vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. 

LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. 
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. 
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: AL

Complaint narrative:
Consumers are not being fairly evaluated when applying for home loans with Better.com Mortgage. I have a XXXX credit score, a 4-year payment history with XXXX XXXX XXXX where  I have neither been late nor missed a payment. I am selling my home where I can afford to put down 20 % on a new purchase. I only have a mortgage which started out as {$920.00} a month and increased to {$970.00} due to a change in homeowners insurance. I have a car note at {$440.00}, three minor credit card monthly payments, and a private student loan payment of {$45.00}. These credit card payments, etc. will be paid in full with the proceeds of the sale of my house. According to Better.com Mortgage I can only purchase a new house at {$170000.00} with a 5 % down payment. For some unknown reason, I can not pay 20 % on a new purchase and increase the purchase amount and the calculation of my DTI is 61 % and not 45 % as had been the case with another mortgage company. The digital application is way off and needs to be revamped immediately as it initially gave me a pre-approval up to {$460000.00}. Also, the student loans that are in IBR status with $ XXXX monthly payments are stating they are in forbearance not sure from re-entering college to complete my degree or from the Cares Act, but this company is trying to use the 1 % of balance on documented IBR {$0.00} balance student loans. My SSXXXX and retirement income was frowned upon also. Something is seriously going on with this newly created company where the buyers are not being fairly evaluated for home loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GSF MORTGAGE CORP
State: WI

Complaint narrative:
XX/XX/2020 {$310000.00} We applied for a refinance after being told by this company rep to go with the higher interest and assured us they could refinance the loan. Now they denied us now we are trapped in this high interest loan with which we would not have taken if we were not assured that they could get us approved. Now there are not even responding. They had us paying for the home inspection and never even provided the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: MI

Complaint narrative:
I disputed these two accounts on XX/XX/2020. i also has called them about these old accts that were past the limitation with experian and to deleted these old account that keep re -aging every month on my credit report Experian continue to tell me that its accurate without any details and proof this has been very frustrating for me to continue let them lie to me about these accounts the amount on the account is Acct:XXXX is for the amount of XXXX. 
Acct:XXXX  is for the amount of 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 2020-12-02 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items

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 2020-12-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I applied for Care Credit through synchrony bank. The process for when applying was pretty straight forward, my issues come at the end of the process. I was denied for a XXXX dollar loan but my denial was based on a inaccurate credit score that was off about 200 points. I called numerous times and was put through to different departments in which none of the representatives had the knowledge on how to deal with this type of complaint. I was told to call XXXX and then to give them a call back. This was concerning because in order to get to a representative you have to out in an account number, it took me calling and hanging up along with putting in information such as my SSN then pressing zero for about two minutes to even talk to someone. They make it easy to give your information but hard to obtain help or get information which is very deceptive. I believe that their system is unfair and biased as their system of has my scores 200 points less than any other credit bureau I also have a 100 payment history. I also asked for an explanation on how they made their decision and came up with the credit score that they displayed and I was told that they did not know.

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 2020-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hello, This is a continuation from several previous complaints, most recent was XXXX. 
We are now still waiting for a financial breakdown as to a HUD modification that was added to my loan, the amount of the loan exceeded the amount of the 3 forbearance payments, and no one to date has been able to tell me why, nor did they follow up as I was promised with these answers. 
More importantly, we are now in the process of completing a refi with Wells Fargo, and I have just been told by XXXX XXXX, Wells Fargo Home Mortgage Consultant, XXXX ID XXXX, that my refi can not be approved because of the HUD Modification that Wells Fargo attached to my mortgage. I was also told that this Modification was the first he had seen, and that normally the 3 forbearance payments were moved to the back of the loan. I was also told that I should have been given the option to move the payments, and not add a modification to my loan. 
I was told in XXXX when Wells automatically enrolled me in the cares forbearance program that the payments were simply moved to the back end of the loan, with no fee 's, or penalties. 
I would like this HUD modification removed from my loan, and Wells Fargo to adhere to the program as it was stated to me, and move the payments to the back end of my loan, and the right to complete my refi.

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 2020-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
i opened the business fundamentals checking account ending in acct XXXX on XXXX XXXX2020 with a promotion of deposit {$20000.00} and completed 10 billpay activity to get {$500.00} bonus. i have finished all the tasks but still didn't get the bonus.

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 2020-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a dispute against XXXX XXXX XXXX early XX/XX/2020 when I noticed it appeared on my credit. I had no knowledge of nor was I informed of the debt prior to submission on my credit report. Upon my investigation I found out the it was a 3rd party attempting to collect a debt on a account ( XXXX  XXXX XXXX  ) that was already REMOVED from my credit as it was proven to be a result of identity theft. The removal of that account was over a year ago. in response to my complaint, XXXX  XXXX  responded via cfpb that indeed they did not have verification proof of the purchased account, agreed to stop collection. The credit bureaus however claims that the information is accurate and reporting correctly but will not provide me with proof of validation. The credit bureaus could not have been provided with evidence of validity if the actual company admitted to NOT having validity themselves. This is an attempt to collect an identity theft account and need to be removed urgently. There are police reports, FTC reports, XXXX  cases, numerous CFPB claims and the actual federal government has actually dismissed the loans associated with XXXX as I have NEVER attended this university. Remove this account from my credit.

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 2020-12-02 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:
I filed a dispute against XXXX XXXX XXXX  early XX/XX/2020 when I noticed it appeared on my credit. I had no knowledge of nor was I informed of the debt prior to submission on my credit report. Upon my investigation I found out the it was a 3rd party attempting to collect a debt on a account ( XXXX XXXX XXXX  ) that was already REMOVED from my credit as it was proven to be a result of identity theft. The removal of that account was over a year ago. in response to my complaint, XXXX XXXX responded via cfpb that indeed they did not have verification proof of the purchased account, agreed to stop collection. The credit bureaus however claims that the information is accurate and reporting correctly but will not provide me with proof of validation. The credit bureaus could not have been provided with evidence of validity if the actual company admitted to NOT having validity themselves. This is an attempt to collect an identity theft account and need to be removed urgently. There are police reports, FTC reports, XXXX  cases, numerous CFPB claims and the actual federal government has actually dismissed the loans associated with XXXX as I have NEVER attended this university. Remove this account from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: Stewart, Zlimen & Jungers, Attorneys, Ltd.
State: MN

Complaint narrative:
currently there is negative information provided by XXXX XXXX XXXX XXXX XXXX. this account was sold/referred to collection company Stewart, Zlimen & Jungers , LTD. a case was then brought to court which I tried to self-represent. XXXX stated I needed to file a complain. but the stress and agony that comes with the harassment from Stewart, Zlimen & Jungers , LTD, was unbearable to the point I just agreed to settle the amount on XXXX. I initially disputed this account and provide all information to the collection company. this account was fraudulent opened by my brother and his friend. both of them was since jailed and deported. in any event, in the wake of things, I was forced to settle the debt in the amount of {$4000.00}. a phone conversation with XXXX XXXX stated that once the debt is paid, it would be adjusted on the credit report. it has been more than 90days now and this debt instead of reflect as paid in full, shows a reduced balance which is contrary to the agreement made for settlement. I've disputed this account 2 times and there was no changes in result even though I satisfied the agreement of {$4000.00} in full as of XXXX which I have proof of. when this account was disputed under XXXX XXXX XXXX - Direct disputes. there was no investigation result mailed/delivered to me. instead, was taken directly to the courts.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: FL

Complaint narrative:
To whom this may Concern I'm a victim of identity Theft. someone stole my identity and open accounts without my consent this is crazy I cant understand how this is possible I'm very upset about this situation and something needs to be done about this, they stole money out of my bank accounts and totally ruin my life I need help so that i can get my life back together

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom this may Concern I'm a victim of identity Theft. someone stole my identity and open accounts without my consent this is crazy I cant understand how this is possible I'm very upset about this situation and something needs to be done about this, they stole money out of my bank accounts and totally ruin my life I need help so that i can get my life back together

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 2020-12-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Selene Holdings LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX never billed me for my mortgage payment. XXXX became the mortgage servicer after XXXX filed bankruptcy and has been found to have harmed consumers. 
XXXX XXXX XXXX never entered their name in the foreclosure case ( XXXX City Circuit Court case # 24-O-17-002196 ) XXXX never put their name in my credit report or XXXX City Land Records, but was involved in the foreclosure action of XX/XX/2020 ; but is not in the court docket. 

I had communication from XXXX because the Md. Commissioner of Financial Regulation gave me their name. I wrote letters and called but there was no record of my account. 
I received the first billing on XX/XX/2020. After XXXX  investigated, XXXX sold the mortgage servicing to Selene Finance. XXXX gave Selene Finance a fraudulent Deed of Trust and escrow document. I, the homeowner pay my own property taxes and insurance. It was XXXX that passed the fraudulent documents to XXXX and now the fraud continues. 
Selene Finance is returning my mortgage payments because of fraudulent documentation received from XXXX. I was billed until XX/XX/2020 and there is no arrears according to their billing statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: PA

Complaint narrative:
Fraudulent account identity theft XXXX XXXX XXXX XXXX Open XX/XX/XXXX Amount XXXX Original creditor XXXX XXXX XXXX and XXXX XXXX XXXX  Unknow person opeond Original account in XXXX account was deleted from all 3 credit reports and founded as fraud Somehow after 2 years the account found its way to collection company after previously being deleted from Original creditor on all 3 reports I provided as much evidence as I could in the pictures I sent as you can see in the photos the original account was deleted and as you can see in the photos the original account number and the current account number are the same as the account that was deleted 2 years ago Could you please stop allowing the original creditor to send this account to collection agencies when the original account has been deleted and I was not found responsible for the fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items

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 2020-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I notice some accounts and inquiries on my credit report that I did not open on my credit report CREDENCE RESOURCE MANA Original creditor : XXXX XXXX {$2300.00} Collection opened XX/XX/2020 2020

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been actively paying off regular and promotional balances with my Home Depot store credit card managed by Citibank. I have tried calling over several weeks and made approximately 10 phone calls to have this problem repaired without success. Each month I pay my minimum amount due plus extra toward promotional balances. My statement closing date is the XXXX of each month and my payment due date is the XXXX of each month. 

On XX/XX/XXXX I made a payment in the amount of {$210.00} Minimum payment of {$79.00} remaining balance ( {$130.00} ) to be applied 100 % to promotional balance expiring on XX/XX/XXXX as agreed upon in letters dated XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX I made a minimum balance payment in full in the amount of {$74.00} due XX/XX/XXXX On XX/XX/XXXX I made an additional payment of {$100.00} to be allocated 100 % toward promotional balance ( {$290.00} ) expiring on XX/XX/XXXX as agreed upon in letter dated XX/XX/XXXX On XX/XX/XXXX I made a payment of {$130.00}. XXXX payment of {$73.00} and remaining balance XXXX {$63.00} XXXX to be allocated 100 % toward promotional balance due on XX/XX/XXXX. 

Not only were the payments not allocated as agreed in letter dated, XXXX XXXX they were also not allocated according to The Credit Card Accountability, Responsibility and Disclosure Act ( or Credit CARD Act ) of XXXX. As as result I was charged a late fee and my account has been marked as past due. 

I have never been late or missed a payment in the history of my account with Home Depot Citibank. Customer Service refuses to remove my late charge and late status which in turn will adversely affect my credit. This may also cause me to be charged interest on purchases that were agreed zero interest with promised payments. I have made all payments as promised and Citibank Home Depot is not allocating the payments as agreed upon in writing.

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 monetary relief