vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
XXXX   XXXX  - Rescinding Offer/cancelling refi loan due to negligence of the Lender. Multiple laws broken/mortgage fraud/lender overriding successor/spouse of community property for spouse, falsifying documents, pushing closing/notarizing through despite requests for cancellation of loan multiple times by both borrower and spouse/No attempt to verify and confirm documentation, contact, basic knowledge, loan details, or aggreeance of spouse and successor of interest of community property/ Multiple incorrect and false documents. Homestead declaration documented incorrectly as waived when it should, would, and will be declared homestead if lenders legally abided by CA state laws,  XXXX  guidelines and orders, the laws and rules of the FDIC, let alone the ones that are on the documents that you push and fast track borrowers to sign illegally. Also very important is how the EPA you came to is completely incorrect, false, and not agreed upon with Lender ( that was informed twice by m e ) and spouse/successor.   XXXX   XXXX  which I contacted twice on  XX/XX/17   . Spoke with her and told her briefly of our legal situation and that I just found the documents to the loan on my home because my lender nor husband informed me of the loan details ; on my and our childs own home due to the borrower on title and lender coinciding. She stated, " I understand and did n't know, we will cancel and void the loan. '' As well as making contact with another employee of Mortgage Freedom just to be safe and she said she will red flag and cancel the loan, and stated, " I do n't know how it got this far! It just needs to be notorized ''. Despite me just finding an electronic copy of the finalized version of the revised loan offer on  X/XX/17    because the lender or spouse never notified or sent documents for me to review, no access to your secured document site to view what was going on with my property, knowing my spouse was planning on getting it notorized behind my back, and speaking to two different representatives..

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 2017-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Dear Sir Or Madam, I tried to open a Cap italOne 360 checking account about eight m onth ago.   My application was rejected because of an unclear verification issue.   In spite of my com plaint No.  :  XXXX  by CFPB, a transparent verification procedure was not provided and a CapitalO ne 360 checkin g account was not opened.     However, I receive
d a CapitalOne   offer to apply for a credit card about one week ago.
Could you explain why CapitalOne   fi
rst rejected my application for a simple checking account and then offers me to apply for a credit card?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Direct Recovery Services, LLC
State: TX

Complaint narrative:
On  XXXX   XXXX ,  2017, I wa s contacted by Direct Revoevery Services which indicated I owed a debt and that they had personal information which indicated I had to pay the debt. This initial contact was via voice mail. I contacted them concerning the voicemail and spoke with an male who refused to provide me with specific information regarding the debt. He was rude and kept insisting that I had to pay the debt or else. He further indicated that he was NOT going to provide me with any written information as requested regarding the debt. He refused to answer any questions I might have only repeating that I had to pay the debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 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: FL

Complaint narrative:
XXXX ,   XXXX   and Equifax are reporting late payment history for an obsolete account that is eligible for deletion.  XXXX   XXXX , account number  XXXX , date opened  XXXX /2005. This account was not paid late and I have asked  XXXX ,  XXXX  and Equifax repetitively to remove the outdated account with incorrect payment history.. Then I have asked for the  XXXX , Equifax and  XXXX  if verified to please provide how this debt was verified and to please provide who verified so that I can escalate the matter to assist me in getting this outdated account removed with incorrect payment history. I am baffled as to why the company is refusing to remove the outdated account or update the incorrect payment history. I have not been late with the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX   XXXX  services provided documentation to remove this account from my credit file Equifax refuses to remove the account. Equifax does not read the letters provided in order to correct the credit. If this error does not get removed from my credit file asap, i will file court proceedings against them. i have further attached the documentation.   it has been over 6months since the last filed complaint that was never cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit for all  XXXX  bureaus is always locked until I unlock them. Recently, I decided to buy a new car, so on  XXXX   XXXX  I unlocked all  XXXX  reporting bureaus so that the car dealers could access my credit. I removed the freezes for just  one  day.  XXXX   XXXX  and  XXXX  automatically re-froze my credit on  XXXX   XXXX , but Experian would not do so even after I called them to do it. They are leaving it unlocked until I sign up for their credit-monitoring service that will coast me {$24.00} per month. I have appealed to them to freeze it up, to lock it up but they are refusing to do so unless I become a member of their credit-monitoring service. They keep sending me emails that my credit is unlocked. This is intended to frighten me into joining their credit-monitoring service. This is blackmail in the literal sense and has to be illegal. I simply want them to freeze my credit up again.

