vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: NH

Complaint narrative:
XX/XX/XXXX - Call PHH mortgage to refinancing my home due to my husband was let go from his job and my household income reduced 50 % and we are on strict budget to keep up with our expenses. This is a very simple and straight forward refinancing without cash withdrawal but just to reduce monthly payments with reduced interest rate. 


XX/XX/XXXX - Applied for refinancing on my primary residency home XX/XX/XXXX - Start working with loan processor XXXX XXXX XXXX, PHH Mortgage, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, FL XXXX Tel : XXXX XX/XX/XXXX - My refinancing loan was approved with additional questions were requested via email XX/XX/XXXX - Feedback with my answers XX/XX/XXXX - Call the loan processor for an updated but no answer and I left an voice message XX/XX/XXXX - XX/XX/XXXX - Called several times in the next few days but no call back. Another loan processor answered and kept me on hold for 30 minutes and hung up on me XX/XX/XXXX - Spoke to a different loan processor and request to escalation and she acknowledge it XX/XX/XXXX - Called PHH again and another loan processor answer and put me on hold for more than30 minutes. 

t 's so frustrating and disappointing that the company perform a such a bad service while we need the most help from them to keep us out of debt.

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 2020-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: TN

Complaint narrative:
I have had a XXXX XXXX XXXX for several years. Recently my health was compromised by XXXX XXXX and I have and was affected by XXXX XXXX for several months. 
I requested with my mortgage servicer mortgage assistance and a Forbearance under the Cares Act. Spoke with Customer Service XXXX to inform them my house is listed for a property foreclosure sale XXXX, I ask if the forbearance had been approved. I was told because my mortgage was not one of the mortgages that was included in the Cares Act. Also the Cares Act has postponed all property foreclosures sales until XXXX as I have read on the government web site that all mortgages were eligible for the forbearance. I feel my mortgage servicer is unwilling to work with me. 
They are discriminating against me because of my XXXX I've been trying to get mortgage assistance for several months. I don't want to lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: DC

Complaint narrative:
I refinanced a mortgage with a different company and the title company sent wire transfer to payoff existing mortgage confirmed receipt on XX/XX/XXXX. Amount exceeded mortgage payoff by XXXX ( as estimated by refinance company ). Original mortgage company determined the excess and is withholding remitting the overpayment to me for 21 days arbitrarily stating CFPB policy requires them to hold the funds for 21 days in the event the bank reverses the payment yet wire transfers do not have the same 21 day reverse window that other payments like personal checks have. Therefore Caliber is withholding XXXX for 21 days unnecessarily and refuses to send funds any earlier. State at 21 days they will then " mail '' a check to me by regular postal mail only which gives them even longer to hold my money interest free. Even if you can not resolve this for me personally, I believe mortgage companies obviously need even stricter regulations to prevent them from abusing the consumers by withholding substantial funds for extended periods to further enhance their profitability and cash flow at the expense of the consumer. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: CA

Complaint narrative:
Someone used my identity to apply for credit cards with Citi Bank. I mailed Citi Bank 2 letters asking to remove the unauthorized inquiries, but they refuse to do so.

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 2020-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Hi XXXX/XXXX  ; how are you doing? Listen, I'm really shocked that I'm reaching almost 90 days counting on the last dispute that i sent to both the creditor and credit bureaus base on the way this account is reporting but yet they've failed to respond. There is absolutely no way that this can take this long, despite the fact that we're facing COVID-19. Impossible! It also continues to report incorrect dates of last active, dates of last payment, 1st date of delinquencies, etc. It's not right! I was told that the account needs to report 100 % accurately according to the law and it also needs to be verifiable! This account is not verifiable and it's incomplete. Again, Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2020-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Hi XXXX/XXXX  ; how are you doing? Listen, I'm really shocked that I'm reaching almost 90 days counting on the last dispute that i sent to both the creditor and credit bureaus base on the way this account is reporting but yet they've failed to respond. There is absolutely no way that this can take this long, despite the fact that we're facing COVID-19. Impossible! It also continues to report incorrect dates of last active, dates of last payment, 1st date of delinquencies, etc. It's not right! I was told that the account needs to report 100 % accurately according to the law and it also needs to be verifiable! This account is not verifiable and it's incomplete. Again, Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Hi XXXX/XXXX  ; how are you doing? Listen, I'm really shocked that I'm reaching almost 90 days counting on the last dispute that i sent to both the creditor and credit bureaus base on the way this account is reporting but yet they've failed to respond. There is absolutely no way that this can take this long, despite the fact that we're facing COVID-19. Impossible! It also continues to report incorrect dates of last active, dates of last payment, 1st date of delinquencies, etc. It's not right! I was told that the account needs to report 100 % accurately according to the law and it also needs to be verifiable! This account is not verifiable and it's incomplete. Again, Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2020-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dealer Funding, LLC
State: AL

Complaint narrative:
I recently obtained a copy of my credit report and noticed many accounts that I had no knowledge of.

Company response to consumer: Untimely response
Consumer complaint received 2020-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX, 2020, I received an email message from my bank Chase Bank/JPMC, asking if I tried to make a charge at a gas station in FL.? I live in CA. It was YES or NO. Answer. I immediately called the Chase Bank fraud dept and spoke with " XXXX '' from the XXXX call center, a fraud specialist. 

I explained to her what I received, and if the email was true and correct. She said YES it was, and to click the NO button, stating that it wasn't me who tried to initiate the charge. Right after clicking the NO button, it brought me to a new screen, the Chase Bank On-Line Banking Website. Again, I asked XXXX if this was alright to put my information in, her reply was YES, so I did. 

The next screen asked for all of my personal information such as SS #, DL #, mother 's maiden name, Bank account number, Pin on all accounts, and the debit card number, and so on. I found that very odd and again asked her if I should fill out that information, and if Chase asks for all that information. She said YES, and to send it. 

Within 10-15 seconds after sending the information, she says to me, " Wait, don't send it '' that she misunderstood, she thought I was asking how to retrieve my password. I became livid, knowing that my identity was fully compromised because a Chase employee didn't listen to what I was saying. She had a very thick XXXX  accent. She abruptly hung up on me. 

I called back to the fraud dept and spoke with someone else who could lock down all the accounts, credit card, and saving account so that it would cover any further damage. I also had to spend {$250.00} on XXXX XXXX for a year, which I would never have needed. 

I called back today and spoke with Chase Fraud Protection, which added even more security to my account. I asked about what Chase would do in reimbursing me for the cost of XXXX XXXX? They transferred me to the Claims Dept, which I explained my problem, and they refused to reimburse me for any amount. Now, what do I do? 

The original conversation was being recorded, or at least that what she said. Shouldn't Chase be liable for something?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: DE

Complaint narrative:
My Name is XXXX XXXX XXXX and I have a loan that is currently being serviced by PHH Mortgage with the loan number : XXXX, I started missing my payments on the mortgage in the month of XXXX of 2019 after my wife was hospitalized because of XXXX  XXXX, and I started to get behind on my mortgage, and as the entire world is suffering from the severe hit of Coronavirus, I lost my Job in the month of XXXX, I applied for a loan modification from PHH in the month of XXXX and I was denied stating I cant be given a loan modification as no loan modification is allowed on my mortgage, I also tried speaking with the Relationship manager and supervisors at PHH asking them to give me a Repayment plan or a Forbearance plan, but I was told that they can't help me with any of those plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: IN

Complaint narrative:
I received a Chime Bank Visa debit card in the mail XX/XX/2020. The letter indicates I also have an account number with routing number ( I assume this is some type of checking or savings account that is related to the debit card ). I did not request this card or account - in fact I had never heard of Chime Bank before this card arrived in my mail. 

I have tried to call them at the only phone number they list ( XXXX ) but their automated phone system never goes to a human to discuss this issue. 

I tried emailing their generic XXXX email but their agents repeatedly request me to send my PII over email. They are asking for photos of my driver license, photos of me holding the card etc .... I refuse to do this as this is a huge security risk. I continually ask them for phone number to their Fraud Department Manager and they will not supply any phone numbers to discuss this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have wrote to you all about this complaint and you wrote to the company and the company responded back saying that it would be closed and removed from all credit reporting bureaus. Now its showing on my credit report that it has been paid in full but has not been removed. The statute of limitations is up on this account this is an account from 2009.

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 2020-09-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
This is about both my new savings account and my new checking account, but this system only allowed me to choose one account. 
I opened new savings account XXXX and new checking account XXXX and tried to link them to my XXXX XXXX  account. But XXXX was unable to verify the accounts. I phoned Citi and spoke with XXXX on XX/XX/XXXX ; he confirmed that my accounts were open and said he's email me a letter that I could send to XXXX, stating that these are my accounts. However that was over a week ago. I have not received any emailed letter, so I am still unable to link the accounts to my XXXX XXXX  account and thus unable to fund the accounts.

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 2020-09-28 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: MD

Complaint narrative:
I have sent repeated request to Equifax to remove several inquires that was not authorize, they continued to keep denying my request to remove them under the Fair credit act. 

i submitted those same request to XXXX and XXXX  and was successful. 

I am looking to purchase a home and can not due to these inquires. 

In addition to send them 2 certified letters, i also disputed on line and was very taken back by their denial within 24 hours without investigating

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Someone used my identity to apply for credit cards with XXXX XXXX. I mailed XXXX XXXX  2 letters asking to remove the unauthorized inquiries, but they refuse to do so.

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 2020-09-28 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
XXXX  refuses to remove td bank inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-28 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: FL

Complaint narrative:
I'm filing this complaint against the credit bureau today because I am a victim of identity theft which I've submitted my identity theft affidavit from the FTC with the credit bureau. They're items on my credit report that I have disputed that has been removed except for the public records. The credit bureau are claiming to have verified the inaccurate information as accurate but when proof is requested of how and with whom I have yet to receive any documents. I have contact the creditor directly and they provided me with a letter stating they do not submit any information to the credit bureaus. So my question is to whom was the information verified with and why haven't I yet received any documents with my signature of this account??? Because the accounts has been verified as my account and I would like it removed. 
I'm uploading my dispute letter I mailed back in XXXX of this year along with my security freeze confirmation letter, and the letter I received from the courts house.

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 2020-09-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian refuses to remove XXXX XXXX  inquiries

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