vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom Mortgage increased my payment by {$500.00} a month. I received a late notice in XXXX. To cover for this difference, I sent {$1000.00} to cover for both XXXX and XXXX. My mortgage payment is on auto-pay and so the XXXX payment would be short as well. 
Freedom Mortgage received the XXXX payment and as-lied a portion to the XXXX deficit, then applied the balance to principal. They did not apply the {$1000.00} payment but held the funds for 18 days. They then assessed a late charge to my account for XXXX. Freedom Mortgage has receipt of the full payment, yet did not apply it to my account, further they charged a late fee.

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 2018-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This complaint is stating that your bank has deliberately cut off several years of payment history to re-age my account. Even though the account is missing several years of payment history, the timeline as to when the account should be deleted, under the current late payment history is close, within a few months. Accordingly, I request your bank to do a full review of my payment history, and not delete any late payment history in the process. If there were any additional late payments not posted, then I am within my rights to have the trade line deleted permanently. I understand that your bank must comply with the rules and guidelines of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. There is currently no collection enforcement that can be accomplished due to the rules within my state of residence. If my husband is the responsible party on the account, and I was just an authorizer user, then I respectfully request the deletion of the trade line. There should be a definitive deletion date within the 7-year rule to this account. However, I believe that since your bank has cut off several years of payment history, there is a high level of probability that the account should have been deleted years ago. Please comply within the rules as well as your banks subscriber agreement with all three pertinent credit reporting agencies. PLEASE DELETE THIS ACCOUNT PERMANENTLY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AZ

Complaint narrative:
Company who sold the debt to FCO was unlawful and broke Washington state law. Pursuant to the RLTA RCW 59.18.280 we never received a formal move out statement stating the amount owed within 21 days. To date we have not received a formal move out notice after multiple requests, and this is 2.5 years later.

There was no move out statement mailed which RCW 59.18.280 1b specifically states. According to the same RCW, tenant is entitled to a full refund of their deposit when this procedure has not been followed. We are requesting our full refund to be returned due to unlawful procedure on XXXX XXXX, XXXX XXXX part. 

We are specifically disputing unlawful practices, as this debt was never lawfully able to be sold. Our law firm has requested multiple times to show proof they followed the RCW code which both XXXX and FCO daily to deliver. 

This debt is completely unlawful and we are demanding that this unlawful attempts to collect a debt not owed is stopped, and our refund is initiated according to RCW 59.18.280

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 2018-12-27 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: FL

Complaint narrative:
I recently received mail from TransUnion regarding a previous dispute. They did not delete accounts that contained OBVIOUS INACCURACIES AND VIOLATIONS. Still reporting are unknown accounts, accounts reporting concurrently as " open and " closed '', re-aged accounts, accounts with conflicting dates. For example, please tell me how an account was open on both the XXXX of a month AND the XXXX of a month??? How is this an example of a " verified '' " accurate reporting '' of an account??? I've also added several XXXX accounts that I just noticed are reporting negatively for 2012. I was always on top of deadlines and called this company all the time often WAY ahead of time, even when they were still XXXX XXXX. I always filed paperwork on time if needed. Also, XXXX has never mentioned an issue with my account and has literally made up a story about supposed lateness in 2012 and supposed calls they made to ME. In addition -- and most importantly -- XXXX  has not ever provided me bank statement / transaction proof of supposed late payments ( AS THE LAW REQUIRES ) -- BECAUSE IT NEVER HAPPENED! I was never late! See attachment, which also includes my  identifying information.

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 2018-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2018 I tried to use the ATM and was notified that my account was in a review process due to fraud. Customer service ( chase ) notified me they had the right to not disclose anymore information and that my account would be closed in 10 business days ( they did not know 10 days from what day either ). On XX/XX/XXXX, my direct deposit from my employer came in ( I was not able to stop it from being deposited, in such short notice ). That day I called them because it was not being reflected in my balance and they told me that I had to wait 2 business days for them to review its validity ( which sadly was during XXXX when I needed access to my check ). I waited 2 business days since they promised that once cleared I can call them back for them to authorize a local branch to let me withdraw my funds. However, when I called again, On XX/XX/2018, they told me that the account was now in process of closing and they could not grant any branch permission to give me my money! Now I had to wait and additional 10 business days from check issue date to get my money ( I don't even know when they will decide to issue me a check, they don't know either! ) I am very upset, because to begin with I know they closed my account because I filed a claim with them due to their ATM eating my cash deposit on XX/XX/2018. The next day, they retaliated against me and closed my account. Giving me only 10 business days to change direct deposits and ACH/check debits from an account I have had for more than 12 years! They also chose the worse time of the year to do this and held my paycheck ( which is clearly legit money ) hostage for  so long. Now, I am short my whole paycheck throwing me off completely and not letting me pay my mortgage. They have caused so many problems for me because of their abuse of power. It is very unfair that they pick on common citizens like myself with no kind of remorse.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
While looking at my credit report under the 3 major reporting companies, for example Trans Union, I  noticed they all had reported me as being under a Chapter XXXX on one account or another. I was under a Chapter XXXX from XXXX  until this year when it was discharged on XXXX. I had my attorney write a letter to them but it's still shows up as a Chapter XXXX on some of the account reports. My ex wife filed a Chapter XXXX in XXXX of this year just before the Chapter XXXX was discharged but that had nothing to do with me or my Chapter XXXX per my attorney and the bankruptcy trustee since the Chapter XXXX was separated between us.

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 2018-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
The CFPB closed my prior complaint number ending in XXXX due to XXXX a subsidiary of Lake View Loan Serving because it stated that it only acts as the disbursement center of my payments however that is not true. 

This company ( XXXX ), is the only link available to the ME the borrower/consumer. The telephone number given to me by XXXX leads right back to XXXX. There needs to be an investigation into both the parent company and the subsidiary. 

There is supposed to compliance under Dodd-Frank Act to protect the rights and interests of consumers and to be able to contact the actual lender. 

Lakeview and XXXX practices are deceptive. Further, the Company ( s ) is not accounting for my payments correctly nor providing information on how much is being paid to the two different insurance companies or why there are two different insurance companies in the first place that they are paying on supposed my behalf. 

Lastly, XXXX would not allow me to be placed in a loan modification on or about XX/XX/2018.

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 2018-12-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Knight Adjustment Bureau
State: WA

Complaint narrative:
I was served papers by an officer and I was told to contact the collection agency. When I contacted them I was transferred to the representative at Knight Adjustment that was  handling my case, XXXX was her name. She told me that I should let the judgement go through because I was going to lose anyway and that in return she would make sure that I was not charged the interest or fees usually associated with a judgement. As long as I made the {$50.00} monthly payment and was also required to be put on a 6 month recurring payment plan. I asked if it could be lowered to {$25.00} a month and she said no. I told her I would have to figure some things out, and call her back. She told me to call back within the week otherwise the deal would be invalid. This took place sometime around or before XX/XX/XXXX. I called back a few days later ( all of these conversations should have been recorded, as stated every time I called, as well as every time I called to renew my 6 month recurring payment plan ) and agreed to the terms. She took my {$50.00} over the phone and set me up with my initial recurring payment plan. Every time I would call to set up a payment, I would inquire about the balance, and she would always state that it was lowering. I ended up moving to Washington State ( XX/XX/XXXX ) and in that process, I noticed that my recurring payment plan had lapsed, so I called XXXX to set it up again, let her know that I had moved but didn't have a permanent address yet, and to inquire about the balance again. Everything was good until six months from that time to set up my recurring payment plan again. I called again to talk to XXXX, and was told she was no longer with the company and someone else would help me. I asked about my balance, and it was over {$10000.00}, which was nowhere near the balance I was told six months before which was around {$2000.00}. I asked the new representative how that was possible, and they stated it was the interest and fees that had been collecting on the account. Something that was withheld from me and stated by XXXX, their representative as something that was not going to incur. I was also told that they could not take my payment because I had moved out of their area, even though they had been taking them for 6 months, and knew that I had moved. I am not the original creditor on the account, I am the co-signer, and they had the account transferred to a company here in Washington State, even though the original creditor lives in Utah, and the debt is now almost {$20000.00} with the new fees and interests.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I received a {$200.00} loan from XXXX XXXX XXXX on XX/XX/XXXX. I made {$60.00} payments bi-weekly that applied towards the interest, until I could no longer afford to. On XX/XX/XXXX, I entered a debt settlement program with XXXX XXXX XXXX, to help pay off all of my outstanding debts. The balance on the account at the time was {$350.00} by XX/XX/XXXX ( it included the principle, {$90.00} past due, and {$60.00} finance charge ). The account was sold to a debt collection company : National Credit Adjusters. XXXX XXXX XXXX negotiated a settlement amount of {$150.00} with NCA. The settled balance was paid in full and I received a debt settlement letter on XX/XX/XXXX. 
Today, XX/XX/XXXX, I received two calls and voicemails from a XXXX XXXX. The message stated : This is XXXX XXXX contacting ( my name ). You are being notified of a claim in our office that is being filed against you, we will be verifying your current address as well as place of employment for delivery of documentation. At this time it is your legal right to contact our office directly at XXXX again XXXX or press one to be connected immediately this will serve as an official notification by phone. 

I returned the call and spoke with a XXXX XXXX, who stated that he is with a mediation company called XXXX and XXXX has sent my account to them for an outstanding balance of {$450.00}. I informed him that they are attempting to collect on a debt that is past the staute of limitations, amd more important the account had been paid off. I offered to mail them a letter showing that the account had been settled and paid. He then said that the statute of limitations does not apply to them, because of my attempt to defraud and scheme XXXX. I informed him, that there was no fraud or scheme, because I paid the debt off in XXXX and would mail them a letter proving this. He then began asking me for my account number for XXXX, so I asked for the mailing address to send the PIF letter. He said the mailing address is XXXX. XXXX XXXX, XXXX, AZ XXXX. After that, he asked for the account number again. I asked him to give me moment to look for it. He told me I was stalling ( I was actually looking through my email for the account number ) and since I could not provide the account number, I would now be charged {$2500.00} which included the past due fee of {$450.00}, late fees, and legal fees. I disconnected the call once I felt suspicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2018-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX  and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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