vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I was behind with my mortgage payments and applied for a modification. XXXX/PHH Mortgage XXXX offered a modification plan with a trial period. I never received the modification offer, but I made each of the 3 trial payments as scheduled. When I asked a acct specialist about the details of the modification, they responded by telling me I should have recieved it after I completed the trial payments, which I had not. The acct specialist also relayed to me that my other option was to get on a payment plan, which would require {$3000.00} down and an additional monthly payment of {$940.00} for 5mos, and my decision should be made by XX/XX/XXXX. I received the modification on Saturday XX/XX/XXXX. On Monday XX/XX/XXXX I called and spoke with agent ID XXXX  @ XXXX to inform the mortage company that I will not be accepting the modification because it would be adding over {$55000.00} to the end of my balloon payment at the end in XXXX. Instead, I decided to get on the repayment plan, and pay the down payment of {$3000.00} and the additional {$940.00} for 5mos. He was not able to set up the payment plan because they have the modification on my file. I called today XX/XX/XXXX and the acct specialist -agent ID XXXX  was still unable to set up the payment plan because the modification is still on the account, and said that underwritting has to remove the modification before the payment plan can be set up. I tried to make a {$4000.00} payment today ( XX/XX/XXXX ) via phone and online, and it will not allow me to make any type of payment. I am concern with my home being forclosed upon because of lack of assistance and delay in trying to set up this payment plan. It seems a bit supicious that I can't set up this payment plan which is one of the options available to me according to their acct specialist. I just want to enter into this payment plan and secure my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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 reported several fraudulent credit inquiries to Equifax I mailed them communication with tracking Via XXXX which is : XXXX Which shows it was delivered on XX/XX/XXXX, however, Equifax did not open this dispute until XXXX, XXXX, XXXX, which is over ( 30 ) days after they received it ( 36 days later, ) and responded to the dispute by claiming the fraudulent inquires were accurate, with no supporting evidence, and clearly no investigation, as they opened the investigation into the fraudulent inquires on XX/XX/XXXX, and closed it on XX/XX/XXXX, which is an unreasonable and seemingly impossible amount of time to thoroughly investigate and conclude that ( 8 ) eighXXXX separate inquires made by different parties on different dates were all valid. 

I supplied Equifax with proof of mailing and a copy of the letter sent to each name/address listed under each inquiry which I did not receive any response each time. 

The inquiries reported to be fraudulent are as follows : XXXX. ) XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX. ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX, TX XXXX XXXX. ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX. ) XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX. ) XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX - XXXX XXXX. ) XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX. ) XX/XX/XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Self Financial Inc.
State: MN

Complaint narrative:
Tengo una queja contra  la compaa  ATLANTIC CAPITAL BANK SELFLENDER Acabo de sacar mi informe de crdito y descubr que se inform un pago atrasado en mi cuenta. Solicito en virtud de CARE ACT una adaptacin porque me afect COVID-19, actualice la informacin tarda para el 09/2020 y el 10/2020 Le agradecera mucho si pudiera cumplir con esta solicitud de eliminar el retraso de mi informe crediticio. Me ayudara enormemente a obtener otras lneas de crdito para poder mejorar an ms mi puntaje crediticio. eh enviado varias solicitudes

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2021 I made a purchase with XXXX in the amount of XXXX which posted out of my available balance. Although US bank stated that their banking app operates on real time ; they never reflect the same information at any given time. Attached are two screenshots ( evidence ). This banking institution have been robbing my children and I. 
By inputting fraudulent information into their technological algorithm ; against our POSITIVE balances. This ultimately caused hardship. As a result it is DIFFICULT to make ends meet.. 
I was able to prove it this time however, how LONG has this criminal activity been taken place ; against my children and I, by this banking institution?!?

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 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX is continually pulling soft credit reports against my will. I want them to stop as there is no reason for them to pull my report as I am not interested in a credit card. They are doing it to keep my credit score low.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
I DID NOT apply for a Chase Credit card i get a letter saying they need more personal information from me.. they need copies of drivers license or other government ID or passport or marriage/divorce certificate a social security card copies of all utility bills water, electric, gas, sewage, cell phone, internet or cable bills and last 3 copies of paystubs?? Basically my entire life they want me to mail to them?? NOT happening! I did a XXXX search on the phone number lots of people complaining of fraud and the call takers asking for all this info be sent to them? Their hours are only XXXX? seems strange for a large credit card company. I would like this checked out please?!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07 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: NC

Complaint narrative:
I have sent multiple letters to XXXX, XXXX, TransUnion and XXXX XXXX to remove 1 late payment and no one has responded to my inquiries or helped me. I know I am supposed to receive a response within 30-60 days and it has been longer than that. The late payment is a billing error and is a violation of my consumer rights.

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 2021-10-07 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: NC

Complaint narrative:
I have sent multiple letters to Equifax, XXXX, XXXX and XXXX XXXX to remove 1 late payment and no one has responded to my inquiries or helped me. I know I am supposed to receive a response within 30-60 days and it has been longer than that. The late payment is a billing error and is a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: AZ

Complaint narrative:
Both myself and my insurance company have sent the billing and proof of insurance to the loan servicer. They have confirmed receiving it. They have not paid it for 3 months. I have made several calls to them and no one has any answers on why it has not been paid ; yet they still do not pay it.

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 2021-10-07 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: United Shore Financial Services, LLC
State: WA

Complaint narrative:
There is a 30-day late reporting on my son XXXX XXXX XXXX ( last four of SS # XXXX ), wife XXXX XXXX XXXX ( last four of SS # XXXX ) and my, XXXX XXXX XXXX credit reports due to a clerical error. 

We have a mortgage loan with United Wholesale Mortgage ( UWM ). There is a 30-day late that occurred in XXXX/XX/XX/XXXX. An auto mortgage payment to UWM ( account # XXXX ) for the property located at XXXX XXXX XXXX XXXX XXXX, WA XXXX, was missed in XX/XX/XXXX, because UWM cancelled our auto-payment when UWM shut down the old website and did not set the auto-payment back up when they launched their new website. 

Also, UWM did not send an email specifically informing us to re-register our auto-payments on their new website. We received an email on XX/XX/XXXX with the title New Website is Coming Soon. Buried in the second paragraph of that email was the wording, you'll have to re-register even if you have a user account on our current site. It said nothing about our auto-payment being cancelled if we didnt re-register. It also did not specify exactly when the new site would be launched. On XX/XX/XXXX we received an email titled, Our new website is live! Check it out! Again, there was no mention of our auto-payment being cancelled. 

We purchased the home in XX/XX/XXXX. We made our first payment in XX/XX/XXXX and made every payment on time through the auto-pay feature, scheduled to pull from our account on the XXXX of each month. XX/XX/XXXX our auto-payment was made. The XX/XX/XXXX auto-payment was not made because the auto-payment had been cancelled by UWM. We discovered the missed payment just seven days later, on XX/XX/XXXX. We made a one-time payment that day, then created a new account on the new website and set up a new auto-pay that is working great and no payments have been late or missed since. 

Because of the lack of clear communication from UWM, both my son XXXX ( last four of SS # XXXX ), who is the owner of the home and my wife XXXX ( last four of SS # XXXX ) and my ( we are co-signers on the account ) credit took very big hits. Wed appreciate any help to remove the late payment from our credit reports. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Figure Technologies, Inc
State: CA

Complaint narrative:
I applied for a home equity line of credit with Figure.com and this ONLY an online system and you have no contact with their representatives. 

Upon approval they send out documents for you to sign but never go into detail on how much origination is or the terms of the loan. 

They do send out a notary and notarizes the paperwork but never explains what you are signing. 

Upon funding the fee i paid for a heloq was XXXX for only XXXX, Im disappointed at the fact that i could've refinanced my home and still pay less in fees than getting this heloq. 

I urge this company to do better in explaining the terms and conditions to their clients before getting into any type of transaction with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WA

Complaint narrative:
While I was in jail for a weekend someone got access to my account and card and spent almost a thousand dollars. 
I immediately changed my password and ordered a new card and reported it to Chime. 
They almost immediately denied my claim and repeatedly said they would send me documentation of how they reached that conclusion and never did. Not once after offering at least ten times and me saying I wanted them. 
I've gone back and forth with them for over a year now and they have no interest or desire to even respond to my messages anymore except with the same generic response. I shouldn't legally be held liable for more than {$50.00} since I took all the steps I should have in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have contacted the company on XX/XX/2021 regarding a debt validation and have not received any correspondence of the validity of the said debt. In the US law encyclopedia, American Jurisprudence, 73 Am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Experian is reporting that I was late on my XX/XX/2021 payment when I personally spoke with XXXX XXXX and they told me I was only 6 days late in XXXX. And they sent me the statement to prove. Also I didnt authorize these inquiries on my credit profile.

