vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Mortgage Services has been harassing me. They would call me out of ordinary times or just more than allowed by law in order to bring my account up to date. A good example of this would be this morning. They called me at XXXX XXXX. This is illegal to do so under The FAIR DEBT and COLLECTION Practices ACT 15 U.S.C. Subsection 11692-1692p. Other times, they call me about 6-8 times a day. If they continue to harass me, I will be forced to hire a law firm to sue them for these illegal actions that they are taking.

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 2020-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I filed a complaint with the CPFB regarding a mortgage application with Chase. The company responded today. The letter is attached. The letter clearly states that if I withdraw my application I am not eligible for a refund. I have been pressured multiple times by XXXX XXXX XXXX and XXXX. XXXX XXXX to withdraw my application which would then make us ineligible for a refund. We are seeking a refund of our {$500.00} " Good Faith Funds ''. XXXX XXXXXXXX XXXX in multiple instances misled us, lied and fabricated information. He verbally told us our rate was locked and then subsequently told us it wasn't because of a Chase computer glitch. He then offered to call me everyday to review treasury market data to insure that we received the lowest rate possible. The rate later increase to 3.0 % from 2.625 %. We are seeking a refund of our " Good Faith Funds '' as a result of his fabrication and misleading statements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: N.A.R., Inc.
State: UT

Complaint narrative:
XXXX XXXX from N.A.R. Inc. has in fact called me a couple of times today, within a 4 minute timeframe, I got a call from my mother stating that I needed to call her back because she received a call from XXXX directly after her attempt to call me. 

XXXX XXXX would not say who she worked for ... she did not tell my mother that she was a debt collector ... she did not say that this was an attempt to collect a debt. She gave my mother my personal information, including what phone number they had listed for me, and which address.

She started the call by saying that she knew me, and that she was trying to get ahold of me. She said, I have the phone number ***-***-**** for her, is that correct?

Also the address. Then proceeded to drill her for information on where I am currently working. She also said that she had left me a couple of messages when she in fact has not. I do not answer unidentified number calls, unless they leave a message, I dont call them back. To top that off ... I called her back twice, and she didnt answer. Her voicemail doesnt identify where she works. I had to XXXX the phone number to find out where she works. 

This is harassment ... plain and simple.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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:
Equifax and XXXX  should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US)
State: IL

Complaint narrative:
I received the attached letter via first class mail on or about XX/XX/XXXX. Prior to receiving this letter I had not had any correspondence with XXXX or AIC. Furthermore I have never purchased anything through XXXX. I have not attempted to contact XXXX or AIC, I was advised to leave that up to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Applied for a Kohl 's store card around mid XXXX of XXXX, I never received a bill, I never received the physical card ( still to this day did not receive a card ) and the first phone call I received was months later & it was a call to say I was being sent to collections. I paid the balance in full over the phone during this call on XX/XX/XXXX in the amount of {$160.00} which covered the amount owed and the late fee/charges. It was such a small balance, obviously I wasn't try to skip out on the bill I simply never received anything about it and after a month of waiting and assuming I would receive a bill when it was due it slipped my mind. I tried to resolve this through Kohl 's and the customer representatives were extremely rude and unhelpful. After over a month from the first call ( XX/XX/XXXX ) when I realized this was on my credit, I received a letter from Kohl 's saying the information was accurate and they would not remove it even though I never received anything from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31 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: TX

Complaint narrative:
In late XX/XX/2020, I was notified that I had several negative items on my credit report. Of these negative items, that have spanned over a number of years, accounts like auto loans, car insurance, credit cards, bank accounts and student loans were opened in my name and have all been charged off, closed, and sent into collections. I have sent ancillary documentation to the creditor and credit bureau to have these items removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
They falsely reported my mortgage in deferment starting XX/XX/XXXX but my account was current on XX/XX/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 2020-07-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I've been attempting to refinance my house since beginning of this year. After submitting CFPB complaint XXXX due to lack of response on XX/XX/2020, Lakeview referred me to XXXX ( another company under the umbrella company ) for refinance. I was referred on XX/XX/2020. 

My house STILL is not refinanced and there is no timely updates. Lakeview as a whole including all the subsidiaries seems to have an issue with prompt service and giving consumers the runaround. We are approaching 3 months with nothing done. 

I'd like the refinance to be complete and/or existing mortgage interest rate to be reduced by Lakeview. The delay has been solely due to Lakeview and it's subsidiaries incompetence, negligence and  inefficiency. 

My goal is to avoid legal action.

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 2020-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase has been calling me 4 times a day every day for the past 30 days and I cant block their number because it's always changing and I cant stop the harassment because it's a robot.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31 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:
XXXX  and Transunion should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-07-31 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: DC

Complaint narrative:
I reviewed my credit report on XX/XX/XXXX and saw inconsistencies with XXXX XXXX Mortgage Account. I submitted and online dispute with Experian. They deemed that the information should be updated and not deleted. This information was not consistent across the 3 major credit bureaus.

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 2020-07-31 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: Block, Inc.
State: MD

Complaint narrative:
Cash App has froze my account with {$250.00} for 2 months. I received another {$250.00} payment so now there is {$500.00} on Cash app that they will not allow me to access. On XX/XX/XXXX I submitted a request to verify my account so that I can withdraw and deposit bitcoin. XXXX with Cash App support instructed me to upload a selfie of me holding my license and photos of the front and back of my license to a website which she provided the link to. Upon doing so, I was notified that the verification was not accepted. I then contact cash app support on XX/XX/XXXX for assistance. They responded on XX/XX/XXXX indicating that the account was verified in XXXX of XXXX by XXXX and that they have frozen the account until they complete verification. I responded on XX/XX/XXXX requesting the requirements for verification and since then there has been no indication of what is required to unfreeze my account. I have replied to the emails they have sent. I have created new inquiries via the actual cash app. I have sent direct messages via XXXX to cash app support. And I did receive a response from them indicating that someone has my case and will be contacting me and still nothing. I received a payment of {$250.00} on XX/XX/XXXX and have been unable to cash out or use the funds as my account is frozen. I received another payment for {$250.00} on XX/XX/XXXX. Now there is {$500.00} in my account that I can not use. This is the worst customer experience I have ever had in my life. I have cried over and over as this is money that I need to survive. I have had late fees aasessed and all types of financial inconveniences steming from this issue. I explained to them that my cash app account is on my girlfriend 's phone because she manages my household 's finances. She is able to use the cash app as she so chooses as do I. The account itself was not verified by XXXX in XXXX they are simply associating my account with her number which should not be the case. If you are able to open several accounts they should let you know that it will be linked to the initial account that was setup on that phone number. Even if that is the case the verification is for XXXX not for XXXX and I have provided exactly what they asked for. The bank account linked is to XXXX not XXXX the only thing linking anything is merely her phone number. There is no reason to freeze an account based on the same phone number if the name on the account, the name on the bank account, and the verification all line up. This has been an unbelievably frustrating issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: CBC Companies, Inc.
State: TX

Complaint narrative:
In late XX/XX/2020, I was notified that I had several negative items on my credit report. Of these negative items, that spanned over a number of years, accounts like auto loans, car insurance, credit cards, bank accounts and student loans were opened in my name have all been charged off, closed, and sent into collections. I have sent ancillary documentation to the creditor and credit bureau to have these items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: COMPUTER SCIENCES CORPORATION
State: IL

Complaint narrative:
I spoke to CSC Logic about paying off my loan and told them it would be paid off before the end of XX/XX/2020 ( which I've made all my payments on time and even worked with them on a covid deferment ). I asked if there would be any additional charges if the loan was paid in full by months end and they said XXXX extra charges. Guess what, they charged me and extra XXXX. I phoned them again today and asked for them to return the extra charges and they said no, we're allowed to charge what we want. Well that is not fair. 

XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: IL

Complaint narrative:
I was contacted by an agency called True Accord, XXXX XXXX XXXX, XXXX XXXX, XXXX, KS about a debt. I sent them a certified letter on XX/XX/2020 telling them to cease and desist communication with me pursuant to the Fair Debt Act. It was send via USPS certified mail. Receipt number XXXX. 
Since their receipt date of my letter on XX/XX/XXXX they continue to contact me via email threatening to turn this over to an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: TX

Complaint narrative:
In late XX/XX/2020, I was notified that I had several negative items on my credit report. Of these negative items, that spanned over a number of years, accounts like auto loans, car insurance, credit cards, bank accounts and student loans were opened in my name have all been charged off, closed, and sent into collections. I have sent ancillary documentation to the creditor and credit bureau to have these items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: IL

Complaint narrative:
Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 

XXXX XXXX XXXX, XXXX XXXX XXXX,. XXXX, XXXX, XXXX, gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is ( 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 2020-07-31 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: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from 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 2020-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
My loan matured onXX/XX/XXXX and I was not informed by the company, PHH of this issue. I received no phone calls and no other correspondence from them, and they continued to take my payments for 4 more months until they said they could not and I needed to pay {$55000.00} immediately. I have been working with them to get a loan modification, but that process has been rife with incompetence and straight up lies. 

The customer representative, XXXX, sent me a letter on XX/XX/XXXX saying my application was complete and good to go. On XX/XX/XXXX I was told the application was not complete and I needed to provide more documents. On XX/XX/XXXX I was told of a new set of requirements, and again on XX/XX/XXXX. Finally on XX/XX/XXXX after talking to XXXX, a supervisor I was told of another new requirement which she says they knew about since XX/XX/XXXX, but never told me. 

I have been told my account is a top priority, but that is not true. I was told my account would be expedited, but again, not true. PHH has delayed my loan and pushed my credit further down making it impossible for me to get a loan from another lender, forcing me to deal with them. I can only imagine the interest rate I may get, if I ever get through this process. 

All I want to do is to pay the now balloon portion of the loan and to fix my credit, but PHH keeps changing the requirements I need for the application. Their actions scream of being predatory at the least, a scam at the most and incompetent throughout. When asked if this has ever happened before I was told no, so I feel this is a case of discrimination against me as a person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: AES/PHEAA
State: TX

Complaint narrative:
In late XX/XX/2020, I was notified that I had several negative items on my credit report. Of these negative items, that spanned over a number of years, accounts like auto loans, car insurance, credit cards, bank accounts and student loans were opened in my name have all been charged off, closed, and sent into collections. I have sent ancillary documentation to the creditor and credit bureaus to have these items removed. 

I have requested that the creditor and/or credit bureau provide me with proof that the debt is mine but they have yet to do so. My requests are ignored and I am instead sent a bill to pay. During this time, I have been consistently harassed via phone and mail to pay a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from 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 2020-07-31 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: HEARTLAND PAYMENT SYSTEMS INC
State: TX

Complaint narrative:
In late XX/XX/2020, I was notified that I had several negative items on my credit report. Of these negative items, that spanned over a number of years, accounts like auto loans, car insurance, credit cards, bank accounts and student loans were opened in my name have all been charged off, closed, and sent into collections. I have sent ancillary documentation to the creditor and credit bureaus to have these items removed. 

I have requested that the creditor and/or credit bureau provide me with proof that the debt is mine but they have yet to do so. My requests are ignored and I am instead sent a bill to pay. During this time, I have been consistently harassed via phone and mail to pay a debt that is not mine.

Company response to consumer: Closed with explanation