vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WI

Complaint narrative:
I have been a customer of Freedom Mortgage for almost 10 years now. Always paying my mortgage on time and independently escrowing for my property taxes. Then the errors by Freedom Mortgage began : In late 2018, Freedom Mortgage erroneously paid my 2018 property taxes claiming that they were delinquent. 

Property taxes arent due until XXXX of the following year ( see attached ) I contacted Freedom Mortgage in late 2018 to discuss this and was transferred to the Tax Department. 

The Tax Department claimed in late 2018 that my taxes were indeed delinquent and paid my 2018 property taxes for that reason. 

Explaining this over and over and over again, including with a supervisor, I was unable to get anywhere with this even after faxing over my tax bill attached. 

Then with that payment, Freedom Mortgage began to ESCROW for future taxes on my account. 

This was an erroneous next step seeing that my 2018 or any prior years taxes have never been delinquent. 

I have continued to pay my monthly mortgage payments of {$1500.00} and have been independently escrowing my property taxes. 

I contacted Freedom Mortgage several times, sent in an email with proof to the customer care email as prescribed by the customer service person over the phone ( never getting a response to ) In this email, I asked to remit payment for the 2018 taxes and get ESCROW removed from my account No response from Freedom Mortgage After getting a dedicated teller, I still have never talked to the actual teller assigned to my account. 

All of this time, Freedom Mortgage has never gotten someone to see the error they made and have continued to charge me erroneous fees and have continued to erroneously ESCROW my property taxes ( accruing fees on that ). They say I owe them over {$16000.00} when I have NEVER missed a Principal and Intersest payment in 10 years.

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 2020-01-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
ACCOUNTS DO NOT BELONG TO ME

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 2020-01-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
ACCOUNTS DO NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-01-10 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-01-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC
State: CA

Complaint narrative:
I received a loan of {$4000.00} to be paid back @ {$250.00} every 2 weeks. 
Instead of the loan going down after XXXX payments my loan amount went up to {$4500.00} I was informed that they charge a " Per Diem '' fee of anywhere from {$16.00} to {$20.00} per day till the loan is paid off. My APR was set at 148.03 %. I was also told some people are charged up to 299 % APR fee. Is this legal? I believe this company is offering predatory loans.If I pay them according to the way they are charging me the loan pay back is {$11000.00}. 

Please Help before they ruin my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND NOTICED THAT THERE IS AN INACCURATE ACCOUNT THAT IS BEING REPORTED ON MY CREDIT. THE ACCOUNT DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-01-10 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: CO

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( XXXX ) days past due on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a transaction history on this account and it clearly shows that I have never missed a payment. More importantly, this transaction history shows that monthly payments were made PRIOR to the late fees being assessed. There is a consistent pattern of late fees being charged AFTER a payment was made! This false reporting of lates is seriously harming my credit score and these lates need to be removed from my credit report. I have contacted the bank and the ( 3 ) bureaus to remove these lates however, I have not been successful.

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 2020-01-10 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: CO

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly that I am ( XXXX ) days past due on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a transaction history on this account and it clearly shows that I have never missed a payment. More importantly, this transaction history shows that monthly payments were made PRIOR to the late fees being assessed. There is a consistent pattern of late fees being charged AFTER a payment was made! This false reporting of lates is seriously harming my credit score and these lates need to be removed from my credit report. I have contacted the bank and the ( 3 ) bureaus to remove these lates however, I have not been successful.

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 2020-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have been receiving phone calls from various numbers associated with Portfolio Recovery for over two years now. They rarely leave a message and I have never received anything in writing stating what debt it is that I owe. They will also call XXXX or 5 times back to back and outside of the allowed times

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
When I spoke to a representative from Capital One ( can verify a date from Customer ID # XXXX ) about where to send the amount I can afford to pay because of a family unforeseen occurrence. Capital One associate clearly told me they understood and I have to make payments to Capital One to another mailing address. I have been making payments on the {$5300.00} since XX/XX/2019. 

I am the bread butter for my family and I have reached out to financial advisers and this was the repayment plan that is affordable until I get my total debt of {$42000.00} under control.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio recovery has called me 4 times in 2 minutes. This is while I was at work in the XXXX XXXX. I find it as being harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Since XX/XX/2019, when my identity and cards were stolen, Citi has reissued new credit card numbers and cards for my Costco credit card account, but has repeatedly allowed the thief to make purchases on XXXX using THE NEW NUMBERS because the credit card is somehow automatically updating. We think the thief, XXXX XXXX, who poses as a XXXX XXXX and XXXX from XXXX, is an XXXX  getting deliveries of XXXX. I'm tired from constantly getting fraud alerts and sitting on hold refuting new charges he makes. Now there are new fraudulent charges on my statement. XXXX has used the number XXXX. XXXX voice number.

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 2020-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I used XXXX XXXX ( XXXX ) for an XXXX  problem back in the summer .I was billed {$680.00} and let them know that I was paying {$200.00} installments. They were ok with it. After I paid it off I received a letter from a collection agency CMRE that I owe {$280.00}. I called them and talked to a representative called XXXX and asked me to send my bank statements to prove it. That was XX/XX/2019. She told me I would receive a payoff statement. I have not received that payoff statement yet. The funds have cleared my account and there is no reason for me not to have received my payoff statement after 2 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA

Complaint narrative:
Complaint # XXXX This complaint is not resolved. The loan servicer continues to send me incorrect information in response to the Question " Who owns my loan? '' Rushmore has told me the owner is XXXX XXXX  on approximately 10 occasions. However, XXXX XXXX  has clearly told me and Rushmore that they are not the owner nor does XXXX XXXX  have any authority to make any decisions regarding my loan. This also conflicts with Rushmore 's statement 's as Rushmore has told me they speak with the owner regarding the decisions on my loan - including loan modification, payment proposals, and foreclosure. 

