vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: DE

Complaint narrative:
I reached out at the beginning of XXXX to inquire about mortgage forbearance and found that Freedom Mortgage was giving out incorrect information in accordance with the CARES act. I submitted a complaint on here about this, and it was listed as resolved, however it was not resolved. Freedom Mortgage put me into a mortgage forbearance plan WITHOUT MY KNOWLEDGE OR CONSENT and placed my account under the loss mitigation department. As a result, I have been unable to make a payment on my mortgage for the entire month of XXXX and am now being reported as 30 days late. This is inaccurate however because I started a work order with XXXX from Freedom Mortgage ( ID # XXXX ) on XX/XX/2020 to release my account from forbearance so that I could make my payment. I was promised per that conversation that my account would be release from forbearance by XX/XX/2020 so that I could make my payment and not be marked as late. That date came and went, I called on XX/XX/2020 and spoke with XXXX ( ID # XXXX ). She informed me that she wasn't sure why it wasn't done yet, and to call back in a couple of days if it didn't get removed. I then called today, XX/XX/2020 and have yet to get an answer from anyone. My call gets " transferred '' to the loss mitigation department and no one ever picks up.

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 2020-04-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ALL " CRA '' CONTINUE TO VIOLATE " FCRA '' SECTION 604,607,609, 611, 614, 615 AND 623 WITH REPORTING SAME ACCOUNTS 3X/ RE-APPERANCE OF INCORRECT DATA INFORMATION AND NOT MY ACCOUNTS : '' XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX ... REPORTING INACCURATE AND NON- " PERMISSIBLE PURPOSES '' ..

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 2020-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
Hello my name is XXXX XXXX and I was currently a home owner of my house in XXXX XXXX XXXX XXXX XXXX fl XXXX. I was on a mortgage with XXXX XXXX and they sold to a company called RUSH MOORE I was giving my payments every month and apparently they didnt receive the payments but I have proof of the payments as well as my bank is doing an investigation and found an off shore account, please help up investigate the company and ask them to reopen cases to stop the sale of the home that they are trying to sell now. 
We been living in a hotel for 9 months with no one to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: CT

Complaint narrative:
My Mercedes Benz account number is XXXX. I called Mercedes Benz and advised them that I was not working due to COVID19 and agreed to defer 3 payments under the circumstances. My account is allegedly deferred but they are still reporting late payments to my credit bureau for the months of XX/XX/XXXX 30 days, and XX/XX/XXXX 60 6days with a past due amount of {$2600.00}. I received a call on XX/XX/2020 from MBFS saying they were calling to help me with my account due to COVID19. I was confused because I had already contacted them last month for assistance, so that was a red flag for me especially with the erroneous credit reporting that is not even suppose to be happing under the current CARE ACT. The rep. XXXX advised me she would be calling me back regarding my account. 

Heard back from XXXX today and she basically said they were not going to be doing anything to fix my credit or report the correct information, and told me to disputed with the credit bureaus, and she was suppose to have called me back on XX/XX/2020. 

I advised her I would be making this complaint because my credit is being ruined and they are not following the present order in place to protect consumers. My account was positive and now they are reporting it negative after they LIED and told me the payments they were reporting are deferred payments. Does not make since.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: LA

Complaint narrative:
American Honda Finance is reporting inaccurate information about the payment history associated with this account on all 3 credit bureaus. The information is inaccurate for the years of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on all 3 bureaus. This company is in violation of FCRA 623aB in that information must be reported to all bureaus accurately. Clearly they have violated this FCRA623aB. Attached are the inaccurate information reported to each bureau and also a letter that states that this information must be removed due to violation of FCRA623aB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I was a first time home purchaser in XX/XX/2004, with a XXXX FICO score, with healthy reserves, and I purchased a house in XXXX GA. 

I have have a myriad of problems at this time possibly due to predatory lending and as I look deeper, I am finding a host of inconsistencies and issues unbeknownst to me, which had led me to call my mortgage servicer, JP Morgan Chase. Unfortunately, due to this Covid 19 pandemic, the wait time is approximately 3.5 hours and I have waited 2 cycles, unsucessfully. I attempted today to call, however to no avail. So much Idle time has gone by and I am feeling a bit frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I use autopay to pay credit card bills. I had selected the option of paying full balance after noting that previously only minimum amount was selected to be paid. 

Despite that however, on XXXX XXXX, only minimum amount due was paid to my credit card. Both credit card and my bank account are with Bank of America. Later, an interest was charged to my account. 

I called them and explained that I had selected that full amount be charged from my account. They verified that that was the case. However, they said that such changes can take up to one month to take into effect. 

I countered that regardless, my intent has been and still is to pay in full balance. And so interest charged should be removed. I do not recall being informed that the changes take one month to take effect. 

Neither banking department or credit card department can resolve the issue and would refer me to the other department

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 2020-04-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: OH

Complaint narrative:
I need a new card issued and I was on hold 5 hours!!! Lady answers she ca't help me. I followed the step that it said to follow to get the new card and to change the address.. WHAT DO YOU MEAN YOU CAN'T HELP.. sorry .. On to the next call 3 hours later system down ... NO HELP AGAIN.. had them try to call me.. Ok, this would work if the people calling you back would let you answer before they hang up.. NO JOKE HAD MY PHONE IN MY HAND 2 times and went to answer.. they hung up before i could push the button.. I have now been on hold again for 2 hours .. Lady answer.. GUESS WHAT.. She can't help transferred me to another location now I have been on hold for 2 more hours.. OHHHH WAIT.. she told me just to do this with automated system on line.. NO XXXX XXXX XXXX XXXX .. If my card was not lost and I would do that!!!!! I ask her for my account # she can't give that to me for security reason. DEAR LORD HELP ME!!! lol First, I want to say I know times are hard and I do appreciate everything people are doing to help .. But WHY is this so hard just to get a new card issued!!

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 2020-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
I have a mortgage with Axos Bank. As a result of COVID19 and mandatory order to stay home, I am unable to generate income and asked the bank to provide me with a mortgage forbearance for six month. I made this request in XXXX and was provided one month forbearance for the month of XXXX. I repeatedly asked them to extend the period and via email was told to look into refinance, the CARES ACT does not apply to them and ignored me. I also noticed today my FICO was dropped by 60 70 point by XXXX. 

I told them issue is that Im unable to generate income as a result of uncontrolled mandatory requirement by government to stay home. Im unable to make income and they are asking me to refinance. 

I have sent them numerous emails and yet to hear from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: Creditor's Collection Service, Inc.
State: NC

Complaint narrative:
I contacted XXXX on XX/XX/XXXX to dispute negative report made by CREDITORS COLLECTION. The closed the dispute and said it was verified. 

I contacted Creditors Collection on XX/XX/XXXX to get an itemized statement of the charges they were reporting. They informed me they did not have a statement. They received the information from a company called XXXX XXXX and I would need to contact them to get the statement. Creditors Collection received the debt information from XXXX XXXX. 

I contacted XXXX XXXX and they said they did not have an itemized statement and directed me back to Creditors Collection. How did XXXX XXXX turn over a debt that they did not have information proving the amount was correct. 

I contacted the original creditor, XXXX XXXX XXXX and they stated they did not have an itemized statement because the debt had been turned over to collections. 

How did XXXX verify a debt without any basis of the amount owed other than a collection agency saying it was valid?

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 2020-04-30 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: PA

Complaint narrative:
I have an account on my file from the XXXX XXXX XXXX. ( Account number XXXX ) I disputed this account for being outside of the 7 year federal obsolescence period for remaining on the file. The bureaus removed it. 

One month later the account came back on my file. XXXX XXXX changed the data on the account to put it back into the obsolescence period ... but didn't count on the fact that I have copied the way the account looked on the bureaus before and after it was removed. 

I have attached two copies of how this account appeared on my file. In XXXX, you can clearly see that the last payment ( the date used to determine the obsolescence time period ) shows as XXXX of XXXX. Since the credit bureau industry uses 6 years and 9 months instead of 7 years ( to assure they remain in compliance ), it was properly removed. 

But XXXX XXXX then CHANGED the data on the account. They removed the last payment date entirely and then deleted all historical payment date prior to XXXX. Thus giving a new obsolescence date. 

Now the FCRA provides two levels of non-compliance. 1 ) Negligent Non-Compliance where someone just makes a mistake. 2 ) Willful Non-Compliance where someone manipulates data to trick the system. The second non-compliance holds that a consumer make seek damages. 

It is clear that the XXXX XXXX XXXX is manipulating data to put items BACK on consumers files in violation of federal law. This should be a class action lawsuit as I am sure this is happening to any of their customers whose collections are removed for obsolescence reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: LD Holdings Group, LLC
State: WA

Complaint narrative:
Today, on XX/XX/2020, I had my credit pulled without my authorization by the company Loan Depot. My husband and I are attempting a refinance, and we told the loan officer we did not want any hard polls on our credit until we could see the numbers. I was told on the phone that this would not happen. Not 10 minutes after getting off the phone, I got an alert that my credit was pulled by his company. My credit score dropped 3 points do to this unauthorized pull.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-30 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: IN

Complaint narrative:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX  XXXX {$590.00} XXXX XXXX XXXX {$250.00} XXXX XXXX   XXXX {$540.00} XXXX XXXX XXXXXXXX {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate information about the payment history associated with this account on all 3 credit bureaus. The information is inaccurate for the years of XXXX, XXXX, XXXX, and XXXX on all 3 bureaus. This company is in violation of FCRA 623aB in that information must be reported to all bureaus accurately. Clearly they have violated this FCRA623aB. Attached are the inaccurate information reported to each bureau and also a letter that states that this information must be removed due to violation of FCRA623aB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate information about the payment history associated with this account on all 3 credit bureaus. The information is inaccurate for the years of XXXX, XXXX, XXXX, and XXXX on all 3 bureaus. This company is in violation of FCRA XXXX in that information must be reported to all bureaus accurately. Clearly they have violated this FCRA623aB. Attached are the inaccurate information reported to each bureau and also a letter that states that this information must be removed due to violation of FCRA623aB.

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 2020-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ALL " CRA '' CONTINUE TO VIOLATE " FCRA '' SECTION 604,607,609, 611, 614, 615 AND 623 WITH REPORTING SAME ACCOUNTS 3X/ RE-APPERANCE OF INCORRECT DATA INFORMATION AND NOT MY ACCOUNTS : '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX ... REPORTING INACCURATE AND NON- " PERMISSIBLE PURPOSES '' 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 2020-04-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
ALL " CRA '' CONTINUE TO VIOLATE " FCRA '' SECTION 604,607,609, 611, 614, 615 AND 623 WITH REPORTING SAME ACCOUNTS 3X/ RE-APPERANCE OF INCORRECT DATA INFORMATION AND NOT MY ACCOUNTS : '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX ... REPORTING INACCURATE AND NON- " PERMISSIBLE PURPOSES '' XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am disputing this information. And seeking reports free from EQUIFAX and XXXX  and XXXX XXXX, because they are also reporting inaccurate information. It's also a violation of my hippa rights .To third parties such as credit karma etc, its preventing me from getting proper housing XXXX, XXXX XXXX OH XXXX, XXXX , TXXXXX, XXXX XXXX NCXXXX, XXXX , TXXXXX XXXX, XXXX XXXX OHXXXX XXXX, XXXX , NC XXXX, XXXX XXXX NCXXXX  XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Never done business with these companies XXXX XXXX XXXX XXXX XXXX # XXXX XXXX listed twice with misspelled name XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Prime Recovery LLC
State: SC

Complaint narrative:
A collection agent from Prime XXXX called last night to my phone after XXXX. It was XXXX to be exact. I am a XXXX  in a busy ER and not able to speak on my phone. This collector then called the emergency room at XXXX and spoke to a coworker then asked for me. When I did speak to her she threatened wage garnishment on a debt I have no clue about. First of all it was after the time she should legally call. Second of all during a pandemic we are not allowed to take personal calls in an emergency room. The collector should not have contacted me after XXXX and should not be calling an er. I attached the screen shot of the call and time

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-30 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: IN

Complaint narrative:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$250.00} XXXX XXXX   XXXX {$540.00} XXXX XXXX XXXX {$130.00}

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 2020-04-30 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: IN

Complaint narrative:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX {$590.00} XXXX XXXX  XXXX {$250.00} XXXX XXXX   XXXX {$540.00} XXXX XXXX XXXX {$130.00}

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 2020-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.

Complaint narrative:
I get fraud through remitly USXXXX amount l reported this incident to XXXX bank they told me to deal with remitly so l email to customer care then they gave me XXXX consumer site l correspond with them but l didn't get any feedback.the transaction number XXXX XXXX dated XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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 was informed by my banker ( 10 years ) that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 

XXXX XXXX {$330.00} XXXX XXXX {$1100.00} XXXX  XXXX {$1500.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$8500.00}

Company response to consumer: Closed with explanation