vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: TX

Complaint narrative:
Midland Mortgage has taken so much from many consumers and should not be allowed to get away with THIS!!! THEY ARE THE WORST!! In 2019 I became very ill and we fell behind on our mortgage. We reached out to Midland Mortgage for assistance, which we now regret. Our mortgage contract was sold to Midland Mortgage from XXXX. The only option we were offered was a loan modification. We were placed on a " 3 month trial period '' where they lowered our payment by {$300.00}. This just didnt seem right and was very misleading. They had instructed and promised that this would not be reported to the credit bureau as it was during the trial period and considered as forbearance. We paid as we were asked for the 3 months. After the 3 month trial period we were sent more paper work to sign, I was physically ill and just needed help with catching up on our mortgage. Well, we decided to sale in XXXX of this year, and finding out there is a 2nd lean on the home-HUD. This was overwhelming!! I have never cried so much in my life, feeling we were taken advantage of. I reached out to Midland and HUD and was given the run around regarding how they determine the amount owed to the 2nd lean. The balance we owed to HUD was like a 2nd mortgage over {$90000.00} not counting the {$230000.00} owed to Midland. We continued forward and sold our home but, had to come to the table with a closing cost of {$18000.00}. I had to borrow money from my retirement account so that we could close on the home. We just wanted from under this horrible company. To add insult to injury, we just found out they reported us being 120 days late on our mortgage. Our score dropped about 50 points and has affected us horribly. ALL THIS going on and being sickened with COVID!! We are very disappointed with this company and will not recommend them to anyone. Please put a stop to this company they should not get away with what is taking place. A TOTAL RIP OFF!!!

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 2020-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC
State: AL

Complaint narrative:
This company has filed a civil suit during a global pandemic. I was unaware of any legal actions until receiving a letter in the mail from a family member. the papers were electronically filed. According to the letter a judgement was ruled against me, without notice. My family members have been contacted and threatened that actions may be taken on them to leverage a response from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: FL

Complaint narrative:
On XXXX XXXX, I contacted Hunter Warfield regarding alleged debt of {$380.00}. I wanted to take care of the alleged debt because item was affecting my credit score because its hurting my chances to buy my XXXX XXXX. I paid the alleged debt in full and have receipt to prove it which will be attached to this complaint. The customer service rep stated that once I paid alleged debt in full that they were going to fully remove negative information off my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28 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: IN

Complaint narrative:
This has been an on going issue with this account. Not only have I not given written consent for this account to be furnished, It is inaccurate. XXXX  has already recognized the issue and has removed it from my report. This has caused me stress and has shown a bad representation of me as the consumer.

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 2020-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
On XX/XX/2020 I paid this debt in full with a written statement from collection agency stating that they would remove the account from my credit report. Here we are 8 weeks later and they placed the account that has been paid for back on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have XXXX account which i didn't authorized on my account with equifax, most of the company which appears on my credit report more than once that i didn't recognize or apply for credit with theses companies. I tried to contact the company and file a disputed with equifax never receive any responds nor answer. Also with XXXX  i have 20 dep/XXXX  which have been discharge with a XXXX  balance plus 7 other account which wasn't authorize without my consent i file a dispute to remove those items but have been unsuccessfully or no results. i need these account to be investigate fully so i can see a change on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
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 non-monetary relief
Consumer complaint received 2020-10-28 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: IL

Complaint narrative:
I mailed credit Didpute to Experian vis certified mail on XXXX and received notification that my disputes were received by Experian on XXXX, yet Experian never opened disputes or properly investigated the unverified and inaccurate items in question. Experian must delete inaccurate info if they are not able to validate. This has been ongoing problem since last year. Experian is refusing to remove incorrect reporting or proving that information has been properly investigated and validated per FCRA

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 2020-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There is a freeze on my credit report, for all five credit bureaus the following bureaus are listed : XXXX, XXXX XXXX, Transunion, XXXX, and 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 2020-10-28 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There is a freeze on my credit report, for all five credit bureaus the following bureaus are listed : XXXX, XXXX XXXX, XXXX, XXXX, and Experian

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 2020-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This has been an on going issue with this account. Not only have I not given written consent for this account to be furnished, It is inaccurate. XXXX  has already recognized the issue and has removed it from my report. This has caused me stress and has shown a bad representation of me as the consumer.

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 2020-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
bank closed acct per my letter of 6 weeks ago. can not sign on and can not call. Wait times are horrific. never received the funds in acct up to today. have written 2 letters to close and send funds

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
REQUEST FOR XXXX XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
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 2020-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
This company has filed a civil suit during a global pandemic. I was unaware of any legal actions until receiving a letter in the mail from a family member. the papers were electronically filed. According to the letter a judgement was ruled against me, without notice. My family members have been contacted and threatened that actions may be taken on them to leverage a response from me.

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 2020-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC

Complaint narrative:
I live within XXXX. Yesterday ( XX/XX/XXXX ) I received a letter dated XX/XX/XXXX from the mortgage servicing company saying I had recently missed a mortgage payment. The letter also stated that I needed to reply by XX/XX/XXXX - which had passed by the time I received it. 

My bank records here in XXXX show that I have transferred each monthly mortgage payment via internet transfer, using bank transfer details provided by the mortgage company in XXXX. 

However, the Monthly Statements - along with various other correspondence - appear to be sent via surface mail taking months to arrive. For example the last Monthly Statement I have received, for statement date XX/XX/XXXX, was received by me on XX/XX/XXXX. I have not received monthly statements for XXXX, XXXX or XXXX although I have made payments for each of these months. ( There is unfortunately one monthly payment which may have contained an incorrect amount in error - the unadjusted amount for this year instead of the newly adjusted amount for this year. ) With the delay in receiving correspondence, I now find that I don't have a clear picture of the state of my account ( as I'm unaware of what late payment fees may have been applied to the account ), and that I may be forced into foreclosure.

I have been unable to log onto the website for the mortgage company, nor make contact via phone. However I have sent an email yesterday, and am awaiting a response.

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 2020-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
nothing ' constant recorded messages to call company but will not put me through to any authoritative dept or person

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 2020-10-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NEW CITY FUNDING CORP.
State: NY

Complaint narrative:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even st
ricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: NV

Complaint narrative:
These are not my accounts. I have sent you a utility bill showing my correct address. I am not a credit repair company nor am I a mortgage company. Please remove these accounts.

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 2020-10-28 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: NV

Complaint narrative:
These are not my accounts. I have sent you a utility bill showing my correct address. I am not a credit repair company nor am I a mortgage company. Please remove these accounts.

Company response to consumer: Closed with explanation