vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NM

Complaint narrative:
On XX/XX/XXXX my account was for XXXX where my normal payment is XXXX. I didn't remember seeing this change in a statement for my XXXX payment and since it is on auto-draft. However on my statement for XXXX due be due XX/XX/XXXX it shows the same amount to be drafted with {$650.00} due for principle and interest. My contract for this loan says that my principle and interest payment is to be {$620.00} according to a loan modification completed in XXXX of XXXX. This is a difference of almost {$33.00}. I spoke with the company on XX/XX/XXXX about this issue and they were going to be fixing it and applying the difference to principle. However during the conversation with two different employees the both mentioned my loan being an ARM which this loan is not supposed to be an ARM but a 25 year fixed rate VA mortgage. 

My statement also says that my interest rate is until XXXX of 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 2019-05-08 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have a security freeze on my file and every time I try to life the freeze online I have no success. I cant view any of my information online. When I call every representative that I speak with is rude and always say that Im not passing my security questions. They are very dishonest people and dont offer help at all. I have yet to receive results of an investigation that is over 30 days old. And the freeze still hasnt been lifted. I first began trying to life the freeze from my report last month on XX/XX/XXXX. When the representatives that I speak with ask me when was the last activity of my freeze I give them a date range and they continue to tell me Im wrong. I know my personal information and I know the last time I attempted to remove the freeze on my file. I cant apply for any credit because of this and its really getting frustrating. I have tried to life the freeze online, through the automated system, and with the customs service representatives. STILL NO LUCK. I am never able to view my information online because the random security questions presented NEVER correspond with my file. Equifax is by far the worst credit reporting agency. Attached is two of the most recent investigations that I have file and I still done have results of these completed investigations. Also a picture of the phone call place to Equifax on today, XX/XX/2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: TX

Complaint narrative:
Ok I had to hang up on the lady today but us bank still trying to collect a debt that was forgiven and they issued me a 1099 c ... .I kept telling the lady on the phone the debt is forgiven and I got a 1099 c and still telling me I owe the bank over 16000 dollars and also I requested a title for the vehicle that got repossessed due to parking in a wrong spot and us bank still not trying to give me the title ... they still giving false info to XXXX about the balance and even they said once the debt is forgiven and got a 1099c the balance should still be XXXX and they steady reporting the balance I used to owe, but us bank need to get their priorities straight and know the difference between owing and the debt was forgiven ...

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 2019-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I received 2 checks from my employer through the mail and i deposited them in to my account and she told me to send 70 % of the checks to 2 other employers on XXXX  and XXXX. i did that not knowing she was scamming me. She took {$3600.00} from my account and my bank is expecting me to pay back. i filed a police report and everything, i even talked to the bank but they are refusing to help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: TX

Complaint narrative:
I have contacted Experian several times as well as submitted a police report & FTC identity report stating the following account is not mine & I never signed or gave permission for these companies to open any account in my name for XXXX. I am requesting that these account be removed and blocked from my credit report for XXXX , XXXX account XXXX, U S DEPT OF ED/XXXX/XXXX account XXXX, U S DEPT OF ED/XXXX/XXXX account XXXX. There is also an inquiry for XXXX/XXXX on XX/XX/2019 that I did not do. Please remove these accounts for XXXX, XXXX, U S DEPT OF ED/XXXX/XXXX both accounts and the inquiry for XXXX/XXXX. I have a fraud alert on my report to prevent this from happening again.

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 2019-05-08 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 went to look at the response from CFPB in regards to the complaints I did on XX/XX/2019 and this was the response I got : Company 's Response Thank you for submitting your complaint on XX/XX/2019 through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicated that you have a collection account listed on your credit report that is not yours. You would like the account removed from your credit report. According to our records, the disputed information does not appear on your current Experian credit report. We are in the process of forwarding you a copy of your credit report for review. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit XXXX XXXX XXXX. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian. However I looked at my credit report and the fraudulent collection is still on there, both 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 2019-05-08 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: VA

Complaint narrative:
A USPS certified receipt mail letter was sent to Experian and delivered on Monday, XX/XX/2019 requesting validation of debt from XXXX XXXX. In my request for validation, I reminded Experian that in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records from said company or agency, the requested records which prove/show that the debt is indeed mine that were given to Experian to validate this debt. They must in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681i delete this information from my credit report or send me copies of the  documents that they have in their files with verifiable proof. I also requested correspondence be in writing. As of today, XX/XX/2019, Experian has not provided me with verifiable proof or copies of the documents used to validate this debt. Instead, on XX/XX/2019, the company sent me a credit monitoring alert and email stating that the debt listed was not changed because the company " certified '' ( with no paperwork ) that the information reported was accurate. Experian is reporting incorrect information and refuses to produce record supporting documentation that any individual to whom gave the information or the documentation itself as requested. Consumer reporting agencies bear the responsibility to ensure the accuracy of the accounts they report and their responsibility must consist of more than merely parroting information received from other sources. An investigation that merely shifts the burden back to the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

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 2019-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I froze my credit file with all three major credit reporting agencies back in XX/XX/2006. I had some practical issues unfreezing the credit reports last year. This year I contacted all three   credit reporting agencies via U.S. Mail ( see attachment ), asking them to check that the information they had on file was up to date. I also asked them, very clearly, to keep the freeze on my credit file. I also asked them for clear updated instructions on how to unfreeze my credit file, if that need were to arise sometime soon. These actions on my part are good standard practices to prevent fraud and identity theft. 

XXXX  and XXXX responded adequately they got it right. Experian did not only get it wrong, they got it BACKWARDS! Think of backwards as being super-duper wrong. Extremely nonsensically wrong. So wrong that a thinking person would curl up in a corner and die of embarrassment for being XXXX. Experian permanently removed the security freeze on my credit file!!! Now instead of having my credit file safely frozen, they've opened it up for the whole world. This is exactly the opposite of what I wanted to be done. I'm not going to charge them any money, at this time, for pointing out a terrible flaw in their business system of correspondence via U.S. Mail. 

Additionally, they allowed an incorrect XXXX XXXX XXXX  to be available on the Internet. Having the wrong P.O. Box # caused a 2-3 week delay in communicating with them via U.S. Mail. It was very difficult to find someone to talk to at Experian to finally get the correct P.O. Box #.

Experian should not be allowed to hide behind some defense of incompetence or error. Let 's be honest, Experian loses money on credit freezes and will do almost anything to discourage and confuse consumers into properly using credit freezing/unfreezing options.

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 2019-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICASH
State: PA

Complaint narrative:
Collector today, the XXXX of XXXX, called and left a message at my job. I called at XXXX the same day and advised XXXX , @ XXXX x XXXX to never call me again or my job again. She threatened to keep calling until the debt is paid of {$460.00} then disconnected the call. I left her message with the same instructions when I called back.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I opened the account on XX/XX/2019 online. I added {$5000.00} via direct deposit to the account which was debited from my account on XX/XX/2019. 3 days later I tried to login into the account and it won't let me in. I called them on XX/XX/XXXX several times and after onerous verifications, they said that my account is restricted and I would have to visit a branch to get it working again. When I called my local branch in XXXX MA, they said that they can't do any sort of identity verification without my physical presence. I am out of state throughout the summer and I can't go to a branch to verify it. I asked both the call center and the local branch representative to close the account and send a check to my address on file. However, they said that they can not proceed without my physical presence in their branch. 

I understand their need for verification but they should not withhold my cash in case I am unable to go to their branch. I want them to close the account immediately and give me the money that they are holding back with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax continues to report fradugelent accounts on my credit report after receiving a police report & identity theft report. These accounts do not belong to me nor do I have any knowledge of who they belong to. I sent all requested documents in months ago without any changes. Please remove XXXX XXXX XXXX XXXX and XXXX from my report. The following inquiries should be removed as well because I did not apply for any of these XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX/XXXX, XXXX XXXX and these inquries should not be on my report XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: NV

Complaint narrative:
Hello, I'm XXXX XXXX. I plan on getting married soon and my beautiful fiance ' pull my credit report. And to my unpleasant surprise, there are accounts/collection/inquiries listed on my reports that i have not a clue about. Please assist me in removing these items from my report as they are results of identity theft. 
Best Regards.

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 2019-05-08 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: CA

Complaint narrative:
Credit Reporting Agencies are violating my ADA Disability Act and act of Discrimination and Retaliation against me as a XXXX  XXXX XXXX and XXXX status. 

