to their office. The check was cashed and never applied to my account. 

The following was their response : Thank you for contacting Best Egg. In looking at the attached, it appears your check was cashed by XXXX, and not received by Best Egg. You may want to reach out to them as to the status of your funds. If you have any questions or concerns regarding this matter, please contact us at ( XXXX ) XXXX. 

This is what I wrote back : I don't understand. I mailed it to this address last month and it was applied to my account no problem. Is this not your mailing address? If someone else got a hold of my check at your address then don't you need to do sue diligence and figure out who is taking checks from your business and where they are going? Please help me understand as your answer is very vague. 

This was their response : I am reaching out to our payment processor to identify how the check was cashed by XXXX but intended for Best Egg. Once the research is completed, and we are provided the funds we will back date the application. We will be in touch shortly. 

I have not heard back despite my best efforts and have yet to be credited almost two months later. Someone stole my check from the office and cashed it. I want a credit as the error and issue is on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On my credit report a public record labeled " XXXX XXXX CT TN XXXX '' is allegedly being reported from the XXXX XXXX XXXX Tennessee in XXXX. When I contacted that court, they responded via a letter, which is attached, stating that they do not report to any of the credit bureaus. The credit bureaus are reporting that the furnisher of this information is the XXXX XXXX XXXX Tennessee. The credit bureau either made a mistake or is blatantly lying. Either way, this information is inaccurate and I demand that it is removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25 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: TN

Complaint narrative:
On my credit report a public record labeled " US BKPT CT TN XXXX '' is allegedly being reported from the USBK Court XXXX Tennessee in XXXX. When I contacted that court, they responded via a letter, which is attached, stating that they do not report to any of the credit bureaus. The credit bureaus are reporting that the furnisher of this information is the USBK Court XXXX Tennessee. The credit bureau either made a mistake or is blatantly lying. Either way, this information is inaccurate and I demand that it is removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX. ( address : XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX ) was pursuing me for four year old credit card debt. This case was eventually brought before a judge on XX/XX/2020, and I represented myself pro se in the case vs. the company 's lawyers. The case was dismissed by the judge ( on the court docket it says 'Dismissed by Court ' ). After this, XXXX XXXX stopped pursuing me for this debt. However, XXXX XXXX is still updating my credit report each month regarding this debt. I would like XXXX XXXX to respect the judge 's decision and cease reporting this dismissed debt to my credit report. I have tried to contact both XXXX XXXX and the company 's legal firm on numerous occasions via phone and email, but I have not received a response.

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 2022-05-25 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: DC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXXXX. ( address : XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX ) was pursuing me for four year old credit card debt. This case was eventually brought before a judge on XX/XX/2020, and I represented myself pro se in the case vs. the company 's lawyers. The case was dismissed by the judge ( on the court docket it says 'Dismissed by Court ' ). After this, XXXX XXXX stopped pursuing me for this debt. However, XXXX XXXX is still updating my credit report each month regarding this debt. I would like XXXX XXXX to respect the judge 's decision and cease reporting this dismissed debt to my credit report. I have tried to contact both XXXX XXXX and the company 's legal firm on numerous occasions via phone and email, but I have not received a response.

Company response to consumer: Closed with explanation