vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
I have had a home loan with Freedom mortgage for about 10 years now and XXXX of this year I received a letter from XXXX County Auditors Office telling me that they were about to auction off one of my properties because of non-payment of properties taxes. I have three partials for my property. I asked witch one and they said the one that my house was on. I told them that I pay my mortgage company to pay my taxes from the escrow. I then called Freedom mortgage and had both Freedom mortgage and XXXX County Auditors Office on the phone at the same time. Come to find out that they have not paid taxes on that property in about 8 years. But I have had them for 10 years so how it fell off Freedom mortgage did not know. I now owe over {$13000.00} in back taxes and Freedom mortgage this month raised my monthly payment from {$1300.00} to {$3100.00} to cover back taxes. I called Freedom mortgage several times to get help and was told that if I didnt pay the {$3100.00} this month it will show on my credit report as nonpayment. I also explained what I found on the internet about ( RESPA ) but they didnt care to hear it! I cant make these payments so we are about to lose our home that just last month put {$15000.00} into a new roof, driveway and new kitchen. We need help PLEASE. My loan number is XXXX I live at XXXX XXXX XXXX XXXX Ohio XXXX. Can you help? My cell number is XXXX my email is XXXXXXXXXXXX

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 2017-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
My information was compromised due to the Equifax negligence. I contacted Equifax about this information. Equifax has granted the TrustedID program and waiving the freeze fee by Equifax. However, there are other agencies where my information is at risk due to what Equifax has done. I have to put a freeze on my account with those agencies as well. Those freezes cost money. Equifax should cover the fees of putting these freezes on my account with other agencies because without the negligence from Equifax I would not have to put these freezes on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: OH

Complaint narrative:
On XX/XX/XXXX, I sent a certified letter to TransUnion credit bureau disputing a debt for one XXXX XXXX XXXX in the amount of {$8000.00}. After 30 days per the FCRA TransUnion reported the data was verified and accurate. On XX/XX/XXXX, I sent another certified letter to TransUnion in accordance with the FCRA requesting the methods of verification used in accordance with the FCRA. TransUnion failed to provide this information which is a violation of the FCRA. On XX/XX/XXXX, I contacted TransUnion via phone and requested once again the method of verification in response to TransUnion 's credit report stating " verified as accurate and updated '' File # XXXX. I reiterated by asking TransUnion to provide the name, address, and the telephone number of each person contacted regarding this alleged account. On XX/XX/XXXX, I received another credit report from TransUnion ( same file # ) but this CBR had the same creditor listed twice, as if the debt was totaling {$16000.00}. TransUnion did not re-investigated my dispute, as the CBR sent, was dated the same day of my call. AsI reiterated in my certified letters, and call to TransUnion, any automated response or XXXX verification is unacceptable. TransUnion must provide documents bearing my signature that the debt is valid. As of the writing of this complaint TransUnion has failed to respond to my request. Thus,, TransUnion is providing inaccurate, unverifiable information on my CBR and is violation of state and local credit reporting laws, as well as violating the FCRA. There is also a separate complaint against the creditor.

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 2017-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I decided to put a freeze on all three of my credit reports. I received a letter from my loan organization, XXXX XXXX Bank, with the 3 web addresses listed on them to freeze my files. I did XXXX and XXXX first, which was so simple I could n't believe it. When I went to TransUnion 's web site, www.transunion.com, I went to the left bottom of the page where it had a link " TU Credit Lock. '' Having done it twice already on the previous 2 credit sites, I proceeded to put in my information. Well, on the right side of the page, in a block that is not very large, it says " You have chosen Credit Monitoring for {$19.00} per month. '' Why it did not say this on the very blocks where I was filling out my information instead of on the side of the page, I do not know. Or yes, I do know - TransUnion is tricking people. You think you are putting a lock on your credit report but you are really subscribing to this credit monitoring service. So when I did n't get a PIN number at the end like I did for the previous 2 sites I went into to lock my credit, I called TransUnion and found out that I subscribed to this service. They cancelled it for me, but of course, I HAD TO PAY FOR THIS MONTH. TransUnion is ripping people off with this method. They are tricking people. The other 2 sites are so simple to use. TransUnion should be ashamed of the way they do business. If the link had said " Credit Monitoring Service '' I never would have clicked on it. But it said " TU Credit Lock '' and that 's what I THOUGHT I WAS DOING. DECEIVING!!!!

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 monetary relief
Consumer complaint received 2017-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
On XXXX XXXX, 2017 Phoenix Financial Services placed an account for the amount of {$1800.00} on my credit report in violation of the Fair Credit Reporting Act. Phoenix Financial Services failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account Phoenix Financial Services is  attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF THE WEST
State: AL

Complaint narrative:
Bank of the West never sent the Title for my Boat, Motor, and Trailer after I paid off my loan. I moved and am still in contact with the people living in my old house. They have not received the documents either. 

I 've contacted Bank of the West numerous times and the only thing I got from them was a UCC filing showing the debt satisfied and the lien released. 

I previously had this same problem ( no Title returned ) on a car that was financed through them by a dealer.

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 2017-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
On XXXX XXXX, 2017 Phoenix Financial Services placed an account for the amount of {$82.00} on my credit report in violation of the Fair Credit Reporting Act. Phoenix Financial Services failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account Phoenix Financial Services is attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
When I pulled my XXXX credit back around XX/XX/XXXX I realized that there were multiple Student Loans on my credit report. I contested those loans given I did n't sign as a co-borrower for these loans. I also just finalized a Chapter XXXX bankruptcy. I have my own Federal Student Loan that has been on pause while I was in Bankruptcy. When I logged onto Navient I realized they were listing all of my ex-wives loans on my account as well. I have requested the original promissory notes and it is obvious that at least four of the six promissory note signatures have been forged. I want to take my name off as a co-borrower on these loans. My ex-wife has entered a diversion back in XX/XX/XXXX for forgery charges. In addition, in XX/XX/XXXX she was charged with a misdemeanor and entered into probation for embezzling money as the PTO Treasurer of our daughters school. I simply want my name taken off of these loans as a co-borrower due to forged signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc.
State: GA

Complaint narrative:
On XXXX XXXX, 2017 AR Resources placed an account for the amount of {$1000.00} on my credit report in violation of the Fair Credit Reporting Act. AR Resources failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account AR Resources is attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I recieved a promotional " preapproved '' credit card notice on XX/XX/XXXX. Was declined on XX/XX/XXXX from M & T bank. The language in the application process when I entered in the promo code and supporting information stated that due to the preapproved status it would not be a hit on my credit report if I was declined. I asked the representative on XX/XX/XXXX at around XXXX XXXX after being declined if my credit would be hit she said basically it would but could not say if it would be a soft or hard inquiry. I went to look back at the language of the actual application stating my credit would not be impacted was locked out of the application since it was, completed and given the phone number I just called. I could not see if the terms and conditions were different from the advertising. I think someone should investigate the whole " preapproved '' credit card for existing customers process at M & T to see if they are giving misleading information or maybe blurring the lines to go under the radar of the FCRA. They may be ok here with their terms and conditions but I couldnt review them again due to being locked out of my application to doublecheck and the reps confusion to my request. Thats why I think its worth looking at their whole process to see if they are advertising their offer per the guidelines of the FCRA. Thank you for your time and attention.

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 2017-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
Around XX/XX/XXXXI was contacted by XXXX XXXX XXXX with a program to consolidate my student loans. I signed up, paid an upfront fee and then {$50.00} per month as the program stated after so many years of paying my loan would have {$0.00} balance. In XXXX, I learned that this company did not consolidate my loans and did not make monthly payments on them. They changed my contact information to an address and phone number in California, which I was unaware of. My credit report shows that American Education Services has or had my federal student loans but when I inquire they said that my account number does not exist. Fedloan servicing, now handles AES loans and I contacted them with what had happened. They said that I would just need to log into my account and see if I would qualify for one of their programs. Every time I attempt to log into the account it automatically generates a forebearance request. CFBP filed a law suite against Student Loan Servicing in regards to this and that consumers affected would be contacted. I was never contacted and I am not sure who has my federal loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: POM Recoveries, Inc.
State: TN

Complaint narrative:
The debt was charged off in bankruptcy about 3 to 4 years ago. I have been cussed at. They have called my husband 's and my work. Threaten too have us arrested our severed. Told them to contact my lawyer used. I have tried to call them back with the lawyer and bankruptcy information and was threatened and hung up on. Now they are spoofing phone numbers to try and get us to answer.

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 2017-10-27 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: Navient Solutions, LLC.
State: CO

Complaint narrative:
I have had issues with Navient for several years. They were mandated to remove payment histories from my bankruptcy XXXX from XX/XX/XXXX back to XX/XX/XXXX and still state they dropped the ball and these have n't been removed from my credit report. Only XXXX acct. They refuse to remove the XX/XX/XXXX student lian that was discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
For my XXXX XXXX ... XXXX .... XXXX ... .. The following accounts have been incorrectly reported. 

XXXX not ending in XXXX - There is a social security number variation that looks like XXXX or something. That is NOT correct or mine, and can explain why the following items below are listed. 

XXXX XXXX XXXX XXXX charged off account ) - This charged off account is not mine and needs to be removed immediately. My ex-spurse XXXX XXXX added my name without my permission and signed my name as a co-signer. 

XXXX - This account had unauthorized charges and I had them close it, this should be removed and a {$0.00} balance.

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 2017-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
XXXX XXXX I received a call from XXXX in regards to my XXXX disputes surrounding the provisionary credit they did on my account WRONG > in my last complaint XXXX was closed with a nonsense letter from XXXX XXXX who NEVER CALLED ME to discuss the matter. XXXX impacted this provisionary credit on my account after I was given the refund back from XXXX on XXXX XXXX, they placed the provisionary credit on my account on XXXX XXXX and later charged back for me to pay them back in XXXX. these dates are not reflected on my actual statement this is the recorded discussion that I had on my last call with XXXX. As I have stated from Day 1 there was no need for them to apply the provisionary credit to my account once I got the money back from XXXX. they impacted fees on my account for interest of the bank. this is fraudulent. after arguing with the guy he told me that I was responsible requesting a provisionary credit on my account after the refund was received which is UNTRUE >

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 monetary relief
Consumer complaint received 2017-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
In XXXX to my complain on CFPB website, " Rent Recovery Solutions '' mentioned that Copies of their client 's substantiating documents were sent to the complainant at his request on XXXX/XXXX/XXXX. On phone conversations just this week they clearly mentioned that no documents were sent to me. I am sure they have audio recordings of our conversation why dont they share the full unedited audio recordings with CFPB? 
Also if they sent me the documents I am sure they have the proof. I need the proof that they sent me any document

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was unemployed and missed two payments with this bank on each of my three cards through XXXX XXXX. I made payment arrangements with them for each card. The agreement with them as they stated would also remove any and all associated late fees and added interest for the balance of the cards at the time I scheduled the payment plans for each card as long as each payment was paid as agreed. After the first payments things were paid as my agreement, however payments were never reflected through reporting agencies or balance on cards. I noticed that payments were setup on a temporary account for my first payments on the payment plans. I called in to correct the account to make the withdraw of my next two payments and was told I was all set. Next payment that they tried to withdraw was not processed because they still had n't updated it as requested over the phone and in confirmation from the CS representative. So now all three accounts are even further past due, more collective interest and I 'm over my balances because of all their accumulation of charges NOT MY PURCHASES! This is vastly affecting my ability to get my good credit back and rendering me seemingly helpless getting a better position for work due to my obliterated credit score. This has been going on for weeks and I do n't trust making another payment, updating my information and wasting money that will never apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have asked Equifax several times to add the following to the report after the mistakenly removed it .... 

Please add these back. 

XXXX XXXX XXXX - Monthly payment {$380.00} - Closed XXXX XXXX XXXX - Monthly payment {$550.00} - Currently active. 

XXXX says they are actively reporting it but Equifax deleted these two. Please add back just the two non-fraud GOOD STANDING accounts.
They were removed by mistake, the removed a charged off one properly, but also removed these two which are in great standing. These two being removed hurt my score tremendously. Please add JUST THE TWO ABOVE back. 

I tried talking to the creditors and they said it is properly reporting, so I have to request Equifax adds them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Subject : XXXX - Extras Master Cared - Acct number ending in XXXX CFPB Case XXXX A review of my records shows that the minimum amount due was paid on the billing cycles date. While all payments were received around the same due date, these payments satisfy the minimum amount due. Because the full minimum amount due is accurate, therefore the account should not reflect 30-days past due and report as such to the consumer reporting agencies.

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