vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-27 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I WAS A VICTIM OF IDENTITY THEFT, THE RESULT OF THAT SEVERAL ACCOUNT WERE OPEN UNDER MY NAME. 
XXXX XXXX XXXX # XXXX ... .XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX, WELLS FARGO BANK XXXX XXXX. 
XXXX XXXX # XXXX,XX/XX/XXXX XXXX. 
XX/XX/XXXX # XXXX ...XX/XX/XXXXXXXX XXXX XXXX XXXX 
XXXX XXXX XXXX # XXXXXX/XX/XXXX XXXX CARD # XXXX .XX/XX/XXXX# XXXX ... 
XXXX XXXXXX/XX/XXXXXXXX # XXXX,,, WELLS FARGO BANK 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 non-monetary relief
Consumer complaint received 2021-04-27 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: SC

Complaint narrative:
I WAS A VICTIM OF IDENTITY THEFT, THE RESULT OF THAT SEVERAL ACCOUNT WERE OPEN UNDER MY NAME. 
XXXX XXXX XXXX # XXXX ... .XX/XX/XXXX XXXX XXXX SEARS/CBNA # XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX. 
XXXX XXXX # XXXXXX/XX/XXXX XXXX. 
XX/XX/XXXXXXXX # XXXX ... .XX/XX/XXXXXXXX XXXX 
XXXX XXXX XXXX # XXXXXX/XX/XXXX XXXX CARD # XXXX ... SEARS/CBNA # XXXX ... 
XXXX XXXXXX/XX/XXXX XXXX # XXXX,,, XXXX XXXXXX/XX/XXXXXXXX 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 2021-04-27 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: GA

Complaint narrative:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I've contacted I C Systems regarding a XX/XX/XXXX account in collections that is showing on my credit report in the amount of {$360.00}. I explained to I C Systems that it is not my debt, and I requested for them to provide me verification of the debt. They advised me that they are unable to do so, and they continue to show this on my credit 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 2021-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: F.H. Cann & Associates, Inc.
State: IL

Complaint narrative:
FH McCann Att XXXX XXXX XXXX XXXX XXXX has been harassing me by calling my workplace after being asked not to. This has gone on for years. Please help, they are seriously damaging my work reputation, telling anyone information they should never be allowed to. 
XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
My loan was under bankruptcy until XX/XX/XXXX. Fay was paid at 100 % through the bankruptcy- those were the arrears. I never stopped making my own payments through my bank- automated. My bank sent a check to them every month. Fay sent me a payment ledger showing my payment dates and the payments received BUT their 24 month payment ledger does not match up and thus they reported me late from XX/XX/XXXX ( XXXX payment ) through XX/XX/XXXX. I have NEVER been late while in bankruptcy and the arrears of {$16000.00} was paid out at 100 % per the bankruptcy court. I have been contacting Fay for the last 3 weeks and have consistently been met with inconsistent reasons for the error and mismatch of information. I have also provided them with the documentation they provided me because they claim to no longer has access to the records since the account has been paid off. I am under contract on another property and their lack of attention to resolve this issue is costing me. They have violated FCRA laws and even federal laws if you dig deep enough. I have payment history and their documentation to show that the reporting is erroneous- but they are taking their time, if they are even doing that, to resolve the issue. The US Trustee has also confirmed the payment dates and amounts that Fay doesnt match up to either. If the past due amount was paid out at 100 % and we never stopped making payments once in the bankruptcy, how in the world do I come out of a bankruptcy past due??? They told me they applied one of my payments to escrow- once I told them they couldnt do that, they backtracked and said they didnt. They would research and get back to me XXXX XXXX has yet to respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NC

Complaint narrative:
A notice was taped on my door stating my 2nd mortgage was foreclosing on XX/XX/XXXX! I thought there was a moratorium on foreclosures? Plus it's my 2nd mortgage and is @ {$18000.00}! I still have a first mortgage and owe @ {$120000.00} on it! So how can the foreclose on me? I called and when asked about the moratorium, they stated the have the right too coldly. Offered to send papers to see if can work out plan which would take more than 30 days to decide and they would NOT stop the foreclosure procedure! I'm currently working on a forbearance with my first mortgage company. I'm XXXX, XXXX, n this house is where I have lived since I was XXXX years old. I have no where else to go and I'm baffled how it's legal for them to file during a pandemic! I NEED HELP IMMEDIATELY PLEASE AND THANKS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: CA

Complaint narrative:
I already reached out to EXPERIAN and to XXXX XXXXXX/XX/XXXX and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " accurate '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit 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 2021-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
i did a refinance loan 15 years ago and had 9 loan servicers on this loan. i have reached out to them numerous times to straighten out my account. they just ignored me over the years. i had a baqnkruptcy in 2011 for XXXX in aarears and got kicked out the bankruptcy for missed payments. my lawyer didnt know i got paid twice a month as opposed to every two weeks. it took four plus years for it to show up. my lender tried to forclose. i had paid XXXX towards the arrears so i sent them a cashiers check for XXXX so they still said i owed the XXXX so i had to file a 2nd bankruptcy to wait for thier proof of claim. after 5 months they never sent in a proof of claim so i was stuck in another bankruptcy for three more years. when i completed the bankruptcy my wife inherited her mothers home and we tried to pay it off through my credit union and they still had the extra XXXX on the account. i provided them with all the proof and they ignored it. now last month they finally took the XXXX off. after 5 years 2 bankruptcies credit ruined wife had a XXXX and still giving me the run around. i have all the proof and a letter from shellpoint mortgage saying sorry for the incovience.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: WI

Complaint narrative:
Experian continues to report false information and to claim that verification was done on two accounts listed on my credit report as collections. XXXX XXXX XXXX is an unknown company on my credit report. It appears they are a bottom feeding debt buyer and has falsely claimed that I am in collections with them. I don't know who this company is I have never had dealings contracts or applications with this company. There is nothing tying me to this company with my signature, never an inquiry as to obtaining their services and I have no account dealings with them. I have asked experience to verify and validate this company. They claim they have completed and investigation and have verified this account. They have not done any of the sort. This is fraud and this is destroying my credit report. I have no collections on my credit. All of my accounts are in good standing and Experian continues to perpetuate false reporting. I believe this is because of my race and because I am a single XXXX mother. This needs to be deleted. Also regarding XXXX financial. They continue to report that I have late payments. I know this information is false because previously it was reported that XXXX and XXXX were the late payment dates, now it's reporting that XXXX and XXXX are the late payment dates. There are no late payments with this vendor. My credit history with them since 2018 has been on time every single month.

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 2021-04-27 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.After praying not to suffer as a victim much longer so I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: AL

Complaint narrative:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Zillow Group Inc.
State: OK

Complaint narrative:
I recently refinanced my home with Zillow Home Loans. I signed a Notice of Transfer of Servicing detailing my mortgage would be transferred to a specific company. In addition I filled out an auto draft form and attached voided checks for automatic draft from my bank account. I was told my first payment would be drafted on XX/XX/XXXX. 

On XX/XX/2021 I received a document from a third separate company, XXXX XXXX XXXX, stating that they were my new mortgage service provider and that I needed to fill out another autodraft application and attach more voided checks. I was confused because I was given no notification at signing of this third company. 

I contacted Zillow and was told that my " loan # ... was transferred directly to a new servicer basically bypassing XXXX the first company XXXX altogether. '' I asked them where I signed that they could arbitrarily assign my loan to another company for servicing without any notification. They led me to Section 20 of my Note- which stated that they HAD to give me notification. This led me to research the Real Estate Settlement Procedures Act. Under the Notices of Transfer of Loan Servicingt-12 CFR 1024.33 ( b ) It stated that when any mortgage loan is assigned or sold the former servicer must provide a disclosure at least 15 days before the effective date. 

So Zillow Home Loans failed to follow the law and impinged on my rights as follows : -Zillow knowingly assigned my loan to a third company without notification of any kind. 

In addition XXXX XXXX XXXX failed to follow the law and impinged on my rights as follows : XXXX XXXX XXXX not send the notification within the required 15 day period before the effective date of transfer. In Fact, the disclosure from XXXX XXXX was received on XXXX XXXX- 10 days before the first payment was due. 

This will cause my payments to be late and will adversely affect my credit report and credit worthiness. This will damage my dealings with other business institutions long into the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: Ocwen Financial Corporation
State: GA

Complaint narrative:
This is a formal compliant that PHH Mortgage XXXX has failed to report information to my credit profile and maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify and report, through the physical verification of the original signed consumer contract, I demand to see on my credit profile payments made to PHH Mortgage Service, loan number XXXX,,. Phone number XXXX XXXX XXXX XXXX. 

Your failure to report this account has hurt my credit ability to obtain credit.,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
DSNB/Macys is reporting a debt that is not mine. It is a fraudulent account opened by someone else using my information without my consent. I have requested information on numerous occasions and nothing has been furnished to me although they continue to " verify '' the account.

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 2021-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
I financed a vehicle on XX/XX/2021 from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. On XX/XX/2021 went back to dealership to cancel a Ford ESP Maintenance Plan in the amount of {$490.00} that was listed on the finance contract. Finance manager refused to cancel and refund the maintenance plan. Contacted Ford Protect Administration on XX/XX/2021 and they cancelled the maintenance plan and sent refund to dealership on XX/XX/2021. On XX/XX/2021 I contacted the finance manager on the status of refund and was told there is no refund and the {$490.00} belongs to the dealership. Finance manager will not send refund to Ford Motor Credit to apply to my account. I have contacted Ford Motor Credit and was told to file a complaint with Ford Motor Company which has also been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for a refinance mortgage with Bank of America on XX/XX/XXXX, as they were advertising an interest rate which would lower my payments significantly. After months of delay, and my providing of documents and explanations for numerous requests, many of them repetitious, the bank canceled my application on XX/XX/XXXX, the day after I spent hours collecting and providing documentation for a lengthy list of demands which were requested of me earlier the same day. 

My wife and I own a large number of rental properties. I was asked to provide great detail on every single property, which I did. 

After the application was canceled, I asked my loan agent to submit a complaint in BofA 's system. I was contacted by XXXX XXXX, who told me it was canceled due to me not providing all the documentation required of them by XXXX within their maximum timeframe. My wife and I have closed on many XXXX loans, several of them within the last 6 months. Never have we been badgered for anywhere near the level of documentation that BofA insisted on. Nevertheless, I did provide everything they asked for, time after time after time. 

This is just abusive. I spent many hours at a time on many days to meet their requirements, and after dragging their feet asking for things in dribs and drabs, they say essentially, " Oh darn, we've run out of time. Too bad. We can start over at the current interest rates which happen to be as high as your existing mortgage. ''

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