vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
In the Fall of XXXX, I received a letter from NewRez Mortgage / Shellpoint Mortgage Servicing in the Fall of XXXX indicating that I do not have home insurance and I will begin to pay for the lender-placed policy. I followed the instructions they sent to upload my policy information. 

In XX/XX/XXXX, I received a letter notifying me of my new payment amount because escrow is being set up on my behalf although I have always paid my own taxes and insurance. I sent an email to NewRez on XX/XX/XXXX reminding them that I pay my own taxes and insurance and to please update my account. 

In XX/XX/XXXX, I received a letter stating that my payment was past due. I called on XX/XX/XXXX and explained my situation to the rep. He acknowledged that he sees on my account that I am and have always been current with my payments and he saw that I pay my own taxes and insurance. He assured me that he would get the records corrected so that I would no longer receive these letters. 

On XX/XX/XXXX, I received a letter about my missed payments and the credit bureaus have been notified about my late payments. A hardship package was also enclosed. I checked my bank account to confirm that my last few payments went out. I tried contacting the mortgage company but have not been able to get through due to " high volume of calls due to Covid-19 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have no idea why Chase keep on rejecting my credit card applications for no good reasons. I have a credit score of XXXX and never been a single late payment. I had this offer for XXXX XXXX credit card with {$70.00} cash back via gift card. I Applied but rejected by Chase. 
Reached out to Chase multiple times - calls are getting dropped. they sent some online letter but i have no idea how to access it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: GA

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 
The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 
In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX 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 explanation
Consumer complaint received 2020-04-22 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: GA

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 
The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 
In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX 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 explanation
Consumer complaint received 2020-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX sold my loan and it is showing on my report that it is an open loan I have contacted them twice to remove it and they have not. It is stopping me from trying to refinance

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 2020-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
On XXXX, XXXX I called the XXXX XXXX XXXX to let them know that Transunion had deleted all of my payment information. I had a score of XXXX and by them deleting my information they have ruined my score. Transunion is stating that XXXX XXXX XXXX XXXX did not respond to a dispute and I was provided a date and time of a response which was within the 30 day window the credit bureaus allow. 

I did not give Transunion permission to remove my credit history only to update my information. I would like the company reviewed at all cost.

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 2020-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
I am having a hard time due to the coronavirus pandemic my hours have been cut which caused me to fall back on payments for rent and car. I have explained to Bridgecrest what was going on I keep getting harassing phone calls looking for money that I dont have And its very irritating Im trying my best to do what I can but this company is very unhelpful during this time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FBC MORTGAGE, LLC
State: GA

Complaint narrative:
FBC has ran hard inquiries on me without my consent, I did not give them a release to do so. I have contacted them several times about removing the information and it is still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Homestead Designation Services
State: TX

Complaint narrative:
I keep getting these deceptive letters from Homestead Designation Services asking me to pay money. 

The letter is official looking and they will not stop sending me mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Company promised to defer my payments for 180 days ( I have the call recorded ) with no negative impact on my credit, and that they would just move the payments to the end of the loan, I was able to make a payment anyway, but they put my account in " loss mitigation status '' without my consent this is going to ruin my credit and is not what we they promised or what they are required to do as directed by HUD and the federal government.

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 2020-04-22 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:
Accounts and Inquires on my credit report I have NO KNOWLEDGE OF.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
I told them to stop calling the very first time they called me at work. Now they ( I can tell it is the same voice ) are calling me from a restricted number. I did not even know anything about the account they are claiming is mine. It would not let me download an audio file. Please watch the videos on XXXX of the images I have attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
My servicer, Loan Care, claims they have not received my XXXX payment. I sent them a letter and also attached bank statement showing the funds leaving my account. The letter was sent XX/XX/2020 and I have yet to hear anything from them. See letter below. 

XX/XX/2020 To whom it may concern, RE : Loan Number XXXX When I received my XX/XX/2020 mortgage statement the payment due did not deduct the payment that left my XXXX account on XX/XX/2020. When I called the servicer on the phone on XX/XX/2020 they said they never received that payment and that I should make a payment over the phone to avoid being reported to the credit agencies so I made a telephone payment for {$2500.00}. I would like the 3 payments that I made below all applied to my outstanding mortgage. 
XX/XX/2020 for XX/XX/XXXX - {$2500.00} XX/XX/2020 telephone pmt in order to avoid credit score problems - {$2500.00} XX/XX/2020 for XX/XX/XXXX - {$2500.00} I would like the extra payment I made over the telephone to be returned to me at my address below. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email XXXX Cell Phone 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 2020-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
on XX/XX/2020 I went to the post office and got a money order for XXXX dollar. On the negotiable instrument I put the completed amount in accordance satisfaction upon redeeming the instrument. Due to the state of emergeny for Covid-19 I'm currently unemployed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all ftc violations XX/XX/XXXX - In XXXX of XXXX, XXXX announced a data breach that exposed the personal information of 147 million people. The company has

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 2020-04-22 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: PNC Bank N.A.
State: MD

Complaint narrative:
PNC receives my mortgage payment every month, but sometimes it has been late. I have attempted to get the due date changed by PNC, and PNC has refused to change it. Now it has put an inaccurate balance of more than XXXX on my credit report for late fees. Again, my mortgage is paid every month and PNC is simply refusing to work with me to change the due date and now it is purposely trying to ruin my credit. Indeed, during the 2019 Federal Shutdown, PNC refused to work with me on paying the mortgage late even though I was not receiving a salary and the Federal Government guidance was to forego late fees and not to implicate my credit reports. PNC ignored Federal guidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I refinaned a mortgage I had with PHH Mortgage. I was approved by XXXX XX/XX/20 and all the paperwork went through and was finalized the following week. PHH was to return escrow to me of {$1600.00}. As of today, I have not received it. 
After realizing around the end of XXXX that the refund might come in both mine and my deceased husband 's names, I call PHH as what to do. I was instructed to send them a copy of the death certificate and that if the check goes out in both names a stop payment will be made and a new one issued. Should take about 20 business days. 
I received check dated XX/XX/20 in both names. So, I waited a couple weeks and nothing. I called PHH back on XX/XX/20 to see what's the hold up and was told they have the copy of death certificate and she would put in for new check. Still no check on XX/XX/20, so I called again rather irate and was transferred to an aescalation manager. I was then instructed to fax a copy of the XX/XX/20 check and that is the policy. Why wasn't I told this back in XXXX? I don't have access to a fax machine, so they said I could scan it. 
From then up until Thursday last week I've been receiving so called " updates '' that the check has been approved and being mailed to me. 
I checked Informed Delivery on USPS website and as of this email, no check. 
I feel they're keeping my money as long as they can get away with. There must be laws as to when escrow money has to be returned. Also, after 3 months shouldn't they be paying me interest on my money. 
Please advise. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX has ran hard inquiries on me without my consent, I did not give them a release to do so. I have contacted them several times about removing the information and it is still on my report.

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 2020-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: KEYCORP
State: CA

Complaint narrative:
On XX/XX/2020 I patronized a XXXX property that utilizes XXXX XXXX XXXX as a payment processor. I noticed that the merchant charged {$550.00} for charges that were already pending from XX/XX/XXXX. The merchant indicated that the charge could not be voided because it was transacted on XX/XX/2020 unbeknownst to me. There are pending authorizations from XX/XX/XXXX that have not cleared the account. I asked the merchant if these were finalized and the manager indicated that he had no way of knowing if they were and also that XXXX XXXX services refused to remove authorizations despite the merchant being paid. This has been a constant issue. There is another authorization that is currently pending from XXXX XXXX XXXX XXXX XXXX in the amount o f {$150.00} from XX/XX/2020 resulting in a hardship for my family during the pandemic. I ask that the Federal Reserve and other regulatory authorities look into these procedures, because this seems to be an issue with batch processing of transactions. The merchant in essence has created a new charge and been paid for it while having authorizations pending on a consumer 's account. The total pending authorizations are well over 20 days and total {$930.00}. Please review this as soon as possible as this a situation that can be concluded quickly. Thank yo u for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: Utah Billing & Recovery Services
State: UT

Complaint narrative:
Utah Billing & Recovery is reporting an outrageous & erroneous debt on my credit file that I do not owe. This debt was {$300.00} and now it's reporting a debt of almost {$6000.00}. This is erroneous! I don't understand where this balance came from and it needs to be removed off my credit report. I do not owe this debt and I will be seeking an attorney if this is not fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX  all ftc violations XX/XX/XXXX - In XXXX of XXXX, XXXX  announced a data breach that exposed the personal information of 147 million people. The company has

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 2020-04-22 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: LEXISNEXIS
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all ftc violations XX/XX/XXXX - In XXXX of XXXX, XXXX announced a data breach that exposed the personal information of 147 million people. The company has

Company response to consumer: Closed with explanation