vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: RI

Complaint narrative:
I received a notice/letter dated XX/XX/2021 of a missed monthly mortgage payment for the month of XX/XX/2021 from PHH Mortgage Services XXXX However, I have my account on autopay from my checking account which showed a payment made on XX/XX/2021 of {$140.00} in my bank statement. My XXXX monthly mortgage statement says the payment this payment was not applied by PHH until XX/XX/XXXX even though the bank transfer was made on XX/XX/2021. However, in fact, the PHH XXXX monthly mortgage statement that says payment was missed also shows in the activity transaction box of the statement that the payment was made on XX/XX/2021? All my other past payments were made on the XXXX  of the month via autopay with no issues and previous monthly statements showed payment applied on date of transfer and no overdue payments for XXXX and XXXX for example. I have sent a message to the company but XXXX  not yet received a reply. 

This is the second problem I have had with PHH which assumed my mortgage just this year. It took over three months to get them to pay two missed quarterly property tax payments just resolved this month from my escrow account and the accrued penalties for missed payments. Here we go again with another error!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: NC

Complaint narrative:
I have been a victim of identity theft for several years now I've made police reports and sent them in to all credit bureaus to no avail XXXX is still reporting this item on my credit report as mine and it isn't time and time again to get this matter resolved and nothing is happening this item is ripping my credit apart its hard for me to get housing getting loans for my children 's college loan I have been steadfast in paying all my bills on time and XXXX is not reporting my payments and my credit score has not increased at all this item needs to come off my credit report the company name is WF/NATION DATE OPEN : XX/XX/2019 BALANCE XXXX thank you in advance for all of your help on my behalf XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
The Bank of America, XXXX, New Jersey branch was preventing me from making a deposit because they refused to wipe down the machine into which they required me to place my identification card. The branch manager did not social distance. Apparently the Bank of America is unaware that there is the very deadly novel coronavirus that early spreads as both the teller and the branch manger told me that they only clean the machine once a day! If I can even believe that!

Reckless on the part of the Bank of America! 

XXXX XXXX XXXX, XXXX XXXX 
XXXX XXXX XXXX ( XXXX  ) pro se

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 2021-11-01 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: NJ

Complaint narrative:
On the XXXX of XX/XX/2021 this account is still not charge-off, this indicate that XXXX XXXX company is violating their own statement that was mention in the letter send to my person true the CFPB and via the USPS mail service dated XX/XX/2021 that said that this account would be charge off on the XXXX of XX/XX/2021. 

BY NOW I REQUEST DUE THIS VIOLATION OF THEIR OWN STATEMENT AND VIOLATION OF THE FAIR CREDIR REPORTING ACT THAT THIS ACCOUNT BE REMOVE FROM MY CREDIT REPORT IMEDIATELY

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 2021-11-01 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On the XXXX of XX/XX/2021 this account is still not charge-off, this indicate that XXXX XXXX company is violating their own statement that was mention in the letter send to my person true the CFPB and via the USPS mail service dated XX/XX/2021 that said that this account would be charge off on the XXXX of XX/XX/2021. 

BY NOW I REQUEST DUE THIS VIOLATION OF THEIR OWN STATEMENT AND VIOLATION OF THE FAIR CREDIR REPORTING ACT THAT THIS ACCOUNT BE REMOVE FROM MY CREDIT REPORT IMEDIATELY

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 2021-11-01 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: MS

Complaint narrative:
Equifax, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Well for years while I was younger my old brothers and sister use my information without me being old enough to give my permission or to know whats going on at the time I file my taxes now with an XXXX due to this problem

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 2021-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank discourages customers from filing reports of unauthorized charges. I have called the Bank a total of five times now. The first I was told to call back during business hours, Other times transferred multiple times waiting on long hold times and never getting to file my claim.

I am currently on hold for the fifth time right now. I have been transferred twice and still have not spoken with anyone who can take my claim. At this point- today only- I have been on hold for 45 minutes and gotten nowhere.

