vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom Mortgage repeatedly contacted us by email, phone and mail for months about refinancing our existing mortgage with them. We finally gave in because we were told it would be a fast, seamless process, since we are existing customers and we could take cash out at closing to consolidate debt. 

XXXX XXXX, a loan officer with Freedom Mortgage, told us it would take 4-6 weeks to close our refinance. We began the process XX/XX/XXXX, and it is now XX/XX/XXXX, with no closure in sight. We have gone weeks on end without being able to contact anyone working on our loan. Our daily emails and calls went unanswered. We submitted confidential information containing our SSNs, wages, checking account information, etc., for it to be ultimately lost and having to start over completely with a new representative. Freedom Mortgage refused to give us a secure place to upload documents but instead suggested we encrypt the emails containing privy info. Anyone knows that when you never encrypt emails, but then suddenly encrypt 1 or 2, it is a giant red flag to hackers. This is not a secure or safe recommendations to customers and puts someones identity in danger. 

We paid {$300.00} for an appraisal that is now moot and lost for good because there won't be a way to continue with the refinance process as they are asking for cash at closing, even though its a cash out refinance where we should be receiving {$17000.00} in cash at closing after paying off a second mortgage. We have an email from a customer service rep promising closure by XX/XX/XXXX. Never one time was cash to close mentioned to us throughout the process of this nightmare. We were under the impression that closing costs would be deducted from the net cash we'd be receiving at closing. 

The lack of response to our emails and phone calls is one thing ( just frustrating and unprofessional ) but to promise a seamless closure in 4-6 weeks, losing very confidential documentation, transferring us to multiple representatives and having to supply confidential documentation again and again, and dragging us, our family and credit, through the mud for months with no communication, no accurate truth in lending statement or explanation thereof, is a complete bait and switch and failure on the part of Freedom Mortgage. Freedom Mortgage is conducting negligent business practices, common-law fraud, unjust enrichment advertising practices, all while subjecting its customers to privacy law violations, putting customer credit and identity profiles at risk.

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 2022-02-23 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: PA

Complaint narrative:
I have been disputing with Transunion and they do not want to fix issues. They keep saying the item is accurate when it is not. I contacted the creditor. They told us the problem is with the Credit Bureau and they need to fix it. The creditor then provided me with letter that you will see attached as proof. They gave this letter to me so that I can have Transunion fix it. I sent this letter to transunion certified and they are yet to pick it up. The item in question is for XXXX XXXX XXXX. It was closed and charged off. The account number is # XXXX and it was charged off and closed on XXXX and Account # XXXX was closed and charged off on XXXX. It is showing on credit report as opened and not charged off with a monthly payment. There should be no monthly payment shown either.

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 2022-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: FL

Complaint narrative:
Overview : Originally I wanted a 15 year fixed loan for a new home purchase. I was advised that I did not qualify. I was never given a reason as to why. I then was advised by my broker that I could make two extra payments per year and get the same outcome. I signed up in XXXX of XXXX for XXXX payments to accomplish this XXXX goal. I explained that I wanted XXXX extra payments per year. 

Complaint : Payments were misapplied from XX/XX/XXXX to XX/XX/XXXX. Gross miscommunication. I was never given the option to recast. 

The company was requested several times to stop XXXX withdrawals that resulted in overpayments of approximately {$10000.00}. Finally in XXXX of XXXX XXXX payments were stopped. 
However, In XX/XX/XXXX, I had received the attached letter regarding their new prepayment policy. HomePoint advertises that they have a NO prepayment penalty policy. 

I agreed to let the payments be applied for the next several months. 
However, I was never given the option to recast. The overdraft dollars were not applied to the principal. They were applied to future fees and interest. 


Attached : Payment history, personal record of conversations, XXXX letter from HomePoint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: PA

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
DEPT OF EDXXXX XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XXXX XXXX, XXXX DEPT OF ED/XXXX XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XXXX XXXX, XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX AL ) XXXX : {$610.00} - Date Opened : XX/XX/XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX AL ) XXXX : {$890.00} - Date Opened : XX/XX/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 2022-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
I was steered into a prolonged period of general forbearance by my loan servicer ( FedLoan Servicing ) from XXXX of XXXX through XXXX of XXXX. My partner lost his job, cutting our available household income in half, but since we were not married, his loss of income did not lower my monthly IDR payment, and I was told that my only option was to go into forbearance if I could not afford my payment. The result is that I lost over 20 months of eligibility toward Public Service Loan Forgiveness during this time because of this bad advice. I should be eligible for loan forgiveness now, since I have been repaying my loans since XXXX of XXXX, but I still have two more years before I will be forgiven because of this bad advice to stay in a prolonged forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
A guy called saying someone in XXXX was charging on my capitol 1 XXXX. Then he wanted to close and send new card. To do that he wanted my card info and all my credit cards. Said it was to protect all cards because someone had all my info my SS and morhers maiden name. The number he called from was from XXXX california. Said nzme was XXXX XXXX desk # XXXX XXXX XXXX emp id # XXXX. The number he called from was XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Recovery and Collections, Inc.
State: TX

Complaint narrative:
My debt is with Sentry Recovery Collection agency based in XXXX XXXX, NV. This debt has recently showed back on my report after not being on my report for over 4 years. I called them and stated where the debt is coming from they said an aprtment I use to live at. They stated I owe 1600 dollars which is false. I called the company that gave them the debt and was told it should only certain amount owed of 400.00. When I contacted the collection agency they argued with me and stated the balance of 1600 was correct .. in which they later found out that 400 was owe, they then adding 250 dollars of interest and stated I owed XXXX. After this incident I contact the property that gave that number and was told it was incorrect. Due to the moved explaining the reasoning from moving from the apartments was due to a legal reason. A restraining order was file by the state of Nevada due to legal reasoning leaving my property home

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 2022-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center
State: OR

Complaint narrative:
My carrier of the XXXX XXXX XXXX  delayed to pay my medical fee to XXXX XXXX. My carrier paid medical fee on XX/XX/2022. The debt collector issued the letter on XX/XX/2022. It looks like the letter from debt collector, ARStart went wrong. Please see the attached file of the EOB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XXXX XXXX, 2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

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 2022-02-23 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: AZ

Complaint narrative:
I have sent letters to Experian and XXXX about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

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 2022-02-23 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:
I am a victim of identity theft. XXXX XXXX XXXX has fraudulent accounts on my credit profile that need immediate removal.

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 2022-02-23 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: TX

Complaint narrative:
I am a victim of identity theft. XXXX XXXX XXXX has fraudulent accounts on my credit profile that need immediate removal.

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 2022-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
On XXXX I requested that the dealer XXXX XXXX XXXX XXXX  and the finance company ( Credit Acceptance Inc. to not bully me an coerced me into signing a contract because of my competency level at that time of date for purchase.I am being pressured by the dealer and finance company to stretch my budget by the salesman who has over promised and under delivered on the agreement .Still know remorse with this situation from XXXX to present date ( XXXX ), refuse to show me the purchase contract with the retail installment sales contract to cancel, the dealer can cancel the contract once notifies them in ten days of purchase, whichinfact I again on XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX to present.Gouging and swindling my credit score by their greed and selfish desire to profit, wealth an power.Being unethical by showing the willingness to act dishonestly in the return for money and personal gain has caused errors to appear on my credit while an knowing that I was under extreme drastic measures as I had tolded them, trying to destroy my credit by their greed unethical business practice.

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 2022-02-23 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: ACIMA CREDIT, LLC
State: MI

Complaint narrative:
The ACIMA appears to be a charge-off account with a specific balance of {$5700.00}. The information itself is already an error because a charge-off account should have NO balance. As per FCRA, the bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. 
PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I noticed these accounts reflecting on my credit causing my score to decrease drastically. XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX. These accounts have been disputed and the credit bureaus have not provided me with any documentation to validate these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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:
On XX/XX/2022 I filed a complaint with Experian about a fraudulent account that was closed from XXXX  XXXX  for {$66.00}. This account was not mine I have sent information in to XXXX  XXXX  and they have responded by saying that they have no record of my account yet it's still on my report meanwhile the same closed XXXX  XXXX  {$66.00} account was showing on different bureaus reports they have been removed this XXXX  XXXX  is not my account XXXX  XXXX  doesn't even have information for me please take this from my Experian consumer report there is no record on file original documents saying that I opened this account and signed to open this account my signature is not on any XXXX  XXXX 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 2022-02-23 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: IL

Complaint narrative:
I noticed unauthorized inquiries on my credit report. Someone else must have applied in my name and according to the Fair Credit Reporting Act these unverified & unauthorized inquiries must be removed immediately. 

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- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: MO

Complaint narrative:
Know that the following inquiries were unauthorized. I have not reached out to any of these companies nor inquired about anything. There must be something wrong with Experian 's investigation which they should eventually correct. Please see the inquiries that are unfamiliar to me. 
XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/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