vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: AR

Complaint narrative:
I am trying to apply for a home equity loan and was denied because my bank XXXX XXXX XXXX XXXX said that I had a second mortgage. 

I contacted MR. Cooper Aka nation star to see what was going on as i have never applied for a second mortgage. During the recession a few years back I applied for a home loan modification along with millions of other Americans and was never told by nation star that it would appear as a second Mortgage. The numbers are not adding up nor making since. There website says i owe XXXX and they extended my loan 20 more years. So how do I have an extension of 20 years plus I owe XXXX plus on top of that XXXX. At the time i was doing my loan modification the young lady never mentioned this. This is deception at its worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My first name is misspelled on my credit report. An address I never lived at is listed on my report. I have tried multiple times to get Equifax to fix it and they claim it is fixed but the wrong past address is still there and they just sent me by USPS a letter addressed to the misspelled first name. 

I filed a complaint with the CFPB a few weeks ago and the company 's response had nothing to do with my complaint. 

Equifax CAN NOT BE TRUSTED with sensitive credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
Harris and Harris debt collection XXXX XXXX XXXX XXXX XXXX, 2020 XXXX XXXX,2020 XX/XX/XXXX2020 XX/XX/2020 XX/XX/2020 Request to stop calling Not our account They continue to call

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/2018, I closed my account with Capital One which I had for 19 years. I paid the balance off in full since I am now retied and do not want multiple credit cards open. The other issue I had with Capital One was their unacceptable security over the handling of my account. Far too many fraudulent transactions that happened and they could not offer any explanation. 

Since that date Capital One has continued to keep the account open and more fraudulent transactions have happened, some overseas transactions XXXX XXXX XXXX. I have attempted numerous times to close my account to no avail. Please let me know I can do to put an end to this issue once and for all. Thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: OR

Complaint narrative:
This complaint is in relation to CFPB Complaint : XXXX I initially filed a complaint because my lender/servicer, Freedom Mortgage, wasn't getting in contact with me about their refinancing programs. Since about the middle of XXXX we've been working towards agreeing to terms and closing on our refinance with Freedom ( after a fair amount of back and forth and rate adjustments/comparisons with XXXX XXXX ). I was told that we'd be closing at the end of XXXX. 

As of today I have spoken to more representatives of Freedom Mortgage than I thought I would ever need to speak with. I've been continuously sent back to underwriting for errors that Freedom admits to such as not providing {$1500.00} in lender credits as it just " disappeared '' off of loan estimate paperwork.

I have now had to pay two additional mortgage payments ( about {$350.00} more per payment than our refinanced monthly payment will be ) for XXXX and XXXX during a pandemic where our dollars are already stretched. I have requested that Freedom Mortgage provide approximately {$700.00} in credits as the loan did not close back in XXXX as promised but have been told I'm already being offered the maximum amount of credits. 

I have been passed around to various employees and have asked to speak with supervisors and managers with very little success. Most people are nice enough on the phone but have not been able to resolve any of my concerns at at this point I believe they are stalling to close our loan in hopes we go elsewhere. 

Thanks! 
-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 2020-11-13 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: VW Credit
State: CA

Complaint narrative:
I leased a XX/XX/XXXX vehicle it had a 36 month term. In XXXX of XX/XX/XXXXmonths before the lease was up I paid the car off. I went to DMV and obtained the lease. 

VW credit XXXX had placed a XXXX balance on my credit report. Ive contacted them numbers times regarding this balance. They say they will remove it and update the status but they never do. As a result my XXXX and XXXX  scores has dropped nearly 100 points! 

This is XXXX XXXX  and XXXX  to say the least. Ive even tried to dispute this through their websites. But there is nothing setup where I can upload the title of the vehicle. Please HELP me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 5 months later, I have not received a response yet. I feel like Im being taken advantage of and being igored of my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been well over 60 days so they should be deleted immediately. I demand that these accounts be deleted immediately or I will file for litigation due to the stress these people are causing me. My information was impacted by the XXXX  data breach and may have got into the hands of the wrong 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 2020-11-13 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 5 months later, I have not received a response yet. I feel like Im being taken advantage of and being igored of my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been well over 60 days so they should be deleted immediately. I demand that these accounts be deleted immediately or I will file for litigation due to the stress these people are causing me. My information was impacted by the XXXX  data breach and may have got into the hands of the wrong 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 2020-11-13 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: GA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 40 days later I have no received a response yet. I feel like im being taken advantage of and being ignored of my disputes. section 611 ( a ) it is plainly stated that a failure to investigate these items within 40 days gives a reason to immediately remove those items from my credit report. it has been over 40 days and by time you get this about 50 days, so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the wrong hands of the wrong person.

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 2020-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: MA

Complaint narrative:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: NV

Complaint narrative:
My information was leaked in the XXXX data breach and ever since someone has been using my information to open different accounts in my name. There is credit cards, medical bills, loans, a mobile phone, and even a bankruptcy. I filed an FTC identity theft report and it was so many accounts it didn't even let me input all the incorrect info and accounts. I filed a police report with XXXX XXXX Metro and disputed all incorrect info with all three credit bureaus more than once. They have not even removed one account and I should not be held liable for things that I didn't authorize.

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 2020-11-13 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: NV

Complaint narrative:
My information was leaked in the Equifax data breach and ever since someone has been using my information to open different accounts in my name. There is credit cards, medical bills, loans, a mobile phone, and even a bankruptcy. I filed an FTC identity theft report and it was so many accounts it didn't even let me input all the incorrect info and accounts. I filed a police report with XXXX XXXX Metro and disputed all incorrect info with all three credit bureaus more than once. They have not even removed one account and I should not be held liable for things that I didn't authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: FL

Complaint narrative:
Experian keep saying I am not the one sending MY OWN dispute. I have provided my Driver License and Social Security card before and I am very frustrated. Do they need a DNA test to proof its me? I sent Experian my dispute with report number XXXX on XX/XX/2020 which they received and investigated on. I have reason to believe that they conducted a reasonable investigation. therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that they provide me with the following information : 1. The date they contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to them 4. The method of communication they used to verify this information 5. Did the creditor provide them with my SSN, address, and Date of Birth? If this information can not be provided I request this accounts to be removed from my report due to my original dispute of inaccuracies reported on the accounts mentioned in this report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
Hello i had a issue with my vehicle regarding coolant leakage and radiator issues. i use my vehicle warranty to try and take care of the issue with me seeing those things were covered in my warranty and mines was still active i use it. They ( XXXX XXXX  XXXX XXXX pick up the vehicle diagnose the vehicle and deemed it not covered after their findings and said they wouldn't do any work on the vehicle. My Lenders ( Credit acceptance ) Picks my vehicle up from them with my permission and takes it to schmitty 's repo. Now its on my credit as a repossession which it shouldn't be then to make matters worst XXXX XXXX XXXXXXXX never put the engine back in my vehicle so even if i was to pick up my vehicle from XXXX XXXX i ca n't drive it because my engine is gone.I have contact all parties in this matter and they keep pointing the finger at one another. also credit acceptance isn't trying to help at all they just keep hitting my credit when they know what happened to the vehicle nor have they offered any helping hands even though they picked up the vehicle with no engine.

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 2020-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Medical Administrators, Inc
State: FL

Complaint narrative:
XX/XX/2020 received text from credit card company asking if I had authorized a purchase for {$110.00}. I told them that I had not. Payment was declined and credit card company issued a new credit card. 

XX/XX/2020 received letter from collection agency alleging a debt of {$110.00}. 

Upon further investigation I believe this scam started when I answered a survey online and was to receive a free gift of my choosing from several offered. I chose one but I had to pay {$6.00} for freight which I put on my credit card. The company that billed my credit card was " & XXXX XXXX- XXXX XXXX CA. I did eventually receive that gift. 

The same day I confirmed freight payment for {$6.00} my credit card company was requested to pay from my credit card {$110.00} by a company named " Try XXXX XXXX '' which was denied because I never ordered or authorized anything for {$110.00}. The credit card company flagged this purchase and texted me for confirmation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
I am submitted this complaint today due to the above referenced collection agency ( Asset management/ nationwide recovery Amount is {$820.00} Opened! XX/XX/XXXX ) making no attempt work with me on resolving this debt that should not exist. During the dates that this debt is said to of occurred I carried state medicaid and provided my medicaid card during any all medical visits which is on file. I have disputed this debt and it remains on my credit report ( XXXX  ) although the collection agency has yet to verify that I am responsible for the debt with a agreement having my signature on it or any hippa papers that should have been signed. I also request that the collection agency show proof that I signed a medical authorization form giving them access to my records along with thier license authorizing they follow all Hippo Laws or of which would be relevant. I have made contact with this company to resolve the debt and the company refused to work with me or settle. The only reason I can think that this company would not settle with me is because I do have good credit without any other collection on my report besides that this company. My boyfriend has a debt with this company with poor credit and the company settled out for a 1/4 of the bill. This is affecting me financially and especially during this pandemic where I am out of work. It has been a constant burden causing me severe XXXX where I've had to reach out for medication for my XXXX I request that the debt be immediately removed from my credit report with all 3 Credit bureaus or provide the requested documentation immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Citibank received a copy of my bankruptcy discharge notice from the United States XXXX Court XXXX XXXX Minnesota on XXXX XXXX in regards to all of my debt with Citibank has been discharged under Chapter XXXX bankruptcy. Citibank is in violation of The Equal Credit Opportunity Act ( ECOA ) under federal law by not allowing me to apply or get a Citibank XXXX Credit Card.

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 2020-11-13 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
XX/XX/20 and XX/XX/20 XXXX  processed/ran 2 fraudulent credit inquiries made by CitiBank N A, XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX. 
I have communicated with XXXX and CitiBank since XX/XX/20. I had informed both of them that I do no business with CitiBank - no account, credit card, loan or anything. 
My XXXX  communications via telephone started XX/XX/20 to dispute above fraudulent inquiry, XX/XX/20 to place fraud alert ( which was done. ) On-going communications included calling about their dispute resolution outcome - I didn't create XXXX  account to review their outcome online but called and was informed the CitiBank inquiry would remain on my credit report. On XX/XX/20 I received another alert from my credit monitoring service for another fraudulent inquiry by XXXX - again listing the CitiBank listed above. XX/XX/20 I called XXXX and was given information on how to file a complaint with XXXX. 
My CitiBank communications via telephone started XX/XX/20. I made on-going telephone calls for days to CitiBank and was transferred to every imaginable department they had, provided exhaustive personal information and told they didn't see an account, credit card or loan application/created in my name. I also spoke with their Identity Theft Solutions Department with same outcome - nothing in my name or social security number. When I received the second alert on XX/XX/20 and called CitiBank Identity Theft Solutions Department on XX/XX/20 and today XX/XX/20 - both times they told me they didn't see anything in my name or social security number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation