vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC
State: VA

Complaint narrative:
My loan was acquired XX/XX/XXXX by Gregory Funding LLC. Even after receiving Letter of Authorization from my Bankruptcy Attorney ( XXXX XXXX ), The servicer has failed to provide me with detailed information regarding my loan- making it unclear where I stand. After excessive hold times and an escalated call back from a Bankruptcy Representative today, the servicer stated that they are unable to provide me with these two basic requests : -What months am I currently due for? ( In other words, if I make a payment today to your company OUTSIDE OF MY BANKRUPTCY AGREEMENT/POST PETITION PAYMENTS what month will my payment be applied to ) -What is the total delinquency amount? 

The reasons I am requesting this information are as follows : I am currently under review for mortgage payment assistance with the Virginia Mortgage Relief Program and they are in need of detailed information regarding my delinquency that I have been unable to provide due to the incompetency of my current mortgage servicer. My application has been opened since XX/XX/XXXX. 

My intention is also to begin making payments directly to the servicer to pay down the arrearages quicker in the event that I am denied for the XXXX however, I am disputing the total delinquency amount and would like a breakdown of payments due prior to doing so. 

On the call today with representative 'XXXX  XXXX in the Bankruptcy Department XXXX She stammered and stuttered through the reasons she was unable to provide assistance with my requests. On the first 34 minute call ( XXXX XXXX XXXX  ) I was advised that the information could not be provided to me due to the active bankruptcy ... although she acknowledged receipt of executed Authorization from my attorney. On the second outbound 37 minute call ( XXXX XXXX XXXX ) she advised the reason she could not provide the information because the Post Petition Plan was not currently in effect. She argued that the reason that they can not view or obtain the information ( months currently due ), was because the bankruptcy protects the account from Foreclosure. I advised that I am aware of the Bankruptcy Protection Act, however the mortgage servicer should still be able to provide an explanation of arrearages. 

She offered to send out a contractual reinstatement letter but did not seem confident that the letter would provide the information requested. 

I am disputing the total delinquency amount and I am requesting that all arrearages for which can not be explained be forgiven. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing in reference to my credit card and the three late payments from XXXX, XXXX and XXXX of XXXX that are on my credit report. Also, the reduction of my credit limit causing my excellent credit score to plummet. I opened this account in XXXX, and I really loved Chase prior to this inhumane dealing. It was my first credit card and has been my only to this day. For my first credit card, I have always done very well with it. It helped me to build a XXXX credit score prior to the end of last year. Last year I fell into a XXXX due to the pandemic and financial hardships from this plague. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It was a tough time, and my first time being XXXX. I am asking that you please remove these three late payments as a goodwill adjustment due to my proven responsibility with my card prior to the late payments due to the pandemic, and due to me currently being in good standing. I also request for my {$4000.00} credit limit to be restored back to my card. I have tried speaking with J P Morgan Chase Bank several times, around 8 times, and they have not been able to assist me. They have just said that they can remove late fees. I dont care about that, I care about my credit score that has been ruined due to this, and Chase having no assistance to me, but just lowered my credit limit to make things worse for me. 

I just found out that there was a 6-month deferred payment program during the pandemic that was never offered to me, and I was told that I wasn't eligible for it a few days ago. I am saddened and dont understand how someone who has been a loyal customer for years that has been in good standing the entire time wasnt eligible for assistance. A program where you helped customers for 6 months, and I only needed 3.

I am better now, and I have noticed that it is going to take a long time to get back to the XXXX credit score that I had prior to these late payments and credit limit reduction. As of earlier this week, I was hit with a {$350.00} increase in rent, and I now need to move out. I cant get approved at a new place with the credit score that I currently have. I have never been in this place in my life where I am afraid if I will have a place to live just because I cant get approved due to credit. I have always had good credit since opening this account. I ask that you take my history as being a loyal Chase customer that has always been in good standing prior to this pandemic into consideration, and provide me with assistance. I am back on track with my payments, and ask that you please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: CITIBANK, N.A.
State: ME

Complaint narrative:
I was contacted by a person representing himself as an attorney soliciting his services to get me out of credit card debt. XXXX XXXX XXXX charged my Sears XXXX XXXX for fees. I disputed with credit card company and the charges were removed. XXXX then sent a credit card authorization form to XXXX and forged my signature on the form. The credit card company put the charges back on my account and informed me they reversed the previous credit as they were not contacted in timely manner no recourse available to recover the funds

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 2022-04-01 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
*I am a Victim of Fraud/identity theft *Accounts were open under my name, I have been able to dispute some and some have been deleted by the actual creditor. ( one of them being XXXX ) XXXX XXXX XXXX : {$860.00} Date Open XX/XX/XXXX ( never opened an account with this company ( XXXX Has deleted this account, but XXXX and XXXX have not ) XXXX {$600.00} Date Open XX/XX/XXXX I have sent a 1099-c to the credit Bureau and nothing has been resolved XXXX this account was open XX/XX/XXXX this account is not mine but I PAID FOR DELETION and still shows ( XXXX and XXXX show I have an available balance of {$600.00} and {$1000.00} with {$0.00} balance but at the sametime it show a neg derogatory XXXX XXXX a copy of a letter has been sent from XXXX stating I was never late yet still shows I missed 1 payment on XXXX of XXXX LVNV FUNDING LLC open as identity theft XXXX and XXXX have removed still on XXXX XXXX XXXX, XXXX open as identity theft XXXX and XXXX have removed still on XXXX Inquiries XXXX from XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I redeemed my credit card points for a virtual gift card on XX/XX/XXXX. The points were deducted from my account and I received an email confirmation that my order had been received and should be processed immediately or at longest I may need to wait 48 hours to receive my gift card. I never received my gift card. I called Chase on XX/XX/XXXX when I did not receive my gift card, they claimed they would escalate my inquiry and respond with an email in two days. I never received a response. I called Chase again on XX/XX/XXXX when I again had not received a response to my inquiry and had still not received my reward. I was told to wait just a couple days longer and that I would receive my gift card within two days and would receive an email response to my inquiry. I have still not received my gift card, nor I have been contacted in any way by Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
On XX/XX/2022, at XXXX, I received an email from Wells Fargo XXXX under the email address, XXXX. My email address is XXXX. This email message notified me that their was an application for a Wells Fargo Everyday Checking account on XX/XX/2022, submitted under my name XXXX XXXX. This application reference number is XXXX. I then received an email message from Wells Fargo, under the email address XXXX, on XX/XX/2022, at XXXX, with an access code- XXXX XXXX. A third email immediately followed the second email, and indicated that my application was approved for an account, an account that I did not create. I then received a fourth email, that reminded me to complete my enrollment. The fifth email I received from XXXX stated that my delivery preferences were updated for statements and notices for an account ending in XXXX. The sixth email I received was an email message notifying me that my email address was changed to XXXX. This email message also contained a number to call, XXXX, If you didn't make this request. Since I did not make this request, I called XXXX. This number is owned by Wells Fargo, as stated in the answering machine. After stating the reason for my call was for other reasons. I came in contact with XXXX XXXX XXXX at XXXX, at the Wells Fargo call center in XXXX XXXX XXXX XXXX who refused to help me deal with the unauthorized account access and creation. I then asked XXXX to speak to a supervisor. I was then transferred to XXXX XXXX at the XXXX, Idaho Wells Fargo call center, who also refused to help me. While on the phone with XXXX, I asked to file a complaint against her and XXXX both. She then provided me the complaint number XXXX. I find it absolutely astonishing that no one at Wells Fargo can help me lock my account, or prevent someone from fraudulently accessing my account. I filed a phishing complaint to their phishing email address. I provided them with my social security number, my birthdate, my phone number, my username, my email, the application number sent to my email, and the access code that was sent to my email, and Wells Fargo employees, XXXX and XXXX, both refused to help me. I am reporting this to you to have this fraudulent activity stopped stopped as soon as possible, before all of my personal information and/or financial resources are stolen. Thank you for your time. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX 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 non-monetary relief
Consumer complaint received 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Violated 15 U.S. Code 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LCS FINANCIAL SERVICES CORPORATION
State: CA

Complaint narrative:
This is about an old forgiven and settled mortgages originated in XX/XX/XXXX by XXXX XXXX  XXXX XXXX XXXX In XXXX Owned originated a 1st loan at 80 % and a 2nd loan at 10 %, we put 10 % on this purchase loan. 

XXXX was the first lender seeking federal protection at the very beginning of the market crash. All its assets were purchased by XXXX who in turn later, after going bankrupt, sold them to XXXX  XXXX XXXX. All three companies got bailed out by the government and got billions of dollars in tax breaks. 

In XXXX XXXX  XXXX XXXX, the owner of both loans, in accordance to the " National Settlement Act of the Obama administration '' worked out a Loan Modification on the 1st loan and eliminated/got credit by Federal program the 2nd lien in XXXX with us. 

We were told then by XXXX  XXXX XXXX representative that the 2nd lien was " taken cared of ''. 

Everything was fine until around XXXX when a company by the name of Reliance reached out " claiming ownership of the 2nd lien ''. After presenting evidence of above arrangements with original owner of both liens, XXXX  XXXX XXXX, Reliance proposed a {$3000.00} " settlement '' because a lawsuit may be " costly ''. After their " threatening '' position, we send them the documents requested by them but never heard back from them. 

Now, seven years later, a new company by the name of LCS Financial Services Corp, reached out my Bankruptcy attorney claiming ownership of same 2nd lien. I responded with above facts and evidence and requested a QUALIFIED WRITTEN REQUEST on XX/XX/XXXX. I called them today XX/XX/XXXX and left a message. 

My concern is that these collection companies technique is to delay the process because sooner or later they will collect with their bogus techniques, just like Reliance they have not even acknowledged my correspondence. 

The person I email this request at LCS is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Office : XXXX Direct : XXXX Fax : XXXX Email : XXXX Email : XXXX I would like your assistance to make sure they stop their collection efforts unless they bring the evidence of their claims in a timely manner according to Federal guidelines. 

Please call me at ( XXXX ) XXXX for further information. 

XXXX 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 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Violated 15 U.S. Code 1681

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 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In correspondence with FCRA, XXXX and Transunion have violated my rights w/Account # XXXX alleged company : XXXX 15 usc section 1681 ( 602 ) ( a ) states i have a right to privacy 15 usc 1681 section ( 604 ) ( a ) ( 2 ) consumer agency can not furnish an acct without my written instructions 15 usc 1692f ( 1 ) unfair practices ; thus XXXX has violated my rights as well I have asked several times to remove inaccurate account, please remove

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 2022-04-01 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: NC

Complaint narrative:
This account does not belong to me. This account is fraud. Please delete it immediately. I have never even owned an account with XXXX XXXX. I have included my Identity theft report as requested by Equifax on XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: OR

Complaint narrative:
I got a message that collection had been trying to serve me an I needed to call XXXX and mention case XXXX which I did and I was connected to XXXX XXXX at ext XXXX. He claime he was from XXXX XXXX XXXX in XXXX XXXX and referenced an old credit card debt, card number XXXX with an amount owed of XXXX and wanted me to pay or else he was going to file a judgement suit against me in my area for breach of contract. He then offered a settlement of XXXX which I told him I had no money Im fully XXXX. He then tried to get me to name an amount so I told him XXXX, I can pay nothing. He then told me he would be filing the case cause I disrespected him by offering XXXX payment. The call ended. I called him hours later and requested debt verification and last payment date an he said it would all be in the packet he was sending but it might be awhile. The call ended. I have since checked california XXXX XXXX and they never heard of him and neither has oregon XXXX XXXX. I XXXX  his number and there are a few similar complaints, I have found out my card was closed in XXXX  and debt sold several times. I havent made a payment since before the account was closed. There is nothing about it on my credit report, but the acct was my card.I have tried calling us bank several times and their collection department to get info. The first time they told me it was sold in XXXX  and gave me a name of the buyer who is now out of business. They would not give me anything else and if I call they just put me on hold and leave me there till I hang up. Everything I could find online tells me it is a time barred debt and is past the statute of limitations and is not on my credit report which would make it illegal for them to try to prosecute me for it.

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 2022-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
We paid off our mortgage and the mortgage company never sent any paperwork or anything to us or our city or the credit bureau.We paid it off XX/XX/2021. We paid with a cashiers check XXXX my complaint number is XXXX the company is Nation star- Mr Cooper

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Penn Credit Corporation
State: PA

Complaint narrative:
I received the debt collection notice in XXXX but this matter has been going on since XXXX and could be years before that without my knowledge Company directed me to file a complaint with FTC per my personal information and identity being stolen, used to create two separate utility bills in my name in a different state. Amounts equal to {$800.00} company can not help until confirmation number is given by you and faxed to them to then create police report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As a lawful consumer Ive been violated of my rights due to the fact the consumer reporting agency and/or data furnisher of the company attached to this complaint is not reporting 100 % accuracy across my credit file. I have attached photo proof of the inaccuracies I mus add in detail that on this photo I've circled in yellow months that this company hasn't reported no data to bureaus and payments was made on-time and paid as agreed. Thats a perfect example of how unaccurate the data-furnished could be! I've also mark with a red X the late payments this company is also reporting that are also unaccurate and I am aware the creditor must report 100 % maximum accuracy or information shall be modified.

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 2022-04-01 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I submitted a dispute letter dated XX/XX/2022. It is now XX/XX/2022 and there has been no response. According to the FCRA, if there is no response from a creditor within 30 days of dispute, items must be removed

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 2022-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express is in our opinion a den of thieves. For example see the attached " response letter '' which was sent to CFPB in response to our complaint that we provided them all the documentary evidence ( also attached ) that they need to reverse their cardholder XXXX XXXX XXXX 's credit card charge back of {$5000.00}, back to us, in our favor. Please help us cut through AMEX 's modern day highway robbery and return our duly earned legal fee based on the duly signed contract and itemized billing invoice sent to the customer.

Company response to consumer: Closed with explanation