vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: KS

Complaint narrative:
Selene Finance took over service of my loan in XXXX. Loan # XXXX. I was previously in Chapter XXXX Bankruptcy that was discharged in XXXX. Selene Finance refuses to acknowledge the bankruptcy discharge despite my sending documentation from the courts. They have refused to communicate with me regarding details of my loan without hiring an attorney post discharge of the bankruptcy. I was required to pay an attorney to get a payoff amount. I have paid off the mortgage and now have not received the mortgage lien release. I have been advised by customer service that I need to hire the attorney again. I have not been represented by an attorney since XXXX. I fully consider their actions to be predatory. I I have to hire an attorney again, it will be to file suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I do not recognize the creditor JPMCB Auto at XXXX XXXX XXXX XXXX XXXX TX XXXX. They have been sending me collection notices in about the collection account reporting that this is past due. I do not know this company and they do not have a contract bearing my signature. I have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX made a Retail Inquiry by checking my XXXX Credit File on XX/XX/2021 without my consent. There is no account attached to this company. 

JPMCB CARD SERVICES made a Bank / Credit Card Inquiry by checking my XXXX Credit File on XX/XX/2021 without my consent. There is no account attached to this company. 

These activities are illegal by law. There is NO permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Collection is not from the orginal creditor XXXX, the current creditor I.C. Systems, at XXXX XXXX XXXX XXXX XXXX, MN XXXX. They have been sending harrassing collection notices via email, mail, and by phone after the debt was sold stating that the payment was past due. I do not know this company. I have never done business with this company and they do not have a contract bearing my signature.

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 2021-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I have a collection on my credit the original debt coming from att uverse though I have never had there service. the current company has told me the verified the debt but that is impossible ( I C system inc )

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 2021-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2021 I received an alert from XXXX XXXX that a hard inquiry was attempted from XXXX XXXX from Bank of America but was blocked due to my having a freeze on my credit bureaus. I called Bank of America at XXXX and spoke to XXXX who took my ss # and then transferred me to the Fraud department where I spoke to XXXX who said he was in the XXXX TX region. their address is XXXX XXXX XXXX, XXXX XXXX, TX XXXX. I explained what happened and he said " hold on '' and then transferred me back the customer service line again where I waited and no one picked up. I was unsuccessful in my attempt to stop Bank of America from attempting anymore credit inquiries and therefore perpetrating fraud against me. I was denied any attempt to explain this was not my actions and I have never attempted to open any account anywhere.

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 2021-11-02 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: DC

Complaint narrative:
This is in response to mail that I received from Equifax. The results of their reinvestigation was that they need me to be more specific about the accounts I need them to delete. The name of these accounts are XXXX/Department of Education .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
On or around XX/XX/XXXX my credit card accounts were closed by Citi Bank. When I called Citi Bank asking them what the reasons are for closing my 2 credit card accounts they didnt have any reasons listed as to why the credit card was closed. I received a letter in the mail with a statement that my credit cards were closed and I was told by a Citi representative they had no reasons listed as to why the account is closed. The credit card company wants me to pay a bill payment on XX/XX/XXXX for {$290.00} on my XXXX XXXX Citi XXXX that has a balance of {$6600.00}. As for the other Citi XXXX Credit Card theyve sent me a bill to be paid on the XX/XX/XXXX for {$340.00} with a balance of {$5600.00}. I asked if I could take out my rewards they said, You have {$0.00} in rewards the account was closed they said I forfeited my cash back benefits of $ XXXX When they closed my account. Ive made several phone calls to Citi Bank and they say they cant do anything to help open my account back up.

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 2021-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have three Capital One accounts that are reporting six late payments each. I made payments which are reflected in Capital One database. 

I want those late payments removed from my credit files. I have submitted several disputes without results. 

Capital One Platinum XXXX XXXX XXXX XXXX  Capital One Spark XXXX XXXX XXXX XXXX Capital One Platinum XXXX XXXX XXXX XXXX I want the inaccurate late payments removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I rented an apartment from XXXX XXXX XXXX  in XXXX GA. The original name of the compass XXXX XXXX XXXX XXXX. About 3-4 months after I moved in my spouse asked me if I wanted to move in with them. So I went to the leasing office and asked if I could turn the lease over to someone else. I was advised that I could. What I was not told was it would be a sublease. I was told I would be free and clear from the lease. Hence why I moved out. It would also make since as to why I was never notified that the person that took the lease over never paid rent while he lived in place of me. I signed paperwork under the impression I would be singing the lease over. What they actually had me sign was a new SECOND lease stating that the new tenant actually moved in with me the same time I did. So I am on a lease by myself and on a lease with the man that was supposed to take over. He was not a roommate and I never lived their. It was a one bedroom apartment. They also created a lease that was signed that had completely made up information on it. When I moved in I moved in alone and I paid the security deposit on my own. Im a XXXX veteran. I also have a XXXX XXXX. I have 48 address on my credit report because I have not been able to get an apartment on my own and I have had to rent out rooms from strangers and friends. Ive lost jobs because of this and it has ruined my life. National credit systems has not been helping either. I asked to be put on a payment plan if it could come down off my credit and they denied me. Im not working right now and Im homeless again. I dont have XXXX to give anyone. Can you please help me. Im trying so hard to get my credit back together.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: LoanCare, LLC
State: CA

Complaint narrative:
On XX/XX/2021, my home burnt down in the XXXXXXXX XXXX. I contacted my mortgage company and filed a forbearance on my loan due to this. My forbearance was approved as of XX/XX/2021. A few weeks later, I got a notice stating my forbearance was canceled. I called back and told them of this error, they then stated they re opened my forbearance and it was all in effect again. I continued to get past due notices in the mail from them so I again called back in XXXX of 2021 to confirm my loan was still in forbearance and I was told it was. I called again on XX/XX/2021 to verify my account standing for a new mortgage I am trying to obtain. During this call I was told I was removed from forbearance again and my account is showing past due. They re submitted my forbearance to a manager to get it reinstated, however it still reported to my credit companies I was past due on my mortgage. I was in contract for another home already and this error from them ruined my family from being able to buy a new home and has made us remain homeless until this is corrected.

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 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
I've previously submitted my complained against TSI collection services by their client XXXX, XXXX after My name was placed on the debt collection list without my authorization. The company denies that it is their claim via adverse action and in violation of 12 CFR 1002.9 regulation B. I would like remedy in this process

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
This company, commercial acceptance located in XXXX PA XXXX XXXX XXXX # XXXX XXXX XXXX  pa XXXX. 
They are calling all of our family members throughout the United States. They are calling my XXXX year old son. We did not receive any letters or emails regarding this debt we owe. We are reporting them so they stop harassing my family. They need to take better approaches to debt collecting besides attacking ones family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: LA

Complaint narrative:
My house was damaged by Hurricane Ida. Since I have a mortgage on my house and the damage was in excess of {$50000.00}, the check had to be made payable to us and the mortgage company. I called Rocket Mortgage and was advised that I have to endorse the check and mail to them which I overnighted to them on XX/XX/XXXX. When I initially called on XX/XX/2021, I was told it would take 5 business days to review, deposit the check and re-issue in the amount of {$50000.00} ( check was {$64000.00} ). As we made repairs, we would then get the remaining balance in 2 draws. I called again on XX/XX/2021 to get a status and was then told that the info given on the time frame was incorrect. It would be 7-10 business days. When I complained about the change in time frame, I was also told the " we XXXX americans have to stick together ''. I'm not XXXX american. I called today XX/XX/2021, the 10th business day to learn that my file was not assigned to a case worker to handle and my funds are sitting in my escrow account. I requested that the {$50000.00} be direct deposited into my checking account because I have contractor 's to pay. Was advised that it will take longer to process my check because they are short-staffed due to COVID and I would have to wait for a check in the mail. This was/is completely unprofessional and I want others to know about this issue. Once this is all said and done I will be re-financing and it won't be through Rocket Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: FL

Complaint narrative:
I HAVE FILED A DISPUTE IN REGRADS TO THE IMCORRECT ITEMS ON MY CREDIT REPORT ITS HAS BEEN WELL OVER 30 DAYS AND HAVEN'T RECEIVED ANY IVESTIGATION RESULTS.

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 2021-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
I refinanced my home through XXXX XXXX  XXXX based in XXXX XXXX, Nevada about 2 months ago. I signed the deal of {$310000.00} with XXXX XXXX XXXX XXXX XXXX based in XXXX, Nevada on XX/XX/2021. However, after about Two months of my deal, my previous mortgage company which is PHH Mortgage didn't close my account and keep sending me a monthly payment bills and additional letters that indicates " short payoff issue ''. I called both PHH Mortgage and XXXX XXXX about the issue several times but, the problem is still not solved. Lastly, I have got a waring letter from PHH Mortgage which indicates that " ... To cure the default, the full amount of the default on this account must be paid by the XXXX day from the date of this letter which is XX/XX/2021. Failure to cure the default on or before this date may result in the acceleration of the sums secured by the security instrument and sale of the property... .. '' Now, after I have got this letter, I am afraid of losing my home without any wrong doing in my part and I am suffering from not slipping well. My continuous calls to the above mentioned companies doesn't bring any solutions instead wasting all my time. 

XXXX XXXX responded to the issue as follows : - Company 's Response XX/XX/2021 CONSUMER FINANCIAL PROTECTION BUREAU Reference : CFPB Complaint Case Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX is in receipt of XXXX XXXX complaint and inquiry regarding a recent refinance where Mr. XXXX lender , PHH Bank XXXX has not applied the wire that was sent to pay the loan in full. On XX/XX/XXXX, XXXX XXXX XXXX closed the refinance of XXXX XXXX property and sent, via a wire transfer, a payoff to PHH bank based on their payoff statement. According to the PHH payoff statement, the payoff was good through XX/XX/XXXX and the amount that was sent to PHH on XX/XX/XXXX had an amount slightly higher than the payoff demand to cover an additional day of interest. On or around XX/XX/XXXX, PHH returned the payoff wire claiming that the funds submitted were not sufficient. The very next day on XX/XX/XXXX, another wire was sent to PHH to pay the loan in full. XXXX XXXX XXXX followed the instructions and payoff amount that was submitted from PHH. When PHH returned the payoff wireXXXX XXXX XXXXXXXX XXXX took immediate action and worked with PHH to get XXXX XXXX loan paid in full. PHH has been in receipt of the payoff wire since XX/XX/XXXX and XXXX XXXX XXXX has not been notified that the loan has not been paid in full. As XXXX XXXX XXXX has submitted the payoff wire to PHH, there is no additional action that XXXX XXXX XXXX can take in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of Harris & Zide
State: CA

Complaint narrative:
Hi Please people I guess there are collection agency by attorneys office trying to sue me and using the language yeah just trying to sue me Be half off I believe XXXX and this is an old account I really contacted them so many times A normal response with me and help me during the pandemic is it weird I am suffering so bad me and my family we can sit for the pandemic COVID-19 And suffering so bad and have very bad They did not help me and now they want to soon take me to court for this whole accounts which is a try to address and inform them that iMessage ration they dont care can you please help me an address in this marriage between them please I will be appreciate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2021, my home burnt down in the XXXX XXXX I contacted my mortgage company and filed a forbearance on my loan due to this. My forbearance was approved as of XX/XX/2021. A few weeks later, I got a notice stating my forbearance was canceled. I called back and told them of this error, they then stated they re opened my forbearance and it was all in effect again. I continued to get past due notices in the mail from them so I again called back in XXXX of 2021 to confirm my loan was still in forbearance and I was told it was. I called again on XX/XX/2021 to verify my account standing for a new mortgage I am trying to obtain. During this call I was told I was removed from forbearance again and my account is showing past due. They re submitted my forbearance to a manager to get it reinstated, however it still reported to my credit companies I was past due on my mortgage. I was in contract for another home already and this error from them ruined my family from being able to buy a new home and has made us remain homeless until this is corrected.

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 2021-11-02 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: TX

Complaint narrative:
Account of XXXX  acct # XXXX reporting to my credit reports inaccurately to the three major bureaus. You will see that the past due amounts are different, last reported dates, as well as date last active and date of last payment. Because this information is being reported differently from to each bureau this means that the account has not been properly verified and should be caused for permanent deletion from my credit file. I have provided a copy of how the company reported inaccurate information to 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 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Inaccurate information has been reporting to my credit report. I recently pulled my reports and noticed that the account of XXXX ACCT # XXXX had been reporting incorrect information to my credit file. This means that the account has not been correctly verified which should cause in deletion. I have attached a copy of the file and it shows the inaccuracies to the different bureaus reported. Date opened is inaccurate between the bureause, last reported, date last active, date of last payment, as well as payment history. The account shows reported as CO in XXXX to experian ok for six straight months to Equifax after being reported as charged off to XXXX. It also shows 30 days late to to XXXX for free months of XXXX and XXXX and ok to Equifax for those same months. It reported as 30 days late, 60 days late and 90 days and 120 days late for the months of XXXX through XXXX to my experian account but reported as ok for the same months to my Equifax report. The innacuracy between the bureaus reporting should cause in a deletion of the account from my file

Company response to consumer: Closed with explanation