vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-16 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:
On XX/XX/2019, I logged into my credit monitoring accounts to review my credit reports so I can apply for a loan in the near future. I noticed with Equifax there are several unauthorized Inquiries that I did not perform on my own credit. I upgraded my credit monitoring membership on XX/XX/19 and locked my credit reports with XXXX XXXX to block any further unauthorized activity. I wrote handwritten letters to each unauthorized credit inquiry and have not received any response from their agencies. OnXX/XX/2019, I wrote to Equifax advising of this issue with the creditors and have the tracking numbers for it to monitor. # XXXX-XXXX-XXXX-XXXX-XXXX, they received it on XX/XX/19 and per the Fair Credit Reporting Act, they have 30 days to investigate and/or block and delete the disputed inquiries. It is now XX/XX/19 and I paid {$29.00} to refresh my credit reports with my credit monitoring account and have had ZERO unauthorized inquiries removed. I am filing a complaint because I know my rights as a consumer and can not become a victim to the amount of time it takes to fix countless issues on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
NO MISSED PAYMENTS XXXX XXXX ACCOUNT # XXXX NO MISSED PAYMENTS XXXX XXXX ACCOUNT # XXXX NO MISSED PAYMENTS XXXX XXXX ACCOUNT # XXXX NO MISSED PAYMENTS XXXX ACCOUNT # XXXX XXXX XXXX None authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX  XXXX XXXX  USA NA XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX ) XXXX XXXX None authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ) XXXX XXXX None authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ) XXXX XXXX Non authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX ) XXXX XXXX Non authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX ) XXXX XXXX MORTGAGE Non authorization XXXX XX/XX/XXXX, XXXX CONTACT DETAILS XXXX MORTGAGE SVC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX ) XXXX EXPANSION CAPITAL GROUP Non authorization on XX/XX/XXXX XXXX CONTACT DETAILS EXPANSION CAPITAL GROUP XXXX XXXX XXXX XXXX XXXX, SD 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 2019-04-16 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: IL

Complaint narrative:
NO MISSED PAYMENTS XXXX  XXXX ACCOUNT # XXXX NO MISSED PAYMENTS XXXX   XXXX ACCOUNT # XXXX NO MISSED PAYMENTS XXXX XXXX ACCOUNT # XXXX NO MISSED PAYMENTS XXXX  ACCOUNT # XXXX XXXX XXXX None authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX None authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX None authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX Non authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX CARD XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX Non authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX   XXXX XXXX XXXX XXXX XXXX, DE 19850 ( XXXX ) XXXX XXXX XXXX Non authorization XXXX XX/XX/XXXX, XXXX CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX XXXX Non authorization on XX/XX/XXXX XXXX CONTACT DETAILS EXPANSION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD 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 non-monetary relief
Consumer complaint received 2019-04-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Schiller & Knapp, LLP
State: NY

Complaint narrative:
XXXX XXXX XXXX Bank assumed a debt over a defaulted mortgage and wants to settle on foreclosing the property. The defaulted mortgage was signed by a woman XXXX XXXX XXXX, and was co signed by a man ( XXXX. ). XXXX XXXX XXXX Bank did a wide sweeping title search and created a Foreclosure Transaction Consumer Credit Transaction Summons and named many possible subordinate lienors. 
In their sweep, they included my ex husband ( XXXX ), who has the same name as the second signer, the man who defaulted on the property loan. They then named me, by capacity of my having a money judgement against my ex-husband, for unpaid equitable distribution. They name The IRS as a defendant as well, in the capacity that at least three other men who all share the same name, and have tax liens against them. XXXX XXXX XXXX Bank is trying to subordinate my money judgement to theirs. Further, my ex husband is not the person who signed on that property loan to begin with. The signature on the lease is not his signature, he was married at the time and not living with the woman cosigner on the loan, or in the property in question. 
I have been told that I need to take counsel to protect my interests, but I can not afford to do so. If I need to take an attorney for this, I would have to seek sanctions. This is shoddy legal research at best, or a nefarious legal tactic, to use a title search to find persons with convenient names, who have liens which can be easily usurped.

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 2019-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
XX/XX/XXXX I applied for a forbearance with mr. Cooper. I was informed which documents were required. At the time of my application I was on short term XXXX due to a medical condition. My income from the XXXX was significantly less than my salary. All necessary documentation was provided and the evaluation was not completed. As a result I was instructed to resubmit my application because the documentation had expired. XX/XX/XXXX I resubmitted my documentation at this time my short-term XXXX had ended and I was laid off from my employer. Mr. Cooper instructed that I provide evidence income received prior to the short-term XXXX. After stating that I was no longer employed and did not have access to the electronic pay stubs I was instructed in XXXX to provide evidence via bank statements and direct deposits received from my previous employer. I provided the bank statements as instructed, in XX/XX/XXXX. On two occasions during the month of XXXX to representatives from Mr. Cooper informed me that I had a complete package which is pending underwriter review. During the one phone call on approximately XX/XX/XXXX the representative stated that I had a complete package he saw all of the documentation and agreed that the bank statements reflecting the income was sufficient and for me to IGNORE any future request to validate my income as well as ignore the status on the mr. Cooper portal instructing me to submit additional documentation. 

As I am waiting for my package to be evaluated I was contacted and told that the prior agents provided me with incorrect information and that I needed to contact my employer and obtain pay stubs. My complaint is that I have been attempting to obtain a forbearance since XX/XX/XXXX it is now XX/XX/XXXX and I believe that I am being withheld from obtaining a 6-month forbearance which is a program offered by FHA and furthermore my credit is being significantly impacted by reflecting a delinquent status versus a status of being on a government program. I am asking that copy of conversations be retrieved as I am trying my best to save my home but I'm not getting the proper cooperation from mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2019, I logged into my credit monitoring accounts to review my credit reports so I can apply for a loan in the near future. I noticed with Transunion there are several unauthorized Inquiries that I did not perform on my own credit. I upgraded my credit monitoring membership and locked my credit reports with XXXX XXXX to block any further unauthorized activity. I wrote handwritten letters to each unauthorized credit inquiry and have not received any response from their agencies. On XX/XX/2019, I wrote to Transunion advising of this issue with the creditors and have the tracking numbers for it to monitor. TU Tracking : XXXX, they received it on XX/XX/19 and per the Fair Credit Reporting Act, they have 30 days to investigate and/or block and delete the disputed inquiries. It is now XX/XX/19 and I paid {$29.00} to refresh my credit reports with my credit monitoring account and have had ZERO unauthorized inquiries removed. I am filing a complaint because I know my rights as a consumer and can not become a victim to the amount of time it takes to fix countless issues on my credit reports.

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 2019-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Ive contact TransUnion multiple times to remove inquires off my credit report that I didnt authorize to and they refuse to remove 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 2019-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I sent a wire transfer from my Chase account to an international account. It's been two weeks and the funds still are not credited. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
There are two issues, 1 ) GM Financial migrated their payment system to a new platform. There were significant challenges and it was confusing and this created issues with accessing the site and making payments. The CEO indicated they would not report late payments, but they did. I have a 30-day late on my credit report and GM Financial has refused to update my credit report. 

2 ) I decided to pay my lease off in XXXX ; I have no desire to ever do business with them - I simply wanted them out of my life. I made a payment over the amount due. I verified on my next statement, XXXX and confirmed, there were " zero remaining payments '' on my lease and XXXX amount was due.I decided to check XXXX, because I've been bamboozled by them in the past. The landing page showed two different amounts due and the statement showed I had another payment. I contacted GM Financial via chat. The rep refused to explain why my statement in XXXX said I had XXXX remaining and had no explanation for the other two amounts. She insisted I just pay the {$390.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PHH Mortgage Services Corporation
State: NY

Complaint narrative:
My loan was sold to PHH mortgage fro. XXXX and subsequently the new company changed my name from XXXX XXXX to XXXX XXXX. Every time I call of course its a problem since its two different names. I have no identification with the name XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: CA

Complaint narrative:
Equifax sent me a credit file on the XX/XX/2019, I submitted on the next day Disputes and then Resubmitted again when I was not notified of the original disputes results. I filled with FTC and my local authorities and the creditors and credit companies XXXX, Equifax, XXXX, and XXXX. XXXX has already finished up all the disputes and items were removed from my report. I have and will up load them with this complaint the confirmation fax and certified mail confirmation of received mail from XXXX office where i faxed from and the US post office where I sent the certified letter from. I have called numerous times with disbelief about the whereabouts of my personal documents. I a Identity theft victim already and it seems like its happening once again. The thirty days the said before it up today for the re-disputed items and they have said repeatedly that all they have is incomplete information sent XX/XX/2019 via fax. They are still furnishing information that is incorrect and the results of identity theft. I have been turned down for Jobs I've waited to interview for six months previously and lost out due to not being notified of results that i could have informed my future employer and would have been permitted to have a interview at a later date. I lost my Job due to this as well and i am not able to receive state assistance due to this. I can not apply for credit or services or goods as well. My basic living situation is in turmoil due to the results of identity theft and it's worse when you do everything to fix the effects of identity theft and run into an unfair situation with a Credit Reporting Co. and your the Rights you think you have isn't so true. As i read the FCRA and notice to Furnishers of information ; Obligations of Furnishers under the FRCA. The 611, 609 ( e ) and I really feel as if them Rights have been violated by Equifax although I am not for sure I knew the right thing to do is contact the CFPD and file another complaint. The complaint on file now for Equifax has yet to be replied to from CFPD to Equifax. So I can only hope that they take this complaint seriously and reply to the complaint or notify me that my Documents have been received and that they will do what they were sent for with my documents and protect and secure my personal information that I paid to send. This matter is very serious as it involves Identity Theft. I am afraid at this very moment for my personal information is in the wrong hands due to Equifax and past events within there company. Respectfully, I'm afraid I need help please help me CFPD!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Date : XX/XX/2018 Amount : {$2500.00} Actions : I transferred the money to my friend on the Bank of America mobile app. This transaction is through XXXX. My friend 's account is in the XXXX XXXX. The Bank of America mobile app requests me the name and the phone number of the opposite side person. I gave the information about my friend. But my friend didn't receive the money. 
What I tried to do : I asked Bank of America to refund the money. They told me they finish the transaction. They contacted the XXXX XXXX. XXXX XXXX said they received the money, and they can not refund the money. But the XXXX XXXX also said the name doesn't match, but the money still goes into the account along to the phone number. Bank of America said they transferred the money relies on the phone number, it doesnt care if the name that I gave is matched or not. But they did request me the name of the account, and XXXX XXXX said the name does NOT match, so they should NOT transfer the money. I also contacted the XXXX, they told me they can do nothing for it, and they encourage me to ask help for the Bank of America.

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 2019-04-16 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: Westlake Services, LLC
State: CA

Complaint narrative:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, and XXXX XXXX XXXX  with no successful resolution. XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
A paypal credit account was opened on my account on accident. I don't recall opening it or consenting to a credit account. I only discovered the account when I got a delinquent payment email. I paid the balance and promptly called Paypal to close the account. I believe the account was closed. 

I'm making this complaint because I believe its completely inappropriate ( and possibly illegal ) that an account was opened without my explicit consent.

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 2019-04-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Company refuses to increase credit limit, their reps provide misinformation and constantly give customers the " run around ''. Very poor customer service

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 2019-04-16 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 have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting Experian, and XXXX XXXX XXXX   with no successful resolution. Experian only reporting me 30 days late. There was an error on their part. I was never 30 days late.

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 2019-04-16 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: AL

Complaint narrative:
On XX/XX/XXXX a fraudulent account was opened in my name with XXXX. I contacted XXXX to start an investigation immediately and it was completed in XXXX. XXXX sent a request to Equifax to have the account removed and they did not remove it. I called XXXX again on XX/XX/XXXX and a second request was sent to Equifax to have this fraudulent account removed. It has now been almost 90 days past the second request and Equifax has not removed the fraudulent off my account. I have sent in letters with the document from XXXX stating the account was fraudulent along with documentation and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RESIDENTIAL HOME FUNDING CORP.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX  assumed a debt over a defaulted mortgage and wants to settle on foreclosing the property. The defaulted mortgage was signed by a woman ( XXXX ), and was co signed by a man ( XXXX. ). XXXX XXXX XXXX XXXX  did a wide sweeping title search and created a Foreclosure Transaction Consumer Credit Transaction Summons and named many possible subordinate lienors. 
In their sweep, they included my ex husband ( XXXX ), who has the same name as the second signer, the man who defaulted on the property loan. They then named me, by capacity of my having a money judgement against my ex-husband, for unpaid equitable distribution. They name The IRS as a defendant as well, in the capacity that at least three other men who all share the same name, and have tax liens against them. XXXX XXXX XXXX XXXX is trying to subordinate my money judgement to theirs. Further, my ex husband is not the person who signed on that property loan to begin with. The signature on the lease is not his signature, he was married at the time and not living with the woman cosigner on the loan, or in the property in question. 
I have been told that I need to take counsel to protect my interests, but I can not afford to do so. If I need to take an attorney for this, I would have to seek sanctions. This is shoddy legal research at best, or a nefarious legal tactic, to use a title search to find persons with convenient names, who have liens which can be easily usurped.

Company response to consumer: Closed with explanation