vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
I have been having an issue with my mortgage company freedom mortgage since XX/XX/XXXX. I filed for divorce in XXXX and at that time I was unable to pay some mortgage payments. I have tried to gain a modification through freedom mortgage and complied with all of their requests. As of now they have granted me a trial. Which I have been paying for the past six months they also told me in writing that I would be the successor of the loan. I am finding out that they no longer are willing to allow me to be the successor of the loan and want my ex-husband to still be responsible. I am willing to make payments in order to keep my home for myself and my XXXX small children I have been treated unfairly and have been fighting for my home since XXXX this has been a great struggle and I am finding that freedom mortgage is not willing to allow me to keep my home even through all of the efforts that I have made. I have fully complied with everything they requested ... they have given me false information they have lost a certified bank check that was made during this trial period and now they are taking back things that have been in writing. I am desperate for help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX, XXXX XXXX and Experian are currently reporting incorrect information on my credit reort which is the direct result of fraudulent activity. I have advised them of this fact, submitted my ID Theft Affidavit and asked them to provide the source and evidence of the reporting. Not only have they failed to provide source date for the reporting but also continue to report the information in spite of no evidence for doing so.

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 2020-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
Received the following email from American Express on XX/XX/XXXX claiming they will essentially give me {$2500.00} Statement Credit ( basically cash ) if I do a refinance through XXXX  which doesn't seem to even be affiliated with American Express. My concern/complaint is why just this particular mortgage lender and why is American Express steering me to use just XXXX XXXX   XXXX? To me it's seem unfair that as a long time card holder I can't choose who I want and still get this statement credit especially when there seems to be no company affiliation between the 2 companies. See below email content received on XX/XX/XXXX. 



****, an exclusive {$2500.00} Statement Credit offer from XXXX   available inside. 
Inbox x American Express    Unsubscribe XX/XX/XXXX, XXXX XXXX  ( 2 days ago ) to me Manage Email Preferences AMERICAN EXPRESS Don't live life without it Account ending : ********* Member since : XXXX American Express Platinum Card Hello , ********** Log in Display images to show real-time content As a valued Card Member since XXXX, we expect you to count on us through lifes biggest moments. From that new couch to that room with the perfect view, investing in your home should feel simple and rewarding. Thats why we want you to be among the first to know about an exclusive offer from XXXX to help make the homebuying process more convenient for you. 

Exclusive offer for eligible American Express Card Members provided by XXXX. Apply by XX/XX/XXXX, to unlock this offer : {$2500.00} Statement Credit Get a {$2500.00} American Express statement credit when you purchase or refinance your home with XXXX. Must close your mortgage by XX/XX/XXXX, to receive the credit. * Free Appraisal with XXXX XXXX Enjoy free appraisal, a {$550.00} value. Plus, XXXX will rush your appraisal at no additional cost so that you have peace of mind. * Dedicated Concierge Access to a Better Dedicated Concierge that is available to support you from start to close. * When you buy a home or refinance with XXXX, youll also have access to their suite of benefits, such as : Competitive Pricing Get a competitive, low and transparent rate. 


No Fees for Originating your Mortgage Pay no fees for application, origination, underwriting, or commission. Other fees will apply. 


Computer monitor and mobile device icon A Digital Experience Apply through a digital process. 


Get Offer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have a checking account with Bank Of America I deposited a check on New years day at the atm. The bank is holding the check and giving zero funds availabilty for 11 days even thought hey have received the funds on the first day. I spoke to the operations manager in person at the bofa branch to request the minimum funds availability of XXXX on the first day after deposit and she would not release funds until 11 days have passed. Meanwhile they have my XXXX and I can not pay my car payment on time without being charged overdraft fees. It is unfair for bank of america to withhold my funds for 11 days. I suspect they are using this money in a pool of funds to earn interest at my expense. I consider this lack of regard for small account holder to be a breech of trust and therefore my only recourse is to close my account at bank of america and deny them my business of 10 years of fees. I would fine them in a class action as I know this practice is common and widespread.

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 2020-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE ACCOUNTS BEING DISPUTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS ARE REPORTING INACCURATELY AND I WOULD LIKE TO HAVE THEM REMOVED OFF MY CREDIT. I HAVE BEEN FIGHTING FOR THOSE INACCURATE AND DEROGATORY ACCOUNTS TO BE OFF MY CREDIT FILE. THEY HAVE CAUSED SERIOUS DAMAGE AND IT HAS NOW BEEN HARD TO ACQUIRE NEW CREDIT DUE TO THE DEROGATORY ACCOUNTS STILL REPORTING. PLEASE INVESTIGATE THOSE ACCOUNTS AND HAVE THEM OFF MY CREDIT FILE FOR I AM NOT LIABLE TO THEM.

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 2020-01-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
On my last payment due on the loan I calculated the final interest and sent the payment in on time, knowing I would still have to pay the recording fee and closing fee but I didn't the funds for such at the time. The mortgage company acknowledged they received my payment on time and that it was the correct amount to bring the balance to XXXX ( I  also have the receipt ) but they did not apply the funds so a balance continues to remain. 
On this " balance '' they allowed to remain, they have applied late payment fees and allowed interest to accrue and are now insisting I pay those fees and interest before they'll let me pay the closing fee and recording fee. I have had repeated telephone calls with them telling them I'll pay the closing fee and recording fee if they'll waive or remove the late fees and interest and not only do they refuse, they've told me they don't care if I file a complaint and they'll continue to send in negative reports to the credit bureaus.

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 2020-01-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Freedom Mortgage Loan officer XXXX XXXX NMLS ID XXXX sent me a closing disclosure on XX/XX/2019 that only included a VA funding fee of XXXX and assured me multiple times that this was the only closing cost. Upon closing on the loan on XX/XX/2019 the closing costs had ballooned to include the entire previous years escrow amount as well even though taxes were already paid. Reached out to loan officer and never got a response. Made mistake known to closing company who reached out to XXXX County and requested the check be sent back. Upon receiving the check from the county the closing company reached out go Freedom Mortgage to see if they could mail me the check directlt. Freedom Mortgage said no, to mail the check to them. Upon Freedom receiving the check, I called to have an ESCROW analysis performed as I was told by their representatives to do. After waiting 2 weeks for the analysis to be performed and calling back I was told the ESCROW department would not perform the analysis until it was regularly scheduled for the loan. Asked to speak to a supervisor who told me that as this was a new loan from the refinance, closing costs must include a years worth of ESCROW. This is in direct contradiction to what I have in writing on the closing disclosure. Also was told an ESCROW analysis could not be performed until after 45 days of receiving the first loan payment by law. At this point I asked to speak to and left a message for XXXX XXXX supervisor explaining what happened amd requesting a call back. I receive contradicting information every time I call and speak to someone different. I have had a history of other financials issues with this company but those seemed more like mistakes. This seems more like I'm being given the runaround so that they can financially benefit with me paying interest on money that should have never been taken out of the loan per what i have in writing.

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 2020-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I turned my car in to the bank in XXXX. They still charged me late fees in XXXX all the way to XXXX. They had my account open for 5 years charging me late fees and no pays for 5 years after I turned the car in. I self repoed this car 8 years ago and it will stay on credit for 13 years because they let it stay on the credit report for 5 extra years

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 2020-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It's not my accounts, I never applied for it. I didn't sign any contracts with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo was sued for creating fraudulent accounts. They refuse to remove the collection loan accounts that were ALREADY found as fraud and removed. They then created new account numbers and placed this back on both my credit report and the co-signers.

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 2020-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ACCOUNTS BEING DISPUTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS ARE REPORTING INACCURATELY AND I WOULD LIKE TO HAVE THEM REMOVED OFF MY CREDIT. I HAVE BEEN FIGHTING FOR THOSE INACCURATE AND DEROGATORY ACCOUNTS TO BE OFF MY CREDIT FILE. THEY HAVE CAUSED SERIOUS DAMAGE AND IT HAS NOW BEEN HARD TO ACQUIRE NEW CREDIT DUE TO THE DEROGATORY ACCOUNTS STILL REPORTING. PLEASE INVESTIGATE THOSE ACCOUNTS AND HAVE THEM OFF MY CREDIT FILE FOR I AM NOT LIABLE TO THEM.

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 2020-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I'm a XXXX year old XXXX Veteran. Sometimes I forget things. I forgot to pay my Barclay 's of Delaware credit card on the due date. I paid well over the minimum due however it was three days late. I called them and they removed the {$39.00} late fee. A few day later I got an email from XXXX  indicating that my FICO score had dropped 90 points. It seems Barclays, reported my payment 30 days late twice. I always pay my debts on time except for this lapse. I contacted their customer service department twice through email with no response. I spoke with one of their agents who told me I would be required to send letters to all credit reporting agencies. This is ridiculous, it is their mistake.

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 2020-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
I am currently trying to open a credit line on my property with XXXX  XXXX XXXX. I paid Off my mortgage XX/XX/2019 with Arvest Central Mortgage. I am locked in the process with XXXX  XXXX XXXX because there is a A issue with the title. I seems Arvest took over the loan from XXXX XXXX XXXX XXXX and they have never released their lien. This is causing me Financial hardship since this credit line is to pay for probate for my father estate in XXXX XXXX. I have paid this loan off over four months ago and feel this is unacceptable to not have clear title by now. I have called .and been given the wrong forms from Arvest and currently been waiting for a week for a call back while they do their research. How can a company not have their documentation in order and release my title in a timely manner? This has to be illegal at the very least unethical either way it is costing me time and money while I wait.. I am sure this is just a larger issue waiting to appear once those loans come do they obviously do not have their documentation in order FRom XXXX  XXXX XXXX The document you sent in is an assignment of mortgage showing your mortgage was transferred to XXXX XXXX which was taken over by XXXX XXXX. Whoever had your mortgage at the time the mortgage balance was satisfied, would then have the release. The release would then be mailed to you and then it has to be taken down to the county and recorded. We need a copy of the recorded lien release from the bank that had your loan when it as satisfied which could possibly be like I mentioned above with XXXX XXXX. We do not have the release. Please let me know if you have any questions. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: TX

Complaint narrative:
I closed on a mortgage with CMG Financial on XX/XX/19. My first payment due was in XXXX. I have reached out to the loan officer who has provided no direction on how to pay this, so I reached out to the company CMG who routed me to their call center. I have spent an hour on the phone this morning getting the run around and continually being transferred and put on hold. XXXX ( employee id # XXXX XXXX gave me three options to pay ( {$2.00} to pay with " IVR '', {$9.00} to pay with him, or i could go to www.loanadministration.com to pay for free. After I went to www.loanadministration.com, I put  my loan number in and my full social security number in multiple times only to get the error " loan number not found '' i explained this to XXXX who put me on hold for another 15 minutes and came back and said the correct website was cmgmortgage.loanadministration.com. So based on the information I was given by XXXX, I put my full social into the wrong website multiple times, so now social security number is compromised. Once I finally got the correct information from XXXX I was able to painfully create an account where I was forced to accept automated calls on my cell phone just to create the online account. I then logged into my account and there is literally no option to pay for my mortgage. I tried to " live chat '' with someone from the website and even after filling out every single field I receive and error. How is this ethical or legal business behavior? It is not reasonable for a consumer to pay {$9.00} to pay their home loan when the website does not even work properly.

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 2020-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cedars Business Services, LLC
State: FL

Complaint narrative:
I am requesting assistance with collections for what I believe is a case of identity theft. 

I have contacted Cedar Business Services and they refuse to mail me the documents that make them believe that I am responsible for this debt. I have an Exceptional payment history with XXXX XXXX. Cedar Business Services reported these debts to credit reporting agencies. 

I wrote to Cedar Business Services on XXXX XX/XX/2019 : " I am responding to your contact about collecting a debt. You contacted me by mail on XX/XX/2019 and identified the debt as XXXX XXXX Creditor. I do not have any responsibility for the debt you're trying to collect. 

If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MN

Complaint narrative:
Car Hop Loan. I had to return the vehicle I was making payments on because it was a lemon. It was in the shop with repairs 2 out of the 3 months I had it. So i returned it and was paid up on my payments. I was not offered another vehicle or any compensation for not having any transportation. I was not told I owed anything. I did not recieve any further communications from them at all. Now I am seeing a public record of a settlement on 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 2020-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XX/XX/2019 - Hard Inquiry from XXXX XXXX XXXX XXXX , XXXX XX/XX/2019 - I discovered the inquiry on my credit report. This was unauthorized as I do not hold any accounts or services with XXXX  XXXX XXXX, neither past nor presently. I viewed many forums ( mostly on XXXX  XXXX XXXX XXXX website ) and confirmed that this is a widespread issue with many other non-customers receiving unauthorized/fraudulent inquiries from this company. Please note in all of these cases, the company would not attend their issue and redirected individuals to the Credit Bureau ( even to those who stated they had already done this ). XX/XX/2019 - I called XXXX  XXXX XXXX XXXX , XXXX. The XXXX  XXXX XXXX representative could not locate any information on this inquiry and instructed me to contact the Credit Bureau. XX/XX/2019 - I submitted a dispute with Equifax regarding this inquiry, stating it was Unauthorized. XX/XX/2019 - Investigation completed. The results are : Inquiries are a factual record of file access. 

There is no way for me to further dispute this as Equifax refers me back to XXXX  XXXX XXXX, and XXXX  XXXX XXXX refers me back to Equifax. Neither party is willing to resolve this matter which has left me ( and many others ) in an endless loop.

Company response to consumer: Closed with explanation