Evidence has been provide it to XXXX XXXX  auto loan # XXXX with my XXXX XXXX evidence and auto lender refuses to remove the derogatory remarks of XXXX XXXX in which timely payments has been implemented for XXXX XXXX, XXXX, XX/XX/XXXX and continuing making payments of {$440.00} each month with my XXXX XXXX Retirement Pension. 

Also XXXX XXXX account has a positive payment history from XXXX till Present, but XXXX, Transunion and XXXX  is reporting Derogatory Remarks.Attorney for XXXX XXXX provide a letter to add my Tradeline to Transunion and XXXX. 
XXXX XXXX tradeline is only listed on XXXX. 

Also my XXXX XXXX Mastercard ending # XXXX balance is XXXX not {$510.00} or {$240.00} as stating on XXXX, XXXX  and Transunion. 
My credit Report hasn't been updated. 
I am going through a VA Loan and Home process in Texas and need my credit and scores updated immediately. 
Extreme Very Urgent!

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 2019-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Pendleton Capital Management
State: MO

Complaint narrative:
Last calls received XXXX XX/XX/2019 at XXXX and XXXX. 
( XXXX ) XXXX I had asked on two previous occasions to remove my number from their call list. 
My daughter owes the debt, so the business ( Pendleton Capital ) and I do not  have any business connection. 
They have failed to cease and desist with calling my phone number and it is harassment at this point. I have continually blocked their numbers even after requesting to have my number removed from their database. 
The customer service representatives have a tendency to try to bully me when I've requested removing my number from their listing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I have a mortgage with Freedom Mortgage corporation. 
Loan No : XXXX Purchase Date : XX/XX/XXXX Price of the Property : XXXX Initial Loan : XXXX In XX/XX/XXXX I applied for a recast and during that conversation with the customer service rep, I asked them what is the regulation to drop the PMI payment, I was told that the balance has to get to below 80 % LTV. 

I made a recast payment of {$50000.00} and the LTV went down to 78.6 % and in the next statement I realized that PMI is not dropped and I called them again, and now I was told I have 2 options.

1. submit a written request 2. pay the remaining balance to bring the LTV to below 78 %.

I submitted a written request and they sent a letter back asking me to get the appraisal of the property to make sure the value did not go down. as I was not ready to waste money on getting another appraisal I paid another {$2000.00} on XX/XX/XXXX towards Principal to bring LTV to  below 78 %. 

My PMI was still not dropped and when I called them again they said that the balance has nothing to do with PMI and I have to pay the PMI as per amortization schedule then I told them that it is not the Document that I signed and they said they can not do anything and I have to keep paying the PMI. 

I request your help to get me the refund of the additional PMI they charged, at this point I feel really cheated and robbed of my hard earned money.

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 2019-05-08 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:
Hello, I'm XXXX XXXX. I plan on getting married soon and my beautiful fiance ' pull my credit report. And to my unpleasant surprise, there are accounts/collection/inquiries listed on my reports that i have not a clue about. Please assist me in removing these items from my report as they are results of identity theft. 
Best Regards.

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 2019-05-08 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:
Hello, I'm XXXX XXXX. I plan on getting married soon and my beautiful fiance ' pull my credit report. And to my unpleasant surprise, there are accounts/collection/inquiries listed on my reports that i have not a clue about. Please assist me in removing these items from my report as they are results of identity theft. 
Best Regards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Dear Banks of America I contact your bank today to make a payment on my account I spoke two of your reps they told me that they were unable to take a payment from me due to the fact that my account was no longer open and you no longer own the account!. i havent recieved anything from any 3rd party debt buyers that you may have sold the account too. I also pulled my credit report and you didn't state who the account was sold too. you can't do this it's a violation of the FCRA But after reviewing my credit report your company is still reporting a balance and past due on the account how is this possible? I went to the FTC Website and they clearly state that this is a federal Vialation. Since you are no longer the account owner I asked that you please delete this account from all three of my credit reporting reports ASAP as you are reporting inaccrate information the fcra says that credit reporting must be 100 % percent accurate.

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 2019-05-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA

Complaint narrative:
one main financial per my credit report, account paid -- charged off i need this removed from credit report asap i have picture from credit report the statue if limitations for PA is 4 years, credit report showing removal XX/XX/2020. please have them do early removal

Company response to consumer: Closed with non-monetary relief