vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN

Complaint narrative:
got a divorce in XXXX and was awarded the home. My ex wife signed a quit claim deed to remove herself from title to the property. I experienced a job loss and hardship and received a modification from Carrington which she did not have to sign. In XXXX I suffered another job loss resulting in a delinquency. I obtained new employment with the state and received a trial modification plan with payments due in XXXX XXXX and XX/XX/XXXX. I have made the XXXX and XXXX payments when Carrington denied the modification because my ex-wife did not sign the modification agreement. This was not necessary before and she is not on good terms with me and will not sign anything which further obligates herself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
signed up for a bitcoin buying site and i was talking to someone who was gong to buy me a bitcoin if i sent him my email then he would tell me how much money to send. 
sent this person my email and he has gotten access to my PayPal account. 
He had then sent him self XXXX dollars from my account. When i contacted him he has not responded and kept reading my messages. 
then contacted Paypal and expalned dd not make that XXXX and changed my password. 
Paypal has not responded and sad there s nothng they can do about t. 
am requesting my money back that was taken from me wth out my permsson. 
have requested my money back from the emal that t was sent to but there s no response XXXX XXXX -negative {$200.00} XX/XX/2020 Money Sent Repeat this transaction Your recipient should have the money by XX/XX/2020. 
Paid with PayPal XXXX XXXX balance Transaction ID XXXX Sent to XXXX XXXX XXXX Details Sent to XXXX XXXX {$200.00} Fee {$4.00} Total {$200.00} Print details

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I paid full balance on XX/XX/XXXX from checking account to CITI Diamond secured MasterCard. Opened to build credit. I have no credit cards. 

After paying, I Received all verifications validations money received. Verified money out of checking Acct. tried to use card multiple times. Reply Declined.

Finally contacted institution via phone for 52 minutes on hold and transfers. They have account on hold even though they have taken my funds and they used language payment float to justify reasoning. Said we can call my bank to verify the money they have received that is no longer in my account. Ask where my call was routed to : Answer XXXX. 

Ask for American representation : same go around fraudulent attempt to know my banking account information to reverify the funds they have already received. I cant access my fund during a pandemic unemployed period due to fraudulent practices by CITI Diamond secured MasterCard account. 

Do they use my funds during these 12 days I have no access? Is there any case where it takes 12 days to verify a payment already received and posted?

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 2020-07-08 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: GA

Complaint narrative:
I HAVE NO IDEA HOW THIS ACCOUNT GOT ON MY CREDIT. SOMEONE IS USING MY IDENTITY. THE CREDTI BUREUAS ARE FURTHER VICTIMIZING ME BY REPORTING THESE FRAUD ACCOUNTS. I HAVE NO IDEA WHERE THESE INQUIRIES COME FROM. THEY ARE NOT MINE AND SHOULD NOT BE ON M Y CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion website at https : //www.transunion.com/ blocked me from logging in. So I called in and pressed 1, and asked for my username and password. A XXXX  woman issued me a temporary password and told me to wait 10 minutes. After waiting and attempting to log in the password did not work. I called back again and the same thing happened again. Someone with a thick accent gave me a temporary password and it did not work. They kept giving me passwords that did not work no matter what.

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 2020-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: ME

Complaint narrative:
Midwest Recovery Systems ( " MRS '' ) is attempting to collect a debt that I do not owe. MRS placed a negative inquiry on my XXXX credit report alleging I owe funds to XXXX XXXX XXXX. XXXX  XXXX XXXX is not licensed in the State of Maine. XXXX XXXX XXXX attempted to contract a loan with me through fraudulent means.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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:
There are several items reporting inaccurately on my credit file. Please remove the following items : Incorrect Personal Information : Address : XXXX XXXX XXXX ( TU ) Address : XXXX XXXX XXXX XXXX TU ) Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( XXXX XXXX I was never late ( 30, 60, 90, or 120 days ) on the following accounts : XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$500.00} ( TU & XXXX ) XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$19000.00} ( TU, XXXX XXXX ) The following account is the result of Identity Theft : XXXX XXXXXXXX  - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX ) ; Bal : {$0.00} XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( XXXX XXXX XXXX ) XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$2200.00} ( XXXX   & XXXX ) XXXX - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX ) Bal : {$0.00} XXXX XXXXf XXXX - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX   & XXXX ) ; Bal : {$0.00} XXXX - XXXX - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX ) ; Bal : {$2800.00} XXXX XXXX XXXXt ( XXXX ) - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX ) ; Bal : {$130.00} XXXX XXXX - XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$260.00} ( TU ) XXXX XXXX - XXXX XXXX  - Date Opened : XX/XX/XXXX ; Bal : {$260.00} The following are unauthorized Inquiries XXXX XXXX ( 6 times ) XXXX   ( 2 Times ) ; TU ( 2 Times ) ; XXXX ( 2 Times ) XXXX ( XXXX ) XXXX XXXX ( TU ) XXXX ( 2 TIMES -TU ) XXXX   XXXX ( TU ) XXXX XXXX ( TU ) 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 2020-07-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Due to the recent Cares Act, XXXX XXXX improperly entered in the wrong code and as a result it dropped my credit score at least 40 points, which it is currently at XXXX from what TransUnion, XXXX, and XXXX  XXXX  are reporting. I contacted XXXX XXXX and TransUnion regarding the matter on XX/XX/2020. XXXX XXXX informed me that they had already sent off the updated information to the credit bureaus and that it was up to them to update the information. However, when I called TransUnion they couldn't give me any information regarding the recent change in my credit score and attempted to have me dispute it, but I was unable to check the status of that dispute due to their website having issues with my account for some reason. I tried contacted both parties again today ( XX/XX/2020 ), however again I wasn't provided any clarity regarding the matter.

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 2020-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: UT

Complaint narrative:
We were solicited by Freedom Mortgage via Mr XXXX XXXX to complete a streamline refinance of our first mortgage at the end of XX/XX/XXXX. We are not sure what happened, but the initial application was not processed by Freedom. So we had to reapply back in XX/XX/XXXXof this year. We still have not closed on this loan. Freedom Mortgage apparently did not know how to complete a subordination agreement. Even back as far as XX/XX/XXXX when we contacted our second lien holder to find out exactly what they needed to complete a subordination packet and emailed the exact information to Mr XXXX XXXX ( one of many different loan processors we have been shuffled with ), they still did not even attempt to send a pack until around XX/XX/XXXX. We have detailed notes from the many phone calls and email messages regarding this subordination process. For example, on XX/XX/XXXX per XXXX XXXX ( one of the many different loan processors after Mr XXXX ) they were " putting the subordination packet together. '' On XX/XX/XXXX per XXXX XXXX they are now " cutting the check for the subordination fee. '' On XX/XX/XXXX, they withdrew our application for being incomplete - stating it was our fault that we had not provided the subordination agreement. We legally can not complete this step for them! We were then transferred to another loan processor, Mr XXXX XXXX, who then had to put our application back into open status. We now have a new loan processor, XXXX XXXX. On XX/XX/XXXX, we received a call from our second mortgage company saying that Freedom did not send a complete subordination packet. We just spoke with our second mortgage company, and finally as of this week XX/XX/XXXX, they have a full packet. This company also tried to sneak in a new requirement that was not part of our original loan - a flood zone requirement. We are not in a flood zone, and this is not a requirement for our current loan. They backed off of that. On XX/XX/XXXX we emailed XXXX XXXX, Mr XXXX XXXX and tried to email the president of the company, the relations manager of the company and another supervisor XXXX XXXX. Yet, nothing was done for a few more weeks. We are starting to wonder if they are unwilling to work on our loan because of a bias due to our last name and assumed race. We filed a better business bureau complaint which nothing happened with that either.

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 2020-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I frequently work with the Credit Agencies to freeze and unfreeze my accounts to protect my security. I just unfroze my account with all three agencies ( Experian, XXXX  and XXXX  ). It was relatively easy to unfreeze my accounts with these three agencies. To refreeze my accounts I am having a lot of trouble with Experian. There is no way to get to a live agent and they want extra information to be mailed to them to freeze my account. It seems the only way to get better service from them is to upgrade my account and pay them money to do so. 

Can you please do something to make this process of freezing and unfreezing a persons account simpler? I believe that Experian is intentionally making it difficult for non-paying individuals, and this must be corrected. Maybe the credit information freeze should be handled by a single third party so an individual like me doesnt have to deal with three separate agencies every time. Thank you for handling this complaint.

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 2020-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have four late payments on my credit report for my Capital One credit card from 2018 ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have tried to request they be removed since I was living out of the country and I informed them of that, but they will not remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Account Name : CAPITAL ONE AUTO FINAN Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
Credit Acceptance Failed to give me proper validation of this debt. They stated they do not have any account under my information. If there is no account ; why are they furnishing it on my consumer 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 2020-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Gatestone & Co. International Inc.
State: NY

Complaint narrative:
Gatestone company has been trying to collect a debt on behalf of XXXX XXXX. They call at least 9 times a day. 4-5 times on my home phone and 4-5 times on my cell phone. They call before XXXX  XXXX  and after XXXX   XXXX. They call on weekends and holidays. They called at XXXX  XXXX  on XXXX XXXX XXXX. I have asked them to stop  calling me, that I have disputed the amount of the debt, that I worked it out with XXXX and am on a payment plan and they do not stop calling. The last person to call was XXXX XXXX. She refused to listen to me in any way. The men who call are abusive and shout at me. As soon as I block one number, they call from another number. This is so abusive. This needs to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I FILED A DISPUTE WITH EQUIFAX ON XX/XX/XXXX AND XX/XX/XXXX the accounts are having a negative effect on my credit report. Equifax refuse to investigage these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: DC

Complaint narrative:
I refinance my home in XX/XX/XXXXwent to closing in XX/XX/XXXX. At the time of loan origination, an escrow account establishedsix months of taxes and insurance payment where collected. The loan closed in XX/XX/XXXX. The loan was sold to XXXX  XXXX  and Dovenmuehle mortgage to services the loan. The escrow account was never setup, once the loan transferred to the servicer Dovenmuehle mortgage. There are funds currently in my escrow account ; however, the escrow account was not setup and payments where not sent. For the last seven months, to no prevail, I have tried to get Dovenmuehle mortgage to setup the escrow account and pay the taxes and insurance. As of XX/XX/XXXX, the escrow account has not been setup or fees paid.

The last seven months ' journey, I have called each month since XX/XX/XXXX, The latest request made XX/XX/XXXX, for the escrow account to be setup and taxes paid were expedited to the insurance department. However, that did not happen. I have spoken with two different supervisors, XXXX and XXXX ; neither one has been any help. When asked to talk with someone higher than a Supervisor, XXXX transferred me to Ms. XXXX, only to find out she a supervisor herself. I asked to speak with someone in upper Management, Ms. XXXX refused. She advised I could not talk with anyone higher than a supervisor, and I have to wait for an email regarding my request. Since my seven month journey, I paid the insurance and taxes, to avoid my home owner insurance from being Canceled and any more non-payment penalties towards the taxes. Dovenmuehle mortgage doesn't have any way of filing a formal complaint, other than an email address. The amount of my tax bill in XX/XX/XXXX is XXXX ; as of today, including late penalties, the tax payment is XXXX to avoid any more late penalties, I paid the taxes myself today, XX/XX/XXXX. The home owner insurance payment made several months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2020 I called Experian to alert them that Boost was not capturing all of my XXXX monthly payments and it is not boosting my credit as promised. The costumer service rep said she would open a dispute to fix the issue. 

On XX/XX/2020 I received an alert on my phone prompting me to check my Experian account for updates. Instead of fixing the issue they removed the service completely from my account which directly cause my credit score to dropped 12 points and negatively impacted my credit with XXXX  and XXXX. 

I placed a called immediately call to get some help and answer. Instead all I have received are lies, misleadings promise of email sent to my inbox with link to fix the problem that never materialized. I was told by a supervisor name XXXX that no, he's not going to fix or help me and I should just delete it. He was extremely unprofessional, nasty, aggressive  and I was left feeling as if he enjoyed the destruction of my credit. 

Further more, why would Experian hire people that are not based in the USA that truly understand English and the importance of having and maintaining good credit. 

I called yesterday XX/XX/XXXX and spoke with yet another supervisor who lied and tried to blame it on my bank ( XXXX XXXX ). Help was never coming my way. The hurtful part is that I am looking at my year and a half deleted history that no one at Experian will put back in so my score can be boost. Again, I NEVER ASKED FOR IT TO BE REMOVED! 

The Experian Boost advertisements need to be pulled from airing on all platforms because it is a LIE! They put this narrative of help to people like myself as a tool to help your credit but it's a ploy to pull you in to force you to spend money and when you don't spend money with them they weaponized Boost against you and drop your score. And leave you to deal with nasty, rude, cruel unprofessional representatives. 

How truly disgusting can these people be? I have been doing the work to rebuild my credit and they LIED and ABUSE my naivety to their benefit so I am filing a complain and I trust you all take me very serious and hold them accountable.

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 2020-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I HAVE NO IDEA HOW THIS ACCOUNT GOT ON MY CREDIT. SOMEONE IS USING MY IDENTITY. THE CREDTI BUREUAS ARE FURTHER VICTIMIZING ME BY REPORTING THESE FRAUD ACCOUNTS. I HAVE NO IDEA WHERE THESE INQUIRIES COME FROM. THEY ARE NOT MINE AND SHOULD NOT BE ON M Y CREDIT.

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 2020-07-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I HAVE NO IDEA HOW THIS ACCOUNT GOT ON MY CREDIT. SOMEONE IS USING MY IDENTITY. THE CREDTI BUREUAS ARE FURTHER VICTIMIZING ME BY REPORTING THESE FRAUD ACCOUNTS. I HAVE NO IDEA WHERE THESE INQUIRIES COME FROM. THEY ARE NOT MINE AND SHOULD NOT BE ON M Y CREDIT.

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 2020-07-08 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: CA

Complaint narrative:
I had a loan with a company by the name of XXXX XXXX, in XXXX, California. 
Their shady and legal business practices include but are not limited to, calling references and revealing what the nature of their call is, calling work place multiple times, etc. 

I included this loan in my Federal Bankruptcy, that was charged off fall of last year. 
This file and loan was to be reported to {$0.00}, which it eventually was. 
They edited my file this week to show the account is open and listed payments deferred due to natural disaster-COVID19. I called and informed them legally this cant happen, the loan was discharged about inquired why theyre fixing their books to show more loans than they have to qualify for covid assistance from the government and I was told to prove it.

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