vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
We were erroneously reported as 30 days late to the credit bureaus. We did not make a late payment ( nor have we ever made a late payment in our history of owning a home ) and disputed this with Freedom Mortgage. 

Timeline of Events XXXX Mortgage Payment : Posted on XX/XX/XXXX XXXX Mortgage Payment : Posted on XX/XX/XXXX Thu, XX/XX/XXXX : Received letter dated XX/XX/XXXX from Freedom Mortgage indicating we were 2 months late ( the letter states {$3800.00} ) on our mortgage payment. But we paid both. ( See bank statement ) Thu, XX/XX/XXXX : Called Freedom Mortgage about the letter as both months were paid. They indicated we had a balance of {$180.00} due to a shortage from XXXX payment ( escrow increase of {$94.00} ) and then XXXX payment. Immediately paid the shortage and XXXX waived the XXXX late fee as we have never paid late. They said there would be no reporting of late payments as it was not late. 

XX/XX/XXXX Received our first credit bureau notification of a late payment by Freedom Mortgage. This is erroneous as we did make on-time payments. 

Freedom Mortgage did not notify us in writing of a late payment prior to the letter we received dated XX/XX/XXXX. Even then, they incorrectly reported stated we were 2 months late even though bank records reflect payments made. 

We have asked to Freedom Mortgage to remove the late payment on our credit reports but have not.

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 2023-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
Account - The best services XXXX Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following. Violation of the Fair Debt Collection Practices Act Defamation of Character

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 2023-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: VT

Complaint narrative:
I opened a new checking account at my local Chase Bank branch on approximately XX/XX/22. To fund this account I provided a series of checks, most of which were reimbursement checks from my health insurance company, XXXX XXXX. Specifically, 5 checks for the amount of ~ {$2800.00}. 

When I went to use this account about a month or so later I discovered that all the money had been withdrawn from my account. Concerned about this, I called Chase to report likely a fraudulent withdrawal. Chase stated that they had discovered the checks from XXXX XXXX  were potentially fraudulent, and therefore had closed my account. They also claimed to have sent me physical mail notifying me of this, however I never received such notification. 

After escalation, Chase stated that they needed a verification for XXXX XXXX  so that they could call and confirm the checks were not fraudulent. The number they had on file they stated was not working. 

There were many back and forth conversations between myself and Chase, and myself and XXXX XXXX, in order to try to obtain this number. XXXX XXXX failed to provide this for me, and eventually I gave up and just requested that the checks be reissued so that I could an account at a separate bank. 

At this point, XXXX XXXX confirmed they could not reissue the checks as the money had actually been withdrawn from their XXXX XXXX account by Chase. Since Chase had cashed the checks, money had been transferred and it was therefore impossible to reissue them. 

I once again contacted Chase to confirm this, and they admitted that they were indeed holding the money. But even after escalation in their customer complaint department, they are refusing to return it to me or XXXX XXXX without a verification number. They have also multiple times stated that it is my ( the consumer 's ) responsibility to obtain this number. I re-escalated this request with XXXX XXXX, however have been unable to obtain a verification number to this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: TN

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, Extra ( credit card ) # XXXX, XXXX XXXX XXXX XXXX XXXX ) # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # 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 item 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 non-monetary relief
Consumer complaint received 2023-04-04 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: NC

Complaint narrative:
Greetings, I have been contacting the 3 credit agencies about some accounts which were not created by myself or anyone I know reporting on my credit reports. 

I've sent all the documents they have requested to do a proper investigation and sent it by certified mail each month for the last 3 months and they still have not removed these fraudulent accounts which were not created by me. Every time I call and reach out to ask about the investigation, the company says they have either not received my information and I need to resend it, or they just do not respond to the investigation entirely, and I am fed up because this is hurting my ability to obtain credit and move on with my life. I am trying to get these accounts removed because they are not mine. Here are the details of the disputes I have submitted. 

I sent my last round of disputes by certified mail on : XX/XX/2023 for XXXX XXXX and XXXX  XXXX XXXX XXXX and several inquiries for credit which I did not commit.

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 2023-04-04 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: AZ

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit 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 2023-04-04 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: EQUIFAX, INC.
State: TN

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 ( credit card ) # XXXX, XXXX XXXX XXXX XXXX XXXX ) # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # 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 item 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: NY

Complaint narrative:
I called both XXXX and Transition about two fraudulent hard inquiry on my credit report. I was then told to contact the credit which I then did. The creditor told me me that they cant do anything on their end so I I would have to discuss it with the credit bureaus. there are hard inquiry on only credit report hat doesn't have any account link to them and I has both XXXX and transunion to remove them and they won't do it. I have also then multiple letters to them

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 2023-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Starting in XXXX of XXXX I was getting fraudulent XXXX charges on my ciitcard account. I didn't notice until about XXXX. I called XXXX, the account was NOT my account that the items were being sent from but somehow, XXXX had a different account with my name, address, and citi card number on it. I never got any items but go charges. XXXX could not shut down the account because I was not the primary account holder and didn't know who it was and they wouldn't tell me. They said I had to go through citi card. I called promptly online put a freeze on my account and called citi and reported the fraud and cancelled the card. However, before I fully realized what was going on, there was one charge for approximately XXXX that I " disputed '' on the app because I had no idea what it was for. Citicard issued me a new card, BEFORE the card even got to my house and was activated, there were NEW XXXX charges again from the fraudulent account. Somehow a locked account was charged. I promptly called Citi Card, cancelled my entire account! Still though additional charges came from the XXXX account. I have spent hours on the phone with citic card trying to get the charges reversed. I was assured by the agents that interest and late fees would be refunded as well. 
Most of the charges now have been reversed from the XXXX charges. I finally filed a XXXX complaint about the rest. On XX/XX/XXXX I spoke with XXXX at the executive response unit department. She admitted on a recorded line that the XXXX was a fraud charge but because I had clicked a dispute on line, they couldn't refund it. She didn't know how to make the computer refund me my money. She also couldn't give me a supervisor name and claimed she reported to the Citi XXXX XXXX XXXX but she said her name was XXXX XXXX! She also did say XXXX late fee and interest was removed but that is not reflected currently on my account. The interest of XX/XX/XXXX from XXXX and XXXX from XXXX all need to be removed. Due to their lateness in removing late fees and interest it did compound and make it impossible to tell what was a new charge that was legitimate versus older ones as they refunded and re charged me them many times over. I want my XXXX, XXXX, and XXXX removed and no further accumulation of interest. I can no longer get into my on line account and haven't gotten statements in three months as I no longer have a card number to log in with! They claim I still owe after that XXXX with no proof of what charge it is for.

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 monetary relief
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: WI

Complaint narrative:
I've received numerous calls from Transworld Systems Inc. trying to collect a debt owed to XXXX XXXX XXXX XXXX. 

Their references/file # XXXX their invoice number XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: OK

Complaint narrative:
I had a low income & repairing my credit. I was looking for a used XXXX not to exceed XXXX sales price. 

I went to a dealership in Oklahoma, put cash down XXXX. At an interest of 21 % XXXX monthly payment for 72 months the loan. Ive purchased two vehicles at the price of XXXX before and done so successfully. Ive done extensive research into how to purchase a vehicle to best build my credit according to what my credit was, my plan was to refinance in a year. Ive fallen behind on payments due to XXXX I cant seam to get caught up. I set arrangements but continue to get harassed to repo my XXXX although there are notes regarding the plan to get caught up. Ive applied for small loans, payday loans and am denied, anything to get caught up so I dont loose my car as I am a single mom I need it to work. On top on that since XX/XX/2022 the car had not been running. Ive replaced alternators, batteries, grounding cables, etc. It is now misfiring and I can not put anymore money in it at the time so Ive been just paying XXXX to get back and forth to work and its extremely expensive. 

I was studying consumer law to see what I can do to help my credit and came across a lawsuit against the auto finance company I have my car through. The investors have sued this company and won. There is now a consumer call action lawsuit and the complaints worried me so I retried my initial agreement and After reviewing it saw there were about XXXX added other charges to the initial price I was not explained at purchasing. I also saw the finance charge is {$10000.00} with an finance amount of {$12000.00}. The total payments would cost XXXX and the total same price was now listed as {$24000.00}. Term is 72 months at XXXX. 

This vehicle year after doing research has extensive engine issues and XXXX is fighting against putting a recall on this year but are being brought to court due to the extensive issues resulting from the way the engine was built in this model. I say this because I cant afford to continue fixing a car that has hundreds of complaints of customers with the same issues that only worsen. Only to find that I cant refinance it, get a loan to get payments caught up, and am being charged {$24000.00} for a loan that the purchase information page of my agreement ( which is the only part my sales men explained ) reflects a total balance due of {$12000.00}. The interest is confusing. Im not sure what to do Ive never seen an issue like this to know how to look for it initially. I was hoping to build my credit but am now afraid of bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
This debt collector is falsely reporting the dates of this debt to the credit bureaus. They have reaged the account and need the original credit card debt information. This account should be at the statue of limitations but they have purposely changed the date to make the account look new when it is very old. I have tried to dispute this through the credit bureaus already without success to get the accurate information reported. Credit was opened in 2016. I have emails with the date from that account. The amount seems inaccurate as well.

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 2023-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: UT

Complaint narrative:
We have continued issues with CARRINGTON MORTGAGE SERVICES , LLC They hold funds, charge a late fee then take months to fix the issue they created. This is the second formal complaint we are filing, the previous complaint number is XXXX At the time of writing this complaint, my payments are 2 months ahead of what is due. Typically I pay my mortgage a week early using auto-pay as shown in the attached payment history. I have done this in an attempt to avoid further dealings with CARRINGTON MORTGAGE SERVICES , LLC The issue... 
I was called after a late charge was assessed and told that I was behind in my payments. I immediately paid what they asked for then asked them to fix the issue and reverse the late charge. I was actually paid ahead and because they were not able to apply the funds accurately they left them in unapplied funds or automatically applied them as extra principal payments. 

I called on multiple occasions and ask them to fix the application of funds. Each time I asked them to explain the terms used in the payment history and how to avoid the issue in the future. Each time they were unable to define the terms and asked that I call back in a few days to check if the issue was corrected. 

Issues with CARRINGTON MORTGAGE SERVICES , LLC - they are a collections company not a mortgage payment processing company and treat customers poorly as if they are expecting the customer to dodge them and not pay. 
- they are not able to accurately and efficiently apply payments to the account, nor are they able to explain their own payment history decisions or terms - their policies force you to call them many times to fix an issue they created- I have spent many many hours dealing with CARRINGTON MORTGAGE SERVICES , LLC even though I am on autopay and pay in advance. 
- I consider this company as a scam and am sad they have my mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I contacted via chat to get a direct deposit form on XXXX XXXX so that I could have the funds from my IRA deposited to my account. I was told that it would take about 10 days to come via e mail. I contact ed them again on the XXXX XXXX and through that weekend to check and see if the form was coming? I called customer service on the XXXX XXXX to check on the direct deposit form and I was told by the lady that she would send it out via e mail asap, and she would send a hard copy overnight mail. I received the e mail on XXXX XXXX but it was for a withdrawal form, not direct deposit, and I never received a hard copy via overnight mail. So I contacted someone again via chat and got a web address for a direct deposit form. I sent that information in. XXXX XXXX sent the information in and said that Citibank would not let them directly deposit the funds into my account, we tried from XXXX to see if they would go through. Because I didn't get the funds into the bill that I had due on the XXXX XXXX, I ended up having to pay an extra XXXX because I missed the deadline. I asked them on them to send me a complaint form to my e mail and I never received that. I ended up having XXXX XXXX  send me a hard copy of the check, which I received on the XXXX XX/XX/2023. I deposited remotely the check on the XXXX XXXX. XXXX. I deposited 2 checks. I was told that since they were over a XXXX that they wouldn't be available until the XXXX XX/XX/2023. Now I have the same bill due the XXXX XXXX. And they expect me to wait. I am not going through this again. I have called and chatted with citibank, and they keep putting me off and telling me that i can't get the funds until that day. I am just done with this bank. Everything they do is uncustomer service like. They are the worst. and don't seem to care.

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