vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
Refinanced my home in XXXX, company I dealt with immediately sold my mortgage to ROUNDPOINT ... .. ( why are we given no choice who we do business with? - why are mortgage companies allowed to sell/swap mortgages to whomever they please? ) In XXXX, I opted out of Escrow & my payments went from {$680.00} a month to {$480.00}. Significant Reduction! 
During that process, I found out that ROUNDPOINT & I am sure others, are allowed to overcharge, what they call " padding '' for Escrow funds you borrow from them. ( Why are they allowed to over collect? makes payments Higher than necessary & its more work- they collect too much all year, then refund back, then do it all over again - I am assuming its financially advantageous, otherwise they wouldn't do all that processing ) XX/XX/XXXX - My ins lapsed d/t finding coverage difficulties, thus Mid XXXX I received a letter that I had forced placed Insurance & the policy was BACKDATED to XX/XX/XXXX. ( How is this allowed? Backdating Insurance for anything else is fraud/illegal? ) My escrow was analyzed & my payments went back up to {$680.00}. By XX/XX/XXXX I had my own policy and in XXXX depleted my little savings & sent in funds to cover what I owed in escrow. 
From XXXX forward, because my actions went " outside '' the computer automation process, I have been trying to straighten out my account. 
I was finally told, today, that even though my escrow balance is XXXX & my insurance renewal isnt until XX/XX/XXXX, I am no longer eligible for escrow opt out and ROUNDPOUNT is allowed to collect for escrow funds from this point forward thus increasing my payment to {$680.00} & padding their escrow account. ( Why are borrowers forced to pay Escrow if nothing is owed? - the point of escrow is to " borrow " from the Lender- in my case, I am now paying in advance! No borrowing ) I now have no backup savings which I would NOT have sent in had I been told that one sentence from one person @ ROUNDPOINT months ago. Should I default on my larger payments, it will get me into a deeper financial hole due to ROUNDPOINT adding more fees, Lenders set you up for failure - LOAN SHARK TACTICS ON A CORPORATE LEVEL -- - Lender laws, rules, regulations, requirements & obligations need revised,,,,, borrowers count on our government entities to protect & advocate for us, its not happening, change is needed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Hi - I saw a {$95.00} fee was assessed on my XXXX XXXX account. When I called to inquire as to the reason, I was told that a banker changed my account type to a Platinum Checking, which I never asked to occur. While the phone representative refunded the {$95.00} fee, when I directed the account be restored to the prior account type, with a {$2000.00} minimum balance, I was told that he was unable to assist and I either needed to call the banker who made the account change without my consent or go in person to a branch to solve the issue. 

This resolution does not value my time, nor did Chase attempt to rectify their error, including the unauthorized change in the account type. As such the account still has not been restored to a Business Complete Checking Account. If I have to spend additional time on this, I would like to be compensated for fixing an issue that is entirely caused by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Statebridge Company
State: TX

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
The 3 Credit Bureaus are reporting inaccurate information on WELLS FARGO DEALER SVC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I was called on XX/XX/XXXX I was left a voicemail by a compliance officer and a case number saying there was a pending case against me not stating what for but threatened to have someone come to my place of residence or employment to sign papers still not stating what for when I returned the call the man stated that they were a debt collection agency attempting to collect a debt owed from a company called midland funding I have a collection on my credit for a midland funding so I thought this was the debt and when asked I said yes that is a debt I owe he then proceeded to say it was for a payday loan I received in XXXX. I asked for proof of this debt as I dont recall and he told me that is what the compliance officer is going to give me when he finds me at my place of residence or employment. They have apparently called me multiple times and now they have left that voicemail again not stating where they are calling from and what the debt is until I returned the phone call and still he didnt provide me with adequate information so I can confirm this debt is me. If Im not mistaken they are required to let me know who they are in the voicemail they left that was threatening which they didnt do and I dont believe they are allowed to come to my job for that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12 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: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
The debt is too old and has expired and was not supposed to be placed into a collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
I have a mortage that is being serviced by Rushmore Loan Management Services. My loan does not mature till XXXX but the company keeps insisting that my loan has matures and i need to make a full payment of my mortage dues. I dis not understand the process and i initiated a refinance for my mortgaeg loan based on what Rushmore representatives told me. I started the refi process with XXXX XXXX. In the meanwhile, Rushmore Loan Services refused to accept or allow me to pay my mortage online and kept insisting that i need to pay the entire loan amount due. Apparently according to them the mortage was due on XX/XX/2021. XXXX  XXXX  promised to refi my loan but took longer than two months to process. In the meanwhile, Rushmore reported me delinquent on my current morgage despite the fact that I was willing to pay my mortage dues and they refused insisting that i need to refi in to a new loan. XXXX XXXX  than decided that given i was delinquent on my current loan, they could not give me the refi loan. ITs been a nighmare for me for the past two months. And now when i hired an attorney and reached to Rushmore Loan Managmeent, they prompltly accepted past due on the mortgage but are not taking the derogatory late payment from my credit file. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
CAPITAL ONE- Balance {$0.00} -Date Opened : XX/XX/XXXX CAPITAL ONE BANK USA N-XXXX XXXX Balance {$0.00} -Date Opened : XX/XX/XXXX CAPITAL ONE BANK USA - Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: MD

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have been unable to dispute credit collection claims filed with Experian Prepared For XXXX XXXX, Report Number : XXXX. 

Experian.com/upload have been very problematic because it would not accept my evidences to dispute the fraudulent credit collection claim made by XXXX XXXX through XXXX, XXXX XXXX XXXX is the Community Manager. 

In XX/XX/2021, I chose not to discuss the negative comments/feedbacks regarding my assessments of the poor management of the property by the property management. Thus, I believe XXXX XXXX retaliated to my negative review of the property managment by overcharging and aggresively trying to collect that led to the fraudulent charge and the quick reporting of the charge to the bureaus. Please see the attached " XXXX - A message from XXXX XXXX XXXX complaint ''. 

My lease ended in XX/XX/2021. As shown is my last rent payment confirmation by XXXX XXXX. 
As shown below, I was awaiting a response to the email disputing the charge when XXXX choose not to respond instead filed a fraudulent debt collection claim with the credit bureaus. I consider the filing with Esperian as extortion. I am still awaiting a reply to my Final Account Statement email of XX/XX/2021. 

Disclosing and providing my social security number to the collection agency was not authorized by 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 2021-08-12 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: FL

Complaint narrative:
I have attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Management Control, Inc.
State: TX

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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:
I have a false collection on my account. XXXX XXXX XXXX has never been verified, and the amount determined due to the orginal creditor in court was XXXX dollars.. When I contacted XXXX XXXX XXXX by certified mail, they never responded. However, the company continues to send a fraudulant spreadsheet to companies such as each credit bureau and CFPB claiming that I owe money that is not owed. THEY HAVE NO PROOF THAT I OWE THIS MONEY. I have proven multiple times that the spreasheet they provide is incorrect and does not include things like cashiers checks that were paid to the orginal creditor. I have contacted the credit bureus numerous times as this negative amount is ruining my life. I am unable to get a mortage or have access to credit as this predatory company is destroying my life. I am now suing the orginal creditor in court for their actions that have completely devasted my life. Please help by stopping these companies from reporting inaccurate information that is ruining the lives of people.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CFW Holdings LLC
State: TX

Complaint narrative:
On XX/XX/2021, I took out a payday loan in the amount of {$800.00} fully intending to pay it back. Due to recently contracting XXXX and being unable to work I have been unable to make the payment. A letter dated XX/XX/2021 was sent to them revoking the ACH debit authorization and requesting they do not contact me for collection purposes. They contacted me via text and I replied back, once again, requesting they do not contact me and that the ACH revocation letter had been sent. I also replied with a screen shot of said letter. They contacted me a second time AND tried to debit my bank account, not once but twice thereby causing further damage to my bank account with NSF fees, {$35.00} for each occurrence. A request was made in the letter for them to contact me via US Postal mail or email, not phone contact was permitted and they have not done either. Only contact was via text message.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: NY

Complaint narrative:
I am filling this complaint case to make sure that XXXX will take the necessary action regarding my concern. I have been a victim of Multimillion-Dollar Bank Fraud with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). I have attached the federal documents to review. For your reference regarding my claim. Attached is the article from the Department of Justice article regarding the crime that has been committed. 
Below are the accounts that they opened and are still affecting my credit score. Sadly, all the accounts that they opened ended up as Derogatory, Sold to Collection companies, and Paid but with multiple late payments. I need to make sure that the credit bureaus will review my account and be on top of the investigation. I already disputed this concern with the credit bureaus and still not seeing any results. The people involved in this crime pleaded guilty of their roles in the XXXXXXXX XXXX bank fraud conspiracy and are awaiting sentencing. I know that this situation should be handled by experts so it would be easy for these accounts to be removed from my credit report. I have been under tremendous stress because of this and I need this resolved as soon as possible. I am writing this letter with the highest urgency to be resolved. These accounts can not be in my credit file, these are the result of Financial Fraud therefore I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT. 

1. XXXX XXXX XXXX 2. XXXXXXXX XXXX XXXXXXXX 3. XXXX XXXX 4. XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Improper use of your report — Reporting company used your report improperly
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
I started a mortgage refinance with my current mortgage company - Freedom Mortgage in XX/XX/XXXX. I was told on several occasions that a credit inquiry was not required due to being a current customer. I never authorized a credit inquiry. On XX/XX/XXXX Freedom Mortgage pulled my credit report. I reached out to my loan advisor to find out why this was done XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XXXX. I received 1 response stating that he would escalate my complaint and get back to me and I've not received a response as of XX/XX/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