vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/21 I sent correspondance identifie all inaccurate items. As of today over 45 days later I have not received any communication. I feel like Im on a hamster wheel with this issue. I recently found out my information was compromised in the XXXX  data breach and now more than ever I feel my information may have fallen into the wrong hands. I ask for your assistance to get these erroneous/inaccurate items removed from my report.

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 2021-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had a balance of {$48000.00} in my account. Chase Bank closed my account on XX/XX/XXXX without notice. I have been very patient with them. As of today I still have not received a check for the balance that was in the account. I have called several times and told that account is under investigation with no reason why. 

The calls are as follows, with each call being around an hour : XX/XX/XXXX Account still under investigation call back next week. 

XX/XX/XXXX Account still under investigation call back in 2 weeks. 

XX/XX/XXXX Account still under investigation. The department investigating can not be called. Was told in can take 90 days from closure to complete. I asked for them to send copies of my bank statements. 

XX/XX/XXXX Account still under investigation. The department investigating can not be called. Was told they can take how long they want to complete the investigation. 

XX/XX/XXXX. Went into the Chase Branch on XXXX XXXX XXXX in XXXX, LA XXXX Spoke with XXXX and XXXX XXXX. Stayed there for over an hour. 
They called and was on hold as well, finally spoke with someone stating that the investigation was complete but they were no notes to tell them what to do with the funds, but I will receive something in one week and they would email. 

XX/XX/XXXX. Went back to the bank, they said they never received an update. 

XX/XX/XXXX Called in and received the same response. Asked to speak with the supervisor. Threatened to sue and received the legal team address to send lawsuit. 

XX/XX/XXXX. Went back to the bank, they said they never received an update. 

XX/XX/XXXX. A check was mailed to me for {$4000.00} stating that it was the balance of my closed account. I never cashed this check because it is not the balance. 

XX/XX/XXXX. Account is still under investigation and they have no further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
On XXXX 2020 I informed Ombudsman XXXX XXXX wh I have be working with that Tax buyer purchases the taxes and redemption will expire on XXXX XXXX,2021. 

Now, the last document requested was a corrected Hud XXXX from my Short Sale XXXX. 

I did submit that to SPS. Now I have passed my redemption period. 

I informed the tax buyer I had a contract waiting on my short sale approval and I have yet to get the approval after I was told by XXXX in the Ombudsman department that the only thing needed was the corrected XXXX from the title company. 

Now I have been impacted by the Covid 19 and have been getting assistance from my son and family members. 

And I am not getting a dime out of this property no benefit to me. I am just trying to help my investor who will be receiving monetary reward of {$10000.00}. 

However, my buyer is getting cold feet now because its one thing after another. 

Please see Attached documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: Vouch Financial Inc.
State: TX

Complaint narrative:
I took out a loan from Vouch financial on their website ( vouch.com ) in 2015. At first, everything was fine with all payments being made on time. However, approximately 3 months before the end of my loan the website went offline, automatic withdrawals stopped, and there was no phone number to contact Vouch financial. At the time I thought they went out of business, literally. I have attempted to contact them with no success, and no means to resolve this issue. There was no listing for Vouch financial, and no method published to resolve any open account anyone may have had with thrm. I was pretty sure Vouch financial went under. Now the account shows 4 YEARS LATE on my credit report. This is a major issue and is preventing me from purchasing a house. This is borderline criminal behavior by Vouch financial since they did not make any effort and provided me NO WAY to actually pay the loan after their website went offline.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
Unknown to us when we modified in XXXX lender added XXXX to deferred principal for a principal reduction they applied in XXXX 2014. Our acct history sheet did not provide this information. 
We did not receive modification breakdown until XXXX 2030 and XXXX 2021 which showed this principal reduction being added to our deferred principal which for over 20 years we would be charged interest on. 
Why would anyone want to increase expenses through modification which would not help them financially

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Wells Fargo false accused me of owing a debt I did not owe! I HAD A SECURE card in 2016 the account was closed & Wells Fargo report wrong and inaccurate information on my credit report which lead me to pay a debt I did not owe!!! I have attached documents to prove I did not owe a debt when the account was closed!!! I demand Wells Fargo & the collection agency & credit bureau send me proof of the debt!

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 2021-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX XXXX false accused me of owing a debt I did not owe! I HAD A SECURE card in 2016 the account was closed & XXXX XXXX report wrong and inaccurate information on my credit report which lead me to pay a debt I did not owe!!! I have attached documents to prove I did not owe a debt when the account was closed!!! I demand XXXX XXXX & the collection agency & credit bureau send me proof of the debt!

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 2021-03-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: MI

Complaint narrative:
The last payment was in XXXX  of 2014 According to Michigan law, your creditor has up to 6 years ( from the date of your last payment ) to collect on a debt. I have let the borrower Westlake financial know that I was aware of this several times yet there still willful not compliance

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 2021-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
I Started a refinance for my property with Freedom Mortgage, I was told i will get interest rate of 3.5 % and will have to pay 0.5 point only. 
then we went with the process and kept sending all documents they needed promptly, I kept sending them follow up email, text messages and calls to get updated on progress. finally about 15 days ago they ordered the appraisal and i had to pay for it, as soon as the appraisal result came back they said we are ready to close but i have to pay 1.5 point to keep the rate of 3.5 % .... 
I complained to management who couldn't explain why i would pay 1 point more except that rates had changed and i have to pay more. 
Now i was locked for the rate and percentage agreed on but it was expired because they didn't keep working on my file .. they didn't even mention that change on the terms before i had to pay for appraisal fees. 
I had called them many time asking to either give me the promised rate and points or refund the appraisal fee as it was not my fault it was their fault, the completely ignored my request and send me a CD for closing on their higher points. 
It feels very unfair that i was sending documents so many times because they taking long time and they always need updated documents, lose the opportunity to REFI with other Banks while Rates were still low and paying {$670.00} for an appraisal that i didn't but only for their Refi. 
and the bank doesn't want to help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
Affirm extended loans to consumers for XXXX XXXX XXXX. XXXX was scamming consumers by shipping them defective products or by refusing to ship the products at all once paid through third-party-financer Affirm. Affirm failed to do its due diligence against XXXX prior to extending third-party financing to consumers. XXXX likely could not have operated this scam without Affirm. Yet, Affirm continues to collect on these debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: VA

Complaint narrative:
I apply in XXXX for a refi. with amerisave mortgage co. they slow walk this until XX/XX/XXXXto till me my apps. was exp. wish was done in XXXX. But the mouth  before i was told everthing looked good and we were going to close. My acct. # XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-19 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:
Equifax ; XXXX  and XXXX  should not be reporting the XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX as ( 120 ) days late. These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and all of the line items listed above need to be removed from my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these items however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: CA

Complaint narrative:
Recently a collection was added to my account for {$650.00} and it isnt me I tried to tell transunion but they dont care I guess they just want to pin the bill to someone I have never had cable in XXXX so Im not sure how this is possible please help me I was barley getting my credit score to XXXX and now it was knocked down to XXXXand no matter what I do i cant get me credit score back I go to XXXX college and will need good credit to get student loans. Ive never applied for cable or have had cable or anything in my name in XXXX county.

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 2021-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX XXXX false accused me of owing a debt I did not owe! I HAD A SECURE card in 2016 the account was closed & XXXX XXXX report wrong and inaccurate information on my credit report which lead me to pay a debt I did not owe!!! I have attached documents to prove I did not owe a debt when the account was closed!!! I demand XXXX XXXX & the collection agency & credit bureau send me proof of the debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: FL

Complaint narrative:
I have a credit card through my credit union XXXX XXXX XXXX the name of the card servicer is Elan Financial services. My payment is due every month on the XXXX. I am on time with making payments on the XXXX of every month. However, it appears I am still being charged a late fee and an over the limit fee every month. At this point, I called them and tried to get this resolved. However, they said even though I paid on time, the payment posted after the due date. I don't feel this is fair because- if the payment is made on the due date- why should I be charged all these fees? They are taking advantage of me and causing me financial distress- not to mention this card is ruining my credit worthiness.

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 2021-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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:
XXXX  ; XXXX  and Transunion should not be reporting the XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX as ( 120 ) days late. These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and all of the line items listed above need to be removed from my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these items however, I have not been successful.

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 2021-03-19 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX  ; Experian and XXXX  should not be reporting the XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX as ( 120 ) days late. These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and all of the line items listed above need to be removed from my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these items however, I have not been successful.

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 2021-03-19 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I FILED A DISPUTE LAST XX/XX/2021 WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 42 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY 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 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Marlette Funding, LLC
State: LA

Complaint narrative:
This adress never been use by me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMA Advisors, LLC.
State: TX

Complaint narrative:
Ive been applying for a loan modification with Homebridge since XX/XX/XXXX. Ive had to submit multiple complaints to them in order to try and receive any help but still none. They finally approve me for a loan modification XX/XX/XXXX. I sign My agreement and send it back to them via XXXX certified mail. Tracking # XXXX. This shows signed for my Homebridge on XX/XX/XXXX at XXXX. I just Received a letter in the mail with my trial payment returned and them stating they never received my agreement signed. This process is very frustrating and this company does not know what they are doing. Im on the phone with an associate now saying my modification is denied. This is complete and utter nonsense!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
Recently a collection was added to my account for {$650.00} and it isnt me I tried to tell transunion but they dont care I guess they just want to pin the bill to someone I have never had cable in XXXX so Im not sure how this is possible please help me I was barley getting my credit score to XXXX and now it was knocked down to XXXXand no matter what I do i cant get me credit score back I go to XXXX college and will need good credit to get student loans. Ive never applied for cable or have had cable or anything in my name in XXXX county.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: World Acceptance Corporation
State: GA

Complaint narrative:
I have written to World Finance not to contact me. See the attached letter from their corporate office, XXXX XXXX ( Government Relations Manager ), which confirms that they are not supposed to contact me. The letter clearly states that the account has been notated not to call and employees have been instructed not to call me. Well, an employee ( XXXX from the office in XXXX, GA ) called me on XX/XX/2021 at XXXX est. This is a problem. The company should not still be contacting me. I am going to escalate this to the attorney general 's office if this continues. The company is also still reporting an incorrect balance on my credit report.

Company response to consumer: Closed with explanation