vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-01 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:
I sent Identity Theft Affidavits and Police reports on XX/XX/2020. The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
In XXXX I moved overseas to live and work in XXXX, XXXX. I lived there for five year and repatriated back to the XXXX XX/XX/XXXX due to COVID and death of parent. While I lived oversea, I was a victim of identity theft in the USA. I attempted to let HSBC know but was told there were charging off my account and told if I didn't pay a settlement my credit would be ruined. I tried to explain I lived oversea and used only my XXXX HSBC account and that the charges were not mine. I paid a settlement based on the amount I believe was closest to that truly owed, and to get the creditor off my back. Now that I know for sure this was ID theft and have filed FTC Identity theft and police reports, I have requested that HSBC remove the adverse comments, late payments and charge off statements on my credit and update the credit report to reflect good standing and paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XX/XX/XXXX, Experian REFUSED to start a dispute after they have already verified my identity by phone and received a letter from me requiring them to provide me PHYSICAL VERIFIABLE PROOF that EXPERIAN has obtained to validate reporting the accounts listed on the credit report. I did NOT send a request about the ACCURACY of any item reported as they responded to CFPB but asked for EXPERIAN to provide physical proof of being able to report said matters on my consumer report. Furthermore, my request for this which came on a letter attached with MY ORIGINAL SIGNATURE, DRIVERS LICENSE, and SOCIAL SECURITY card as well as my verbage in the letter concludes that I, XXXX XXXX XXXX was the one disputing and not a 3rd party agency. Also, my dispute has been illegally closed without proper investigation and 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 2020-12-01 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase Bank stopped sending our XXXX statements. 30 year perfect history with Chase with multiple accounts. They claimed we went paperless, but never sent an electronic notice or statement of any kind for the second account. Immediatley brought account current when discovered. Our credit card statements come in the mail as well as electronic notices, but nothing for this other account. If you go paperless they should send you electronic info. Sent a certified letter on XX/XX/XXXX, with no response to XXXX XXXX at Chase. USPS in XXXX, LA says Chase picks ups and scans their own mail. They failed to scan this letter to XXXX XXXX, but verified they recieved it on XX/XX/XXXX .They are greatly affecting our credit with this which is absurd. We need immediate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: GA

Complaint narrative:
I submitted Identity Theft affidavits and police reports on XX/XX/2020 ... .I have never filed Bankruptcy or had any of the accounts listed in the following attached documents ... Clerk of courts even stated that they haven't supplied any such information to either of the 3 bureaus. The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial 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 2020-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Hi There, Recently I moved temporarily to XXXX with my family. We moved because my business was mostly shut down due to Covid restrictions. Before moving I notified Chase that my new mailing address was in XXXX but my business was still operating as I was working remotely until there is a vaccine and I can once again travel back to California. 

Without warning Chase completely froze and canceled my account. I had {$80000.00} of money in my account and they said they sent me a check!!!! AN {$80000.00} check in the mail!!!!!!! I can't pay my assistant because that is the account that I use for payroll. I have always had a high balance in my account and never had any defaults. I have been a loyal Chase customer. I can not understand what triggered this. Please help. I no longer have an account where I can get paid. This is very troubling.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: FL

Complaint narrative:
Lease from XX/XX/XXXX to XX/XX/XXXX Needed to move out due to the Pandemic. 
Provided required notice to complex XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Paid all rent. 
They Charged additional month and fees after move out. 
I have been unemployed since XX/XX/XXXX and never delinquent with my bills. 
They are reporting to my credit score and tanking it. 
They are additionally charging interest.

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 2020-12-01 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Mortgage Research Center, LLC
State: IL

Complaint narrative:
I responded to an advertisement from Mortgage Research Center , LLC, aka, XXXX XXXX XXXX ; aka : XXXX XXXX XXXX to refinance my VA home Loan under the Veterans Streamline Refinance Program. 

I was required and consented this lender to pull my credit report to determine eligibility. I needed a XXXX score of XXXX to qualify for the refinance. I was fully aware of my scores and did not expect a problem. However, this lender rejected my application r stating my FICO scores were to low, they said my report showed my XXXX score : XXXX ; XXXX : XXXX and XXXX : XXXX. However, when I accessed my credit file and checked my scores they were : XXXX : XXXX : XXXX : XXXX and XXXX : XXXX. When I shared this fact with this lender, I they informed me that the scores I receive are scores for " consumers '' and their scores are " mortgage scores ''. I am confused because I have been unsuccessful in obtaining information for the credit agencies to substantiate a " mortgage XXXX score ''. 

This situation seems unfair, unfortunate and has caused me much anxiety because I am not sure if I should pursue another lender to complete my much desired mortgage refinance. 

My question : Does credit reporting agencies provide different/separate XXXX scores to lenders that determine credit worthiness of borrowers that are unavailable to borrowers?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
On XX/XX/2020, MIDLAND FUNDING LLC add a derogatory mark on my credit report per XXXX, XXXX and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MIDLAND FUNDING LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Universal Capital Services, Inc.
State: FL

Complaint narrative:
My husband and I started the refinance process in XXXX of this year, XXXX. We own a property that has a private mortgage with a balloon payment end of XXXX. We have to refinance or come up with about $ XXXX. The company, US Mortgage Line connected us with XXXX XXXX. 
We received our first list of approval contingencies on XX/XX/XXXX and it asked for the basic items ( signed forms, W2, DL/SS cards, Tax returns, Letter of explanation, Mortgage Statement, bank statements ) .. we provided everything as soon as requested. 
The contact at XXXX XXXX, XXXX XXXX, kept telling us we were good to go, kept giving closing dates, and then the dates would pass. XX/XX/XXXX he suddenly requested documentation or spreadsheets showing 12 months of satisfactory payments. My attorney provided him verification the mortgage is in good standing and has been in good standing. Still, no closing has happened. 
There is no reason for us to get pushed around by this company. We have always responded with the information and documentation requested. We have signed at minimum 5 sets of closing disclosures in preparation for a supposed imminent closing. But still, no closing. The last time I spoke to the company, XXXX 's boss told me I was XXXX for not making payments when XXXX specifically told me to wait since we were closing. 
Our credit scores are in the XXXX, our DTI ( not including all available income ) is 40.67 %, LTV with the recent appraised value is only 68 %. We are in good standing with the private mortgage company and do not deserve this kind of treatment. 
We are in the process of applying at another lender, but felt it was important to report our experience with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: CA

Complaint narrative:
These accounts are erroneous and imprecise for I have not remembered having these accounts. Also, the information provided on some accounts are different from other bureaus and I know that they are inaccurate and the reported payment history on some accounts are questionable to me. Also having a hard time getting the bureaus to process my disputes.

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 2020-12-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My mother was approved from a home loan in XX/XX/XXXX. 

1. The original loan documents were incorrect with the wrong interest rates and amounts. 
2. Loan adjusted during the XXXX Mortgage crisis when they were trying to refinance and payment went from : Org Payment : {$1900.00} monthly Adjusted Payment : {$4400.00} monthly ... 

Org Principal Balance : {$260000.00} Adjusted Rate Principal Balance : {$390000.00} Current Principal Balance XXXX : {$270000.00} 2 years interest : {$63000.00} 2 years escrow balance : {>= $1,000,000} Recoverable balance : {$3500.00} Less Credits {$650.00} Adjusted Rate Principal Balance : {$390000.00} 3. JP Morgan Chase was supposed to adjust the loan terms base on the XXXX Mortgage Crisis with the Making Homes Affordable Modification. Not only was the principal balance was INCORRECT but the additional fees added to the loan were INCORRECT. 
4. JP Morgan Chase REFUSED to correct the matter and sold the Loan off to XXXX which is now XXXX XXXX. 

Mother has been trying to get this corrected with JP Morgan Chase, XXXX, aka XXXX XXXX for over 13 years with no resolved. The Ombudsman Office aka Office of the President at JP Morgan Chase, XXXX, aka XXXX XXXX are continuing to play games after several attempts with certified mail, phone calls, and escalation teams submitting official documents showing the ERRORS. ALL HAVE REFUSED TO GET IT CORRECTED. 

PLEASE, ASSIST ASAP. THANK YOU FOR YOUR HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for a Home equity loan with Regions bank. I provided sufficient income, employment history and credit docs required 2 months ago. I also included a letter explaining my decrease in income for XXXX. I got no communication from the loan officer other than initiated by myself. After waiting for status update, I was informed verbally only that my application had been declined for excessive debt to income. My annual income for XXXX is over {$90000.00}, my debt is less than {$1300.00}. Per month, credit score requirements were met. My debt to income is well below the XXXX XXXX XXXX XXXX threshold. The underwriter, never conditioned for more income documentation or an. The explanation the underwriter calculated a 90 day year to date pay stub over a 12 month period, i had recently changed jobs and was stated in my application. The ban underwriter never completed a verification of employment from my prior employer for the remainder year to date income amount. My debt to income is less than 6 %, guideline max debt to income is 41 %, no reason for decline. Now thy want me to reapply, pull another credit report that will affect my credit scores and yet the original credit report is valid for 120 days from application date. This is wrong. I was denied credit based in their lack of due diligence and following income calculation protocol and not giving me the consumer the opportunity to have them realize their error. I meet all guidelines for an approval for the application. I am being denied erroneously. I have tried for the past month to speak with someone in management and yes, they admitted the error was on their part in writing but still failed to correct the problem with out affecting my credit and also being out of compliance for adverse action notification to the consumer.. Please advise.

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 2020-12-01 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:
I have reviewed my credit report and I believe the following information Is not reporting accurately. Please investigate and verify the following information. I do not recognize the account names and account numbers in the credit report and I am very distressed that I have inaccurate accounts and inquiries.

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 2020-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm having a hard time getting the credit bureaus to process my paperwork. Every time i call and ask if they have received my information that i've mailed, they tell me no.

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 2020-12-01 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2020-12-01 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2020-12-01 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:
These accounts are erroneous and imprecise for I have not remembered having these accounts. Also, the information provided on some accounts are different from other bureaus and I know that they are inaccurate and the reported payment history on some accounts are questionable to me. Also having a hard time getting the bureaus to process my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These accounts are erroneous and imprecise for I have not remembered having these accounts. Also, the information provided on some accounts are different from other bureaus and I know that they are inaccurate and the reported payment history on some accounts are questionable to me. Also having a hard time getting the bureaus to process my disputes.

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 2020-12-01 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: CL Holdings LLC
State: VA

Complaint narrative:
On XXXX XXXX, 2020, JEFFERSON CAPITAL SYSTEM add a derogatory mark on my credit report per XXXX, XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JEFFERSON CAPITAL SYSTEM has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation