vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: MO

Complaint narrative:
In XX/XX/XXXX, I filed bankruptcy. I also signed a reaffirmation agreement for my home loan and my auto loan. Ever since, Freedom Mortgage, my home loan servicer, has not reported to the credit agencies, and has reported my open, existing loan, that I continue to pay for and I continue to be in possession of the property, as a closed account. This account is very much open and I am very much still paying on the mortgage. I called Freedom Mortgage on several attempts to rectify the situation with no luck. My most recent attempts were the last week of XXXX, when I spoke with a customer service representative, they said they opened a case on it. I followed up on XX/XX/XXXX, there was no notes in the account that I am trying to get a resolution. The girl stated she sent it to their legal department, she said she researched my file and was able to find my reaffirmation agreement. She stated that I would hear from the mortgage company by the next Tuesday. The following Wednesday approached and I still had not heard anything. I called Wednesday the XXXX and spoke with a supervisor that said he can not do anything, nor can he provide me contact information for their legal department. I followed up with another phone call XX/XX/XXXX and there still is no action.

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 2021-03-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Franklin Credit Management Corporation
State: KY

Complaint narrative:
Dear Sir or Madame I would officially like to lodge a complaint with Consumer Financial Protection Bureau against Franklin Credit Management for harassment and excess garnishment of wages from a past predatory concealed balloon mortgage payment. 
On about XXXX, I was coerced into accepting a loan for a condominium ( XXXX L : XXXX XXXX # XXXX XXXX Florida XXXX ). My wife and I knew it would be tough to hold down a home with a 1st and 2nd mortgage totaling {$1900.00} on property with HOA fees of 7XXXX per quarter. ( 100 % financed XXXX We resisted accepting the mortgage thru the seller XXXX XXXX, but like most people the opportunity to own a home is every Americans dream. About the same time the economy was starting to slide and home prices would eventually tank. My wife lost her job at a diabetic supply company, but I was still employed at the county government ( {$1200.00} biweekly ). We carried the mortgage for about 3 years, but eventually fell behind. First to suffer was the HOA fees then eventually the mortgage came crashing in on us. We tried loan mods that were being offered at that time but, the bank on the XXXX on the first loan complied abut eventually we missed another payment so it was cancelled., the second mortgage company Franklin Credit Management ( FCM ) wasnt as forthright with any modifications. 
Facing foreclosure, our next plan was to do execute a short sale. That was arranged and presented to XXXX and FCM. Both balk at he short sale price and he home went o foreclosure. 
Fast forward to XXXX I get served for garnishment of wages for the second mortgage from FCM. {$61000.00}. It took me from that incident back in XXXX to the present to finally get my credit back on track, only to have FCM come after me for that second mortgage loan. When presented with original loan docs during the court remediation. It showed that I signed a balloon payment second mortgage. I swear to XXXX, I would have never signed a balloon payment second mortgage on purpose. I really believe they tricked me. That would be ass-nine!!! I swear to this day there were some hidden objectives then with this2nd mortgage in addition to the coercion that we faced. I think this may have been predatory loan. 
I reached a mediation with via the courts, but they instead got a court ordered garnishment hat is taking more than 25 % of my income on a bi weekly basis How can they go out of business in XXXX filing bankruptcy, then come out of bankruptcy and come after me? For a loan they probably got waved thru bankruptcy. 
Can you CFPB help me with investigating Franklin Credit Management for unfair loan practices that involve coercion, mis-information and mis-leading loan practices? 
I have contacted an attorney to help with wage garnishment. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: Conn's, Inc.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXXXXXX  ( Original Creditor : XXXX XXXX ) XXXX**** ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: WAKEFIELD & ASSOCIATES, INC.
State: OH

Complaint narrative:
THIS COMPANY HAS BEEN CAUGHT PUTTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT BEFORE! AND HERE THEY GO AGAIN! THEY DID NOT EVEN SEND ME A LETTER OR NOTICE FOR THIS SO CALLED ACCOUNT THAT I AM UNAWARE OF! THIS ACCOUNT JUST POPS UP ON MY CREDIT REPORT! THAT IS A VIOLATION! 15 USC 1681 ( N ) ( B ) ALSO I AM DEMANDING FOR THE WRITTEN CONSENT/ CONTRACT WITH MY SIGNATURE SAYING THAT I GAVE THEM THE RIGHT TO ACCESS MY MEDICAL RECORDS AS WELL AS PERMISSION TO REPORT ANYTHING TO MY CREDIT REPORT! BECAUSE WHERE DID THIS ACCOUNT COME FROM???!!! I AM CONFIDENT THAT WAKEFIELD & ASSOCIATES IS A PREDATORY COMPANY WHO HAS MULTIPLE VIOLATIONS FOR FRAUDULENT REPORTING!!! THIS IS UNACCEPTABLE!!! SOMETHING NEEDS TO BE DONE ABOUT THIS COMPANY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: VA

Complaint narrative:
I called US Bank on XX/XX/21 to redeem or cash out a fully matured XXXX CD valued at {$160000.00}. This process was not smooth and I was dropped or put on hold several times throughout the request, which was done via telephone. In the end, as the recorded conversation with prove ( my daughter was also present on the line ), I requested that the check be sent to my home address. Having not received it by XX/XX/21, I called US Bank to ask for an update. Again, I was put on hold for an hour and repeatedly disconnected when asked to speak to a supervisor. I was told there was an error processing the check, but never provided assurance that I would be receiving my money. It is impossible to speak with anyone competent at US Bank and I fear that I am being taken advantage of due to my advanced age. Requests for a callback from a supervisor have not been answered.

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 2021-03-23 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX is reporting inaccurate information on my credit report for all three credit bureaus XXXX, TransUnion and XXXX. The company is reporting different dates and account information and balance to all three credit bureaus. I have been trying to get them to help me with this situation since XX/XX/2020 no one has gotten back to me and all they keep putting on letters they send is " information updated or valid. '' Every time I ask them for paper work they never respond. This is unprofessional and unacceptable. I also submitted a complaint with them 3 times already and they keep saying my name XXXX XXXX is not an authorized user to ask for info which makes 0 sense because why are they reporting this now fraudualant account on my credit report? Three things are wrong here ... this car was my fathers who passed away, 2. this car I know my father had with GAP insurance so there is no way he still owed the money and 3. They are reporting inaccurate information for years. 

Ive given you guys ample time prior to filing this complaint. Im sure you can imagine what Im going through since the loss of my father. I am trying to move forward but can not due to this negative factor. This goes totally against the FCRA laws this is a violation. Attached you can see all the inaccuracies from my identity IQ subscription I get monthly prooving the difference. Update at once, Ive also reached out to a fcra lawyer since you guys have leaved me pretty much no choice.

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 2021-03-23 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: AFNI INC.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... AFNI ( Original Creditor : 11 XXXX ) XXXX ... XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: National Credit Systems,Inc.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ... NATLCRSYS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Westlake Services, LLC
State: IN

Complaint narrative:
a lawsuit was filed against me in a state i never lived in and never signed paperwork in i was married it was in our divorce decree that ex was to take over all debts on auto and refinance ex did not do that, the XXXX XXXX XXXX hired a attorneys in Ohio to handle the loan debt, the Law firm filed a suit on me with a false address In OH In XX/XX/2020 the law firm used an address that i never lived at nor that i know of, I have lived in Indiana for XXXX yrs. I was never served.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The mortgage company applies the majority of my payment to interest and very little to principal. According to my XX/XX/XXXX XXXX statement, my payment was {$600.00}. {$200.00} was applied to the principal and XXXX was interest. Some months Chase charges for escrow although I pay my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: TX

Complaint narrative:
The account keep appearing on my credit. the account is removed then reinserted with a different amount owed. 2 weeks ago the account was removed with a different balance but is now reporting again. The account has been proven aver and over again to not be mine. I'm going through this every single month and every month it is removed. please remove again. Please remove and block account XX/XX/XXXX account number XXXX with balance of XXXX. This account is not mine. I shouldn't have to do disputes monthly for this.

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 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CARMEL FINANCIAL CORPORATION, INC.
State: IL

Complaint narrative:
Ive pulled my credit report & noticed a few unauthorized hard inquiries on my credit profile that wasnt to my knowledge nor do I have any business with these companies nor did I give any consent to these companies to run my credit. My assumption is someone had gotten my personal information and tried to apply for something against my consent & knowledge. The INQUIRIES IM REFERRING TO IS : Company : Date of Inquiry : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX. XXXX 4. XXXX XXXX ( I contacted these companies and they werent able to verify my information nor did they even have my information in their system and recommended me to contact the credit bureaus to remove these inquiries but as I contacted the credit bureaus they claimed that I need to file a police report to get the inquiries removed which I did and I do have the police report number if requested ( will be included in attachments )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
In XX/XX/XXXX, I filed bankruptcy. I also signed a reaffirmation agreement for my home loan and my auto loan. Ever since, XXXX XXXX, my home loan servicer, has not reported to the credit agencies, and has reported my open, existing loan, that I continue to pay for and I continue to be in possession of the property, as a closed account. This account is very much open and I am very much still paying on the mortgage. I called XXXX XXXX  on several attempts to rectify the situation with no luck. My most recent attempts were the last week of XXXX, when I spoke with a customer service representative, they said they opened a case on it. I followed up on XX/XX/XXXX, there was no notes in the account that I am trying to get a resolution. The girl stated she sent it to their legal department, she said she researched my file and was able to find my reaffirmation agreement. She stated that I would hear from the mortgage company by the next Tuesday. The following Wednesday approached and I still had not heard anything. I called Wednesday the XXXX and spoke with a supervisor that said he can not do anything, nor can he provide me contact information for their legal department. I followed up with another phone call XX/XX/XXXX and there still is no action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bridgecrest Acceptance Corporation
State: MS

Complaint narrative:
Hi, I have been with bridgecrest all for over two years now. And during the pandemic they were saying that they were going to make accommodations. And it was nice, except they were still reporting to the credit bureau. This company completely misrepresented The accommodations. Even when I spoke directly to more than one representative, they told me that I would not be reported to the credit bureau if I paid X amount. I did what I was supposed to do on my end but I still ended up being reported and 30 points on my credit dropped. I would like something done about this, it should be illegal, we are still in a pandemic and they are still reporting late payments even with payment arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: IN

Complaint narrative:
Home buying is supposed to be a happy and exciting process, for us it hasnt been thanks to PRMI to be more specific XXXX XXXX. She has single handedly sabotaged our closing on our first house. She was upset that we switched lenders and fraudly got a case file on our house and put in incorrect information intentionally to stop our process, which has so far worked because this is the third time our closing has been delayed thanks to her fraudulent ways. I personally called her boss, XXXX XXXX, who was polite but very dissmissive of our complaints and seen that XXXX did no wrong. XXXX isnt the word, im livid and just outright upset that my family which include two small children are still living in an apartment complex that has a shooting every night and has had our personal vehicles vandalized because XXXX wouldnt take no for an answer. She needs to be fired and her boss needs to pay attention to how she is ruining dreams for innocent people.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Did Not authorize companies for inquiry and do not recognize companies ALLY FINANCIAL Auto Financing Companies Inquiry date : XX/XX/2020 2020

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 2021-03-23 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: TX

Complaint narrative:
The account keep appearing on my credit. the account is removed then reinserted with a different amount owed. 2 weeks ago the account was removed with a different balance but is now reporting again. The account has been proven aver and over again to not be mine. I'm going through this every single month and every month it is removed. please remove again. Please remove and block account fedloan account number XXXX with balance of XXXX. This account is not mine. I shouldn't have to do disputes monthly for this.

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 2021-03-23 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: TX

Complaint narrative:
The account keep appearing on my credit. the account is removed then reinserted with a different amount owed. 2 weeks ago the account was removed with a different balance but is now reporting again. The account has been proven aver and over again to not be mine. I'm going through this every single month and every month it is removed. please remove again. Please remove and block account XXXX  account number XXXX with balance of XXXX. This account is not mine. I shouldn't have to do disputes monthly for this.

Company response to consumer: Closed with explanation