vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Company states they sent notice of force placed insurance. I never received said named paper work. Apparently my insurance lapsed on XX/XX/2021 and I wasn't notified until XX/XX/2021. The insurance force upon me is significantly more expensive then i was paying and ever pulled my escrow into the negative. Tried to call XX/XX/2021 to finish putting this to issue to bed after getting my insurance company back on. the previous call was XX/XX/2021. I was told that is my problem and that I have to pay all fees and increases, because there records showed they sent a letter, which was not received.

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 2021-09-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: SD

Complaint narrative:
A phone call was received on XX/XX/XXXX XXXX from XXXX XXXX Office of hunter Warfield on behalf of XXXX XXXX XXXX XXXX in regarding the debt collection in the amount of XXXX some change ( I dont recall the exact amount ). After a phone conversation was finished, the resolution came out to be a 50 % discount of the original debt and this was approved. However, when I requested a letter of acknowledgement from Hunter Warfield and I was denied because they will not provide any written notification about this requested. I also requested a phone recording as part of proof just in case I was being scam and I was denied again. In a situation like this, can I requested a letter of acknowledgement if agreement is done by verbally? I do not want to end up paying anything extra if the settlement is already agree.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: CA

Complaint narrative:
I have 3 hard inquiries on my Equifax credit report that I would like to have removed due to fraudulent activity. The date for the first inquiry is XXXX. The date for the second inquiry is XXXX. The third inquiry was dated XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: PA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Augusta Collection Agency, Inc.
State: GA

Complaint narrative:
I have already filed a complaint against XXXX XXXX XXXX XXXX  and this company is the debt collector for XXXX XXXX XXXX XXXX. My former spouse is responsible for my son 's health insurance and health expenses were to be charged to my son 's health insurance per our divorce decree. XXXX XXXX failed to charge my son 's insurance company that is the responsibility of my former spouse. As such, this debt is not mine and should be immediately removed from my responsibility and credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: MA

Complaint narrative:
I, XXXX XXXX identify am the natural person and consumer. My federally protected consumer rights have been violated pursuant to 15 U.S.C 1681 Permissible Purpose of credit reports. The Fair Credit Reporting Act has been put in place to ensure that consumer reporting agencies maintain fair and equitable reporting. The attached letter contains accounts that are not fair and equitable to me as the consumer. I sent the attached letters XX/XX/2021 and I have yet to receive any response from the consumer reporting agencies listed. Please investigate this issue immediately. I am prepared to seek all proper remedies in this matter. 
The attached letter contains the the accounts that are adversely affecting me.

Reporting Act 15 U.S.C 1681b Permissible purposes of a consumer report, which clearly states that .Any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

1 ) In response to the court order of a court having jurisdiction to issue such an order or subpoena issued in connection with proceedings before a Federal grand jury 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I never gave any written consent to report anything on my consumer report, and no court order having jurisdiction to issue such an order or subpoena issued in connection with proceedings before a federal grand jury has been issued. Also, I have not authorized any of these transactions. 
A consumer credit report should be equitable and fair to the consumer and should not contain any information that is adverse to the consumer pursuant to 15 U.S.C. 1681d Disclosure of investigative consumer reports.

The following information is adversely affecting me and is a violation of my consumer rights.

I have listed the items in the attached letter and below which are in violation of the FCRA and need to be deleted from my credit file immediately. 
my credit file immediately 1.XXXX XXXX Account Number : XXXX 2.XXXX  Account Number : XXXX 3.XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: NC

Complaint narrative:
Keep re aging the closed account date and reporting new data on a account thats has been closed and sent into collections is a direct violation to the fcra regulations and laws for the medical data systems I account in every credit reporting bureau has done this with this account that does not belong to me in the first place the practice is very illegal and can and will result in a lawsuit

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 2021-09-03 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: NC

Complaint narrative:
Keep re aging the closed account date and reporting new data on a account thats has been closed and sent into collections is a direct violation to the fcra regulations and laws for the XXXX XXXX XXXX I account in every credit reporting bureau has done this with this account that does not belong to me in the first place the practice is very illegal and can and will result in a lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: CL Holdings LLC
State: CA

Complaint narrative:
This account has been disputed on numerous occassions. I have been disputing this account for over 2 years. The company removes the collection account and keeps adding it back on my credit reports. I have never done business with this company or the original creditor. 

