vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
Notified on XX/XX/XXXX that there was an escrow account shortage on my loan. Offered a interest rate reduction refinance to lower my monthly payment to make up for the shortage and soften the blow of what was to be an 85 % INCREASE in my payment ( from {$1100.00} a month to {$1800.00} a month ) Worked with the IRS to subordinate a federal tax lien to be able to do the refi. After weeks of no response I was told I no longer qualified for the refinance without explanation. Mid XXXX, requested and was approved for a 48 month spread on the escrow account shortage. 7 phone calls, countless emails and mailed correspondence to correct this error have been ignored. 
Since then, my monthly mortgage payment has increased with no response to my requests to rectify this. 

I called to request a 48-month escrow spread for a shortage on XX/XX/XXXX. I was told at that time that this was approved and would be reflected on my account by XX/XX/XXXX. 
Since then, my monthly mortgage payment has increased 85 %, no response to my requests to rectify this. 
On XX/XX/XXXX I called and logged in to see this had not been updated, it had not. 

Again on XX/XX/XXXX I called and logged in to see this had not been updated, it had not. 

I again called Freedom directly and spoke with someone who confirmed the error and advised that I call back the next day and this should be fixed. 

I did indeed call back on XX/XX/XXXX and XX/XX/XXXX to Freedom and this still had not been resolved. I was told on XX/XX/XXXX that a new ticket has been created and this should be escalated to be addressed and fixed. 

It is at that time that I made the new estimated payment of {$1500.00} with the representative over the phone to make sure I wouldnt incur a late fee or mark on my credit report. Payment was made, cleared and is showing in suspense. 

As of today, XX/XX/XXXX, the status is still incorrect, late fees are assessed and account is showing delinquent. Those fees are incorrectly imposed, the delinquent status is incorrectly imposed.

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 2020-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
Commercial acceptance company or XXXX XXXX XXXX XXXX XXXX has been reporting to my credit report stating I owe {$150.00} for an ambulance ride or services that I never received. I did not call out the ambulance and when they arrived i denied services. I also was on state medical insurance from PA at the time of incident. XX/XX/2017. I was an XXXX  XXXX victim on that day. This company harrassed me at all times when they had my phone number and would send out letters as well to me. I again never used or contacted them for services. if they need to charge someone then please have them charge the neighbor who origionally called for services without my consent or knowledge. i have disputed this on my credit reports with no success. Please help me allievate this from my credit report as i am the victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
To begin with, this is not the first time I have been attempting to remove the incorrect personal information on my credit reports. My first dispute towards removing the erroneous information was on : XX/XX/2019. Nothing was ever done, I even sent it notarized letters ( twice ) to all agencies : XXXX, XXXX, & Transunion in order to correct the inconsistencies on my report. My name is XXXX XXXX XXXX XXXX XXXX, That is the way it should reflect on my credit reports. The way I see it reflecting is wrong such as : XXXX XXXX XXXX ( XXXX ) / XXXX XXXX XXXX ( XXXX ) / XXXX XXXX XXXX ( TRANSUNION ). I demand to know the reason why this information hasn't been updated or changed at all. According to the FCRA, if the information is not verifiable, accurate, nor complete it would have to be changed immediately. Please correct the information as soon as possible, thank you.

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 2020-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
To begin with, this is not the first time I have been attempting to remove the incorrect personal information on my credit reports. My first dispute towards removing the erroneous information was on : XX/XX/2019. Nothing was ever done, I even sent it notarized letters ( twice ) to all agencies : XXXX, Experian, & XXXX in order to correct the inconsistencies on my report. My name is XXXX XXXX XXXX XXXX XXXX, That is the way it should reflect on my credit reports. The way I see it reflecting is wrong such as : XXXX XXXX XXXX ( XXXX ) / XXXX XXXX XXXX ( EXPERIAN ) / XXXX XXXX XXXX ( XXXX  ). I demand to know the reason why this information hasn't been updated or changed at all. According to the FCRA, if the information is not verifiable, accurate, nor complete it would have to be changed immediately. Please correct the information as soon as possible, thank you.

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 2020-05-04 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: CARRINGTON MORTGAGE SERVICES, LLC
State: CO

Complaint narrative:
My company uses a third party for online payments.. 
The account was set up prior to the payment being late but at some point the account number was entered incorrectly by the third party. 
Carrington made attempts to contact us but their incoming calls were labeled as potential spam by my cell phone carrier and so i never recieved them and they never left a message for some reason on the initial calls. 
It was only after seeing a message had been left that t I called back and was able to make the payment but by then it was reporting as 30 days late. 
I was notified by Carrington of the error in entering the account number and protested at that time that it be count it as paid as agreed since it was obviously the third party 's error. This is now affecting my ability to get the best interest rate on a home loan and in fact i can not even get approved so it is a very serious matter. Please help me resolve this as i have exhausted all other options. Going to the company, the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
At the time the Corona virus was starting to affect me in early XXXX all banks I work with extended relief and proactively offered to work to delay payments with no consequence. As a result I held onto cash until I could determine the degree I will be affected, and did not pay many accounts until late XXXX. 

For my line of credit with XXXX XXXX, this meant I delayed payment until XX/XX/XXXX ( 2 payments ) and XX/XX/XXXX totaling {$1400.00}. I used XXXX own online system for these payments, and was surprised there is a 2 day delay in an internal transfer showing up even though its the same bank. On XX/XX/XXXX, XXXX reported me as late even though the reason is Covid, and my credit score dropped significantly. XXXX tells me I was required to proactively submit a request form but did not communicate this to me. Over the long term, XXXX does not proactively notify me when a payment is coming up for my line of credit or credit card accounts, even though they own both. For all other accounts in online banking ( like XXXX XXXX XXXX ) I get notification. XXXX ' approach is to use a phone call which gets marked " Spam '' to call me, and there is no message left. This has directly resulted in 4 total cases, with my credit score significantly affected as a result. I request the most recent case as well as the 3 prior late payments showing from XXXX to be corrected.

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 2020-05-04 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
At the time the Corona virus was starting to affect me in early XXXX all banks I work with extended relief and proactively offered to work to delay payments with no consequence. As a result I held onto cash until I could determine the degree I will be affected, and did not pay many accounts until late XXXX. 

For my line of credit with XXXX XXXX, this meant I delayed payment until XX/XX/XXXX ( 2 payments ) and XX/XX/XXXX totaling {$1400.00}. I used XXXX own online system for these payments, and was surprised there is a 2 day delay in an internal transfer showing up even though its the same bank. On XX/XX/XXXX, XXXX reported me as late even though the reason is Covid, and my credit score dropped significantly. XXXX tells me I was required to proactively submit a request form but did not communicate this to me. Over the long term, XXXX does not proactively notify me when a payment is coming up for my line of credit or credit card accounts, even though they own both. For all other accounts in online banking ( like XXXX XXXX XXXX ) I get notification. XXXX ' approach is to use a phone call which gets marked " Spam '' to call me, and there is no message left. This has directly resulted in 4 total cases, with my credit score significantly affected as a result. I request the most recent case as well as the 3 prior late payments showing from XXXX to be corrected.

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 2020-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Midwest Recovery Systems
State: VA

Complaint narrative:
I have a delinquent account that has shown up in my credit report from XXXX of XXXX and XXXX of XXXX that's from different recovery companies but the same original company that I have know idea when I used there services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: AR

Complaint narrative:
I found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX  XXXX {$160.00} XXXX XXXX XXXX {$910.00}

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 2020-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2020 I received a refund of {$46.00} from XXXX. I called TD Bank to see if the refund was applied. They reviewed my claim for a credit and XX/XX/2020 they reversed the merchants decision. I called the company as late as XX/XX/2020 and they told me they refunded my money. Meanwhile I get my mini-statements from TD Bank and they show the {$46.00} on 4 statements as 2 debits and 2 credits. i keep a " log '' of all my transactions and I am still short {$180.00}. I can't walk a mile to the nearest bank so I keep calling and wait upwards of 30 minutes on the phone ; still can't get through. I told the Federal Trade Commission every month for 2 months and they gave me your number and website.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr. Cooper received my mortgage loan payoff on XX/XX/2020. Mr. Cooper was paid {$2700.00} over the payoff amount. Mr. Cooper shows this amount as an " escrow other. '' Today, XX/XX/2020, per their phone rep from Texas ( XXXX ), refunds can take up to 30 days. XXXX could not tell me when I would get my money only that it was in-process. The last refinance I did took less than a week for settled funds to be returned to me. 

Mr. Cooper is keeping customer 's money much longer than necessary and this is an outrageous practice especially when compared to other industry practice. I continue to wait for my funds. 

I hope CFPB will this issue in case this is a trend by Mr. Cooper. Mr. Cooper should not enrich themselves by keeping their customer 's funds and earning interest of these funds for longer than is necessary. I think Mr. Cooper needs a friendly kick in the pants so the company understands it should return settled funds promptly. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$220.00} XXXX XXXX {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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:
show tooltip button XXXX  XXXXDispute XXXX  XXXXDispute XXXX XXXX  XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute ftc file number attched with the violations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I have ( 2 ) VA XXXX Loans serviced by Carrington Mortgage Services. We were current on our loans prior to the GA Governor issuing a " stay at home '' order. I have requested Covid-19 assistance from the servicer with a 3 month forbearance multiple times. The requests were made XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. I have made the attestation that we have been impacted by the Virus as required by the Cares Act. They have charged late fees and are now requesting a 6 page application be submitted along with a tax return, paystubs, and bank statements to even consider offering any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$220.00} XXXX XXXX {$110.00}

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 2020-05-04 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$220.00} XXXX XXXX {$110.00}

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 2020-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern : As of my dispute, your agency is in outright violation of the FCRA.

Specifically, the following : 1. Exceeding the 30-day requirement to respond 2. Willfully using delay tactics and not sending reports 3. Not responding at all Please see items in dispute below and immediately remove from my credit file INQUIRIES XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX   XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX/XXXX  XX/XX/2018 unauthorized XXXX  XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX/XXXX/XXXX  XX/XX/2018 unauthorized XXXX/XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX/XXXX/XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX   XX/XX/2018 unauthorized PUBLIC FILINGS US BKPT CT IL XXXX   XXXX not mine Identification already on file, no changes, please notice your internal notes, please notify me of what is suspicious about this request. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

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 2020-05-04 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I really do not know where to begin but to start by saying my credit reports are a train wreck. After filling a consumers complaint with the Consumer Financial Protection Bureau ( CFPB ). Things have gotten crazy with my XXXX, Equifax, and XXXX credit reports. 
Now suddenly XXXX has me as my mother 's name and has my real name as an allis name. Equifax has me as another name as well but with a different name, all females names. After filing disputes about them merging my mother 's credit file onto mines, the account has been removed but still showing my mother 's name on my consumer credit file. 
The ( CFPB ) told me that XXXX said, and I quote The company responded that you may have been a victim of fraud. but XXXX  has not told me the same thing that was told to the CFPB, until this date, I still have not heard anything from XXXX. This has nothing to do with fraud but errors that these credit reporting has caused and the only thing they can say is fraud and not taking the responsibility of what they did to me. 
At first, I could not understand why I was been denied credit because from seeing my recent credit reports just last week, I did not see what I am seeing now. I fully understand now, why the FTC says that the FTC study found that about 25 % of consumers had an error on one of their credit reports, and 5 % were paying higher interest rates because of those mistakes. 
Now Equifax is showing an XXXX on my consumer credit report in a different name as well as XXXX is still showing my mother 's name under my social security number. This is again, not fraud, this is their employees merging our accounts together. 
I personally have all of these : Name misspellings ( common when family members share similar names ), Duplicate accounts, Incorrect accounts, Fraudulent accounts, Information or accounts from an ex-spouse, Incorrect payment statuses, Outdated information ( like negative accounts over seven years old ), Incorrect date of first delinquency on a collection account and re-insertion of accounts I disputed and was removed years ago, Equifax. 
It is so amazing to me about what Equifax is doing to me because I just sued them back in 2018 and won. Yesterday I just mailed off my disputes again to XXXX, Equifax, and XXXX, not knowing what I found out today. 
I keep going through this with these credit bureaus, from suing them to filing disputes on constant basic but you would think they would at least try to do the right thing and not be so money hungry. Stop putting your employees mistakes on the consumers.

Company response to consumer: Closed with explanation