vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: UT

Complaint narrative:
My mortgage was held by XXXX from XX/XX/XXXX until earlier this year when it was sold to Freedom Mortgage ( hereafter referred to as FM ). At the time of this transition, I received correspondence from FM confirming payments would continue through the equity accelerator program ( see attached correspondence ). I also called FM to be sure my payments have been received from XXXX. 

Within two months of FM taking over my mortgage, I began receiving letters from FM declaring I was delinquent on my account. I called FM and was told FM had received all of the payments from XXXX and there was no problem ; however, I continued to receive letters declaring I was delinquent on my account - AND YET WITHDRAWLS WERE BEING MADE AS THEY ALWAYS HAVE BEEN ( see attached statement from my Bank ). 
NOW, Im receiving letters from FM threatening foreclosure and my excellent FICO Score has been negatively impacted! 
I was finally able to reach XXXX XXXX and have ordered them to stop withdrawing payments from my bank account. Beginning with my XX/XX/XXXX payment, I will send my mortgage payments directly to FM. 
I have called FM repeatedly to rectify this situation to no avail and am now contacting the XXXX and credit 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 2018-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: PA

Complaint narrative:
Sent a letter to Penn Credit 35 days asking for information about this debt. Didn't receive anything back. Reached out to Penn Credit XX/XX/2018. Asking for them to respond to my letter. XXXX, stated they no longer have this debt and i would need to reach out to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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: CA

Complaint narrative:
ID THEFT NOT RESOLVED Source XXXX XXXX Date XX/XX/2018 Balance Date XX/XX/2018 Balance Amount {$51000.00} Open Date XX/XX/2018 Status Date XX/XX/2018 Name XXXX XXXX XXXX XXXX XXXX 
Phone ( XXXX ) XXXX XXXX Address XXXX XXXX XXXX City XXXX State XXXX Zip 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 2018-10-12 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: CA

Complaint narrative:
ID THEFT NOT RESOLVED Source XXXX XXXX Date XX/XX/2018 Balance Date XX/XX/2018 Balance Amount {$51000.00} Open Date XX/XX/2018 Status Date XX/XX/2018 Name XXXX XXXX XXXX XXXX . 
Phone ( XXXX ) XXXX XXXX Address XXXX XXXX XXXX City XXXX State XXXX Zip XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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: CA

Complaint narrative:
I have disputed a few items on my credit report however it keeps coming back as verified. XXXX XXXX XXXX Also a lot or inquires In may i spoke to a police officer they gave me a police report I called all 3 beaus with the report number. I was told it would take 5 bus days its now XX/XX/XXXX.. the bearus said that it came back verified. not that they verifed what was " verifed '' on top of that i have a enormous amount of inquires that are still there. The Poeple just keep running my credit over and over ..it was so bad they transposed my soc sec giving a me joint file for a long time and no one know Ive now submitted my police report to you guys

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have received multiple phone calls from different numbers almost daily several times a day. Sometimes back to back with messages being left saying that they have filed to have any and all of my bank accounts seized and do not ignore their phone calls. Call them back immediately as a decision must be made or else further legal action will be taken against me. Sometimes they call saying they are calling on behalf of XXXX XXXX but leave very long detailed messages on my voicemail which is not proper nor is it lawful. They call me from various numbers like ( XXXX ) XXXX and tell me to call back XXXX they also call from ( XXXX ) XXXX, ( XXXX ) XXXX. They have also blocked their number on several occasions as well and left the same detailed message on my voicemail as well. They never say where they are calling from and just immediately begin to go into full detail about what ; s going to happen to me if I don't call them back. I have blocked several numbers but they will either call from a different number or block the number and call. They also call me all day long on Saturday Sunday from XXXX to almost XXXX XXXX XXXX XXXX. It is very frustrating and I know my rights. I wants this calls to stop immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-12 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: Waypoint Resource Group, LLC
State: AL

Complaint narrative:
My wife saw this account re-added to her credit report and I looked and it is on mine too!! I have no knowledge of this account or what I would even have XXXX for ... I also filed bankruptcy for removal of all debts so I know I have not had this account. 

You have helped me in the past and hate I have to ask you again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One Bank sold my account to XXXX XXXX XXXX, which refused to provided documents to provide accounting details on these accounts. 
XXXX XXXX XXXX has reported these accounts to my credit report and is causing great financial losses. 

It has been beyond the 30 days required by state and federal law that requires both companies, Capital One or XXXX XXXX XXXX have been able to provide document on how they have calculated the amount owe or what amount they sold my accounts for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc.
State: FL

Complaint narrative:
On XX/XX/2018 a company called XXXX XXXX XXXX XXXX XXXX, as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Upon researching about said trust on the SEC site I came across a Cease and decease order against the Trust. I hired an attorney and I am defending myself. 
However last week I was notified by the servicer that there is a new owner of my loan. So while I am being foreclosed by one company my loan supposedly is owned by another company XXXX XXXX. On my phone conversation with the person in charge of said company, XXXX XXXX XXXX, I was threatened with the following : I am going to come after you, your lawyer is a liar, etc. But most importantly, this company is refusing to pay the remaining insurance claim that the insurance company remitted to them already and the roof of my home is being repaired. Servicers cant withhold insurance claims proceedings. Please I need your help. It is urgent.

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 2018-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The original contract said I would not be charged interest for six months, but they charged me all along. Then, when I closed the account the charged me a lump sum of interest over XXXX dollars. The interest charge was only suppose to be at 14 % apr. but its 24 %. I have complained to the company but they say there is nothing they can do.

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 2018-10-12 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: OH

Complaint narrative:
I was going over my credit report because I am trying to buy a home and I seen that someone has been using my identity for accounts and utilities. I have never lived in XXXX XXXX XXXX , XXXX, TX XXXX or done business in that state. I do not recognize the inquires and companies : XXXX XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX # XXXX, XXXX XXXX # XXXX. I in the process of securing my credit files, and personal Identifiers with XXXX XXXX, XXXX XXXX, Equifax, and XXXX I had to file a complaint with the FTC as well. It is possible that someone is still using my name and information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
I am not presently working, so my wife called our mortgage servicing company ( Fay Servicing ) several weeks ago to apply for deferment until I start working. She was told the request will be forwarded to our account manager, but we did not hear from her ; therefore, on XX/XX/18 I sent her an email explaining our financial situation and stating that we need to apply for mortgage payment deferment. We have not heard from her up to this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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: NJ

Complaint narrative:
I submitted a dispute with Experian on XXXX XXXX ; concerning XXXX XXXX XXXX Account # XXXX. Status : XXXX XXXX off. I sent Experian copies of the payments that were sent to XXXX. ( The car was totaled and my insurance covered the cost of the loan and Gap insurance made up the reminder of the amount. ) On XX/XX/2018 Experian sent me the dispute results which said that it has been verified. 

On XX/XX/2018 I sent a letter to Experian asking for how they conducted their investigation into my dispute. I specifically asked what was Experian 's methods and procedures for doing this investigation and was this investigation performed independently and not just parroting what the creditor said. 


On XX/XX/2018 Experian sent me an email alert that a dispute was opened up for XXXX XXXX XXXX and the results would be finished around XX/XX/2018. 


I called Experian on XX/XX/2018 at approximately XXXX and was transferred to a dispute specialist name " XXXX XXXX who informed that XXXX XXXX investigate this dispute and notify Experian within 30 days. I said that I was expecting the results in 15 days ; I attempted to explain to XXXX that I sent the letter to Experian and specifically asked for how Experian conducted a reasonable investigation. XXXX said that XXXX would look into my dispute. 


Experian has totally disregarded my request for the method of verification.

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 2018-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Counsel, Inc.
State: FL

Complaint narrative:
In XX/XX/2016 we hired a company to do stainless steel ( the most expensive ) to avoid to get rusty or need maintanance ) railing instalation. 
pictures of rusty material : XXXX XXXX  XXXX The original amount was {$20000.00}. 
We paid {$4000.00} as you can see the attachment. So even the letters that the collection company sent are incorrect since the Balance due is {$16000.00}. 
Also the rails are not up to code and we will need to pay another company to do a new one. The problem is not only the rusty. 
Check the architect message attached : The engineer-designer needs to review these and incorporate the ADA requirements. This design does not meet the criteria required by current Florida XXXX XXXX - Accessibility and the ADA. 

The company XXXX XXXX XXXX ( rail company ) installed materials that are rusty since the day they installed and have parts broken. 

I hired a lawyer, XXXX XXXX, to contact XXXX XXXX XXXX  and inform that materials have problems and we need change everything or more payments wont be done. 
XXXX XXXX XXXX didintchange the material and hired a collection company, CREDIT COUNSEL INC by XXXX XXXX XXXX to collect the money. 

XXXX XXXX XXXX : 1 ) calls frequently even being informed to contact the lawyer XXXX XXXX XXXX.

2 ) Does repetitious phone calls that are intended to annoy, abuse, harass any person answering the phone. 4 persons have been insulted by him already.

3 ) He uses profane language 4 ) He threats and screams every time so we hang up the phone.

5 ) Sometimes he calls, start to talk without telling who is and then he starts to scream and use abusive language.

6 ) He send letters with amounts that are not the correct amount that we have to pay after all is fixed.

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 2018-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Money was deposited into my account unauthorized. It was reversed from my account per the bank representative and claims specialist. I waited 15 days to confirm if the money had been received they indicated to me they have not received a return payment from the bank. They asked for information from the bank showing proof it was returned. I called wellsfargo asking for a reference #, a transaction receipt, & or something tracking that the payment was returned. Wellsfargo denied giving me information to show proof the money was rejected & sent back to the payors. They have stolen {$1400.00} along with several other double charges on my account. Claim 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 2018-10-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH

Complaint narrative:
on XX/XX/XXXX I was called by XXXX of XXXX XXXX XXXX in XXXX oh. since I was a good client she offered me a new better loan. my ols loan would be paid in full with no XX/XX/XXXX payment due. instead they took the payment of XXXX $ out of my aact. and also charged me an overdraft of XXXX $ they finally put it back into my account. I feel the rate charged was way too high. she told me a 36 mo. loan then changed it to 42. the closing was done on the phone because she said her documents would not go to my email, no fool like an old fool.now I am stuck with a longer loan.i feel this was very deceptive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am XXXX XXXX and I lost a big account in XX/XX/2017 which made me become late on my credit card for 2 months. Since then, I have regained my company strength and have been able to pay down my credit card balance to under 10 % utilization. However, I still have those 2 late payments on my account that the credit card company does not want to forgive which is hurting my score or apply for more credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have been trying to fix errors reported to my credit report via Equifax. Since XX/XX/XXXX, I have had to submit 3 separate disputes. However, Equifax 's system refuses me access to view the complaints, yet they continue to report the very accounts I am disputing which has greatly damaged my credit. Every time I attempt to access, the results, I receive a notification stating my information does not match or that there are no results to view. This is now the second time I have had to submit a complaint through the CFPB because I am unable to access dispute results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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: OH

Complaint narrative:
I was going over my credit report because I am trying to buy a home and I seen that someone has been using my identity for accounts and utilities. I have never lived in XXXX XXXX XXXX , XXXX, TX XXXX or done business in that state. I do not recognize the inquires and companies : XXXX XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX # XXXX, XXXX XXXX # XXXX. I in the process of securing my credit files, and personal Identifiers with XXXX XXXX, Trans Union, XXXX, and XXXX  I had to file a complaint with the FTC as well. It is possible that someone is still using my name and 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 non-monetary relief
Consumer complaint received 2018-10-12 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: OH

Complaint narrative:
I was going over my credit report because I am trying to buy a home and I seen that someone has been using my identity for accounts and utilities. I have never lived in XXXX XXXX XXXX , XXXX, TX XXXX or done business in that state. I do not recognize the inquires and companies : XXXX XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX # XXXX, XXXX XXXX # XXXX. I in the process of securing my credit files, and personal Identifiers with XXXX XXXX, XXXX XXXX, XXXX, and Experian I had to file a complaint with the FTC as well. It is possible that someone is still using my name and 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 non-monetary relief
Consumer complaint received 2018-10-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Tel : ( XXXX ) XXXX Email : XXXX Consumer Financial Protection Bureau TO WHOM IT MAY CONCERN, On or about XX/XX/2018, my Bank of America Debit card Account last # XXXX was used fraudulently by a unauthorize person ( s ) to make a purchase a fraudulent transaction on XXXX for a total amount of {$970.00} ( XXXX XXXX and XXXX XXXX Dollars ). 
When I noticed that transitions I notify my bank about the charges on my account with the 60 days period. Bank of America gave me a temporary credit for the full amount pending investigation. 
On XX/XX/2018, Bank of America reverse that charges and took the money bank and place my account in negative and stating it was my responsibility to protect my account. On XX/XX/2018, I spoke with XXXX from the Claims department and she told me the same thing that is it my responsibility to protect my account and I should have known that my account was used fraudulently. 

The Fair Credit Billing Act allows credit card users to contact their credit card company within 60 days of receiving the credit card statement with the unauthorized activity. I notified Bank of America within the 60 days period that my account was used without my permission. 

I did not authorize this transaction that appeared on my account and I am a victim of identity theft. 
My XXXX account was not the account that was used to make the purchase and I did not authorized anyone to use my card to make any purchase on XXXX or any other site. 
The fair Credit Act purposes to protect consumers from unfair billing practices and to provide a mechanism for addressing billing errors in open end credit accounts such as credit cards or charge card account. A dispute was filed in a timely manner so I should not be liable for a unauthorize transaction on my account. This matter needs to be resolve immediately. 

Best regards, XXXX XXXX Banking Information Headquarters Bank of America XXXX XXXX XXXX XXXX. 
XXXX, NC 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 monetary relief
Consumer complaint received 2018-10-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Credit Central Holdings, LLC
State: TN

Complaint narrative:
Credit central calls my phone 6 times a day everyday excluding Sunday 's they have came to my home on 9 different occasions in the last 3 months

Company response to consumer: Closed with explanation