vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-24 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XX/XX/XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XX/XX/XXXX breach as well.

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 2019-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
This home is a part of an Estate, the loan is serviced by Ocwen Loan servicing. 
After the death of the owner XXXX XXXX XXXX, XXXX XXXX, XXXX. The grandson after there were other Administrators, became the responsible person for this loan and has worked with Ocwen and made payments to Ocwen Loan servicing for XXXX XXXX XXXX, XXXX, NY XXXX. XXXX XXXX XXXX made the payments on the first modification dated XX/XX/XXXX ... All payments were made and they returned the payment that was sent by XXXX XXXX and then offered another modification on XX/XX/XXXX after they returned one of the payments from the first modification. They kept all of the other payments. No one knows what they have done with all of those payments. 
We have tried to talk to PHH that is now servicing the loan, they don't want to hear anything. They claimed they sent correspondence to an address that has nothing to do with this loan. 
When we tried to apply for help, first they told us to send in a loan modification package with all of the proofs we did, then after we sent in everything they told us the loan had to be assumed. We had to fill out the Application Identification Certificate, then we had To fill out the Family Transfer Package, Then we had to send The newly executed Deed and a picture with the date of birth. We went though all of that to be changed to PHH, where they absolutely do not try and help they had no knowledge of all that had been done and they really don't care. We have asked for supervisors or someone that we could talk to about this Loan no one has helped. There is a sale date for this home on XX/XX/XXXX. Please help, no one was notified about the sale, we found out about the sale from people coming by the house. 
After the transfer from Ocwen to PHH, every time we called there was an issue, the file had not been ported to the new system, then they told us that the account had a new new with PHH, we had to wait from the time the loan was c hanged to PHH an Ocwen company until XX/XX/XXXX before anyone to speak to us and the loan number was the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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: NJ

Complaint narrative:
I have been trying since early XX/XX/2019 to remove all open disputes and remarks from my credit file. Just last week experian said it was done. I then called XXXX days later to confirm and was told yes it was complete. I gave permission for the mortgage company to run my credit only to find that the disputes are still there along with remarks. 

Of course my score is now dinged with an inquiry which would be fine if this hasnt been a cycle of more than XXXX days. It is nearing XXXX. This is absurd that a company can make the same mistake and punish the consumer by dropping their score. 

Its inhuman and should be illegal.

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 2019-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
In XXXX of last year, I opened a PayPal credit account with a credit limit of {$1000.00} dollars. I charged {$390.00} to this account. Every time I would try to make a payment, PayPal would freeze up on accepting my bank information ( I bank with a small credit union ) and it would show the linking bank loading screen for about a half hour. PayPal did not accept debt card payments, only linked bank accounts. I went through huge hassles trying to make payments on this, sending money to friends and having them PayPal me money so it would be in my PayPal account so I could then transfer it to my credit account to make a payment. During the time I am trying to figure out how to pay it, PayPal is racking me up with late fees. I called PayPal about this and described exactly the issue and asked them to remove the late fees, as I was never informed when I opened this account that I would have absolutely no feasible way to make payments on it without jumping through extreme hoops. They agreed to drop the late fees and I made a payment via phone for the remaining balance that owed ( minus the fees ) on the account.

Synchrony Bank now handles PayPal credit debt and they call me at least XXXX times a day, email me at least once a day, with multiple letters in my mailbox stating that I owe {$460.00} on the account, which is more than I ever charged to the credit account, not even taking into consideration the {$390.00} I already paid PayPal. None of these letters included a statement of my right to dispute the debt. Additionally, when I login to my PayPal credit account it prompts me with a screen to enter my phone number and authorize Synchrony Bank to contact me at that number ... but they have already been contacting me for months at this number.

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 2019-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Sunday, XX/XX/2019. A man from XXXX contacted me that he could help me financially. He claimed that he wasn't a scam. The guy willingly sent me his drivers license to show he was real .But in order for him to help me I had to send XXXX $ via paypal to verify I was real and he would then reimburse my money. Once I sent the man the money through via XXXX he blocked and deactivated his account on twitter. The man was completely a fraud. I reached out to XXXX company about the issue and XXXX denied my dispute and said it was not protected under so called " buy protection ''. I've even tried to contact the man via email through paypal but he has not responded. I just want my money reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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: SC

Complaint narrative:
Second Request : I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 
This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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: CO

Complaint narrative:
Experian keeps putting a negative statement in my profile. I have called them on a recorded line as I record all my calls and they assure me that the statement will be taken off then they put it back on. These XXXX  dont realize that I will keep filing a complaint as long as I have to until the statement of dispute is removed. I have never disputed this account. The account is closed and handled by a 3rd party company and payments are in good standing so why would I dispute. I think they pick random accounts to place negative statements on. They are violating the FCRA.

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 2019-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Case XXXX In response to the written letter received by Discover : Discover card did not bother requesting updated information concerning the name discrepancies. I'm requesting that Discover change my name to XXXX XXXX on both accounts ending in XXXX opened XX/XX/XXXX and account ending in XXXX opened XX/XX/XXXX. 

Military Lending Act/SCRA - It is required that Discover charge a max rate of 6 % and requesting a refund of interest charges from XX/XX/XXXX - to date. 

XXXX  XXXX score - My social security number is the same under both names and Discover is required to provide accurate information therefore by engaging a third party to provide relevant information should be researched on their end not sending me back to the third party providing the inaccurate information. 

Please provide a written response to my mailing address

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
The borrower missed the first payment on the loan in 2019. The property was under contract in XXXX, scheduled to close in XXXX, 2019. The lender assured the owner that they would not proceed with foreclosure proceedings as they knew it was scheduled to close early XXXX, 2019. The owner tried for over 20 days to get a payoff statement from the attorney representing the current loan servicer/investor but no success due to XXXX XXXX not cooperating. The property closed on XX/XX/XXXX and the title company has sufficient funds to payoff the loan from the sales proceeds but they have not been able to get a payoff statement. The seller has tried to get the law firm to provide a payoff statement but it has been one excuse after another and they have been very difficult to deal with. I am asking for you help as the new owner is very concerned that the lender will not provide a Satisfaction of Mortgage and Dismissal of Lis Pendens, even though it was filed two days before closing and they knew the loan was being paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
CREDIT ACCEPTANCE CORP {$6900.00} I was only a co-signer on this loan for my ex girlfriend. After we broke up she said shell make sure to take care of the payments and that was fine, a few months later I saw the report on my credit report saying the car was repossessed and due to natural disaster flooding. I followed up with creditors and they couldnt fine anything to update me on but that what they knew the car was in XXXX TX and because of the hurricane that happen maybe that was the cause. I asked why wasnt I called about this or missed payments and was told they was reaching out to XXXX XXXX with no response, and I asked why wasnt I reached out about this before hand they couldnt tell me. I explained to them I was only the co-signer on the car and had never driven the car and I also didnt know it was in XXXX TX when at the time when I sign for the car it was in New Jersey and I had no knowledge of the car leaving the state and I shouldnt be reliable to this. They still couldnt tell me what happen to the car but on my report it was listed as a repo and cause natural disaster so I assumed the car was damaged in the hurricane and they are trying to collect money and also I was not contacted about this and had no knowledge of this until I saw my credit report. I tried reaching out to her and no answer and have no ways of reaching her.

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 2019-09-24 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: NY

Complaint narrative:
Between the dates of XX/XX/XXXX - XXXX, XXXX XXXX unknown inquiries were made on my Equifax credit report. These inquiries included XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. From this time through XX/XX/XXXX and again in XX/XX/XXXX Ive made several attempts to reach out to each company, each noting that they are unable to locate accounts in my name or social security number with their company or related services. I was told to reach out to Equifax to have the inquiries removed. Several calls were made to Equifax who explained that the companies must provide notice of no accounts. Calls were made to the companies. XXXX of which, XXXX XXXX XXXX, who recently provided documentation stating no present accounts or contact with the company therefore recommending Equifax to remove the reporting. XXXX company XXXX has failed to respond to attempts for assistance. XXXX explained that Equifax must initiate this fraud inquiry. Equifax says XXXX must do so in order to investigate. XXXX says the concern must go through the fraud dept. but can not be investigated as fraud if no account has been identified. In this time I learned that disputes can be filed with Equifax online. This was done in XX/XX/XXXX but again they were unable to resolve the issue. I learned that Equifax actually makes no calls to the companies, rather they just look at the reporting and deem it factual. They again asked for notice from the companies. 
As aforementioned I was able to get a notice from XXXX XXXX XXXX, clearly stating the inaccuracies and need to remove the inquiry. This was faxed ( as their website did not allow uploads despite what it says ) to Equifax in early XX/XX/XXXX but they again rejected the dispute and deemed the reporting factual despite the company providing the notice that they stated was required. These XXXX false and inaccurate inquiries remain on my credit report going on XXXX years and no one seems able to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: CA

Complaint narrative:
U.S. Bank was advertising a {$300.00} bank bonus. On XX/XX/XXXX, I signed up for a bank account. They contacted me on XX/XX/XXXX saying they needed further verification, specifically my social security card, state ID and 'foreign ID ' ( green card or Employment Authorization Document ). When I sent in my I-551 stamp, they said they 'can not take an I-551 '. 'I-551 ' is the Citizenship and Immigration Services form name for the 'green card '. They claim to accept permanent residents but in fact discriminated against me by refusing to accept my I-551 stamp,  which is legally equivalent to a permanent resident card. 