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 2021-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
My mortgage company will not file the claim necessary for me to payoff my account. I have a partial claim with HUD that Freedom must file for and they will not do so. I could loose my home because of their incompetency. I have been asking them to do so since XXXX, 2021. I have copies of each request I sent them. I have spoken to them on the phone several times as well. One phone the person from Freedom even stated that they were filing the partial claim from HUD as we spoke. HUD has no record of it. Either no one who answers the phones or reads the emails at Freedom knows how to do their job or they lie.

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 2021-10-07 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: IL

Complaint narrative:
I recently saw two fraudulent credit card accounts on my Equifax credit report. I spoke to fraud/disputes department on XX/XX/2021 Who requested I fax in my drivers, license, my ssn card and the FTC report with a letter. I called back on XX/XX/2021 and representative is telling me to refax in the information when she is clearly looking at the documents. I am upset that they asked for my ssn card and other PII information and on one will remove these accounts. I will proceed in filing a lawsuit against the this credit bureau if this is not removed immediately. My information was compromised and I should not have to go through this just to get my credit report in order. These two XXXX XXXX accounts are not mine and they only update to say " verified '' they have not provided any validation information and my identity was compromised. It is against the law to report any inaccurate information. According to the FCRA, any information should be deleted in 30 days. This is passed the time frame of the actions against the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they 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 Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
After exempting my property via U.S Bankruptcy court in the XXXX District of ARKANSAS, with magistrate XXXX XXXX presiding over the proceedings, the De Facto lender JP MORGAN MORTGAGE ACQUISITION CORP is still committing fraud against my estate at XXXX XXXX XXXX XXXX, XXXX, arkansas XXXXzip exempt, by mail fraud with law firm XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX Phone ( XXXX ) XXXX, with reference to deb collection activity for a securitized and unregistered mortgage backed security instrument via the company and parties allonging, inability to file a UCC1 secured claim against my property. Hence, the filing of UCC1 would prove mortgage fraud, the mortgage itself becoming an investment instrument and not a debt instrument. Please advise JP MORGAN MORTGAGE ACQUISITION CORP to follow GAAP POLICY FAS133, FAS140, UCC2-302 rescission of signature and unconscionable contract, UCC3-305 defense & recoupment to set off for promissory note that was tendered, refused & discharged by JP MORGAN MORTGAGE ACQUISITION CORP on closing date of XX/XX/XXXX associated with my real property located at XXXX XXXX XXXX XXXX, XXXX XXXX arkansas XXXXzip exempt, and have them to disclose their full accounting bookkeeping entries form OMB FEDERAL RESERVE FORM FR_2096 prospectus to I, the natural person and secured party to the Estate of I, the natural person and secured party of Estate to I, XXXX XXXX XXXX with the recoupment of tendered notes generated by the tendering, refusal and discharging of promissory note and also the recoupment of derivative notes generated by the mortgage backed security UCC2-302 to I, XXXX XXXX XXXX, natural heir , real party and secured claimant to estate. 
H.R.2938 - 116th Congress ( 2019-2020 ) : Honoring American Veterans in Extreme Need H.R.8354 - 116th Congress ( 2019-2020 ) : Servicemembers and Veterans Initiative Act of 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: TX

Complaint narrative:
Equifax didnt remove the five inquiries off my credit report and I send in documents 5 times and they would put them in dispute and it would get rejected within 40 days and I would put in dispute again and again and fax in documents and its costing me money and Equifax keeps rejecting it and promise they will remove these fraudulent inquires off my credit report and they are still there according to my Equifax.com and I also received a letter saying these inquiries were taking off but its a lie

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: CA

Complaint narrative:
I have contacted Equifax regarding lead bank several time through the dispute process to let them know that. I have paid off account and do not have a XXXX and the credit limit has been increase to XXXX month after month XXXX XXXX  keeps telling me we report monthly which I see the update date changes but. Equifax is reporting from XXXX to present status unknown with a update of XX/XX/2021 The same thing is happening with XXXX XXXX  my balance is XXXX and they are reporting XXXX unknown update since XXXX.

Company response to consumer: Closed with explanation