vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
During my recent refinance of my mortgage loan I believe my mortgage servicer made several errors in the processing of my loan and violated RESPA and TILA. 

I began the process of refinancing on XX/XX/2019 with XXXX XXXX NMLS XXXX Loan Advisor with Freedom Mortgage. Freedom Mortgage was my existing loan servicer and as such I felt they had my best interests in mind. This was proposed to me as a streamlined VA loan refinance to reduce my interest rate. I read through the documents and signed my closing disclosure and continued. I set my closing for XX/XX/2019 with XXXX XXXX   XXXX. I was presented a 2nd Closing Disclosure at Closing which I believed was due to the fact of making my mortgage payment in XXXX. I proceeded through the closing as the was only slightly less favorable to me. I then received a 3rd closing disclosure on XX/XX/2019 from XXXX XXXX  XXXX. This closing disclosure was more unfavorable to me and I began reaching out to Freedom Mortgage to try to find answers. Although repeatedly requesting a detailed, full and clear, written explanation of what occurred both XXXX XXXX and his supervisor XXXX XXXX NMLS XXXX did not oblige. 
In my emails to Mr XXXX and XXXX, I also indicated that the mortgage payment I made in XXXX should not be refunded, but rather applied directly to my account. As of this point, neither has occurred. I began reviewing the new loan documents after they became available and was troubled to find that my principal had increased significantly. My original mortgage remaining principal of {$290000.00} was paid on XX/XX/2019, and a new loan was created with a beginning balance of {$290000.00}. I was told by both Mr XXXX and XXXX that my principal would not change, that this was a streamlined VA rate reduction refinance and that the only thing that would be changing would be my interest rate. I have now lost almost {$2000.00} in principal and the related interest for the last two months, along with my XXXX payment of {$1800.00} that should have gone completely against principal, along with the associated interest. 
Furthermore now, I received a letter on XX/XX/2019 from my homeowners insurance company intending to cancel my policy due to lack of payment. I was not advised ahead of time that a new escrow account was going to be opened, but since it was I am not sure as to why Freedom Mortgage has not paid my homeowners insurance.

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 2019-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I AM A VICTIM OF TRANSUNIONS INQUIRY ISSUE AND THEIR CUSTUMER SERVICE DID NOT RESOLVE THE PROBLEM.

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 2019-12-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: IA

Complaint narrative:
Charge off for Student loans. For school I didnt attend. XXXX on Nebraska and I only attended XXXX state was told I went to foreberance but my loans show regression on my score major

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: FL

Complaint narrative:
You have placed incorrect information. I have no idea and i am unaware of this particular account listing. I have asked to validate the verification of this account with an original copy of a contract bearing my signature. I sent a certified letter a few months ago and still haven't received any responses. The account was removed and placed on to my credit report as another account different name, and a different date. I am asking for this to be permanently and immediately removed with an internal dispute with a human dispute as well i don't want any E Oscar dispute with a fictious verification letter.

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 2019-12-26 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: FL

Complaint narrative:
You have placed incorrect information. I have no idea and i am unaware of this particular account listing. I have asked to validate the verification of this account with an original copy of a contract bearing my signature. I sent a certified letter a few months ago and still haven't received any responses. The account was removed and placed on to my credit report as another account different name, and a different date. I am asking for this to be permanently and immediately removed with an internal dispute with a human dispute as well i don't want any E Oscar dispute with a fictious verification letter.

