vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-24 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: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from XXXX 


1. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX   XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX/XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8.  Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 11. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 12. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 13. Company Name : XXXX XXXX   XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 14. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 15. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 16. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 17. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 18. Company Name : XXXX/XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
The XXXX XXXX isn't allowed to connect with my bank to send money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: TX

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate information on my credit report. Company was unable to provide or validate the debt and has not removed the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In XXXX and XXXX of XXXX, i filed a dispute with XXXX and TransUnion credit bureaus about the unverified account : XXXX XXXX  account # XXXX. In those two months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today XX/XX/2020. Thank you

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 2020-07-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Macys does not mail me statements for my credit card. I have requested my statements monthly.

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 2020-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Finance System of Toledo, Inc.
State: OH

Complaint narrative:
Sent information disputing validity of debt to XXXX, XXXX and XXXX. All debts still remain on my credit report. It has been well over 30 days, and company has not responded to my communication requesting validity per my rights under the fair debt collection practices act. With this violation being apparent, Finance Systems of Toledo needs to remove this debt from all three of my reports with all three of the credit reporting agencies, and cease contact with me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In XXXX and XXXX of XXXX, i filed a dispute with Experian and XXXX   credit bureaus about the unverified account : XXXX XXXX account # XXXX. In those two months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today XX/XX/2020. Thank you

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 2020-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank insistently marketed to me their citigold account : the offer involved opening a checking account, plus investment accounts holding $ XXXX or more to receive a bonus of {$1500.00} after 60 days plus a XXXX enhancement in the cashback bonus I already enjoyed with my Citi Mastercard. 
I held the accounts ( checking and investment ) with over $ XXXX from XX/XX/XXXX, and at XX/XX/XXXX I requested my benefits. 
The chat feature in the website responded they couldn't do that and I had to call a phone number. 
I called the phone number and they had me waiting on hold for 20+ minutes, during which I could not do anything else, because the " music on hold '' consisted of a distracting drone repeating every 10 seconds that I should be doing this online. 
Finally, an attendant responded and as soon as I explained my request, the call was dropped. 
I can't know for certain that this was intentional, but I do know for certain that the bank didn't call me back, and the bank didn't credit the promised rewards during the following few days. 
Not having another 20 minutes to spare, I have not attempted the maneuver again : today I closed the accounts. Still, I had earned the {$1500.00} and citibank failed to honor their marketing promise.

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 2020-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate information on my credit report. Company was unable to provide or validate the debt and has not removed the inaccurate 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
Consumer complaint received 2020-07-24 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: TX

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate information on my credit report. Company was unable to provide or validate the debt and has not removed the inaccurate 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 non-monetary relief
Consumer complaint received 2020-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is incorrect information on my credit report. I have sent several letters requesting that the incorrect and unverified information be removed from my file. XXXX XXXX has failed to provide me documentation on file that proves the account is accurate, nor have they deleted the inaccurate unverified accounts. I am requesting that the accounts are deleted immediately

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 2020-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/2020 I was told the company was investigating my claim. On XX/XX/2020 I emailed them about my status of my claim. On XX/XX/2020 they said I never sent my claim in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There is incorrect information on my credit report. I have sent several letters requesting that the incorrect and unverified information be removed from my file. XXXX XXXX  has failed to provide me documentation on file that proves the account is accurate, nor have they deleted the inaccurate unverified accounts. I am requesting that the accounts are deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is incorrect information on my credit report. I have sent several letters requesting that the incorrect and unverified information be removed from my file. XXXX XXXX  has failed to provide me documentation on file that proves the account is accurate, nor have they deleted the inaccurate unverified accounts. I am requesting that the accounts are deleted immediately

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 2020-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Finance System of Toledo, Inc.
State: OH

Complaint narrative:
Finance Systems of Toledo is repeatedly attempting to collect a debt that I no longer owe to XXXX XXXX. I have disputed this with all three credit reporting agencies, and it has been thirty days, and Finance Systems of Toledo has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UMPQUA HOLDINGS CORPORATION
State: OR

Complaint narrative:
Hello, I own a house and have a FHA loan from Umpqua bank but I am not currently behind with the loan yet but as the paande If continues and situation at my work is been getting tight. I wanted to seek help to refinance my current loan. My Kia always lender bank is not listening to my issues and saying theres no help from federal to help us. 

XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently sent letters over 60 days ago to this bureau Equifax and they are disregarding a regular consumer dispute. I'm stressed and extremely upset at this company because I've been sending letters before this and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I refinanced my house with Freedom Mortgage last year and the refinancing was closed in XXXX, 2019. There was a 2nd on my house with XXXX, and they were supposed to record to keep Freedom to be the first. They haven't recorded the subordination agreement so XXXX is the 1st lien holder now. Due to XXXX is being a first lender, it's holding my refinance process. I've reached out Freedom Mortgage numerous times by phone calls and emails and I even reached out the company who was responsible for closing of my loan at the time to obtain a copy of recorded subordination but they kept sending me unrecord sub evidencing that that was the recorded doc and they closed the case. I had to reopen the case 3 times. I even contacted the loan officer who work on my refi. None of them provided or contacted me with any updates until now. 
I have been calling them once a week since XXXX. I have decided to elevate this issue to you. 
Please see the attached emails that I communicated with the Freedom Mortgage, closing company and the loan officer. You can reqeust the phone calls from Freedom as they are required to record the conversation. My case was open in early XXXX. 

Thank you.

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 2020-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Manhattan Beach Venture, LLC
State: NC

Complaint narrative:
In XX/XX/2020 I authorized monthly drafts for repayment of my loans. I have been reported to the credit bureau for nonpayment, resulting in a drastic decrease to my score, resulting in my inability to provide housing for myself and my son.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-24 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I ordered from XXXX  ( seller ) 48 rolls ( XXXX XXXX XXXX XXXX XXXX ) times 25 case,1200 single rolls, each costs XXXX cents, total {$670.00}, around XX/XX/XXXX. 2020. After I ordered I checked the status of delivery. But the company website was disappeared. I felt this was scam. So I called my credit company, Chase. Not to pay it. And the agent told me Chase is not going to charge to me {$670.00} because I cancelled off very quickly around 24hours. I believe what Chase said. But Chase paid {$670.00} to the seller and charged to me around 2 months later. So I go to dispute and Chase close this case because of time frame. I have to pay it. The seller send me around 8 rolls times 20, 160 single rolls, each costs {$4.00} ( {$670.00} divide by 160 ) no brand name junk white toilet paper.totally different as they described. I tried to contact the merchant but their website is disappeared. I wish I return to get my money back.but I don't know where they are. I believe Chase made mistake because the agents work at home. Technical mistake. {$670.00} is big money for me during this corona virus season. I'm trying to survive my business. Please help me. XXXX bless you XXXX bless America. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
XX/XX/20 In regards to CARE ACT I was advised my FHA loan that is current was not an option rather I was advised by my mortgage company PPH. I was told by resolution team XXXX XXXX I only eligible for their 3 month forberance offer by phh.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: Account Services Collections, Inc
State: TX

Complaint narrative:
Account Services is reporting inaccurate/unvalidated information to my credit report. I have sent several letters requesting that the incorrect and unverified information be removed from my file. Account Services has failed to provide me documentation on file that proves the account is accurate, nor have they deleted the inaccurate unverified accounts. I am requesting that the accounts are deleted immediately

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 2020-07-24 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have used XXXX XXXX to access my Equifax report. There are hard inquiries on my report that I wish to dispute with Equifax, but Equifax is not responding to my needs through the fair debt collection practices act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
Our mortgage was process through XXXX  XXXX XXXX ( based out of XXXX XXXX MO XXXX and was sold to XXXX  whom then sold our mortgage to PHH Mortgage whom has an ongoing extremely poor track record for customer care and proper handling on documentation, such as statements and proof of payments, as well as past lawsuits for wrongfully foreclosing on person ( s ) home. They are not accredited with the XXXX XXXX XXXX and should not be allowed to offer loans to consumers. PHH Mortgage has been in business for over 30 years and has yet to prove they are a trustworthy, dependable, and reliable source for loans/mortgages. PHH Mortgage has and is currently ruining the wellbeing of American families whom trust them with one of their largest assets, a home! The Consumer Financial Protection Bureau must properly vet loan companies to ensure that those companies are accredited though the XXXX  and have a long standing record of quality customer care and record keeping. There is no excuse for these wealthy companies whom absorb millions of dollars in interest from homeowners to not have a quality company. PHH Mortgage has over 700 1-star reviews elaborating the shortcomings of the company. I second me earlier statement : As a federal agency, Consumer Financial Protection Bureau must dictate higher standards for lenders to deserve consideration under XXXX. US citizens count on the government to adequately take care of its people ; not to have a government agency toss their mortgage investment to the dogs to be picked over and handed off to a sub-par company with a poor track record. Poor practices like these are what directly lead to a housing crisis.

Company response to consumer: Closed with explanation