vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: ID

Complaint narrative:
We purchased our house in XX/XX/XXXX the Assignment of Deed of Trust was signed on XX/XX/XXXX but was not recorded until XX/XX/XXXX. The closing date on the trust that the mortgage was put into closed on XX/XX/XXXX and that makes it that the assignment was not recorded in the right time frame for the trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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 applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX HAS ADDED A 30-DAY LATE CHARGE TO MY ACCOUNT. ORIGINALLY, XXXX XXXX XXXX SWITCH COMPUTER SYSTEMS WHICH CHANGED MY USERNAME AND WOULD NOT ALLOW ME TO LOGIN. I TRIED TO  RESOLVE THIS, HOWEVER I HAD NO SUCCESS WITH THEIR AUTOMATED SYSTEM AS THEY SAID MY ACCOUNT COULD NOT BE RECOGNIZED. 

I CALLED IN AND MADE A PAYMENT ON THEIR AUTOMATED SYSTEM. HOWEVER, ONE WEEK LATER THE MONEY DID NOT CLEAR MY ACCOUNT AND I WAS TOLD THAT THEY NEVER RECEIVED A PAYMENT, DESPITE THE FACT THAT I DID. I HAD TO MAKE THE PAYMENT A SECOND TIME. 

I HAVE NEVER MISSED A CAR PAYMENT AND THEIR ERROR HAS CAUSED A SIGNIFICANT DECREASE IN MY CREDIT SCORE. I REQUEST THIS 30-DAY BE REMOVED IMMEDIATELY AS IT WAS THEIR ERROR.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
XX/XX/2018 I had my " XXXX XXXX '' supposedly " frozen '' and received my confirmation letter with my PIN in case I needed to unfreeze it. 

I subsequently disputed some information on my XXXX XXXX and Experian credit that keeps reporting incorrectly. Afterwards, I received a letter from both XXXX XXXX and Experian that they " validated '' their information from " XXXX XXXX ''. By law the credit bureaus are supposed to go to the original provider and if that is " XXXX XXXX '' they can not keep reporting since it has been in a " security freeze '' I recently inquired again with XXXX XXXX about errors and they stated " there is not a " security freeze '' on your XXXX. I have proof to the contrary based on Consumer Number XXXX and Case Number XXXX ( see attachment from XXXX XXXX ). 

I would like XXXX to " quit '' reporting erroneous information to my credit reporting agencies and and to quit " falsely '' stating I did not request a " security freeze. " >

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 2020-01-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
XX/XX/2019 a purchase was made with XXXX. I called told them my travel location/dates. They negotiated a price with XXXX. The representative of XXXX said ok we have everything set took my card information and said well email you confirmation. XX/XX/XXXX, was the day my flight was set. XXXX refuses to honor my ticket and told me at that time that I had a restricted ticket. This was never explained at the time of purchase. A service was never rendered and I paid XXXX dollars for this flight. I called Bank of America to dispute the charge, and they denied it stating the merchant said I signed a contract and agreed to terms which is all false as restricted terms or conditions were never stated.

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 2020-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I tried contacting this Debt Recovery Solutions company about a debt that I allegedly owe. I did not get anything in the mail regarding this debt nor was I given the opportunity to dispute it. I obtained their information from my credit report and I called them in early XX/XX/2019 to ask them to validate the debt and the person on the phone told me " You know this is you. We know that you owe this debt. '' I gave the person on the phone ( who refused to give me her full name or rep ID ) my address in order for them to send me documentation that validates the debt with a contract, dates, signature, and specific ownership of the debt. I never received anything yet the collection is still on my credit report. As of XX/XX/2019, I have noticed that the same company has added another collection, which I also have not received anything in the mail in order to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2020-01-15 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX I sent a certified letter to American Express Fraud or Billing Inquiries Department, advising them that there was an account that was opened fraudulently in my name at their institution. I also asked in that SAME letter, to be absolved of the charges made on the account and also to remove the credit inquiry that was made as well. 

I also sent a separate letter with the request tp remove the inquiry from my credit report ( s ) XX/XX/XXXX I received a response from American Express stating that they had done their investigation and determined that I in fact, would be absolved from this account. However, I needed to allow 90days for the reporting to be corrected. Great! I checked my reports and the reporting for American Express was removed, however the credit inquiry still remained. 

I resent American Express, the same exact letter from XX/XX/XXXX on XX/XX/XXXX letting them know that this was my SECOND request asking them to remove this credit inquiry. 

I, then in return, received a letter from American Express dated XX/XX/XXXX stating that they needed my social security number, because they could not " locate the application with the account number or the information you provided to us ''. 

This is the ORIGINAL CREDITOR who reported this information and the unauthorized credit inquiry and all of the past subsequent correspondence with American Express, they did not need my social security information, to remove and absolve the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been disputing a XXXX account on my credit report consistently for almost six months now and I haven't received any results or response from Experian or XXXX   throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.

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 2020-01-15 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:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BBVA FINANCIAL CORPORATION
State: KS

Complaint narrative:
In XX/XX/XXXX BBVA sent me a threatening letter asking for my attorney information and that they were ceasing communication with me. When I called to ask why this letter was sent and why they needed my attorney they could not find time to answer that question. The previous month and previous CFBP complaints they acknowledged and credited back late fees they erroneously had charged me based on their customer service. Since then I have received multiple letters with no additional insight and most recently they decided to lower my credit limit and/or close the card based on unclear/loose reasoning that appears to be targeting me since I questioned their process and filed with you, the CFBP. Today, XX/XX/2020 they received my payment for XX/XX/XXXX that did have a due date of XX/XX/2020, without any grace period to receive the payment they charged {$39.00} late fee on XX/XX/2020. Again, they seem to be quick to charge and quick to provide poor service are red line target the clients they want to have on their books.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-15 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: GA

Complaint narrative:
I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

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 2020-01-15 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: GA

Complaint narrative:
I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

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 2020-01-15 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: TN

Complaint narrative:
On XX/XX/2019 and again XX/XX/2019, I tried to dispute with XXXX under Identity Theft ( FCRA Section 605b ), yet to no avail. As a victim of a security breach I have presented the necessary Law Enforcement documents and Personal identification documents and yet no response or movement towards resolving the matter.

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 2020-01-15 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-01-15 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-01-15 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Ally Financial # XXXX is reporting a late to my account that I should not owe. My XX/XX/19 late on this account was a result of a system error on their end, I made my payment online and was told the payment went through, however their system did not actually process the payment until the account was late. This late was not my fault and it needs to be 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 2020-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2019 I filed a stolen card report with Chase Bank. I was told the information provided was inconsistent because after reported the card stolen, I used the card less ATM in the Chase Bank to handle my daily expenses therefore my reversals was denied and now my account is over drafted over {$3000.00} and was not given specific information on what further documentation was needed in order to proceed with the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Coastline Financial Resources, LLC
State: FL

Complaint narrative:
This company called my place of business and threatened to have me served with papers to appear in court for a debt from XX/XX/2014for {$1600.00}. I called them immediately and they stated I had to sign documents and agree to settle a past debt or I would be subpoenaed at work. I checked my credit reports and this debt is not on any of the reports. They are aggressive and threatening. I can not find them on the internet and they seem to be fraudulent. Please advise.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
We got behind on our house payments, because we used HERO  to put a roof on our garage, which raised our property taxes by {$2000.00} a year. We did not have an escrow account with our mortgage company to pay for property taxes. We paid them on our own. We didn't realize that the HERO program would have first lien on our property and that they could foreclose if we didn't pay them first, that was not explained to us, which caused us to fall behind on our mortgage. We were forced to file a Chapter XXXX bankruptcy to keep our home. ( We have since paid off that HERO loan ) .That being said, in XX/XX/2017, we changed homeowner 's insurance companies from the The XXXX XXXX to XXXX XXXX. My new insurance agent with XXXX sent Lakeview Loan Servicing, our mortgage company, a letter stating the change. Apparently, in the meantime, The XXXX sent Lakeview a letter stating that our insurance with them was terminated. Around XX/XX/2017, I noticed there was a {$250.00} charge in the escrow section on my mortgage loan with Lakeview. I called Lakeview to find out what that was for and was told it was for homeowners insurance. I told them I had insurance and that my insurance agent notified them of that. She said they didn't have any record of it and had tried to call me several times, but I don't answer calls from numbers I don't know unless they leave a message. No message was ever left. If a message had been left, I would have called right away. The person that was helping me, got the phone number of my agent, she called him, verified that I did have insurance and told me the {$250.00} would be removed and the next monthly statement would reflect it. When I got the following month 's statement, the {$250.00} was still on there, so I again called and the person I talked with, verified that I did have insurance through XXXX and she would make sure the {$250.00} was removed. The next monthly statement came in with the {$250.00} still in place. I called several more times and each time I talked with someone, they verified I had insurance through XXXX  and I was assured it would be removed. This has been going on for 2 years now. I spoke with my attorney about it and he wrote a letter to Lakeview and was told it would be removed. It STILL has not been removed. This is affecting my payments with them, making it look like I am behind and I am not! I have never been without homeowners insurance. There has never been a lapse in home owners insurance! They know I have it, yet they refuse to remove it from my escrow account.

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 2020-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CARD Corporation
State: NY

Complaint narrative:
Through XXXX XXXX, I searched for prepaid bank card to make purchases and pay bills online. Feared using my bank account where I have auto deposit. I pay XXXX to load my money on the card for purchases and bill 's. I went to check the balance on my prepaid card due to a airline ticket refund, XXXX XXXX. It showed the refund and the card was suspended. I could not access my money. I contacted the company and after several conversations with them, I learned that the customer service was not just customer service. When I accepted the card, I was led to believe that the card was issued by XXXX, a US FDIC insured bank. They issue the card but they can not access the account because they sell our accounts with our identification, social security numbers, birthdate, personal information and if we cash a check, they get that information and they have access to our credit reports, employment and if we use auto deposit, they also get our parole information. The disturbing problem is, the buyers are a offshore nonbank. This is who our accounts are being sold to by XXXX. They say they dont, but I asked the woman on the phone who they were because of her broken english as well as others at this phone number. After hounding her because I could not understand her, she told me how they purchase the accounts and laws don't apply to them because they are offshore, in another country, not the USA and they are a nonbank. The account is closed but they continued to pay theirselves a maintenance fee on a closed account that I am not able to access when it is my money that I paid to put on this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: CA

Complaint narrative:
I have checked my credit report with XXXX, TransUnion, and XXXX and discovered a fraudulent account in my credit report. I am a victim of identity theft, and XXXX XXXX XXXX account ( acc no : XXXX ) was opened fraudulently without my permission and concern. I disputed this account with the credit reporting agencies, and I got a result that this fraudulent account has been deleted from my credit reports. But recently, I got a letter from TransUnion reporting agency that XXXX  XXXX XXXX is reinserted back to 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 2020-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA

Complaint narrative:
I applied for a Modification with Bayview Loan servicing and they told me I can't get it due to debt to ratio which is NOT supposed to anything to due for a MODIFICATION. That is only for refinance as I have friends in the mortgage business.

Company response to consumer: Closed with explanation