vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-15 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: FL

Complaint narrative:
INFORMATION ON MY REPORT WAS NOT VERIFIED ACCURATE I CONTACTED THE COURT AND THEY STATED THEY DO NOT REPORT TO ANY CREDIT BUREAUS the claim that XXXX XXXX XXXX XXXX and or public records verified the account they are reporting is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
To Whom it may concern, My complaint/dispute is described in the attached document XXXX XXXX XXXX XXXX  ( XXXX  ) was the free seminar which I attended in XX/XX/XXXX where I bought a 3 day workshop for {$990.00}. This workshop wasnt valuable and they did not allow us to document what they are teaching on the whiteboard, by taking pictures or other means. 

I already filed the dispute on XXXX XXXX  and waiting for their reply. 



After the 3 days, they pushed indecently for us to buy their program for {$24000.00} by promising us to get help until we get our investments back. Upon telling them I dont have this money, they said they will assign me with this company ( XXXX XXXX  ) to call different credit card companies and obtain the needed funds. I found out later that their real name is XXXX  XXXX. I paid {$3500.00} to this company as well. I was not given any time to read the contract. It was just one piece of the disclaimer, Please see attached. 
So I purchased the program through Chase credit card. 

After trying to launch my product with their poor advice and I failing, I had spent another {$5000.00} worth of expenses. They did not have any system in place not did their coaches have any knowledge. They did not render their services. 

They only refunded me {$5000.00} after a year, even though I had to pay a 14 % interest rate on the loan. 

So, I paid about {$30000.00}, did not make any money, am facing a big debt and cant even move forward with my business. 

I have all the documents along with further proof for your convenience. 

This company was shut down by the Federal Trade Commission for fraudulent practices. and it is no longer in business. 



I found out later that there were hundreds of complaints on XXXX XXXX XXXX against them. 



We was informed by the government ( FTC ) on XX/XX/XXXX that they shut down XXXX and there is a law suit against them. 



I am attaching the FTC website that advised us to call the credit card company to request a refund. 

Please see the attached paper. 

Also, please see the receipt of the payment and the statement. 

Thanks for your help XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Guild Holdings Company
State: MA

Complaint narrative:
Facing Extreme hardship, made difficult to get a job, and difficult to stay in my house in a large scheme of domestic XXXX. 
Guild Mortgage have participated in at least 4 ways : 1-processing a XX/XX/XXXX payment about 7 days later, sequenced in a way to cause insufficient payment. 
2-Not record some payments in its early calculation of what was due.

3-At the end of XXXX conduct a loan modification at the same time as a scheduled foreclosure sale leading me to exhaust all my possibilities of avoiding foreclosure. 
4- Associate my ownership with an unknown second person who is the apparent beneficiary of the collective action of XXXX on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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:
I found out my identity had been compromised because my wallet was stolen from the store. I didn't take the proper measures afterward, I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never opened. I then started to investigate and pulled my credit to check what all had been opened. There are way too many fraudulent accounts opened that I am not familiar with and a outrageous amount of inquiries that not all I was able to list on here. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$540.00} XXXX  XXXX {$450.00} XXXX AR XXXX {$590.00}

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 2020-04-15 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:
I found out my identity had been compromised because my wallet was stolen from the store. I didn't take the proper measures afterward, I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never opened. I then started to investigate and pulled my credit to check what all had been opened. There are way too many fraudulent accounts opened that I am not familiar with and a outrageous amount of inquiries that not all I was able to list on here. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$540.00} XXXX XXXX {$450.00} XXXX AR XXXX {$590.00}

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 2020-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$250.00} XXXX   XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Please CFPB can you send the following documents to XXXX XXXX. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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 just reviewed my credit report and noticed errors on my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
I have had a mortgage loan with Ocwen/PHH for several years and in XXXX of 2020 decided to refinance due to lower interest rates and better loan terms. The loan was a modification and was an interest only. The loan amount owed is {$590000.00}, therefore, a jumbo loan. The monthly payment was {$2700.00} which included taxes and insurance. The title company, XXXX XXXX wired {$600000.00} to Ocwen/PHH on XX/XX/2020 and escrow closed on XX/XX/2020. However, I was advised by XXXX XXXX in XXXX, AZ ( Escrow officer on XX/XX/2020 ) that the funds had been rejected and returned by wire transfer from Ocwen/PHH due to the property tax shortage. They held {$600000.00} for 14 days and did not alert me, the title company or my mortgage broker. Now they are saying that I owe them {$1200.00} and some change in interest because of the so-called shortage. The tax impound amount was wired to Ocwen/PHH along with the payoff and confirmed receipt by the title company on XX/XX/2020. They ( Ocwen/PHH ) have yet to request the return of the payoff and now I have two huge mortgages outstanding as the {$600000.00} was sent back to the title company and the new loan payment from the new lender is due on XX/XX/2020. Why did they hold the payoff, {$600000.00} for 14 days and did not advise anyone of their error until XX/XX/2020. They have not reconciled this situation as yet and I feel as though there may be some underlying reasons for this. In the meantime, my credit rating is in jeopardy and still show that I have two mortgages as the title company is in possession of the {$600000.00}. Please investigate this as something is appears to be seriously wrong. I am a senior citizen and certainly can not afford to be the victim of their wrongdoing and/or error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Finance of America Holdings LLC
State: MD

Complaint narrative:
I wanted to report this suspicious lender I found via XXXX. They have XXXX star rating in XXXX and it looks like they didn't post my XXXX Star review. 

Story : I found the lender named XXXX from XXXX and though it was legit lender to get my VA XXXX loan refinanced. They offered me 0.75 % Interest rate while my current interest rates are XXXX. I did not know about the 0.5 % IRRRL rule until my current lender XXXX called me and told me about it. By this time, I had already completed application, me and my wife 's credit was run and I had already submitted all the documentation to this lender named XXXX XXXX. After I found out about the 0.5 % rule, I asked him why he locked me at 2.75 % rate while its not at least 0.5 % less than my existing rate and how was he going to get this approved from VA, his answer was " His system was showing everything fine and our credit was good enough to bring the rate to XXXX if necessary ''. I asked him if he can lock my rate at XXXX, he said he couldn't. 

Moral : He knew that this was not going to get approved before I even put the application and he didn't tell me. 

Please make other veterans aware of the lenders like this and don't process anything that comes from this lender for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I was a student at XXXX XXXX XXXX. In 2016, Massachusetts Attorney General XXXX XXXX sued XXXX XXXX XXXX for allegedly " misleading and harassing students. On XX/XX/2016, XXXX XXXX ceased operations and closed all of its locations, issuing a statement that attributed the closing to the Department of Education 's actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: GA

Complaint narrative:
I'm a victim of identity theft, and Experian does not investigate my claims properly and they disregard the credit law that falls under identity theft. They make they own rules as they go depending on who you're dealing with.

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 2020-04-15 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:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$250.00} XXXX   XXXX {$2000.00}

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 2020-04-15 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:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$250.00} XXXX   XXXX {$2000.00}

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 2020-04-15 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient is robocalling us XXXX times a day now since the Shelter In Place. We are Seniors. We have no loans. Their IDd number is XXXX. Please make them stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: LoanCare, LLC
State: NJ

Complaint narrative:
Our mortgage service provider has not been reporting our on-time payments on our existing mortgage account and is reporting this account as " discharged through chap. XXXX bankruptcy '' instead of reporting it " paid as agreed ''. Two separate disputes were filed with XXXX  and they refuse to correct the reporting.

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 2020-04-15 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:
I just reviewed my credit report and noticed errors on my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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 just reviewed my credit report and noticed errors on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was trying to check my credit score and went to TransUnion 's site. It asked me to create a profile and asked for my credit card information. I assumed this was to check my credit score. Once I created an account, I was automatically billed for {$26.00} and signed up for a subscription service. I had no indication I was signing up to pay for anything. I feel as though I have been scammed. I have cancelled the subscription and can not find out how to get my {$26.00} refunded.

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
Consumer complaint received 2020-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$7500.00} XXXX XXXX  XXXX {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/2020 I applied for PPP with respect to a small sole proprietorship I own. Since I did not have a business banking relationship PNC would not allow me to apply. They said that because I run my business through a personal bank account ( to avoid monthly fees ), I couldn't submit my application online and that they would follow up with an application procedure. 

This PPP program in the CARES Act was specifically intended to include sole proprietors and independent contractors. 

PNC never sent me a link to the application for self-employed persons. They never notified me that my application would not be accepted. The only thing that happened was on XX/XX/XXXX they posted a note to their website indicating that if an application wasn't submitted by XX/XX/XXXX would not be funded. 

This was fraud and discriminatory behavior. They discriminated against small business and minority  business owners who are less likely to have business bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-04-15 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-04-15 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo was advertising 2.66 % fixed APR refinance rate on the Internet through XXXX search. They asked very extensive questions about my credit history and property. I owe $ XXXX on a $ XXXX home ( 1st and small 2nd mortgage ). I wanted to consolidate and shorten my term. I currently have 3.25 %. My husband and I both have excellent credit ratings. XXXX! NEVER miss a payment. We have ZERO in credit card debt. Two minor car loans and mortgage. We have over $ XXXX in our retirement, accounts and $ XXXX in our bank accounts. Sound like the perfect couple to write a mortgage for? We are. 

So after I give all this personal info AND they run a credit check ( hurting my credit rating ), they came back with an offer of 3.2 %. Seriously? 

I asked if you can't give me that low rate exactly who gets it. hem, haw, hem, haw manager gets on phone and gives me a line of XXXX. I ask, how many loans did you and the rep I just spoke to personally make this week at 2.66 %? None. Well how about in the past month? None. So this is a bait and switch scam? Oh no no no. More BS. If you have a second mortage you didn't take out with the first, the rate is higher. Well that's absurd because the bank will not make a 2nd mortgage loan the day the first is written. They aren't allowed. So again, it means that no one gets that rate. Which was confirmed that the 2 people I talked to never gave that rate. So it's bull. If my husband and I, with our credit rating, savings, and track record, do not get this rate, no one does. 

Wells Fargo is a sleazy business. They should have been put out when they got caught cheating before. Do something. It's time for big money banks to be held accountable.

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 2020-04-15 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: WI

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation