vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021, I received an email alert from Chase stating that there was an ongoing wire transfer of {$8700.00} debited from the account that afternoon. Knowing this was NOT me, as the wire transfer was to a stranger in a completely different state, I immediately called to report fraud. The employee at Chase said my mother, with who I share the Chase account, confirmed the transaction. We then went on a joint call and confirmed that neither of us confirmed this transaction. Chase proceeded to tell us that we have to wait up to 10 business days to receive an affidavit, sign, and return it, and 5 days later an investigation will begin for the fraudulent transaction. The pending wire transfer is not being stopped, the money is not being put back into my account, as well as freezing my account until the investigation is over, in about two weeks. This is my primary source of funds. Not only have I lost {$8700.00} by someone easily logging in to the account, but now I have no access to my funds. The security at Chase did not protect my account or my joint account with my mother. A stranger easily logged in and took money, and Chase is not doing anything immediately to fix the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: UT

Complaint narrative:
I have been submitting disputes with the three major credit bureaus and none of them have responded to me! I have serious erroneous items on my credit file and I have been getting no where. Since XX/XX/XXXX I have sent multiple disputes and deletion letters and yet nothing seems to get done. The bureaus must remove things from my credit! Under the law you have 30 days to respond to my disputes and its been MONTHS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have been submitting disputes with the three major credit bureaus and none of them have responded to me! I have serious erroneous items on my credit file and I have been getting no where. Since XXXX I have sent multiple disputes and deletion letters and yet nothing seems to get done. The bureaus must remove things from my credit! Under the law you have 30 days to respond to my disputes and its been MONTHS.

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 2021-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Social Finance, Inc.
State: OH

Complaint narrative:
I have been working with SoFi since XXXX for a home refinance. I started this process and selected their company as they offered a competitive rate ( historic lows ) and low closing costs. I would have selected another bank in fact if their closing costs they represented were actually accurate to what they then modified throughout the process - as their rate was not the lowest. Since XXXX, I am still in the closing process, and have in fact had my closing scheduled and canceled Bc of disorganization or what appears now to be discriminatory behavior on their end. The amount of documentation, and verified, credit cards information, multiple credit runs, employment verification over and over this 5 month process has been unimaginable. I have complied in every attempt to make this work, but it appears this bank does not want to proceed with this refinance for some reasons. I have excellent credit, payment history and employment, so there is no reason this loan should be denied. Im at a loss and frustrated that i have not been afforded the opportunity to get a more competitive rate in the market Bc of the actions of this company. The have lied throughout the processes making it impossible for me to move on to another institution to take advantages of the rates in a timely manner. As they will see from my document history I provided nearly all documents in less than 3 days keeping the process moving. The screen shot attached shows my compliance since XXXX and my showing as XX/XX/XXXX ( even though its 2 days away and they requested 2 more documents today and have not scheduled a closing ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: NATIONWIDE ACCEPTANCE LLC
State: OH

Complaint narrative:
There are numerous unauthorized inquiries on my credit report that I would like removed as soon as possible due to I did not apply for any credit

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 2021-03-10 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: CORELOGIC INC
State: OH

Complaint narrative:
There are numerous unauthorized inquiries on my credit report that I would like removed as soon as possible due to I did not apply for any credit

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 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Transunion has not responded to none of my disputes. I wrote to them requesting an investigation for the accounts listed in the letter attached and per my return receipt, it was delivered. I asked for a investigation to remove accounts that are Inaccurate. This is affecting me from purchasing a home and is upsetting. I have not received a reply from you or any acknowledgment that an investigation has begun. I am requesting for you to delete these accounts immediately from my credit file. I sent my dispute letter on XX/XX/XXXX and a follow up letter on XX/XX/XXXX so this is my third request. I also understand, under Federal Law, you are required to complete and notify me of your investigation results within 30 days, we are now on day 45 people! Again, please DELETE these inaccurate items from my credit file, permanently.

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 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma, LLC
State: NY

Complaint narrative:
Credit Karma is reporting inaccurate information on my credit report. The AGE OF CREDIT HISTORY is not accurate on my credit report and thats a fraudulent act against me. Why are some of my accounts showing a history of 3 YEARS AND SOME MONTHS but CREDIT KARMA is reporting 1 year and 6 months which is not true. If your company is not going to report the truth, why bother to report at all. CREDIT KARMA IS REPORTING FALSE INFORMATION AND MY CREDIT SCORE IS INACCURATE because of it. I am being denied credit by companies because of the current inaccurate information being reported by CREDIT KARMA. I also checked with XXXX XXXX and XXXX. They have all the correct information in their system on the account and dates. So Im left to wonder why would Credit Karma have the information incorrect on propose in their system. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: SC

Complaint narrative:
On XX/XX/2021, I sent a letter with respect to mistaken and obscure things on my credit report. Right up 'til today, more than 60 days after the fact, I have not gotten a reaction yet. I have an inclination that I'm being exploited and being overlooked of my questions. Area 611 ( a ), it is doubtlessly expressed that an inability to examine these things inside 30 days gives motivation to eliminate those things from my credit report right away. It has been more than 60 days, so they ought to be erased speedily. I request these records be erased promptly, or I will petition for suit because of the pressure you caused me. My data was additionally affected by the Equifax information break and may have under the control of some unacceptable individual. 

I XXXX XXXX authorize this dispute on behalf of myself. I have not hired or received assistance from any third party company in preparing or submitting my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc.
State: CA

Complaint narrative:
T0 whom this maXXXX concern : The Following debt of {$650.00} by Southwest Recovery Services is not my debt. I have repeatedly contacted to inform of IDENTITY THEFT for this account. This Debt was not completed by me. My identity was wrongfully used for this account. I have contacted a lawyer regarding this debt trying to be falsely claimed. Under the FDCPA laws you are trying to collect a false debt from the actual person not responsible. My lawyers are ready to sue in in court for wrongful accusations and defamation of character. I will be seeking punitive damages for the continued negative collections on my credit which have in return caused hardships for my future.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Valor Intelligent Processing, LLC
State: OR

Complaint narrative:
An agent from Valor Intelligent Processing LLC called my husband at XXXX over the last week of XX/XX/XXXX and kept asking to speak with me, XXXX, about a 'personal matter ' that they would not disclose. My husband gave them my phone number eventually, because it seemed official, and they started calling me. On XX/XX/XXXX I took a call from a person from Valor Intelligent Processing LLC who read my entire social security number to me to verify my identity. He said I owed {$110.00} for a delinquent bill from XXXX XXXX from XX/XX/XXXX. I didn't trust what he was saying so I hung up the phone. They kept calling, and on XX/XX/XXXX I received a call from Valor Intelligent Processing, this time a female voice sounding very professional. I told her I thought it was a scam and she assured me that that was not the case, apologized for her colleague, and had me log-in to the Valor site to show that I had an account there. It ended up seeming legit. I paid {$95.00} over the phone and gave my address to receive confirmation of the bill paid. I then got paranoid after the call and called XXXX XXXX to confirm that they use Valor Intelligent Processing as a debt collection agency and they confirmed that they do not use them. I can see the {$95.00} to Valor Intelligent Processing on my bank account information, but this is a scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I asked Quicken Loans my lender to remove our PMI. We have more than 50 % equity. 
This is the letter I wrote and below my letter was their response. 


XX/XX/XXXX Qualified Written Request XXXX  ATTN : QUICKEN LOANS RE : REQUEST TO REMOVE PMI XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Ca XXXX WE ARE REQUESTING CANCELLATION OF PMI BASED ON THE HOMEOWNERS PROTECTION ACT AMENDED POLICY OF XX/XX/XXXX. 

The Dodd Frank Act granted Authority to remove the PMI Based on our equity. 
Consumer Financial Protection Bureau To Enforce Compliance XXXX XXXX XXXX XXXX IA XXXX ( XXXX ) XXXX Please see : XXXX : XXXX Please respond to XXXX & XXXX XXXX XXXX XXXX XXXX XXXX Please send response in the mail hard copy. Plus Please email to me at XXXX XXXX*Response from Quicken Loans Below************************** Good Afternoon XXXX And XXXX Thanks for the below email concerning the removal of mortgage insurance. Your loan is not eligible for the early cancellation of mortgage insurance. You have a FHA loan and mortgage insurance will be auto cancelled after it is paid to HUD for 11 years. 

If you have any further questions though, please dont hesitate to reply to this email or call our team at XXXX. 

Thank you for being a Quicken Loans client, and have a marvelous day! 

XXXX XXXX Quicken Loans Client Relations Monday -Friday XXXX - XXXX EST Saturday XXXX - XXXX EST XX/XX/XXXX Qualified Written Request XXXX ATTN : QUICKEN LOANS RE : REQUEST TO REMOVE PMI XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX WE ARE REQUESTING CANCELLATION OF PMI BASED ON THE HOMEOWNERS PROTECTION ACT AMENDED POLICY OF XX/XX/XXXX. 

The Dodd Frank Act granted Authority to remove the PMI Based on our equity. 
Consumer Financial Protection Bureau To Enforce Compliance XXXX XXXX XXXX XXXX IA XXXX ( XXXX ) XXXX Please see : XXXX : XXXX Please respond to XXXX & XXXX XXXX XXXX XXXX XXXX XXXX Please send response in the mail hard copy. Plus Please email to me at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
Yes. The company had sent me out paperwork to fill out for a loan modification and I sent the paperwork back in and then they reviewed it and sent me back a letter saying I was approved and needed me to get XXXX papers notarized and I did that as well but then they said they out of the 4 only two were notarized and I resent them the same copies and each time I overnight this paperwork as the receipts will show but they keep saying I didn't get the paperwork in on time but there was nothing wrong with the paperwork in the first place. So they denied me what they had already approved me for and I've had an financial cut in my income but I should be okay by XXXX. This company has been giving me problems from the day they took over Ocwen and not to mention that my Mortgage payments have went up along with my fixed interest rate. I'm totally XXXX and I want to keep my home. I have worked for this home since I was young as a single mom with XXXX children, I was being lazy depending on XXXX, I worked and I had to raise my kids and it just is frustrating to look back at these papers and see that I purchase this house in XXXX for {$48000.00} and its now XXXX and I still owe more than the purchase price {$50000.00}. I never refinance to my knowledge, I was just a young lady trying to buy my first home and my kids are grown and with their own families and I'm still in great financial debt with this house. I don't even understand how or why. I don't know what went wrong or how could I have been paying for taxes or interest all these years. Please somebody help me that I may help someone else never to be in this position, Thanking you in Advance for your Sincere Time and Concern over my Situation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: NV

Complaint narrative:
My credit report was dinged by Audi Financial Services unnecessarily. Audi Financial Services had my email address at XXXX, and was never able to contact me to let me know my payments were not going through. The reason my payments were not going through is because it is a company car that is paid for by our company, and our business changed bank accounts after being acquired. After the acquisition, I updated the bank information and made a payment, but Audi never informed me that autopay wouldn't be reenabled, which is ridiculous. i have made every payment on time on the same day every month, and no one ever even gave me the courtesy of telling me that my payments were not being made and that autopaid was turned off. Instead, they went straight to dinging my creditr report, which I didn't uncover until I went to apply for a home loan, for which I was denied purely because of the dings by Audi Financial Services. 

There were two payments that were late for XXXX and XXXX, and they were for about {$800.00} each. 

In the attached photo, I took a screen shot that shows Audi Financial Services had XXXX as my gmail. Any competent agency should know that the email domain XXXX XXXX '' is a typo ( on their end by the way when I leased the car ), and should have made an effort to find or fix the email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL

Complaint narrative:
See there response below response i got with no phone number or email to contact comptroller of the currency. 

XXXX XXXX : After our review, we found that the best agency to help you with your issue is Office of the Comptroller of the Currency. If you would like to submit your complaint with Office of the Comptroller of the Currency, contact them directly at or call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I sent a validation letter to a collection agency XX/XX/21 to prove obligation in paying towards a debt and if the amount owed was correct. 

Just recently, XX/XX/21 I received descriptive paper work on procedures done and medications received. I never sanctioned them to send me medical records neither did I sign a release form allowing them to do so. 

Patient confidentiality in my opinion has been shattered. Personal information has been sent out publicly and who knows whose hands they may have gotten into. My HIPPA rights have been violated which is why I am sending this CFPB complaint today. 

I anticipate getting this matter resolved. 

Thank you, Best.

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 2021-03-10 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: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
BECU filed a 60 day late payment report, when they received all payments within a 30 day window. This began with my XX/XX/2020 payment. They processed this payment on XX/XX/XXXX and charged a late fee. I included the charged late fee with my normal on time payment which cleared on XX/XX/XXXX. 

Things became stranger when I went in person to pay my XXXX payment as I have had trouble with checks getting processed in time due to an apparent delay in the mail. The teller explained the system shows a late payment of 60+ days yet they saw all previous payments were made and I only owed what I was there to pay. They notated my account and said it should be fixed on XX/XX/XXXX, on XX/XX/XXXX I received a credit score update with a 60 missed payment report and a drop in my credit score of 100+ points. 

This has now affected my lively hood, and taken several attempts to escalate the reporting within BECU. I feel BECU should be fined for falsely reporting misinformation to the credit bureaus and affecting someone's every day life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc.
State: CA

Complaint narrative:
T0 whom this may concern : The Following debt of {$650.00} by Southwest Recovery Services is not my debt. I have repeatedly contacted to inform of IDENTITY THEFT for this account. This Debt was not completed by me. My identity was wrongfully used for this account. I have contacted a lawyer regarding this debt trying to be falsely claimed. Under the FDCPA laws you are trying to collect a false debt from the actual person not responsible. My lawyers are ready to sue in in court for wrongful accusations and defamation of character. I will be seeking punitive damages for the continued negative collections on my credit which have in return caused hardships for my future.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I the consumer sent TransUnion a affidavit about items on my report without my permission. 

Title 15 1681a ( 2 ) ( b ) and 15 1681a ( 2 ) ( c ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer

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