vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
Sent Freedom a Certified check for mortgage payment at there request. They would not allow me to do online Bill pay or pay online. Must be certified check per there representative. Sent on XXXX XXXX and was delivered XXXX XXXX to PO box specified by Freedom Rep. After payment was never applied to funds a week later I began calling trying to find out why. Per Freedom the check was sent to a different processing center in Indiana and would be applied to my account once received. After 2 weeks no funds applied, sent by fax receipts for Certified check and had to submit a written request for inquiry. XXXX XXXX they said they got my request and opened a help ticket, I was instructed to call back in 10 days. 10 days called back case was closed because they needed more proof I sent payment other then them signing for the check. obtained Proof from XXXX for cashed check front and back and faxed AND emailed to customer care the first of XXXX help ticket reopened told me to call back in 10 days. I called back they did not receive the the fax or email! help ticket was closed. Sent to work email of case worker per her request she would ope help ticket. 10 days later I called and she did not receive my email. I resent the email with her on the phone and she finally recieved it. I was told to call back in 10 days. I called back. I was told to call back in two days. I have called Freedom Mortgage over 10 times, they have never returned my call. usually I am placed on hold for 30-40 minutes before I give up and hang up. I emailed them and faxed them 3 times all the paper work they required. There stories keep changing of where my check was sent to. They send me Demand Letters for missing payments 3 times a week. I was served at my home by a courier service for missing payment, they claim they did not hire him.I have been charged Late fees and Home inspections fees for the missing payment. They have been reporting to the credit bureau since XXXX that I have been delinquent. Yet My payment was n't missing until XXXX. They will not return my calls, they are avoiding me, and have no idea where the cashed certified check made out to them is. It has been 5 months of my constant calling and emailing and faxing everything they requested and still I am in delinquency.

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 2017-12-12 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: IL

Complaint narrative:
I 've placed fraud alert on my credit report due to identity thief I 've reached out to, Equifax XXXX and XXXX informing them this XXXX XXXX XXXX Acct # XXXX acct does n't belong to me. I 've even asked for acct verification with my signature, I have n't yet received this information. I 've called numerous time and have talked to customer service. 

Equifax : Dispute # XXXX, XXXX, XXXX, XXXX XXXX Dispute # XXXX, XXXX, XXXX, XXXX, XXXX XXXX File #  XXXX - I 've sent 5 disputes and 4 pone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 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: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
This account is reporting open when it should have been closed company was suppose to send verification but it was never received

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On XXXX XXXX, 2016 I visited XXXX XXXX in XXXX, OH to purchase an used XXXX XXXX XXXX. I had pre-approved financing I had obtained with my bank prior to shop for a vehicle. After we agreed to a purchase price I proceeded to give the dealer my bank pre-approval paperwork as my form of payment when the manager advised me that they may not be able to accept my private financing plus they may be able to get me a better deal with one of their lenders. I told him that I was pleased with the financing obtained with my bank ( XXXX XXXX ) and that I did n't need to check other options. The management continue to pressure and asked me if they could just run the numbers with their lenders, just to compare. I asked if it would affect my credit and they said no. I was then offered a loan with Bank of America with a comparable rate to the one I obtained plus they offered new car mats for taking taking the financing with BoA, their lender which I accepted. This year I noticed my credit score was lower than what I expected and noticed XXXX credit inquiries on XXXX XXXX, 2016 for a vehicle loan that are directly affecting my credit rating. These inquiries were done by the dealer after convincing me to check with their lenders after saying it would n't affect my score. I also learned recently that financial institutions do give dealers a commission for offering their products. Now my credit is affected because of a loan I did n't need in the first place.

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 2017-12-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I received a call from Navient on XXXX saying my account was past due.I made a direct debit payment over the phone to them which brought my account current. I received a confirmation number and a copy of my bank receipt which evidences the payment. The representative told me the account was now current, next payment will be due in XXXX. Yet on XXXX they reported me to credit reporting agencies as delinquent. I called Navient and they lied to me saying they do n't report past due accounts until they reach past 90 days but I showed them that they reported me anyway at 60 days, even though i made the payment!! They told me they would look into it and could not explain the negative credit reporting DESPITE PAYMENT BEING MADE ONE WEEK PRIOR! When I asked them to remove it, they said only they would " look into it. '' I asked for the name of the person I was speaking to, they would not tell me, only an ID number. I asked them why this was done to me they could not explain. Because of this false reporting, my credit rating dropped 30 points. This company is so crooked!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I have initiated the payment for XXXX several times for account XXXX the payment has been rejected with the Pro Collect representatives attempting to collect an amount that is over 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 2017-12-12 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: IL

Complaint narrative:
I 've placed fraud alert on my credit report due to identity thief I 've reached out to, XXXX XXXX and Transunion informing them this XXXX XXXX XXXX Acct # XXXX acct does n't belong to me. I 've even asked for acct verification with my signature, I have n't yet received this information. I 've called numerous time and have talked to customer service. 

XXXX : Dispute # XXXX, XXXX, XXXX, XXXX XXXX Dispute # XXXX, XXXX, XXXX, XXXX, XXXX Transunion File # XXXX - I 've sent XXXX disputes and 4 pone calls

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 2017-12-12 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: IL

Complaint narrative:
I 've placed fraud alert on my credit report due to identity thief I 've reached out to, XXXX Experian and XXXX informing them this XXXX XXXX XXXX Acct # XXXX acct does n't belong to me. I 've even asked for acct verification with my signature, I have n't yet received this information. I 've called numerous time and have talked to customer service. 

XXXX : Dispute # XXXX, XXXX, XXXX, XXXX Experian Dispute # XXXX, XXXX, XXXX, XXXX, XXXX XXXX File # XXXX - I 've sent XXXX disputes and 4 pone calls

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 2017-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MA

Complaint narrative:
On or about XX/XX/XXXX the following unfair or deceptive act occurred : Quicken loan represented that you could process my refinance application without my XXXX tax return being completed. As a condition to close the loan I had to paint my house as a requirement me of closing the loan which was done at a cost of {$4500.00} After being assured 3 separate times including by a representative Quicken Loans executive office my loan could close without XXXX tax returns this turned out not to be the case. I was upfront from the 1st phone call with my constraints. In the end of the day my loan was declined due to my XXXX tax returns not being completed. As quicken Loans records all your call you can verify the facts XXXX XXXX misrepresented itself on 3 separate occasions by listening to the calls. This unfair & deceptive act or practice is, in my opinion, declared unlawful by Section 2 of Chapter 93A of Mass Law

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Accurate Background
State: OH

Complaint narrative:
Search ID XXXX Search Type Address Mover Completion Date 2017XXXX ( 2 ) I have never lived in this state someone is using my birthday and information please take this off this is not me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Real Time Group, Inc.
State: FL

Complaint narrative:
Real Time resolution has been fleecing my mortgage payment. I have over payed them by least $ {$600.00}. My 2nd mortgage payment should have been completed with XX/XX/XXXX pmt of {$240.00} this was made over the phone on XX/XX/XXXX. I show them pmt coming through my bank acct on XX/XX/XXXX. They have padded my account with multiple legal charges of which I have nothing do with. They should have sent me a letter showing that I have completely paid but instead I just received a letter showing that am 30 days past due. This is totally unacceptable and this company has very deceptive and fraudulent business model. Am asking your agency to intervene on my behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I agreed to pay XXXX per month on my purchase in the store. they financed through Synchrony Bank. within the first few months, I received a bill with a late fee. I have paid the XXXX every month - ahead of the due date. at that time I called them and they stated that the first month was late. we discussed the due date and I assumed they were correct on the first payment an made the additional payment to clear the problem. Since then - every single month they have added late fees to my account .... those fees now exceed the original purchase price of the bed I bought. they have called and harassed me for payment for months. calling at all hours several times a day - every day. I called again today to try and speak with a supervisor on the issue as every other time I call I get someone who just repeats that I owe this amount. I spoke to someone named XXXX who again stated that I owed the fees as I was not on a fixed payment plan. that is news to me. he stated that as the fees went on the payment needed increased and I was not making that minimum payment. again I explained that I was NOT late making payments and he repeated that I owe the money and how much I owe without even acknowledging my statement about the late fees being added incorrectly in the first place. I have made my payments in good faith and will continue to do so until the original balance is satisfied. they have done significant damage to my credit rating with these fraudulent fees. I will NOT pay the fees.

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 2017-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
On or about XXXX XXXX, I applied for a loan at XXXX XXXX XXXX XXXX. I have a very good credit record and a high credit score. 

I was denied credit on the basis of an Equifax report that there was a fraud inquiry regarding my credit report. When I called Equifax to get to the bottom of it, I was asked to send them a photocopy of the Social Security card and my driver 's license. I gave them every piece of information requested, except as to the copies, I refused. If his file was already the subject of fraudulent activity of some sort, why would I trust Equifax to secure images of my Social Security card and driver 's license? In addition, I believe that it is a violation of federal statute to require someone to use their Social Security card as identification. Consequently, the report stands and I am unable to get credit from XXXX XXXX XXXX. 

The copy of the report that XXXX XXXX XXXX got is attached with my SSN redacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
I am having problems with The XXXX XXXX XXXX XXXX  for a medical dept. They are trying to charge more than I owe. I have disputed this bill with XXXX and that did not help. I finally sent a dispute letter to the collection agency, which they received on XXXX/XXXX/2017 and I uploaded the dispute letter. I also uploaded the only bill they sent me that pertains to the amount they put in XXXX. The amount they have is wrong because they added a different bill to it from a different date. The bill they sent me is on their own letter head, so they could have put any amount in there. 
The smaller bills like the one they added to this one, I may be able to pay if I owe it. In addition, my insurance company got on a three-way call with the collection agency and me, the collection agent told us that the extra charge was probably a charge off fee. 
They never sent me a copy of the original billing statement, they never explained how the extra charge is expressly authorized by the agreement creating the debt, and no details about their authority to collect this debt. Please help, I am trying to straighten out my credit and they do not want to cooperate. 
They wo n't even negotiate with me. I told them that I can afford {$50.00} a month and they will not even accept it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 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: KY

Complaint narrative:
Was giving retroactive forbearance and still had 6-90 days 6-120 day 6-150 days even through the forbearance brought my account update these are still on there. Attached file what i send them and screen shot is what they sent back.

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 2017-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I had a loan for a vehicle that went to my ex wife. She chose not to pay the loan so I was in contact with XXXX XXXX XXXX XXXX that had the loan and gave them the location of the vehicle so they could repo the vehicle. I did n't want the vehicle and they said they would sell it and I could pay the difference off. I agreed and payed the vehicle off on XXXX XXXX XXXX. I went to buy a house XXXX of XXXX and noticed it did n't say paid in full. I asked them to please state this on my credit report. They did but put it as paid in full on XXXX of XXXX, not XXXX XXXX. Now I have to live with this on my credit report for another 7 years or maybe 10 years until it drops off my credit. They wo n't help with this. I would like to dispute this reporting so I can get my credit where it belongs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
THIS COMPANY ( CONVERGENT ) PLACED A COLLECTION FOR XXXX COMPANY THAT WAS ILLEGALY PLACED TO ALL CREDIT BUREAUS WITHOUT ALLOWING ME TO DISPUTE AS REQUIRED BY FEDERAL LAW TO DISPUTE THE COLLECTION. 

THIS ACCOUNT IS NOT MINE AND IS ADVERSLY HARMING MY CREDIT REPORT I HAVE REQUESTED AS YOU CAN SEE IN MY CERTIFIED LETTER TO THEM DEMANDING PROOF OF A SIGNED CONTRACT WITH XXXX AND ALL THEY DO IS SEND ME A STATEMENT WITH MY NAME ON IT. THEY HAVE FAILED TO PROVE THIS IS MY ACCOUNT WITH ACTUAL DOCUMENTED PROOF THIS IS MY ACCOUNT

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 2017-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
Good Day, We were in the process of a deed in lieu of foreclosure on XXXX XXXX XXXX select portfolio servicing contacted us to let us know that our first step would be a walk thru to see the condition of the property.XXXX XXXX we were given written confirmation that we could proceed after we were completely out to contact them so we could be inspected .on XXXX XXXX, XXXX i then contacted XXXX.to let them know we had vacated the property they the replied oh we are so sorry we sent that document out prematurely and you can move back in so we can work out something there is a lien on the property after going back an forth for several months the title was cleared and we began the process again. XXXX XXXX this year we signed our closing deed in lieu at that time we were told nothing else was required from us and that the property did not have to be reinspected because it was done in XXXX XXXX so at this point we would just be notified.On XXXX XXXX i was then informed that we were denied because of a I.R.S. lien that was on the property i contacted the I.R.S. the representive said for me to contact a attorney because someone in the mortage company dropped the ball because the debt had been there since XXXX XXXX i feel we were treated unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SUNTRUST BANKS, INC.
State: OR

Complaint narrative:
I have loans totaling apps {$40000.00} from XXXX. I ca n't verify this amount. The bill is currently near {$80000.00}. The loan was consolidated with my husbands who borrowed much more than I, died in XXXX. They forgave his debt but from what I can discover, I still owe more than he ever did. They will not verify anything with me or tell me how they come up with the math that seems very unfair. I am currently in low income deferment but would appreciate clarification on the numbers. 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