See : https : XXXX This violates local law, California Civil Code section 51, as well as federal law, 42 U.S.C. 1981 ( c ), because they are refusing to deal with me because I am a permanent resident and not a U.S. citizen. Even if I wasn't a permanent resident, they have no legitimate reason for verifying that I am a permanent resident because I have already provided them with my state ID and social security card. Now the bonus has expired and they have essentially defrauded me of {$300.00} due to their discriminatory practices.

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 2019-09-24 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: ID Analytics, Inc.
State: PA

Complaint narrative:
On the XX/XX/XXXX I received a letter in the mail stating I was denied a loan. One of the companies I felt had completely false information on me. For instance, in the documents attached it says that I had too many recently opened accounts, I have no idea what they mean I only opened one credit card and that was in XXXX of this year roughly. While I don't necessarily contest the fact that I don't have enough experience with loans I do have a line of credit active that I've had for the past two years and and credit card for roughly the same time, so what exactly is a time period they define as " experienced enough ''. Another point that I'm asking for clarification is how exactly does " too many inquiries adversely affect a person 's credit score? I  left a voicemail on the eve of the XXXX stating for the company to call me and if I did not receive an answer by XXXX XX/XX/XXXX. Monday ( today ) I'd file a complaint with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XX/XX/2019 JP MORGAN CHASE XXXX XXXX XXXX XXXX OH XXXX To whom it may concern : Based on recent correspondence from Chase, I have discovered that Chase through their attorneys, XXXX XXXX XXXX, have mailed documents to addresses that do not belong to me, XXXX XXXX. These addresses belong to former attorneys that I retained in prior years. It may be true that during their representation, these attorneys asked that mail be directed to them. However, at this point in time, these attorneys do not represent me, and they are under no obligation to notify me of any hearing or legal issue. Therefore, I immediately request that you ( Chase and/or XXXX XXXX XXXX ) refrain from sending documents intended for me to other addresses. All correspondence should be properly be addressed to me at XXXX XXXX XXXX XXXX XXXX GA XXXX. 

Second, it has also been brought to my attention that Chase through their attorneys, XXXX XXXX XXXX, have been sending mail to my home for Occupant. According to a recent investigation by Chase Executives, the letter addressed to occupant contained important documents that I needed to complete in order to reside in my home after foreclosure. I am not the only person reside here, but I am on the mortgage. A document this important should have been addressed directly to me. There is no telling what has happened with this letter or even if it was delivered to my home. There continues to be an ongoing issue with the Postal Service regarding mail, which I have yet to see results. Therefore, I immediately request that you ( Chase and/or XXXX XXXX XXXX ) refrain from addressing mail as Occupant or Resident. I immediately request that all mail be properly addressed to me and bear my name, XXXX XXXX. 

Third, XXXX XXXX and I have been divorced for many years. He does not receive his mail at XXXX XXXX XXXX XXXX XXXX GA XXXX, which is where I reside. Nor does he receive mail at any of the other addresses of my former attorneys. I immediately ask that you ( Chase and/or XXXX XXXX XXXX not send any document to my home, which is intended for XXXX XXXX. I ask that you ( Chase and/or XXXX XXXX XXXX use another method, other than my home address, to communicate with Mr. XXXX. In addition, I ask that Chase refrain from providing Mr. XXXX with my personal details including but not limited to RMA application, status and etc. 

Because of how critical my situation is and the need to maintain adequate contact, I ask that Chase respond with an acknowledgment that they will adhere to all of my aforementioned requests by Friday, XX/XX/2019. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Please refer to CFPB complaint # XXXX-XXXX and all attachments filed XX/XX/XXXX. Citibank also recently issued an unnecessary note on my credit that needs to be removed immediately after allowing merchant XXXX XXXX XXXX XXXX to charge fees for services they did not deliver. This business has a history of not delivering service to it clients and deceives customers by issuing themselves false reviews online.This financial abuse has caused me to no longer be able to confidently use my credit with Citibank because it has used its position of power to make notes on my credit that could greatly affect it in a negative manner.

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