vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
I Bought my home in XXXX and set up auto payments with my Bank XXXX for Freedom Mortgage. Beginning XXXX of this year I contacted Freedom Mortgage and informed them that I was changing banks to XXXX XXXX XXXX going through the process of setting up the new service first by calling Freedom Mortgage and giving all information to the agent I received a call from a senior member of the company informing me that they could not accept the information over the phone and was given a web site where to fill out the information. This I followed up on immediately only to receive a notice in the mail that I must fill out the same form and send it in. During this time period XXXX sent a payment and Freedom mortgage also took a payment in the same amount of my mortgage double payment. It took XXXX days for Freedom Mortgage to return my money. I went through the process of filling out the form and sending it to Freedom mortgage and again they attempted to take the funds from XXXX. Once again I contacted Freedom Mortage and was informed that I failed to change XXXX small thing on the form which actually was changed and written in on the second line. Requesting to speak with a supervisor. which I did and she had me go to the Website where she walked me through the process informing me that I was all set, and that the problem was solved. Again, this month they attempted to take the money from XXXX account now closed. Causing a minus on my account, late payment to Freedom all of which is going to affect my excellent credit score of XXXX That I have worked so hard to accomplish. 
Yesterday XX/XX/XXXX I contacted the office Freedom Mortgage requesting to speak to a supervisor again only to be told not available and some clerk who informed me he was working from home informed me he was sending in a request for me to receive call back.

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 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: TX

Complaint narrative:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have asked XXXX, TransUnion, and XXXX to reinvestigate the following account. XXXX XXXX XXXX - Account # XXXX. However, they stated that everything was completed and accurate. How is that possible if the status of the account is reporting Account Charged Off/Never Late, with {$1700.00} written off and {$1800.00} past due is incorrect? In addition, reporting the account late monthly on a Charged Off Account. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that are not reporting correctly. 15 USC 1681 Section 602 A : States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : States a Consumer Reporting Agency can not furnish a without written instructions. 15 USC 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 7 years. 15 USC 1681s-2 ( a ) ( 1 ) : States a person shall not furnish any information relating to consumer to any Consumer Reporting Agency if the person knows and/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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
To start, my phone I had w/Cricket got hacked, shut off. This resulted in the hacker pulling out funds from my bank acct, bank unable to contact me. Ive went thru all the necessary steps to report the fraud. A fraud alert on my credit reports. Credit score tanked. ( Story : I am told reason for my score ( was XXXX, then XXXX at fraud to now XXXX ) was debt, meaning my credit cards. One is a late payment from XXXX, who seems to manipulate the payments. I am a co-signor and my son sends in late. They take two weeks to process payments, thus one month behind ( Im really not too sure of it, as acct doesnt add up ) but they sometimes report two months. They add the 1 month late ( he send after due date ), and include the second month as being two, even tho technically the due date for the 2nd has not ended ). -- -- But lately, Experian, the one who reports to some of my creditors, have been sending me offers for loans and credit cards-this after telling me too high. One of them on the list is XXXX XXXX XXXX. I received today from : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX emails in my Spam folder. Leaving me to believe that Experian is selling my info, allowing these companies to contact me. THIS, after telling me I have too much debt! I thought I was opted out from offers, especially since the fraud was added.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2023, I filed against Chase Complaint # XXXX. Almost immediately, and multiple times since, I have been contacted by Chase by phone with a call that begins, " This is to inform you that you are on a recorded line. '' No permission is sought from me for this recorded phone call. On multiple occasions I have terminated the call and informed Chase I will not participate in coerced recorded phone calls. Yet today, XX/XX/2023, I received a call yet again from Chase. The call came from XXXX at XXXX XXXX Pacific Time. The caller identified herself as " XXXX. '' Once again the phone call started out with " This is to inform you that you are on a recorded line. '' While XXXX would concede, when pushed, with me pushing her because I wished to establish that I had informed Chase on multiple occasions that I would not participate in coerced recordings, that her records indicated Chase had contacted me before, she informed me that her records did not indicate either how many times Chase had contacted me or what had transpired in those phone calls. Interestingly, perhaps however, she was quick once the conversation went in this direction to state, " We will not contact you if that is what you wish? '' According to her of course, this entire phone conversation was captured by recording. I believe XXXX, and by extension Chase, lied to me about not knowing substantively about Chase 's previous phone calls to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: LA

Complaint narrative:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information

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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to file a formal complaint regarding the information I recently discovered on my XXXX XXXX account. It has come to my attention that XXXX XXXX XXXX is reporting on my Equifax credit report, and despite my attempts to reach out to Equifax, I have not received any response or resolution regarding this matter. 

Upon reviewing my XXXX XXXX account on XX/XX/2023, I noticed the presence of XXXX XXXX XXXX as a reported account on my Equifax credit report. I was taken by surprise as I have no knowledge of any business or financial transactions with XXXX XXXX XXXX. The reporting of this account is not only inaccurate but has the potential to negatively impact my creditworthiness and financial standing. 

To address this issue, I promptly contacted Equifax via phone on XX/XX/2023, to dispute the reported account and seek further information and clarification. However, to my dismay, I have not received any response or acknowledgment from Equifax regarding my dispute. The lack of communication and resolution from Equifax is highly concerning and has left me in a state of uncertainty and frustration. 

I am reaching out to the Consumer Financial Protection Bureau to request your intervention and assistance in this matter. I kindly request that you investigate this dispute between myself, Equifax, and XXXX XXXX XXXX Reported : XXXX. XXXX, 2023, to ensure that the reporting is accurate and to rectify any potential errors or misinformation that may be present on my credit report. 

Enclosed with this letter, please find copies of relevant documents, including my XXXX XXXX account information reflecting the reported account from XXXX XXXX XXXX I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation and work diligently to resolve this matter. It is of utmost importance to me that the accuracy of my credit report is upheld and that any incorrect information is rectified promptly. 

I kindly request that you keep me informed about the progress of this complaint and provide me with updates regarding any actions taken or resolutions reached. 

Thank you for your attention to this complaint. I appreciate your efforts in ensuring fair and accurate credit reporting for consumers. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: NC

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-07-12 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: TX

Complaint narrative:
WILLFULLY KNOWINGLY FURNISHING AND REPORTING OLD OUT OF DATE SCORES TO CAUSE CONSUMER HIGHER " MORTGAGE '' INTEREST RATE ON NEW LOAN ; 1 ) THE FAILURE TO UPDATE MY XXXX MORTGAGE SCORE ; SPECIFICALLY SCORES XXXX & XXXX ; XXXX ) FAILURE TO " ACT '' CONTRIBUTES TO ECONOMIC NEGLIGENCE AND DAMAGES. 

NOTICE : TWO SPECIFIC AGENCIES [ XXXX AND EXPERIAN ] REPORTING OLD OUTDATED XXXX MORTGAGE SCORES UNDER XXXX & XXXX ; ARE PUT ON NOTICE THAT THEIR FAILURE TO " ACT '' TIMELY AFTER MULTIPLE REQUEST WILL CAUSE THE CONSUMER TO PAY A HIGHER MORTGAGE LOAN INTEREST RATE. IN COMPARISON XXXX HAS FOLLOWED THE FCRA ; THEY ARE THE EXAMPLE AND THEY HAVE A SCORE [ [ [ XXXX ] ] ] POINTS HIGHER THAN XXXX 'S MORTGAGE SCORE AND XXXX IS [ [ [ XXXX ] ] ] POINTS LOWER THAN XXXX WHICH HAS BEEN THE LEADER IN UP TO DATING MY XXXX. THE DOCUMENTED FAILURE TO ACT IN A TIMELY MANNER AFTER MULTIPLE REQUEST IS NEGLIGIBLE UNDER FEDERAL DEPORT LENDING INS INCLUDING BUT NOT LIMITED TO ( TILA ), 15 USC 1601 ET SEQ., AND CONSUMER CREDIT PROTECTION ACT 9PUB.L.90-321 ; REGULATION Z 12 CFR 226.

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 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

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 2023-07-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
CFPB NOTE-This is not a duplicate complaint. The issue was not addressed with first or second complaint and is NOT frivolous. This is serious complaint that has not been addressed by lender. Do not delete this request please. Please send to Capital One Auto to address this issue. Thank you. 

I am disputing again, the late pay Cap One Auto is placing on my auto loan. I disputed once and they did not remove, but I wanted to provide additional information to request Cap One to remove this late payment. I do not agree with their decision. Showing the inaccurate late payment has lowered my credit score and is keeping me from purchasing a home loan due to recent late on major account. 
In 2022, I was dealing with the death of my father, and had my car totaled toward the end of the year. I worked diligently with Cap One during this time to make my payments until the insurance paid off. Once the payoff was issued to the insurance company, I was told to not make a payment until the payoff was received. I had to wait for the final amount once the payoff was posted. Technically, I was paid ahead on the loan, and certainly not late. 
Once the payoff was made, I then called Cap One Auto and was told the balance was left was just over {$100.00} to pay off the remaining balance. I was told I needed to have the money into the company by XXXX to pay off the loan. I met this requirement and paid the loan off by XXXX PST. I was not told until I disputed the late with Capital One, that I needed to make it by XXXX EST. This is ridiculous they can not correct this late, as it truly is not a late payment since I was paid ahead of the payments needed, but it was the final very small balance left due. 
It was not an intentional missed payment and does not reflect how I handle my debts. I will take this to state attorney generals office and any other attorney or consumer help to get this unwarranted late payment off my credit report. 
If Cap One Auto TRULY feels their stating me as LATE ON A PAYMENT reflects how I paid my bill to them, I request the proof from them to support the showing of this late payment. I request a copy of the conversation logs on my account and payment history. This was not a late payment due to inability to repay or ignoring this debt!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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: TX

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was contacted by BOA customer service, there was 2 transactions that were not done by me they told me I had to allow the transaction to go through to investigate the fraud. But it was a scam and they say that because the funds went thru to chase bank and were withdrawn that it is not going to be returned to me. They claim I made it Possible, but it was them that didnt tell customers that they had a data breach and our accounts were at risk.They took XXXX from my account and XXXX from a account that was my daughter and I, because she was a minor at the time she opened it .please tell me there is some way of holding them responsible because I got the call from their customer service center. Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
My name is XXXX XXXX, I wrote to complain about Webster Bank regarding an issue Am having with SBA, which CFPB were so helpful by contacting Webster bank. I want to bring to your notice that, the Bank has still not fixed the problem by returning the loan amount of {$60000.00} Covid relief loan that SBA granted me but was seized by the bank in 2020. As we speak the money is still with the bank whiles I am servicing the loan every month. All attempts for the bank to refund the money to SBA has failed. I have placed several calls to Webster Bank to help resolve this issue, at a point I was told to even make payment before my file can be pulled. SBA is also saying until they receive the money from the bank, there is nothing they can do. I see unfairness on my part as to why I should be paying for a loan that I have not received. After my complaint to CFPB, I got a letter from the bank stating that, they thought its was fraud thats why the money was seized and that they were going to deal with SBA and refund the money but as at now they are still holding the money whiles I make payments to SBA every month because they are constantly making demands and am also protecting my credibility. Pls help me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
XXXX XXXX XXXX My XXXX  is XXXX XXXX, but he does not and has not ever gone to XXXX XXXX 
We go to another gym. How can you please stop sending me this letter? This is the same name, but not that person who has ever even gone to the gym. 
My XXXX  was born in XXXX. That is the only piece of info I am giving you. please stop sending these letters to my home. This is not our debt. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: IN

Complaint narrative:
Equifax is not reporting my data accurately with any credit reporting company. XXXX XXXX is unable to access it. XXXX 3 in one can not pull the data as well. I called Equifax and they had me change my password. The representative told me the companies need to call in to Equifax. Of course the companies asked me to call. Please correct this information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Had an Account with American Car Center for only XXXX days the account was closed and paid off after the car was totaled. They gave Westlake financial my account as an unpaid balance owed and also submitted their false bill in my credit too, before filing bankruptcy that I owed them XXXX dollars, not quite sure the exact number but I dont owe anything. I have reached out to Westlake numerous times and even provided them with documentation as requested to show that the company was lying and I owe them nothing. I dont owe American Car center anything and I have documentation where they sent me a letter for a XXXX dollar different amount. The letter states I owe XXXX they reported XXXX I dont owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: IN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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