vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I am in a current dissolution from an XXXX  man who is on the deed to my home, but not the note. I have a XXXX order against him. 
In XX/XX/2022 I entered forebearance, and was promised by Freedom Mortgage, my lender, that I did not have to make payments for now. In XX/XX/2022, Freedom Mortgage said I needed to remod my loan or they would foreclose. I agreed and started the process. 
My separated spouse refused to sign the documents and the remod expired and was reinitiated. He refused again, and I retained counsel which cost me {$5000.00} in lawyer fees to obtain an order compelling my separated spouse to sign the papers. The papers were signed in open court in front of a Judge, a notary, XXXX witnesses, my separated spouse and myself. The papers were sent to Freedom Mortgage. 
Freedom Mortgage rejected the papers, stating that the witnesses did not date their signatures. All parties present bore witness to the fact that they DID date their signatures. Freedom refused to provide evidence until XXXX phone calls later, they finally cooperated. Somehow, the witness signatures were missing dates- we all firmly believe the documents were fraudulently altered by Freedom. Now, Freedom is threatening foreclosure again. They sent a second set of documents demanding I sign them, however, my set of signed papers were accepted in XX/XX/2022. My separated spouse 's papers are the ones rejected by Freedom ( the fraudulently altered set. ) Per the new FHA HUD guidelines, Freedom was required to consider excluding my separated spouse 's signatures due to XXXX  XXXX. They refused to consider and refused to explain their decision. They continue to do so. I have been paying my mortgage, and living under their threat of foreclosure despite my full cooperation. I am a single mother, and run my business off my property. I need help facing this massive criminal entity. I contribute to the local economy, provide jobs, and my property has won the XXXX XXXX XXXX XXXX for my dedication to conservation through my nursery business on the property. I need help please!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XXXX, XXXX and XXXX XXXX, sends out letters on company letter head as law firm, they are debt collectors who go to court for other companies. But how do they own the debt and why do they appear to the individual as the attorney for the Plaintiff when they are debt collectors. They sign each letter but if you read the end it states we are a debt collector any information will be used for that purpose they do not do Debt Validity. When you call you never get through, I was a victim of Identity theft. Yet I have to send that affidavit to an entirely different company that is not even on the Docket. It is very confusing. This company is practicing Unethical practices to try to Bank Levy or do Wage Garnishment. They can not be the attorney and the debt collector for the company who is suing. I have been through financial turmoil because of this company. I am not the only one, I believe they try to get all old debt and then go to court as the Attorney and the Debt collector. Who owns the debt the Plaintiff the law firm, XXXX XXXX XXXX XXXX should not accept these lawsuits or practices from this Firm as it is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted a complaint about Portfolio Recovery Associates. In the complaint I stated how Portfolio Recovery Associates failed to provide the validation I asked for numerous times. And again, on XX/XX/XXXX I received XXXX letters that were identical. In the letter they state " We have completed our investigation of your dispute concerning this account, XXXX, XXXX has obtained and reviewed the attached documents related to this account, which established its validity. 
I disagree for the simple fact that Validation of the debt can either be a signed judgment order or an accounting which is signed and dated by the person responsible for maintaining the account general ledger. 
See 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 
As I stated in previous complaint, a copy of consumer credit statement is NOT sufficient evidence to validate the debt, yet Portfolio Recovery Associates ignores this and continues to violate my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: CT

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Williams & Fudge, Inc
State: NC

Complaint narrative:
I was called by XXXX XXXX this morning at XXXX. He was incredibly rude asking me to settle my debt with my university. He called me irresponsible multiple times and kept saying that I didnt know what I was talking about. When I called back to make a complaint, I spoke to his manager XXXX XXXX ( sp? ). This was at XXXX. She was also unhelpful and dishonest. Multiple times she said she hadnt heard the call and would need to review. Then she slipped and quoted XXXX verbatim and tried to say shed just walked by his desk. She also said that she didnt understand what else he was supposed to call me besides irresponsible because I wasnt taking any of the options I was given. If William & Fudge want to collect debts for companies, they need to have a little more tact. Lecturing people and insulting them must be the business model but I cant see how it benefits anyone. Ill be posting this review literally anywhere I can find William and Fudge listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
the statue of limitations has expired for XXXX XXXX account number XXXX and XXXX XXXX XXXXXXXX. The statue is XXXX years in texas where I live and its been over four years. This is a violation of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I received calls and letters from the Debt collectors [ National Credit Systems , Inc ] after they added the dept to my credit report as a negative item. I called them to ask for a debt verification letter and sent them mail to remove the debt from all credit bureaus if they could not prove the debt, and they are not willing to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and XXXX is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: OK

Complaint narrative:
Credit karma was sending me preapproval advertisement to help increase my credit score multiple times within the past years. I sent several emails to customer service about the pre approval being denied. It not only denies me it set my score back down from pulling inquiries. It was a roller coaster of my score going up and down due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My wife and I had credit through Wells Fargo for XXXX purchased through XXXX XXXX. The credit loan was {$6000.00} and our balance was {$1200.00} at the time my XXXX XXXX XXXX XXXX. I was not aware of the payments issues until I tried to use my credit card and found out it was on hold. I went to the bank to inquire about the credit card and found that the bank suspended my credit card because of a separate issue. I asked the banker how can I fix this issue with the XXXX XXXX account and get back in good standings with the bank and release the hold on my credit card? the XXXX XXXX Department name : ( XXXX XXXX ) associate account resolution representative, denied given me an option to get back in good standing. Please note my history with Wells Fargo Bank during the last XXXX  years. 
*Opened a checking account in XXXX and took advantage of Bill Pay which I've paid off XXXX car loans and I'm currently paying my Mortgage through Wells Fargo Bank Bill Pay * Opened a credit Card account in XXXX that is also on bill pay recurrence. I had/have a {$6000.00} credit limit with a {$2300.00} balance. This bank could have worked with me so, I could move the XXXX XXXX  balance to the credit card. 
* Wells Fargo offered me a {$10000.00} Signature Loan in XXXX which is also on bill pay recurrence. I have enough history with this bank to be treated fairly when I have shown a history of responsible banking payments. I would like to work-out the XXXX XXXX account as well as regain my credit card status of {$6000.00} limit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: Credit Karma, LLC
State: WI

Complaint narrative:
I applied for a " pre-approved l Credit card on credit karma and was denied and my credit score got worse when I was trying to make it better because it used a hard inquirey check but if I'm " pre approved I didn't think that would have happened I noticed there's a ftc lawsuit and I would like to be a part of it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
I was a Wells Fargo Mortgage Customer and in a revolving door of foreclosure with them for 4 years from approximately XXXX to XXXX. I would jump through all of the hoops of getting approved for a modification, I would make the required payments requested to prove I could do it and then would be denied the modification. I did that 4 or 5 times. I was charged XXXX  of dollars in attorney 's fees for this process every time it happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Global Lending Services LLC
State: GA

Complaint narrative:
I would like for your company to dispute : Only ONE name should appear on all my credit reports that should be XXXX XXXX Old business names Old business bills ( workers comp and general liability bills if there I want removed ) Old addresses ( po box es and physical addresses ) Old phone bills, light bills etc. 
Old phone numbers ( All old phone numbers ) Old email addresses Charged off bank accounts Over past due loans Charge-offs Repossession of one vehicle charge off still on reports Medical bills Student loan evetho are in good standings still have past due non-payments on all three credit agencies Self builder account charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Foxstar Energy Resources LLC DBA Federal Student Loans Council
State: SC

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XX/XX/XXXX. My SSN # XXXX. Address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX. On XX/XX/XXXX, I was on line looking for student loan forgiveness. I have been a XXXX for XXXX yrs and lost my 2nd job due to covid on XX/XX/XXXX. I have had XXXX  twice and was in recovery. Student loan company were calling me about my debt. I could not afford to make the payments. Like I said I was looking for forgiveness, since they have that available for teachers after XXXX yrs of service. I called True Solutions and spoke to XXXX. He said they could guarantee complete forgiveness of all my student loans. It is for nurses. If I pay XXXX dollars a month for XXXX they will forgive my loan of XXXX. I ask how can I be sure it is legal, he said the calls will stop and you can call your student loan company and they will tell you don't owe money. When I called that is exactly what they said. I didn't know it was just a deferment. I started questioning it after making payments to them when I looked at my credit report and found they had been grayed out of my credit report. I tried several times to call them but no response. I kept getting letters in the mail for a bill with XXXX XXXX XXXX asking for money. They said they are the finance company for True Solutions. I told them I did not believe the company was legal and I'm not pay any more payments until I speak to True Solutions. XXXX XXXX continued to notify my credit report for delinquent payments. A month ago I was on line and saw where there was a class action suite for people like me who were scammed by companies like mine promising the same thing loan forgiveness. The law suite was for people from XXXX, and they were awarded money. What I don't understand if these companies were under investigation why were they still allowed to continue to scam people like me during a Pandemic? I've been trying for years to buy my own home but due to this situation my credit score is suffering. Why do these companies continue to stay open. What can I do to get justice for this?

Company response to consumer: Untimely response
Consumer complaint received 2023-01-18 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: TX

Complaint narrative:
the statue of limitations in texas is XXXX years XXXX XXXX  account number XXXX and XXXX XXXX  XXXX is over XXXX years old. this violates my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
other issue : I am due a refund on this TD bank CC. I looked in the XXXX checking account but the refund wasn't applied. I called them on 2 separate occasions to resolve this issue. The last time I called was about a week ago. They even sent a XXXX balance statement claiming the refund was applied

Company response to consumer: Closed with monetary relief