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 2019-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I called citi bank and let them know that I wanted to delete a checking account with XXXX  XXXX XXXX that I no longer have and and a supervisor told me I have to wait 2-3 business days and which I dont have the patience for and a day later my account was charged a XXXX return fee and i explained to citi bank that I made a payment to the wrong account and it was supposed to be deleted off the system and citi mobile app has a huge glitch in deleting its off the system and I transfer all of my money to my citi checking account and Im trying not to be penalized for that fee it was not my fault at all ... I also noticed they charge me high interest on my accounts and its ridiculous and I dont use this card that much ... .. and I paid back the cash advance fees ASAP and make my payments all the time I need that XXXX fee to be wavied ... and I try to get citi bank to cancel that payment the same day but they are unable and I got charged a XXXX return fee

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 2019-12-26 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: GA

Complaint narrative:
I never gave the credit bureau nor creditors consent to pull my credit profile and by law that is violating my rights and the law under the FCRA. I have an attached letter below that explains the incident. I have 11 unrecognized inquiries on my consumer report that i am completely unaware of. I wasn't contacted by any creditor nor the credit bureau of an attempt to inquire about a new account on the dates listed. I didn't receive any phone calls or letters pertaining to the incident. I am highly disappointed that i had a security freeze at the time of the inquiries listed on my report. If the inquiries aren't removed within 3 business days i will post via XXXX website, i will pursue legal actions against the credit bureau, i will be adding compensation for the mishandling of my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: CA

Complaint narrative:
I have been since XX/XX/2019 requesting to have a mortgage through XXXX  XXXX  XXXX  be reported correctly on my credit bureau. I have disputed this several times with all parties and to date this is still reporting illegally and incorrectly. I'm in a back and forth between Experian and XXXX  about the final status of this mortgage. XXXX   responded to cfpb in writing that they have instructed all credit bureaus of a paid in full on this account and to date it has not reported that way on my credit bureau. I paid a mortgage off in full and its being reported " settlement '' or less than full balance. When I called experian they ask if the sale was a short sale, I told them absolutely not. They said XXXX was still reporting account as a short payoff of!!

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 2019-12-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Direct Recovery Services, LLC
State: NV

Complaint narrative:
Company left message threatening federal actions and disclosed information about a debt illegally on a voicemail

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
HSBC ( XXXX ) has not resolved an issue first filed XX/XX/2019. They need to investigate payments to account XXXX Regardless, my credit report has suffered, having declined more than 120 points in the last 10 months. This has caused me to 1 ) loose over {$25000.00} of credit line on various credit card accounts, 2 ) I can not obtain new credit lines, leave alone financing for my business. These are true hardships that have adverse impacts on my livelihood. 




Cordially, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one just restricted my SECURED CREDIT CARD for no VALID reason. 
I have never been latew with payments in over a year since i opened the account with a secured deposit of {$100.00} and was given a credit limit of {$200.00} that later on they increased without me asking for it to {$500.00} for a week and a half later restricted it for no explaination as every time i called they claimed that they cant provided me with details of they desicion. 
the card in refence is XXXX Please HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have been since XX/XX/2019 requesting to have a mortgage through Specialized Loan Servicing be reported correctly on my credit bureau. I have disputed this several times with all parties and to date this is still reporting illegally and incorrectly. I'm in a back and forth between XXXX  and SLS about the final status of this mortgage. SLS responded to cfpb in writing that they have instructed all credit bureaus of a paid in full on this account and to date it has not reported that way on my credit bureau. I paid a mortgage off in full and its being reported " settlement '' or less than full balance. When I called XXXX  they ask if the sale was a short sale, I told them absolutely not. They said SLS was still reporting account as a short payoff of!!

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 2019-12-26 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I reported this problem around 6 months ago regarding XXXX  XXXX, XXXX, XXXX  and exquifax. I filed bankruptcy on XX/XX/2019 and received a discharge on XX/XX/2019! Of all my debt owed. I reported this problem about 6 months ago and it was fixed. Now XXXX  is reporting this same information as being late and a balanced owed. My credit score just dropped 47 points because of this incorrect information from XXXX and XXXX  XXXX, XXXX, XXXX  and exquifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: CT

Complaint narrative:
I reported this problem around 6 months ago regarding XXXX  XXXX, XXXX, transunion and XXXX. I filed bankruptcy on XX/XX/2019 and received a discharge on XX/XX/2019! Of all my debt owed. I reported this problem about 6 months ago and it was fixed. Now XXXX  is reporting this same information as being late and a balanced owed. My credit score just dropped 47 points because of this incorrect information from XXXX and XXXX  XXXX, XXXX, transjnion and 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 2019-12-26 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: CT

Complaint narrative:
I reported this problem around 6 months ago regarding finger hut, Experian, XXXX  and XXXX. I filed bankruptcy on XX/XX/2019 and received a discharge on XX/XX/2019! Of all my debt owed. I reported this problem about 6 months ago and it was fixed. Now XXXX  is reporting this same information as being late and a balanced owed. My credit score just dropped 47 points because of this incorrect information from XXXX and XXXX  XXXX, Experian, XXXX  and 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 2019-12-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BMW Financial Services NA, LLC
State: CT

Complaint narrative:
I had a XXXX  financed through BMW Financial Services and for some reason on my Credit Report it states " Balance Owing. '' I always have paid my bills on time with BMW. I am requesting that they as a good will gesture change their reporting to XXXX   balance owing or simply respond to this complaint by giving me more information about this balance owing. I do not recall owing any money after turning this vehicle in. Please communicate in writing only no phone calls please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I tried to use my membership rewards and it keeps saying " under review ''. The terms and conditions state that the reward bonus can be reviewed only up to 8 - 12 weeks, but I got the reward bonus many many months ago back in XX/XX/2019, so it is well past 8 - 12 weeks. Many months past. Many many many months past. 

Given that it has been well over the timeframe for review, please unfreeze and unlock my membership rewards account so it can be used. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: TX

Complaint narrative:
XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX  some other banks showing over limit b/c of my breach they need to to correct this asap bc im looking to buy a biz it's causing some weird scores to show up see attached documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-26 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: TX

Complaint narrative:
XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  some other banks showing over limit b/c of my breach they need to to correct this asap bc im looking to buy a biz it's causing some weird scores to show up see attached documents

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 2019-12-26 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  some other banks showing over limit b/c of my breach they need to to correct this asap bc im looking to buy a biz it's causing some weird scores to show up see attached documents

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 2019-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
regions bank went o close my account still havent refunded my money since our last dispute Regions bank just keeps charging me a fee not returning anything yes

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 2019-12-26 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I've notified Equifax several times regarding incorrect information on my credit report. They've replied to one inquiry specifying that the information has been verified, but upon request of information pertaining to how they verified the information they've ignored me. They've provided me no information as to how this inaccurate information is valid. I've mailed them information on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: FL

Complaint narrative:
my auto loan was paid in full with XXXX XXXX XXXX at the end of XX/XX/2019 and all 3 credit bureaus are showing it as open and a balance owed still. Why at the end of XX/XX/XXXX is it not showing on the 3 credit bureaus a " XXXX '' balance. This has affected my credit score as well as trying to obtain further credit. I have contacted transunion and XXXX to fix, and i was told that this matter would be handled within 72 hours and it is 5 days later and despite the holiday, this should have been taken care of.

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 2019-12-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
my auto loan was paid in full with XXXX XXXX XXXX at the end of XX/XX/2019 and all 3 credit bureaus are showing it as open and a balance owed still. Why at the end of XX/XX/XXXX is it not showing on the 3 credit bureaus a " XXXX '' balance. This has affected my credit score as well as trying to obtain further credit. I have contacted XXXX and XXXX   to fix, and i was told that this matter would be handled within 72 hours and it is 5 days later and despite the holiday, this should have been taken care of.

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 2019-12-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
my auto loan was paid in full with XXXX XXXX XXXX at the end of XX/XX/2019 and all 3 credit bureaus are showing it as open and a balance owed still. Why at the end of XXXX is it not showing on the 3 credit bureaus a " XXXX '' balance. This has affected my credit score as well as trying to obtain further credit. I have contacted XXXX  and XXXX  to fix, and i was told that this matter would be handled within 72 hours and it is 5 days later and despite the holiday, this should have been taken care of.

Company response to consumer: Closed with explanation