vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX offers help in conjunction with the Federal Government to aid low income XXXX people have a phone line in there home account number XXXX was suppose to be just that but there was such a back log in the phone company getting the XXXX paperwork my bill kept being incorrect and then corrected and then billed incorrect again by the time it was all finished I left the state but paying all balance owed once able we agreed they gave me a paid in full letter which is on file at Experian however every month XXXX still reports my account negatively for the sole purpose of punishing a XXXX American citizen whom has paid every dime owed them in Full for sport. It is an atrocity of the worst to continue punishing me years later even when you have been paid. Im sorry I lost my job and became XXXX but it happens and this company offered me help as though they represented the Government then trapped me in a debt forced me to pay it and continue to scoff my life with negative credit information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Allied Collection Services, Inc. (Nevada)
State: NC

Complaint narrative:
Hello, In regards to the Allied Collection Service report of : {$54.00} that is reporting as a closed debt. This deoes not belong to me and should be removed form my CREDIT REPORT immediately. I am sick and tired of XXXX reporting inaccurate information under my name and social security number. I went thru 5 years of having a XXXX eviction reported which was just removed after numerous attempts stating it was fraudulenty and not belonging to me. You people have ruined my financial life. XXXX! 
You people are pathetic and I hope something really bad happens to you and your business ... REMOVE THE RECORD!

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 2015-12-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX IS REPORTING AN AMOUNT ON ALL XXXX OF MY CREDIT REPORTS THAT DO NOT BELONG TO ME. THE AMOUNT THAT THEY ARE REPORTING IS FOR $XXXX. I HAVE CONTACTED THEM SEVERAL TIMES REGARDING THIS MATTER AND EACH TIME THEY CLAIM THEY ARE WORKING ON IT AND THEY WOULD REMOVE IT FROM MY CREDIT REPORT. THE LAST DATE I SPOKE WITH THEM WAS XX/XX/2015, WHILE I WAS MEETING WITH MY FINANCIAL COUNSELOR. AGAIN, THEY PROMISED ME THAT WITHIN THE NEXT 30 DAYS IT WOULD BE REMOVED. MY COUNSELOR PULLED MY EXPERIAN CREDIT REPORT TODAY, XX/XX/2015, AND THE ACCOUNT IS STILL SHOWING ON MY REPORT. PLEASE HELP ME GET THIS ITEM REMOVED AS IT DOES NOT BELONG TO ME.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
XXXX XXXX XXXX VA XXXX SS # XXXX Loan # XXXX Registered Loans Loan Number XXXX Property Address XXXX XXXX, VA XXXX Loan Status Loan Active Freedom mortgage is not reporting my good credit history to the three reporting agencies

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 2016-04-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
We had a water damage claim in our house. We were issued a water damage loss check from XXXX our Insurance company. The check was supposed to be endorsed by the mortgage company only. The first time I called they insisted due to the large check amount that we had to get a certified contractor to complete all of our house work. The people had already been working in our house for about 1 week and half and they did not have a contractor license. I explained this to person I spoke to the first time and they stated that I just had to write a letter of consent stating that i take full responsibility for the repairs. I faxed the papers in and they had not approved or sent any of my faxes through for a whole week and then when i called back they stated that I had to still fax the contractor license before they would send the check back endorsed. I have been going back and forth with several different personnel for almost a week and half. I last spoke with XXXX XXXX XXXX and she stated that she needed to request someone from the mortgage company to take a look and then he will send a report back to XXXX and then they will only send half of the amount of the check back to us. I called again today on the XXXX and the request had still not even been put through for the representative to come through. The workers are going to be done with the house work on Saturday on XXXX XXXX, 2016, and I still do n't have the means to pay them because of the mortgage company lack of communication and the incompetence of the company itself. I am thoroughly unimpressed, disgusted and disappointed that I 've had to go through so many hoops just to get a check endorsed for a project in my house. The customer service was non existent and was made to placed on hold for XXXX min each call and was hung up on XXXX different occasions.

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 2017-03-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Can the mortgage company request, for the housing counselor to sign the letter of authorization?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
On today, Friday, XX/XX/2017. I went into the 5/3 bank to open myself a bank account. I bought in my two paychecks. At first I was told by the representative that I could not cash the checks because the signature from the XXXX, my boss, looked different. So, I called the XXXX. Then, I was told by your representative that because I called from my cellular phone it could not be used as a verification. So, I had them talk directly to the XXXX from the bank phone. 
I was simply just trying to open a basic account. I am now working a very good job. I need a bank account. My son XXXX need direct deposit. I need a bank account. I am thinking, wow, finally my life is coming together. But, then, not only did your mean, disrespectful, harassing, and bullying representative hold one of MY checks and refuse to return it, but said that I would be opening two accounts that would incur ME fees. And, when I refused and said I simply wanted a basic account, I was told that it was too late because the paper work was already done and I was n't getting my check back. I could have ranted and raved, but in public, that would have been distasteful, and I was n't going to take a chance on being escorted out by security. This person had both MY checks. I decided to contact 5/3 corporate, because I want this matter solved. I have decided that I want to change banks. After this incident, I do n't think 5/3 is for me. I would like all my money back. Also, if there is a problem handling this matter then my Attorney will contact you. I am outraged. I am really outraged, but I am also trying to hold my disposition. Let 's try to resolve this matter as quietly and as quickly as possible. Please contact me at the email or number noted above. Also, as far as the representative is concerned I am hoping that some sort of discipline would suffice. I refuse to allow my sons XXXX to be handled by your bank. He would probably never receive his XXXX waiting on the HIS funds to be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: OR

Complaint narrative:
My mortgage was transferred from XXXX to Freedom Mortgage without my knowledge. I believe the transfer occurred in XX/XX/XXXX. I continued to make my monthly payments, on time, directly to XXXX as I always had. 

I made electronic payments via XXXX online billpay for the amount of {$1500.00} for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on XXXX, XX/XX/XXXX, and XX/XX/XXXX respectively. XXXX has stated that they forwarded those payments to Freedom Mortgage on XXXX, XXXX, and XXXX respectively. XXXX has assured me that all of those payments were forwarded electronically - not via paper check. 

Freedom Mortgage received the first XXXX payments and applied them to my account, but they did not receive the XXXX. XXXX has not returned the XXXX payment to me and has also repeatedly refused to provide any proof of them forwarding that payment to Freedom Mortgage. Freedom Mortgage has repeatedly assured me that they have not received that payment. Neither company is willing to contact the other to help me resolve the issue, even after weeks of numerous calls and emails to both companies. My mortgage account is now in default, and despite having an impeccable credit history my credit record is now in jeopardy. 

During every single call to XXXX I have asked them to provide a transaction ID for that third payment of {$1500.00} that they claim to have transferred to Freedom. They have refused to provide any unique identifier or proof of payment to help me locate this payment. XXXX stated that the only way for one to find out more information about this transaction is for Freedom to directly contact XXXX processing department. Freedom has refused to do that, and also refused to allow me to conference both companies onto the same call to resolve the issue. I 've launched multiple research tickets with both companies, and they have not made any progress in locating the missing payment nor disclosing any transaction information that would help me to do so. 

It 's also worth noting that I made my XX/XX/XXXX payment to Freedom by check to prevent any further issues with my account, but they incorrectly applied it to the missing XX/XX/XXXX payment. So while they are showing I still owe them for my XX/XX/XXXX payment, it 's the XX/XX/XXXX payment ( which I made on XX/XX/XXXX to XXXX via XXXX online billpay ) that either XXXX failed reimburse or forward that is currently missing.

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 2016-05-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
To Whom It Concerns ; Apparently, my original XXXX mortgage loan was sold to Freedom Mortgage.com, some years back. Freedom Mortgage referred me to XXXX, XXXX, who worked with XXXX XXXX for some reason. XXXX XXXX collected my mortgage payments, twice monthly, from my direct deposit, assumingly to pay my mortgage off sooner. It seemed these XXXX organizations had worked together and they knew each other. To confusing for me to understand how the mortgage world works together. XXXX XXXX applied my money to principles supposedly by means of 13 yearly payments. 
I am now informed XXXX, XXXX sold my loan back to Freedom Mortgage Corporation ; I thought they owned the original loan anyway. 
I 've spent the entire day trying to figure out what is going on with my money and loan and where to make my payments. 
For some reason the phone numbers I 've had to contact these entities " XXXX, Freedom Mortgage, & XXXX '' just go back to Freedom Mortgage. The XXXX representatives I spoke to have given me the run around and are insisting I enroll and set up payments. 
That said, further research has taken me to several disturbing websites ; including the XXXX, Consent Order issued by CFPB regarding XXXX XXXX. 
I have discovered a mortgage scam. I 'm quite nervous due to calling Freedom Mortgage for my year-to-date information for XX/XX/XXXX. The automated system declares nothing had been paid, " no interest, principle, insurance, probably taxes. '' An attorney corporation involved " XXXX XXXX XXXX '' and created XXXX bi-weekly program. 
XXXX XXXX has been sued for fraud and unjust enrichment in Federal Court, XXXX, Ohio. Freedom Mortgage gave him mine as well as other victims mortgage information. 
I 'm afraid to pay my mortgage to Freedom Mortgage Corporation ( FMC ) by XXXX XXXX, XXXX, for reasons ; 1 ) The XXXX representatives I spoke to seemed to withhold information to questions I had ; 2 ) today, I received the letter of loan transition from FMC with new loan account number dated XXXX XXXX, XXXX. Though, bottom of page shows Rev : XXXX/XXXX/XXXX. 
I am a single grandmother raising my XXXX year old, with XXXX school left in my XXXX, and am employed. I have never been late or had trouble making any payments regarding anything. Have lived in my small home since XX/XX/XXXX, when I purchased it. 
My feeling is I need a lawyer especially if my money has been deceitfully been misused or stolen for months. 
I hope my crisis is considered important to your organization and will be reviewed promptly. 
Thank you!

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 2017-03-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
When I got my loan with Fifth Third Bank on XX/XX/XXXX, I was given a coupon book with 180 payments at {$340.00} per month. I made every payment. 

In XX/XX/XXXX, my company downsized due to the recession. I was unemployed until the end of XX/XX/XXXX. During that time, I struggled to make the payments but managed to make every one. If I was late, I paid the late fee indicated on the coupon. Since XX/XX/XXXX, I have been employed regularly and I have made all payments on time or early. 

I called Fifth Third in XX/XX/XXXX to ask for the payoff thinking I owed just a XXXX dollars. I was shocked when they told me I owed {$9000.00}. I asked my former wife to investigate and she tried unsuccessfully to figure out the difference. 

One thing she was told is that the bank had purchased insurance coverage for around {$1200.00} at some point during the loan, but we had coverage on the boat at all times. We took proof of coverage to the Fifth Third branch on XXXX when we were first notified. They were supposed to cancel the insurance. We heard nothing more so we assumed this was done. 

The remaining roughly {$6000.00} difference was explained by the bank as 'simple interest ' but my former wife could not determine where the differences were from the payment records the bank sent her. I ordered a new coupon book expecting to see the new amount. Instead, the coupon book I received on XX/XX/XXXX showed the same payment amount of {$34000.00} and the same number of coupons remaining. 

I counted down the months to my final payment. On XX/XX/XXXX I proudly wrote a check for my final payment with the notation on the check " paid in full ''. It was a happy day. However, on XX/XX/XXXX, I received a letter from XXXX Fifth Third saying I still owed {$6600.00}. 

Throughout my loan, I never received monthly statements from Fifth Third showing the outstanding balance. I thought my outstanding coupons represented the total amount I owed. If this was simple interest, why was I given a coupon book showing my payment ending XX/XX/XXXX and not a monthly statement like my simple interest Visa card does? 

