vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-27 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Stage Funding
State: TX

Complaint narrative:
Cascade Financial Services has continued to report a debt on my credit report that is not mine. I have requested that this information be removed from my credit report and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 2022-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
This is in reference to Case No. XXXX. 

Capital One is still not verifying my number and their excuse is " it takes time. '' Since I first changed my number 4 months ago and again on the XXXX of this month my credit has dropped XXXX points. I have been evicted, lost my car, almost lost my job, had two accounts go into collections, and I am 4 months behind on bills. Every time I call I have to use a system that constantly freezes to verify myself. Then they told me I could not close my account until my number is verified. I got so fed up that yesterday I called and had an account added to my checking account so I can transfer my funds to another bank. God only knows how long this will take putting me further behind and destroying my credit more. I am so fed up. I will NEVER do business with this corrupt and lazy bank ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I tried to login to the Equifax website without success. I called the customer service phone number for Equifax and verified my personal information twice. I was then informed I have to mail a copy of my SSN card and DL with a cover letter requesting to unfreeze my own credit file. After speaking with a supervisor I was not offered any resolution other than to mail a cover letter with my own information that the credit bureau already has access to. Because of their ineptitude my personal business is now being delayed when time is of the essence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAND HOME FINANCIAL SERVICES
State: CA

Complaint narrative:
I contacted my mortgage company, Land Home Financial, to remove the PMI off my account because my homes value has increased significantly from when I purchased. My loan company is refusing to do so, In a letter dated XX/XX/XXXX they state that my outstanding balance is {$560000.00} and the appraised value is {$610000.00}. This is absolutely not the case as several homes in my neighborhood have sold well over {$700000.00} and my neighbors home sold recently for {$740000.00}. They have given me two options for removing PMI. 1st option is to pay down the loan by {$78000.00} and the other is to show there have been substantial improvements to the home bringing up its value. Neither of these things should have to be done as I know my homes value is today valued at more than $ XXXX. 

I called Land Home Financial on XX/XX/XXXX and they still refused to do anything about the PMI and only presented me with two options. Either pay down the loan or prove that I have made significant upgrades that would increase the homes value. Which neither are good options since my home is already valued much higher than their $ XXXX value.

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 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX is Improperly reporting late payments on my account and it is severely affecting my credit. According to the three credit bureau 's the information being reported by XXXX XXXX was accurate and verified back in XX/XX/2022, however the dates of last activity, dates of last payment, balances as well as late payment statuses are severely skewered. This affects my ability to apply for credit because it is showing up on my reports as a derogatory account, when I have been making on time payments consistently. 

According to FCRA I have a right to privacy and the right to accurate credit reporting, which the credit bureau 's are violating.

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 2022-06-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX is Improperly reporting late payments on my account and it is severely affecting my credit. According to the three credit bureau 's the information being reported by XXXX XXXX  was accurate and verified back in XX/XX/2022, however the dates of last activity, dates of last payment, balances as well as late payment statuses are severely skewered. This affects my ability to apply for credit because it is showing up on my reports as a derogatory account, when I have been making on time payments consistently. 

According to FCRA I have a right to privacy and the right to accurate credit reporting, which the credit bureau 's are violating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act, everything has to be 100 % accurate on my credit report. I submitted a Complaint ( XXXX ), for Improper use of your report, account came back as verified by XXXX. Account : XXXX XXXX XXXX Account # XXXX. The Credit bureaus stated my account had been properly investigated but how is this possible if the " date opened '', " date reported '', and " date of last activity '' is inaccurate. This ground for removal and they also violate my rights under 15 U.S.C 1681 SECTION 602 A. States, I have the right to privacy. 15 U.S.C 1681 SECTION 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-06-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
On approximately XX/XX/XXXX, I requested a repayment of all the student loan payments that I had made during the COVID-19 forbearance - roughly between XX/XX/XXXX and XX/XX/XXXX. The payments total approximately {$6800.00}. As per protocol, I made the request to my then servicer FedLoan Servicing. My loans had just gone through a series of changes in servicer. I had most recently been transferred to FedLoan Servicing from XXXX XXXX, however, the payments in question had been made to XXXX XXXX XXXX. I was told that FedLoan Servicing would have to request information from the previous servicer and this would cause some delay but that it should take no more than 90 days. 

