vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
I previously advised that I am disputing the fees assessed to reinstate this loan and I am requesting a full and complete break down of the itemized fees listed in the Reinstatement Quote, to include but not limited to the Expense Advances, Late Charges, and Foreclosure Expenses. Additionally, a RESPA Qualified Written Request ( QWR ) has been mailed to Freedom Mortgage, XXXX XXXX XXXX, XXXX, IN XXXX. Freedom Mortgage has continuously added unnecessary and absorbent fees to this account. On a recorded call to your loss mitigation department on XX/XX/XXXX, XXXX ( ID # XXXX ) and requested a supervisor to discuss the account. As of today, that supervisor XXXX has yet to call me back. The same day, per my online account, you added another {$100.00} fee with no justification or explanation for what this fee is for as well as another {$15.00} property inspection fee with no valid proof or need for this fee. Additionally, considering Freedom Mortgage received an electronic payment of {$1100.00} on XX/XX/XXXX that has not been returned ( as shown in the attachment below ) your assertion above regarding the amounts due is automatically flawed. To start, this is an FHA loan and I have been unjustly denied a loan modification after requesting one through the servicer and am in the process of filling a complaint regarding this. Per 12 C.F.R. 1024.41,  servicer are restricted from continuing the foreclosure process if the homeowner is working on securing a loan modification or other alternative to foreclosure. Per their letter dated on XX/XX/XXXX, your review was not closed until well after the time period prescribed by the dual tracking provisions in the law. Additionally, Freedom Mortgage XXXX XXXX was CCd on a prior email to Freedom Mortgages Loss Mitigation department in which he forwarded to XXXX XXXX for response on XX/XX/XXXX. On the same day, I responded to her email and CCd Mr . XXXX  a copy of the email in which the documents that Freedom Mortgage asserted was not received and never received her response or further contact. Finally, and most importantly, I believe they are violation of O.C.G.A. 9-13-140. In which the lender must properly advertise the foreclosure sale once a week for a period of four weeks immediately preceding the date of the sale in the legal organ of the county where the property is located. I am only seeing ONE advertisement in XXXX XXXX XXXX XXXX Report dated XX/XX/XXXX, which is LESS than four weeks prior to the sale date of XX/XX/XXXX. Additionally, I have requested the egregious fees to be removed. Freedom Mortgage has not responded.

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 2020-02-26 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: IL

Complaint narrative:
I have three bankruptcies reporting on my credit report with Experian. Ive contacted them and told them I have proof from XXXX XXXX which is where they are getting there public information from that these bankruptcies was removed from my public records because they were open fraudulently they dont belong to me.

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 2020-02-26 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: VA

Complaint narrative:
I was trying to help my mom get a car and there are accounts that I dont know anything about XXXX/XXXX, XXXX  XXXX, XXXX, XXXX end inquiries XXXX XXXX XXXX/XXXX  XXXX /XXXX  XXXX XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted the FTC and local police.

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 2020-02-26 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: VA

Complaint narrative:
I was trying to help my mom get a car and there are accounts that I dont know anything about XXXX/XXXX, XXXX XXXX, XXXX, XXXX end inquiries XXXX XXXX XXXX/XXXX  XXXX /XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I have contacted the FTC and local police.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: WI

Complaint narrative:
We Filed Bankruptcy in XXXX of XXXX. XXXX Delayed the release of the bankruptcy by 60 days because they would not reafrim the loan. To this day, they still have not reafirmed the loan. The paper work has been sent several times with no explanation other then they did not get the paper work. I have confirmation now that they have received it. We were released from Bankruptcy in XXXX of XXXX. They also took it upon themselves to change the way they pay our property taxes. We asked that they pay it at the end of each year and they have not changed that deciding to make it the 3 payment option after the XXXX of the year.

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 2020-02-26 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: SC

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN A FEW ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION. 
I AM HAVE BEEN UNDER A LOT OF STRESS BECAUSE OF THIS AND I FEEL LIKE MY LIFE WILL REMAIN AT A STANDSTILL UNTIL THIS SITUATION IS RESOLVED. MY FUTURE DEPENDS ON THIS MATTER BEING RESOLVED SO I AM ASKING THAT ACTION TAKES PLACE IN A TIMELY MANNER.

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 2020-02-26 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: SC

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN A FEW ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION. 
I AM HAVE BEEN UNDER A LOT OF STRESS BECAUSE OF THIS AND I FEEL LIKE MY LIFE WILL REMAIN AT A STANDSTILL UNTIL THIS SITUATION IS RESOLVED. MY FUTURE DEPENDS ON THIS MATTER BEING RESOLVED SO I AM ASKING THAT ACTION TAKES PLACE IN A TIMELY MANNER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. I also saw that I had a debt of child support and I have never been put on child support. I did some deeper investigation and I was told that someone used my name to try in collect monthly payments. Please remove these unknown items from my report as soon as possible. These are fraudulent accounts. 

XXXX XXXX XXXX  XXXX {$8500.00} US DEPT ED XXXX {$3500.00} US DEPT ED XXXX {$14000.00} DPT ED/XXXX XXXX {$62.00}

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 2020-02-26 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. I also saw that I had a debt of child support and I have never been put on child support. I did some deeper investigation and I was told that someone used my name to try in collect monthly payments. Please remove these unknown items from my report as soon as possible. These are fraudulent accounts. 

XXXX XXXX XXXX XXXX {$8500.00} US DEPT ED XXXX {$3500.00} US DEPT ED XXXX {$14000.00} DPT ED/XXXX XXXX {$62.00}

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 non-monetary relief
Consumer complaint received 2020-02-26 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: SC

Complaint narrative:
Inaccurate information on credit report. Please update and investigate and report accurate information on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Rash Curtis company is trying to collect two medical bills that I do not owed. One for {$170.00} and the other for {$160.00}. They are denying that they are trying to collect the {$170.00} although it is on my credit report from them. They have trashed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I financed TWO properties with under an LLC and Select Portfolio Servicing is the servicer. The business has filled Chapter XXXX bankruptcy. SPS has been notified of this multiple times and, has been advised to stop calling my personal number from a previous CFPB complaint in which they were calling after hours, and are still using my personal number to call to collect a debt. In addition, I spoke with " XXXX '', on a recored line ( I have a copy ) and advised her there should be no reason she should be calling my phone after she advised there was an open review on the account. 

I also want to add there is an open review on the account ( for a loan modification ) and they referred the account to an attorney for foreclosure which violates dual tracking laws, which in itself is another violation that SPS should be investigated for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: AR

Complaint narrative:
I was trying to cosign for my daughter a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are many items and collection accounts on my credit that need to be removed. These items are not mine. Please delete. 

XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$190.00} XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX  XXXX {$100.00} XXXX XXXX {$6300.00} XXXX XXXX   XXXX {$1000.00} XXXX/XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizen bank staff recommended me to apply for a credit card in XXXX.The application is rejected for the reason that Citizen bank doesn't grant credit cards to XXXX XXXX XXXX/ XXXX XXXX XXXX.

However, the bank did not specify such information before the application.In fact, in order to earn commission fee, the staff actually strongly recommended me to apply the card, even if she knows that credit card has never been granted to a XXXX XXXX.

Citizen bank failed to disclose crucial requirement for application therefore is subject to misuse of credit information. I'm filing this complaint to require Citizen bank to re-evaluate my application based on credit score, not my XXXX XXXX. 

My Citizen case number is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Receivables Performance Management, LLC
State: PA

Complaint narrative:
I Checked my credit to see a negative report from RCVL PER MNG for XXXX for {$2400.00}. This is an incorrect reporting. The devices were paid off on the account shortly after XXXX XXXX closed my account citing fraudulent activity. They never provided any proof as to why the account was closed. I am not sure where this debt has come from all of a sudden but this is a very old account that does not need to be on my credit account.

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 2020-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Follow up to my previous complaints. 

XXXX-XXXX  Today I was told that BoA can no longer try and resolve this issue with me because the CFPB is involved. 

Is that correct? 

Also, this is a sample email and I have attached a file below to show you how confusing they have chosen to be and how they have avoided telling me about their errors and correcting them. Not one person who looked at the spread sheet could understand what BoA was trying to clarify. They just made issues worse.

Here 's the email : Mr. XXXX, attached is a summary of the activity on your account broken out by principal, interest and escrow. I believe this detail will be helpful in explaining your monthly statements, including the Past Payment Breakdown totals. Your statements do accurately reflect the activity on your account, though I recognize clarification on the activity may be beneficial.

Id like to arrange time to go through the activity with you and address any questions you have. 

Please let me know what time is best for you. Thank you. 

XXXX XXXX SVP, Unit Manager II Onboarding & Client Experience, Mortgage and Vehicle Servicing Operations Bank of America XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX T XXXX XXXX Lifes better when were connected This communication from Bank of America may contain privileged and/or confidential information. It is intended solely for the use of the addressee. If you are not the intended recipient, you are strictly prohibited from disclosing, copying, distributing or using any of this information. If you receive this communication in error, please contact the sender immediately and destroy the material in its entirety, whether electronic or hard copy. This communication may contain nonpublic personal information about consumers subject to the restrictions of the Gramm-Leach-Bliley Act. You may not directly or indirectly reuse or re-disclose such information for any purpose other than to provide the services for which you are receiving the 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 2020-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have been a member on american express for years and on XX/XX/XXXX my auto-pay for a ridicuolous amount of {$39.00} did not go thru. 
I have been charged late fees and never complained. 
My balance being {$4600.00} on a credit line of {$9000.00} ... Now, on XX/XX/20 american express notifies me via email that due to a missed payment of XXXX $ ( for which i paid XXXX $ of late fees ) ... they have reduced my credit line to {$4700.00}. 
Which leaves me suddenly with an available credit of {$100.00}! 
This is obviously impacting my credit score as well, whereas my card usage was around +50 % and now showing a card usage of around 99 %, due to the unnecessary and unreasonable credit line reduction.

I have called customer service and the credit line dept. gave me 2 options '' 1- pay +XXXX within XX/XX/XXXX. This option will grant the restoration of my credit line to {$9000.00} ... also known as " forced financial extortion ''! 
2- submit documents of my income and MAYBE they will consider REVIEWING THE CREDIT LINE. NO GUARANTEES.

American express more than once overcharged me high interests ( based on a mathematical formula only known to them! ) and never returned the funds.

Now their fraudulent actions are affecting my credit score and everyday life as well. 
This needs action from CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On XX/XX/2020 ( today ) I deposited {$420.00} into my Bluebird by American Express checking account through their partnership at XXXX. ( Through the money center, Bluebird transaction ID : XXXX ) I proceeded to buy a few grocery items while I was there and by the time I got home I received an email saying the following : " During a recent review of your Account, we noticed activity that was in violation of the Bluebird Member Agreement, section : D22 Due to the violation your Account has been locked and your Account privileges have been suspended. 

If you have any questions, please call XXXX  XXXX XXXX at XXXX. 

Thanks, The Bluebird Team '' I called their account privileges number and was told that my account is permanently closed for a return of some kind, I repeatedly asked for more information or if there was a corporate number I could call or if they could send the remaining balance to the address on the account. I was told there was nothing they could do. I can't log into my account or use my card, I can't find any more information regarding what actually happened. There was no other activity before today for at least a few weeks also. 

I called their customer service number repeatedly attempting to talk to a human being but the computer just says my account is suspended and hangs up, offering no more options. The automated email that is sent afterwards wants me to write to a PO box .

This has apparently happened to hundreds of others with the exact same issue, had I known they did this I would have never banked with them. All I would like is access to the money I just deposited today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I placed a bed on the XXXX site, and a person originally purchased it. I mailed the bed to the person, upon receiving the item, the customer changed her mind about the purchase and subsequently was supposed to send it back. Therefore, a refund was processed on the account. However, the bed was never returned to me. Even though, I had tracking information from United States Postal Service, it never showed up. I was informed that the bed was lost in transit by the USPS. 

I paid for the shipping costs when I sent the bed to the buyer, and the customer should have been responsible for the shipping costs to send it back to me. The issue still remains, I never received the bed from the customer. 

XXXX has sent me a bill for shipping costs for a bed that I never received back. Further, there must be a mistake about the shipping charges, as I sent the bed originally to the customer for a much lower price. 

I have spoken to XXXX  on several occasions about this issue and have gotten nothing less than the indifference to my concerns. 

I do not feel as though I am responsible for the shipping costs that appear on the notice that Im sending you. I would appreciate if you folks could provide some assistance with this nightmare issue.

Company response to consumer: Closed with explanation