vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
My original home loan mortgage provider was XXXX. After 1 month, my mortgage was sold to Freedom mortgage who is presently my current home loan mortgage. I inquired as to paying my mortgage on a weekly basis and was told that I could do so with no pre-payment penalties. Later, I discovered that said weekly payments were placed in a suspense account until the total of my mortgage payment was received. After reaching out to Freedom mortgage to address this issue, I was then informed that they do not accept partial payments. In essence, Freedom mortgage is floating my money by not applying it directly to my mortgage as paid, hence indirectly preventing my ability to prepay my mortgage, make additional payments to principal, and indirectly penalizing me from making extra payments to principal or making additional extra payments to pay off my mortgage in a more timely fashion. 
A similar issue has also occurred while making an extra full payment on the anniversary of my mortgage to reduce my principal, and once again, this payment is applied as a extra payment in suspense and not applied directly to principal. 
Only after contacting my mortgage lender directly did they then apply the extra payment to principal. 
Keep in my mind that my monthly mortgage payments are noted as monthly payment and my additional, extra monthly payments are noted as apply to principal. 
Unfortunately, like clockwork, I have to reach out to Freedom Mortgage every month to ensure that my payments are correctly credited to premium and to principal despite being noted on my payment. 
In closing, despite my numerous requests, Freedom Mortgage is preventing me from making payments to principal, the ability to pay my premium on either a weekly or biweekly basis without those funds being placed in suspense as opposed to being applied directly to my account, yet again, preventing me from reducing the principal of my loan, the ability to pay off my mortgage early, and the possibility of reducing the term of my 30 Year Mortgage. 
I would like to add that I have in my possession, dates, documents, statements, phone conversation notes and additional written correspondence that lends credence to my complaint and is available upon request as I dont know what documentation you would deem necessary.

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 2024-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
im sick needed A massager and manicure. absurd what they are charging because i payed double what I owe and they still charging me. please 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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: MA

Complaint narrative:
Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XX/XX/year>

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XX/XX/year>

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 2024-10-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX filed for XXXX  XXXX bankruptcy. My husband and I had leased a car from them in XX/XX/XXXX. We were contacted in a few months by Westlake portfolio management about making payments on the lease. We requested information about the new contract with this company. We believe our agreement with the original company is violated and void because they no longer own the vehicle and lease. Westlake Portfolio management has failed to provide us with any information other than a billing portal and future payment schedule. They have provided a pay-off amount of around {$28000.00} for the minivan we have leased with a current XXXX XXXX XXXX value of {$5400.00}. The original contract states an early lease termination clause that does include associated fees. It does not state we would be required to pay the full amount due for the remainder of the original lease period. They have also repossessed our vehicle previously and moved it over to an auction house in a different state that we had to go retrieve, it cost us upwards of {$1500.00} to " Reinstate '' the loan and retrieve the vehicle. We were given no notice of warning of repossession and frequently are charged with additional taxes/fees. They fail to provide us with documentation with the terms for early termination and legal documentation to support the validity of the loan or billing amount. As this is a leased vehicle, we do not own the entirety of the debt that has been sold to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit report shows hard inquiries that I didn't initiate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This account is reporting with differences on all 3 credit bureaus. Either it's a different amount or different dates. It also isn't being reported to all 3 bureaus. I have repeatedly tried to contact them to recertify this situation. Please remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-10-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
Dear CREDENCE RM, I am writing to formally request validation of the debt you claim I owe, as permitted under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have received several correspondences from your office regarding this matter, but I believe there may be an error, and I do not acknowledge this debt.

To ensure accuracy and compliance, please provide me with the following : A copy of the original assignment contract or agreement that verifies your right to collect on this debt.

A detailed statement of the amount owed, including any fees or interest.

Evidence that this debt is within the statute of limitations.

Until this information is provided, I request that you cease all collection activities regarding this debt. Please be aware that continued attempts to collect on this debt without proper validation may constitute a violation of the FDCPA.

I appreciate your prompt attention to this matter and expect a response within 30 days as mandated by the FDCPA. 

Sincerely, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account XXXX : XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account XXXX : XXXX Account 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 2024-10-17 00:00:00
Product: Credit reporting 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
DEAR EXPERIAN, PLEASE TO ADD MY ADDRESS BACK TO MY CREDIT REPORT THAT IM ABLE TO SEE MY DAILY REFRESHED REPORT AND SCORE ; XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently obtained a copy of my credit report to improve my credit and better manage my responsibilities. While reviewing it, I came across a few accounts that I would like more clarification on. 

I'm not stating whether these accounts are being reported accurately or inaccurately ; Im simply unsure. I've also read about the Fair Credit Reporting Act, which affirms my legal right to challenge any information on my report that I need further clarification on.

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 2024-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had a credit card opened in my name in Capital One about a year ago. I was alerted to the account from my credit report and I immediately called and asked to close the account and reported it as fraudulent. 

Several months later I get another credit alert showing that the account had not been closed and now it's up to XXXX XXXX dollars in debt. I called again and asked why wasn't it closed and why am still listed as the owner of the account. 

I was told that another investigation will be done and to wait. I never heard back until about a month ago ( XX/XX/year> ) I started getting calls from XXXX XXXX ( a debt collection agency ). I called again and they told me they would reopen the investigation ( they refused to elaborate what exactly they were investigating nor they they ask me for anything ). 

3 days later ( XXXX XXXX ) I get a letter saying the account was not found fraudulent. I called back again and they still refuse to elaborate on what they're investigating and to report the account as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: IL

Complaint narrative:
I was never late and on time paid in full and after they closed the account and that was what was reported to the bureaus which dinged my credit. I asked for a letter to say it was in good standing and was pd off and to let the bureaus know which they said they dont do that they just state the account is closed. Which does not state that when you open an account with them. I wanted reported paid in full and in good standing which it does not stated that with them all making it seem like they closed the account because I wasnt making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to formally express my concern regarding several disputed accounts that continue to appear inaccurately on my credit report. Despite multiple previous requests for a thorough investigation into these inaccuracies, I have yet to receive a resolution or any corrective action. 

These erroneous accounts are causing significant damage to my credit file, severely impacting my ability to maintain a stable financial situation. The negative consequences of these inaccuracies have placed immense hardships on my daily life. I am now left with no choice but to seek your immediate assistance in rectifying this matter. 

I kindly request that a thorough investigation be conducted into each of the disputed accounts on my credit report. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. Your prompt attention to this matter is critical to restoring the accuracy and integrity of my credit file, which is essential for me to regain control over my financial well-being. 

I sincerely urge you to prioritize this issue and take swift action to resolve it. Your cooperation and support in addressing this situation would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation