vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC

Complaint narrative:
I went through a nasty divorce that finalized in XX/XX/XXXX. I had to file Chapter XXXX Bankruptcy die to the divorce. It was discharged in XX/XX/XXXX. 
However, on my credit reports it shows the PennyMac Mortgage as CLOSED and INCLUDED within the BK. 

This mortgage WAS NOT included in the BK and I still live in the home and have never missed a payment. 
I need this to report as such to improve my overall FICO score. 

PennyMac, for whatever reason, REFUSES to report my on-time Payments to ANY of the Credit Bureaus. 

I can not understand why they will not just report this info like they have for years? 

Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to inform you that you are continuing reporting inaccurate information in my credit file. While I believe, I can document significant noncompliance by your bureau, it is my hope that this matter will not progress to the point of litigation or administrative action. Specifically, in my letter I indicated that I dispute the following information reflected in my credit report : XXXX : XXXX The payment status is incorrect, please delete. 
XXXX XXXX : XXXX The account status is inaccurate, please delete. 

DEPT OF EDUCATION/XXXX : XXXX The terms reported are incorrect, please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am eligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found a car loan on there that I have never applied for. This item is not mine. Please remove this from my credit 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 2020-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am eligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found a car loan on there that I have never applied for. This item is not mine. Please remove this from my credit 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 2020-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to inform you that you are continuing reporting inaccurate information in my credit file. While I believe, I can document significant noncompliance by your bureau, it is my hope that this matter will not progress to the point of litigation or administrative action. Specifically, in my letter I indicated that I dispute the following information reflected in my credit report : XXXX : XXXX The payment status is incorrect, please delete. 
XXXX XXXX : XXXX The account status is inaccurate, please delete. 

DEPT OF EDUCATION/XXXX : XXXX The terms reported are incorrect, please delete.

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 2020-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
A unknown suspect has been using my identity. My name and social security without my permission. When I reviewed my credit report I observed two loans ( XXXX XXXX XXXX ) and three credit cards ( XXXX XXXX  and two XXXX XXXX cards ) that I did not apply for or authorize. Also I observed two other unknown suspicious accounts. The loans, cards and two other unknown accounts were applied approximately a year ago or longer. I have took action and filed a police report with my local police department. Please remove these fraudulent unknown suspicious accounts from my report as soon as possible. 

MEDICAL DEBT XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
A unknown suspect has been using my identity. My name and social security without my permission. When I reviewed my credit report I observed two loans ( XXXX XXXX XXXX ) and three credit cards ( XXXX XXXX  and two XXXX  XXXX cards ) that I did not apply for or authorize. Also I observed two other unknown suspicious accounts. The loans, cards and two other unknown accounts were applied approximately a year ago or longer. I have took action and filed a police report with my local police department. Please remove these fraudulent unknown suspicious accounts from my report as soon as possible. 

MEDICAL DEBT XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-26 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: NJ

Complaint narrative:
I ask equifax to investigate a problem on my credit report they told me they verified it with a third party lexis nexis and they never investigated it because I have a security freeze on that I will forward you the information. They said they looked into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX XXXX {$300.00} US DEP ED XXXX {$23000.00} XXXX XXXX  XXXX {$1000.00} US DEP ED XXXXXXXX {$1700.00} XXXX/XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX  XXXX {$520.00} XXXX   XXXX {$0.00} XXXX/XXXX  XXXX {$510.00} XXXX/XXXX  XXXX {$840.00} XXXX   XXXX  XXXX {$65.00} XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
Affidavit of truth with a conditional acceptance was send to ask to prove the debt by producing the contract between the third parties BSI FINANCIAL SERVICES and XXXX XXXX and no commercial affidavit was sent back for rebuttal. The companies have admitted to not being the lender, never giving credit or being a party to the Promissory note, or having a Security deed with Bilateral signatures to agreed to any debt. They have now threated to create a deed under power and all power of attorneys have been revoked, and no real assignment of mortgage has occurred. No gold or silver was given to be able to foreclose and identity theft has happened as I have no contract with either company to owe any debt. 
As a third party has no right to collect a debt without proof of the debt. The Original Promissory note which does not contain the names of the companies trying to foreclose has been deposited, cashed and then traded as a book-entry security pooled and then sold as a package to investors. They do not have the original note with wet ink signature and no valid claim of debt without a bilateral or any oral contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was scammed and I tried to get the money back, but they said they can not do nothing about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
Planet Home Mortgage is refusing to defer mortgage payment for clients due to economic injury the nation is experiencing as a result of COVID19. They are only offering forbearance which will make a lump sum of 3 mortgage payments due in 3 months.

This is against the Government stimulus package and does nothing to help us. We are asking for a deferral of our payments as other honest lenders are doing, such as XXXX. 
So far, XXXX XXXX XXXX are deferring payments for 120 days. 
Planet is simply accumulating the payments for 3 months then forcing a refinancing when we havent been able to save up 3 months of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: IL

Complaint narrative:
I tried to make multiple payments online via lendingclub.com For the past 2 months I was not able to make an extra payment. I called and complained about this issue with No resolve. All of the reps state that I should be able. The site was not working corretcly. This hampers me to decrease my balance, hence more interest goes to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: DC

Complaint narrative:
Remitly has never completed a transfer to XXXX. They claim that their partner, XXXX XXXX needs to provide a clearance. I obtained all required clearances from XXXX XXXX and they say that there is no issues on their side ( have emails to prove it ). Banks in XXXX tell me that they do not work with Remitly or XXXX XXXX. However, Remitly promises on their site that they can transfer to any Bank in XXXX in 3 days. The last issue I had was on the XXXX of XXXX when I sent three transfers totaling XXXX US. They never arrived. I had to cancel the transfers after a weeks of being in pending status. They took 10 days to put the money back into my account. Then they asked me to try again. On XX/XX/XXXX I tried again. We had the same back and forth with Remitly claiming that the hold-up was with XXXX XXXX in XXXX. XXXX XXXX tell me that all is ok for the funds to be transferred. the money has been with Remitly since XX/XX/XXXX. The transfers were cancelled again and I was notified that the money will be in my account in 10 days. 

Remitly know that they can't complete the transfer and they keep inviting people to place transfer with them. Once you are stuck with them, they keep the remittance funds and only return them 15 days later. 

Their scam is to get people 's money and claim that their partner has issues to delay the funds with them and use the while they distract the user with excuses, they use the money and then return it without interest two or three weeks later, depends on how long the manage to keep users waiting before they cancel their transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: Premium Credit Bureau
State: NJ

Complaint narrative:
Premium CB appears on my credit report as a Hard Inquiry. I have never did business with this company and their is no mutual signed contract or agreement between us. I call this company and they inform me that a company that I hire in the past for credit repear ask them to pull up my credit. When I hire XXXX they never inform me they will run up my credit score, also I have to mention that in the same month that I hire this company I cancel my contract with them due the low and poor quality of service for my person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
Paypal locked my account and is advising that I will not be able to withdraw my balance for 180 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JMAC LENDING INCORPORATED
State: AZ

Complaint narrative:
We had been approved for a 30 year jumbo mortgage with XXXX XXXX. XXXX XXXX from XXXX XXXX  ordered an appraisal and an appraisal was done. Before the appraisal was submitted, after all the work on it was completed, XXXX XXXX cancelled the appraisal. The appraisal company charged us {$750.00} for the appraisal and said we can get a refund of only {$150.00} because the appraisal was done. XXXX   XXXX  stopped the appraisal because they decided after lock and approval, even after ordering the appraisal that they were temporarily suspending Jumbo mortgages. They then indicated we could start again and accept a higher rate if we would like. Choosing not to honor the 3.375 rate and switch us to a 4.25 rate is wrong as we had a lock and there was still 2 weeks left  on it at the time. This disposition is simply fraud and proven by the fact that we can continue with them right now at a new higher rate. We are out {$600.00} and feel violated. This is unethical! We have proof and a paper trail for all of this. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SIERRA PACIFIC MORTGAGE
State: IN

Complaint narrative:
My close date is Friday XX/XX/XXXX and I was expecting a 3.625 % interest rate per a XX/XX/ email from my lender at Sierra Pacific Mortgage. On Monday XX/XX/XXXX I was texting my lender asking if rates had dipped due to news about the Coronavirus he  said no. Then I said at least we are locked in at 3.75 %. Thats what I said but in reality shouldve been 3.625 %. He never mentioned anything. A similar conversation took place a few more times and the issue was always skirted. I understand that this is my responsibility to make sure I am locked but I assumed all was good by him not mentioning it. Anyway, last Friday XX/XX/XXXX when it was to till late for me to turn back on my closing ( would blow the whole sale ) he tells me rates spiked to a 5.75 % and tells Me we never locked in. Never once said anything to me about not being locked in, although he will tell you he offered several times. Any email or text chain I have would suggest otherwise. I asked for no closing costs to offset the over {$500.00} increase in mortgage payment from what I was expecting and he said he wouldnt do it. I also contend that nowhere is their a rate anywhere close to 5.75

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: NC

Complaint narrative:
I filed several disputes with Netspend concerning a Netspend Small Business account. They suddenly closed my account and advised me that they found no error although I provided them with copies of  Bank statements showing that my company paid for the charges and that my card should have never been charged. they also closed an additional account now not allowing me any recourse to dispute those transactions 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 2020-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX  XXXX {$300.00} US DEP ED XXXX {$23000.00} XXXX XXXX  XXXX {$1000.00} US DEP ED XXXX {$1700.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX  XXXX {$520.00} XXXX   XXXX {$0.00} XXXX/XXXX  XXXX {$510.00} XXXX/XXXX  XXXX {$840.00} XXXX   XXXX  XXXX {$65.00} XXXX  XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX  XXXX {$300.00} US DEP ED XXXX {$23000.00} XXXX XXXX XXXX {$1000.00} US DEP ED XXXX {$1700.00} XXXX/XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX {$520.00} XXXX   XXXX {$0.00} XXXX/XXXX  XXXX {$510.00} XXXX/XXXX  XXXX {$840.00} XXXX   XXXX  XXXX {$65.00} XXXX  XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowner 's program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX {$320.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$25000.00} XXXX XXXX {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I was informed by my banker ( of 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. I do not know anything about the items. Please remove these fraudulent accounts form my credit file immediately. 

XXXX  XXXX {$170.00} XXXX  XXXX  XXXX {$4900.00} XXXX  XXXX {$760.00} XXXX XXXX XXXX XXXX {$4600.00} XXXX  XXXX  XXXX {$51.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: MA

Complaint narrative:
On XX/XX/XXXX, a fraudulent charge was made to my Chase Saphire card through a food delivery app called XXXX. This is an app that I regularly use and has my credit card stored in it for purchases. On XX/XX/XXXX, my XXXX app was hacked and the fraudster made an order from a restaurant in XXXX, OR for {$140.00}. Once I was made aware of the purchase ( the following day ) I contacted Chase Bank who immediately removed the charge, canceled my current Saphire card and issued a new one with a new number. Then on XX/XX/XXXX, the charge for {$140.00} showed back up on my statement. As a result, I've made several attempts at contacting the Bank and have been placed on hold and ignored. I called on XX/XX/XXXX and never reached anyone - after waiting on hold for an hour and 12 minutes. I then tried to reach them via their XXXX  page, which states a rep will respond shortly - no one ever answered my inquiry despite leaving a detailed overview of my issue and what happened. On XX/XX/XXXX, I did reach a representative, who reviewed my account and stated " the wrong department handled your claim initially - I will have to forward you to the fraud department, the wait till be between 10-20 minutes. I am now going on 87 minutes of waiting and have yet to be helped. This issue should have been resolved on my first phone call on XX/XX/XXXX. This is fraud and the bank 's handling of this is completely unacceptable.

Company response to consumer: Closed with explanation