vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
The XXXX fire happened on XX/XX/2018. Since that time me and my family have experienced nothing but additional hardship, loss and bureaucracy in trying to recover and repair my home. And since I already filed one complaint against PHH Mortgage and the process of releasing my insurance funds to make repairs I will keep this brief. 

The most recent payments made by the CA Fair Plan are being held, going on over 40 days combined, PHH and the " servicer '' have decided that adding an additional layer of red tape/process would be so incredibly helpful to THEM in repairing my home. They have not lived through the tragedies, but everyone and anyone who could make this more difficult, oppressive and insulting have done so. I can not get the money issued by my insurance company in XXXX. My family 's health and economic stability has been greatly impacted. PHH/XXXX/XXXX  have now added additional injury and insult to an already bad situation. It appears as though it is not important to get my home repaired, it is more important to add layer upon layer upon layer of process. 

We were declared a National Disaster, so I will also send a copy of this complaint to XXXX XXXX 's office in the hope that someone in Washington may care more about people over bureaucracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: MT

Complaint narrative:
I have 2 complaints with Equifax, one is dated XX/XX/XXXX & the other is dated XX/XX/XXXX. 

XX/XX/XXXX CFPB case # XXXX the following is what I wrote in the complaint : I am a victim of Identity Theft and monitor my credit report regularly. I recently viewed my Equifax credit report and observed several concerns regarding the hard hit inquiries on my credit report. My 1st concern is that a hard hit inquiry is still reflected on my credit report that shouldn't be and that is XXXX/XXXX dated XX/XX/XXXX. The hard hit inquiry is over 2 years old and is required to be removed since it's more than 2 years old. My other concern are hard hit inquiries that I don't recall authorizing. Equifax - XX/XX/XXXX XXXX  XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX   XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX & XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XX/XX/XXXX CFPB Case # XXXX the following is what I wrote in the complaint : I recently viewed my credit report and see several hard hit inquiries that are required to be removed from my credit report. The inquiries are over 2 years ols. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX As of todays date EQUIFAX has not responded/answered & provide me the results of their investigation. Both complaints are over approximately 45 DAYS. As a result EQUIFAX is knowingly & willingly in violation of the Fair Credit Reporting Act & therefore I will file a lawsuit vs EQUIFAX in small claims court for {$5000.00} if I don't get confirmation from EQUIFAX ON OR BEFORE XX/XX/XXXX. 

The following inquiries need to be removed from my EQUIFAX Credit Report Immediately because they failed to provide me the results of their investigation with physical evidence & the name of the individual they spoke to and confirmed or unable to confirm that the hard hit inquiry was authorized and with permissible purpose by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: AL

Complaint narrative:
identify theft

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 2019-09-12 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:
identify theft

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 2019-09-12 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: NV

Complaint narrative:
identify theft

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 2019-09-12 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Credit card with WalMart said was not paid but closed. This card I am paying {$100.00} to XXXX for 48 months and it will be paid. I feel this was paid to WalMart by XXXX in full. 
So I am paying the full amount of {$4800.00}. Contact me with your answer.

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 2019-09-12 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: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
XXXX XXXX keeps sending my check back to me then marking it late adding fees and calling non-Stop. They have done this all year. My father passed away in 1984, so all assets were frozen I advertise and was paying bills out if my own pocket. XXXX took my XXXX card and put it in my name plus added the business name onto it, we have had this commercial bank account since 1984. Anyone I speak to at XXXX is just repeating the same thing this ya an attempt to collect a debt. I have copies of all the checks sent back and I even received a letter from them stating they would not take off interest or Late fees. NOT FAIR! Ive never been late they know whos payment it is, I mail it back and they mail it back to me. Not sure what to do but my patience are wearing thin we are going on 7 months! And Wells Fargo is another one I have my deed in Lou of foreclosure paperwork and because I contacted you they added on to additional months that theyre saying were never paid when the house didnt even belong to me at the time my husband was responsible for paying the mortgage because I moved out and had a restraining order during the course of our 90 day divorce he was responsible for the mortgage payments and he squatted. and Wells Fargo is another one I have my deed in Lou of foreclosure paperwork and because I contacted you they added on to additional months that theyre saying were never paid when the house didnt even belong to me at the time my husband was responsible for paying the mortgage because I moved out and had a restraining order during the course of our 90 day divorce he was responsible for the mortgage payments and he squatted Wells Fargo has read my decree and they have my deed in Lou of foreclosure that I paid for myself Soli my ex-husband paid nothing towards it he wanted it to go into collections so between these two banks we need to get this straightened out

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 2019-09-12 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:
identify theft

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 2019-09-12 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: IN

Complaint narrative:
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, In XXXX I am asking for a correction please : Please read the official enclosed results from a Wells Fargo Research and Remediation Artist. 





We wrote and sent a check paying off this account XX/XX/2019. The payment was due XX/XX/2019. Enclosed was a note to cancel this account. We were notified Wells Fargo was selling all Branches in Indiana and Michigan. The monies needed for paying fines as a result of Consumer Mistreatment. We wanted to shut this down and no longer borrow from Wells Fargo. We did get a Bill for {$26.00} for the privilege of making a loan at Wells Fargo. I was not aware we had paid for this Privilege prior over the lifetime of the loan. A phone call was made asking to close this account also before and after the Bill. The charge was nullified. 
Then it appeared on my Credit report in XXXX as " paid as agreed ''. 


I inquired what the account was about as it did not have the entire account number. My Wife and I did not recognize the number. 
Please do something to correct this. We did NOT make a delinquent payment ever. Explain how being falsely accused for a delinquent payment is OK? How and why should we accept this as part of our Credit Reporting for 10 Years? 



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 explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have reached out several times to the bureaus in regards to their investigation of the XXXX XXXX XXXX open on my report, it should be closed and paid off in good standing, no missed payments no derogatory remarks just paid in full. My car has been paid off and I also have my title to prove it, it was sent to me in XX/XX/XXXX after I paid off my car in XXXX. They're inaccurately reporting my car being past due and it is not. I made a payment in full. I still get calls collecting on a vehicle that I own. It makes no sense!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have reached out several times to the bureaus in regards to their investigation of the XXXX XXXX XXXX open on my report, it should be closed and paid off in good standing, no missed payments no derogatory remarks just paid in full. My car has been paid off and I also have my title to prove it, it was sent to me in XX/XX/XXXX after I paid off my car in XXXX. They're inaccurately reporting my car being past due and it is not. I made a payment in full. I still get calls collecting on a vehicle that I own. It makes no sense!

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 2019-09-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Incorrect Information on my credit report. 
Fraudulent accounts : Bank of America 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 explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: MI

Complaint narrative:
I had a debit prepaid card with Netspend XXXX my work check loaded to this account. I had over XXXX in the account I went to use my debit card in XXXX XXXX it said declined I call because I was locked out of my phone app to view my account I was told I need to send my drivers license and social security card to netspend by email to have my account unlocked within 4 hours I did not send anything I thin talked to their fraud dept and found out XXXX was transferred to a person I do not know they told me they would reset everything and send me a new card as well as unlock my app to view my account when I tried to do this after it was supposedly set in did not work. I called back and they said I was a victim of identity theft and they were closing my account and would send me a live check to my address in 7-10 business days. they said they would dispute the XXXX and send me my account summary for XX/XX/2019 which I did receive and saw other fraud charges for out of state services and a cell phone. they never sent my remaining balance of XXXX as said they would in 7-10 business days. I called XXXX to get an update on the XXXX unauthorized transfer and Netspend said it was considered not fraud because the person who called in pretending to be me knew my security question answer. they said no refund would be issues. They would not let me speak to anyone further.

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 2019-09-12 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: MT

Complaint narrative:
I have notified EQUIFAX regarding the hard hit inquiries listed below that I don't recall authorizing. It's been more than 30 days and EQUIFAX has failed to take any action or even give me a response. This is very concerning to me because I am a victim of Identity Theft. 

XXXX XX/XX/2019 XXXX   XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 & XX/XX/2019 XXXX XX/XX/2019 & XX/XX/2019 XXXX XX/XX/2019 I am requesting that EQUIFAX conduct an investigation and provide me a copy of the original credit application with my signature & date. Furthermore, I will like to be provided with the name they spoke to during their investigation if the inquiries was authorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Pendleton Capital Management
State: TX

Complaint narrative:
This collection agency has had several different people call me, my family, my friends and my manager at my place of employment which I can not have personal calls at work. The first person XXXX XXXX called my work number from, when she was told I could not received personal calls at work she demanded to speak with my HR department because she wanted to serve me with papers at my place of employment. She was told she could leave a message but keep insisting to speak with HR. After the call was disconnected she called back from another number and again demanded to speak with the HR department. Again was told no personal calls at work and her message would be given and to cease and desist from calling. She then called my manager and told him she needed to speak with me about a personal matter. One week later I get a call from XXXX on my cell phone, I specifically said please stop calling. Two weeks later I get 3 calls the last one leaves a message XXXX XXXX telling me he was going to forward my paper work for legal action, he also once again called my manager at work tell him a claim is being filed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Account ready paid. More than 5 years affect my credit score. That accounts ready remove from my XXXX  report but not my XXXX   and XXXX  report. That fair that account paid still affect my XXXX   and XXXX report. I will like to removes this accounts completely from all my 3 report credit.Thank you for you help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am a Capital One credit card holder but also a retailer that accepts credit cards as payment for products and services. This qualifies more as a rant than a problem seeking resolution. After completing a purchase on XXXX yesterday using my Capital One Visa, I  subsequently received an email from Capital One : Hi, we saw you just spent {$220.00} on XXXX. Did you get the best deal on XXXX? 
The email then proceeded to pitch a competitive travel booking product called XXXX, associated with Capital One. 

If Capital One reached out to my customers after a card they issued was used to purchase my products and tried to steal my business I would find that unethical. Perhaps XXXX and similar vendors would like to know about these practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: URS Holding, LLC
State: TX

Complaint narrative:
I initially contacted XXXX regarding the vehicle I purchased and was immediately told with me surrendering the vehicle my credit score would severely be impacted. There was no way for them to work with me regarding the vehicle. I started calling them on XX/XX/2019. They turned the debt over to a collection company. The company has now started to call my family members. They should also provide to me how much they purchased my account for. I would like the information in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PLAZA HOME MORTGAGE, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX, i purchased a home. Due to the size of the loan, i had a first and second mortgage. A year after i purchased the home, I refinanced the second to a lower rate. I did not take any cash out. In XX/XX/XXXX, I began working with XXXX XXXX XXXX to refinance my 2 existing loans into one fixed rate loan. XXXX brought my loan to multiple investors, but continually ran into new and unfair XXXX XXXX and XXXX XXXX   guidelines. Despite NEVER having taken cash out on my 2nd/HELOC and not taking any cash out in this transaction, the new guidelines allowed the lenders to call my loan a cash out, thereby enabling them to charge me a much higher interest rate and require cash at closing. I was finally able to get a loan in XX/XX/XXXX and I am currently paying Plaza Mortgage 5.375 % on my loan. Had the unfair provisions not been put in place, i would have refinanced several months earlier, saving thousands of dollars, i would have received a lower interest rate, paying several hundred dollars less monthly on my mortgage and i would not have been required to front any cash to lock the mortgage. I provided documents from both my original purchase and the refi of my 2nd as well as statements from my heloc going back over a decade to show that I never took any cash out. I proved that the loan was not cash out, but the lenders rejected my proof simply because they could and would make more money off of me. My loan was nearly completed several times when lenders would stumble across this practice and change the terms on me As a recently divorced single woman, i needed to refinance in able to afford my mortgage on my own, so i didn't have the option to reject the loan offer, but i am incredibly disheartened by the strong arming and questionable tactics used to force me to pay a higher interest amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Incorrect Information on my credit report. 
Fraudulent accounts : XXXX XXXX XXXX Navy Federal Credit Union

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation