vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
To whom it may concern : I have reached out to your FREEDOM MORTGAGE customer service department on numerous occasions without any resolution to my problem nor do I even get a callback. 

At issue, I have made numerous EXTRA - FULL payments on my mortgage, account number. 

I wanted these payments applied in such a way that my mortgage would be PAID AHEAD by ( 6 ) months. 

Instead, the funds were applied supposedly to the principle. 

Since the funds were NOT applied to my account in the manner I intended, I have requested the funds be RETURNED/REFUNDED. 

To date, I have only received a REFUND check in the amount of $ XXXXXX which is MUCH LESS than the amounts of my OVERPAYMENTS. 

But, my bigger concern is that my ACCOUNT HISTORY is so jumbled up with Primary Payments, Payments, Reversals, and Payment Suspense line items, it is extremely difficult for your Representatives to read my account. 

This is extremely FRUSTRATING, not to mention the RUDE treatment exhibited by your representatives because they can't seem to figure it out ; as if it's my fault and like I'm being a nuisance for even wanting them to research it. 

Again, with each phone call, I am told by the representative the account will be sent to the CASH DEPARTMENT to assess the situation and that someone will get back to me. 

Of course, no one ever does ... 

So, what I want is to have an accountant look over my account line-item for line-item, starting from XX/XX/XXXX to current XX/XX/XXXX. 

After this, I then would like a PROMPT REFUND of my sizeable EXTRA-CASH FUNDS for the monies not applied as I intended. 

I am at the point where I have a DISTRUST of your firm and I am researching ways to REFINANCE my mortgage. 

I am also researching ways on who and what organizations I need to contact in order to have Freedom Mortgage and your bookkeeping practices investigated. 

I am looking for a SWIFT RESOLUTION to this matter.

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 2020-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I purchased a pair of {$1000.00} dollar sneakers from the XXXX  app on XX/XX/2019, which turned out to be illegal replicas. I talked to my bank and they did not side with me even after I provided evidence that XXXX  confirmed the pair of sneakers were inauthentic. Mind you, XXXX  app has atrocious customer service and no phone number for customer service, only chat rooms that take days and weeks to reply. It is frustrating that I was give the chargeback money initially, but had it taken back for no clear reason. I am in debt because of this and I will not be able to pay back the negative balance because I am in college and do not work, I live off of financial aid. Truly, I have been scammed by an ostensibly reputable company. They supposedly sell authentic shoes 100 % of the time, but many people have complained about fakes, and unfortunately I can not get a refund directly from XXXX  simple because they were used. Does that seem right? A company gets away with giving me illegal counterfeit shoes priced over 1k simply because they are used and not new? I was hoping to resell them once I had bought them, but unfortunately the potential buyer I tried to resell to noted they were fakes right away. I threw them away as soon as I could once I knew they were fake, because I morally am against breaking the law and selling replica shoes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
This account was dismissed with prejudice. Who is going to fixmy credit score? I would like to receive costs for at attorney and defomation and punitive damages etc. Why are there 2 case numbers to the same case? I did not even know about this account. But it does look like american express accepted a payment after they closed the account already.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I contacted XXXX  about Wells Fargo on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX about this fraudulent account that's reporting on my credit report. Wells Fargo never provided me with any documentation proving that this account is mine. I also provided an FTC Report and sent several certified letters.

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 2020-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
XXXX XXXX called XXXX finance to inquire about 2-3 month deferment due to financial hardship because of this worldwide COVID-19. Was told to call back because car payment wasn't due until XXXX XXXX. Called again this morning XXXX XXXX to ask for the same thing due to financial difficulties. Was told there was nothing they could do or as they said and extension which is similar to a deferment. Asked when will I be able to pay or I can pay half. The representative stated that in order for me not to incur any interest that I should pay something. As if I didn't explain to her that due to unforeseen circumstances of the worldwide Pandemic that's affecting millions. I didn't get any type of assistance what so ever from the company. As you can see by the information they have put up saying they are here to assist during this time yet there hasn't been any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: IL

Complaint narrative:
These are not my accounts, and I also didn't authorize these credit inquiries. My name is also incorrect and is not 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 2020-04-10 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: Glennon Law Firm, LLC
State: KY

Complaint narrative:
This account was dismissed with prejudice. Who is going to fixmy credit score? I would like to receive costs for at attorney and defomation and punitive damages etc. Why are there 2 case numbers to the same case? I did not even know about this account. But it does look like XXXX XXXX accepted a payment after they closed the account already.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: ZWICKER & ASSOCIATES
State: KY

Complaint narrative:
This account was dismissed with prejudice. Who is going to fixmy credit score? I would like to receive costs for at attorney and defomation and punitive damages etc. Why are there 2 case numbers to the same case? I did not even know about this account. But it does look like XXXX XXXX accepted a payment after they closed the account already.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: FL

Complaint narrative:
This is a huge problem with LexisNexis, they can lie to insurance companies about anyone so the insurance co can charge you more money. This is fraud in the worst way because it's legal and nobody cares who it effects. My insurance premium has been adversely affected by LexisNexis with no reason code or description. This must happen to millions of people for homes, vehicles, boats, motorcycles and more. This co needs to be put out of business. How can they do this to our Veterans and the most financial secure people in this country. They have been getting away with this for years. I wish I could sue them for every extra $ XXXX had to pay over the lowest available premium. Lets see what all my years of Tax money can do for me and my family and countless others ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted Equifax about XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX about this fraudulent account that's reporting on my credit report. XXXX XXXX never provided me with any documentation proving that this account is mine. I also provided an FTC Report and sent several certified letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: IL

Complaint narrative:
These are not my accounts, and I also didn't authorize these credit inquiries. My name is also incorrect and is not 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 2020-04-10 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: IL

Complaint narrative:
These are not my accounts, and I also didn't authorize these credit inquiries. My name is also incorrect and is not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I contacted XXXX  about CITI on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX about this fraudulent account that's reporting on my credit report. XXXX XXXX never provided me with any documentation proving that this account is mine. I also provided an FTC Report and sent several certified letters.

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 2020-04-10 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: IL

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-04-10 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: IL

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-04-10 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: IL

Complaint narrative:
These are not my accounts. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I HAVE READ THE FEDERAL FAIR CREDIT REPORTING ACT AND IN THE LAW, CONGRESS SPECIFICALLY SAYS A CONSUMER ONLY NEED PROVIDE PROPER IDENTIFICATION. YET, EXPERIAN DENIED ME A CREDIT REPORT BECAUSE THEY STATED THE FCRA REQUIRES ME TO PROVIDE A UTILITY BILL. PLEASE HAVE THEM SHOW ME IN THE ACTUAL LAW WHERE IT STATES I MUST PROVIDE A UTILITY BILL. A FRAUD ALERT WAS PLACED WITH EXPERIAN IN LATE XX/XX/XXXX. I AM ENTITLED TO 2 FREE CREDIT REPORTS WITHIN A YEAR.

MY BIRTHDAY IS XX/XX/XXXX AND MY PREVIOUS ADDRESS HAS BEEN XXXX XXXX XXXX, XXXX, CA 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 2020-04-10 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 HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. I HAVE FILED SEVERAL COMPLAINTS ON YOUR BUREAU FOR DEADLINE VIOLATIONS WITH THE CFPB XXXX CONSUMER FINANCIAL PROTECTION BUREAU ) I ALSO NEED THE SINGLE ACCOUNT LISTED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO NEVER LATE I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE OVER THREE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUES UNDER THE FCRA. 
I HAVE AN ESCROW PENDING AND THE BELOW ACCOUNTS ARE HINDERING MY LOAN APPROVAL. THE VALUE AMOUNT IS {XXXX}. IF THESE ACCOUNTS ARE NOT DELETED BY XXXX. I WILL HAVE TO INITIATE LITIGATION WITH THE ASSISTANCE OF XXXX XXXX XXXX XXXX. THIS LAW FIRM. SPECIALIZES IN FCRA VIOLATIONS

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 2020-04-10 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: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. I HAVE FILED SEVERAL COMPLAINTS ON YOUR BUREAU FOR DEADLINE VIOLATIONS WITH THE CFPB XXXX CONSUMER FINANCIAL PROTECTION BUREAU ) I ALSO NEED THE SINGLE ACCOUNT LISTED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO NEVER LATE I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE OVER THREE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUES UNDER THE FCRA. 
I HAVE AN ESCROW PENDING AND THE BELOW ACCOUNTS ARE HINDERING MY LOAN APPROVAL. THE VALUE AMOUNT IS {$850000.00}. IF THESE ACCOUNTS ARE NOT DELETED BY XXXX. I WILL HAVE TO INITIATE LITIGATION WITH THE ASSISTANCE OF XXXX XXXX XXXX XXXX. THIS LAW FIRM. SPECIALIZES IN FCRA VIOLATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I closed this account on XXXX XXXX as this bank gave my Daughter a card on my account in XXXX but in XXXX they refused to add my wife to the account the whole bill owed is my daughters debt none of it is mine XXXX XXXX I made a payment to catch account up of XXXX this paid it up thru XX/XX/XXXX these is were the fun begins see on XX/XX/XXXX my credit report should balance of XXXX then I get a statement dated XX/XX/XXXX showing previous balance XXXX and new balance XXXX then on my credit report dated XX/XX/XXXX it shows XXXX balance then when I called the bank it says balance XXXX payment due XXXX the statement claims payment due is XXXX funny thing is I paid the payment on XX/XX/XXXX due XX/XX/XXXX of XXXX they never process the payment tell XX/XX/XXXX, they also report that last week on my daughter credit report balance was XXXX then this week it shows XXXX yet they claim they don't report this info on my daughters report this came from their executive office until this bank can explain all these why payments were made not processed why the five different balances for XX/XX/XXXX I will not pay any more payments to this bill as a XXXX Veteran they are trying to make pay money I do not owe them as I stated this bill is 100 % my Daughters who they gave a card to this bank and the people that work their are full of XXXX last person I spoke to on XX/XX/XXXX she keep saying let 's keep this professional when I ask question my daughter and my wife were both listening this is what they do refuse to answer questions when asked about all the above. and please note Balances went up XXXX XX/XX/XXXX thru XXXX XX/XX/XXXX XXXX then from XXXX XX/XX/XXXX thru XXXX XX/XX/XXXX up XXXX then from XXXX XX/XX/XXXX thru XX/XX/XXXX it went up XXXX why the big difference then on XXXX XX/XX/XXXX I made the XXXX payment which yes my daughter now owes us but from XXXX XXXXThru XXXX XX/XX/XXXX it went down XXXX from XXXX to XXXX so this bill went up XXXX in XX/XX/XXXX when account is closed and payment was made even with everything how did this account go up XXXX after payment was made from XXXX to XXXX they refuse to explain this issue that's why I'm claiming their trying to rep me off of fees and money I do not owe even though the whole bill owed is not mine right now I'm paying the bill for my daughter and like I say I'm not paying another penny to this bank period!!!!!

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 2020-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
I spoke to XXXX at New Rez Loan Servicing at XXXX XXXX  this eve, XX/XX/XXXX regarding forbearance on my loan # XXXX. I applied for Forbearance/Deferment as per the CARES ACT online on XX/XX/XXXX and uploaded all required docs as per their website. 
1 ) New Rez Borrower assistance form 2 ) DODD FRANK disclosure 3 ) XXXX 4 ) Bank Stmt 5 ) LOE on my income loss Tonight when I spoke with this representative via phone she used scare tactics with me and alluded to the fact that I can ONLY get 3 months forbearance and that she knew nothing about the CARES ACT and that after 3 months my options would be : 1 ) pay back the 3 months in full 2 ) Loan Modification for a 40 YR term and add 3 months to principal 3 ) Payment Plan I am gravely concerned because the CARES ACT specifically states up to 180 days and not 90 which this lady indicated.In addition, how does one pay back this amount in 90 days when they have 100 % loss of income a a sole proprietor? I do believe she was trying to get me withdraw my application by giving me grim hope of any relief and help. In addition NEW REZ is asking for documents not required by the CARES ACT to provide if hardship was due to COVID19. I am attaching their doc request forms directly from thier loan portal and proof I uploaded this. I have also received correspondence asking me to sign authorization for credit and income. WHY? this is not required. See all uploaded docs and screen shots of what I provided and mailed back. 

CARES ACT reads : if you experience financial hardship due to the coronavirus pandemic, you have a right to request a forbearance for up to 180 days. You also have the right to request one extension for another up to 180 days. You must contact your loan servicer to request this forbearance. There will be no additional fees, penalties or additional interest ( beyond scheduled amounts ) added to your account. You do not need to submit additional documentation to qualify other than your claim to have a pandemic-related financial hardship. 

I am asking for CFPB to investigate this servicer and their internal practices of FEAR based lending to their borrowers. It is especially important now more than ever when many of us are vulnerable, feel helpless and need financial help so as to keep our home. I would much rather be working and paying my bills then having to feel lost and abandoned. It is unfair and somewhat discriminatory against those of us who are in this position to make us feel like we have no options and to ask for documents not legally required in CARES ACT. They should be fined for this privacy issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
The debt collector is LVNV FUNDING LLC, XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Original creditor I got a card that had a limit of {$300.00}, they charged me {$2.00} which put it over the limit of {$300.00}. 
Over the 2 years i have had it has gone up to {$750.00} and is on all my reports. 

Open balance This account has been on my credit for years, i have had it removed many times, buy they keep putting it back on

Company response to consumer: Closed with explanation