vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
I am working with Freedom Mortgage ( Corp NMLS # XXXX ) on a refinance which started last month XX/XX/2019, and was supposed to close XX/XX/2019. Today is XX/XX/2019 and we have not closed. 

Freedom Mortgage will not respond to my requests as to why the loan hasnt closed. They have claimed that the loan is in condo review, but my commercial insurance company that insures the HOA ( that I own ) has sent them all of the disclosures, policy info, and questionnaires they have requested. I have also sent them all of my private home owners insurance info. 

It appears they have just decided they dont want to close the loan and are discriminating against me. I am not sure why as they wont indicate anything to me and will not return my requests for a status update. 

The rate lock we have is going to expire and I am not sure if I need to make my payment this month. 

I have No indication of the status and whether they Intend to close the loan or not. They wont communicate what is happening.

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 2020-01-09 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: Statebridge Company
State: FL

Complaint narrative:
I was on a settlement agreement with XXXX XXXX and they sold my loan to STATEBRIDGE COMPANY , LLC ON XX/XX/2019. I had only 3 more payments to make and as of XX/XX/XXXX I sent all my payments to them in fact I sent and extra payment. STATEBRIDGE refuses to honor my settlement agreement and I think that is unprofessional. I have made all my payments on time. if they really wanted too they could check with XXXX to see my payment history with them and resolve this issue. I feel that they don`t want to clear this matter up. I have had XXXX to dispute this matter twice with no resolution on my behalf. I have given STATEBRIDGE and XXXX a copy of my settlement agreement to show them that I was on a settlement agreement. As of yet I have not received a positive resolution on my behalf. They are still putting a negative comment on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: NJ

Complaint narrative:
I have tried on several attempts to have a falsely reported bankruptcy removed from my 3 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 2020-01-09 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: NJ

Complaint narrative:
I have tried on several attempts to have a falsely reported bankruptcy removed from my 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2019 Me and my wife opened a mortgage account together. XXXX the loan servicer was originally reporting the loan twice on my personal credit report with Equifax. As XXXX and as XXXX, this was disputed due to the credit report showing two loans for the same mortgage, effecting my debt to income ratio. Which violated my rights as a consumer and the FCRA. This resulted in both loans being removed from my credit report. Now information that should be reporting is not reporting. XXXX should be reporting to my equifax credit report with the accurate loan information. Accurate information is now missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian continuing it's XXXX XXXX INSTITUTIONAL XXXX negligent business practices of inaccurate erroneously reporting my payment history so as to suppress my creditworthiness, and employment viability. Per that attached XX/XX/XXXX credit report, Experian is reporting my XX/XX/XXXX mortgage payment to XXXX XXXX XXXX as 30 days late when the payment was CLEARLY made XX/XX/XXXX per the attached XXXX XXXX XXXX branch location receipt!!!

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 2020-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PLAZA HOME MORTGAGE, INC.
State: CT

Complaint narrative:
I beg you stop lie the CFPB and me. 
See copy of my check paid at closing.Show me where is check to XXXX XXXX.It is in one {$2000.00} not like you answer {$1000.00} and {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: IL

Complaint narrative:
I found Fraud and included the pending issues : XXXX XXXX  XX/XX/16 {$150.00} ; XXXX XXXX XXXX   XX/XX/16 {$56.00} ; XXXX XX/XX/16 {$6.00} ; XXXX XX/XX/16 {$43.00} ; XXXX XX/XX/16 {$41.00} ; XXXX XX/XX/16 {$17.00} ; XXXX XX/XX/16 {$36.00} ; XXXX XX/XX/16 {$64.00} ; XXXX XX/XX/16 {$18.00} ; XXXX XX/XX/16 {$40.00} ; XXXX XX/XX/16 {$150.00} ; XXXX XX/XX/16 {$43.00} ; XXXX XXXX XX/XX/16 {$25.00} ( this already given and below ) ; XXXX XXXX XXXX  {$35.00} ; XXXX XXXX {$140.00} ; XXXX {$23.00} and XXXX XXXX XXXX {$26.00}. Total : {$920.00}

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 2020-01-09 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: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
Check Systems is reporting false information from XXXX XXXX for ( 2 ) 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 2020-01-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
I dont know the exact dates amounts were paid and I would have to get the information from the company but the last amount I paid was maybe {$500.00} some or so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Back in XX/XX/XXXX, I got an alert on my credit report that there has been a hard inquiry placed from XXXX XXXX. I called right away to remove it and they said they placed a fraud alert on my account and it should alert XXXX and XXXX  so they can remove it. I checked back around XXXX XXXX XXXX and XX/XX/XXXX to see the status and they said the same thing, weve placed and fraud alert, it should take 30-90 days. Well, it has been over 90 days and they said wait. My credit report STILL has XXXX XXXX on both XXXX and XXXX. Both credit bureaus said In order to remove it, I need to obtain a hard copy ( letter ) from XXXX XXXX stating that it was not me, and then clothed can remove it once I send that letter off. XXXX XXXX said they cant send the letter. Now Im stuck with an inquiry I NEVER did and my credit score dropped all because of identity theft!! This also goes for American Express. Someone opened an account on XX/XX/XXXX and I did the same procedure back and forth with the credit bureaus and credit card companies. Both American Express and XXXX XXXX said they placed a fraud alert but cant help me with any evidence that I need to show XXXX and XXXX that its not me. I did numerous disputes with XXXX and XXXX but they denied it unless I obtain a letter from the credit card companies stating otherwise. I NEED HELP TO REMOVE THESE INQUIRIES ASAP!!!! Its been since XX/XX/XXXX and its XX/XX/XXXX. No change at all!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: CA

Complaint narrative:
XXXX continuing it's XXXX XXXX INSTITUTIONAL XXXX negligent business practices of inaccurate erroneously reporting my payment history so as to suppress my creditworthiness, and employment viability. Per that attached XX/XX/XXXX credit report, XXXX is reporting my XX/XX/XXXX mortgage payment to XXXX XXXX XXXX as 30 days late when the payment was CLEARLY made XX/XX/XXXX per the attached XXXX XXXX XXXX branch location receipt!!!

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 2020-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX XXXX live at XXXX XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX my SS # XXXX. 
I WAS GOING OVER MY CREDIT FILE AND I SAW SOME ITEMS THAT ARE DEFINITELY NOT ACCURATE!! Please delete and remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The cellphone numbers on my credit report are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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 2020-01-09 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 — Their investigation did not fix an error on your report
Company: ERC
State: CA

Complaint narrative:
Enhanced Recovery Company LLC. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about an item on my credit report. 
I recently retrieved a copy of my credit report, I noticed a collection account for {$340.00} from ERC and immediately sent a Certified Letter to Enhanced Recovery Company LLC on XX/XX/XXXX. Requesting that they provided proof of this alleged collection account number XXXXXXXX and the alleged agreement with MY SIGNATURE. As well as documentation detailing the XX/XX/XXXX date in which this alleged collection account became delinquent. 
After receiving no response to my First Certified Letter requesting to see any Original Contract or Service Agreement WITH MY SIGNATURE I mailed a Second Certified Letter on XX/XX/XXXX as evidenced by my receipts from the post office that I have provided. As of XX/XX/XXXX Enhanced Recovery Company STILL HAS NOT PROVIDED ANY DOCUMENTATION THAT BEARS MY SIGNATURE, nor have they provided me with the alleged delinquency date nor complete accounting of the alleged debt of {$340.00}. 
I wish to see the Original sources of the information reported, including but not limited to, the Original Contract or Service Agreement WITH MY SIGNATURE. If you can't provide me with this information, please REMOVE THE ACCOUNT IMMEDIATELY as neither your agency nor I can verify that this account information is being reported accurately. 
The First violation is that Enhanced Recovery Company inserted this unverifiable, inaccurate entry on my report and second, they did not cease reporting of this entry with the credit bureaus after they were in receipt of the Two Certified Dispute Letters I mailed them.

This is a conscious, willful and blatant FDCPA violation. Enhanced Recovery Company must IMMEDIATELY DELETE this erroneous entry from all of my credit reports. 
Enhanced Recovery Company is refusing to respond to my request, yet they continued to report this inaccurate and unverifiable entry. 
Enhanced Recovery Company delete this entry immediate and provide me with a copy of the correspondence sent to the bureaus to direct them to remove this erroneous entry as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ditech Financial LLC
State: KY

Complaint narrative:
Chapter XXXX Bankruptcy filed XXXX XXXX This was discharged-XX/XX/XXXX, Public Info on the credit reports state to be removed XX/XX/XXXX. 
Initial Loan was thru XXXX XXXX as second mortgage, XXXX XX/XX/XXXX, last active XX/XX/XXXX. Payments were made to XXXX by the court starting XX/XX/XXXX til XXXX XX/XX/XXXX. I remember receiving a letter from the court concerning this account but dont remember the contents. Amt {$5200.00}, Int {$1000.00} paid by Court to  XXXX. Started seeing Greentree on credit reports, then it became DITECH. An XXXX credit report dated XXXX XX/XX/XXXX showed info as being DiTech and charged off XXXX XX/XX/XXXX. " Date Major Delinquency First Reported was being XX/XX/XXXX ''. I believe they manipulated the date by " backdating '', or " re-aging '' to report this account longer as then it justifies them to continue to do inquiries on my credit reports as a creditor. According to a credit report by XXXX dated XX/XX/XXXX they requested information dated XXXX XX/XX/XXXX. I received a letter from DITECH, dtd XX/XX/XXXX, " this communication is from a debt collector '' at the bottom. Today, my husband received a call from XXXX, per websites, that this is a collector from DITECH. We are both now retired, age XXXX and drawing social security. Lost home thru foreclosure. SOL is 7 years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX {$920.00} was deducted and paid to an insurance company out of our escrow account for our home. This was for another property and should have not been deducted from our escrow account. New American Funding refuses to return the money until they get it back from the insurance company. They also recalculated our monthly escrow payment to include this error payment and thus raised our monthly mortgage payment. They claim that they can not correct this until the insurance is resolved. They also will not do an audit to review the escrow account to verify that no other mistakes were made.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NVR INC.
State: FL

Complaint narrative:
Client entered into contract with XXXX XXXX on XX/XX/2019 to purchase a new construction home with USDA financing. The customer was given a {$8000.00} credit towards closings cost if they used the home builder 's financing team, NVR Mortgage Finance , INC . Customer submitted a deposit in the amount of {$3500.00}, on the contract date of XX/XX/2019. 

On XX/XX/2019, customer submitted required documentation to NVR through client portal. NVR then notified that the clients did not qualify for the USDA loan program. NVR has since notified the clients that they could qualify for a 5 % conventional or a 3.5 % FHA loan which is not the loan type, nor the interest rate that they initially applied for. USDA offers zero percent down payment and a lower interest rate. The loan programs NVR is offering the clients, not only require down payment but also have a higher interest rate and higher monthly mortgage commitment. Client does not have the required funds to continue with a 5 % conventional or 3.5 % FHA, which was outlined to the home builder representative on contract date of XX/XX/2019. 

Customer and real estate agent have contacted the home builder representative and manager multiple times to initiate the deposit refund process and have been told numerous times that the deposit of {$3500.00} will not be refunded back to the client, due to the fact that permitting process has already been initiated. Clients and real estate agent have both researched the new property address within the XXXX County Permitting Department and no records show that permitting has been initiated for that lot, which differs from the information clients were given on reasoning for denied deposit refund. 

Clients and real estate agent have requested the loan break out / cost estimates from NVR for the 5 % conventional and 3.5 % FHA and have yet to receive the information but have received the loan application through their client portal. In addition to not receiving this requested information, the seller ( XXXX XXXX ) credit of {$8000.00} was not reflected in the conventional Uniform Residential Loan Application that NVR sent to the client. Instead, the credit outlined was only {$7400.00}.

Both NVR and XXXX XXXX have used intimidation tactics to ideally force the clients into using NVR Mortgage and obtaining a mortgage with a higher interest rate and more money required for down payment. The clients feel forced into moving forward with a loan they could potentially not afford, since the home builder will not refund their deposit. The clients do not wish to move forward and have notified XXXX XXXX numerous times. XXXX XXXX has expressed that the deposit will not be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
I started applying for a loan modification with my mortgage servicer Nationstar Mortgage dba Mr. Cooper at the end of XXXX. This situation went on for a very long time. In spite of numerous phone calls, faxes, letters, emails I could not get a loan modification application. I contacted Consumer Financial Protection Bureau in early XX/XX/XXXX. With their help the process moved along. I went through the trial loan modification and met all requirements. I have been approved and am waiting to submit the final paperwork. My original monthly mortgage payment was {$1100.00}. My new monthly mortgage payment is {$1100.00}. That is a savings of only {$29.00}. This seems outrageous to me. I feel like I have wasted my time and that this was/is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Waterfall Revenue Group
State: NC

Complaint narrative:
After reviewing my report, I see that Waterfall Revenue GR, has account status " open '' on my credit report. The original creditor is XXXX XXXX XXXX XXXX. They sold the debt to " XXXX XXXX  '' both creditors were added to my bankruptcy and discharged in 2017. I contacted WRG and they informed me the debt was open and the amount was over XXXX. They further informed me that they are now operating under WRG which is formerly XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: MD

Complaint narrative:
Case number XXXX made buy XXXX XXXX number XXXX The date of the origin of this keeps changing and now experion is trying to justify why they are Desperately trying to connect this mortgage to anything desperately trying to connect this mortgage to else. 
I just wan na this reason to be removed because its reason have been repeatedly been used as the reason why every point i received to be removed For the last 10 months. This is why Im stuck at XXXX. Just like XX/XX/2019 my score got up to XXXX then on XX/XX/2019 my score went back to XXXX with no change to my file. The United States government should find them for this. This is EXPERIONs Doing. 
Look at this. experion says the update once a month But my file got updated XX/XX/2019 XX/XX/2019 XX/XX/2019. XXXX has no explanation for why this happened they just say XXXX did it and I called the BS they tried to say the bank update 3 times in XXXX month. I said look XXXX you have been caught red-handed. Just on my file alone. They can see that they are being hacked but wont do anything about it. But if they are not being hacked the government need to find them 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 2020-01-09 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
Chase Credit Cards are charging me for an unauthorized hotel charge that was on file with the hotel for incidentals only. XXXX XXXX was not authorized to charge my card for anything. This was not an incidental charge.

Company response to consumer: Closed with explanation