vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in onXX/XX/2020 and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2020-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
Nobody at this company speaks English. I have sent them the documents that they requested 3 different times and still they claim not to have received them. This has been going on for almost a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NM

Complaint narrative:
On XX/XX/2020 I contacted PHH Mortgage for loan forbearance as allowed and mandated by the FHA. As evidenced in the documentation I will be submitting, first PHH deceitfully attempted to get me consent to a loan modification. When I convinced them that this was not what I had contacted them for, they then only offered 3 months suspended payments with a lump sum of all past due amount payable at the XXXX month due date, rather than the minimum 6 months forbearance with no lump sum payments as mandated by the FHA loan program. Since pointing out to PHH that their offer was non-compliant with FHA mandate they not have ceased communication but for vague form letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: CA

Complaint narrative:
CFPB DISPUTE RE : XXXX  XXXX XXXX credit card XXXX Account history : The account was opened in XXXX This credit card account was a joint account between my father XXXX and my mother XXXX. 
I was added as an authorized user to their account when I was in college. 

Death certificates for both of my parents are attached below : -Father XXXX XXXX SS # XXXX Date of death XX/XX/XXXX -Mother XXXX XXXX SS XXXX XXXX Date of death XX/XX/XXXX My legal name is XXXX XXXX XXXX XXXX My SS # is XXXX. My identity documents are below. I helped care for my mom and we shared the same address at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 


Overview of issue I need help addressing : I contacted XXXX  XXXX XXXX after my mothers death and was told that they wouldnt remove me from the account and process the account as a deceased account since both of my parents, the only liable parties, were now deceased. 

I felt forced to continue to make payments from my own account after my mom 's passing because I didnt want any late marks on my perfect credit. 

I have never signed a contract to be a liable party. I was always ONLY an authorized user.

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 2020-06-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
CFPB DISPUTE RE : XXXX XXXX XXXX credit card XXXX Account history : The account was opened in XXXX This credit card account was a joint account between my father XXXX and my mother XXXX. 
I was added as an authorized user to their account when I was in college. 

Death certificates for both of my parents are attached below : -Father XXXX XXXX SS # XXXX Date of death XX/XX/XXXX -Mother XXXX XXXX SS XXXX XXXX Date of death XX/XX/XXXX My legal name is XXXX XXXX XXXX XXXX My SS # is XXXX. My identity documents are below. I helped care for my mom and we shared the same address at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 


Overview of issue I need help addressing : I contacted XXXX XXXX XXXX after my mothers death and was told that they wouldnt remove me from the account and process the account as a deceased account since both of my parents, the only liable parties, were now deceased. 

I felt forced to continue to make payments from my own account after my mom 's passing because I didnt want any late marks on my perfect credit. 

I have never signed a contract to be a liable party. I was always ONLY an authorized user.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
CFPB DISPUTE RE : XXXX  XXXX XXXX credit card XXXX Account history : The account was opened in XXXX This credit card account was a joint account between my father XXXX and my mother XXXX. 
I was added as an authorized user to their account when I was in college. 

Death certificates for both of my parents are attached below : -Father XXXX XXXX SS # XXXX Date of death XX/XX/XXXX -Mother XXXX XXXX SS XXXX XXXX Date of death XX/XX/XXXX My legal name is XXXX XXXX XXXX XXXX My SS # is XXXX. My identity documents are below. I helped care for my mom and we shared the same address at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 


Overview of issue I need help addressing : I contacted XXXX  XXXX XXXX after my mothers death and was told that they wouldnt remove me from the account and process the account as a deceased account since both of my parents, the only liable parties, were now deceased. 

I felt forced to continue to make payments from my own account after my mom 's passing because I didnt want any late marks on my perfect credit. 

I have never signed a contract to be a liable party. I was always ONLY an authorized user.

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 2020-06-01 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: TX

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$2200.00} XXXX XXXX {$100.00} XXXX XXXX XXXX {$14000.00} XXXX   XXXX {$1600.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX {$0.00} XXXX   XXXX {$1600.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$26000.00} XXXX XXXX {$2100.00} XXXX XXXX XXXX {$20000.00}

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 2020-06-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$2200.00} XXXX XXXX {$100.00} XXXX XXXX XXXX {$14000.00} XXXX   XXXX {$1600.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX {$0.00} XXXX   XXXX {$1600.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$26000.00} XXXX XXXX {$2100.00} XXXX XXXX XXXX {$20000.00}

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 2020-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I filed for a refinance loan with Quicken Mortgages. We discussed fees, appraisal and PMI insurance. I was told that my mortgage processing fee would be {$100.00} and I would not need an appraisal. When I reviewed my costs, there was a {$900.00} loan processing fee and {$600.00} appraisal fee. When asked I was told that I would need the appraisal and there would be a {$500.00} good faith application fee. My home on XXXX is valued at over two times my current loan value and I believe XXXX is low as the square footage is wrong. 

The lender will have the home appraised at way below market value so they can charge PMI insurance. The appraiser will come loaded with the proposed loan value and guess what, this is where the appraisal ends up. How do I know this? because this has already happened to me. once the appraisal is done by the lender 's choice, you are unable to argue it. It is a scam between the lender and the appraiser so they can they increase their fees and payments. Why is the homeowner not allowed to get an appraisal done, why is this controlled only by the lender?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
PNC bank will never link with my digital wallet for me to be able to transfer my funds somewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
I am writing in regards to a late payment on my credit report from for XX/XX/XXXX on my TD Bank/Target account # XXXX, opened XX/XX/XXXX, credit limit {$2000.00} that occurred due to a third-party error. ( I already sent proof to TD Bank ). 

My due date is the XXXX of the month. On XX/XX/XXXX, I received a payment confirmation from XXXX stating that my payment was successfully submitted. However, one month later I realized that I had a late payment reported. On XX/XX/XXXX, I received an email from the third-party company stating that they committed an error and my payment did not go through. Before this email, I was not even aware that my account was carrying a balance and had a late payment. I immediately made the payment on but by that time I was already marked late. 

This was a situation that I could not control. I had over {$19000.00} in the bank, which was more than enough to make the payment. This was not a money issue or even worse, because I did not want to pay. Now I have a perfect record of on-time payments. 
As a courtesy, I am requesting that XXXX a goodwill adjustment and remove the late payment from my record. You have been my bank for a long time, and I hope to continue having a wonderful relationship with your company. 

Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: EQUIFAX, INC.
State: AR

Complaint narrative:
My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX  was removed on my Transunion Report but is still showing on Transunion 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 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020, I went to a credit repair service. Now that interest rates are low, I thought I would get a low interest loan intended for medical purposes. I paid the guy {$150.00}, and without my authorization, and without any signature, he went ahead and made a hard inquiry on my credit report. I was upset because that would lower my score. Also he was quite arrogant. So I left. The inquiry was with Equifax. I immediately disputed the hard inquiry. On XX/XX/XXXX, I got a message saying " Your Equifax Credit File Dispute is  Complete '', and urging me to press on a button and log in. 

Well I have been trying to log in since last Friday without success. I changed my password 5 times, I kept being locked out, so I called and after spending 30 minutes on the phone, I finally talked to an agent who informed me that HE CAN NOT REMOVE THE LOCK OUT. When I changed my password, I made sure it was written on a piece of paper, and yet it never worked.The system kept telling me its wrong. 

I need you to interfere because I know what's going on. Something similar happened to me last year. I have a competitor of mine by the name of XXXX XXXX ( and the woman 's name is XXXX XXXX ) who wants me out of business. So last year after finally having worked towards good credit and raised my score over 700, I  wanted to get an SBA loan. ( I am self employed, an insurance agent ). I tried to open an account with XXXX XXXX. ( I have one with XXXX   ). XXXX XXXX rejected me. 

Not only that but every single bank I went to after this said no. I could not understand why : XXXX, XXXX even very small banks. Apparently XXXX knows someone very highly place at XXXX XXXX and I was told that he put something on my credit so I can never get any loan. So my credit has been hovering around XXXX eve since. I went ahead and paid off XXXX of my credit cards two weeks ago so I can raise my score. But since this very highly placed XXXX  XXXX can do whatever he wants my score is never going to go up. This inquiry probably was not removed my Equifax. That's why they dont want me to see it. 
Can you please help me.?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : SYNCB | XX/XX/XXXX XXXX/XXXX | XX/XX/XXXX XXXX/XXXX  | XX/XX/XXXX XXXX  XXXX/XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX  | XX/XX/XXXX XXXX XXXX  XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX  XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX  | XX/XX/XXXX XXXX  XXXX XXXX  | XX/XX/XXXX XXXX  XXXX  XXXX | XX/XX/XXXX These are illegal 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 non-monetary relief
Consumer complaint received 2020-06-01 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: TX

Complaint narrative:
Attached is a letter including several unrecognized inquiries, that I complained and requested removal to both the Credit Agency and the Companies.

They accepted removal and the Credit Agency after weeks is not removing them from my Credit file causing financial damage.

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 2020-06-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: OK

Complaint narrative:
My account is locked i have not been able to access my account details at all never have i been able to since the start of recieveing benefits i call and get no response i stayed on hold for 3 hours and got hung up on twice never can get a live person to speak to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
A few years ago, I opened an account with BBVA Online. However, the documents they requested did not get to them on time so they closed my account and locked online access.

A month ago I opened a new BBVA account. This last month I had nothing but issues with customer service and online support in getting my online access profile unlocked.

I have spoken with countless employees and no one is able to help me - one even suggested that I fax in my id, ssn card, and other personal documents to BBVA - which I have done. Still, I have not received a solution with this.

The last call I made, I was on the phone for an hour - and I was purposely disconnected.

All I know is that someone in BBVA had locked my profile from a few years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX | XX/XX/XXXX XXXX/XXXX  | XX/XX/XXXX XXXX/XXXX  | XX/XX/XXXX XXXX XXXX/XXXX  XXXX | XX/XX/XXXX XXXX  XXXX  | XX/XX/XXXX XXXX XXXX  XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX  XXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX   XXXX XXXX  | XX/XX/XXXX XXXX  XXXX  XXXX | XX/XX/XXXX These are illegal inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-01 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: CITIBANK, N.A.
State: OK

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX | XX/XX/XXXX MACYS/DSNB | XX/XX/XXXX MACYS/DSNB | XX/XX/XXXX XXXX XXXX/XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX  | XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX  | XX/XX/XXXX XXXX  XXXX XXXX  | XX/XX/XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX These are illegal 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 non-monetary relief
Consumer complaint received 2020-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear Sir/Madam, Two charges dated XX/XX/XXXX and XXXX, 2020 to XXXX for {$40.00} and {$100.00} are fraudulent and should be removed from the account. These charges were never authorized by me nor by the primary account holder. These charges were removed two months prior by chase following my complaint to chase, and then again appeared on the credit card current statement. 
The phone number listed next to the so called merchant does not even work [ XXXX ]. 
It took me over a dozen calls to Chase, each time after i : repeated the same complaint over and over again and again, Chase told me they have to transfer the call to fraud department which was disconnected. 
Eventually, i : spoke with fraud department today, and they told me that they investigated my complaint and found that that charges were correct, i : questioned them how can it be correct, when the so called merchants phone number does not even work and that it seems to me that someone in Chase fraud department is getting paid off, i : then demanded to speak with a supervisor, the supervisor gave me an email address to complaint to which i : did, XXXX It looks to me that Chase is part of the fraud on me and i : ask CFPB to please interfere and stop Chase 's misconduct. 



XXXX XXXX Tel : XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-01 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

DEPTEDXXXX XXXX {$1700.00} XXXX XXXX {$0.00} XXXX XXXX {$220.00} XXXX XXXX  XXXX {$1100.00} XXXX XXXX {$0.00} XXXX  XXXX {$11000.00}

Company response to consumer: Closed with explanation