vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Their insurance department is forcing " hazard insurance '' w/o any reasoning or cause. My home insurance renewed and my insurance company has provided the proper documentation as it is stated on my documentation. I have uploaded my policy when it was due, but a week later I'm still receiving mail about not having home insurance. 

They note on their notice that the insurance they purchased is significantly more expensive and can cover less that the one I have. No other material on dates purchased or what's covered was included. 

Also, why is my load getting sold and bought multiple times a year? Switching companies creates unnecessary burden on the mortgage holder. This insurance information should be transferred seamlessly.

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 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I missed a mortgage payment in XX/XX/XXXX, but paid the account in full on XX/XX/XXXX. 
Transunion is reporting that the information was changed and the late payment is now showing up on my credit report in XX/XX/XXXX ( instead of XX/XX/XXXX where it was originally ). 
I have spoken to XXXX XXXX and they claim they never made the change, and I tired to dispute the error with transunion, but they say it will be resolve within 30 days. 

I have been waiting to purchase a new property with the intention that on XX/XX/XXXX, this XXXX late payment would no longer impact my ability to get a mortgage. As it turns out, I am afraid to apply for a mortgage now until this matter is resolved since I was told that I will not qualify for 1 year after a missed mortgage payment. 

Can you help me get this resolved quickly? I was hoping to purchase a property in 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 2022-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These inquiries do not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
These inquiries do not belong to me. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: MI

Complaint narrative:
I have been locked out of my chime account since the first week in XXXX. When I initially tried to login, it told me my account was locked due to suspicious activity. I received an email stating that I needed to provide a state issued photo ID and proof of residency. I sent this information in. Several days went by and they still had my account locked. I called them and the told me that I needed to send in this information again. I obliged. My account is still locked. Every time I call them, they tell me they do not know why my account is locked and that it is under review. They do not tell me when this review will be complete. It's been almost a month and I am now behind on rent and other living expenses as this is my online account. I have been calling chime every other day and am always given the same response. I have a lot of money on this account. 
It is unacceptable to keep it locked with no explanation or Time frame of when this issue will be resolved. I need access to my funds asap, this is causing financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: GA

Complaint narrative:
Hello, Once Again Im contacting your office regarding the accounts, I recently sent letter to you all to investigate. I am a victim of Identity theft dating back from 2021. 

Regarding the fraud account reporting on my credit report, I requested that you all provide me all documentation regarding the account and validate the information. You all have not abided by the FCRA laws, and this is because a big issue. 
I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Please see the account below XXXXXXXX XXXX XXXXXXXX Account XXXX The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA Thank You, XXXX XXXX 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 2022-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
Southwest Credit systems on behalf of XXXX have reported to the credit bureaus that I have an outstanding debt in the amount of {$2500.00}. After sending letters and speaking to XXXX of their agents on XX/XX/XXXX confirming that the debt is not mine based on the information they have. This company has failed to remove the inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NH

Complaint narrative:
Following forbearance, due to two bouts of XXXX I contacted the lender on XX/XX/XXXX. and submitted all the required documentation for consideration of alternatives including modification.On XX/XX/XXXX I received word that my application was considered complete on XX/XX/XXXX. On XX/XX/XXXX I received a letter confirming that my account was approved for a workout plan and that no additional documents were needed, however on XX/XX/XXXX I received a letter indicating that additional documents were need to complete the review. 
On XX/XX/XXXX I then received a letter that the file is complete and I have been approved for a workout plan, However on XXXX I received an additional letter indicating that after review my modification request was denied. 
Following several calls with my point of contact, I was told that a temporary repayment plan would be considered and I would have conformation in 7 to 10 days, that was the first week of XXXX. On XX/XX/XXXX I received approval. Same day I received notification that a sale date was set for XX/XX/XXXX and that I should reach out to the XXXX XXXX XXXX. I did complete the application with XXXX XXXX XXXX and received word on XX/XX/XXXX that I may be eligible for {$20000.00} in assistance however they would need to speak with my servicer as the outstanding balance exceeded the {$20000.00} Assistance Payment. 
On XX/XX/XXXX I reached out to my point of contact for an explanation for why I have had a Sale Date Set when I was obviously working to resolve. The history is very clear, and the mixed messages have made this very upsetting. On XX/XX/XXXX, I spoke with my point of contact who could not tell me why the sale date was set however she had requested a postponement and I would have a call within 5 days to confirm the postponement. As of today I have not received a call or confirmation in writing. 
As of today, the servicer has not responded to XXXX XXXX XXXX to work toward a resolution on how the {$20000.00} could be used to assist the mitigation options. On XX/XX/XXXX I provided a copy of the XXXX XXXX XXXX letter to both Loss Mitigation and my point of contact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Medical Data Systems, Inc.
State: RI

Complaint narrative:
On XX/XX/2022, I had a XXXX  XXXX done through XXXX XXXX XXXX XXXX in XXXX. Thereafter, I received several bills- one  from the XXXX, one from the XXXX- which I paid, but nothing from the hospital itself. Then, in about XXXX or XXXX, I began receiving collections calls from Medical Revenue Services, which I understand to be part of, or the same as, Medical Data Systems. The calls were regarding a debt from XXXX XXXX XXXX XXXX for {$1200.00} that was part of the XXXX  XXXX I had back in XXXX. 

I explained to them that I had never received a single invoice regarding the debt until it was apparently placed in collections. I then called XXXX XXXX 's XXXX and told them the same. They advised they had sent me four invoices before placing the debt with XXXX for collections. I asked for the address to which they had sent all of the invoices. It turns out they had my street address misspelled as " XXXX '' when it was supposed to be " XXXX. '' I'm not sure why, particularly since the debt collector sent the mail to the correct address, as did the XXXX  and the XXXX. In any event, XXXX XXXXXXXX XXXX XXXXXXXX  let me know they would pull it back from collections. I then began to receive bills from XXXX XXXX 's for the debt. 

However, collections activity has continued by XXXX XXXX I have continued to receive harassing phone calls despite telling them that the debt has been pulled back by XXXX XXXX 's. On XX/XX/2022, after receiving yet another collection call from XXXX XXXX XXXX immediately called XXXX XXXX XXXX regarding the debt. They advised me that they had communicated with XXXX on XX/XX/XXXX that the debt had been recalled ; moreover, XXXX XXXX XXXX told me that if there was an error, it lay with XXXX, as the fact of the debt recollection had been communicated to them. I called XXXX back. They claim it was not communicated to them. 

Since I am the consumer, I don't know which company is lying to me, or which company has made the error. But I have told XXXX several times that the debt has been pulled back and they have continued to harass me with phone calls and debt collection efforts. I'm at my wit 's end at this point. I don't know what this is going to do to my credit and it's keeping me up at night. No one seems to care that this debt is apparently continuing in collections despite the fact that it's not even my fault it was placed in collections to begin with. I need this to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FISERV FINXACT CORE
State: GA

Complaint narrative:
My company used XXXX for all our transactions for my XXXX business ( XXXX XXXX, XXXX. ). In the month of XXXX we used XXXX to collect {$74000.00}. XXXX put a hold on transferring this money to my account due to a fraudulent claim. There was not any fraud involved. They have already taken the money from my customer and are holding onto it. every attempt we have made to collect these funds have been met with people giving us the run around. All of our direct contacts have done nothing to help us and have even gone as far as to avoid our calls. It has been almost 60 days that they have been holding onto my money and I need it deposited to make payroll for my employees. At this point I need any help I can get to get my money deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: MI

Complaint narrative:
On XX/XX/2022, sent a letter of rescission to DISCOVER FINANCIAL SERVICES rescinding the consumer credit transaction pursuant to Title 15 U.S. Code 1635. They received the rescission letter on XX/XX/2022. DISCOVER FINANCIAL SERVICES has not responded to this rescission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: CA

Complaint narrative:
I have sent multiple letters demanding debt be validated, no response. Creditor keeps assigning to new collection agency. Debt is for utilities in Texas. I was born and raised in California and never been to Texas. I am a senior citizen and they are engaging in elder financial abuse by refusing to validate the debt, give me the information surrounding the debt and refusing to answer my letters. They are reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: NC

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX 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 2022-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello, Once Again Im contacting your office regarding the accounts, I recently sent letter to you all to investigate. I am a victim of Identity theft dating back from 2021. 

Regarding the fraud account reporting on my credit report, I requested that you all provide me all documentation regarding the account and validate the information. You all have not abided by the FCRA laws, and this is because a big issue. 
I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Please see the account below XXXXXXXX XXXX XXXXXXXX Account XXXX The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA Thank You, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, Once Again Im contacting your office regarding the accounts, I recently sent letter to you all to investigate. I am a victim of Identity theft dating back from 2021. 

Regarding the fraud account reporting on my credit report, I requested that you all provide me all documentation regarding the account and validate the information. You all have not abided by the FCRA laws, and this is because a big issue. 
I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Please see the account below XXXXXXXX XXXX XXXXXXXX Account XXXX The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA Thank You, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
I recently opened my chime account XXXX XXXX and was received maybe 5 little deposits from my girlfriend which shows and an app called XXXX and XXXX for verification. I set up my direct deposit with Chime The XXXXXXXX XXXX received my 1st ever check XX/XX/XXXX of {$1100.00} plus Chimes {$100.00} bonus for signing up with direct deposit. The next morning Saturday XXXX XXXX my account was suspended with all of my funds in there and I havent been able to get in contact with the support team.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: NC

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-28 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: Experian Information Solutions Inc.
State: NC

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX5 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