vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: UT

Complaint narrative:
CFPB XX/XX/2020 To who it may concern : I am refinancing my mortgage from Freedom mortgage to another lender. In the process my title company and mortgage broker both requested a payoff from Freedom Mortgage on XX/XX/2020. Today is XX/XX/2020 and still no payoff has been received. I talked to XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, and XXXX # XXXX XXXX Supervisor/Manager on XX/XX/2020 ) who promised a payoff Fax to the title company by close of business XX/XX/2020. Here it is XX/XX/2020, closing is supposed to happen tomorrow and still no payoff. Today I have communicated with XXXX # XXXX, XXXX # XXXX ( Supervisor ) and XXXX a Manager. My correspondence and concerns seem to be falling on deaf ears as I have received no resolve in this matter. 

Freedom Mortgage appears to have no regard for federal regulations pertaining to the time requirements for responding to a payoff request. 

Please have someone contact me in regards to follow-up action taken regarding this complaint. 

Thanks, 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 2020-04-22 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAS BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS DOES NOT BELONG TO ME AND THE INQUIRIES WERE NOT AUTHORIZED BY ME. I HAVE NO IDEA WHO WAS ABLE TO OBTAIN THESE ACCOUNTS AND INQUIRIES WITH MY INFORMATION BUT I AM CERTAIN THAT THEY DO NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT THE ACCOUNTS AND INQUIRIES ARE RE-INVESTIGATED AND REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2020-04-22 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAS BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS DOES NOT BELONG TO ME AND THE INQUIRIES WERE NOT AUTHORIZED BY ME. I HAVE NO IDEA WHO WAS ABLE TO OBTAIN THESE ACCOUNTS AND INQUIRIES WITH MY INFORMATION BUT I AM CERTAIN THAT THEY DO NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT THE ACCOUNTS AND INQUIRIES ARE RE-INVESTIGATED AND REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2020-04-22 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: CO

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I a ( 120 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to have a late reporting on an account that has a {$0.00} balance. This false reporting of a late is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2020-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I was a renter at a property at XXXX XXXX XXXX, XXXX XXXX CA XXXX. I moved out, and received a release on XX/XX/2016. I received my full deposit as well. I had called XXXX XXXX  XXXX XXXX, and canceled my account at that address. The landlord/owner claimed he had family coming and stated he would have them continue service, but of course in his name. XXXX XXXX, made an error and did NOT change the name. I was never notified by any party, and only discovered a collection for {$290.00} when I checked my credit. I talked directly with XXXX XXXX  XXXX XXXX, and they said I need to work with the owner, which is not correct since I could prove I had called to disconnect, and I also had proof of not living at that address at the time of the charges. I called the landlord/owners representative, a rental agency, and they agreed the owner would pay, as he had possession of the property. They never paid, and will not return calls at this time. I disputed with all three credit bureaus, and they did ZERO investigation, and let the collection. I.C. System, INC never sent any information to me, or request, and have inappropriately reported a collection without ANY investigation!!! Or contact!!! I have attached a letter from the owners representative, confirming, I now longer resided their, nor was I responsible for any utilities at the time this bill was referring.

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 2020-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Senex Services Corp.
State: OH

Complaint narrative:
I have tried several times until blue in the face keep telling some company called SENEX collection that I do not owe money for a XXXX debt for emergency services. here is the deal I went to XXXX XXXX for care back in XXXX for my XXXX  XXXX. I had a XXXX  on  the  job  ok workers comp finally paid the bill in XXXX. 
when I registered for care ( XXXX ) I think the months were XX/XX/XXXX? I inform XXXX that I was in pain but could not pay the bill. I had a fall submitted my workmans comp claim XX/XX/XXXX but had not receive a claim number at the time I went in for care. XXXX went on and gave treatment took WC info from then gave me another kind of form from their financial aid services to assist with the bill. 

the bill was paid through XXXX financial aid program. XXXX  gave me a form I completed the form then I had to show proper ID drivers license and social security card then I signed the form and the registration clerk told me that was all I had to do. Who is this company SENEX that continues to phone harass me through this coviv-19 crisis and is not respecting NATIONAL federal law by not even being able to be calling me at home period? here the issue, the lady that called me from SENEX told me that she is prepared to offer me a discount rate? I then told this lady from SENEX collections that why would I pay a bill that has already been paid? 
these people SENEX continues to try to extort money from me for a bill they will not go back and do the history on. The burden of proof is on senex. they keep talking about I owe them I do not! 
All senex have to do is contact XXXX XXXX XXXXinancial aid services department. which is what senex has probably done but got no info so they decided to take the quick route whereas they know there is no trace of this bill being paid through them senex ok so they decided to try to con me out of the money. I have no job right now we were all furloughed back on XXXX why now is this company wanting to try extortion not going to happen. So done with this sexex collection I want this to stop! 

please also do something about all credit bureaus not giving PROPER credit when in fact PROPER credit is due! 
if you look at my current 3 credit reports from XXXX XXXX and XXXX all 3   bureaus are tampering with my credit scores so horrible company called XXXX? Make this XXXX  whatever they are get out of the loop! XXXX  whoever  they  are  ... they need to stop toggling with my credit score ratings. 
HELLO ... THIS IS A BAD TIME TO BE HURTING PEOPLE WITH THIS CREDIT SCORE TAMPERING. I HAVE EXCELLENT ON MY REPORTS for my current 2 accounts that I have open ans is being CHEATED OUT OF A DECENT CREDIT SCORE ON ALL 3 REPORTS I DAMM WELL DESERVE MY CREDIT SCORES TO BE ALL ON THE SAME PAGE! excellent and current!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: REVERSE e MORTGAGE LLC Dba CrossPoint Funding
State: FL

Complaint narrative:
I started dealing with this Mortgage Lender Owner XXXX from Crosspoint Funding a couple of months ago. He was referred to me and we had several phone conversations in which I gave him all my pertinent information he needs to pre approve me for a mortgage. He said I should have no problem at all getting a pre approval for a mortgage and he needed all my info.. I sent him all my private personal information and waited a month. Numerous times I was asked by his assistant for info that I already sent or for more information for which I complied. There was a it of time in between these requests like a week. When I would inquire he would tell me it looks like a tough case and he may have to use someone else. He said he would speak to another lender and let me know what he thought. I received a notice from XXXX XXXX that he pulled my credit. When I showed dissatisfaction and told him I did not want my credit pulled unless he thought it was definitely going to generate a pre approval and that I told him that on numerous occasions. His reply was " I dont like where this conversation is headed ''. I told him at least 5 times throughout this process, I did not want my credit pulled unless we agreed that it looks like it is a done deal getting approved. 
I waited another month and he said he was too busy to deal with it due to the current circumstances in the country and he was swamped.I expressed my dissaisfaction once again with his communication and follow through and again expressed that this is exactly why I didnt want my credit pulled. He said I verbally agreed. I never ever verbally agreed. 
This has hindered my ability to go somewhere else as they will need to also pull my credit which in turns lowers my credit score AND shows up as too many inquiries. I am very very upset as I have bought many homes in the past and always had to sign before credit was pulled.

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 2020-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Long story short, I keep getting repeat charges for XXXX Restore balance. Everytime Capital One reports it as fraud, the merchant keeps recharging the card. Capital One keeps saying they can not block individaul merchants. This is the 7th time this merchant has been reported as fraud. XXXX  ( XXXX? ) does not have a phone number to report this problem too. This charge is a recurring subscription. I do not use XXXX or XXXX-based products. I keep getting new cards shipped out. I am so frustrated. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22 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: NY

Complaint narrative:
On XX/XX/XXXX I was working from home and my email was compromised and i received my first suspicious email at XXXX XXXX, i received an alert that someone named XXXX, XXXX was added to my XXXX account as a recipient through my Bank of America. I do not know who she is and how they got my information. Then i got two more emails saying that a verification code was sent to my email and two verification code text messages sent to my phone. Then my debit card automatically got locked and then unlocked. Then the person transfer {$1400.00} to the recipient 's account at XXXX. All this was happening and i couldn't do anything. So i called the bank and filed a fraud claim and they said to wait 10 days. Today is the 10th day and they told me that my claim was denied because all this happened from my own device, a cell phone and the computer from the same IP address. They said they are only reconsidering to help me with the claim if i could get a letter to prove that my phone and computer was compromised from the scan by the XXXX forensic. However the computer forensic scan cost more than the money the theft took and i don't know what to do. I am going to file a police report as i thought the bank would help me but they aren't. I have been banking with them for 5 years and they didn't trust me and my only option was to have my phone/computer scan which will cost more than the money i lost ...

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 2020-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Quicken told me I was going to get my remained funds from my old escrow account ( {$1900.00} ) after refinancing with them. After we closed the refinance I received a statement saying I would only be getting {$150.00} and they netted my funds into the loan. I NEVER TOLD THEM THAT WAS OK AND I WAS NEVER ASKED IF THAT WAS WHAT I WANTED. They use deception to give you low numbers throughout the loan and constantly change what they say. I had multiple occasions of issues with them and they constantly shoved me to different people that handle complaints but no one that can resolve anything. They simply just say how they are sorry and that they take this matter seriously, and when you ask for resolution they tell you how they are going to have someone higher up contact you. Then that person contact you and they have no idea what the situation is about so you have to re-explain everything again, its like they are trying to wear you out so you just end up letting the complaint go.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
On or around XX/XX/XXXX Id purchased a vehicle via Mercedes-Benz Financial and they have been reporting my payments to all three ( 3 ) credit bureaus up until XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( XXXX ). In addition to my complaint, this car was paid in full on or around XX/XX/XXXX via a letter Mercedes-Benz Finance themselves. 

Spoke with a rep at the company and they informed me that they havent been reporting to the bureaus due to this pandemic of the Coronavirus but Im abstruse because prior to this pandemic they still werent reporting anything in regards to this account to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I had an amazon credit card for making purchases online. The reason I signed up for the card was that they gave me a credit towards by purchase. In XXXX  0f 2020 I received a statement from synchrony bank/amazon stating I owed {$12.00} for the annual fee. It appears that amazon transfer their account to synchrony bank which now charges for annual fees. 

I went on line and cancelled my account in XX/XX/2020 as I never keep any card cards that require an annual fee. I am now being charge for the annual fee along with {$38.00} per month late charges with interest on what they perceive as an outstanding balance. The card card was cancelled and I have sent an email to synchrony bank with no response. 

I have also tried to contact amazon with no luck. 

Please advice me as what can I do now.

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 2020-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
In XXXX of this year, I called Fay Servicing to make arrangements to catch up on payments that we had fell behind on, I didn't get the name of the man I spoke with but I had my phone on speaker and my granddaughter  was with me. I ask if it would be possible for us to pay {$300.00} twice a month for the remainder of the year 2020, that should catch us up completely, I was told that it would be fine for us to do that beginning in XXXX. In feburary we paid two payments of XXXX $ and the first of XXXX a payment of XXXX XXXX The middle of XXXX we received two envelopes with the checks dated XX/XX/XXXX and XX/XX/XXXX, along with form letters, the letters were marked, that because our loan was in preforeclosure or forecloser that they could no accept a payment lower that the full amount. I thought they were returning the payments but when I spoke with the bank they assured me they were cancelled checks and the money was withdrawn for our account, I tried numerous times to call the number given but all I get is a recording stating that they are receiving a large volume of calls and hold times could be long, after about 2 for 3 minutes I get the option of leaving a voicemail or contacting them at their email address for customer support. I have left 2 fo 3 messages and a couple of emails trying to find out where the {$900.00} is I sent. After not being able to contact them I decided to continue to send the payments and sent another {$600.00}. I received a certified letter from a law office stating they were attempting to collect a debt to XXXX for the amount of our loan but it did not mention Fay Servicing so I assumed that is a scam. I then received a statement showing the last money received from us was the payment in XXXX of this year, there is no credit for the {$1500.00} that we have sent since XXXX. I can't get any returned call or returned email from them Im sending you pictures of the letters and returned checks and the last statement received. My husband is ill and I don't know what else to do but ask for help handeling this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
On XX/XX/XXXX, I traded in a leased XXXX XXXX  XXXX ( XXXX ) to XXXX XXXX in XXXX, MA. XXXX was given and accepted the vehicle, along with a then-current buyout balance of {$45000.00} payable to XXXX XXXX. 

As soon as I became aware of the account 's delinquency on XX/XX/XXXX, I contacted XXXX to expedite the payment ( they claim they sent payment to the wrong address ). This payment was finally received, per an automated " Payment Processed '' e-mail from XXXX, on XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX advising me that the account was still delinquent {$3600.00}. Upon calling XXXX ' collections department to follow-up on the account 's status, I was advised that the payment was received, but not applied " for some reason '', and that only " Customer Care '' could fix this. Due to the Coronavirus situation, they were not accepting inbound calls. I was promised a callback within 72 hours, which has not happened as of XX/XX/XXXX. 

Separately during this situation, XXXX was assessed excise taxes from the Town of XXXX, MA for a vehicle I no longer possessed and added the balance to my account accordingly. I attempted to file an abatement on their behalf, but the Town stated it must be abated by XXXX directly. 

On XX/XX/XXXX, per the instructions on the letter, I wrote to XXXX XXXX disputing the validity of the remaining debt. This was sent via USPS Priority Mail ( Tracking # 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 2020-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX is reporting a current mortgage account, paid on time, as included in a chapter XXXX. This is NOT correct. We pay this mortgage on time every month as indicated on the supporting documents.

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 2020-04-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I refinanced my VA home loan through XXXX XXXX  XXXX  in XXXX of XXXX. The mortgage was eventually transferred to Freedom Mortgage. XXXX underpaid my escrow account while I was with them, even though I e-mailed and called my lender to tell him his escrow estimate was not enough before the loan was finalized. He assured me his numbers were right, even though I pulled my information from the county website. Needless to say, around XXXX of XXXX after Freedom Mortgage had acquired my loan, my Monthly mortgage shot up around {$300.00} a month over the span of 2 years because of the escrow mistake. Being the only person working in my family at the time, it put us in a hardship situation, My savings was slowly depleted and I couldnt keep up on payments anymore. On top of that, after struggling with the payments and foreclore looming, my wife who was a stay at home mom was forced to go back to work in the evenings as soon as I got home from work. 

The missed mortgage payments hurt my credit score and impacted my family. I Feel that I was lied to by XXXXXXXX XXXX XXXX, as the property tax information was readily available on the county website website. So for them to get the numbers wrong even after I brought it to their attention was very upsetting.

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