vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
We have not yet missed a mortgage loan payment, but are concerned we may due to this aggregious error made by Loan Depot 's loan servicing department. 

The following is a letter sent to Loan Depot, with my personal information redacted. 
We obtained a home purchase loan from Loan Depot on XX/XX/XXXX, loan number XXXX. This loan has subsequently been sold to XXXX. 

I am reaching out to discuss a significant error made by Loan Depot when calculating the escrow portion of my home loan payment. Upon receipt of the supplemental tax bill in XXXX of XXXX, I forwarded it to Loan Depot for processing ( via email attachment. ) After Loan Depot processed this payment, I was notified that my home loan payment would GO DOWN from {$2200.00} to {$2000.00} following an escrow analysis. I immediately questioned the accuracy of this calculation in writing, and was reassured ( in writing ) the calculations made by the professionals at Loan Depot were accurate ( see email chain below. ) As I am not a mortgage loan processing professional, it was reasonable for me to assume their calculations were correct. In fact, my monthly loan payment should have increased slightly. When performing the escrow analysis, Loan Depot used the pre-purchase home value ( {$160000.00} ), rather than the current value of the home ( {$410000.00} ). This should have been especially apparent, as the document that started the entire conversation was a supplemental tax bill due to the increase in home value. 

My loan has since been sold to/or the servicing has been transferred to XXXX. Upon receipt of my loan file, XXXX noted a deficit in my escrow account of {$3700.00}. I was completely unaware of this deficit due to the errors made by Loan Depot. As a consequence, my home loan payment will increase {$550.00} for the next year to make up for that error. Loan Depots error has caused my family significant consumer financial harm. It is a severe financial setback to my family to pay the increased loan payment that begins on XX/XX/XXXX. In fact, this error may cause us to lose our home. 

Due to the number of errors made by Loan Depot, even after their accuracy was questioned, I demand that Loan Depot pay the shortfall of {$3700.00} in my home loan escrow account. 

Since this has happened to me, I am very afraid such errors may be happening to other home purchase loan borrowers whose home loans are being made and serviced by Loan Depot.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Statement received from C $ I collection agency, stating I owed {$340.00} to XXXX XXXX XXXX XXXX Texas. I immediately sent a debt validation letter to the collection action on XX/XX/2022 and received a response letter dated XX/XX/2022. Inside the letter I received on XX/XX/2022, is nothing but a report from XXXX XXXX XXXX XXXX Texas, with a medical imaging name and procedure code and date and amount. This is on no office letter head or anything verifying XXXX department, this could be the Debt collector falsifying this paper for all I know. There is no other information showing me where this is my actual date, no signatures where I had this procedure, and any proof where I released this Credit agency to have ACCESS to my MEDICAL HISTORY or RECORDS, which this is in violation of HIIPAA. This is not my debt they say I owe, and I need this issue resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
I am writing to dispute the account referenced above. I have disputed this account formation as being unverified and inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to respond or verify that this is indeed my 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 2022-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
My is XXXX XXXX I am a federally protected consumer and I am filling this complaint against JPMCB XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX. 

Over the course of XXXX Chase has inaccurately and fraudulently furnished false and misleading information on my consumer reports as a means to bring harm to me and my financial reputation. 

Chase JPMCB reported XXXX separate account ( XXXX ) as Charge-Offs on my consumer reports.

I am aware that under 7 CFR 1956.54, A Chargeoff is the writing off of a debt and termination of collection activity. I am aware that when a debt is written off, it has now become gross income pursuant 26 U.S. Code 61. Note, discharging of indebtedness also falls under this code. Lastly, income shall not be reported on any consumer report.

If Chase JPMCB has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, pursuing litigation, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain.

- I would like a senior executive member from your company to send a sworn statement of fact that you did or did not file a 1099C as required by the IRS and/or the US Treasury ?

If a 1099C was filed I DID NOT RECEIVE A 1099C from your company.

- If you did file a 1099C, send me proof such as a tracking number or green return receipt with my wet signature, proving that I did received and that I was in fact made aware of a 1099C.

This company JP Morgan Chase & Co. dba as JPMCB is committing unlawful extortionate means by furnishing this alleged debt to my consumer report as a means of bring harm to me and my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: KS

Complaint narrative:
Hello my name is XXXX XXXX and I have a mortgage through PNC bank my account number is XXXX. I was on the forbearance program due to Covid. I have recently lost income. I now have a new job. And I am going through the process for a Loss Midigation application. My single point of contact has been changed and I have no way to make a payment on my account or speak to a representative. When I call any number at Pnc bank it directs me to a voicemail without an option to speak to a representative. I wish to make a payment on my account and am not able to do so or get an answer back on my loss Midigation application

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
XXXX unauthorized transactions were made to my coinbase virtual debit card from XX/XX/XXXX to XX/XX/XXXX in different amounts ; These merchants were based in other countries XXXX and XXXX XXXX, totaling {$1500.00} taken out of XXXX debit card account. I reside in XXXX  XXXX these unauthorized transactions were done on my virtual debit card, my physical card is in my possession and has never been used. These charges were done without my permission they are not recurring payments and I have never purchased from these merchants. I have no idea what was purchased with my virtual debit card because my virtual debit card was hacked into this was a cyber attack, my money was stolen. All I know is I did research online into these merchants XXXX is a company in XXXX that sells XXXX and XXXX parts I dont own neither. XXXX XXXX is a XXXX XXXX firm in XXXX and XXXX I have no financial accounts outside XXXX  XXXX. I screen shotted an email sent to XXXX regarding this issue but have not received a response reply regarding this matter ; Ive been unsuccessful in contactIng other merchant XXXX because I cant contact by phone ; my phone service only capable for domestic calls within XXXX only. I have not used my virtual debit card since last year of XXXX. I have not made any authorized transactions on my virtual debit card or physical debit card for the year XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-01 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: PA

Complaint narrative:
I didn't apply for these account. These accounts are fraudulent and I would like them removed.

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 2022-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-01 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: DC

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: DC

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: KEYCORP
State: OH

Complaint narrative:
Key Bank loan. Paid off loan on XX/XX/22, still have not received the title. Called Key Bank on XX/XX/22 and as told that the title would be sent within 15 business days. I still have not received the title as of XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Alliance One, Inc.
State: NY

Complaint narrative:
I was reported into collections which is negatively affecting my score. I had a payment plan agreement and have missed none of the payments. I also was out of work due to covid. It is unfair and I want that taken off my record

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
On XX/XX/2022 we tried to make our mortgage payment online and over the phone an was unsuccessful... ( PHH blocked there customers ) why because PHH website stated payments unavailable and over the phone it stated no payments can be excepted at this time. This is the only business I know that blocks customers from making payments. Any other company we do business with you can call any day an any time and NEVER have an issue. Though my payment was not late what if this was the last day before it would have been late. This is the tactics of this business and this is a pattern because this is not the first time I have had this issue. There needs to something done with companies like this who are deceitful and have no integrity. I am sure that everyone who has this mortgage company feels the same way. If it's not one thing it's another. There phone system when you call you can't hear options because its pauses in the message and it goes out and in. And on the website everytime it's time for payment the website has issues and problems. What is the use to speak with the company there going to act as if they didn't no or say we are sorry and will do it again. It's a pattern.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX Transunion To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. On ( XX/XX/XXXX, I retrieved a copy of my credit report and discovered an inquiries that I have no knowledge of. 

Because I did not apply for credit with any of the creditors, I have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an investigation into all creditors inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if any creditor is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. I have attached a copy of my credit report for you to validate. I have 65 inquires all together Thanks in advance for your prompt attention to this matter. 

Sincerely, 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 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: BAM Management US Holdings Inc.

Complaint narrative:
Good day Sir I am a binance user with username " XXXX ''. i got a message from binance.com on XX/XX/2021 that my account has been suspended for reason ( s ) unknown to me till date. All my effort to find out their reason for such action and get access to my hard earned funds proved abortive. binance has been really unfair to me and decided to hold my source of livelihood for about 8months without considering the consequences on me and the family that depends on me to survive. I have never committed any offense please come to my rescues this is really killing me. 

My account is verified and i have {$15000.00} usdt in my account. right now they don't allow me to have access to my account let alone of having access to my funds there. I am a legit trader and I have never committed any offences.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: CA

Complaint narrative:
A company called True Accord sent an unsecured email to me on behalf of my wife disclosing to me that they're intending to collect a debt and the dollar amount of the debt. From what I understand, they are in violation of the law, considering they performed zero diligence in confirming who they sent an unsecured email to was in-fact related to my wife.

Company response to consumer: Closed with explanation