vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: IN

Complaint narrative:
I applied for a modification in XX/XX/XXXX due to the loss of a domestic partner that contributed to bills and was denied. They requested I be placed on a repayment/forebearance plan. My regular payments at the time were $ XXXX/mo. They approved repayment at {$2100.00} for five months to cover arrears and I would be current. Obviously, if I cant pay {$970.00}, I definitely cant pay over 2x that amount. Being defeated, I tried once again in XXXX, XXXX. After numerous calls with no updates or communication, I was denied again because the date on the application was older than 30 days ( it had been in underwriting with a complete package for the majority of this time ). By the time I was able to respond, it was too late. Fast forward to XX/XX/XXXX when I was advised I had a complete package. Ive called about 7 times to check the status only to be advised it was still in underwriting. They refuse to provide me any details around what steps have been taken nor whether theyd need any updated information and to call back in a week. In the meantime, the application is reaching that 30 day mark. Im sick of dealing with this company. I keep getting the runaround and am in great risk of foreclosure on my home. I will have no place to live. I need some transparency into this process. I know there have been class action lawsuits against this company because of their failure to follow due dilligence when people are struggling to keep their home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: American Financial Network Inc.
State: MA

Complaint narrative:
I ran your credit and your median score is XXXX and when I priced out the mortgage based on the mortgage amount you closed, the $ XXXX appraised value, your debt to income ratio, etc. the FHA rate ( for a cash out refinance ) with no points would have been in the 3.375-3.50 % range. You closed at a rate of 3.625 % and were charged XXXX points = {$6900.00} plus a {$990.00} commitment fee and a {$890.00} processing fee. If I were you I would contact the loan originator and inquire about these fees, starting with the points where I do not believe you should have been charged these based on your credit score and loan to value ( amount of equity ). I looked up his name that is on the recorded mortgage document : XXXX XXXX XXXX XXXX XXXX XXXX ( NMLS # XXXX ) XXXX XXXX XXXX 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 2020-01-25 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: VA

Complaint narrative:
On XX/XX/XXXX, someone attempted to open an account in my name. Fortunately, the individual was unsuccessful yet an inquiry for this attempted account opening remains on my credit report from Equifax. Immediately upon learning of the fraudulent attempt, I contacted the creditor who stated they would make a note about the fraud. Additionally, I worked with a representative at XXXX to resolve the issue ( I have XXXX   protection because of two personal information breaches involving my information ). A request was submitted by XXXX   on my behalf to remove the inquiry. In late XX/XX/XXXX, I filed an Identity Theft Report through the FTC, filed a police report with local law enforcement, and provided a copy of the letter I received from the creditor regarding the attempt to open an account to XXXX  along with a limited Power of Attorney to complete the inquiry removal request on my behalf. These documents were provided to Equifax, requesting the removal of the fraudulent inquiry. Equifax has denied the request. Multiple requests were made in writing and by calling Equifax directly. During a call to Equifax on XX/XX/XXXX, I was told, " Inquiries are factual and Equifax does not remove factual information. '' I explained a police report and FTC report was filed, and then was told they could assist with removing the inquiry. A few weeks after the call, I received an updated credit report that removed a closed account in good standing while the fraudulent inquiry remained on the report. I contacted my representative at XXXX who said, " sometimes it can take up to 90 days for the request to be processed. '' I called Equifax again on XX/XX/XXXX. During my first attempt I was disconnected while on hold for 30 minutes to process my request. When I called back, I learned my request had not been processed. During the second call I received a confirmation number pertaining to my request to remove the fraudulent inquiry. As of XX/XX/XXXX, the fraudulent inquiry continues to reported by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-01-25 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:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
I refer specifically to the ad I encountered while booking a flight on the XXXX website. The ad stated that if I applied for and used their rewards card to book the flight, I would receive {$100.00} off the cost of the ticket. I foolishly believed it, applied for and eventually received the card a couple of weeks later. I assumed ( XXXX  me ) that there would be an opportunity to point the charges to the new Barclays card at some point in the booking process, but there wasnt. In order to receive the quoted price on the tickets I had to order them immediately, I couldnt wait for the card to arrive without the price almost doubling. After the application process, nothing showed up in the booking process that referenced the new account or even acknowledged Id applied for it. This is deceptive, fraudulent and illegal.

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 2020-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I contacted your company for advice on how to remove inquiries on my credit report. Your customer service rep advised me to send letters of credit removal to each inquiry, which I did costing over {$50.00} in certified letters to creditors with no resolution. Inquiries were for auto and rv loans made within 2 weeks of each inquiry. 4 inquiries for each loan application appear negatively on my credit report which should only appear for 2 each according to your terms and conditions. I am requesting for these additional inquiries to be removed according to your terms and conditions.

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 2020-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Origination of the loan was XX/XX/XXXX. After being in a bad car accident XX/XX/XXXX I fell behind on payments _2.5months worth ( and I explained my situation and submitted documents regarding my car accident ). My car was then repossessed the same day I received notice in the mail. The notice stated we had until XX/XX/XXXX to retrieve before the car goes up for auction. My car was retrieved XX/XX/XXXX from the impound lot and my payments have been up to date since. Fast forward to XX/XX/XXXX, attempted to register the car and the PA DMV states the title was transferred to VA address on XX/XX/XXXX. I was in possess of the vehicle when the switch to the title was made. I reached out to TD Auto Finance and was told by one of the reps that the switch was done in error and that my account stated do not process because I was in possession of the car. I then reached back out to PA DMV and they stated that this is done quite frequently ; and unfortunately the registration can not be renewed if the info is incorrect. Contacted TD Auto Finance several times but to no avail. I then submitted a complaint with XXXX  and approx. 2months later the process started moving ( approx. XX/XX/XXXX ). I spoke to TD Auto Finance again in XX/XX/XXXX asking them how much longer would it take to correct the title info, because I have been paying a car note for a car I can not drive due to expired registration ( 3 months now ). I asked if I would get some form of credit or compensation because of this and was said no. Summarizing what was said to me, I was told because it was once re'poed there is really nothing they can do. 
When the car was repossessed I paid over {$2800.00} in past balances, repo fees, processing fees, and reinstating fees. After paying all that money out I believed my car was my car again. To learn that the title was flipped after I retrieved the car and paid my due seems unfair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: HI

Complaint narrative:
I am XXXX XXXX XXXX. I am in the U.S. XXXX and have had issues with my father using my SSN for years. I currently have a {$750.00} debt in my credit report that I have zero knowledge about. I also have several hard inquiries to auto loan places in XXXX, GA where my father lives. Also his place of employment is on my credit report. As well as an alliance he uses with my name of XXXX XXXX. What can I do to fix this issue. This has been going on for several years and constant keeps popping back up on my reports. What can I do to fix this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was checking my credit report to make sure that the information that was there was accurate and found out that I am the victim of identity theft. I noticed an account that was on my credit report that I didn't apply for. Somehow someone used my personal information to fraudulently apply for a credit card. I am not sure how my personal information was obtained but the criminal has charged over XXXX XXXX dollars on a credit card that I did not authorize an application for and that I do not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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 was checking my credit report to make sure that the information that was there was accurate and found out that I am the victim of identity theft. I noticed an account that was on my credit report that I didn't apply for. Somehow someone used my personal information to fraudulently apply for a credit card. I am not sure how my personal information was obtained but the criminal has charged over XXXX XXXX dollars on a credit card that I did not authorize an application for and that I do not have.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-25 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Today XX/XX/2020 I was on the phone thats a proximately XXXX with a representative from EXPERION. who I was explaining that there is something wrong with my negative score factor. My explanation of the problem is that The reason for the score factor being negative changes after every new reason is proven to now be true. EXPERION use scam to keep my score stagnant. And use this as justification for my mysteries point deductions, but every attempt to get it removed the reason behind the negative factor get change the young lady told me that if Experion remove that false negative factor I will have a better score like XXXX and That Experion does not allow that I have the pictures to prove that in attachment. Its illegal so do that. I would like for the attorney general and Supreme Court to see this new evidence of companies breaking the law.

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 2020-01-25 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were  challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DC

Complaint narrative:
( This is a continuation of a COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX. ) I previously complained that Rushmore Loan Management Services continued to withdraw more than they were authorized to withdraw each month. After I complained to you, Rushmore Loan Management Services stopped withdrawing the unauthorized amount during the month of XX/XX/XXXX. However, in XX/XX/XXXX, Rushmore Loan Management Services began withdrawing unauthorized amounts from my bank account again. When my bank stopped payment on Rushmore Loan Management Service 's unauthorized withdrawals, Rushmore Loan Management Service retaliated by requiring that I only use certified funds to make future payments. 

In correspondence dated XX/XX/XXXX, Rushmore Loan Management Services stated they had records which show I authorized them to withdraw in excess of {$1000.00} from my account in XX/XX/XXXX, XX/XX/XXXX, and thereafter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
Radius global solution listed collections/debt on my credit report that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/19 I applied for a JCPenney account and was told by the store clerk it was denied. I received a letter from Synchrony Bank stating that I was denied due to " a prior unsatisfactory obligation with Synchrony Bank. '' I reviewed my credit reports from all 3 credit reporting agencies and found no unsatisfactory obligations with Synchrony or any other agency on any of my reports. On XX/XX/19 I wrote Synchrony back and informed them of this. As the ECOA allows, I disputed the accuracy of this information and requested any information Synchrony used to base their decision. I then received a second letter from Synchrony stating that " some of the information used to make the decision was based on information obtained from my credit bureau. '' Synchrony did not give the name of the credit bureau or explain further why I was denied credit as required in the ECOA. Additionally, Sychrony did not comply with the ECOA in that it failed to : If a lender rejects your application based on your credit report, the lender is also required to { copied from consumerfinance.gov website } : *Provide you the numerical credit score it used in taking the adverse action and the key factors that affected your score *Give you the name, address, and telephone number of the credit reporting company that provided the report *Tell you about your right to get a free copy of your credit report from the credit reporting company that provided it within 60 days of your adverse action notice *Explain the process for fixing mistakes on your report or adding information to make your report more complete Given that I have credit in the " very good credit '' range with all reporting agencies, and have had no trouble with obtaining credit from other sources before or since, I believe that Synchrony denied my credit application based on some other reason they do not wish to disclose as it is in violation of ECOA.

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 2020-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company
State: TN

Complaint narrative:
I received a letter in XX/XX/XXXX from Frost-Arnett Credit company stating I owed a total of {$2400.00} from XXXX XXXX XXXX. Before this account went into collections, I had asked to hospital to send me an itemized bill due to not knowing where my {$1700.00} payment, on top of my insurance, went. I received a summary of my treatment, but no specific dates my payments were made, no amounts of what my insurance paid, ect. I  wrote them back to dispute the collections asking to receive validation that I owed this debt on XX/XX/XXXX. I then stopped receiving calls. On XX/XX/XXXX, I received a letter stating that the agency was unable to verify the information requested and that they were to return the debt and cease collection of the account. On XX/XX/XXXX, I received another letter with the same account number stating I owed {$930.00} and that I had failed to respond to previous communication regarding my bill, and that I was to pay the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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:
On XX/XX/2019, I sent a letter requesting that Equifax provide me with its method of verification. They have not done so, instead, Equifax just opened up another dispute and has not sent any method of verification to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
I had Mr.Cooper and I was behind on my mortgage and I called to get assistance back in XX/XX/2019. I was told yes ; we will be able to help you. I provided all the paperwork they needed. Then XX/XX/XXXX comes around and it was flat denied because they said I did not have the loan for a year yet. I was already 2 months behind if I would have known that from the beginning then I would've found help somewhere else. Then again, I tried again in XX/XX/XXXX since by then I already had the loan for a year. They kept rejecting paperwork and every time I would call to ask why I would get different answers. Until AXX/XX/XXXX everything was accepted but then I receive a letter that my mortgage would be transfer by XX/XX/19 and I thought well I still have more than 30 days and it will process before it sent to XXXX XXXX. But nothing happen they never moved a finger or letting me know the status of the loan modification. Just overall horrible experience with them. No notes or nothing every time I would call, I had to repeat every time. If the calls are recorded, they should have more than 20 calls within last year. When the loan was transferred to XXXX they advised me nothing was done and that they didn't even receive the paperwork that I sent to Mr.Cooper for the loan modification so basically I had to start all over again. But the difference with them, they actually got everything done within 15 days and started my first trial payment till XX/XX/19. I called also in XX/XX/XXXX and XX/XX/XXXX to have the negative mark removed due to the incompetence and was told I was submitted but never received and email or letter letting me know of the outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditor's Collection Service, Inc.
State: NC

Complaint narrative:
I called several times to the medical office and gave my insurance information to the hospital and the doctor had 6 months to file insurance and his company never filed the insurance on time thus XXXX XXXX XXXX XXXX refused to pay medical charges it was pass time to file. XXXX XXXX XXXX XXXX called the company and told them remove collections because it was not authorized.

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