vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-28 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: Porania, LLC
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. XXXX XXXX Date of inquiry : XX/XX/2020 3. XXXX XXXX Date of inquiry : XX/XX/2020 4. Identity Theft XXXX/DOFED Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

6. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX  Account Number : XXXX This is not mine. 

15. Identity Theft XXXX Account Number : XXXX This is not mine. 

16. Identity Theft XXXX Account Number : XXXX This is not mine. 

17. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX I signed documents for a mortgage with Chase Bank and after months of not hearing from my agent, I began trying to contact the loan officer, the Chase Bank website, phone calls, and texting. I asked to speak with a supervisor. Previously I had submitted an application in XXXX, but was told the amount that I had qualify for, it was not enough money for a home loan in the range that I needed. The agent finally contact me and said that I would have to go through the process all over again because my application had expired. I then made several attempts to contact a supervisor. When I reached the supervisor I told him that I had my credit report ran twice before and this would be the third time. I asked him if he could remove 1 or more of the inquires so that my credit could be ran again and he could not make that decision he would have to forward my file to another department and they would call me which they did not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I had received a debit card from citi bank and it didnt work for a while and I called support to see what was wrong with it after a day or two my wallet is stolen and my card was in their and atm withdrawals were made that obviously look fraudulent and I opened a case about it to get my mine replaced I reported the card stolen Ive done everything I know to do and my case keeps getting denied and Im in dire need of my money being replaced it has put me in such a finically stressful situation please can you help me in any shape or form.

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 2021-07-28 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: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
CHRYSLER CAPITAL IS REPORTING FALSE LATE PAYMENTS. I HAVE BEEN DISPUTING ONLINE AND I HAVE SENT LETTERS FROM XXXX XXXX XXXX. I AM NOT SATISFIED WITH THE RESULTS OF THERE FINDING. I KNOW THAT THE PAYMENTS WERE MADE ON TIME. THE DATES I AM DISPUTING ARE XXXX, XXXX. XXXX, XXXX, XXXX, XXXX, XX/XX/2021. I RECEIVE A CALL FROM CHRYLER CAPITAL THE LAST WEEK OF XXXX AND THEY STATED THAT THEY WOULD DO A XXXX DAY THOROUGH INVESTIGATION OF MY LOAN. I RECEIVE A CALL BACK FROM THE COMPANY ON XX/XX/XXXX AND THEY STATED THERE FINDINGS WAS CORRECT AND THEY WOULD NOT BE ABLE TO PROVIDE ME A DOCUMENT OF THERE INVESTIGATIVE WORK. ACCORDING TO FCRA THEY ARE SUPPOSE TO PROVIDE ME A COPY OF WHAT THEY " INVESTIGATED '' CHRYSLER CAPITAL IS PRACTING FRAUD BEHAVIOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX DOB XXXX SS XXXX I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
FAMILY SUPPORT DIVISION # XXXX account is reporting 120 DAYS LATE on XX/XX/XXXX since I requested assistance due to the pandemic. I am shocked that this has happened when I had already been in contact with the FAMILY SUPPORT DIVISION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, I was told that my account would be fine and no late payments would be reporting. The office of FAMILY SUPPORT DIVISION WAS ACTUALLY CLOSED during the pandemic so I am having a hard time trying to understand how the late updates were even reported when no one was even in the building

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 2021-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I was a victim of a scam a company name XXXX took XXXX out of my accounts I filled a claim with my bank and the bank denied the claim Wells Fargo

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 2021-07-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have numerous of unauthorized inquiries on my TransUnion credit report. I sent letters to Transunion dated, XXXX XXXX XX/XX/2021, and XX/XX/2021. I NEVER received a reply to any of the letters. I contacted TransUnion on XX/XX/2021 and spoke with XXXX XXXX, Supervisor in special handling, who advised she does not see any of my letters. I confirmed the addresses I mailed them to, she advised the address was not the issue. She advised if they feel a letter is from a credit repair agency they will not process them. Well, I explained to her I AM NOT a credit repair agency I am my self and I have unauthorized inquiries on my credit report and they are refusing to reply to me. She advised there is nothing she can do because they deem they don't have to. I truly think that's against my consumer rights. How can you just choose not to process my request. From my understanding accourding to consumer laws they have 30-45 days to respond to me and they have yet to respond

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 2021-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
I refinanced and took a cash out loan on my home financed with XXXX XXXX XXXX XXXX on which there was a loan remaining balance. My payment history was perfect and my credit scores with the three major credit reporting agencies ranged between XXXX and XXXX. I have spent a lifetime building that credit history. I am considered lower income, elderly, and XXXX, but have perfect credit. The closure on my refinance application was very short. I received coupons to make two payments on the loan, the first of which was due on XX/XX/2021 to my primary lender, XXXX XXXX. I immediately made the first two months ' payments. The checks were cash on XX/XX/XXXX by XXXX, as documented in attachments. Within days, I received a notice from XXXX XXXX that they had purchased my loan and assigned it to PHH Mortgage. I was assured that I had no tasks before me, that any payments would be automatically credited to PHH. I received those assurances from XXXX, PHH, and XXXX XXXX. XXXX refused to transfer the payments to PHH, and PHH refused to pursue the issue with XXXX. After complaints to XXXX XXXX and multiple email contacts with XXXX, PHH acknowledged receipt of the money from XXXX on XX/XX/XXXX, with the notation on my account that the payment was 22 days late. I was assured by all three agencies that my payments from XXXX to PHH by law needed to be transferred and credited when paid, and I had nothing to do whatsoever, that the process would proceed smoothly and without incident. I now have a fraudulent entry on my account and credit history. In addition, the principal should have been credited with the payments on XX/XX/XXXX, when tracking ( attached ) indicates the payments were deposited into the account of XXXX. I have a considerable amount of interest on the principal to which PHH has refused to credit my account. All of those issues have violated both my contracts and the law. PHH is an institution with nearly 1700 complaints before the CFPB. I did months of research before taking out a refinance, and skirted PHH because they have a history of fraud and have learned they can get away with it when they prey upon the elderly, the honest, those with XXXX, and the lower and middle class. XXXX XXXX is equally to blame for continuing to push business toward PHH, knowing that their intent is to engage in illegal and fraudulent business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: WA

Complaint narrative:
Received a letter dated XX/XX/XXXX demanding payment of {$3500.00} for a fraudulent debt. Claimed we owed for XX/XX/XXXX rent when we were moved out by end of XX/XX/XXXX. 

Timeline of our communications XX/XX/XXXX I asked for proof of debt XX/XX/XXXX I spoke to someone who tried to explain verbally but he didn't understand what the charge was for either. Said he would get back to me XX/XX/XXXX I spoke by phone again but they still couldn't explain the charge XX/XX/XXXX spoke again. Finally told it was for XX/XX/XXXX rent but couldn't explain why being charged XX/XX/XXXX spoke again and was told we didn't give enough notice. Emailed collector proof of proper move-out notice XX/XX/XXXX spoke again and now told it was because we didn't return the keys in time XX/XX/XXXX I demanded further documentation : explanation of charge and why reason was changed, where in the contract does it say we're charged for late return of key and proof we returned the key late XX/XX/XXXX collector said they would not email proof and would only speak on the phone. Transferred me to manager who then hung up on me. Called back, transferred again, hung up again XX/XX/XXXX called someone else at the collector. Again asked for written proof, put on hold for 10 minutes, informed it was for late notice, refused to provide any further information, hung up on me XX/XX/XXXX emailed again demanding proof of the debt. Collector responded with the invoice and a copy of the contract. No indication of which clause was broken or documentation that the clause was broken XX/XX/XXXX collector advised me to call a different manager. Left several messages XX/XX/XXXX collector called, I said I was not paying the debt, their client did not provide any documentation supporting the invoice. They responded my account was now " eligible '' to be reported to the credit bureaus

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: PA

Complaint narrative:
Earlier this year, I filed a request for documentation pursuant to Section 609 of the FCRA with Experian, which was delivered to Experian on XX/XX/2021. Experian failed to respond. I also sent a demand letter to Experian, which was received by Experian on XX/XX/2021. Experian has so far failed to respond to all of my inquiries. Their initial failure to respond carries a {$1000.00} civil penalty per undeleted item. At this point, considering the elapsed timeframe of >30 days, Experian is now legally obligated to remove the disputed items off of my credit report. Therefore, I am requesting that they make the corrections requested on my last letter ( copy enclosed ).

Due to prior difficulty when working with Experian via the CFPB portal, I am enclosing a copy of my PA Driver 's License as well.

