vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
On XX/XX/2020, I closed on a refinance of my existing mortgage. The previous mortgage company is PHH Mortgage Services, XXXX. XXXX XXXX, XXXX. XXXX, NJ XXXX. On or around XX/XX/2020, I received a check from PHH for the escrow balance of {$2200.00}. When I tried to deposit the check in my account, the teller told me I couldn't because my deceased husband 's name was included with mine in the 'Pay to the Order of ' section. I contacted PHH and followed their instructions for getting a check for deposit that had only my name on it. On XXXX XXXX, I sent the Research Department a death certificate and an explanation of the problem as per their instructions. On XX/XX/XXXX I received a letter from PHH saying they received my request and had updated my loan information. A letter dated XX/XX/XXXX from PHH arrived stating again that they removed XXXX 's name and that they issued a check on the XXXX. A check arrived dated the XXXX which still had XXXX 's name on it so I could not deposit it. I called PHH right away and explained the situation. From mid XXXX until now I have talked to PHH representatives at least a dozen times and am always told that all they can do is enter in my comments and their request for a check to be issued to me in my name only. The support people say that neither they or I can contact the Research Department directly. My demands for resolution were placed in the hands of a " escalation team ' member who calls me weekly to tell that the issue is under review. Her number is XXXX ext XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA
State: WA

Complaint narrative:
Due to Covid 19 federal student loan interest has been suspended and loans are in forbearance. AES holds federal loans but is not doing either of the above measures. AES fails to comply with the CARES act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22 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:
I am a victum of ID Theft. I have been working with the 3 Burials. Only XXXX has corrected my profile and removed the fraudulent accounts open bay the thieves. 

I was informed by XXXX  and Experian that any and all corrections / removals to my credit profiles was at the of the creditors regardless that the XXXX deceives and police found that the account where indeed fraud and that ID Theft is in fact case in connection with my profile/ss #. 

Im on the verge of losing my business due to this fraud. My company was closed by NY state due to Corona  and SBA has denied my loan because of the fraud making my scores low. 

Experian and XXXX  are not following the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
Recently I paid off a credit balance that is listed on my credit report ( I didn't close the account, just paid it off ). This had the effect of lowering my credit utilization which is supposedly a good thing. However, as a result of doing this, both Trans Union and XXXX  report the account is paid, but as a result, they both lowered my credit score. I've tried to contact both agencies with little success. I was able to file an online dispute with XXXX, which they have acknowledged but not responded to as of yet. However, I have been unable to do the same with Trans Union. Their web site for initiating a dispute doesn't work, and if you call them, you just sit on hold forever - so far 6 hours in my case. Hence I would like to file a complaint about Trans Union at least.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
This is a follow up complaint to complaint XXXX which was closed by your bureau but it was not resolved. My wife STILL can not access ALL of our money at Chase which I believe is criminal to say the least. This is the biggest bank in America?? 
Someone from Chase ( XXXX ) called after the above complaint was made and said he would be looking into the situation and would get back to us. He never did. Today, I went online to see what was going on and it said " closed '' and there was a .pdf letter. Case number is XXXX. We never received it. I did print it out and there was a reference number and phone numbers. We called and once again we started the transfer nobody can help game ( after speaking with XXXX at the executive offices who told us they would be able to help and she could do nothing ). Initial person said they could not help and transferred us to someone else. She ( XXXX ) after speaking with us for 10 minutes and trying to give us a cyber security lesson, then said she could not help and would have to send us to online banking ... ..but we did this exact same process under the last complaint ... ..for 2 hours one night, and 3 hours the following night, both to no avail. That is in addition to the 2 hours my wife spent in the branch. For the written record XXXX told us that we had to change our e-mail address and password and if we didn't Chase would not be liable for any funds missing from our account. We can not access the account to change anything. We tried to tell her this but, again, to no avail. We will still hold JPM liable despite her disclaimer on a recorded line since they can not give us access to change anything. I called XXXX back at the executive offices and she is supposedly having a manager call me back, but I am sure that will never happen. If this bureau is worth anything you will realize Chase is denying my wife access to our money and nobody cares.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have been behind 1 payment and accruing late fees for the past year navient can only offer interest only for 6 months to lower payment I am already paying XXXX in interest and cant afford repayment plan so Im stuck paying late fees every month and cant catch up. The company deceived me in the past as they verbally denied me in the past since there was a co-signer. The company has no available options that entail submitting financials to review. How can they can do that?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Hi, my credit report shows that I have hard inquiries for credit cards that I did not apply for. 


The following are the cards I DID NOT apply for : 1. XXXX XXXX  - XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. Hsbc Bank Usa Na- XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX It is affecting my credit score and causing me issues to apply for other credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX I requested a stop payment do to a Nation Wide pandemic. 
In the amount of {$1.00}, XXXX from XXXX XXXX. 
However Wells Fargo paid and my account was debited in the amount of {$1200.00}. On XX/XX/XXXX a provisional payment was issued to my checking account in the amount {$1200.00}. 
Some time between XX/XX/XXXX and XX/XX/XXXX the reversal credit from Wellsfargo was removed. I can not provide you with that information that they maniuplated on my account. 

Due to the global pandemic XXXX XXXX  refunded back to my card ending XXXX the amount of {$1400.00}. ( a deposit from XX/XX/XXXX ). 

Wellsfargo assumed that this was part of the same transaction from the stop payment claim on XX/XX/XXXX and the same provisional payment of {$1200.00}. 

However this is a separate transaction and date XX/XX/XXXX and claim and amount. from XXXX purchase return authorized on XX/XX/XXXX XXXX XXXX XXXX Washington card # ending in XXXX. 

I need a full refund with pain and suffering fees and any and all good faith allocated monies during this pandemic quarantine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I opened a Chase Account in XXXX. I didn't have an issue at all. They decided to close it. They stated that the number of inquiries and debt to income ratio was an issue and that is why they decided to close it. I have filed a complaint before regarding this issue and I am filing another complaint because I don't feel that the prior rep XXXX had an understanding of the complaint and I believe he just went through the motions. I am filing another complaint before I allow my attorney to take action of this issue because I do feel that i was discriminated against. All of my credit cards were paid off and I don't have a high debt to income ratio at all. The rep who opened the card verified it through an almost an hour long call. Not to mention that Chase contributed to the number of inquires because they put three on my credit report that were not on there otherwise. I am not pleased with the outcome and I would like someone else to look at it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: GA

Complaint narrative:
To Whomever This May Concern : I have sent letters, verbally contacted them, and they still refuse to remove these inquiries off of my credit report. I did not authorize the following inquiries at all : XXXX XXXX, Transunion-XXXX XXXX, XXXX, XXXX XXXX, XXXX ( 2 times ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( 2 times ). 

Other inquiries that are on there are valid and I do hold accounts with the other inquiries that are not named above. 

I have repeatedly asked for the above to be removed and they haven't.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: GA

Complaint narrative:
To Whomever This May Concern : I have sent letters, verbally contacted them, and they still refuse to remove these inquiries off of my credit report. I did not authorize the following inquiries at all : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX ( 2 times ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX ( 2 times ). 

Other inquiries that are on there are valid and I do hold accounts with the other inquiries that are not named above. 

I have repeatedly asked for the above to be removed and they haven't.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: EQUIFAX, INC.
State: ID

Complaint narrative:
Recently I paid off a credit balance that is listed on my credit report ( I didn't close the account, just paid it off ). This had the effect of lowering my credit utilization which is supposedly a good thing. However, as a result of doing this, both XXXX XXXX and Equifax report the account is paid, but as a result, they both lowered my credit score. I've tried to contact both agencies with little success. I was able to file an online dispute with Equifax, which they have acknowledged but not responded to as of yet. However, I have been unable to do the same with XXXX XXXX. Their web site for initiating a dispute doesn't work, and if you call them, you just sit on hold forever - so far XXXX hours in my case. Hence I would like to file a complaint about XXXX XXXX at least.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hello, In XX/XX/XXXX, my wife and I had to file personal bankruptcy because of lost job and credit cards choking us. We kept the mortgage payments going ON TIME and paid the Bank of America mortgage off in XX/XX/XXXX with a refinance from Quicken Loans. 
XXXX report shows I " XXXX {$41000.00} mortage thru bankruptcy XXXX ''. 
WE DID NOT. 
Bank of America XXXX XXXX XXXX XXXX FL XXXX XXXX Attn : XXXX - Disputes Dept XXXX XXXX I have been calling and writing BofA for months and XXXX as well to fix this, neither bother to check and correct so I get rejected from XXXX XXXX  personal loans due to Foreclosure in XXXX. WRONG!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Report Date XX/XX/XXXX Report Number XXXX Yesterday, XXXX XXXX said she will request that BofA delete that from the report but in might be until XX/XX/XXXX when it comes off my record naturally. 
The GOOD BofA part of XXXX Report that showed we PAID IN FULL was deleted XX/XX/XXXX. 

I believe that BOTH Bank of America AND XXXX should receive a VIOLATION of the FAIR CREDIT REPORTING ACT, a very stern letter, PLEASE. 

Thank You 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 2020-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2020, I reached out to Experian and spoke with XXXX with the XXXX team ; she refuses to provide her last name or employee ID number. The reason for the call today, I requested to remove the fraud alert from my credit file. About an hour later, I noticed Experian decrease my XXXX score by XXXX points, and on the side of my score. I noticed a message to learn more about Fico score 8. I have attached the message for Cfpb to review, and long with decrease notifications. Also, on XX/XX/2020, Fico score decrease by XXXX points, and on XX/XX/2020, Fico score decrease by XXXX point ; within 13 days, Fico score decrease by XXXX points with no explanation explaining the reason for the decrease to XXXX score. Also, since XX/XX/2020, I had numerous accounts remove from my credit report please see below for account. 

XXXX XXXX XXXX remove XXXX XXXX  update reporting on a secure account Medical- XXXX XXXX remove XXXX XXXX XXXX remove XXXX XXXX current collection ; this account is not a current collection this is. 
XXXX XXXX XXXX remove XXXX XXXX remove XXXX remove I notice once the above accounts removed from my Experian report, the payment history did not recalculate. My Experian report shows an 85 % payment history late. I am requesting for Experian to update my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had less than XXXX $ unreported debt from my Credit Card with Chase last XXXX. I am stationed overseas so I wasn't aware of this debt since I know I settled my balance before leaving the country. I only found it out last XXXX since I notice the huge impact on my credit score ( went down from XXXX to XXXX XXXX. My wife went to the bank and the banker assisted her on refunding and waiving the Late Payment Fee because I am an XXXX XXXX Military. The banker also told her that my credit will be go back up in few weeks but it's not changing. Right now, we can't follow up with the bank because they close due to COVID19 so I called and they said I need to contact the Credit Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
Please do your duty. I had submitted a complaint in XX/XX/2020 and i was told by the agent that CFPB closed my complaint. That complaint was never settled. The Mortgage company failed to follow rules allowing proper time to read, sign and allow legal representative to read for law abiding consumer protection reasons. CFPB Case XXXX. That was never settled nor was a response received. 
Carrington Mortgage LLC has continued to abuse consumer contract laws. My information was complete for the loss mitigation packet on XX/XX/2020. The enclosed letter proves. As I waited for the response a letter arrived from The mortgage company stating a lie that I cancelled my loss mitigation. And it continued to state I no longer wanted my home. This letter was not true. I never cancelled my loss mitigation. The Mortgage company is trying to use COVID-19 scam. I never requested covid-19 assistance. My XXXX is consistent and covid-19 did not impact it. The improper & wrong cancellation letter implies I cancelled my loss mitigation. That is not true as I never cancelled it. 
The enclosed letter states what I am explaining. I never implied that I did not need my loss mitigation or that I was not wanting my home. This company is mis stating information that is false. My information is still on the XXXX XXXX server and is valid for 90 days and the letter is not expired as you can read. 
Please look into this. My loss mitigation is needed and I never cancelled my need. 
Please look into this. I am insulted to know you ignored my need in the XXXX complaint. Please stop with the intimidation to my poor life. I still need my home. Please do your consumer duty I am a XXXX human being

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XX/XX/XXXX I bought my leased car through my dealer. I was unaware the dealer submitted an application on my behalf to XXXX financing companies, Bank of America was apparently one of those companies. 
On XX/XX/XXXX I received an Adverse Action letter from Bank of America communicating that they declined my loan application and provide 5 reasons why. 
2 of the reasons I had no idea what they were so I researched and learned a collections company erroneously tagged my credit report for a medical bill that was paid in full and never should have been in collections and was late for payment. 
These were both errors on my report, maybe I'm wrong but from my understanding Banks are prohibited from using medical bills in their credit decisioning. 
Another reason Bank of America declined my application was length of time line of credits have been established ; I have XXXX + open accounts with XXXX late payments for well over 20 years. I have owned my own home with current mortgage payments for over 15 years ... .I have no idea what BofA is looking out and in review of my credit reports their assessment is faulty.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Aldous & Associates, PLLC
State: CT

Complaint narrative:
Aldous & Associates Contacted me today. I do not own any debt with them. How dare they! Is Debt collection essential during a pandemic?? people cant even pay their bills because a stimulus check is still absent & unemployment benefits are back logged, HOW DARE THEY try to call collecting debts during a NATIONAL CRISIS this should be STOPPED ASAP!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation