vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-01 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: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
improper investigation methods used are resulting in extortion on debts beyond statute being pushed into files, XXXX is refusing to staff company and recieve reports. XXXX  is flat out refusing to comply with the law. BOTH NEED TO BE SERVED IMMEADIATELY, as does XXXX, XXXX, and several other ID verification landlord used systems. They buy and resell old and inaccurate data and refuse to remove any of it. This includes inaccurate public records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
To Whom it may concern, I have my FHA mortgage with Lakeview/Loan Servicing LLC. Their website and phone message state they will get back to you within 3 days after requesting forbearance due to covid-19. That is a lie. I applied in the past 2 weeks and have heard nothing back. I am unemployed and my mortgage is due and can not pay. They may be in violation of the Cares act. This company has major trust issues. This is not first I or anyone has complained about them Please help! 



Thank you! 

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 2020-05-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
On Friday, XX/XX/XXXX, I received a letter from Freedom Mortgage that my mortgage was being transferred from XXXX to Freedom Mortgage. There were two letters that I received from Freedom Mortgage, one was a welcome letter outlining who Freedom Mortgage is, as well as the principal, interest, escrow and any other fees or penalties that may accrue. The other letter was more detailed on when my next payment is due. The welcome letter looked suspicious because throughout the letter, key areas of information such as my name, date, address, and payment amounts were all in different font colors than the rest of the letter. 

I called Freedom Mortgage and spoke to two people ( one was a customer service representative, and the other was a supervisor ). I explained to them that I received these letters but I am not sure why because I have not received anything from XXXX indicating that my mortgage was being transferred. Apparently they have all of my information, including my social security number. I asked for someone to email me a copy of all the documents that they have pertaining to my mortgage to verify if it is legitimate. The representative said that it would take three business days to complete the order, which I was not pleased about ( three days to send an email???! ) They said that they could expedite the process so I can receive the documents sooner, which I said sure. 

Today is Friday, XX/XX/XXXX and I still have not received the documents that I requested to verify that Freedom Mortgage is ; one, a legitimate institution, and two, that this transfer of service is legitimate as well. Freedom Mortgage does not have any offices available, and even if you take the COVID-19 situation out of the equation, I would have to call and wait in queue in order to speak to someone about my issue, rather than going into a local branch and dealing with this situation, or any that may come up in the future. I am very concerned about this.

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 2020-05-01 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: MO

Complaint narrative:
It has come apparent to me that the three ( 3 ) major credit reporting agencies are not following the rules and laws of the FCRA. I reported to the 3 credit reporting agencies of the lost / stolen personal information regarding my identity. And since my identity has been compromised it has profoundly effected my credit file. I summoned the credit reporting agencies to send me a certified physical documentation via their Method of Verification in regards to these fraudulent and unknown accounts reported within my credit files. I'm demanding that these unauthorized accounts be blocked and removed from my credit file immediately. 

1 ) XXXX XXXX {$710.00} 2 ) XXXX XXXX XXXX {$470.00} 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX 6 ) XXXX XXXX 7 ) XXXX XXXX XXXX XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX ) XXXX XXXX XXXX 11 ) XXXX XXXX {$31000.00} 12 ) XXXX XXXX {$6600.00} 13 ) XXXX XXXX {$6000.00} 14 ) XXXX XXXX {$3500.00} 15 ) XXXX XXXX {$3500.00}

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 2020-05-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AES/PHEAA
State: WA

Complaint narrative:
For the past 10 years I have paid FedLoan {$710.00} per month, on time without any delays or missing payments. Every month they would email me reminding me that my payment was due. I called them and asked them why they need to keep reminding me when my account is in full compliance, they told me they would stop, but the reminders did not stop. When I talked to them asking them why they were not forgiving any of my debt after working in a XXXX XXXX school for more than 5 years, they told me that I was signed up for the wrong forgiveness program. Again, completely misguided by them. When my loan was very nearly paid off earlier this year I did not get a bill in the mail as usual, but instead I got a Paid In Full letter. I was relieved, but then the harassing phone calls and emails began again, telling me that my payment was late, and a collection agency would be called, even though it had been less than a month past due date. When I would call them I would need to talk to several people due to the rudeness of the people attending to my account. FedLoan has been completely unhelpful, discourteous, and unprofessional in assisting me over the past ten years of payments. It has been a terrible experience ; the worst ten years of my life. FedLoan is a greedy, shameful institution that I recommend people stay clear of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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:
This letter is a request based on empirical evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. Scott v. 
The United States, 328 F.3d 132, 139 ( 4th Cir. 2003 ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; a detailed examination ; systemic inquiry. Websters New Universal Unabridged Dictionary, p. 966 ( 2d ed. 1983 ). 

The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: OH

Complaint narrative:
On XXXX I mailed to Experian their Dispute for identifying multiple errors. The first is an incorrect phone number. It is off by a digit and XXXX  agreed with me on an identical complaint to them and corrected the problem. Second, Experian has an incorrect spelling of my first name ; they have a version as XXXX, which leaves out the " r ''. XXXX  and XXXX  do not have this misspelling. Experian has two mispellings of my eployer 's name, a law firm. In one example they run together names without spaces between them and do not capitalize the names and do not have the full last name of one named partner ; In another they do not list all of the names of the named partners. During my employment the firm names have been : XXXX XXXX and XXXX ; XXXX XXXX XXXX and XXXX, another name with multiple names partners and, currently, XXXX XXXX XXXX and XXXX. Experian assigned a case number to my dispute, XXXX and by an undated reply, probably XXXX, denied my dispute. This is mind-boggling and evidences an historical and on-going inability or unwillingness to deploy care and attention to information. Now Experian has added insult to injury. Their response to me adds a new mispelling, of their own making. They now have my middle name as XXXX instead of XXXX. I now have located yet another Experian mistake which surfaced as I tried to create an account for myself with the IRS. As the IRS bases personal identification on what Experian lists and as that information is incorrect, the IRS, on line, would not recognize me as me. Experian has an icorrect number for my current mortgage account number. First they do not list all of the digits in the account and second, they have an incorrect digit. As Experian does not show all of the digits of the account number, they may well have additional digits with incorrect numbers. If I were a betting man, the good bet is additional errors.

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 2020-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
This company has put " fraud alerts on my account failed to share why requested the authorize users info not mines for verification, which was submitted they then called after confirming they received everything claiming they needed the authorized users that aren't on my account anymore but wont give information on what is going on with my account nor asking for my info to verify me. The representatives were very rude and unprofessional and highly unorganized to be giving piece by piece of information and calling asking for items that aren't needed this information should have been asked for at once. I have had and maintained this account for a while and this by far is the worst experience I have had and I am highly disappointed and will be filing complaints with cfpb, XXXX and my attorney general ask know feel that my rights have been violated, compromised and discriminated. 

I asked the alleged supervisor XXXX in the Fraud dept for information and she failed to give to me never once was my identity verified when giving information and I know all calls are recorded and on my end, I will be reaching out to my legal team if I don't get solidified information regarding my account and its security this has placed me and children and family at risk cause depend on the card for our necessities. this experience is by far unprofessional

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-01 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:
TransUnion is reporting on my mortgage with XXXX Mortgage an inaccurate and unauthorized comment/remark that states : " Affected by Natural Disaster. ''

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 2020-05-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
They fail to send statements like I have always received for years. Because of that a payment was missed. Because of that they charged a late fee and interest. This was for last month. This month they have failed to send a statement again and this time on their website, one document says no minimum payment is due today and another statement says {$41.00} minimum is due. So if I had believed their first statement, no payment would have been sent today and another late fee and interest would have been charged. This is a clear and obvious pattern of fraud! So then I call on the phone and their system will not accept responses so I can not even talk to anyone. I will not make any more payments now until these issued are corrected as this is a breech of contract and fraud.

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 2020-05-01 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: ALLIANT CREDIT UNION
State: IL

Complaint narrative:
I had an outstanding collection with Alliant Credit Union. When I tried to settle my debt with them, they told me that they can not speak to me because my debt was sent to a collection company. 

I spoke with the collection company ( XXXX ) and settled my debt for {$2000.00}. On the letter that I received from them, they stated that " your account will be updated on your credit report as settled/paid in full. '' My credit report was updated to show my balance with XXXX as {$2000.00} less than what it originally was. They did not report this as settled, rather they subtracted my payment from what I originally owed them. 

They are now showing that my account is still outstanding which is impacting my ability to obtain a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: MO

Complaint narrative:
It has come apparent to me that the three ( 3 ) major credit reporting agencies are not following the rules and laws of the FCRA. I reported to the 3 credit reporting agencies of the lost / stolen personal information regarding my identity. And since my identity has been compromised it has profoundly effected my credit file. I summoned the credit reporting agencies to send me a certified physical documentation via their Method of Verification in regards to these fraudulent and unknown accounts reported within my credit files. I'm demanding that these unauthorized accounts be blocked and removed from my credit file immediately. 

1 ) XXXX XXXX {$710.00} 2 ) XXXX XXXX XXXX {$470.00} 3 ) XXXX XXXX XXXX  4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX  XXXX 6 ) XXXX XXXX  7 ) XXXX XXXX XXXX XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX   10 ) XXXX XXXX XXXX 11 ) XXXX XXXX {$31000.00} 12 ) XXXX XXXX {$6600.00} 13 ) XXXX XXXX {$6000.00} 14 ) XXXX XXXX {$3500.00} 15 ) XXXX XXXX {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: ONEMAIN FINANCE CORPORATION
State: NY

Complaint narrative:
ONEMAIN Reporting the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as LATE on my credit report which has affected every aspect of my life negatively. 

Reason : My bank rejected the payments, but as the documentation shows I was a victim of Identity Theft and as an error they rejected it. They have requested ONEMAIN to remove this because this is not my fault. I don't have control with what happens with the banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: CA

Complaint narrative:
Experian is reporting on my mortgage with XXXX XXXX   a comment/remark that is not accurate, nor authorized : The comment reads, " Account effected by natural disaster ''. This is false as the account is paid as agreed and current. Therefore, no remark nor comment is necessary.

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 2020-05-01 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: GA

Complaint narrative:
To whom it may concern. 

I had my Credit Report pulled for my review and I noticed both XXXX XXXX XXXX  accounts are reporting incorrect. These account numbers are XXXX ... XXXX & XXXX ... XXXX. Now these have been paid off since 2017 but are still showing that they are in a collection status. The status on my report states paid but the history still shows collection and that is incorrect. It wasn't a collection but a garnishment of my military retirement check.If XXXX would look into my payment history, they would see this. I am sure its an oversight but the information is wrong and by law the account must be removed due to incorrect info.

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 2020-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was scammed by a lady that I adopted a puppy from. She had a " pet delivery service '' which I believe she is working with because the emails they sent me were unprofessional and claimed to be " XXXX XXXX '' on one email and " XXXX XXXX '' on another plus they only took payments via XXXX, wire transfers, or XXXX. Many red flags, but I wanted the puppy so bad I proceeded as I believe my bank would protect me plus I was promised a full refund by the individuals. Nonetheless, I was told I had to pay {$600.00} for a special crate for the puppy to survive the flight, but that it would be refundable upon delivery. On the day of the delivery, I could no longer accept the puppy due to personal issues that arose and I paid the " delivery service '' another {$200.00} to transport the puppy back to the owner. The following day after ignoring my messages they finally reached out to say the puppy is " sick '' and that I needed to pay {$400.00} for her medical bills. I asked what vet they took the puppy to, what was the diagnosis, and what was the phone numeber of the vet office. They would not answer. I kept asking and they became annoyed and told me they were using " their '' vet, but refused to give me any information or contact for the " vet. '' I contacted the police after they began threatening to sue me for " pet abandonment '' and demanding I pay for the medical bills. The police informed me I've committed no crime, I am not legally responsible for the bills, and that I was being scammed. After that I reported these individuals to the FBI ICC and obtained an attorney. I then tried reaching out to Chase to have the quickpay transactions to the individual reversed, but they claim they could not. This is unbelievable. Why am I banking with them if they will not protect me from fraud and scams? I understand I made a mistake and did not practice the best judgement, but I am human. I shouldn't have to be out of {$800.00} because someone else has decided to scam me regardless of the red flags or anything. I should be protected by my bank. If XXXX doesn't give these banks jurisdiction over reversing XXXX ( that is what the representative told me ) then they need to find another company to work with. I am disgusted with Chase. It is not the first time they have refused to help me. And I am looking to bank elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Direct Capital
State: TN

Complaint narrative:
Called from XXXX. Announced himself as XXXX XXXX, an officer of Direct Capital. Says hes calling about a legal claim his office will soon file against my social security number. He wants to speak with either me or my counsel, in order to obtain a statement of intent for repayment. Says, this is a time sensitive matter ; in order for this to not go into a legal setting, they need to hear from me by close of business tomorrow. If they dont hear from me, a decision will be rendered and all rights forfeited. Gave an office number of XXXX. Called back repeatedly after being asked to discontinue calling, became profane and threatened to sue me and that " he would not go away ''

Company response to consumer: Closed with explanation