On XX/XX/XXXX, I called FedLoan for an update. I was told that the refund request had been placed on hold on XX/XX/XXXX pending outreach to the servicer. I again clarified that all such queries must be made to XXXX XXXX XXXX as XXXX had only had my loans for a couple of months and no payments were made through them. The FedLoan representative could not tell with the information query had been sent or when the hold would be removed. I was told that the new timeline was 150 days. 

The wait has now extended beyond 150 days. I've sent another query to FedLoan Servicing but have not yet received a response. 

Thank you for any assistance you are able to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Used online International wire transfer at Chase Bank to send {$3900.00} on XX/XX/2022. Sent online complaint on XX/XX/XXXX that money was not received, told they would look into XXXX XXXX they replied that busy but working on it. XX/XX/XXXX, they have tried to contact, recall but receiving bank not replying. I should call the bank. I did and they stated they did not receive the funds, and I need to go back to XXXX. I contacted chase and asked them to provide proof of delivery thru XXXX XXXX. At this point, I was told if I want to talk to a person I would have to go to local bank for help as I was not a business customer, so i went to my local bank in XXXXXXXX XXXX  They filed and executive complaint and a person would get back to me. I have received XXXX call backs from this department after going back to the local bank and complaining I did not get a call back. The calls stated they were looking into it but too busy to find out or identify the problem. I again asked for proof of delivery so I could complain to receiving bank but they implied this was proprietary info and not for customer? It is XX/XX/XXXX, they have had my money since XX/XX/XXXX, it has not reached the intended account or bank ( from receiving bank ) and XXXX has provided no information on where the money is? or what I can do to recover the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EQUITY LOANS LLC
State: FL

Complaint narrative:
I am opening a new complaint. This lenders response was not accurate and I would like this to be re-investigated. 

We are filing a complaint against the following : 1. Equity Prime Mortgage XXXX  - State License : XXXX - XXXX XXXX 2. XXXX XXXX - State License : XXXX - Email : XXXX - Cell : ( XXXX ) XXXX 3. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX Our date of application was XX/XX/XXXX Our Loan Number is XXXX XXXX  Phone Number is ( XXXX ) XXXX Our complaints are as follows : This was textbook PREDATOR LENDING. 

There was no Net Tangible Benefit to our refinance. Our principle and interest increased due to the loan balance being increased and rolled in closing costs. 
Our private mortgage insurance increased {$70.00} because XXXX took us from a XXXX  to an XXXX  loan. 
Our old MI was {$120.00} Vs. our new MI at {$190.00}. 
There was NO net tangible benefit. 
1. ) Our previous principle and interest payment was {$500.00} Vs. our new principle and interest payment of {$510.00} = principle and interest payment increased {$11.00} Previous MI = {$120.00}. New MI = {$190.00}. Causing our MI to increase {$70.00}!! 2. ) 2. ) This refinance did not pass the points and fees test. Their response was incorrect. 
Loan amount was {$300000.00}. Max charge should then have been no more than {$9000.00}. They charged : Points if XXXX = {$8700.00} Admin fee = {$340.00} Processing= {$500.00} Underwriting = {$1100.00} Deed Prep = {$70.00} Credit = {$120.00} Digital closing fee $ {$60.00} Totals = {$11000.00} They charged {$1900.00} over the 3 % threshold not including the cost of the appraisal!!!! 

3. ) Although they are indicating the appraisal was emailed on XX/XX/XXXX. We have no record of receiving it on our end. 

So, I want this lender to be held accountable for taking advantage of clients and making our overall financial situation worse. This is textbook PREDATOR LENDING. We were taken advantage of because of our financial situation. This refi put us in a worse financial position. We needed cash back to pay off and consolidate debt, but ended up coming to closing with cash and getting XXXX cash out! 
This refinance has been reviewed by many licensed mortgage brokers and everyone has replied the same exact way ; they wouldve never have submitted this loan if they truly were looking out for the clients best interests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Hi, We are trying to process a short sale on this Property XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX currently holds this mortgage Loan number XXXX. We have submitted all documents needed to see if this loan could get approved for a short sale since the banks bpo came back at XXXX and we have a contract price of XXXX. We call XXXX a week and they keep telling us in review, call the next day no doc received, call the following day this file not in review, we will escalate and call back a few days later and here the same nonsense. they are waiting for auction to be scheduled and not cooperating with the sale. This is a bank and the lack of customer service skills is unacceptable.

Company response to consumer: Closed with explanation