vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
My previous mortgage ( XXXX ) was purchased and transferred to another mortgage company, Freedom Mortgage ( FM ), on XX/XX/XXXX. Their lousy payment process had lost my payment last year. Again, at beginning of this year ( XX/XX/XXXX ), they just added late fee {$86.00} to my account ( XXXX ) without any proof of latency. My bank ( XXXX ) has been set up recurring payment scheduled XXXX day of each month and leave more than half month before due date. However, their payment process delayed to clear my check until almost the end of month. I have my bank payment recurring payment with mortgage for more than ten years and never has latency issue with XXXX. The bad experience just happens as I complained to CFPB last year. FM not only has less effective payment process, but no help and useless customer service personnel they have. I asked my bank to send a good faith letter to prove the sending date of payment and no response from FM. 
I can provide my more details of bank account, regular payment, and their messed mortgage statements as evidence. Thank you for help

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 2019-03-02 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: MI

Complaint narrative:
I filed for bankruptcy in XX/XX/XXXX. I was not late on any payments. The bankruptcy was discharge XX/XX/XXXX. In XX/XX/XXXX 15 banks listed my credit as being 90 days late. All banks have corrected or attempted to correct their error. As of today 8 credit cards have removed their negative remarks from my credit but Experian is still reporting me as being late on payments. XXXX XXXX  has informed me that they have removed all negative reporting and the the error lies with Experian XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2019-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I opened acct with HSBC bank Wrote a check against my acct The within 20 min tried to deposit money to cover the XXXX and I could not get access through ATM they had not properly set up the acct But when I would call customer service they would tell me your acct is fine Go to another atm to make deposit I did same thing Now they are charging me XXXX dollars in over draft fees Snd the won't return a call

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-02 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: LEXISNEXIS
State: OH

Complaint narrative:
I have attached my ID SS and proof of address mail for my identity. I NEED TO PLACE A HOLD OR FREEZE ON MY CREDIT FILE AND I NEED A COPY OF MY FULL REPORT. I found tons of information that is not right on my file. The following addresses are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX My name is XXXX XXXX. XXXX please remove any other name. 
My address XXXX XXXX XXXX XXXX, OH XXXX I choose to opt-out of your disclosing future information until further notice including the Ful Report and other furnished Lexis Nexis inquires regarding all personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources
State: FL

Complaint narrative:
I have Creditor listed as XXXX XXXX XXXX of XXXX Florida on a letter from a debt collector ( XXXX XXXX at FirstPoint Collection Resources , Inc. located at XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX, NC XXXX. XXXX XXXX XXXX of XXXX are claiming that I owe them and have not listed the reason for this debt. 
They assigned this account number to me XXXX with FirstPoint Debt Collectors without any reason. 

I never called XXXX XXXX and when I try contacting First Point they just told me I had to pay for services I did not use. 

They charged me for {$990.00} and could not produce any evidence that I used their services

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Nelson and Kennard, LLP
State: CA

Complaint narrative:
Nelson & Kennard / XXXX  XXXX XXXX told me that if I did not pay them {$2500.00} they would proceed with prosecution against me. I am not an attorney, but I feel that this was a way to try to get me to pay by way of pressuring me like the mafia. When I spoke with Nelson & Kennard who is collecting on behalf of XXXX XXXX XXXX they also recorded my call without me giving them permission. They also did not update the credit bureaus to " Consumer Disputed '' I am a single mother and I want this harassment to stop as I have spent several countless hours trying to correct both companies mistakes in the matter. I have a XXXX XXXX and I am a XXXX XXXX XXXX citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
For the past 2 years, I have been attempting to get the full details of any Student Loans and my taxes have been seized due to a frivolous loan statement that is sent when I request for full documented information concerning me trying to borrow money for a Student Loan ( s ). I have requested a full detailed paper trail of the loan, the schools my full signature on any and all paperwork and XXXX and NAVIENT both failed in providing the accurate description. I feel now that I must file for a hearing to deal with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 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: MI

Complaint narrative:
I filed for bankruptcy in XX/XX/XXXX. I was not late on any payments. The bankruptcy was discharge XX/XX/XXXX. In XX/XX/XXXX 15 banks listed my credit as being 90 days late. All banks have corrected or attempted to correct their error. As of today 8 credit cards have removed their negative remarks from my credit but XXXX is still reporting me as being late on payments. XXXX XXXX has informed me that they have removed all negative reporting and the the error lies with XXXX  trans union and 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 2019-03-02 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I filed for bankruptcy inXX/XX/XXXX. I was not late on any payments. The bankruptcy was discharge XX/XX/. In XX/XX/XXXX 15 banks listed my credit as being 90 days late. All banks have corrected or attempted to correct their error. As of today 8 credit cards have removed their negative remarks from my credit but XXXX  is still reporting me as being late on payments. XXXX XXXX has informed me that they have removed all negative reporting and the the error lies with XXXX XXXX XXXX and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lendmark Financial Services
State: TX

Complaint narrative:
This company keeps adding information to my credit under different names. Lendmark financial, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX are all the same! They are now on my credit report twice under two names. But, are also listed under the above named companies as well. They have been harassing my family, and have called impersonating the people at the XXXX County Courthouse, telling me I've been sued and that I have a court date. They have also called me and told me they were suing me and I needed to be home between 3-5 on XYZ date to serve me papers. I was home, and no one showed up. This company is using UNETHICAL tactics to try and get money and have been readding their accounts to my credit under different names and messing up my credit. I do have a voicemail that I can email to you as well, as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Double charged for a cell phone Payment I made on XX/XX/2019. 
Payment Charged -- -Fraudently -Again in my bank checking Account on XX/XX/2019. Contacted the cell phone company they said they only see one charge being made which is XX/XX/2019 Where is the Fraud Comming from? 

Why is a Second Cell phone payment in the Amount of {$30.00} Dollars being deducted in my bank account again Which I did not Authorized. 
Also my debt card and bank account Has no Automatic payments Authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: NM

Complaint narrative:
I'm getting harassing calls from the company, which was trying to come up with a solution by working with freedom debt relief, due to a hardship of a divorce. I spoke XXXX XXXX XXXX XXXX, regarding an account they couldn't help me until i went bad than the bank got involved and they're the ones making all the harassing calls to a variety of people that I never gave the number to contact on my behalf. I call and spoke to about this matter was Mr.XXXX  an he stated to the people he spoke with that he was an Agent for me to contact with urgency. He used a variety of numbers but the last number he called from was XXXX XXXX  XXXX. He has called more than 5 people maltible times on this matter so I know with this, do not call act this is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC
State: CA

Complaint narrative:
Prestige Financial Services debited {$440.00} out of my XXXX Bank Checking Account in ending # XXXX on XXXX XXXX, a arrangement and agreement was made between me and Prestige in writing about the XXXX XXXX auto loan payment to be included on the agreement Extension. 
Payments of {$440.00} was supposed to be implemented on XXXX XXXX and continuing payments on time. 
On XXXX XXXX around XXXX as I received a email alert from XXXX on issues and I made contact to XXXX bank and explained to XXXX  Rep on issues and filed a claim. 

Also on arrangement contract on my Auto Loan with Prestige I respectfully requested that Prestige remove and delete the 30-60-80-90 days late and Deliquency on my credit report from XXXX, XXXX and XXXX so my credit can be in prosperity. 
Prestige Account Vice President stated that she was going to remove and delete the negatives from credit report once the agreement is signed on XXXX XXXX and on XXXX XXXX the negatives will be deleted from my credit file from Credit Reporting Agencies. 
I am XXXX Lifetime, Retired and a XXXX XXXX Honorable Military XXXX and I am on my XXXX I am protected under the ADA Disability Civil Rights Act under Department of Justice.

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 2019-03-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently received my personal credit report and found that an account with XXXX XXXX is listed as past due and 90 days late the account shows an account balance when in fact the account is not past due or holding a remaining balance as it was paid in full months ago

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 2019-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently received my personal credit report and found that an account with XXXX XXXX is listed as past due and 90 days late the account shows an account balance when in fact the account is not past due or holding a remaining balance as it was paid in full months ago

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center
State: KS

Complaint narrative:
Requested verification of debt on XX/XX/XXXX received letter dated XX/XX/XXXX that the company has determined your dispute is not valid & that the information is correct however attached paperwork does not verify or substantiate any debt ie is only a print out with my name but does not prove debt is mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: WV

Complaint narrative:
{$530.00} was pulled from my checking account on XX/XX/XXXX without my authorization from Ditech. Ditech had no information on their end that they had even done this. I had to have my bank send them a fax stating that they had pulled the money from my account. This overdrew my account and I was several states away and had no money for gas to get home. This also caused me {$92.00} in bad check charges. ( which I still have not received from Ditech ) After numerous phone calls, over several days I was told by " XXXX '' that this was a glitch in their system and that a current project called XXXX was the cause. It caused ACH debits on consumers accounts without their authorization. I talked with XXXX on XX/XX/XXXX and stated that they could go ahead and apply the payment of {$530.00} to my account for the month of XX/XX/XXXX. My payment for XXXX was supposed to be {$420.00}, not {$530.00}. I told her to go ahead and apply the over payment as principal. This would also allow my XXXX payment to be considered on time. 
On XX/XX/XXXX they refunded the {$530.00} back into my account even though I had requested it to go toward XXXX 's payment on XX/XX/XXXX. That now looks like I missed XXXX 's payment. With my checking account being overdrawn for over a week because of XXXX, I was not able to make other payments towards other bills thus making them late. This is not the only XXXX up that they have done with us over the years.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently received my personal credit report and found that an account with XXXX XXXX is listed as past due and 90 days late the account shows an account balance when in fact the account is not past due or holding a remaining balance as it was paid in full months ago

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 2019-03-02 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: Innovis
State: OH

Complaint narrative:
I have attached my ID SS and proof of address mail for my identity. I NEED TO PLACE A HOLD OR FREEZE ON MY CREDIT FILE AND I NEED A COPY OF MY FULL REPORT. I found tons of information that is not right on my file. The following addresses are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX My name is XXXX XXXX. XXXX please remove any other name. 
My address XXXX XXXX XXXX XXXX, OH XXXX I choose to opt-out of your disclosing future information until further notice including the Ful Report and other furnished XXXX XXXX inquires regarding all personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I have attached my ID SS and proof of address mail for my identity. I NEED TO PLACE A HOLD OR FREEZE ON MY CREDIT FILE AND I NEED A COPY OF MY FULL REPORT. I found tons of information that is not right on my file. The following addresses are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX My name is XXXX XXXX XXXX please remove any other name. 
My address XXXX XXXX XXXX XXXX, OH XXXX I choose to opt-out of your disclosing future information until further notice including the Ful Report and other furnished XXXX XXXX   inquires regarding all personal 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 2019-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/19 someone used my debit card number to spend {$100.00} at XXXX 25min away from where I live. I immediately received a alert limit email notification which I set to be {$75.00}. I reported it to Chase immediately. They issued me the money immediately and told me they would investigate. A couple weeks later I notice that Chase took the money back out from my account. I called and they said they denied my fraud claim and stated I need to provide more evidence. I contacted my local sheriffs department and filed a police report so they can get ahold of video surveillance to prove it wasnt me. The police officer told me to contact Chase and to submit the case number and that they know what to do since they always deal with this stuff. I contact Chase again and now they are telling me to have the Sheriffs department fax the police report to them. I contact the sheriffs department and they stated they usually dont do that type of stuff. Chase is making extremely difficult for me to get my money back and for them to accept fraud claim. I thought I had fraud protection, but its not working for me. I dont feel safe with Chase having all money ( they are my primary checking account and its where all my direct deposits go to ). Luckily it was only {$100.00} but its not the amount of money that matters, its the principal. It will be weeks until I get my money back. Extremely unhappy with how Chase has handled this and how they are making so difficult for me to get my money back. I will be closing my account with them soon once this hopefully all delt with

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-02 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have a charged off account with XXXX XXXX XXXX reporting on my Experian credit report. The date of first delinquency shows XXXX of 2012. I am fully aware that there is a minimum of 7 years from the date of first delinquency before a negative item can be removed from a credit report. I also know that there is a thing called " early exclusion. '' I have successfully had this item removed from XXXX, and XXXX   for early exclusion. When I try and call Experian to do the same, they always tell me no and that they have never heard of early exclusion and that I would have to wait till XXXX. I would also like to note that this debt was forgiven with the Original credit granter. I am in the process of buying a home and need this item removed from my report. I am well within my rights as a consumer to have this item removed per my request, but Experian refuses to cooperate with me. Therefore I am filing this 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 non-monetary relief
Consumer complaint received 2019-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CNG HOLDINGS INC
State: FL

Complaint narrative:
I have disputed two accounts on my credit report for inaccurate information which is killing my credit score. 
XXXX XXXX has 2 ( one for {$540.00} and the other for {$1200.00} ) which I have the bank statements to prove they were paid on time every time. XXXX XXXX XXXX now owns them and when i tried to prove to them and XXXX and XXXX with the proof, they deny it and leave it on my report saying I never paid. I have tried since XX/XX/ 2018 to get them removed but nothing. I feel I need an attorney to go after all of them for the issue.

Company response to consumer: Closed with explanation