This is unfair and deceptive. I never knew until I called about the payoff that I was getting off track. Not one letter from Fifth Third or one statement balance was received from Fifth Third during the fifteen years that I had the loan. I asked for a new coupon book after the payoff request I made, and I was given another misleading coupon book. Now after fifteen years of payments, I am being told I have to pay them {$6600.00} by XX/XX/XXXX. Can you help us resolve this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: LA

Complaint narrative:
I requested assistance from my lender multiple times and they denied me for review from anything other than lump sum payments towards my delinquency. On XXXX/XXXX/2015 I sent in a complete package for a review for the Making Home Affordable Program. On XXXX/XXXX/2015 a paralegal from my attorneys office called the lender and spoke with a XXXX, at Vanderbilt, and asked for an update on the modification review. The representative stated that they reviewed me for an assistance request in XXXX and offered me to make a lump sum payment of XXXX mortgage payments towards my delinquency and because I did not accept that, that they are not required to review me again for an assistance request. When clarification was asked for not reviewing me again for assistance, the representative stated, " well unless we see a dramatic difference we wont look at it again. " Please help. I know I am eligible to be reviewed for the making home affordable program and my lender is refusing to give me a fair review.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Financial Business and Consumer Solutions.
State: SC

Complaint narrative:
Adverse debt reported to XXXX in the amount of {$150.00}. Contacted XXXX at XXXX XXXX and XXXX XXXX ( listed on XXXX Report page of which is attached ). This account dates to XX/XX/XXXX from an Emergency Room Doctor named XXXX XXXX ( no clue who she is ) at XXXX XXXX in XXXX, Ohio. XXXX part of the XXXX billed insurance and subsequently billed me for what Insurance did n't pay. Account was then turned over for non pay to a XXXX XXXX who never contacted me ( phone number has been the same since XX/XX/XXXX ) and finally was purchased by the aforementioned company. I requested of XXXX a copy of the original debt and explained that I have not lived in XXXX for SEVEN YEARS and would never allow a medical debt to go into collection. This is beyond belief that this company can place collection activity on my account as the XXXX Company ... simply blackmail to get me to pay a debt I may or may not owe. To reconstruct medical records from an insurance company I not longer have would prove impossible and beside the fact that what is billed and co pays requried by subscriber are usually XXXX. This item needs to be removed from my XXXX Report and these companies need to be put out of business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
My deceased ex-husband had a credit card account with XXXX Bank since XXXX. We were married in XXXX, divorced XXXX. According to the divorce we both assumed responsibility for bills in our name. This account was never in my name until his death. I never received any information on this account or used this account. I only found out about it when I was denied a loan last week. I 've had excellent credit with a score of XXXX, that fell to XXXX after they attached my name to this account. XXXX has given me the run around. They refer to me as the primary cardholder, yet they wo n't give me any information or have ever sent me a bill. This is not and NEVER has been my account, but now my credit is ruined because they attached my name to this account. XXXX tells me this will stay on my credit report for 7 years. This is not right. If they hold me responsible, why was I never contacted?

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 2016-07-24 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian ( Deceptive Business Practice ). 
This credit reporting agency changes my credit score ( usually lowering it ) whenever it suits them, and without ever providing to me any type explanation or reason for doing so. The most recent time was today, XXXX XXXX, 2016. While nothing changed in my financial circumstances since this agency 's last report of my credit score six ( 6 ) days ago, this agency lowered my score again, and I have absolutely no reason why it was lowered. Experian 's website is secretive, in that it provides no rational manner in which to contact and dispute the altering of my credit score. I have complained to the XXXX and Office of the Attorney General of Pennsylvania but with little or no results. I am requesting that your agency intercede in this matter in an effort to have Experian provide to me an exact reason or reasons whenever my credit score is lowered or increased or altered in any manner. Every time I check my credit score with this agency, I get ready for a surprise, and I do not like surprises. Please contact me if perhaps you should require any additional information regarding this matter. Respectfully yours, XXXX XXXX XXXX, XXXX. 
Consent to publish the description of what happened? Consent provided

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 2015-08-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account was paid in full before leaving with this company. I do not understand why they are putting this account on my credit file. Please have is account removed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation