vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
Good morning, I am writing this formal complaint in regards to my mortgage with Freedom Mortgage. I have had this loan since XX/XX/XXXX, originally with XXXX. I filed for bankruptcy in XX/XX/XXXX. It was denied several times and confirmed on XX/XX/XXXX. 

XX/XX/XXXX, 12 days after Freedom Mortgage bought the servicing rights to my mortgage, Freedom Mortgage filed a motion for foreclosure. 
An Attorney XXXX XXXX of XXXX XXXX XXXX stated it was withdrawn because I was in Bankruptcy. 

XX/XX/XXXX Freedom Mortgage Filed another motion to foreclose. 

On XX/XX/XXXX XXXX XXXX, Legal Assistant with XXXX XXXX XXXX emailed my Lawyers office stating tat the cure had been satisfied. As you can see because the XXXX mortgage statement said I only owed {$1600.00}. As oppose to the {$18000.00} in XX/XX/XXXX statement. 

XX/XX/XXXX. The Trustee XXXX XXXX started the discharge process and Freedom came back with a cure that they could nopt explain where it was from. 

The first Monthly Statement after the Chapter XXXX was XX/XX/XXXX. It said balance due of {$4600.00}. I paid {$4800.00}. XX/XX/XXXX Freedom statement did not acknowledge the payment and hasn't since. 
I have paid all monies owed through the Trustees stated payments to the Chapter XXXX, In the amount 0f {$23000.00}. see attached. 
AS well as {$600.00} over what shold have bben paid since the cure was acknowledged satisfied on XX/XX/XXXX by XXXX XXXX XXXX. 

I have all monthly mortgage statements and pay history that I have sent to them. Freedom and XXXX XXXX XXXX refuse to acknowledge that the bankruptcy was paid in full of what was confirmed. 

The stress from this has been hard on my family. My wife had a XXXX XXXX last month and was diagnosed with XXXX XXXX. 

The derogatory reporting on my credit report is affecting my professional licensing. 
Freedom has told me several times that it was fixed and then they move forward towards foreclosure without notification. I have hours of recorded phone calls with Freedoms Call center showing this. 
They are now threatening me that if I do not agree to a modification at 3 % on a 30 year fixed, extending my loan another 5 years, by XX/XX/XXXX I will go into foreclosure again. 
So they think I'm worthy of a lower rate of 3 %, which is still .5 % above market pricing on a VA streamline but they still might foreclose. 
That sounds illegal to me. 
Please see attachments that validate everything I'm saying

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 2020-11-13 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: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC
State: NJ

Complaint narrative:
XX/XX/2020- I often get scam calls on my i-phone. If the phone has a name, I pick up-if it's an unknown number, I don't pick up. Often the phone will state SCAM. I kept getting a call fromXXXX XXXX an unknown entity so I didn't pick up. THEN that caller phoned two of my friends! How could they have my friends ' numbers? My friend picked up and the caller asked for { my name } so my friend asked who they were and they said directrecovery Inc. so my friend gave me that number. I called what I assumed was a debt collect agency. They said I had a debt with XXXX XXXX XXXX and I told them I have never ordered anything ever from that company. They stated they would proceed with collecting the debt from my bank account. THEN they hung up. I tried to call back and no one ever picked up. They would not tell me the amount of the false debt. How could they have my bank account? How did they have my friends ' phone numbers? How can I stop them if they somehow have access to my bank account?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
See Complaint XXXX with Ace Cash Express. 
On XXXX, a business only called XXXX at XXXX Representatives name is XXXX ext. XXXX called me stating they were in the process of filing legal action for a debt they had bought from Ace Cash Express. If you look at my complaint number above with Ace Cash Express, it clearly stated they sold this debt to a much different collection agency not XXXX. XXXX refused to mail me anything to verify my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: FL

Complaint narrative:
I have disputed an account from my credit report that is still there and per the laws incorrect and inaccurate info would be grounds for removal and this has not happened. Not only has it not happened I have never received my investigation results. One of the times I even sent out the mail via certified so I know they received my letters. I never received my first set of responses so the second set I mailed certified. I'm asking my XXXX XXXX XXXX account I'm disputing to be deleted for it's inaccuracy and for the lack of response. 

I sent out the first set XX/XX/20 2nd set- XX/XX/20 3rd set XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I asked for a modification in 2017 and they forced me to sign one that raised my mortgage Payment from XXXX to XXXX and extended it 16 years an i have been paying on it yet my principle never moved from the original amount. The pa attorney general took them to court yet they never helped me even when i complained about it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: KY

Complaint narrative:
I have been receiving letters for debts that I do not owe that come from identity theft. I have file an identity theft report and sent it t all the credit bureaus. Credit collection Services sent me a letter for a debt that does not belong to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JP Morgan Chase has allowed a foreign merchant to fraudulently bill me for a card not present transaction for medical treatment of a person who is dead. I have provided all the proof to JP Morgan Chase but they closed the dispute with a form letter with no reason given, no counter evidence supplied and have attempted to allow the foreign merchant to steal over {$1600.00} USD from me. See attached file for full details.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: NC

Complaint narrative:
my mortgage were transfer to a new company called Flagstar Bank on XX/XX/XXXX and I can not get any document I want from them. they always lying said i will get the document but never get any documentation. i want my mortgage to be transfer out of this company.

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 2020-11-13 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: UT

Complaint narrative:
On XX/XX/XXXX my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2020-11-13 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: NC

Complaint narrative:
I previously sent five letters to TransUnion disputing the bankruptcy and other negative fraudulent accounts on my credit report but Transunion keep sending me dispute results back saying that they verified the bankruptcy when XXXX  and XXXX deleted the bankruptcy and I sent Transunion proof of the bankruptcy being deleted and I sent them a letter from the bankruptcy court stating that they don't furnish information to third-parties and I also sent Transunion a letter from XXXX showing them that I had a security freeze on my XXXX credit report and they still say they verified the bankruptcy.

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 2020-11-13 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:
XXXX XXXX XXXX ( Account number XXXX ) is fraudulent. Law Enforcement Report has been filed. Please remove this FRAUD account from my credit file immediately. A FRAUD ALERT has been placed on my file at my request after LATE PAYMENTS from this FRAUD ACCOUNT destroyed 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 2020-11-13 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: NY

Complaint narrative:
I recently sent letters over 60 days ago to Equifax and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2020 Citi bank allied a merchant to deduct founds from my account in the amount of {$190.00} at XXXX ET. The merchant in question did nit have access to this debit cards information and this is not the first time a merchant has gotten access to a new debit cards number owned by me without my authorizing it. Ive disputed the first merchant XXXX deductions for {$16.00} from my account ; when I called the bank the first time they told me MasterCard is sharing my card info with previous merchants they stopped it and now its happening again.

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 2020-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CMRE Financial Services, Inc.
State: FL

Complaint narrative:
Keep calling from different numbers I stated to leave me alone and take me off the list.I also have no knowledge about the debt there stating I owe and I just had a baby and it's AGGRAVATING.They stay hurassing me I tried to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with fraud alerts or security freezes — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I come to you with this formal complaint in that I am not aware of this debt all together I do not recall taking out a 2nd mortgage. Nor signing for any documents pertaining to a 2nd mortgage on my home. I am requesting that this debt be validated. I am asking for your help to validate this debt. The lender will not furnish any proof of this debt though they have it attached to my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: MD

Complaint narrative:
On XX/XX/XXXX I sent Experian a letter requesting verification documents for XXXX XXXX Acct # XXXX due to dispute results I received on XX/XX/XXXX claiming that this account was verified ( Report # XXXX ) and their agency is currently reporting. According to FCRA 611 ( a ) ( 7 ) the credit reporting agencies have 15 days to supply verification documents upon request. As of today, XX/XX/XXXX, I have yet to receive the requested verification documents for the said account. Due to Experian 's lack of response within the allotted time provided, I demand this account is deleted from 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 2020-11-13 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: VA

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

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 2020-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I missed a payment because I was hooked up to a XXXX in the hospital with XXXX XXXX. 

I have called the lender and detailed the situation several times. They have said that I don't qualify for forbearance or a good faith forgiveness. However while I was in the hospital hooked up to a XXXX  there was no way I could make payments. 

Since the missed payment I have continued to make all other payments timely. 

The lender ( Chase ) has essentially told me too bad and that they do not care about their customers. 

XXXX was very hard to beat however I beat it. And It is not right that now My credit score is 140 point lower than it used to be and I can't qualify to buy my family a house. 

The attached document shows a due date change that I made the payment by. Not only are the falsely reporting I was late but they also won't acknowledge that I was sick. Heartless ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: UT

Complaint narrative:
On XX/XX/2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2020-11-13 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: NY

Complaint narrative:
I XXXX XXXX am responding to this response from Experian : Your CFPB complaint regarding your reinvestigation does not appear to have been sent directlyby youor to be authorized by you. As a precautionary measure, we have not taken any action on the request. 

I XXXX XXXX did send this complaint and request to removed and blocked the items listed on my FTC 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 2020-11-13 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: NY

Complaint narrative:
I recently sent letters over 60 days ago to Experian and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

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 2020-11-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: PA

Complaint narrative:
I became aware of unauthorized withdrawals from my reliacard account on XXXX XXXX, XXXX. Called reliacard and explained situation and old card was deactivated. I have made numerous attempts to settle this matter and am not receiving " real '' help, just a run-around. I finally received a new card and can not activate it because of " ID verification '' ''. I have sent what is required to verify 4 times so far. Now they want me to do it again, a fifth time. I'm at wits end and need help with this issue as I am just being played with at this point. I am XXXX and need this money to survive

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 2020-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: NC

Complaint narrative:
Someone called asking me to confirm my identity with my address and last 4 digits of SSN. I asked for her to identify what company she was calling from, and she said something like " corporate accounts '' but wouldn't tell me any other details without confirming my identity. Once I did that she said she was collecting debt from the Illumination Company in Ohio, where I used to live. I do NOT have debt with them - my balance is {$0.00} and was always paid on time. 

The number she called from was XXXX. I am now worried my identity will be compromised.

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 2020-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am a victim of Identity theft. The perpetrator ( s ) used my information to try to open a loan with XXXX XXXX XXXX. This company accessed my file through XXXX XXXX XXXX. 

I contacted XXXX and they claimed they had permissible purpose to access this file but WOULD NOT PRODUCE IT. This is a violation of federal law. The customer service area then said there was no signed disclosure or no physical evidence of Permissible Purpose available. 

I have enclosed a letter to this company. 

This inquiry is negatively impacting my credit score. I have contacted Experian directly and they refused to remove 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 non-monetary relief