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 2021-07-28 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: EQUIFAX, INC.
State: MO

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH

Complaint narrative:
On, Monday, XX/XX/2021 at XXXX EST, I physically went into ACE Cash Express Check Cashing to apply for a Short Term Payday Loan. I qualified for a {$1000.00} Loan but I chose only to borrow a {$100.00} Loan. When the Cashier XXXX or XXXX processed my loan ; she used her mobile cell phone to take pictures of my personal financial records. I was shocked by this because she didn't use her company 's official copy machine. And it's illegal for an employee to take mobile pictures of a customers/borrowers personal financial information with their personal mobile cell phone. After I left the establishment ; immediately after on Mon., XX/XX/2021 at XXXX EST, I called XXXX who is the manger of ACE Express Check Cashing to inform of what happened. He said he was going to follow up but he never did. I'm very concerned about my personal financial documents and information being photographed by ACE Cash Express Cashier and how this employee can use my information. ACE Cash Express may be doing this to other Customers as well ; being that they allow their employees to take customers personal financial information with out consent by using their personal mobile cell phones. Especially in lieu to fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: WA

Complaint narrative:
On XX/XX/2021 I paid my bill online and in full at XXXX. The payment was not processed until XX/XX/2021, the day after the payment was due. I was charged a {$29.00} late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
We, the owners & occupiers, are age XXXX and XXXX, and both U.S. veterans. The mortgage holder is XXXX w/ mortgage being serviced thru US Bank . Whenever we contact the proper division of this bank, we stymied by no answers, no action ( many times ), conflicting info. We are an FHA mortgage, but are told yes, no, yes, no from US Bank. Then, on active applications for assistance, we received letters of approved forebearances, yet at the same time receive threating notices and actual lawsuits filed against us in XX/XX/XXXX for foreclosure. We do everything by the rules, Act 90 ( PA ), forebearance applications, constant contact w/ all proper " personal Bank counselors '' & still we feel we are in " limbo '' On 4 occasions, US Bank could not find our account #, and access is denied when we go on line. We sit here under our doctor 's care with leftover sickness of having XXXX from XX/XX/XXXX, and basically XXXX with XXXX, XXXX, XXXX, XXXX XXXX. We can not move to a retirement homes that have no protection from virus and its Delta variant  and others even having had our vaccines. 

We lost a major portion of our monthly income due to customers not paying what they owe us, citing loss of jobs and income themselves since XXXX. 

US Bank should have a main address to correspond with, but they have several with personnel having to re-route or delay replie that do not come. At one point, they had a malfunctioning appraiser come to our property, but wound up according to the 8x10 photos*, appraising the neighbor 's garage AT {$150000.00}. Thus, they think our home independently appraised in XXXX at {$400000.00} and with actual costs of $ XXXX when built ( every receipt/contract available ) is worth 60 % less than appraised and 77 % less than cost. 

We lived here more than 20 years here, and have no other living arrangements that will accommodate our age and physical condition. In fact, we were of the believe that there was such insurance from FHA to work out a fair agreement. 

*photos in both Bank and our possession

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 2021-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: UT

Complaint narrative:
I paid this debt over 2-3 years ago with another collection company that is no longer in business, they were based out of New York. I disputed the debt with the new collection company which is National Credit Adjusters, I showed proof of payments to the previous collection company and they said they started an investigation into the matter. The company didnt keep me informed about the situation and kept putting derogatory marks on my credit blemishing it several times. The derogatory marks include late payments and non payments while it was being investigated. Several months went by and I got a letter in the mail stating my payment options with them. I never received any sort of communication from them on the outcome of the dispute only a letter several months later with payment options to re pay them. This doesnt seem like proper business practices and I need help fixing my credit and this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LEXISNEXIS
State: NY

Complaint narrative:
I purchase an home thru XXXX XXXX XXXX and withdrawal {$75000.00} from my pension while I was fighting for my life from XXXX XXXX went into foreclosure and loss the fight of my home mortgage and the my credit after years of building this score up and then the State of New Jersey , County of XXXX did not help me nor place me in affordable relocated to New York being on Affordable Housing since XXXX or XXXX not place force into the XXXX XXXX XXXX XX/XX/XXXX and because the lack of support and help score is low and unable to rent on my own and me others who own are force into hardship. Realtors and Tenants think that renting is the same as owning this is not true. Owners are required to meet credit worth be required for down payment and meet other requirements. With Tenants thinks because they pay security if that or they get Human Resources to pay is that is the same the requirements are extremely different and this should be different requirements for previous owners and those who loss the home due to sickness with rents many entitled to resources that individuals with middle-class income are not entitled. Since there so much hardship with renting they should have be difference in dental

Company response to consumer: Closed with explanation