vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I was sent a letter stating that my payment would increase unless I paid an escrow shortage. I submitted the requested payment of XXXX. The following month, I received a call informing me that my payment had not been received and they wanted to make payment arrangement. 

My payment is made via my banks auto pay so I knew it was made. Upon research, he then told me the payment was received but it wasn't enough to been cover my amount due, so that payment had been suspended until the full payment was made. 

I explained that my payment is made automatically every month for the same amount. He then saw that my payment had increased by approximately 100.00. I asked why did my payment increase when I submitted the escrow shortage, and  was told the payment was mistakenly applied to the principal instead of the escrow shortage. I was then told that my monthly payment would continue to be suspended until they corrected the error, which should take a few weeks. In the mean time to keep making my regular payments at my current amount due. 

I received more calls saying my account was deliquent. Despite making the monthly payments as directed. I had to explain what I was told and after reviewing the account and notes they directed me to keep doing as I was. 

Then received several notices of Intent to Foreclose from a company XXXX XXXX   on behalf of PHH mortgage. As well as a notice of late fees applied. I called to find out what was going on and was told that my payment had not been received until after the past due date. Which was false. There records show that they received my payment on the XXXX and didn't apply it until the XXXX. Then charged me a XXXX late fee, and also sent an un I ask that you investigate this event and see if this is a pattern of fraud by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: LEXISNEXIS
State: GA

Complaint narrative:
This complaint is against Lexis Nexis, on or around XX/XX/19 I received information that this company is reporting a bankruptcy record to bureaus. I contacted the company on XX/XX/19 with my concern and was responded to by XXXX on XX/XX/19 advising that there is no such record, which I found odd because they have been the ones reporting it. I also advised that I reached out to the courthouse in XXXX and they advised that they do not report nor verify public records to third parties ; and I was confused as to where it came from, he advised they would dispute the information and send me an updated report. Fast forward to XX/XX/19 I receive two packets from Lexis Nexis concerning the investigation in question over 300 pages and to my surprise all of the information well 90 % of it belongs to my XXXX sister, they have transposed so much data its ridiculous. I placed another call to lexis nexis and spoke to a young man who had no sense of customer service and not even understanding my frustration. I dispute information on my report as inaccurate and your defense is to send me a letter stating that the information has been verified, with a report of over 100 pages of inaccuracies. I have tried to remain calm and allow them to fix this error, not even knowing that my whole file with them is an error that they are reporting as if it is factual. I have the email from XXXX telling me how he searched the records and there is no public records for me, provided him with information as to how the courts do not provide that information to any third party so for them to have it or to get it from someone else is a complete falsification, I went down with my ID and wasn't able to get anything because there is no public record belonging to me, then they add an additional bankruptcy in Florida that belongs to my XXXX sister, her addresses, her professional licenses, her inquiries, I am not a registered nurse nor am I a nursing assistant never have been either. Something needs to be done about this I can only imagine the amount of people they are providing inaccurate information on. They may not care but my score is important to me as well as the information that plays a factor in said score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I notice that my credit report was ran without my consent on XX/XX/2019 by XXXX XXXX XXXX. I have been a victim of Identity theft and I been trying to reach out to the creditor to have this inquiry removed along with the other inquiries that were placed on my credit report from the banks they used with no resolve or help. I have contacted the creditors and they some said it will be removed from my report, but after 30 days it still shows. This is unacceptable and XXXX XXXX XXXX and the other creditors XXXX XXXX, XXXX XXXX, XXXX XXXX, Capital One and others havent been any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I notice that my credit report was ran without my consent on XX/XX/2019 by XXXX XXXX XXXX. I have been a victim of Identity theft and I been trying to reach out to the creditor to have this inquiry removed along with the other inquiries that were placed on my credit report from the banks they used with no resolve or help. I have contacted the creditors and they some said it will be removed from my report, but after 30 days it still shows. This is unacceptable and XXXX XXXX XXXX and the other creditors XXXX XXXX, Wells Fargo, XXXX XXXX, XXXX XXXX and others havent been any help.

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 2019-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
On XX/XX/XXXX I opened a CIti checking and Savings accounts as a result of a {$500.00} advertised promo I got in the mail. In early XX/XX/XXXX I contacted Citi to verify what else is needed for me to get the {$500.00} promo, they told me that my account wasn't eligible for the promo. That was the only reason i opened the 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 2019-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
From looking at my credit from XXXX, I clicked on what I needed to fix on XXXX. I realized I had a huge problem when I went to the XXXX XXXX   website and could not identify myself. I am asked 5 security questions only I would know the answers to ( same questions that were asked online off their website, and on the phone when I tried to get through customer service ). XXXX   automated system asked me of like, " In 2014 (? ) you have made a car loan. Where was the location? XXXX, TX, etc. '' I have never made a car loan, student loan, or even had a credit card under my name. I chose the answer " none of the above '' on all 5, because every question was something I did not know the answer to. I was told they were not able to identify me. 
Please help me what I can do from here. I have already filed a complaint to FTC. I wish to file a report to the police department, but I do not have evidence of places I never applied a loan to because I can not get into XXXX. 
I am XXXX yrs old, a single mother, and this is the first time I'm ever going through this in my life so I have no idea what the next step is, or what is exactly going on.

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 2019-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I opened my business PayPal account on XX/XX/XXXX to prepare for accepting registration for a continuing education conference to be held XX/XX/XXXX. We opened registration for the conference on XX/XX/XXXX. Paypal flagged the account for review on XX/XX/XXXX. I submitted the requested documents on XX/XX/XXXX. I received an email stating that Paypal would no longer offer us services and would hold the money in our account for 180 days on XX/XX/XXXX. I called and spoke with a representative who said that he would escalate the case for a review after I explained our business and standard conference planning timelines. I was told I would receive an email about it within 24-48 hours. I did not receive an email, so I called again on XX/XX/XXXX. I was told that no appeal was filed and that no appeal could be filed. The decision was permanent and none of the three people I spoke with would be able to explain why our account was terminated. The representative also refused to further escalate my complaint to a higher authority within the company. The documents they requested to review did not adequately describe and define the business we are conducting and there was not a sufficient space provided to give a clear picture of our business. After making their decision based on incomplete information, they would not accept any further documents to inform their decision. I then emailed several Paypal executives whose email addresses are available online and submitted a XXXX XXXX XXXX   complaint in an attempt to make contact with someone with more authority to help me. I have not received a response. 

In the process of seeking resolution, I also discovered that the 180 day hold of funds is illegal - in California where PayPal is headquartered, in Arizona where my XXXX was formed and in Florida where I live and conduct business. PayPal has actually been sued and settled a class action law suit ( Zepeda, et al ) for similar behavior. This activity on PayPal 's part is unfair because they are holding my funds for an unreasonably long time and are, in the mean time, generating income for themselves by collecting interest from the investment of my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I notice that my credit report was ran without my consent on XXXX by XXXX XXXX XXXX. I have been a victim of Identity theft and I been trying to reach out to the creditor to have this inquiry removed along with the other inquiries that were placed on my credit report from the banks they used with no resolve or help. I have contacted the creditors and some said it will be removed from my report, but after 30 days it still shows. This is unacceptable and XXXX XXXX XXXX and the other creditors XXXX  XXXX, XXXX, XXXX XXXX  and others havent been any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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:
In XX/XX/XXXX, I disputed an account reported by XXXX XXXX XXXX XXXX XXXX in the sum of {$3500.00} in the file Equifax maintained under my social security number. 

I was informed by Equifax on XXXX XXXX that the item WAS deleted from my Equifax credit report. 

Now I have discovered XX/XX/XXXX that the item has been reinserted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
We were directly hit by Hurricane Irma in XXXX of 2017. At this time I lost my job due to the hurricane and took advantage of a program that my mortgage company sent me via email to pause my monthly payments for up to 6 months - at no cost and was told several times this would not affect my credit. 

I submitted all paperwork more than once and the entire process was beyond stressful and awful. 
I am in the process of refinancing my home and have been told that Amerihome Mortgage Company reported that I missed a mortgage payment - I did not at any point miss any payments.

This has impacted my credit score and I am unable to get any kind of loan!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: NY

Complaint narrative:
Not my 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 2019-10-21 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: OK

Complaint narrative:
i have submitted identity theft report, they chose to fix some issues and ignore others under FCRA 611 ( 15 U.S.C 1681i ) they are to re-investigate. i have attached the report and some of my credit report to be investigated, and have circled the one i believe are not mine.

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 2019-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: NV

Complaint narrative:
Harris & Harris from XXXX calls my work phone XXXX with a robocall debt collection message almost every single day for a debt that is not mine. It's been almost a year since I started a new job with this phone number. It's just a machine that calls with the exact same message, and there's no way for me state that they have the wrong number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I tried to submit an error in esperian credit report, and the phone agent told me to upload files that solve the issue at https : //www.experian.comXXXX. The upload did not work. Then i was told to challenge this error on experian.com as a member at the dispute center. The dispute center said that it was having technical issues. I was told again by the phone agent that they had been having troubles and to keep trying and " maybe it will start to work ''. This issue has extended for days. 

The impact to me is that we are in the process of getting loans, and waiting 30 days plus is not acceptable. If Esperian has incorrect credit information, it should have a functioning process to immediately receive information and resolve the issue. 

From their actions, and many days that it has not been working, it seems they are not taking this seriously and do not have the best interest of the consumer at heart. I can only speak for the days I have tried to use their system. It could have been broken for weeks or months.

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 2019-10-21 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: NY

Complaint narrative:
Not my 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 2019-10-21 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: NY

Complaint narrative:
Not my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21 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: TX

Complaint narrative:
I am a " documented '' victim of the 2017 data breach from XXXX. I have several inquiries pertaining to someone attempting to obtain credit. Please remove them.

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 2019-10-21 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I notice that my credit report was ran without my consent on XXXX by XXXX XXXX XXXX. I have been a victim of Identity theft and I been trying to reach out to the creditor to have this inquiry removed along with the other inquiries that were placed on my credit report from the banks they used with no resolve or help. I have contacted the creditors and some said it will be removed from my report, but after 30 days it still shows. This is unacceptable and XXXX XXXX XXXX and the other creditors Ally Finical, XXXX, XXXX XXXX and others havent been any help.

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 2019-10-21 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: CORELOGIC INC
State: IL

Complaint narrative:
I notice that my credit report was ran without my consent on XX/XX/2019 by XXXX XXXX XXXX. I have been a victim of Identity theft and I been trying to reach out to the creditor to have this inquiry removed along with the other inquiries that were placed on my credit report from the banks they used with no resolve or help. I have contacted the creditors and some said it will be removed from my report, but after 30 days it still shows. This is unacceptable and XXXX XXXX XXXX and the other creditors XXXX XXXXXXXX, Credco, XXXX Auto and others havent been any help.

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 2019-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
I, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX have paid ahead on my mortgage with New Rez AKA Shellpoint Mortgage where my next payment is not due until XX/XX/XXXX. My loan was approved for cancellation of the monthly private mortgage insurance premium as of XX/XX/XXXX, where my last payment for the private mortgage insurance would be collected in XX/XX/XXXX per New Rez. It is my belief that New Rez Shellpoint Mortgage is obligated to refund me for the mortgage payments made in advance that would include the monthly private mortgage insurance payment of {$100.00}. Unfortunately the monthly statements they have provided all neglect to disclose my monthly payment breakdown. I have also made a request to have my escrow account refunded as I would like to opt to pay my homeowner 's insurance and property taxes on my own. I am under the 80 % loan to value requirement where I believe it is my right to choose to discontinue the escrow account so I can handle those obligations on my own.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Credit Reporting Act ( FCRA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FCRA.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation