vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Phoenix Recovery Group. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me. Therefore on XX/XX/XXXX I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/XXXX and still no validation was received. I do not believe this account is valid and correct nor that the creditor has authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: UT

Complaint narrative:
Equifax, XXXX  and XXXX  are reporting a mixed file to my credit report. There are 5 socials that are not mine on my credit report as well as several names that are not mine. There are also multiple negative accounts that do not belong to me that are reporting and damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NM

Complaint narrative:
I have a fixed rate, 30 year mortgage on my house. This loan was previously with XXXX XXXX but was sold to Freedom Mortgage a year or more ago ( not sure about when, exactly ). For various reasons, I like to make my mortgage payments ahead of time. There are good tax reasons for doing this, budgeting reasons, and I believe I even save a little bit of money when I make payments ahead of time. Freedom Mortgage will not allow me to do so. The only reason they'll give me is " It's not due yet. '' My next payment is due XX/XX/2020 and I've made several attempts to make that payment online ( which is how I make all my payments ), but their site will only let me make an additional principal-only payment, and not the regular payment due XXXX. In the past, when I've sent a check via U.S. mail before the due date, despite my including the bill and having the payment be the exact amount, to the penny, of the regular monthly payment due, the total amount of my check has been applied to principal which has meant I've had to call and get things straightened out and applied to an upcoming due date. With difficulty ( it sometimes takes two weeks for them to correctly credit my account ). 

For my own budgeting reasons ( and sometimes tax purposes ), I would like to be able to make my payments early. I can not see any reason that I should not be allowed to do this. My guess is Freedom Mortgage doesn't want to lose a penny of interest because I've paid early and avoided a few days or weeks of accumulating interest. When this loan was held by XXXX XXXX I often paid six to eight months ahead without a problem ( so I assume it's not against any law to pay early ). 

Can you help with this? 

Thank you, 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 2020-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
We purchased our XXXX XXXX XXXX new in XX/XX/XXXX. We financed through Hyundai Motor Finance. 

In XX/XX/XXXX we had vandalism on our car and was sent a check from our insurance written to both us and HMF. We contacted Hyundai and they told us we had different ways to handle that. 
1. Send the check to them, they would sign it and send it back to us to take to a repair shop.

2. Send the check to them, signed and they would arrange the repair 3. Send them the check signed, and they would apply it to the loan then we could pay for repairs out of pocket. The rep explained it would be just like a payment.

We chose # 3 as that would be the fastest way to get our car fixed with less back and forth. We signed the check, wrote a letter saying we wanted it applied to the loan. We didnt make our payment that month as we used that money to fix the car. 

Soon after we started getting calls from HMF stating that we were late on our payment and had penalties and negative credit reporting. We contacted HMF several times to get it resolved but no one could tell us what was going on. We asked several times to speak with management but never was returned any communication. 

Finally after almost 2 months we finally talked to a manger and they said that they would resolve the problem. They saw the payment but it was applied to the back end of the loan and not as a payment. He could fix that but we would have to dispute the negative credit reports and they would not fight it, that would be the only way to get the credit fixed. So we disputed it, and they did fight it. We still have it reporting negatively on our credit. 

Then at the end of XX/XX/XXXX our car was in an accident and totaled. Our insurance covered the worth, then our gap insurance would cover the remaining, until we received a letter from our insurance company stating that HMF reported we were missing a payment and they would not cover {$700.00} of our loan. We would need to pay that. 

It was our understanding that HMF corrected the missing payment and no longer showed that we were missing a payment. We contacted Hyundai and they stated they showed nothing about talking to a manager and there was nothing we could do. 

Now we have severely negative credit and collections due to an error on Hyundai Motor Finance. We can not get anyone to resolve it.

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 2020-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
1. Never heard anything on Loan modifactio 2. requested a payoff on the house charges on the payoff that no one can tell you what it is and why 3. Mis led on Loan modification from 2012 4. Charging for late fees from Hurricane Irma late payment fees that was supposed to be forgiven Corporate advances deferred principle Balance forgiveness from the loan modi

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DataMax Corporation
State: NC

Complaint narrative:
There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to the invasion of individual privacy and rights. 

This Consumer Complaint is against DataMax Corporation Located at XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX XXXX. 

DataMax Corporation is in violation of 15 U.S.C. 1692-1692P Against ( me ) XXXX XXXX XXXX. 

I XXXX XXXX XXXX was never afforded the opportunity to dispute this alleged debt, in violation of 15 U.S.C. 1692g ( b ) which is provided to me by law. See. 15 U.S.C. 1692g No Notice of Debt was ever received by ( me ) XXXX XXXX XXXX in violation of 15 U.S.C. 1692g ( a )

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 2020-02-20 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: UT

Complaint narrative:
XXXX, XXXX  and TransUnion are reporting a mixed file to my credit report. There are 5 socials that are not mine on my credit report as well as several names that are not mine. There are also multiple negative accounts that do not belong to me that are reporting and damaging my credit.

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 2020-02-20 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: UT

Complaint narrative:
XXXX, Experian and XXXX  are reporting a mixed file to my credit report. There are 5 socials that are not mine on my credit report as well as several names that are not mine. There are also multiple negative accounts that do not belong to me that are reporting and damaging my credit.

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 2020-02-20 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: Global Lending Services LLC
State: UT

Complaint narrative:
Global Lending Service # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: LA

Complaint narrative:
Loan Depot Complaint # XXXX-XXXX  XXXX XXXX, SVP of Loan Integrity Thank you for your detailed response to my complaint. There is one large item that is not considered in your letter and that is that " We closed on XX/XX/XXXX and the contract we signed said you would pay XXXX XXXX  on XX/XX/XXXX. '' You actually paid XXXX XXXX on XX/XX/XXXX. This action created a " shortage of {$480.00} ''. XXXX following this discovery made changes to the contract we signed. Please note that XXXX created the problem not me. The subsequent changes placed the excesses of {$1100.00} in flux and then XXXX decided ( not informing me first ) that {$940.00} would be placed against the principle. This then caused my escrow account to be short which will raise my monthly escrow account payment to increase by {$90.00} plus dollars. 

I was the one to initiate the refiguring of my escrow account or I would have been responsible for the difference at the end of the year. I am dependent on you to protect my interests. As a relative novice to the game, this smacks of fraud to me but to you it is business as usual.

Trust is the basis between two parties to a contract. Unfortunately, your actions as a financial entity should be made known to the public for these kinds of activities. It is my credit score that suffered due to your ineptitude. It is up to you to repair the damages. 

Loan Depot and XXXX fully understand what actually happened and its cause. Please correct these errors as soon as possible. This action will prevent me from proceeding with our complaint to the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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 — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Hello, The issue I'm having is due to injuries I received in XXXX from my time in the XXXX I became serious behind on my Auto Loan Once I was able to work again I called and set up payment arrangements with Credit Acceptance. I was told as long as I meet my agreed amount on the days selected it would be taking out of collections. I have made a few payment and it still being reported as in collections. I called the company and was told it's just taking out of the company 's collections department and it will still be reported as collections. I asked why I wasn't told that from the beginning and was told they didn't have to tell me that. I think this is a terrible thing to do to people

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I received one text notification of the first transaction out of multiple charges, called them and they did not want to help me because of policies i was told to wait until transactions posted and to open the claim i called before the XX/XX/XXXX of this month. wells fargo continued to authorized the charges even after i put in a complaint about the charges called multiple times, i had to leave work due to anxiety from being on hold, broke with bills due as a young single mom i am pay to pay i have bills and responsibilities .after multiple calls i am still brokewith bills coming up and no money for transportation to work because they continued to authorized charges this company has tried to hack my XXXX XXXX account also but i ignored it since it declined i did not think my identity was stolen i still dont know what is goin on .Wells fargo had declined withdrawls and charges by me and has questioned me as the customer but continued to authorize chagres after a specific complaint. I had to leave work i couldnt even focous, shaking cryig frustrated because the bank i chose to protect my funds are doing nothing but holding my money and offering no help only a useless apology, i understand there are policies but they did not do their job by continuing to authorize fraudlent charges.

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 2020-02-20 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: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.

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 2020-02-20 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: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.

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 2020-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC
State: TX

Complaint narrative:
Company with the caller ID XXXX XXXX keeps calling me at all hours of the day and after blocking the number, continues to harass me with different phone numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-20 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: LOBEL FINANCIAL CORPORATION
State: UT

Complaint narrative:
Lobel Financial Corp # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: Real Time Group, Inc.
State: UT

Complaint narrative:
Real Time Resolutions # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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:
My identity has been compromised. I found out because XXXX XXXX sent me a email that I needed to take action. I immediately pulled my credit report and saw a outrageous amount of items that were opened under my social security number. Its upsetting that anyone would all these things using my information. These fraudulent items are not mine. 

DEPTEDXXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$13000.00} DEPTEDXXXX XXXX {$6000.00} DEPTEDXXXX XXXX {$2200.00} DEPTEDXXXX XXXX {$4500.00} XXXX XXXX {$4500.00} XXXX   XXXX {$6000.00} XXXX XXXX XXXX XXXX {$470.00} XXXX/XXXX XXXX {$5500.00} XXXX  XXXX {$4500.00} XXXX XXXX XXXX {$57.00} DEPTEDXXXX   XXXX {$1700.00}

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 2020-02-20 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:
My identity has been compromised. I found out because XXXX XXXX sent me a email that I needed to take action. I immediately pulled my credit report and saw a outrageous amount of items that were opened under my social security number. Its upsetting that anyone would all these things using my information. These fraudulent items are not mine. 

DEPTEDXXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$13000.00} DEPTEDXXXX XXXX {$6000.00} DEPTEDXXXX XXXX {$2200.00} DEPTEDXXXX XXXX {$4500.00} XXXX  XXXX {$4500.00} XXXX   XXXX {$6000.00} XXXX XXXX XXXX XXXX {$470.00} XXXX/XXXX XXXX {$5500.00} XXXX  XXXX {$4500.00} XXXX XXXX XXXX {$57.00} DEPTEDXXXX   XXXX {$1700.00}

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 2020-02-20 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: UT

Complaint narrative:
XXXX XXXX XXXX  # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.

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 2020-02-20 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: Aldous & Associates, PLLC
State: UT

Complaint narrative:
Aldous & Associates # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: American Financial Network Inc.
State: NJ

Complaint narrative:
Throughout the entire process this company ( American Financial Network Corp in  New Jersey ) has been misleading, negligent, and void of communication. They told me to get insurance for Friday ( XX/XX/2020 ) because we are still closing on that date. I asked multiple times, " are you sure we are still closing on Friday. '' " Yes, we're closing, I'll keep in touch. '' Nobody reaches out for information. I have to continuously call. We went over the FIRST closing date ( the week before ) which is resulting in re-inspections that we, the buyer, are now paying for so we can have the CO. So at this point we are out {$1500.00} an they are now telling us we are not closing on the XXXX. They are a terrible company and should be avoided at all costs. We have been working with this company for almost 6 months and its been false promises, misleading information, ineptitude, and a thorough lack of communication the entire time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: GENTRY FINANCE CORPORATION
State: UT

Complaint narrative:
CONVNIENT LN # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.

Company response to consumer: Closed with explanation