vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
Freedom Mortgage I called Freedom Mortgage on XX/XX/XXXX regarding why my mortgage increased because it doubled from last year. I'm not happy and I don't want my credit affected. I Spoke with XXXX and XXXX they request an investigation on why my mortgage increase from {$890.00} to {$1700.00} they said because my taxes has increased in the year XXXX. I told them that was insane how can it increase so much and cause a escrow shortage in the amount of XXXX They both saw mistakes that Freedom Mortgage paid township taxes and I don't live in a township and they paid some other taxes twice. I was told by XXXX ( male ) that someone should get back to me on XX/XX/XXXX. I called on XX/XX/XXXX spoke with XXXX id # XXXX supervisor he gave me the run around and said I'm responsible and I have to pay the monthly mortgage in the {$17000.00} due to their mistake by overpaying and mismanaging the mortgage payments I paid faithfully on time. Freedom Mortgage mismanaged my monthly mortgage payment in which they overpaid and cause my escrow account shortage in the amount of {$6800.00}. They overpaid and they paid Township Taxes twice which I'm confused, because I do not live in a township. Freedom Mortgage over paid in the of $ XXXXin taxes in XXXX and now trying to squeeze me for their mistake. Please see attachments ( letter & escrow disclosure statement ) I sent email message on XX/XX/XXXX and another message on XX/XX/XXXX through Freedom Mortgage Message Center no response. I called XX/XX/XXXX Spoke with XXXX id # XXXX she said she see a note that we should be getting a completion notice by the XX/XX/XXXX that it was sent to a Department that handles issues. As of today we have not received a update or response from Freedom Mortgage. I ask her is there anyone I can email my concerns like a manager she said no Freedom Mortgage Message Center is the only way. I just don't understand how can Freedom Mortgage overpay on taxes and try to scam/squeeze for their mistake they need to fix, recalculate and rectify this terrible mistake. I did call my Local Tax and County Taxes and they said there is no way my taxes would have increased that much. I Thank you kindly CFPB on reviewing my complaint.

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 2020-12-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2020, I sent a letter to the bureaus about inaccurate and unverifiable items on my credit report. It has been over 2 months and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to start my own business but my credit is making the process a lot harder.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OR

Complaint narrative:
I was a student enrolled in XXXX XXXX. Because it wasn't a profitable program anymore, they pulled my major out from under me, forced me to switch to a performance degree, and lied to me about what my options were by telling me I didn't have a choice. I paid over XXXX in tuition to these criminals. 
Fully private high interest student loans that were used to pay for the major they canceled, credits they threw in the trash ( but charged me for. ) Those loans are paid off now. 
I tried talking to them about it when I realized how fraudulent that activity was and have been immediately disregarded and swept under the rug.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I checked my credit report and notice accounts that not mines. i been a victim of identity fraud in the past. I provided 2 copies of my ID to prove my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I sent a letter to Experian on XX/XX/2020, about inaccurate and unverifiable items on my credit report. It has been over 2 months and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to start my own business but my credit is making the process a lot harder.

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 2020-12-08 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: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
Ive had a used car loan first established with XXXX XXXX and its now under Bridgecrest since XXXX 2013. Ive had times where Ive fallen behind on my loan and I was offered an extension on my loan over the years. What I was not aware of and what was not explained to me was at the maturity of my loan, I would need to pay the interest for those extensions since I have a Simple Interest loan at the time of my maturity date. I now owe well over {$4000.00} and as I called the company today to explain that I was unaware that those extensions would mean I would be responsible for such a large sum payment at one time. Not only that, they would be hurting my credit score by reporting this as a late payment to the credit agencies. I expressed that I was purposely never told about this so that Bridgecrest could make an additional $ XXXX from me they would not have had if I didnt take the extensions. I never received statements regarding this nor updates or warnings or calculators for this information. It is not readily available or transparent on their website.

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 2020-12-08 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: Exeter Finance, LLC.
State: OR

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, EXETER FINANCE CORP add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
On XXXX XXXX, 2020 I called my insurance company to file a roof damage claim from a storm that occurred in our area. This was a three way phone call with myself, the insurance company and a roofing contractor. Approximately 12 hours later i received a call from my supposed insurance company stating that my policy was cancelled in XXXX 2020 due to non-payment. I was also informed by them that they had contacted my mortgage company ( Freedom Mortgage ) informing them that if payment was not made my policy would be cancelled. 

Upons multiple conversations with Freedom Mortgage, they told me on several occasions that i do have current insurance, however XXXX XXXX insists that i do not. 

I have tried multiple times to contact Freedom Mortgage about their failure to pay my insurance premium with no reason or return phone call. We have been without insurance for 5 months, and had i not filed a damage claim i would have never known. Freedom Mortgage refuses to return any of my calls, thus due to their failure to assure that insurance was paid for from our escrow account,, they are responsible for this lapse of coverage,

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 2020-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants and Medical Credit Corporation, Inc.
State: IL

Complaint narrative:
On XX/XX/2018, Merchant & Medical Credit Corporation , Inc. reported a fraudulent account to XXXX  credit bureau. After numerous attempts to have the account removed from XXXX, I've been forced to file a complaint with CFPB. I've sent a copy of my police report to Merchant & Medical Credit Corporation , Inc. to prove that the account is fraudulent. I'm a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-08 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: CA

Complaint narrative:
I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I review a current copy of my credit report and I show inaccurate information listed. I also dispute account and I have not received any respond back per the FCRA law. On my credit report I show a called charge off to on my report that is listing a balance. I requested to have this account verified and I have not received any information. This creditor and/or collection XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX ) is showing on my credit report as a charge off with a Balance of {$620.00} which is a direct violation per FCRA and FDCPA. Any charge off accounts once report a balance of {$0.00}. this is not the case and I requested verification and received none.

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 2020-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
We signed up Bank of America credit card auto pay program over a year ago online. The web pages shows " Amount due '' and we did not do anything. It went well as our amount due was always paid automatically with a draw from our bank, XXXXXXXX XXXX, account ( see attachment BA 6.17 ). However, we were charged an interest of {$31.00} in the XXXX 2020 statement. We realized the issue and called Bank and was told that only minimum payment was paid. We complained that we did not change anything and why the system collected only minimum payment. The lady said she could not do anything. We called a second time and told them we would cancel the card if the problem was not resolved soon. The lady said she would file a complaint and reply us in a few days. We never got a reply. We were again charged interest the following month for {$17.00}. We called the bank again and this time a lady said she would cancel the {$17.00} interest but she could not do anything about the {$31.00} but she would file a complaint and we should hear back in three days. We never heard back. We complaint that it was the error in the bank 's system that caused the interest. We never select pay minimum payment. We did not even know that was an option until the bank told us. So we are not responsible for the interest {$31.00} occurred.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC
State: NC

Complaint narrative:
On XXXX XXXX I was given a pre-approved amount for {$110000.00} to purchase my first home from a mortgage company by the name of Cross-Country Mortgage. I was later told by XXXX XXXX that he could max the loan amount up to {$120000.00}, this information was given on XXXX XXXX. I found a home that the sellers came down on the price for me, had all inspections needed completed, and paid for my appraisal. In the end my closing date was pushed due to faulty paperwork, lack of communication and wrong numbers calculated on the company 's behalf that they didn't catch until a few days before my closing date of XX/XX/2020. My realtor at that time tried to save me money and the house by asking for an extension which placed me out of my due diligence period. In the end the lenders came back with a new pre-approval amount of {$60000.00} which was extremely lower than what other companies pre-approved me for in the past. Due to this horrible experience, I missed a week 's worth of work dealing with XXXX and lost {$1000.00} dollars that I could have used for my children 's XXXX. This process has left me, and my children devastated and unhappy as we were looking to spend our holidays in our new home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) via certified mail on XXXX XXXX, 2020. 
In my letter received by XXXX, TransUnion and XXXX I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. I received a notice from XXXX stating that they would complete my reinvestigation on or around XX/XX/XXXX but I never received that update and I have no update at all from TransUnion or 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 2020-12-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, XXXX and Equifax ) via certified mail on XXXX XXXX, 2020. 
In my letter received by XXXX XXXXn and Equifax I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. I received a notice from XXXX stating that they would complete my reinvestigation on or around XX/XX/XXXX but I never received that update and I have no update at all from XXXX or Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to BEST BUY/CBNA because I am having difficulties with applying for new credit cards. I paid the account and do not owe anything, but the late payment on XXXX 2017 in XXXX, XXXX and XXXX reportx prevents me from achieving the desired results. 
I am kindly requesting BEST BUY/CBNA to remove this late payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and 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 2020-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: AZ

Complaint narrative:
Transaction Dispute filed with PayPal : I ordered merchandise from the internet on XX/XX/2020 which was a WiFi Booster, I never got a confirmation via email and the number provided on my card # ending in XXXX isnt reachable. I went on the website and it says its for Charcoal packages, that is not what I ordered I ordered a Wifi booster. So I found out the company is in XXXX somewhere and they are a scam. Can you please refund my card. The transaction is for {$58.00} on XXXX XXXX. I still have not received the merchandise but my debit card company is still charging me. I attempted to dispute it but was declined to receive a permanent 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 2020-12-08 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I review a current copy of my credit report and I show inaccurate information listed. I also dispute account and I have not received any respond back per the FCRA law. On my credit report I show a called charge off to on my report that is listing a balance. I requested to have this account verified and I have not received any information. This creditor and/or collection XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX ) is showing on my credit report as a charge off with a Balance of {$620.00} which is a direct violation per FCRA and FDCPA. Any charge off accounts once report a balance of {$0.00}. this is not the case and I requested verification and received none.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I review a current copy of my credit report and I show inaccurate information listed. I also dispute account and I have not received any respond back per the FCRA law. On my credit report I show a called charge off to on my report that is listing a balance. I requested to have this account verified and I have not received any information. This creditor and/or collection XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX ) is showing on my credit report as a charge off with a Balance of {$620.00} which is a direct violation per FCRA and FDCPA. Any charge off accounts once report a balance of {$0.00}. this is not the case and I requested verification and received none.

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 2020-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I checked my credit report and notice accounts that not mines. i been a victim of identity fraud in the past. I provided 2 copies of my ID to prove my identity.

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