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 2017-05-29 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: NJ

Complaint narrative:
XXXX   XXXX   XXXX  provided documentation to remove this account from my credit file   XXXX    refuses to remove the account.  XXXX  does not read the letters provided in order to correct the credit. If this error does not get removed from my credit file asap, i will file court proceedings against them. i have further attached the documentation.   it has been over 6months since the last filed complaint that was never cleared.

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 2017-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
Santander Consumer Services  failed to post final payments made on my account accordingly. They have also failed to close the loan accordingly and remove fees that were charged for a reposession in error. It has been since  XXXX  . 2016, th at I have been dealing with Santander in reference to this issue. Santander claimed one of the payments were returned, however proof from my Bank shows that payment did clear the account. I have provided the Bank Statement several times, and they continue to ignore it. Santander claims that they need to see my : '' full bank balance in order to credit the account '' this should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax is reporting  XXXX   XXXX  as a duplicate account already paid and closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX   is reporting  XXXX   XXXX  as a duplicate account already paid and closed.

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 2017-05-29 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX  is reporting  XXXX   XXXX  as a duplicate account already paid and closed.

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 2017-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
MCM is reporting a debt on my credit report I do not recognize the debt as mine and when I asked them to validate the debt- they sent me the attached letter. According to the FCRA they, as a credit collection agency, are required to validate a debt. It looks to me like they are just cooking up a bunch of numbers. I ca n't provide them with statements for a debt I never had I ca n't provide a fraud or identity theft report because I do n't think that is what happened. I think they are trying to tie my name and SSN to a debt that does not belong to me. And when I asked them to prove or validate that this is my debt, they could not. Therefore, it needs to be deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On  XXXX   XXXX ,  XXXX , I owned a property located at  XXXX   XXXX   XXXX   XXXX , NJ  XXXX .    Wells Fargo  claimed they completed a sheriff sale in  XXXX  of  XXXX , while I was still living in the home and while I was on a modification arrangement with the m. Wells Fargo  used dual tracking to foreclose on the home through an Attorney  XXXX ,  XXXX  and  XXXX  whom I sent payments to that were cashed by the law firm tha t Wells Fargo  had hired.  XXXX   XXXX  and  XXXX  were admonished in  XXXX , however they still collected payments from me through  XXXX , while i was still the owner of the property.    Wells Fargo  never confirmed a sherriff sale. On  XXXX   XXXX ,  XXXX  I contacte d Wells Fargo  who confirmed that I am eligible to do a short sale, the short sale documents were sent to  Wells Fargo and  were excepted by them. On  XXXX   XXXX ,  XXXX , the deed was filed 3 years later by the firm of  XXXX   XXXX   XXXX  who were NOT the original attorneys on the file. Also the Indenture date of the  Sherriffs Sale  is 5 days before the actual sale.    Wells Fargo h as clearly committed several frauds. I am requesting a full investigation into this matter prior to me hiring outside counsel.

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 2017-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
i do owe for the current month of mortgage wi th Wells Fargo.  With a payment scheduled on 2nd mortgage to come out today. However. I am being calle d 10 times a day. With a message of Hello & hang up on voicemail.        Here is 1 day of calls  XXXX   XXXX  ,2017 ca lls at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 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: Credit Solutions, LLC (KY)
State: FL

Complaint narrative:
I viewed my credit report and saw a debt collector on it by the name of Credit Solutions account number XXXX. I disputed as I was bewildered because not only did I not know the creditor, I did not have any derogatory creditors on my credit reports so this as extremely upsetting. I contacted Credit Solutions and they told me I needed to contact XXXX XXXX XXXX XXXX which was also listed as the original Creditor. However, I contacted them because they ( Credit Solution ) had it listed on my credit report. Well, before hanging up Credit Solution stated that I owed {$1200.00} to XXXX XXXX XXXX. I stated to them, this was almost a year ago XXXX XXXX XXXX nor Credit Solutions contacted me, I saw this derogatory reporting on my credit report and that is n't fair and this was paid by my insurance as I am XXXX and have XXXX insurance which I provided XXXX XXXX with my insurance card when I went to the emergency room. I then contacted XXXX XXXX in which I spoke to 3 different individuals stating that they billed XXXX instead of billing the correct insurance XXXX insurance. I was told that they would submit the claim and within a few weeks the claim should be paid and they will have Credit Solutions to remove from my credit report. I have called XXXX on several occasions and for some reason each rep is still saying that they did not submit to XXXX so they could be paid. This is not right for this organization to be neglectful and put on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I have been having health issues lately and was hospitalized twice with the second hospitalization involving  XXXX . This happened simultaneously. While I was in the hospital my daughter made sure that all of my  XXXX  forms was completed and sent to  XXXX   XXXX  which carries the insurance for Synchrony Bank. Until this point I always made my payments on time.  XXXX   XXXX  never processed my forms even though I sent the forms to them quite a few times ( I have confirmations and emails to prove it. ) Had   XXXX   XXXX   processed my paperwork when it was received instead of waiting a month after I sent it to process it my payment would 've been made on time and I would n't have had no problems with my account. Synchrony Bank has closed all of my accounts which is unfair because I had no choice in deciding to become ill. I am so disappointed because this is making my credit look awful and if they research my history they will see that until I became ill and had to deal with  XXXX   XXXX  there was not an issue with my account. I had submitted my claim several times and was told that they never received them however, I received confirmations that says sent. If Synchrony Bank would look at the number of times I submitted my claims and when  XXXX   XXXX  should have paid them they will see that I did do my due diligence.  XXXX   XXXX  delayed processing my claim and claimed that it was not received. This is complete wrong and unfair. I pay for insurance and it should not be that  XXXX   XXXX  delay making a payment on the account so Synchrony will close the account and that relieve them of liability.

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 2017-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ

Complaint narrative:
Bayview Loan Servicing co ntinuously ignores my requests to resolve modification that should have been accepted from the prior servicer, and credit reporting that should have been corrected.     Attached are the documents.      1.  My Daughter was removed from the loan by  XXXX .    2.   XXXX  modified this loan, but Bayview is refusing to accept this modification,.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau of Lancaster County, Inc.
State: PA

Complaint narrative:
Credit Bureau  of Lancaster County , Inc   XXXX   XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX , PA  XXXX   XXXX  : (  XXXX  )  XXXX  Toll Free : (  XXXX  )  XXXX  Fax : (  XXXX  )  XXXX  See below : The company ( Credit Bureau  of Lancaster County , Inc ) s aid  XXXX   XXXX  owed {$270.00} when this is false.   The debt is not mine.   I am  XXXX   years old,  have medicaid and  XXXX   XXXX   XXXX  with co-pays of {$0.00}.   See document.   Thank you.    XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: BELING & ASSOCIATES
State: AZ

Complaint narrative:
I have been paying this company between {$350.00} and {$250.00} per month for the past 1 1/2 years. I was told they would reduce or have my private student loans cancelled. They also told me my credit would not be affected and if it was they would repair it. come to find out my credit is shot and all of my debt was sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
The loan company refuses to accept my payments for pay off. They have terrible means of resolution advising I can either use the phone system or send a payment by mail and I do not wish to send because of security issues. Payment systems state my account number is invalid. I work at a bank in the loan industry and I know there limited service and means of payment are unexcusible. I called customer service and they stated that " it should be working '' I just want to pay off my loan and get my title however they reject all electronic payments from my large financial institution. They should be looked into for regulatory compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have been a  XXXX  's  Cardholder for 5 yea rs and in that time have always paid my bills on time. I was hospitalized twice and have been out of work for approximately 4 months now due to illness.  XXXX  's used to be managed by  XXXX    XXXX   which  XXXX    XXXX   did offer card security in case of being unemployed, illness, death, etc. I tried calli ng Wells Fargo to exp lain to them my situation and informed them that I was willing to work out a hardship payment plan if possible. The problem that I have with this whole scenario is when I opened this account, I had  XXXX  insurance on the card  XXXX   XXXX  and  for Wells Fargo t o take over accounts and not offer the identical coverage and not inform the customer that they no longer have the coverage is unfair. This is information that a customer needs to know. Until I became ill, I always made sure that my bills were paid on time and m y credit score was  good. I thought that I had coverage and when I was told that I did n't I asked did they have a hardship program of some sort and their response was no and we can do nothing to help you. This is crazy!!!! I tried to explain that even though I 've been a good customer does that no account for anything? The response no sorry ma'am. This is unfair.

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