Please help me as Rushmore continues to give me the wrong information and then pretends the issue is resolved. An incorrect response is not acceptable.

Please help me get this resolved as Rushmore has also made multiple miscalculations on my loan balance and is then using this incorrect information to begin Foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been receiving phone calls from various numbers associated with XXXX XXXX for over two years now. They rarely leave a message and I have never received anything in writing stating what debt it is that I owe. They will also call XXXX or 5 times back to back and outside of the allowed times

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Mr. XXXX used XXXX from Ally Bank to send Mr. XXXX {$400.00} on XX/XX/XXXX. Mr. XXXX waited 3 days before receiving a notification that the money was sent. 2 days later, Mr XXXX was notified that the transaction was declined manually by Ally bank. According to his bank XXXX XXXX XXXX. after a week of waiting around the money has not been recieved be Mr. XXXX or Mr. XXXX. After 2 more weeks of waiting both banks are now pointing their fingers at each other and at XX/XX/XXXX we are choosing to file a complaint.

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 2020-01-10 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:
inquires part of my ftc that i sent already need the inquires to come off the dealership shot my credit all over the place without my permission XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX twice XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I made a XXXX page ( for adoption with partner/fiance ) never done it before, not thinking correct someone said they could help me out said they were going to send me a check to my XXXX and all I have to do is print it out and mobile deposit it to my bank account so me not knowing considering I have never even done this or heard of this before I did it. I couldn't pay my rent, landlord, credit card bills, XXXX bills national grid bill plus all on top of that they took my debit / XXXX bank card from XXXX XXXX away because they have to do all that just in case. Me not knowing I never did this before so they took my debit card away for a month I was and still am backed up on bills. That is crazy come to find out it's multiple people sending fraudulent checks and getting the recipients to look like it's all their fault because we mobile deposited it. I didn't even know you could do that I never did this before I thought someone was actually being nice and helping my fiance and I out. Nope it screwed me I'm still screwed I'm still backed up on bills I had to apply for a new bank just because my account was so backed up this is not fair. The check was supposed to be for {$400.00}, I go to check it it says {$1200.00} they said okay just mobile deposit it once it clears send me the rest of the money back. Clearly wasn't thinking right because nobody has ever scammed me before but it happened and I'm sure they have bank account numbers hopefully not my social or anything of that kind. Please do something about this because I am in debt because of this! I even wrote to Chase Bank it was a JPMorgan check. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
Rushmore Loan Management Services are currently servicing my mortgage loan on behalf of the loan investors and XXXX XXXX is the loss mitigation officer in charge of my loan. The week prior to XXXX I contacted Rushore to speak to them about a payment agreement to allow me to catch up with my mortgage payments ; I did not wish to modify my loan because my current mortgage loan rate is very very good! In XXXX I mailed to Rushmore a mortgage payment less than the monthly loan payment because there was an unapplied balance. The check was returned to me ; I attempted to mail another check with the full monthly payment and that check was also returned to me. When I called to start a payment plan with XXXX, we reviewed my current wages and monthly obligations, initially there was not enough income available to process a payment plan ; at that time I said that I may have some additional income if I were to withdraw from my XXXX plan with a penalty. The plan was discussed with XXXX who told me she would present it to the investors and get back to me by the tuesday before XXXX ; I never received a call from her or any paperwork regarding the loan payment plan ; at that time I mailed a loan payment worth 2 monthly payments in order to begin catching up ; I have mailed another payment equal to a monthly payment plus more ; both checks were cashed ; XXXX said that I should modify ; I refused to modify because my new loan rate w/b XXXX higher than my current mtg rate making mtg payments impossible for me to pay! 
on XX/XX/XXXX I received a letter from XXXX ( see attached ) saying that I defaulted on my payment plan! Which payment plan? I never received any paperwork from her ragarding said " payment plan '' ; one of the bullet points says that the payment that was due XX/XX/XXXX was not met! I did not even call Rushmore to talk about a payment plan until XX/XX/XXXX! Actually there are a number of points on the letter that dont even apply to my situation as none of the bullets point are really marked! none of the points really apply to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: FACTUAL DATA CORP.
State: TX

Complaint narrative:
inquires part of my ftc that i sent already need the inquires to come off the dealership shot my credit all over the place without my permission XXXX XXXX XXXX classic XXXX XXXX XXXX XXXX XXXX XXXX  XXXX twice XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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:
inquires part of my ftc that i sent already need the inquires to come off the dealership shot my credit all over the place without my permission XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX twice XXXX  XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
They send your private bank account information over un-encrypted email, exposing you to identity theft and fraud. 

I have asked them to stop, no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: CO

Complaint narrative:
I am a victim of identity theft. Previously I supplied a copy of my police report, FTC report, proof of identity, and proof of address. Some of the resulting information was blocked as a result of FCRA 605. However not all the information has been blocked. Therefore, I am again submitting my request. Proof of identity, my identity theft report.

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 2020-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ONEMAIN FINANCE CORPORATION
State: IA

Complaint narrative:
One main financial out of XXXX Iowa called my employment and disclosed who they were and that they were calling to talk with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND NOTICED THAT THERE IS AN INACCURATE ACCOUNT THAT IS BEING REPORTED ON MY CREDIT. THE ACCOUNT DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation