vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I am writing to you once again as now I have made three trial payments on my modification, once again. The company XXXX XXXX, PHH, Ocwen are going back ion a promise and the method in which they explained they would remove my former Wife 's name. This is an outrage, I have been living with this since 2016. This was their mistake and I am being punished for following what they told me to do. I need government intervention immediately PLEASE SEE THE UNDERLINED SECTION OF A LETTER FROM OCWEN XXXX ATTACHED

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
On my credit report Jefferson Capital Systems inaccurately reported the date my debt was opened as XX/XX/XXXX, when they confirmed over the phone that it was XX/XX/XXXX. They refuse to correct it because they have to list the date they acquired my debt. Thats not at all what date opened means when looking at a credit report. Date opened means the date the account was opened not the date some company acquired my debt. Every other debt company works the same way but Jefferson Capital Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: Credit Karma, LLC
State: NY

Complaint narrative:
on XX/XX/2021 I logged into my credit karma account to check possible auto loan refinance rates. I was taken through a very general prompt. I was never specifically told that my credit was going to be checked for this request. I was under the impression that my credit will not be checked and I will be displayed rates on a pre-approval basis, more like a soft inquiry. Once I was alerted of an inquiry on my report, I checked my report and found two credit inquiries from XXXX XXXX. I never followed through with them after my initial request and was not aware that they checked my credit. I called them on XX/XX/2021 to have these inquires removed and they told me they won't remove the inquiries because I should have known credit karma will check my credit. This was completely false, there was no disclaimer on Credit Karma. I would like them to remove the two inquires placed on my credit report on XX/XX/2021 and XXXX. I still don't understand why they checked my credit twice. The impact of these inquiries resulted in my long standing credit card lowering my credit limit as well as my credit score dropping 10 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08 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: AZ

Complaint narrative:
I requested my credit report from Transunion under the 1 free credit report per year. 
I was given access to only part of the report and did not include the credit reporting number. 
I did the same with XXXX and XXXX and both provided the number free of charge. 

I spoke to a customer service person and then the supervisor XXXX .... Supervisor ID # XXXX. He advised me Transunion was not obligated under the law to provide the credit number only the body of the report. 

My complaint is that this interpretation of the law is incorrect. I request that FCC or CFPB require Transunion to include the credit reporting number.

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 2021-06-08 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: OH

Complaint narrative:
ON XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I received an email from XXXX XXXX XXXX that Capital One did a hard credit check on me, I Have never used Capital one credit cards or auto loans. 
Here is what the email said : New Credit Inquiry It looks like someone viewed your credit report. 
To see details visit https : XXXX What this means An inquiry is a record created when someone checks your credit information. This usually happens when you apply for a new line of credit. 
Credit information provided by XXXX. If you have questions, please visit our Help & support page at XXXX XXXX XXXX for more information. 

Entry on XXXX XXXX XXXX : NEW ACTIVITY Financial services XX/XX/2021 New Inquiry CAPTIAL ONE An inquiry is a record of someone checking your credit information. This usually happens when you apply for a new line of credit. 
How it impacts your score Inquiries can cause your credit score to dip a little, but it usually recovers over time. 
Still have questions? 
If you think this might be a mistake on your report, you can file a dispute. 
Go to Help & support to get answers to frequently asked questions about credit alerts. 
Learn more about credit Visit our Credit Insider section for helpful credit-related resources and info.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX, contacted Mr. Cooper to speak with an agent regarding how they can help me and my husband with our loan. I think we were about 1 month behind on our loan at that time. She explained to me all the options available, but told me that they would put us on the forbearance program from XX/XX/XXXX to XX/XX/XXXX, and that I was to check in and let them know if anything changes in our present status. On XX/XX/XXXX, we were approved for forbearance. On XX/XX/XXXX, I checked in to let them know our status had not changed and could not afford the high payments and interest because we had moved out of town in XXXX of XXXX. We paid our payments up until around XXXX of XXXX. Because of renter, repair, and maintenance, loss of income, it put a strain on our mortgage in our new town. I told her that we are considering initiating a Deed In Lieu of Foreclosure. I was told that she would send me a Statement of XXXX, to fill it out and fax back to them and to make another login for the Deed In Lieu account. On XXXX, we filled the form out and attached a copy of our drivers licenses, and faxed all to Mr. Cooper. We never heard from them about the appraisal the agent told me they would have to make on the property to see if it qualified. We started receiving mail from a XXXX XXXX. We hadn't heard from Mr. Cooper, so I didn't open the mail at that time. I just kept it in the file. Our mortgage insurance company for the property called on XX/XX/XXXX at around XXXX am to inform us that someone was trying to calling to change the name on our property insurance and they wanted to see if we had allowed it. We didn't know what was going on so the agent said she wouldn't do anything until she hears from us. When I got to read the mail that was sent in from XXXX  The agent said that I wasn't authorized to talk to them. I'd have to send another authorization for them to talk to me. I tried to email them but I didnt have the correct one. Tried to call them back but no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To begin with, I did not authorize or give consent to TransUnion or any other agency to furnish information related to me. 

I XXXX XXXX, have been receiving harassing phone calls from some debt collectors. All of the debt collection agencies are committing actions that are prohibited by law. It is my understanding that debt collectors may not harass, oppress or abuse debtors or any third parties they contact. I have also been threatened to be taken to court if I do not pay these debts. These phone calls are completely oppressive, harassing, and burdensome. 

Following these harassing phone calls, I performed a review of my credit report, and I discovered that your agency shows some unauthorized accounts that I find to be detrimental to my credit. 

Please be advised that the companies performing the harassing phone calls are listed below. 
1 ) XXXX XXXX XXXX / {$560.00} 2 ) XXXX XXXX XXXX / {$14000.00} 3 ) XXXX XXXX XXXX / {$14000.00} 4 ) XXXX XXXX / {$2900.00} 5 ) XXXX XXXX {$5100.00} 6 ) XXXX XXXX, XXXX / {$9100.00} 7 ) XXXX XXXX XXXX / {$300.00} 8 ) XXXX XXXX, XXXX / {$280.00} 9 ) XXXX XXXX XXXX / {$10000.00} 10 ) XXXX XXXX / {$1100.00} To repeat, these transactions occurred without my permission. 

I would like to request removal of the above items from my credit report, which are the result of me being a victim of identity theft. This information does not relate to transactions that I have made/accounts that I have opened. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act, 15 U.S. Code 1681, 15 U.S. Code 1692g and 15 U.S. Code 1601.

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 2021-06-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MO

Complaint narrative:
After making several requests Firstmark has refused to provide documentation regarding my Student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: RateGenius Loan Services Inc
State: NY

Complaint narrative:
on XX/XX/2021 I logged into my XXXX XXXX account to check possible auto loan refinance rates. I was taken through a very general prompt. I was never specifically told that my credit was going to be checked for this request. I was under the impression that my credit will not be checked and I will be displayed rates on a pre-approval basis, more like a soft inquiry. Once I was alerted of an inquiry on my report, I checked my report and found two credit inquiries from Rate Genius. I never followed through with them after my initial request and was not aware that they checked my credit. I called them on XX/XX/2021 to have these inquires removed and they told me they won't remove the inquiries because I should have known credit karma will check my credit. This was completely false, there was no disclaimer on XXXX XXXX. I would like them to remove the two inquires placed on my credit report on XX/XX/2021 and XXXX. I still don't understand why they checked my credit twice. The impact of these inquiries resulted in my long standing credit card lowering my credit limit as well as my credit score dropping 10 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: NJ

Complaint narrative:
Please help! I am submitting this complaint in regard to the negligent and unauthorized reporting of fraudulent accounts on my report. I have submitted an FTC complaint and affidavit alongside my proof of identity. I have submitted all documents in accordance with section 605B of the FCRA. The act does not require any extra information. Please remove the account with 4 business days of receipt of this complaint. I have mailed out a complaint directly to your company to the CFPB as well. Please comply with the law. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I used to hold a BankAmericard credit card from Bank of America. In mid-XX/XX/XXXX while living in working in XXXX XXXX, I had an unexpected work-related accident which caused me to be hospitalized. Ultimately, I had to leave work on FMLA and return home to XXXX XXXX I was struggling to make payments with many lenders, especially due to the very high cost of COBRA and due to ongoing procedures needed from the accident. My other creditors agreed to either defer, lower or else alter the terms of repayment ; but, Bank of America refused and didnt care. I continued paying until I no longer could. In mid-fall XX/XX/XXXX, I called and spoke with a female representative, explaining my situation. Her direct order to me was to stop paying [ my bill ]. I questioned whether this would become charged-off, why she would advocate for that, and if she would kindly escalate the call. She simply repeated herself to not pay it, and she continued refusing any escalation, despite my ongoing requests. I finally advised her that I would likely not pay, per her instructions ; and she advised that I would be okay and that the bureau reporting would be OK. However, they did report it as late/delinquent, and it was indeed charged off. I am now unable to obtain credit, such as to support myself in XXXX school, because of this and similar situations. Bank of America was hostile, vindictive, manipulative, unfaithful and simply didnt provide customer service ( would NOT escalate the call ). This charge off is unfair. They have repeatedly refused to amend my various credit reports despite repeated attempts.

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 2021-06-08 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: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
This is existing complaint that was closed and I was locked out could not respond. 
XXXX I attempted to pay the payment before 30 days. You show on your system PROOF that I tried 6 times! How dare you not change my credit. I have paid over the phone for almost 2 years nothing was wrong with my account. It was your system. I tried to pay with a rep due to the automated problems but you were closed and you know that I attempted to pay before the 30 days you say It in your response. Number 2. The reason I did NOT pay sooner. I did call Bmw financial services and a rep told me to wait to pay my payment after my car accident/flood Incase the car was a total loss, conversation was in XX/XX/XXXX or XXXX. Your calls are recorded listen!. Your response is incorrect I did not end up having a total loss and its out right disrespectful telling me I should try sooner to pay my bills. But your Road side assistance took 2 months to refund me towing expenses that are supposed to be included in my lease agreement. This was twice the amount of my car payment. You owed me money!! This is the XX/XX/XXXX late. I will never ever buy a bmw! Im buying a home and you ruined my credit! This company is discriminating who they want to help. I have spoken to the Cfpb and they have provided me with legal resources which is going to be the next step if this is not taken off. This is the last time Im speaking to Bmw Financial to change all lates on my credit. I have sued a company in the past and won XXXX for discrimination. Im not playing with Bmw. You think you can mistreat people and get away with it. Your reps call back recently and sound like robots! Always making excuses saying road side assistance has nothing to do with your company when its BMW! You keep ignoring this fact when one effected the other. Someone was supposed to call me from road side assistance they didnt!

My other issue later in the year the pandemic My mother caught XXXX  I could not make the payment being in XXXX the phone dials out in XXXX but it does work in XXXX but you probably cant see the issue. I DID call. Knowing Im in XXXX due to my mother catching covid your company is heart less and choose who you want to help during a pandemic. I know some one who has received help from Bmw that is why Im saying this! Stop fighting your customers and help them. I will not stop until this is off. Im very upset now reading the lies in your first response by XXXX XXXX have someone else review it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2021, I used citi bank ATM machine to make a payment of my citi bank credit card outside of the bank which is located in XXXX XXXX XXXX XXXX XXXX XXXX, CA at XXXX. I put XXXX dollar bills ( total amount is {$460.00} out of {$1000.00} : I planned to make a payment of {$1000.00} so I put some amount of cash first ) in ATM after that, suddenly the transaction was closed without payment confirmation. The receipt said " I am sorry. Due to quality issues I can not accept one or more of your bills. Because technical problems, I can't return your cash right now. '' That means, there was ATM technical issue. ATM ate my cash without payment. Right after that happening, I went into the bank and I explained it to ask for returning my cash. However, they said they can not do anything and suggested to wait until tomorrow without any confirmation. So I asked to call customer service to dispute this issue. I was talking with a banker, XXXX XXXX. XXXX and her phone number is XXXX XXXX XXXX. As of today, there is no solution or any action from Citi bank. I am afraid I may loose my money. Please investigate this issue ASAP to protect a consumer rights. 
I attach the receipt and screen captures of the ATM machine to prove there was issue when making a 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 explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
I have a federal consolidation loan. My wife and I went through a chapter XXXX bankruptcy. We made the student loan payments as part of our monthly amount dictated by the federal trustee. We made 60 consecutive payments. However these payments do not count towards our 120 payments for PSLF program according to Fedloan. This is absurd. 60 straight monthly payments, directed by a federal Court, should absolutely count towards the 120 necessary for the PSLF program. 

This is criminal that they do not count. Please help me get the credit for payments that I deserve. 

Current interpretation amounts to financial double jeopardy.

Company response to consumer: Closed with explanation