vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CT

Complaint narrative:
Hi XXXX XXXX. 
I see that you refounded money on my escrow account, Could you tell me please how much i own you. 
I paid you {$1000.00} for XXXX, XXXX and XX/XX/2020 instead of {$1700.00}. 
The difference is about $ 660 monthly.The total should be about {$2000.00} for the 3 months. 
I will not pay you late fee.

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 2020-03-18 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Given the remnants of the financial crisis as it affected the housing market, I fell behind on mortgage payments on a property that I own. The property was purchased in XXXX and we moved out in XXXX. Prior to moving, the property was listed for sale but with no offers it was converted to a rental. As we were unable to sell the property we rented it. In XX/XX/XXXX our renters gave notice that they wouldnt renew the lease. The house was vacant and put on the market again for sale. I carried the mortgage payments on this property as well as my primary residence both with mortgages from Wells Fargo. While I fell behind on payments on the rental property mortgage I was not 30 days late. I finally got Wells Fargo to agree to a payment arrangement after several unsuccessful tries. By the arrangement I agreed to pay the past due amount over 3 months in addition to the regular monthly mortgage payments. It was my expectation that Wells Fargo would not report late payments during this period. Just to be clear, when I entered agreement I was not 30 days late and had never been. The arrangement actually created the 30 day lates that were reported by Wells Fargo in XXXX and XX/XX/XXXX. Had I known that this would have harmed my credit I would have taken a loan for the past due money instead of basically accepting an agreement that hurt my credit. Wells Fargo claims they indicated theyd report me as late. I dont recall this and again would not have entered into this agreement if the terms of the reporting were indeed actually clear. Also, my spouse is on this mortgage and Wells Fargo never got a spousal agreement as to this arrangement which has hurt both of our credits.

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 2020-03-18 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: EQUIFAX, INC.
State: MT

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX DPT ED/XXXX XXXX XXXX/XXXX  DEPT OF ED/XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX DPT ED/XXXX XXXX XXXX/XXXX  DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX DPT ED/XXXX XXXX XXXX/XXXX DEPT OF ED/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc.
State: VA

Complaint narrative:
On a routine credit report, I found a notification that I may have an unpaid balance of {$180.00} based on a bill from XXXX XXXX XXXX. This was my first notification on this matter. I have received no notifications, bills, calls, online notes or any information about this, zero. Also, when I periodically reviewed the XXXX billing website, I found no notification that I owed any unpaid amount to XXXX. I have always paid other bills with XXXX and this was a complete surprise! 

On XX/XX/XXXX, after reviewing my credit report, I contacted the XXXX XXXX XXXX by phone. XXXX would not provide any information regarding the specifics documenting the debt or any confirmation that I was ever notified ( other than XXXX indicating that the debt was based on unspecified XXXX   XXXX  for an unspecified patient, on XX/XX/XXXX ). I also confirmed that XXXX has my correct mailing address and contact information. 

Subsequently, In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), on XX/XX/XXXX, I called the Collection Manager at Progressive Management Systems in XXXX XXXX, CA. They noted that they had not contacted me about the debt but would provide no information or any verification that this debt was owed and the nature of the debt. 



I thereafter, contacted the collection agency by mail, and requested they provide me with a validation of the debt noted above. Please note, I did not provide a refusal to pay, rather I am disputing this claim and requested validation based on 15 USC 1692g Sec. 809 ( b ). 

I still have received no information by any mean from either XXXX or the Progressive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/20, I purchased {$1000.00} worth of gift cards at XXXX   using my personal Citi debit card. They were for my boss and he said I would be reimbursed for the next payroll. 

On XX/XX/20, I found out it was not my boss that emailed me purchase gift cards and I found out I was scammed. I called Citibank that day but their fraud department was already closed. 

On XX/XX/20, I went to the police station to file a report and called Citibank to let them know that I was a victim of a scam and did not authorize the purchase as I was manipulated in doing so and so they opened a case that day. 

On XX/XX/20, they gave me a provisional credit to my account while they investigate the case. 

On XX/XX/20, Citibank sends an e-letter deeming me responsible for the {$1000.00} transaction. I called them again to see if this could be appealed. The customer service rep I spoke to informed me that she could dispute the case again but it doesn't look like they re-opened the case as I see there are no new messages from Citibank 's message center.

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 2020-03-18 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: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$49.00}

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 2020-03-18 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: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$49.00}

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 2020-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
We have a mortgage with CHASE with Loan # XXXX for our homestead property. 

We received yesterday a letter from CHASE letting us know that they have sold our loan, and it is been transferred to XXXX XXXX XXXX ( XXXX ) starting XX/XX/2020. 

We review online XXXX and found that XXXX XXXX XXXX is a loan servicing company based in XXXX XXXX XXXX, Utah, with an additional office in XXXX, XXXX, XXXX is not accredited by the XXXX XXXX XXXX ( XXXX  ) and has received hundreds of complaints for billing/collection problems and potential FDCPA violations. 

Immediately we call CHASE customer service ( XXXX ) spoke with XXXX XXXX and ask them to please dont go ahead with this transferring of this loan in this particular moment with the COVID-19 that is affecting everybody and we are loosing income, and in case that we are not going to be able to pay the mortgage in the near future, by sure the investor XXXX  is not going to help us with this matter as CHASE is able to do it, and has done in the past when we were affected by a hurricane and CHASE allow us to defer some payments. 

Our complaint is that the CHASE is not taking care of their customers in this COVID-19 time, they are choosing the worst moment to sell our loan and let us unprotected in difficult times, and we are really on panic that this transferring of our loan may conduct to a future foreclosure of our home Attached please find letter received from CHASE wit this disturbing announcement to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: FL

Complaint narrative:
I have asked for my personal information to be updated. The information is wrong I have a business address on my personal information that is not mines.

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 2020-03-18 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX DPT ED/XXXX  XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  DPT ED/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have asked for my personal information to be updated. The information is wrong I have a business address on my personal information that is not mines.

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 2020-03-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have asked for my personal information to be updated. The information is wrong I have a business address on my personal information that is not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: FL

Complaint narrative:
I submitted a certified HIPAA letter to Americollect via USPS mail tracking # XXXX. The USPS website shows they received the letter on XX/XX/2020. In the letter, I requested a response in writing within 10 days advising they were processing the request but I did not receive any response. Per the FCRA guidelines, the creditor has 30 days from the date of receipt to respond/investigation to be complete or else the item must be removed from my credit file. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ) validation of this debt must be produced within that timeframe. Neither was done in a timely manner. 

This item was previously disputed a few months prior and was removed from my XXXX and XXXX  report but still remains on my XXXX  report hence the reason I submitted another dispute on XX/XX/2020. 

I contacted the creditor, Americollect on XX/XX/2020 to request that they remove this debt from my XXXX  report for failure to comply with the turn around time according to the FCRA 30 day timeframe. I spoke with XXXX, a supervisor for Americollect and she advised me they completed their investigation on XX/XX/20 because they had to wait for the original creditor to send them validation. I explained to XXXX, regardless of the reason, per FCRA they must remove this debt from my credit file b/c they were past the 30 day turn around time to complete their investigation but she refused to do so. 

I am asking that this item is removed from my credit profile immediately as it is not valid, a breach of security according to the FCRA ( 15 U.S.C 1681 subtitle D of the ARRA, SEC. 13401 ) and was not responded to within the 30 day timeframe also per FCRA guidelines. 

Best Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
i keep receiving letter from portfolio recovery associates, LLC about the debt but they fail to show me the proof of original contract to show me i owe that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: GA

Complaint narrative:
A while back I lost my purse with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX  XXXX {$31000.00} XXXX XXXX {$6000.00} XXXX  XXXX {$7000.00} XXXX  XXXX XXXX {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Have an option arm loan, and BALANCE REDUCITON LETTER was sent after modification of country needs to be honored. CALLED MR COOPER SAID NO SALE CALLED TRUSTEE SALE SITE SAID SALE!!!!!!!!!!!!!!!!!!!! WHAT IS GOING ON called XX/XX/XXXX under review! No letter sent or anything!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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:
I am filing this report because today XX/XX/2020 I was made aware of two accounts on my credit report that do not belong to me. The way I found out was that I went to apply for a XXXX   credit card and I did not get approved due to these two accounts in negative standing appearing on my credit report. The accounts are from XXXX 's and XXXX XXXX. I did not open those accounts nor have I ever opened an account with those companies. I did not allow anyone to open those accounts in my name and I do not and have never had a written/verbal contract with either of those companies. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards these accounts. I have filed this report to the best of my knowledge and I have also filed a police report and a complaint with the consumer financial protection bureau.

Company response to consumer: Closed with explanation