vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-29 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: IN

Complaint narrative:
For the SECOND consecutive time, Experian claims to have " verified '' a bankruptcy with the furnisher of information. This is impossible, a complete fabrication of the truth and a miscarriage of justice. Pursuant to Rule 1005 of the Federal Rules of Bankruptcy Procedure, all documents filed with the court are to contain only the last four digits of the individuals social security number or tax identification number ( TIN ). Under the Federal Rules of Bankruptcy Procedure, a debtors full social security number is filed with the original petition, and filed under seal. Meaning the only information released to third parties who are not involved directly with a bankruptcy petition is ( 1 ) Your Full Name, ( 2 ) The Last Four Digits of Your Social Security Number, and ( 3 ) Your Address. I see no " Motion to Unseal '' filed with the U.S. Bankruptcy Court. Having only this information is NOT enough to verify an account. MOREOVER, the U.S. Bankruptcy Courts DO NOT verify information with credit bureaus, which means Experian and their presumed partner, XXXX, are fabricating their dispute results. I want the CFPB to intervene and figure out how this information is " verified '' knowing courts DO NOT verify records, and " data miners '' such as XXXX have only limited access to my personal information.

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 2020-09-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: AE

Complaint narrative:
The VA loan on my home is serviced by Freedom Mortgage which requires payment to an escrow account for the purpose of assuring payment of property taxes and private hazard insurance premiums. At all relevant times up to and including the present, I made payments through automatic withdrawal, never missing a payment and never making a late payment. 

For the year XXXX, Freedom Mortgage paid the first installment of the property taxes when due in XX/XX/XXXX, however, Freedom Mortgage failed to pay the second installment which was due in XX/XX/XXXX. I became aware of this when I did my XXXX taxes in XX/XX/XXXX and immediately contacted Freedom Mortgage on XX/XX/XXXX, explaining the situation. On XX/XX/XXXX, Freedom Mortgage paid the delinquent taxes, as well as a {$220.00} penalty which had been assessed by the county for the late payment, using funds in my escrow account. On XX/XX/XXXX I contacted Freedom Mortgage and asked for the {$220.00} penalty to be credited to my escrow account. 

After receiving no response, I sent Freedom Mortgage a qualified written request on XXXX XX/XX/XXXX asking them to credit my escrow account in the amount of {$220.00}. I received a response from Freedom Mortgage dated XXXX XX/XX/XXXX stating that, according to their research, the taxes were billed annually due to a change in my principal residence status. Although, my principal residency status did in fact change due to a move overseas, this did not occur until XXXX of XXXX and did not negate the fact that the second installment of the XXXX property taxes were still due in XXXX or the fact that, pursuant to the Real Estate Settlement Procedures Act ( Regulation 1024.17 ( k ) ( 1 ), the responsibility for timely payment of the property taxes rested with Freedom Mortgage. 

In addition to losing the {$220.00}, I also lost the opportunity to deduct the full property tax amount from my XXXX taxes. I have also spent considerable time attempting to resolve this issue with Freedom Mortgage without success. I am requesting that Freedom Mortgage credit my escrow account in the amount of {$220.00}.

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 2020-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation
State: PA

Complaint narrative:
I sent a letter to Deville Asset Management at the address they provided to XXXX, XXXX XXXX XXXX, XXXX, XXXX, TX XXXX. That mail was returned to me as undeliverable. That address is not valid, therefor they are not reporting 100 % factual information to the credit bureaus. These are violations of the FCRA and FDCPA. HELP ME!

Company response to consumer: Untimely response
Consumer complaint received 2020-09-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
I am a XXXX XXXX. Due to COVID, I was unable to make my mortgage payments on time for the month of late XXXX and XXXX. XXXX  XXXX  were cancelled. I was only assisting on 2 XXXX  XXXX  at best per week. I did not want a forebearance because I thought that it would hurt my credit score. I was under the impression that being late during the initial period of the COVID would result in no negative impact on my score. I was able to make the mortgage payments but late. I have reached out to loan depot on several occassions and asked them if they could remove the late payments from my credit reports due to COVID. They however, have told me no over and over again. I was only recently told about the second late yesterday. I value my credit and even during this pandemic, I have stayed strong and paid my bills. I have not received any unemployment or such. I am an XXXX  XXXX. Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: Freedom Mortgage Company
State: MA

Complaint narrative:
Issue with Freedom Mortgage. 

An online payment did not go through, and they failed to notify me of the late payment until it was over 30 days past, resulting in bad credit report. They refuse to acknowledge any glitch/error. Upon contacting them they now falsely claim that they contacted me. My phone logs shows they did not. They never left a voicemail, never mailed anything, emailed me. The only positive contact made was on XX/XX/2020 for a payment due on XX/XX/2020 that did not go through online.

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 2020-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
Issue with American Express Consumer card : As per the CARD ACT of XXXX, Credit card companies were given guidance on how to distribute consumer payments across different APR balance. The CARD Act has prohibited this disadvantageous payment allocation system and requires credit card companies to apply consumers credit card payments to the highest APR first. 

on XX/XX/XXXX, I took a cash advance with fees totaling {$1000.00} at 25.24 % interest. once the payment posted, I called to get the amount required to pay off and was told minimum payment ( {$200.00} ) plus cash amount balance ( {$100.00} ) and to also account for compounding interest until the payment posted. I made a payment of {$1300.00}. 

XXXX statement- charged {$22.00} in interest because of paid cash advance. I called and was told that it would be fixed. It was not XXXX statement- charged {$19.00} in interest because of paid cash advance. 

I called American express on XX/XX/XXXX and was told- verbally- by the representative amounts over the minimum due are applied to lowest APR purchase first. My APR is currently 0 % .Iexplained to her that was not accurate and she preceded to tell me about the payment hierarchy that Amex follows. Why does this excuse the act to protect consumers from making good on payments and not be consumed with interest and debt from large corporations. If this is not investigated, I will contact the FTC to launch an investigation into the fraudulent behaviors of one of the largest consumer credit cards taking advantage of other citizens who may not be aware of their consumer rights.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
In XXXX a company called XXXX XXXX, under the name cbe group ( partnered with XXXX  ) applied on my credit report a XXXX $ debit that I have no knowledge of or ever used. I was a customer of XXXX  for a year and paid XXXX $ per month and at the end of my service I returned all equipment and paid all fees. I already have XXXX  on audio confirming all my accounts with them are at XXXX and closed out. On XX/XX/XXXX I filed a complaint with XXXX  to have them remove it from my account yet they told me my social security number was confirmed on being on file with them. I believe this to be some type of fraud and havent been able to contact the creditor about this situation either

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I have a HAMP loan modification mortgage with PHH ( owned by Ocwen ) but PHH has a division called XXXX that services the modification. 

In XXXX I opted to accept a recast offer. All was in order and I kept a copy of all documents I signed. 


My recast offer, approved and executed states I owe {$730.00} on XX/XX/XXXX Then {$780.00} XX/XX/XXXX on until maturity. 


However I received a letter dated XX/XX/2020 from XXXX Which states I owe {$860.00} XX/XX/XXXX Then and {$590.00} XX/XX/XXXX until maturity. 

This company continually makes gross errors in administration that appear to misinform the customers creating mass confusion and creating an unfathomable capacity to send in the WRONG amount, consequently resulting in default and foreclosure - loss of home by owner. 

PLEASE peruse documents attached and take whatever steps necessary for bank to provide ACCURATE UNDERSTANDABLE MORTGAGE DOCUMENTS THAT WILL NOT CONFUSE AND CREATE A SITUATION WHERE THE AMOUNT OWED IS SO AMBIGUOUS AND DIFFERENT ON DIFFERENT DOCUMENTS SO THE WRONG MORTGAGE PAYMENT AMOUNT MIGHT BE SENT! 

Furthermore although A name was provided of a person to contact there was no DIRECT email or DIRECT phone number to reach this person. Hence one spends hours trying to reach them only to be told call a number that is routed to XXXX or the XXXX where the customer service agents do not help but tell you they do not work for XXXX and can not connect you! 


It is absolutely criminal the way customers are COERCED into a wild goose chase to follow up with no contact made and no resolution able to come to fruition.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: FL

Complaint narrative:
I purchased a new vehicle in XX/XX/XXXX and financed through XXXX XXXX. 
At the time of purchase, I included a GAP insurance policy. This vehicle was involved in a collision on XX/XX/XXXX and determined to be a total loss. I started the GAP  claim immediately and communicated with all parties. 
I was sent a bill from XXXX XXXX for {$760.00} in XX/XX/XXXX. Working with the GAP  insurance company, we were able to determine that the amount corresponded with the expected prorated refund from the GAP Policy. The dealership, XXXX XXXX XXXX in XXXX had cut a check to the lender for the prorated remainder of our extended warranty, however mistakenly did not include the prorated remainder of the GAP policy. They acknowledged the error and indicated that they would resolve this promptly. 
I was sent another bill from the lender for {$760.00} in XX/XX/XXXX. I communicated directly with XXXX XXXX and explained that this amount was to come from XXXX XXXX XXXX, and indicated that I would follow up from them. 
The COVID-19 pandemic caused some issues, as the finance manager at the Dealership who needed to resolve this started working remotely, and there was apparently a great deal of chaos. I communicated with XXXX XXXX numerous times updating them on the status, and indicating my concern that this could have an impact on my credit. A representative from XXXX XXXX assured me that there was no reason for concern, and told me that it would all be dealt with once the account was paid off. 
The dealership finally paid this amount to the lender in XX/XX/XXXX, leaving a balance of {$34.00}, which I paid immediately. 
The account, now closed, is reporting a charge-off status, and severe delinquency for the amount owed to the lender from the dealership. I have contacted the lender numerous times and they stated that the account was in good standing as far as they're concerned. They advised me that the department that handles these matters does not speak to consumers directly, and further advised me that I should proceed by filing disputes with the three credit agencies. I have taken the latter action, however upon conclusion the delinquency still shows on my credit reports.

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 2020-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
Y'all have stolen from me. All my medical debt was covered by insurance, uet these charges are obviously more than simple insurance adjustments. You are purposely ruining my credit, not to XXXX the call to XXXX where they stated they couldn't find remarks I was looking at on my report. You are thieves!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have information missing from my credit report : - XXXX XXXX - XXXX - XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2020 I signed a registration for a repatriation fight from XXXX to XXXX XXXX offered for a travel agency named XXXX XXXX. 
I received an email letting me know that they received my registration to flight on XX/XX/XXXX. and I needed to make the payment right away to secure my seat, which I did for a total of XXXX, without noticing that the email said XXXX to XXXX not XXXX XXXX. 
When I noticed my mistake I called the agency but I couldn't get anyone on the phone, so I sent them an email asking not to put my payment trough. 
I also called the credit card company " City Bank '' requesting to stop the payment, they told me that they could not see my charge yet and I needed to wait for it to show on their records. 
When the charge showed on my account the only option I had was to open a dispute which I did. But the travel agency has denied my claim. 
Later on I found out the only way to contact this agency is through a XXXX account that they provide you after you go through all the buying process. 
My problem is that I had done all these communications using my phone and I do not have records of some of them.

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 monetary relief
Consumer complaint received 2020-09-29 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: LA

Complaint narrative:
Someone stole my identity by putting an apartment in my name and other resources. I did not agree to any of these items being placed are used with my information.

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 2020-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I sent an email ( internal to Hyundai Finance Website ) approximately a month ago warning them that they had scheduled a regular payment ( {$340.00} ) for XX/XX/XXXX though the remaining balance on loan was {$280.00} but they ignored it. On XX/XX/XXXX, Hyundai Finance debited my checking account {$340.00} by ACH transfer, that is an overpayment of {$60.00} on loan, I financed {$22000.00} at 0 % in XX/XX/XXXX, there is now {$22000.00} in payments. This overpayment is an unlawful conversion of funds, they were forewarned though it is not my responsibility to do their accounting, and I now wonder how many consumer accounts they are stealing from. I called ( XXXX ) this morning and spoke with a Supervisor named XXXX in Texas to demand that my funds be returned to me by the same method ( ACH Credit Draft ) but they refuse to comply. Furthermore, I told them to cease and desist from any future ACH debit transfers from my checking account as the loan is more than paid in full, and to send my pink slip removing them as the lienholder. I have no assurance from Hyundai Finance will do the right thing considering they have already engaged in unlawful fund  conversion. I now have to call my bank ( XXXX XXXX XXXX  ) to dispute the transaction and I will have to pay fees to stop payment on ACH debit.

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 2020-09-29 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: LA

Complaint narrative:
Someone stole my identity by putting an apartment in my name and other resources. I did not agree to any of these items being placed are used with my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: LA

Complaint narrative:
Someone stole my identity by putting an apartment in my name and other resources. I did not agree to any of these items being placed are used with my information.

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 2020-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
There is an item on my credit reported dated on XX/XX/2020 from Wells Fargo Home Mortgage stating that there was a dispute regarding my mortgage payments that went into a forbearance due to COVID-19 consequences.

I have never filed a dispute with Wells Fargo, yet they listed that I had a dispute with them and it now shows on my credit report.

I did however, had a disagreement over the phone with the representative I spoke with. I told the representative how misleading was the Wells Fargo advertisement for homeowners seeking assistance through COVID-19. It was a conversation I had over the phone with the representative of Wells Fargo. I never filed a dispute. In fact, I initiated mortgage payments after the forbearance period was over. And by law, my credit should not be negatively impacted. 

I had no idea that having a conversation over the phone with a Wells Fargo representative would lead to them negatively impacting my credit score. Absurd!

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 2020-09-29 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I was a victim of fraud on My American Express Card ending in XXXX. American Express confirmed that I would not be responsible for the fraudulent activity in writing. American Express proceeded to place a collection on my credit report for the outstanding fraudulent charges. I can provide verification in writing from American Express that I would not be responsible for the fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have information missing from my credit report : - 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 non-monetary relief
Consumer complaint received 2020-09-29 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX on XXXX and Experian

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