vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: EQUIFAX, INC.
State: OH

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have been violated by Bank of America/XXXX XXXX on XX/XX/2021. I am a victim of identity theft and did not give permission to anyone for assumed access to my information.I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1640 15 U.S. Code 1681n 15 U.S. Code 1691 15 U.S. Code 1692c Please have these inquiries removed from 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 2021-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have been violated by JPMCB on XX/XX/2020. I am a victim of identity theft and did not give permission to anyone for assumed access to my information.I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1640 15 U.S. Code 1681n 15 U.S. Code 1691 15 U.S. Code 1692c Please have these inquiries removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my report : Collection : XXXX - Balance {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) -XXXX - Balance {$57.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: FL

Complaint narrative:
I have been a victim of identity theft due to my information being caught in a breach. I tried to contact the credit bureaus by phone and by mail and they let me know that I had to contact my local police department to get a police report for the incident. I have since mailed this report over to the credit bureaus and am currently waiting for their response. I use my credit in conducting business many times per year and cant afford to have a negative rating due to someone else 's actions. My friend told me about this site. Please help me resolve this. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Prosper Marketplace, Inc.
State: GA

Complaint narrative:
On XX/XX/2021 via certified mail with return receipt, with the following tracking number ( XXXX ), I consumer XXXX sent Prosper CEO, XXXX XXXX a CEASE AND DESIST letter, along with an Affidavit of Truth. On XX/XX/2021 it was delivered, but Prosper failed to sign the return receipt acknowledging they received the communication. In the letter, it stated to cease and desist the collection of this alleged debt as well as cease contact with 3rd parties such as the Consumer Reporting Agencies. Prosper willingly continued to contact these 3rd party Consumer Reporting Agencies. Prosper also failed to rebut the affidavit. An unrebutted affidavit stands as truth in commerce. Prosper further closed the account as a charge off, which is also a violation of the cease and desist letter that they received on XX/XX/2021.

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 2021-11-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
This request has been denied and I would like these inaccurate information to be REMOVED. 

XXXX Account Number : XXXX 01 XXXX XXXX Account Number : XXXX I would also like this inaccurate information to be UPDATED TO POSITIVE : CAPITAL ONE Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo illegally reported my mortgage as currently and previously for the past years showing Delinquent ; as it is not and at any point it should not be or previously show delinquent. In the past received a Modification and WF noted would not report past due during covid and also prior to covid worked with specialist XXXX XXXX due to WF illegally treated me unfairly with improper mod agreement. 
WF continues to treat me unfairly and falsy report derogatory info for years and should pay for it by relieving my mortgage payment s for A YEAR due to their negligence. 
Intentionally placed my credit report in jeopardy and derog status by incorrectly reporting false and derogatory information. 
WF intentionally and continuous mistakes by treating me unfairly as this is atleast what they should offer. At this point they should be penalized by offering no mortgage pmt relief for the next 12 months due failure to report correctly. 


First incident-mod agmt kicked out due to making a pmt at a drive thru and they/XXXX XXXX stated pmt was late as it wasnt -they immediately started foreclose process as I got HUD/CFPB complaint involved to correct . 
2d time-opened 3 checking acts without my authority and request to close as they refused to close-/file complaint w/CFPB 3rd time - continued to charge me pmi after I paid over 30 % of bal and inquired as they stated they removed pmi as WF lied, reported to cfpb as WF had to reimburse me for the overpayments 4th time-refused to offer proper mod agmt after I informed WF should be in a forbearance plan/showed proof of unemployment- instead WF offered HUD partial claim, file complaint w/CFPB & HUD as HUD resolved . 
5th time XXXX same situation-got laid off & provided HUD partial claim, higher rate and longer term as they should have offered forbearance mod agmt.-HUD involved and file complaint with CFPB as well..

This is the 6th time WF has treated me unfairly. When does it stop and how many times do they get away with this? WF must own up to their mistakes, with all of these illegal and fraud situations I have be treated unfairly and ended up pay additional interest, start my mortgage all over again in XXXX, after paying over XXXX into it since XXXX, and WF get more funds from me repeatedly. Yes they must own up to their mistakes by relieving my mortgage for one year OR remove the whole debt due to fraud.

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 2021-11-08 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: OH

Complaint narrative:
I have 3 inquiries that I command to be removed from my credit report with TransUnion. TransUnions policy doesn't supersede federal law. They are reporting information on my report that is inaccurate and the result of identity theft. 
15 USC 1681C-2 ( A )

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 2021-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have been violated by JPMCB on XX/XX/2021. I am a victim of identity theft and did not give permission to anyone for assumed access to my information.I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1640 15 U.S. Code 1681n 15 U.S. Code 1691 15 U.S. Code 1692c Please have these inquiries removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Yard card finances lawn equipment through td bank. I mail my payment through my online account at XXXX XXXX every month. They applied my XXXX payment to the wrong account. I have contacted them by phone and email and they can not straighten out the problem. My account number with yard card is XXXX. The account they credited payment to was XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I applied for American Express credit card on XX/XX/21 and got approved for the sum of {$10000.00}. I have been using my card and paying my monthly payment accordingly without missing any payments. 

However, I just received an email stating my credit limit have been reduced to half of the initial credit limit on my credit limit. This totally un acceptable, since I was never behind on my credit card payment. 


I received an email that my credit limit is been reduced without any warning or anything saying such when I signed contract with them. I believe this have been racial profiling against me and my financial capabilities. I demand an apology and my credit limit to be restored to the stated approved credit limit. I believe this is miss used of power from " America Express '' and nobody should go through this discrimination ever!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: WA

Complaint narrative:
On XX/XX/2021 the credit card company ( Aspire ) charged me a {$29.00} late fee. The company stated that my payment was returned by my bank. I looked up my bank statement online ( XXXX acct. ) It showed my payment paid on XX/XX/XXXX. I emailed Aspire a statement showing it was paid. Aspire emailed me back stating again that my payment was returned. I got mad and called them. They did not give me any reason for the charge and offered to reverse the fee. I accepted. There was another time about a year ago this company charged me a late fee that again was taken off because I am never late in my payments. Is this company just charging people at random seeing if they notice the fee or just pay it? If it happens again I am going to the FTC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Leaders Financial Company
State: NJ

Complaint narrative:
THE COMPANYS RESPONSE DID NOT ADDRESS ALL OF MY ISSUES!!! 

The late fees and my balance is still incorrect. Leaders Opened my car loan on XXXX XXXX for $ XXXX.and I had a {$5000.00} down payment as well. That loan amount of {$10000.00} is also listed on my credit report. I have made my payments of {$390.00} as per my contract on time for 27 payments. My credit report states this information of on time payments. Therefore my loan balance should be paid. The 27 payments total is@XXXX. Please Advise, Please forward this information to the company as well... 

loan company : Leaders Finance company XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: EQUIFAX, INC.
State: AL

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: IL

Complaint narrative:
The lender for my home mortgage is United Wholesale Mortgage ( UWM ). After I paid 80 % of the loan, I was given an option to close the Escrow account which I did in XX/XX/2021. In XXXX I was sent a check for {$5900.00}. I deposited the check in my Savings account and right when I was about to pay the property taxes using that money, the check returned. I was sent no communication from the lender as to why the check returned. I contacted them a few times but I was provided generic information and told that they will send a new check. Property taxes were due in XXXX and I could not pay it on time as I didnt get the check on time from UWM . 

I had to not only borrow money from someone but also pay a late payment fine on my property taxes. Since then I have contacted UWM more than 5 times and I have been put on hold for hours. Every time they representative tell me that check is on its way but I have still not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
we applied for a loan modification in XXXX and was told that the bank would put us on a trial for the months of XX/XX/XXXX, XXXX & XX/XX/XXXX with payment coupons in the amount of $ XXXX. We pd on time and the bank was to draw up paperwork stating they would do the loan mod. In XX/XX/XXXX we had NO payment coupon and didn't know what if anything was to be pd since the bank was working on what the amount would be and drawing up the paperwork. On XX/XX/XXXX the bank had us sign docs stating what the amount would be. On XX/XX/XXXX the bank signed off on that XXXX and returned a copy to us. On XX/XX/XXXX we recv 'd our XXXX statement stating our payment was XXXX XXXX paid that. There was no late payment saying we didn't pay XXXX ... there was NO doc stating we owed a XXXX payment at all. In XX/XX/XXXX we recv 'd our XXXX statement which was substantially higher and we called to dispute the amount... .the bank finally responded to our complaint stating the large payment amount was due to ins XXXX I obtained another XXXX and our new payment was $ XXXX. that issue didn't get resolved until XXXX. In XXXX I tried to make XXXX separate payments to bring our account back up to date since all issues were now resolved. The bank would NOT allow us to pay anything unless we paid XXXX payments all at once ( XXXX, XXXX and XXXX ). We just went thru this loan XXXX and were not able to make XXXX payments at once. In XX/XX/XXXX we were able to obtain a loan from our TDSP and paid everything $ XXXX. at this time we still believed that we were good to go with the loan mod as we were NEVER told otherwise. We then recv 'd our XXXX stating debt forgiveness for XXXX. The bank said that we had to wait 3 years to get this removed from our acct. when the XXXX yrs was up the bank refused to remove the forgiven debt stating that the loan XXXX never went thru and now that balance was deferred. there was no point in even doing the loan mod since the bank never intended to go thru with it from the beginning. I am in need to doing a refi since we are both on Social Security at this time and I need to lower our payments. Are the banks allowed to cheat people with these loan mods? this was a gov program to help homeowners along with the banks and in this case they didn't assist us in anyway. Please assist. I have tried to work with this bank and they have been uncooperative. No bank will allow a refi with a deferred debt of $ XXXX ... .the home is not valued at $ XXXX. avg home sales are low $ XXXX 's

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
My brother, aunt, and I inherited my late mother 's home in XXXX. The home had a mortgage on it, which we paid off in XX/XX/XXXX pursuant to a loan payoff quote received from PHH Mortgage Services. Unfortunately, PHH Mortgage Services did not take into account our regular loan payment for that month when providing the payoff quote and, thus, the company received an overpayment when we paid off the loan. PHH Mortgage Services mailed a check for the overpayment in the name of the estate despite being told multiple times, including in XX/XX/XXXX, that our family does not have an estate bank account. 

Following our payoff of the loan, we were informed about the overpayment and told by multiple PHH Mortgage representatives that the mortgage company would issue a check in the amount of the overpayment and would include as the payees the property owners, my brother, aunt, and me, since there was no estate bank account. However, the company sent a check in the name of the estate in spite of their prior claims. When receiving the erroneous check, I contacted the company and was requested to once again send copies of the deed and probate paper. Upon sending those documents, I was informed that the check would be re-issued in our names. I followed up several times after this conversation and a new check was not re-issued until XX/XX/XXXX, and was once again issued with the estate as the payee. 

I have tried resolving this issue with the mortgage company since paying off the loan in XX/XX/XXXX, including speaking with a representative today, XX/XX/XXXX, to no avail. My fear is that the mortgage company will wait for the erroneous check to expire and fail to pay my family the overpayment it received on the account. As I have explained over and over, if their accounts payable team has difficulty understanding how to include multiple payees on a check, then they can simply refund the overpayment to the bank account from which we paid them. 

We are a working class family from extremely humble means so every cent matters to us. We feel it is unfair that PHH Mortgage Services could get away with stealing our money as a result of their own error in not providing an accurate payoff quote. 

We would sincerely appreciate any assistance the CFPB may provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have been violated by JPMCB on XX/XX/2021. I am a victim of identity theft and did not give permission to anyone for assumed access to my information.I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1640 15 U.S. Code 1681n 15 U.S. Code 1691 15 U.S. Code 1692c Please have these inquiries removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been a victim of identity theft due to my information being caught in a breach. I tried to contact the credit bureaus by phone and by mail and they let me know that I had to contact my local police department to get a police report for the incident. I have since mailed this report over to the credit bureaus and am currently waiting for their response. I use my credit in conducting business many times per year and cant afford to have a negative rating due to someone else 's actions. My friend told me about this site. Please help me resolve this. Thank you

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