vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-17 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: EQUIFAX, INC.
State: KY

Complaint narrative:
In XXXX of XXXX a collection account through XXXX XXXX XXXX in the amount of XXXX was placed back on my credit report. This collection account with XXXX XXXX as the original creditor was removed in XXXX. I was not notified by XXXX, Equifax, or XXXX  that this collection would be placed back on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
In XXXX of XXXX a collection account through XXXX XXXX XXXX in the amount of XXXX was placed back on my credit report. This collection account with XXXX XXXX as the original creditor was removed in XXXX. I was not notified by Experian, XXXX, or XXXX  that this collection would be placed back on my credit file.

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 2020-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/2020 I opened up a chime account in order to get my pua assistance. On XX/XX/XXXX I received an email from chime stating I had received a deposit of {$2700.00} dollars. Then later that day received another email to confirm another deposit of {$9600.00} was also deposited onto my chime card.During this time I still have not received card in mail. Then on the XXXX I received an email stating they closed my account and was not eligible for refund because I some how violated there amendment # 9. I did not receive my card until the XXXX. So I called the number provide by chime and when you call they ask to type in phone number so they can access the account so I do that but then an automated message comes on and says I'm sorry your account has been closed and then it hangs up. I've filed with the Bbb but haven't received a response in over 3 weeks. So now I'm trying to see what you can do to help me.in this situation. Thank you! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On XX/XX/2020 I began an application for a mortgage refinance with XXXX XXXX of PHH Mortgage Co. In order to commit to the application I was required to pay {$750.00} up  front for a home appraisal, which I did. By XX/XX/XXXX, the loan was conditionally approved and a loan processor was assigned, XXXX XXXX. The loan had a rate-lock good until XX/XX/2020. All documents that were requested by the loan processor were supplied in a timely manner. After XXXX months, and the expiration of the rate-lock, I received notification from PHH that the loan was being declined. No reason was given other than " unacceptable property ''. I have made numerous requests by email and phone calls to XXXX XXXX requesting a refund of the appraisal fee, since we had complied with every request to close the loan on time. So far the only reply has been to make an untrue statement about a subordinated lien on the property, which had been cleared by the title company weeks earlier. I feel that my expense for the appraisal should be refunded since the loan was declined through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/2020, I sent Experian a letter asking them to remove incorrect personal information. I sent them a follow-up letter on XX/XX/2020 when Experian had made no changes to my report. Both letters included a copy of my driver 's license and social security card, but Experian has refused to remove incorrect information. It is over 90 days later and Experian is violating federal law willfully reporting incorrect information.

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 2020-08-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRIAD FINANCIAL SERVICES, INC.
State: GA

Complaint narrative:
While trying to obtain a loan for a new mobile home park model I was pushed by the manufacture to do business with Triad Financial Services. I used the apply on line feature on the Triad website and had a Credit Approval-with pending conditions. The list of pending documents needed to complete the process was listed on the Credit Approval. I made copies of the requested documents and sent via email to the underwriter, XXXX XXXX. The email was sent on XX/XX/2020 @ XXXX. I tried to follow up with XXXX, however the direct line to XXXX went to another employee 's voicemail box and no other option was offered. XXXX XXXX was the customer rep and the only person I had contact with at Triad, two short phone calls. I tried to contact XXXX to make sure the documents arrived and were acceptable but I could only get her voicemail. I had one email response by XXXX telling me I would know something in 24-48hrs. During the same time I sent emails to ask questions about the loan and what Triad procedures are for items like escrow accounts and taxes. I never received a response. After consideration of Triad 's behavior and the Manufacture 's behavior I decided it was in my best interest to cancel the build and loan. I sent an official cancellation notice letter to all parties involved. This letter was emailed XX/XX/2020 @ XXXX. I was sent a denial of credit via the manufacture XXXX. The key factors for denial were listed as : Proportion of loan balances to load amounts is to high, Amount owed on revolving accounts is to high, unable to verify income.

I checked my credit scores before starting this application and the three credit agencies showed that I had NO balance on revolving credit, my credit score was XXXX and the only loan with a balance is a XXXX monthly payment. I have never had a forclosure, late payment or default of any kind. I am a XXXX XXXX XXXX XXXX  with my own company. I sent the requested 1099 and tax returns which prove my more than needed income for a loan of XXXX per month. 

It is my opinion that the very unfavorable denial of my loan was a retaliation done after I had canceled the loan and build, the cancellation letter I sent to Triad and XXXX XXXX XXXX XXXX  giving reason for cancellation as Triad 's failure to respond in a timely manner and XXXX XXXX XXXX   XXXX  using this to push back build and delivery dates. I have the email records shoeing the time lines. As the consumer I felt it was in my best interest to stop the transaction before I could end up in a contract with an aggressive predatory lender that has a long history at the XXXX  for bad customer service. 

I am more than willing to discuss this with anyone involved or government agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This account is suppose to be removed from my report. You are refusing to do your job under FCRA and failure to comply will result in a lawsuit. I will attach documents to prove I am requesting this matter be fixed quickly. I have enclosed my driver license with my current address, my birth certificate and the letter in reference to said account.

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 2020-08-17 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:
To avoid any unnecessary delay tactics from Transunion, such as stating this complaint is not coming directly from me the consumer. I have attached my I.D below to prove this is a direct consumer complaint. If Transunion believes this complaint isn't coming directly from me the consumer, they must provide proof with documentation to validate this claim. There are several inaccurate and unverifiable accounts Transunion is reporting on my consumer report in violation of the FCRA. I have mailed several dispute letters directly to them. This includes a dispute letter from over 60 days ago and a demand to comply letter, both of which received NO response. Additionally, I have attached these two letters below which outline all the false negative accounts and relevant correspondence dates. All letters were sent using USPS certified mail giving me proof they were delivered on time. These false accounts currently reporting on my Transunion credit report are deeply frustrating and is a violation of the FCRA. According to the law all false and/or unverifiable data must be deleted. I implore the CFPB to help hold Transunion accountable and not let them delay solving the real issue here.

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 2020-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To Whom It May Concern : On Friday XX/XX/XXXX my wife and I booked our anniversary trip to XXXX XXXX using our Capital One credit card rewards. The trip ID is XXXX which included 3 nights from XX/XX/XXXX XXXX XXXX. The reservation was for room type XXXX XXXX XXXX XXXX and the total reward miles was XXXX. When we arrived and the XXXX to check in, the front desk pulled up our reservation using confirmation # XXXX. They had this reservation for a standard room and not the XXXX XXXX XXXX XXXX. Their response was Capital One has been selling consumers the wrong room type. Since it was my anniversary and I had traveled over 4 hours I was forced to pay cash for the 3 night stay. I have asked Capital One to refund me the amount that I paid for the XXXX XXXX XXXX XXXX. They have chosen not to do so at this time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-17 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX XXXX XXXX {$76000.00} XXXX  XXXX {$1500.00} XXXX XXXX  XXXX {$66000.00} XXXX XXXX   XXXX {$20000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX {$230.00} XXXX XXXX XXXX {$37000.00} XXXX XXXX XXXX XXXXXXXX {$49000.00} XXXX XXXX XXXX   XXXX {$87000.00} XXXX XXXX  XXXX {$64000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
A few months ago, I started receiving statements from midland credit management XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, California XXXX ( XXXX ) XXXX attempting to collect a debt that i don't owe and today I received a statement from XXXX XXXX consumer support services saying that " after reviewing all their information, that they conclude that their records are accurate ". Now, I would like for them to explain how they conclude that their records are accurate when the SSN given is 2 digits off from mine ( but the SAME last 4 digits in which thats how their getting me confused ) AND the date of birth given to me is a few years older than me ( I'm not telling how many years due to the fact they can easily figure out my birth year and amend their records ) AND that I have never had XXXX credit card from XXXX XXXX  or any other bank. But their records are accurate? Maybe the federal trade commission can shed some light on this issue for me. Thank you very much. reference number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are big differences with XXXX Scores in each bureau.

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 2020-08-17 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
We mailed a personal check XXXX ( C/O PHH Mortgage Services ) to payoff mortgage. They acknowledged the receipt of the check on XX/XX/XXXX. But they still haven't deposited the check and posted it to my account. In the meantime I have been paying daily interest of {$7.00} totaling over {$150.00} already as of XX/XX/2020. They wouldn't even give me a date when they will settle the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
SLS LN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX  We have YET ANOTHER PROBLEM WITH SLS -- -- -- -- THIS IS OUR FOURTH ( 4TH ) CFPB COMPLAINT AGAINST SLS IN ALMOST AS MANY MONTHS -- -- -- This is NOT a duplicate complaint. 

We have had to re-email the SAME DOCUMENTS MULTIPLE TIMES -- -- SLS claims they only receive one attachment when there are multiple attachments. This is clearly another attempt to defraud their investors and their own clients. 


-- -- -- -- -- -- -- The INCOMPETENCY of this company is RIDICULOUS. ********************* They were just nailed for committing loan fraud and violations of their servicing agreements See attached Consent Order -- -- -- -- - Apparently they are going to continue to commit fraud regardless of how much they are fined. SLS HAS ALREADY BEEN FINED FOR THESE SAME ISSUES, YET THEY KEEP VIOLATING FEDERAL AND STATE LAW. THEY OBVIOUSLY THINK THEY ARE ABOVE LEGAL RAMIFICATIONS FOR THEIR ACTIONS. WHEN IS SOMETHING GOING TO BE DONE ABOUT THIS? 


-- -- I have attached the documents here to this complaint as that seems to be the only way to get SLS to accept and process the documents they need for the short sale. Also attached is our authorization, as it seems to be the new excuse SLS uses in order to not address complaints made against them. -- -- -- - I expect this file to be moved forward appropriately and immediately.

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 2020-08-17 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: MS

Complaint narrative:
This is my second attempt to resolve this issue. My name is XXXX XXXX and this complaint is done by me. Experian did do an investigation and responded by saying they did not believe I was responsible for summiting the claim, which is an insult to my intelligence and ability find information given by the FCRA.

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 2020-08-17 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: DISCOVER BANK
State: IL

Complaint narrative:
I bought from XXXX an XXXX XXXX in XXXX, and they a mistake by sending five boxes instead of one. I returned all the boxes to XXXX, and XXXX credited my account with Discover Card which was charged. Discover card did not acknowledge the credit and they still are charging me with the price since that date until today. The amount is increasing over time for their charges. The charge today is {$780.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JTM Capital Management, LLC
State: GA

Complaint narrative:
I have attempted to contact JTM Capital who keeps changing there number about a debt owed. However, I have done my research and they have use tactics to threat me of judgement and legal actions. I told them that I am willing to settle with 20 % of whats owed.

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 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Made attempts to have fraud alert removed from all major credit bureaus. As of today, fraud alert remains, unable to dispute unfamiliar items. With the notations on the credit profile, my credit profile is compromised.

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 2020-08-17 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
As of XX/XX/XXXX I paid this card in full. I am currently considering purchasing a new car however I have been waiting for my credit score to go up. 
As of the XX/XX/XXXX I noticed that they were/had not reported the payment to the credit bureaus ' while the other 7 cards that were paid the same day had. I call Barclays and asked them why they hadn't reported it and they said they would on the XXXX. On the XXXX, today, I checked again and call Barclays and we told that they don't report until the end of the billing cycle. I know for fact that is false, I have another card with the them that showed paid in full right after payment. 
When questioned and escalated to a Manager I complained and asked for a letter today to be faxed to me to state as of today, XX/XX/XXXX that the account was paid in full, they again refused. 
Barclays can not pick and chose who and how they report when this is a case of adverse reporting. 
I would like to file a complaint as to the business practices in respect to the fair reporting act.

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 2020-08-17 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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