vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-25 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: AL

Complaint narrative:
Due to a reduction in hours in both incomes from the COVID-19 outbreak control and temporary wage garnishment from a student loan ( now paid, just waiting on everyone to be notified ) we are late on our XXXX mortgage payment. I called 21st Mortgage to not apply a late fee, I will have a full payment by the first week of XXXX to send to them. They flat out refused to not apply the late fee if I do not make the full payment by Friday, XX/XX/2020. I'm not asking them to skip a payment or even a reduction in payments at this time. I'm asking them to not apply a late fee or report the issue to the Credit Bureau. I don't think that's asking for much. They were flat out refusing to work out the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: TN

Complaint narrative:
In XXXX, I applied for a loan at my bank and was denied to do items appearing on my credit that I had no knowledge of. The has been a headache as I have reached out to credit bureaus and i'm not getting anywhere with them, so I choose to reach out to this company. These items appearing on the letters I sent to credit bureau are stopping me from moving forward with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: TN

Complaint narrative:
In XXXX, I applied for a loan at my bank and was denied to do items appearing on my credit that I had no knowledge of. The has been a headache as I have reached out to credit bureaus and i'm not getting anywhere with them, so I choose to reach out to this company. These items appearing on the letters I sent to credit bureau are stopping me from moving forward with my life.

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 2020-03-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: CA

Complaint narrative:
My mortgage lender has lost my first payment of {$2500.00}. 
I sent a certified cashiers check in XXXX. That check was for the XXXX payment, the first payment on a brand new mortgage loan. We just closed on the house in XXXX. The check for the XXXX payment cleared on XX/XX/XXXX. The check was delivered via USPS with signature required upon delivery. Someone had to sign for it when it was delivered. I made the XXXX payment and that check cleared and was put towards my mortgage. Paid XXXX via website and was put towards my mortgage. Been back and forth with the mortgage lender for a month now. They keep saying I'm past due and I'm not. They still havent figured out where the XXXX payment went. 
I am a XXXX veteran with XXXX with XXXX  problems. I am beyond stressed out. 
I am going to be seeking legal counsel for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: NY

Complaint narrative:
We bought our home XX/XX/XXXX. The escrow account was set up to cover all taxes and insurance. In XX/XX/XXXX, the company reassessed our escrow and changed the terms. It lowered our obligation by several XXXX dollars and refunded {$1800.00}. While they were doing this and sending us mail about the change, the company transferred our loan to someone else. 

We thought the change in escrow was from the new company. We had argued that it shouldn't be changed and was told, our records show you don't need to pay this much. 
This XXXX we received a notice that we owe {$5000.00} to our escrow because we are short. They want to a ) have us pay it in full or b ) pay {$400.00} more a month on top of increasing our mortgage payment to the original amount. We can't afford either solution. 
We called the company and spoke with XXXX  ext. :XXXX. We requested an audit on the escrow. We are supposed to get an email by the end of the month. They asked where we want to go with this and we told them " We need to be compensated for their error in the audit and change of our original terms in our Escrow disclosure. This is and will put a tremendous strain on our finances. '' We've tried to reach out again. The company hasn't returned our calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
Interest rate is not displayed on monthly statement from Kia Motors Finance or on website XXXX ( when logged into account ). According to Regulation Z, Comment for 1026.7 - Periodic Statement, section 7 ( a ) ( 4 ) Periodic Rates states " 1. Disclosure of periodic rates - whether or not actually applied. Except as provided in 1026.7 ( a ) ( 4 ) ( ii ), any periodic rate that may be used to compute finance charges ( and its corresponding annual percentage rate ) must be disclosed whether or not it is applied during the billing cycle. ''

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 2020-03-25 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX  XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX US DEPARTMENT OF EDU DEPT OF EDXXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX US DEPARTMENT OF EDU DEPT OF EDXXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX US DEPARTMENT OF EDU DEPT OF EDXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
Venmo has held a {$500.00} transfer and has refused to unlock it or refund the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: MI

Complaint narrative:
XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX 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 2020-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA

Complaint narrative:
XX/XX/2019 {$920.00} Issued call to the company, left contact information Provided company with forwarding address for invoice Offered to speak with management to settle the debt Asked for physical copy or proof of debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: TX

Complaint narrative:
I was told by my bank lender that I was not approved for a personal loan I have applied for because of many derogatory items on my credit report. I then decided I would pull my credit to myself to take a look at what he was talking about and I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report. These accounts do not belong to me. My social security number has been used from someone else. 

XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have Several Inaccurate information on all three of my credit reports. I have hads fraud Alerts, Security Freeze, and Credit monitoring etc .... I have Public record reported Status of Bankruptcy XXXX and XXXX there all different and I have 17 negative reported late and now a REPOSSESSION. I have never ever been late with any of these creditors. I have taken every precaution to protect my credit and to have third parties reporting inaccurate information as Verified Accurate is against my rights and has caused me a great amount of stress effecting my health. I will submit all documents in regards to have these inaccuracies removed for Permanent to all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hi, I have a closed credit card with JPMorgan Chase with an outstanding balance of $ XXXX. My employer filed for bankruptcy (XX/XX/20 ) and I am now on unemployment in the midst of the COVID19 madness. I called JPMC today ( XX/XX/2020 ) to inquire about options available to severely reduce my monthly payment including suspending interest given the COVID19 hardships I am suffering. 

They offered three untenable options : 1. Balance Liquidation Program : Convert to a 60 monthly repayment plan with interest rates STARTING at 12 %. There is NO prepayment penalty. ( My response : I would be willing to do a 60 month plan at zero interest. ) 2. 90 Forbearance : No payment required for 90 days but interest continues to accrue at 14.24 % ( current rate ). ( My response : 90 forbearance would be helpful but NO interest should accrue and no fees incurred. ) 3. Settlement : Negotiate a payoff of the principal w their starting offer at 90 % of the {$14000.00} balance. ( My response : I am willing but unable to repay at this time. As such, I do not want to write down a balance. ) Given that we are in a zero interest environment and in the early days of a global pandemic and approaching 30 % unemployment in the US, I believe that it is tone deaf of JPMC to charge interest rates that were relevant pre-COVD19. 

I had a great call w my mortgage bank who is allowing 90 forbearance and will revisit terms in 90 days. They were totally empathetic, the opposite of JPMC. 

Please help by suggesting a protocol for the industry for other consumers in the same situation as me. Thank you and stay safe.

Company response to consumer: Closed with monetary relief