vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-15 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: Ocwen Financial Corporation
State: NY

Complaint narrative:
In XXXX my mother passed away. I inherited the family home. My mother had a mortgage from XXXX which was serviced by Ocwen Loan Servicing LLC under account # XXXX. She was the sole owner of the home and was the sole borrower on the loan. After my mother passed there was a period when the loan was not being serviced as the estate was in probate and neither the property nor the loan were in my name. It took a long time for a loan modification to get approved. Ocwen rejected our attempts to modify the loan so that I would become the borrower and the deed would pass to my name. We finally got Ocwen to agree to a modification of the loan which became effective XX/XX/XXXX. From that point on I have faithfully paid the mortgage on time, every time as it has only now become my responsibility. 

In XXXX of XXXX I applied for a refinance on the property. Taking everything into account I did not anticipate a problem. I have always had good credit, always paid my bills on time and have also always paid the loan on my co-op and my car on time. My mortgage was denied due to the reporting from Ocwen which stated that my payment history went back to XXXX and had 32 late payments reported, many over 150 days. Clearly this goes back 4 years prior to my ownership of the deed and the loan and clearly is not my payment history. I discussed this with my mortgage rep and was advised to contact the Bank ( Ocwen ) and the credit reporting agencies. Ocwen has consistently refused to change their reporting and still shows me as maintaining a delinquent mortgage payment history. 2 of the 3 major agencies have agreed with me and are no longer reporting my mother 's delinquent history as mine. Experian has not done so and seems to be unwilling to deviate from the information provided by Ocwen. This is the sole block in my path to being able to refinance. What can the CFPB do to get this lender to truthfully report that my mother 's mortgage payment history is not mine and has never been mine? I have a letter from Ocwen claiming that they are correctly reporting the history on that account number. However it is equally very clear from the evidence presented, and the exact dates of ownership of the loan, that the payment history since the loan came into my name has been nothing but exemplary! Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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: NC

Complaint narrative:
I have being going back and forth with the three major credit bureau XXXX, Equifax and XXXX. I have being sending letters and calling them to remove incorrect inquires on my credit report. It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score. I ask them to please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. They still have send any proof showing me so, I got was just a credit report from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have being going back and forth with the three major credit bureau XXXX, XXXX  and Experian. I have being sending letters and calling them to remove incorrect inquires on my credit report. It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score. I ask them to please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. They still have send any proof showing me so, I got was just a credit report from 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 2019-01-15 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: AES/PHEAA
State: MI

Complaint narrative:
I have student loans on my report from a private lender that I did not authorize. The loans are not mine nor have I ever attended college. I have no knowledge of how this could have happened but I have been trying to address this matter for some time now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-15 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing this complaint with concerns of fraudulent addresses that appear on my credit report that I have never lived at. It is possible that it might be a relative sharing a old address not mines. Please remove delete the following : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH 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 2019-01-15 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: MI

Complaint narrative:
Between XX/XX/19 and XX/XX/19 I received a notice stating my car loan account was closed with XXXX XXXX  XXXX XXXX on my Equifax and XXXX  reports. I still have the car in my possession, my payments are current and this is my primary vehicle. I contacted XXXX XXXX XXXX XXXX whom informed me after investigation my account is positive with a balance of {$7400.00}, but there is nothing they could do for this to reflect on my credit report, and are unsure why my payments made are not reporting on my reports and this would have to be disputed immediately. my credit score declined 30 points due to this action and I am seeking resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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: MI

Complaint narrative:
I have reason for my dispute due to bad information furnished to my account that here are some of the account I never had any business or contracts for business with the following companies. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX   # XXXX XXXX XXXX # XXXX XXXX/XXXX  XXXX # XXXX XXXX XXXX XXXX  # XXXX under I expect this collection account to be removed from my credit report. the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) requires by federal law to be verified. So far I never received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I just recieved a letter in the mail from chase stating that I applied for a XXXX XXXX visa signature account when I didnt. It also says that they didnt approve the request. I already know my credit isnt great. So I know not to apply for these types of things. I went to check my credit report since it said that XXXX XXXX looked it up and its on my credit report and Im concerned that someone is trying to steal my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
on XX/XX/2016, this account was opened by XXXX XXXX XXXX XXXX for a debt in the amount of {$140.00} for medical equipment ( XXXX  ) that was covered by my medical insurance. I have XXXX children as dependents listed on my medical insurance. XXXX child received a XXXX  less than a year before this was prescribed. i was billed when the XXXX child was prescribed a XXXX, in contacted my medical insurance provider whom sent me a explanation of benefits confirming this equipment was covered for one piece of equipment, per person, per year and that the coding on XXXX 's records could have been incorrect. I contact XXXX 's regarding this whom directed me to XXXX XXXX XXXX collection agency whom informed me all they could do was collect a payment. this has been reporting to all credit bureaus, with no resolution after filing a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received money from FEMA in 2013 that was given to Capital One, my mortgage holder. They held it until such time as I paid off my mortgage. They released the funds to me in the form of a check. However, they included my wife 's name in the check. This made the check impossible to deposit at another bank. I sent them the death certificate and information regarding my position as executor of her estate. They never reissued the check and I never received the money. They continued to redirect me to my local branch and I pestered them for it, until they closed. Now they no longer deal in mortgages and I have no idea where the {$30000.00} is.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-15 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: AES/PHEAA
State: MI

Complaint narrative:
I have student loans reporting on my credit that I did not sign for nor did I authorize anyone else to do so. I have never attended college so there would be no need for me to have utilized student loan services.The loan is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX my bag was stolen with my personal belongings including my debit card, my phone, my old drivers license, and my old school ID.in XXXX XXXX, NY. Due to a day full of finals on XXXX, I waited to make it to the bank and close my account/report card stolen. On XX/XX/XXXX after my last final I drove to a chase bank near my home.. I reported my card stolen. The lady at the branch checked my account to make sure the card was not used, and sure enough it was. 12 fake checks were deposited into my account. They were forged and made out to look like they were mine. I filled out a fraud claim. The signature on the fake checks does not even match MY personal signature.. I believe the fraudsters used my old student ID from my previous college to make the fake checks as the fake checks were made out to be written to me from XXXX XXXX. Red Flag # 1 : Out of three whole years of attending XXXX XXXX, I NEVER received a check from them.. I also no longer attend that school. Red Flag # 2 these 12 fake checks were deposited in XXXX, NY. I live 1 hour and a half from XXXX and have NO associations whatsoever with anyone from XXXX.. The 12 fake checks totaled {$4000.00}. I also had {$95.00} in my account which were used as well. Because my father was the joint owner of the account, Chase decided to take {$4000.00} out of his account and hold us liable when I was victimized. A bank that talks so much about making sure customers are pleased and supported, completely failed at supporting us. Instead of accepting my 4 different fraud claims, Chase denied every single one because they believe my pin was shared. I 100 % know I do not have my pin written down anywhere and have never given my pin away.This has been very unfair from Chase 's part. They have made it known that their customers really don't matter and they will do anything to keep our money. My father is now short {$4000.00} and Chase refuses to give the money back. It has been a never ending battle.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I was banking with Chase they closed my account said the bank decided to end the relationship. I had XXXX in my account they said they needed to verify the check from the original maker they said the funds would be in suspense intelligent the spoke to the person. The other bank XXXX XXXX  has paid the funds to my account it's been 15 days. at one point they said my funds were mailed on XX/XX/XXXX, that was a lie I have spoke to several people everyday and have stepped into the branch still no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
We refinanced with Citi Mortgage in XXXX. During that process the loan we secured paid off all previous lien holders. My wife and I began the process of refinancing our home to secure a lower interest rate and have our insurance and property included in escrow. Our credit union had agreed to re-finance in XX/XX/XXXX. When the credit union researched the title they found that two previous lien holders remained on our property deed after being paid off in the refinance in XXXX. I contacted Citi in XXXX regarding this problem and they only indicated that I should research and contact both lien holders and get them to release the liens. Unfortunately these were two predatory lenders who had both gone of business via bankruptcy. Our credit union then indicated we would need to involve a closing attorney to help clear up this matter. The attorney was unable to quickly solve this issue and pushed it back to my wife and I to deal with Citi. Calls  were made to Citi starting again in early XX/XX/XXXX. We were told by various staff members that they could not help in the matter and they were not responsible for ensuring that the deed was correct or clean. After speaking with several supervisors over a four week period they were only able to secure a release from one previous lien holder because their assets were secured by a company in current operation. They indicated that Citi would not be responsible for securing the lien release while still acknowledging that Citi engaged with a deed trust company to ensure that all releases were secured at the time of refinancing in XXXX. My wife and I know are unable to own or refinance home because of this significant title issue. We have been paying a mortgage for 16 years on a property that we could never own outright. XXXX XXXX from the Executive Response unit at Citi Mortgage indicated that they did not use an arbitrator and I would need to file my grievance with CFPB.

We can not move with forward with our refinance and may have lost the option secure this loan because of this delay. All loan paperwork will need to be resubmitted for approval only after the deed is clear. I have requested relieve form any payments until we able to refinance because we are not responsible for this delay. I also request that Citi release us from any penalty or fees at payoff because of their failure to do their due diligence at our XXXX closing.

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 2019-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have now had three inquiries from XXXX on my credit report. I have never used or interacted with XXXX XXXX company at all. How do I prevent this from continuing to happen??

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: CA

Complaint narrative:
Us bank credit card/ sky pass promised bonus miles when I applied. And I been calling them sinceXX/XX/2018. They told me they will update the miles and they told me they not going to update my bonus miles.

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 2019-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Hai this is XXXX XXXX XXXX and i got a mail saying that i have been pre-approved for {$1500.00} from Capitol One and after i applied they gave me {$300.00} credit approval account number ending with XXXX and my last four digits of social security is XXXX and i am totally dis-satisfied with there entrust statements and false promises.i know my credit score was bad but they pushed me to apply this card to get {$1500.00} limit but they cheated me by giving me {$300.00} approval I want to raise the complaint on the creditor and i dont dont want any kind of relationship with them and please do close my account with these kind of scammers and my scores should effect even i close this account Please try to help me out with this case and ban this kind of cheater in the market Please contact me on my phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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: NY

Complaint narrative:
In XXXX my mother passed away. I inherited the family home. My mother had a mortgage from XXXX which was serviced by XXXX XXXX XXXX XXXX under account # XXXX. She was the sole owner of the home and was the sole borrower on the loan. After my mother passed there was a period when the loan was not being serviced as the estate was in probate and neither the property nor the loan were in my name. It took a long time for a loan modification to get approved. XXXX rejected our attempts to modify the loan so that I would become the borrower and the deed would pass to my name. We finally got XXXX to agree to a modification of the loan which became effective XX/XX/XXXX. From that point on I have faithfully paid the mortgage on time, every time as it has only now become my responsibility. 

In XX/XX/XXXX I applied for a refinance on the property. Taking everything into account I did not anticipate a problem. I have always had good credit, always paid my bills on time and have also always paid the loan on my co-op and my car on time. My mortgage was denied due to the reporting from XXXX which stated that my payment history went back to XXXX and had 32 late payments reported, many over 150 days. Clearly this goes back 4 years prior to my ownership of the deed and the loan and clearly is not my payment history. I discussed this with my mortgage rep and was advised to contact the Bank ( XXXX ) and the credit reporting agencies. XXXX has consistently refused to change their reporting and still shows me as maintaining a delinquent mortgage payment history. 2 of the 3 major agencies have agreed with me and are no longer reporting my mother 's delinquent history as mine. Experian has not done so and seems to be unwilling to deviate from the information provided by XXXX. This is the sole block in my path to being able to refinance. What can the CFPB do to get this lender to truthfully report that my mother 's mortgage payment history is not mine and has never been mine? I have a letter from XXXX claiming that they are correctly reporting the history on that account number. However it is equally very clear from the evidence presented, and the exact dates of ownership of the loan, that the payment history since the loan came into my name has been nothing but exemplary! Please help 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 non-monetary relief
Consumer complaint received 2019-01-15 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: MI

Complaint narrative:
I have reason for my dispute due to bad information furnished to my account that here are some of the account I never had any business or contracts for business with the following companies. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX   # XXXX XXXX XXXX # XXXX XXXX/XXXX  XXXX # XXXX XXXX XXXX XXXX  # XXXX under I expect this collection account to be removed from my credit report. the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) requires by federal law to be verified. So far I never received anything.

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