vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
On XX/XX/XXXX closing with a new mortgage company here in Arizona we had to work with Freedom mortgage again to find out the appraiser that Freedom used was never paid by Freedom. I paid XXXX for half of it. In closing on the new loan, I had to pay the full XXXX to the appraiser, this is disturbing to me. the Freedom charged me XXXX for a late payment that was waived and shows waived on my account. I also was charged 8 {$30.00} fees on my account which the customer service rep could not explain. they told me it was a shortage in the escrow. Now I found out the 8 {$30.00} charges were for the payoff requests. So, my new loan company only requested 1 payoff. Freedom never disclosed this to me or the new loan company. This is another misrepresentation. All of this is just another example of how they treat Veterans. This is also my second complaint with Freedom Mortgage. I started this refinance with Freedom in XXXX of 2021 and after 140 days they just canceled this refinance due to lack of information. this same information was given to the new mortgage company, and we closed in 4 weeks. no that all the dust has settled Freedom walks away unaffected. and I paid {$880.00} in fees and appraisals that Freedom should have paid. I would like Freedom to pay this back and apologize for this. I think Freedom should be investigated for these practices.

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 2022-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
In XXXX it took out a student loan with Sallie Mae for {$21000.00} to help pay for college. At the time I thought the loan was federal but unfortunately it was a private loan. They NEVER informed me how much I would owe for the life of the loan, they NEVER informed me that I should be making payments while I was in school because they were going to add so much interest that it would triple the loan and now I currently owe {$61000.00}. I finished school in XXXX and I don't make close to {$61000.00} a year, I have three children who I raise on my own, my rent is {$1700.00}. The life of the loan would be 22 years pay off date XXXX/XXXX/XXXX if I was able to pay {$560.00} a month which I can not. If I continue on the rate reduction program which they have me in now ( payments still too much ) I would probably owe double what I owe now. Which would add more interest over the next 5-10 years. This is because when they started payment I wasn't done with school they gave me no options except for FORBEARANCE which continued to add interest on the loan. This was deceptive and unfair. They planned to do this from the beginning of the loan. I'm not sure what to do because this is affecting my life as well as my children. I also have late payments on my credit which is affecting me as well when I pay them what I can on time. The only option this give now is rate reduction program. Those payments only go towards the interest and not the principle of the loan which I'm sure I'll owe double what I owe now by the time this is over probably when I'm dead. So much for the American dream. It is more like a nightmare. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To be honest i dont know who or have the number nor email but i got a call from a loan service and accidently me being confident that day gave this guy my id number my bank account number etc my social my email to my bank account my routing number my password and i dont wan na get blamed for something i didnt do so for that reason i wanted to make this complaint just to ensure my safety because im bot going to go down for someone elses wrong of doing but anyways yes sorry for the inconvenience and just wanted to see whats going on with my credit score it says my credit scorebis locked and wan na get more information about that by any chance may you be able to help and wanted to see if you may help me get a backround check on myself to see if anybody is doing fraud on me. And future reference it says i put 2 different adresses but if so my keyboard on my phone probably auto corrected it and with out knowing submited the application i dont know who know but yes need guidance please and thank you for your time have a blessed day.

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 2022-01-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate, misleading, unlawful, and unknown things on my credit report. Its been well over 60 days and I have not received any feedback regarding the serious matters in my letter. I feel that Im being treated very unfairly, taken advantage of, and ignored. We all understand that an investigation was supposed to be completed within 30 days and its been WAY more than 30 days. The accounts that I disputed in my letters have more than just one thing wrong with them. The disputed accounts have many things wrong with them, and we all understand every account that appears on my credit report must be reported A HUNDRED PERCENT ACCURATE, TRUE AND WITH MY PERMISSION. Every account I disputed in my letter have MANY problems and I DEMAND EACH ACCOUNT IS DELETED/REMOVED from my credit report NOW! Please remove these accounts from my credit report or Ill be forced to seek litigation and justice through the proper channels due to the immense stress you caused me and people close to me. My personal information was also impacted by the Equifax data breach and may have got a hold of by the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have 2 issues One is pertaining to Bank of America closing my account without a valid reason and the other is pertaining to Bank of America refusing to issue my rewards money to me. 

On XX/XX/XXXX, Bank of America closed both my personal credit cards and my business card for irregular authorized user activity and refused to issue my rewards to me. They also refused to send me my statements to see the total amount of rewards. I had balances and they refused to apply my rewards towards the balances. I had one card since XX/XX/XXXX, and the other card since XX/XX/XXXX, and I had a stellar payment history. I attached the credit card agreement and closure letter for both personal cards and the account closure letter for the business card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am currently a Wells Fargo customer. On XX/XX/22 I visited a Wells Fargo back on XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I used the ATM in from of the building by the front entrance. I put on my card, entered my pin and requested {$320.00} dollars from the machine. I counted the money in front of the ATM and found I had received {$170.00} instead. I then looked at the receipt and it said that the machine had dispensed {$320.00}. confused I went back into my car and asked my friend who was in the car to count it for me. he too counter {$170.00} and confirmed that I was {$150.00} short. I then called the Wells Fargo customer 800 number to report the issue. I was advised that the issue would be investigated and that I needed to allow 10 business days. If the issue was not resolved after 10 business days, then I would receive a credit. on XX/XX/22 I received an email stating that the investigation had been completed. I called XXXX and spoke with XXXX. he stated that the investigation was completed but that the claim was denied and that I would not receive the {$150.00} that was owed to me. I asked to have the issue escalated and spoke with XXXX, a claims representative. she again stated that the claim would be denied. I asked for the issue to be escalated and XXXX stated that the issue would be escalated to the corporate office.

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 2022-01-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Innovate Managed Holdings, LLC
State: GA

Complaint narrative:
I received a letter from Innovate Auto Finance/ Dealer Funding LLC XXXX XXXX XXXX XXXX XXXX Texas XXXX stating that I was in default and Requirement of Strict Compliance. The letter was dated XX/XX/XXXX. I reached out to the company on XX/XX/XXXX through email to validate the debt because I had no idea who this company was, I never signed any contracts with them nor haven't even spoken to anyone from the company before. I go outside to walk my dog and realized that my car is missing, they had came a repossessed the vehicle without validating that I infact owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase assumed my mortgage as servicer, and they have charged me PMI three times in the month of XXXX, and two times for the month of XXXX. My mortgage agreement says that I pay PMI once per month. I demanded that they refund the additional payments. Chase refuses and states that the other servicer was not charging me monthly PMI and they are " catching up ''. Further, I paid the XXXX down to under 80 %, and Chase stated that they would submit to cancel PMI and I would hear back within 5 business days - this was as of XX/XX/XXXX and all of these messages are in writing. On XX/XX/XXXX I was once again charged PMI which I am now demanding a refund for. 

It is very difficult to get straight answers from Chase, and they appear to deliberately make things confusing in order to try and gain more fee payments. My prior servicer ( XXXX  ) was straight forward, easy to communicate with, and did not make over-charges each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
Account closed with one main XX/XX/XXXX. Account does not reflect being closed at that date to stop gaining interest. First two payments were made XX/XX/XXXX. Payments have been made on time consecutively since XX/XX/XXXX the account does not reflect on time payments. It only shows that no activity have been made for the past two years. Was never notified by the company that payments were not received nor were there any alerts received on my credit report or through any of my credit monitoring services. The only activity from the company was litigation actions with no forewarnings on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-01-21 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: SLM CORPORATION
State: FL

Complaint narrative:
I applied for a Sallie Mae Accelerate card in XXXX, XXXX and was approved immediately. I waited for the card to arrive and after a month I called because I hadnt received it so they sent another one. I received that one in XXXX. The card promised a {$200.00} reward if I spent {$1000.00} in the first three months after you open the account. I took that wording from the online ad that is still up. I started using the card in XXXX and by early in XXXX I had fulfilled the {$1000.00} commitment. Since The account had been opened in XXXX I figured XXXX would be three months from XXXX so I called the company to find out when I would receive the reward. I was told midXXXX. On XX/XX/XXXX I called again and was told I would get it at the close of my XXXX billing statement which was XX/XX/XXXX. On XX/XX/XXXX, the first day of my next billing cycle, I called again because I still hadnt been issued the reward. I was told at that point that I wouldnt get it until the end of the billing cycle in XXXX. I have a {$0.00} outstanding balance and I spent well over {$1000.00}. Their promise to reward a {$200.00} bonus was fraudulent and Im being scammed by this company.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-01-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation