vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: OR

Complaint narrative:
On XX/XX/XXXX I made my first payment on our new mortgage with Freedom Mortgage - I wanted to setup recurring semi-monthly payments ( offered on their website - mobile and desktop version ). So, I had to make another payment to be ahead enough for payments to work. So on XX/XX/XXXX I made another and have been trying ever since to setup recurring payments that will be draw on the XXXX and XXXX of every month beginning on XX/XX/XXXX. 

Every time that I've tried to set this up I've gotten an error message that says " Were not able to access your loan information at this time '' on their website and nobody at the customer service help line seems to know what the issue is. First I was told it was simply because I was trying to do this on my phone, through their mobile-friendly website. Then, when I borrowed a laptop I was told it was because I was using XXXX XXXX - listed as an approved internet browser on their website. 

Next I was told that there may be an issue with my account but I'd need to fill out a form to have it looked into. I've done everything that I was told I needed to do to make this mortgage payment process simple and seamless with automatic, split semi-monthly payments but nobody at Freedom seems to know what is going on or how to fix it. 

Most of the customer service representatives have sounded very nice but are so scripted in what to say that once the conversation doesn't go where their script says they become nervous and uneasy about what to say. I'm worried that my complaints don't seem to go where they need to go with this Servicer.

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 2018-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I opened an account with XXXX XXXX ( XXXX XXXX ) in XX/XX/XXXX. However, I never received a bill and unfortunately forgot about the account until I discovered it on my credit report in XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX XXXX and explained the problem. They accepted payment for {$190.00} which was the original amount plus interest ( waived the late fees ) and told me that he account would be reported as closed and paid. My next credit report showed that I was still in " charge-off '' status in the amount of {$440.00} ( full amount plus interest plus late fees ) AND I now had an additional current balance of {$250.00} ( amount of the late fees ). I asked for a letter stating that the account was paid and closed. I will attach the letter they sent me. I have been unable to remove the " charge-off '' status or the " current '' balance of {$250.00}. The original charge was {$150.00}.

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 2018-11-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I opened an account with XXXX XXXX ( XXXX XXXX ) in XX/XX/XXXX. However, I never received a bill and unfortunately forgot about the account until I discovered it on my credit report in XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX XXXX  and explained the problem. They accepted payment for {$190.00} which was the original amount plus interest ( waived the late fees ) and told me that he account would be reported as closed and paid. My next credit report showed that I was still in " charge-off '' status in the amount of {$440.00} ( full amount plus interest plus late fees ) AND I now had an additional current balance of {$250.00} ( amount of the late fees ). I asked for a letter stating that the account was paid and closed. I will attach the letter they sent me. I have been unable to remove the " charge-off '' status or the " current '' balance of {$250.00}. The original charge was {$150.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I opened an account with XXXX XXXX ( XXXX XXXX ) in XX/XX/XXXX. However, I never received a bill and unfortunately forgot about the account until I discovered it on my credit report in XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX XXXX  and explained the problem. They accepted payment for {$190.00} which was the original amount plus interest ( waived the late fees ) and told me that he account would be reported as closed and paid. My next credit report showed that I was still in " charge-off '' status in the amount of {$440.00} ( full amount plus interest plus late fees ) AND I now had an additional current balance of {$250.00} ( amount of the late fees ). I asked for a letter stating that the account was paid and closed. I will attach the letter they sent me. I have been unable to remove the " charge-off '' status or the " current '' balance of {$250.00}. The original charge was {$150.00}.

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 2018-11-12 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: GA

Complaint narrative:
I was writing to inform you that there are still items are my credit report that are not mine. Please have these items removed from my credit report immediately as they are not mine. I have already contacted my local police and the FTC. Bankruptcy : Discharged CH-XXXX, XXXX,. XXXX 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 2018-11-12 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: GA

Complaint narrative:
I was writing to inform you that there are still items are my credit report that are not mine. Please have these items removed from my credit report immediately as they are not mine. I have already contacted my local police and the FTC. Bankruptcy : Discharged CH-XXXX, XXXX,. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 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: MOHELA
State: GA

Complaint narrative:
Mohela Department of education Opened XX/XX/15 Amounts. {$2300.00} Sent letter explaining that I never took this loan, someone has my identity information. 

XX/XX/15 Amounts. {$1200.00} XX/XX/2015 Amounts. {$2500.00} XX/XX/2015 Amounts. {$3800.00} Sent letters and made phone calls explaining. I never took out a student loan. This is affecting my credit and my score. Please find the person that is doing this. I am still getting bills and collection from Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
This is a parent plus loan. School closed navient serviced the loan i paid 19 months on the loan. XXXX College closed 2 months after my daughter start. Filed a dispute it was determined the school ive mailed all the neccessary documents required. Stilling getting the run around. There is a refund involved. I have fax certifcated mail return items still no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: CORELOGIC INC
State: VA

Complaint narrative:
Me and my husband had applied rent for XXXX XXXX XXXXt but they denied our credit approval showing the reason that there is third person involved in my credit report but later on when I received my consumer file report from the core logic safe rent there is no any other person involved in other words everything looks fine. So now when I asked them about that they said that status should be updated before we proceed. 
Now I did not understand how that third person shows in my report before and why I did not see that third person on my consumer file report. Is that the different things? As my consumer file report looks fine when can I get rid out of this issue?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
This is a follow up to Complaint Number XXXX. Providing additional attachments to further substantiate my compliant.

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 2018-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
National Credit Adjusters Credit report indicates date of XX/XX/2012 I am requesting validation, made pursuant to the Fair Debt Collection Practice Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX  ) from your company or any company that you represent, for the debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello. I looked into my credit report around XX/XX/18. I saw that my credit report had a XXXX credit card. I never signed up for one. So I disputed it on XXXX. They said that it was accurate. I called the home depot and they said that there is a credit card with my social sercurity number on it but they can not discuss it with me since my name isnt on the card. I disputed it again with XXXX and they are still saying that it is accurate. The has good history but its XXXX dollars limit. I would like to have the card removed from my report. ASAP.

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 2018-11-12 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: World Omni Financial Corp.
State: FL

Complaint narrative:
You have the wrong address being reported to all 3 credit reportimg agencies. My only address is XXXX XXXX XXXX XXXX XXXX, FL XXXX. The XXXX XXXX address belongs to XXXX XXXX Banks Also as show of goodwill I would like all 4 late payments removed as payments are now being made on time. I would like to purchase a house and tgis is hurting my credit. Please remove all 4 late payments as follows : 30-59 days-January XXXX and XX/XX/XXXX 60-89 days- XXXX and XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 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: CA

Complaint narrative:
Hello. I looked into my credit report around XX/XX/18. I saw that my credit report had a XXXX credit card. I never signed up for one. So I disputed it on experian. They said that it was accurate. I called the XXXX XXXX and they said that there is a credit card with my social sercurity number on it but they can not discuss it with me since my name isnt on the card. I disputed it again with Experian and they are still saying that it is accurate. The has good history but its XXXX dollars limit. I would like to have the card removed from my report. ASAP.

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 2018-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: LTD Financial Services, L.P.
State: TX

Complaint narrative:
Continuously receiving calls from debt collector. Presumably LTD Financial. Not sure because I will not give any personal info over the phone and they can not discuss unless I verify personal info. I have repeatedly asked them to STOP calling me and send written correspondence only. I have blocked every number they call from, they just call from a different number. I also stated I am on the Do Not Call Registry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
You have the wrong address being reported to all 3 credit reportimg agencies. My only address is XXXX XXXX XXXX XXXX XXXX, FL XXXX. The XXXX XXXX address belongs to XXXX XXXX XXXX   Also as show of goodwill I would like all 4 late payments removed as payments are now being made on time. I would like to purchase a house and tgis is hurting my credit. Please remove all 4 late payments as follows : 30-59 days-XX/XX/XXXX and XX/XX/XXXX 60-89 days- XXXX and XX/XX/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 2018-11-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
You have the wrong address being reported to all 3 credit reportimg agencies. My only address is XXXX XXXX XXXX XXXX XXXX, FL XXXX. The XXXX XXXX address belongs to XXXX XXXX XXXX   Also as show of goodwill I would like all 4 late payments removed as payments are now being made on time. I would like to purchase a house and tgis is hurting my credit. Please remove all 4 late payments as follows : 30-59 days-XX/XX/XXXX and XX/XX/XXXX 60-89 days- XXXX and XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
You have the wrong address being reported to all 3 credit reportimg agencies. My only address is XXXX XXXX XXXX XXXX XXXX, FL XXXX. The XXXX XXXX address belongs to XXXX XXXX XXXX   Also as show of goodwill I would like all 4 late payments removed as payments are now being made on time. I would like to purchase a house and tgis is hurting my credit. Please remove all 4 late payments as follows : 30-59 days-XX/XX/XXXX and XX/XX/XXXX 60-89 days- XXXX and XX/XX/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 2018-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please take a moment to review my complaint. I received a report from XXXX XXXX reference to my credit score this past week which showed a severe plunge on my credit score.. Transunion reflected a drop of ( 30 points ) from XXXX to XXXX  and XXXX reflected a dorp of ( 13 points ) from XXXX  to XXXX. This is totally unacceptable!!!! The credit bureau agencies reported that it was due to a XXXX credit card which ends in XXXX, that allegedly dropped the limits from {$300000.00} to {$30000.00}, so it negatively showed higher utilization which in fact is erroneous. My credit limit for this XXXX  credit card ending in XXXX, has been at {$30000.00} for over a year or even longer.. I truly don't understand how all of a sudden, there is such a drastic and significant drop in credit score considering that nothing has changed not even my credit limit or utilization, etc.. My score has always been very high. As you can see, I take pride in how I've always paid and handled my credit, therefore, I ask that you please assist me in resolving this issue with all three credit bureau companies,, Transunion, XXXX and XXXX, so that my credit score can be restored back to how it always was. Upon review of my complaint, I ask that you please contact me at your earliest convenience. 
My name is XXXX XXXX XXXX, my phone number XXXX and my email address is XXXX. 
Thank you so much, I remain.

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 2018-11-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Risecredit, LLC
State: MS

Complaint narrative:
XX/XX/2018 I applied for a {$2500.00} loan and I put in my bank account info, .because that account was where I wanted to funds to go. The problem is I have 3 bank accounts. 
It was unclear when applying what the bank verification was trying to attempt. 
The verification was to see my deposits and transactions so I was declined because the account I used for the application is where I deposit checks i get in the mail ect. 
My income check auto deposits to a Credit Union in a different state than where I live. 
I wanted to deposit in an account where I could withdraw without paying fees My intent was to use the money for some small home repairs completed, some folks prefer to be paid in cash, That was my thinking. 

When I called to try to redo the bank info to point to the account where my income is deposited I was told I could re-apply in 45 days. That doesn't help. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX Credit report indicates date of XX/XX/2012 I am requesting validation, made pursuant to the Fair Debt Collection Practice Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for the debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a identity theft report on file with Equifax, I followed the procedures for reporting fraudulent accounts on my credit report and Equifax refuses to comply with the FCRA law regarding to the reporting of ID theft by a consumer. I was not given notification that my report was received and being investigated AFTER the original 4 days that Equifax has to block information from my credit report. I was not given a clear reason as to why Equifax refuses to remove, block or delete these items, I am consistently told that its proprietary information and I am not privy to the information. These items are not mine and Equifax 's refusal to remove these from my credit report is hurting me financially, and is causing me to suffer by not being able to obtain credit that i rightfully deserve.

Company response to consumer: Closed with explanation