vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-28 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: Ocwen Financial Corporation
State: MS

Complaint narrative:
PHH mortgage is reporting incorrect information to the credit bureau concerning my monthly payment. They are reporting my regular monthly payments are XXXX when they are XXXX. I have tried to talk to these people, but they insist they are not, and will not change this. I once had an escrow with PHH, and they did everything in their power to make me have an escrow account with them during the time I had my own mortgage insurance. Now they are saying I have an escrow account with them and the monthly payments are XXXX. This is not true. They are also saying I owe a balance on the escrow when I had them to close it because they were asking me to send them XXXX dollars a year just to sit in an account for mortgage when my yearly insurance premium is only XXXX. So they are reporting this to the credit bureau, which means if my monthly mortgage is XXXX, and something happens to me, and my XXXX  are left behind to pay this mortgage, or pay it off, or even if I decide to pay this off in a lump sum, this will be a problem. If they insist on saying there is a balance on an escrow account, why aren't they saying " previous escrow balance '', and not add it in the mortgage to reflect a increase in my regular monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
In my previous complaint to the CFPB [ complaint no. XXXX ] JP Chase replied via letter to me and the CFPB and asked that I be patient and they had hired counsel to process my deed for me and they said the counsel was already working with my county registrar. I gave JP chase more than 90 days before calling them back. They could not find the name of the counsel they hired and I was told the person that wrote me/CFPB no longer works in Chase 's executive department and my case had not been assigned to anyone. I said if they can not figure out who they hired, to me that implies they were not honest in their letter to me and the CFPB. I contacted my County 's Examiners of title and they said no one from Chase and no one at all has been working on my deed with the county. 

When I complained to Chase, they said they had done all they could and it was really the last " trustee owner 's '' problem and the last owner of the trust XXXX XXXX XXXX XXXX XXXX ) was Bank XXXX XXXX XXXX XXXXXXXX. 

Bank XXXX XXXX  XXXX contracted Bank XXXX XXXX to do the loan servicing. When I paid the loan off and completed my portion of the " contract for deed '' I never received my deed. 

I paid my contract in full in XXXX and the deed is still locked in a mortgage back security with XXXX bank as the registered estate owner. I completed the contract and should have received my deed. This was not a normal mortgage as I bought a VA Home from the US Government that was repossessed and the VA financed the property for me as a Contract for deed in XXXX. Then the VA sold a bunch of loans and my contract for deed got wrapped in a mortgage backed security and XXXX bank registered themselves as the estate owner of my house. The county still shows XXXX bank as the estate owner of my house. JP Chase ( formerly Chase XXXX ) is the FDIC approved & merged successor for XXXX Bank. The county said I need need to provenance of the deed from XXXX to Chase to XXXX and then of course also Bank XXXX XXXX, the servicer, as XXXX is the one that sent me my final letter in XXXX congratulating me on completing my loan and fulfilling the contract. 

The Parties in this mess are : XXXX Bank, Chase XXXX, JP Chase, XXXX XXXX XXXX XXXX XXXX, and Bank XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I reached out to Equifax customer service several times to resolve the fraud issues with inquiries on my credit report. There was an fraud placed around XXXX XXXX and one had been on there before that. Due to all the data breaches the company has had. My information is on the XXXX web and someone had used my information to open an bank account and tried to get credit cards and vehicles in my name. I tried to get the inquiries removed but I was being given a hard time and I faxed over fraud records but nothing happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: Bliksum, LLC
State: CA

Complaint narrative:
1-This company called ( Loanme ) is involved in reporting erroneous information about me to XXXX  at the status level where they write : Charge-Off. 
For recall, the account was settled and paid therefore the status shouldn't be charge-off anymore. 
I have attached proof of settlement and paid off on my complaint.

2-This company ( loanme ) is also reporting wrong address information about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: PA

Complaint narrative:
The three credit reporting agencies ( Transunion, XXXX, XXXX ) have not properly investigated my disputes. In most cases, they have either not investigated my disputes at all, or, simply relied on what the creditors have told them with no documents to support verifying the disputed accounts. Transunion and XXXX have also prevented me from submitting online factual disputes. 

I repeatedly requested details from my investigations, but I was not provided with the information. I have not received information regarding their methods for investigating my disputes, who they contacted, or any information that supports their opinion that these accounts are reporting accurately. The bureaus are verifying my inaccurately reporting accounts as accurate without conducting proper and legal investigations. 

These are violations of my rights. 

I submitted disputes for the following accounts, for various inaccuracies, but the Credit Reporting Agencies ( XXXX, Transunion, XXXX ) have illegally returned these disputed inaccurate accounts as verified. They are violating my rights and I want them to stop. 

XXXX # XXXX - Credit reporting agencies ( Transunion, XXXX, XXXX ) are updating this account even though it is closed. On at least one of my reports, ( XXXX ) the CRA  is reporting 30 chargeoffs after 2018 the year the account was closed!!! There should be no activity reporting after an account has been closed. This is a serious violation of my rights and needs to be addressed. 

XXXX states, " our role is to review accuracy and completeness of any disputed item '', but they have not done this for me. They are not performing their legal role. 

XXXX XXXX # XXXX Inaccurate Account. Credit reporting agencies, report this account without credit limit and highest balance. Illegally verifies account, stating it is accurate. 

XXXX  XXXX # XXXX I disputed for inaccurate payment history. CRAs verified account with no explanation. They did not provide proof such as furnishers bank statement or my payment history from furnisher. 

XXXX XXXX XXXX Disputed for inaccurate payment history. Account disputed was returned as verified with no proof or explanation. The CRAs only relied on the opinion of the furnisher with nothing to support it. 

XXXX XXXX XXXX The CRAs are reporting activity on this closed 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 non-monetary relief
Consumer complaint received 2021-12-28 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: PA

Complaint narrative:
The three credit reporting agencies ( XXXX, XXXX, Equifax ) have not properly investigated my disputes. In most cases, they have either not investigated my disputes at all, or, simply relied on what the creditors have told them with no documents to support verifying the disputed accounts. XXXX and XXXX have also prevented me from submitting online factual disputes. 

I repeatedly requested details from my investigations, but I was not provided with the information. I have not received information regarding their methods for investigating my disputes, who they contacted, or any information that supports their opinion that these accounts are reporting accurately. The bureaus are verifying my inaccurately reporting accounts as accurate without conducting proper and legal investigations. 

These are violations of my rights. 

I submitted disputes for the following accounts, for various inaccuracies, but the Credit Reporting Agencies ( XXXX, XXXX, Equifax ) have illegally returned these disputed inaccurate accounts as verified. They are violating my rights and I want them to stop. 

XXXX  # XXXX - Credit reporting agencies ( XXXX, XXXX, Equifax ) are updating this account even though it is closed. On at least one of my reports, ( XXXX ) the CRA is reporting 30 chargeoffs after 2018 the year the account was closed!!! There should be no activity reporting after an account has been closed. This is a serious violation of my rights and needs to be addressed. 

XXXX states, " our role is to review accuracy and completeness of any disputed item '', but they have not done this for me. They are not performing their legal role. 

XXXX XXXX # XXXX XXXX Account. Credit reporting agencies, report this account without credit limit and highest balance. Illegally verifies account, stating it is accurate. 

XXXX XXXX # XXXX I disputed for inaccurate payment history. CRAs verified account with no explanation. They did not provide proof such as furnishers bank statement or my payment history from furnisher. 

XXXX XXXX XXXX Disputed for inaccurate payment history. Account disputed was returned as verified with no proof or explanation. The CRAs only relied on the opinion of the furnisher with nothing to support it. 

XXXX XXXX XXXX The CRAs are reporting activity on this closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: NC

Complaint narrative:
This is the 2nd complaint I have had with this issue with Equifax. When I called them directly they informed me they did not have my FTC report and once they received it then they would delete the information off of my report. They were provided a copy of my FTC Theft report and the information remained. I called them on XX/XX/2021 to inquire as to why they were not removed after I followed their directive. I spoke with XXXX ( XXXX ) and informed him of what I was instructed to do. He put me on hold for a minute and came back and informed me my report was invalid and the information wasn't deleted was because the inquiries did not have dates beside them. Once that was done then I needed to submit it again to CFPB and it would be taken care of within five ( 5 ) days. I informed him I didn't understand why since I did not have to do that with the other XXXX bureaus and I was not informed to do that when I called the last time. I also informed him I was sure the calls were recorded so he could check the accuracy of my statements. I informed him I would provide another FTC report and file ANOTHER complaint and upload it on the CFPB website. 
Again I have not had this issue with XXXX or XXXX. They have been extremely helpful in informing me the first time of everything that needed to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: NY

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Equifax efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Equifax is reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: OH

Complaint narrative:
I received an email that had the wrong SSN and wrong information with my name attached to some accounts on my credit report. The statement in EXPERIAN wasn't made by me which makes the information is fraudulent and I demand that each account be deleted immediately. The statement in the EXPERIAN report wrong numbers asking to verify information to me using wrong phone numbers and adding wrong XXXX numbers. 
The accounts that are not mine : XXXX XXXX XXXX, XXXX, XXXX & XXXX XXXX My correct information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
Hi I am writing you because I have experienced some issues with my bank which is with Chime and on XX/XX/XXXX & XXXX my money was taken from a hacker from my account and was not authorized by me I have filed a dispute with chime and filed a police report proof of authorization showing it and still nothing and they keep saying they not giving my money back and I feel like my money is not secured and I feel chime should be accountable for this cause its ridiculous that my money I worked hard for to be taken away like that if theres anything you can do for me it will very much appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: MS

Complaint narrative:
XXXX XXXX  is reporting incorrect information to the credit bureau concerning my monthly payment. They are reporting my regular monthly payments are XXXX when they are XXXX. I have tried to talk to these people, but they insist they are not, and will not change this. I once had an escrow with XXXX, and they did everything in their power to make me have an escrow account with them during the time I had my own mortgage insurance. Now they are saying I have an escrow account with them and the monthly payments are XXXX. This is not true. They are also saying I owe a balance on the escrow when I had them to close it because they were asking me to send them XXXX dollars a year just to sit in an account for mortgage when my yearly insurance premium is only XXXX. So they are reporting this to the credit bureau, which means if my monthly mortgage is XXXX, and something happens to me, and my XXXX  are left behind to pay this mortgage, or pay it off, or even if I decide to pay this off in a lump sum, this will be a problem. If they insist on saying there is a balance on an escrow account, why aren't they saying " previous escrow balance '', and not add it in the mortgage to reflect a increase in my regular monthly payment.

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 2021-12-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I find my self here again because Bank of America keep approving and denying my claims when they are clearly fraudulent transactions this is not making any sense Im XXXX because I could not pay my bills because this nano refuses to do the right thing because I will continue tomlalemky complaints until I am heard and treated fairly I want my money from this bank at once Im tired of this my card never made it tommenunt yo p now amd now Im dealing woo theyre XXXX i at least asked for the claim in the amount of XXXX to be fixed and I keep getting the run around before being approved I want my money today tomorrow now my complaint will pile until this is resolved I hate that I have to fight with a bank that chooses criminals over their own customers

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 2021-12-28 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: NC

Complaint narrative:
I have a Bankruptcy reporting on my Transunion, XXXX, XXXX and XXXX. 
This information that they are report is not true and they need to delete it. I have send in the letter from the US Bankruptcy Court Clerk XXXX XXXX XXXX # XXXX, XXXX, NC XXXX on XX/XX/2021 and have not received a replay or removal from the Credit Bureau listed above. The letter I received from the Courthouse states that they do not report Bankruptcies to the following Credit Bureaus and they are reporting incorrect information that is ruining my credit and chance to buy a house.

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 2021-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: IL

Complaint narrative:
My previous Mortgage Servicer, XXXX XXXX, placed me onto a repayment plan that started XXXX. My new Mortgage Servicer, Selene Financing, began officially as my new servicer XXXX. My first repayment was sent to them via USPS certified mail and Selene Financing has since stated that XXXX ) My home is in foreclosure XXXX ) They will not honor the payment plan in place with the previous mortgage servicer as they do not make arrangements of repayment for that many months of past due payments & that I will have to re-apply with them. Then I received a modification application from Selene Financing a few days ago, well over a week after the date it was due to be faxed back to them. This is after I had explained to them that I was not seeking a modification but that I wanted to stick to the repayment plan already agreed to with XXXX XXXX. 
I still have the XXXX payment ready to over-nite to them as they are the same as XXXX XXXX, in that you have until the last day of the month for them to receive it in the month that it is due. But I do not want to send it if they will not confirm and acknowledge my repayment plan made with XXXX XXXX that was already set prior to them taking over my mortgage payments servicing. Otherwise, they will just keep it and state that it is money owed but meanwhile continue on with the foreclosure process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
A fraudster gained access to XXXX XXXX 's email account - and, in turn, accessed his Wells Fargo account ( he was using the same email and password for both ). On XX/XX/XXXX, the fraudster deposited a {$4500.00} fake check ( I can supply a copy of the fake check that Wells Fargo Fraud Department sent to us ) and then withdrew {$1000.00} via XXXX to XXXX XXXX XXXX XXXX on XX/XX/XXXX and {$500.00} via XXXX to XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX. The fraudster also accessed XXXX XXXX XXXX app and sent {$500.00} as " Purchase Authorized on XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX CA XXXX Card XXXX ''. 

We reported the theft on XX/XX/XXXX when my son received notification that his account was in the negative and reported the crime immediately to Wells Fargo. We are dealing with Wells Fargo now, and have also filed a claim with the XXXX XXXX Police Department ( CONTROL # XXXX ). We have not heard from the police though XXXX has called them numerous times with no response. 

Wells Fargo has credited us {$500.00} for the XXXX transaction, but is refusing to credit XXXX the other {$4000.00}, so XXXX has not had access to any of his other money that was in the account before the theft. Wells Fargo has denied our claims TWICE so far, without looking at his affidavit the first time... 

XXXX completed and signed an affidavit attesting to the fact that he did not do any of the fraudulent transactions nor did he allow or permit anyone else to do the fraudulent transactions. XXXX does not know who did this nor does he know XXXX XXXX. 

We are requesting that the FBI, Wells Fargo, the police... anyone who has the authority, to please find the fraudster and prosecute to the fullest extent of the law. We also are begging Wells Fargo to credit XXXX XXXX account so that he can access his hard-earned money! Wells Fargo has been exceedingly rude and disrespectful, never calling us nor following up with us to let us know they were denying our claims or why. We have deposited our paychecks into our Wells Fargo accounts because we had trust in them that our money was secure, yet they refuse to give us the same courtesy back to us.

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