All told- I have been on hold trying to resolve this four about four hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
I applied for a line of credit with net credit and the creditor have used adverse action against the consumer ; revocation of financial extension of credit in substantial terms requested. Creditor did provide risk based pricing notice and said the determining factors listed were reason for denial. 
-XXXX  XXXX  Risk View Score Request -XXXX  vantage score -XXXX  Auto Origination Score. 
It is with unfairness exercised, for a creditor to base these factors from I, the consumer with respect to my credit profile which contains status of accounts that are under investigation and should have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: MS

Complaint narrative:
Yes This Not Me So, You Need Verify the Your Incorrect Information .Please Contact me thur CFPB, I Will Attach Incorrect Information letter from XXXX XXXX XXXX and I have enclosed a copy of my driver 's license and utility bill as proof of identity.

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 2021-11-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have tried multiple time to send in disputes and call to dispute these accounts with no response. Please investigate and remove these inaccurate accounts 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 2021-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
I tried to make a payment on my special financing purchases and they denied my payment. They sent me back to PayPal.

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 2021-11-01 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:
I reviewed my most recent XXXX XXXX report dated XX/XX/XXXX, and on the report Equifax reported the following incorrect information to XXXX  XXXX  : : Credit card usage - 24 % Debit - {$29000.00} Credit limit - {$110000.00} The correct information is as follows : Credit card usage - 22 % Debit - {$29000.00} Credit limit - {$130000.00} Equifax under reported my credit limit by {$12000.00} and a 2 % increase in my debit usage which has a direct impact on my credit rating. 

I have now spent 3 days and over 4 hrs ( XX/XX/XXXX - XXXX ) on the phone with Equifax XXXX XX/XX/XXXX most recent ) trying to get this issue corrected. All I get from Equifax is that this is not their problem as they have now verified with me no less than 5 times that the amounts they have on record matche what I have on mine. So, in their opinion, it is a XXXX XXXX problem and they can not and will not help me with it. 

According to XXXX XXXX, the information they show on their report, is exactly what the credit bureaus report. Nothing more and nothing less.. 

Just to add to this complaint. It should be noted that all of the information XXXX sent was correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Idaho Housing And Finance Association
State: TX

Complaint narrative:
I reached out to the Company via this Platform and received a response that is not any where near what I was told by the representatives that I have dealt with. 

They claim that a letter was sent that in conjunction with what was done. I was told By their XXXX XXXX that seeing as we were trying to get our loan refinanced as not only have housing prices risen but that rates had dropped and we wanted to lock in the better rate that we had been given. 

What prompted this was the fact that our house price had gone up without explanation and when reaching out could not get anything from them until they called trying to collect the amount that was left off. That is one reason why we wanted to refinance as the communication is beyond poor. In the previous complaint they addressed this portion and that is it. 

What was failed to address was the rep said he was getting with credit to keep any late notices off so that we could get the refinance completed and that it would hold off for 60 days so that this could happen due to their noncommunication. 

It was not a week later that this hit according to the lender that we are trying to use that this hit after talking to him. This is a case in point as to why we want to go else where no one here sticks to what they say.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a home mortgage with Suntrust Bank. They keep emailing me sensitive private information via unsecured email. This creates a risk that I can have my identity stolen or became a victim of a fraud. I attach a screenshot of an excerpt of such an email, in which I manually redacted out the said sensitive private information. I have already requested that they stop doing so, and I was told that they would stop, but they keep emailing me said sensitive private information via unsecured email. 

I filed a complaint with CFBP, case number XXXX. 

The Company replied that they removed my email address form their system and that I would not receive any emails from them.

As a result, CFBP closed my complaint. 

However, despite what the compamy replied, I received earlier today the same message as before emailed to me at my email address that they claimed they removed from their system. 

I attach a screenshot of an excerpt of such an email, in which I manually redacted out the said sensitive private 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 2021-11-01 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I recently had a consumer support notice that I had not paid a bill. In researching my credit report on XXXX XXXX I found a closed account through SYNCB/PPC under the name of XXXX XXXX for approx {$810.00}, in contacting this creditor I was told that this account was associated with my social and my address but this is not my name. They stated that the account had been opened with Paypal and that they would send me a statement that I have recently received. the statement clearly shows the account was opened under XXXXXXXX XXXX  and I have never used this name, my only names ever used are XXXX XXXX ( Maiden Name ) and XXXX XXXX ( Married name ) which can easily be seen on my credit history. 

This account was open for only 3 months and then closed in XXXX and has never had a payment made on it. I let this credit company know that this was not my account and they stated that everything but the name matched so they would not assist me. 

I have since opened several disputes with XXXX and XXXX in which they updated incorrect information such as an address associated with me in XXXX Arizona that is not an address or a state I have ever lived. They refuse to remove this account from my credit history and claim that it is mine but it is not my account. I have had a strong credit history for years now and this is damaging it and I do not want to pay money for an account that is fraudulent and was never applied by me. The fact that the last name is a name I have never used should be a telling sign that this is not my account along with the fact that I have not been late on any payments with any CC companies for years now even through the COVID shut down. 

I have since put a year-long credit fraud alert on my account but I am not sure how to remove this fraudulent charge but I do not feel that it is right that I should be hit with the damage from someone committing fraud against PayPal when they approved a card that does not match both my first and last name.

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 2021-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I was approved for a PPP loan through the SBA that was sent to my Capital One 360 Checking account on approx XX/XX/2021 and Capital One immediately froze the funds saying I wasn't eligible for a business loan and made me submit documents as proof. I submitted everything they asked for and now they will not respond to me or release the loan funds. I have been calling once a week for the past 6 months and they send me to a specific dept that and all I get is a voicemail, but nobody has EVER called me back. The loan is active through the SBA, and I only have 30 days left to apply for forgiveness, but how can I apply if I haven't used the funds??? This loan is on my credit and is public record and Capital One is taking advantage of me and soon I'll have to start paying back a loan that I NEVER got. I will start filing complaints with the SBA, the attorney general, XXXX, Federal Trade Commission and WHOEVER else I need to because what they are doing is ILLEGAL. They need to release the funds or send it back to the lender and get it off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: CA

Complaint narrative:
LETTER OF INTENT TO SUE Effective Date : XX/XX/2021 RE : Notice of Intent to File Lawsuit This letter of intent to sue shall serve as a formal notice that XXXX XXXX XXXX intends to commence a civil lawsuit against EXPERIAN due to the following : Inaccurate and invalidated credit reporting, resulting in multiple violations under the Fair Credit Reporting Act ( 15 USC Chapter 41 ), defamation of character, publicly publishing rude and obscene language in regards to XXXX XXXX XXXX and invalidated debt without consent. 
I. The Plaintiff. XXXX XXXX XXXX ( the Plaintiff ).

II. The Defendant. EXPERIAN ( the Defendant ).

III. Settlement Demand. As a result of your actions, the Plaintiff seeks relief in the form of a payment in the amount of XXXX XXXX dollars ( {$4000.00} ) due to the multiple violations committed by EXPERIAN under the FCRA, along with removal of all previously stated inaccurate accounts being reported on XXXX XXXX XXXX credit report. Notice of fault, notice of default, and an invoice have all been sent to EXPERIAN per previous certified mailings. A copy of the unpaid invoice is attached to this letter. This offer to cure and/or settle this matter outside of court and avoid a lawsuit is valid for thirty ( 30 ) days from the Effective Date.

IV. Governing Law. This Letter of Intent shall be governed under the laws of the State of California and the Federal Laws of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 
If legal proceedings are commenced against you and you are unsuccessful in defending the claim, you should be aware the Court may order you to pay the costs of legal proceedings.

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