JEFFERSON CAPITAL SYSTEM Reported : XXXX XXXX, XXXX  - {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: CA

Complaint narrative:
I have a hard inquiry on my credit report dated XXXX from Equifax Mortgage Service that I would like to have removed due to fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: OH

Complaint narrative:
On XX/XX/21 I called TransUnion concerning unauthorized inquiries on my credit report. I was told to call the companies. I already did. I have been given the run around, and all I was given by TransUnion operator was the opportunity to buy some type of fraud credit protection plan. 

I was told by the companies that they couldn't help, meanwhile, I have these things on 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 2021-09-03 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: IN

Complaint narrative:
There currently an account with XXXX/Comenity/XXXX/XXXX that is reporting in error on my credit files that does not belong to me/ At this time, I have requested for the company to provide me information regarding the account and validation of it belonging to me. As of XXXX they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have an inquiry that is fraudulent and I would like to have it removed from my credit report. The date on the inquiry is XXXX and it is from JPMCB Auto.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: WV

Complaint narrative:
Reference is made to CFPB complaint # XXXX where I complained about Equifax repeated, ongoing non-sensical responses to disputes which fail to 1 ) advise which dispute they are responding to and 2 ) provide any helpful meaningful information to resolve the dispute. Their response to complan # XXXX was just as non-sensical and ambiguous ; Their form response was completely irrelevant and had nothing to do with the complaint raised. So, now, I'm complaining about their non-sensical response to former CFPB complaints. How many complaints will it take before governing agencies step in and do something about Equifax lack of meaningful responses which do not address which dispute they are responding to, and fail to provide a solution? Or would it just be easier to hire an attorney?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
My Loan # with PHH Mortgage is XXXX, I was approved for a Forbearance plan last year XX/XX/XXXX by PHH Mortgage, I was given 12 months in the Forbearance and after that the servicing company denied to give me any more extension on the same after XXXX of XXXX, I spoke with the investor of my mortgage which is XXXX XXXX to further investigate the matter as I have no job due to covid crisis, I was told by XXXX XXXX  that I will be able to apply for another 6 months of Forbarence through my servicer which is PHH Mortgage as I have only completed 12 months and the forbarence plan can be given 18 months in total, I again called PHH Mortgage to request extension on my forbarence plan, but I was told that I am not eligible for any more extension on Forbarence Plan. 

I request you to look in to this and help me save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: CA

Complaint narrative:
I have a hard inquiry that is fraudulent and I would like it to be removed from my credit report. The inquiry is dated XXXX and it is from Equifax Mtg.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: MI

Complaint narrative:
I have made SEVERAL attempts to get this cleared up with Equifax but due to the EXTREME difficulty with naivigating though there phone system, it is nearly IMPOSSBLE! Today I received notice that my score dropped 33 points for an account balance that has been settled months ago. The account was settled and there is not balance owing. This is now my 3rd time attempting to make efforts to explain to them that the debt has been paid!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Contacted my Bank ( BB & T ) in regards to unauthorized charges showing on my account XX/XX/XXXX. I immediately had my card cancelled and was transferred to the Dispute Department ( XXXX ) and filed a claim for five unauthorized charges totaling {$170.00} all posting to my account XX/XX/XXXX. I was provided a Claim # XXXX and advised the investigation can take up to 10 days for completion and provisional credit. 
I received a letter in the mail dated XX/XX/XXXX stating a provisional credit iao {$5.00} for one of the disputed charges and my Claim was being closed. 
I contacted the Dispute Dept directly XX/XX/XXXX to inquire about the additional transaction in dispute and was advised BB & T has concluded those remaining charges were valid and my claim was indeed closed. The Rep advised she could contact a supervisor to have the claim re-opened for further review.

I received a call from the Dispute Supervisor ( XXXX ID # XXXX ) XX/XX/XXXX in which she confirmed to me the claim has been closed due to charges being completed with a chip and I had previously stated the card was in my possession the whole time. I asked her how would they come to that conclusion seeing the charges were made in XXXX and I currently reside in XXXX, TX? I did not travel to XXXX overnight to charge {$170.00} on my card and return to Texas the same day?! 
XXXX advised this is the Bank 's practice, but again she will re-open the claim for additional review which will take an additional 5-6 business days for results to be made available.

I am a single mother of three and can not afford to have funds stolen from my account and then not protected by my bank ( BB & T ) I have bills pending payment subject to disconnection due to these funds being withheld for over two weeks and now having to wait an additional week for further review.

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 2021-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMER COL ENT. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2021-09-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a hard inquiry on my credit report that I believe to be fraudulent and I would like it to be removed. The date on the inquiry is XXXX and its from COAF.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
The 3 Credit Bureaus is reporting inaccurate information on TSIXXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a Capital One Credit card ending in XXXX. 
I wrote a letter in XXXX to them and called on XX/XX/XXXX asking for some kind of relief as advised by CFPB and as advertised on their website noted below with stars. 

I spoke to XXXX in XXXX, VA and she said that Capital One had no programs to assist and that, that they would not offer a payment plan, that they HAD TO REPORT ME TO CREDIT AGENCIES, and they had no programs to help those who lost businesses or who suffered illnesses covid. 

Can you help? 

I offered to attempt to rectify and make minimum payments until we get on our feet. 

Capital One says there are no available options for relief under CARES act ***Credit Cards and Other Loans If you find yourself unable to make payments on bills, credit card debts or other loans, the Consumer Financial Protection Bureau ( CFPB ) recommends working with your lenders directly. The CFPB says the earlier you reach out, the better. And it has a helpful page describing what options may be available and what to say to your lender.

Capital One customers who may be experiencing financial difficulties as a result of COVID-19 should reach out directly to discuss available resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Through XXXX  ( a freelance network ), I received a work for website development. Buyer mentioned they can only pay with Cashiers check. I accepted and check was mailed to house. I realized the buyer has overpaid and I reached out. Buyer told me that it was an accounting error, accountant thought I was the XXXX  and the XXXX  - so sent me money for both. He requested that I refund {$1900.00}. I told him, I can only do so after the check clears. Check was on hold by Chase and got added to my balance on Tuesday. I sent the refund as suggested by the buyer through XXXX. On Wednesday morning, chase sent an email saying, they are lowering my balance because the check was fraud. I am not sure why they took 1.5 days holding the check if they did not verify if it was legitimate. When balance was added I assumed Chase did their due diligence. 

When I got the mail from Chase, I immediately called Chase bank fraud department. After 1.5 hours of transferring to different departments, they told me they can not do anything to reverse the transactions or investigate the scam account I sent money to. 
I stated that I understand I may not be able to get the money but I need information about the person whose account the money has gone to, so that I can file police report. Chase rep. claimed they do not have this information and to contact XXXX directly. When I called XXXX they said they don't have access to bank information, they only provide the technology for transaction but banks are able to see which account money goes to, also informed banks can see account names, email, phone number and bank name ). XXXX also requested a XXXX  transaction ID to investigate further on the transaction. When I called chase again, they kept giving me the Chase transaction number and kept saying they don't have any information on the other account, neither they can do anything to help investigate or claim the money back. 

Chase advertises services like fraud monitoring, scam protection, check protection but in reality does absolutely nothing to help customers get money back or investigate a scam. They should check if a check is legit or not before depositing the money in account, specially after holding the money for 1.5 days, a deposit confirmation would indicate that the check cleared properly. They immediately removed the funds next morning but offered no help in helping get the money back or do anything to help other than repeating the same thing over and over. Such banks make it easier for organized scammers to scam people because they know banks will charge the victim and will not go after the criminal. 

My local police at XXXX, TX was much more helpful in trying the get the person behind this. I promptly got a call from detective and received information on where to complaints to help solve the crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I opened a Citi Priority checking and savings account on XX/XX/2021. They were supposed to deposit {$700.00} after 90 days of maintaining a minimum balance of {$50000.00}, which I did. They give themselves an additional 90 days to make that deposit. It is now XX/XX/2021 and I have never received their advertised bonus despite meeting all requirements and having called numerous times. I would like them to pay the bonus plus interest.

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