vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I applied for the COVID Act for mortgage relief. I started XX/XX/XXXX, in XX/XX/XXXX I started the modification process, I am still trying to complete my modification. Each time I submitted required documents, PHH Mortgage bka Ocwen Mortgage would require additional documentation that was never initially included. This has gone on for months. The latest incident, I was asked to complete a marriage affidavit after my modification was in review to be completed. First I am not married and my parents are on my loan, so I know it was for parents however, they have for 50 yrs, why would you need an affidavit as if something has changed. So this has once again delay my modification process. They sent me the copy of the modification as if I received it before but I had not, once I opened the document it had my name and account number noted on the form but there was someone's address on the form. They encouraged me to sign it however I would not because my address was not listed on the required document that they claim I need to sign for my modification. Now I have to wait 10 days to get the corrected document which again delays the process of completing my modification. PHH Mortgage bka Ocwen Mortgage has done a horrible disservice for the mortgage industry and home owners. I have been stressed out for months to get this modification complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Back on XX/XX/XXXX I submitted a complaint because I was struggling to get my mortgage statement from Select Portfolio after multiple attempts identified in my original complaint # XXXX. ( ie - told my multiple representatives that the mortgage statement generally are generated between the XXXX - XXXX of a month ) I was finally able to receive my statement on XX/XX/XXXX. 

I have now waited to receive my XX/XX/XXXX statement that I anticipated to be available between ( XXXX XXXX XX/XX/XXXX ) this statement is important as I have not been able to review how my mortgage payments have been applied. This includes payments for ( XXXX, XXXX, XXXX, and XXXX ). 
So based on the timeline of XXXX between XXXX - XXXX for the XX/XX/XXXX payment, On XX/XX/XXXX I contacted Select Portfolio and requested statement. I was told to be patient. I can not understand why a timely statement is not generated and I am having to call and request for my mortgage statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
The late payments of this account were a direct result of the COVID-19 pandemic. I was unable to make regular payments due to a lack of work due to the pandemic. Please remove the late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: MD

Complaint narrative:
I recently viewed my credit report and saw some accounts and inquiries i did not authorized. I then contacted the company to see what needed to be done to remove these unauthorized items. I have since submitted all documents asked of me but have the items still persist. I have some huge goals i would love to accomplish in the near future and these items are stopping me from attempting and it is becoming frustrating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22 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: IN

Complaint narrative:
TO WHOM IT MAY CONCERN I XXXX XXXX FEEL LIKE THE CREDIT BUREAS EXPERIAN, XXXX AND XXXX ARE IN VIOLATION OF FCRA SECTIONS 623,609, AND 611 BECAUSE THEY HAVE NOT GIVEN ME PROOF OF THEIR INVESTIGATION OF THESE UNAUTHORIZED ACCOUNTS THAT ARE IN MY NAME AND THE ACCOUNTS ARE XXXX XXXX  # XXXX OPENED XX/XX/XXXX FOR {$250.00} XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX {$400.00} XXXX XXXX XXXX OPENED XX/XX/XXXX AMOUNT INWHICH I DONT HAVE A CLUE THESE ACCOUNTS ARE ALL FRAUDULENT

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 2021-12-22 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Funding is a fraudulent account. I have never done business with a company by this name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The department store XXXX XXXX XXXX has report incorrect information on my credit report and I have disputed this with them three times and they are failing to correct the errors. I have also disputed this with XXXX XXXX Equifax on two different occasions and I was informed the information is correct. I have attached the information that are being reported inaccurately. The payment for XX/XX/2019 was never late. The credit card company is reporting for the month of XX/XX/2019 that payment was made on time with XXXX and reporting 30 days late with Equifax. This is inaccurate reporting that has ruin my credit score and no one is trying to correct the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The department store XXXX XXXX XXXX has report incorrect information on my credit report and I have disputed this with them three times and they are failing to correct the errors. I have also disputed this with Experian XXXX XXXX on two different occasions and I was informed the information is correct. I have attached the information that are being reported inaccurately. The payment for XX/XX/2019 was never late. The credit card company is reporting for the month of XX/XX/2019 that payment was made on time with Experian and reporting 30 days late with XXXX. This is inaccurate reporting that has ruin my credit score and no one is trying to correct the reporting.

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 2021-12-22 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX XXXX XXXX STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22 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: IN

Complaint narrative:
TO WHOM IT MAY CONCERN I XXXX XXXX FEEL LIKE THE CREDIT BUREAS XXXX, TRANSUNION AND XXXX ARE IN VIOLATION OF FCRA SECTIONS 623,609, AND 611 BECAUSE THEY HAVE NOT GIVEN ME PROOF OF THEIR INVESTIGATION OF THESE UNAUTHORIZED ACCOUNTS THAT ARE IN MY NAME AND THE ACCOUNTS ARE XXXX XXXX  # XXXX OPENED XX/XX/XXXX FOR {$250.00} XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX {$400.00} XXXX  # XXXX OPENED XX/XX/XXXX AMOUNT INWHICH I DONT HAVE A CLUE THESE ACCOUNTS ARE ALL FRAUDULENT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22 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: EQUIFAX, INC.
State: IN

Complaint narrative:
TO WHOM IT MAY CONCERN I XXXX XXXX FEEL LIKE THE CREDIT BUREAS XXXX, XXXX AND EQUIFAX ARE IN VIOLATION OF FCRA SECTIONS 623,609, AND 611 BECAUSE THEY HAVE NOT GIVEN ME PROOF OF THEIR INVESTIGATION OF THESE UNAUTHORIZED ACCOUNTS THAT ARE IN MY NAME AND THE ACCOUNTS ARE XXXX XXXX  # XXXX OPENED XX/XX/XXXX FOR {$250.00} XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX {$400.00} XXXX  # XXXX OPENED XX/XX/XXXX AMOUNT INWHICH I DONT HAVE A CLUE THESE ACCOUNTS ARE ALL FRAUDULENT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
The department store Victoria 's Secret has report incorrect information on my credit report and I have disputed this with them three times and they are failing to correct the errors. I have also disputed this with XXXX XXXX XXXX on two different occasions and I was informed the information is correct. I have attached the information that are being reported inaccurately. The payment for XX/XX/2019 was never late. The credit card company is reporting for the month of XX/XX/2019 that payment was made on time with XXXX and reporting 30 days late with XXXX. This is inaccurate reporting that has ruin my credit score and no one is trying to correct the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XX/XX/2021 I sent XXXX a 609 letter to remove all unverified/unauthorized accounts without showing how verified as a result of identity theft. After 30 days of getting no response, I sent another letter on XX/XX/2021 informing them that I havent gotten a response if 30 days so by law they have to remove all unverified accounts. And they have yet to respond to any of my letters. And my certified mail tracking shows letters we successfully delivered. Also XX/XX/2021 I sent Transunion a 609 letter to remove all unverified/unauthorized accounts without showing how verified as a result of identity theft. After almost 30 days of getting no response from them either, sent another letter on XX/XX/XXXX informing them that I havent got a response in 30 days so by law they have to remove all unverified accounts. And they have yet to response to me as well. And my certified mailing shows mailing was successfully delivered.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
The servicing of my mortgage was recently transferred from XXXX XXXX to Select Portfolio Services on XX/XX/XXXX. While at XXXX XXXX, I was in an active COVID XXXX forbearance program that began in XX/XX/XXXX and it was still active when my loan was transferred in XX/XX/XXXX, however, the new servicing provider, Select Portfolio Services, has not recognized my forbearance status and thus reported me as being 180 days late on my mortgage. I now have civil damages. My XXXX XXXX just dropped XXXX points while I was seeking loans to help cover costs for losses generated during the pandemic. This is not right and it should be considered criminal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: AZ

Complaint narrative:
I am making additional principle payments to my account and BSI financial services continues to apply them towards future payments in lieu of reducing the principle of the loan. 

I made the following payments that were not applied correctly : XX/XX/2021 I made a {$1600.00} payment that was not applied towards principle on that date XX/XX/2021 I made a {$1000.00} payment that was not applied towards principle on that date XX/XX/2021 I made a {$4300.00} payment that was not applied towards principle on that date XX/XX/2021 I made a {$4300.00} payment that was not applied towards principle on that date XX/XX/2021 I made a {$50000.00} payment that was not applied towards principle on that date

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Over the course of many years, - from the initial inception of my parents purchasing this home at XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX, back in XXXX striking through, and leading all the way up to myself in present day, - my parents and I have been cheated, and defrauded out of tens of thousands of dollars in mostly near interest only mortgage payments over the course of many years, as well as the loss of our homes natural equity because of fraudulent practices committed against us by Countrywide Home Loans, and later by extension Bank of America. 

Please see attachments I don't have enough file space to include the attachments?

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 2021-12-22 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: Byrider Franchising, LLC
State: OH

Complaint narrative:
I filed bankruptcy in XX/XX/2021 and the CNAC account on XXXX is currently listing that I owe on the account when it was actually included in the bankruptcy. I have disputed with XXXX several times but no changes have been made, the bankruptcy petition was also sent as proof, the other two major credit bureaus are reporting correctly this account as included in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/21, I was immediately charged me for XXXX products totaling {$79.00}. I never received these products and nor were they ever shipped. I was told to email XXXX party vendoXXXX XXXX and XXXX for a refund. NO phone number & NO address. I have emailed XXXX & XXXX numerous times with NO response. This company is in the XXXX XXXX. I can't believe they were given my information!! I'm a retired senior citizen. I closed my account due to this. I would like my money back. Also, there are numerous complaints about this same situation from other consumers. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Social security numbers on my account and on my husband 's account at XXXX, Experian, and XXXX have the last four digits transposed. We were told this by XXXX XXXX, Finance Manager at XXXX XXXX in XXXX XXXX, SC XXXX on XX/XX/2021. We have ordered a car for next year and would like to purchase it. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I have applied for a loan to pay off all my debt I contacted the collection agency Radius Global Solutions in conjunction with XXXX, XXXX XXXX XXXX XXXX XXXX to get a payoff statement or letter to be faxed over to the lender so they can issue out a check. This company will not comply with us we have been trying to reach out to this company for 2 weeks now beginning XX/XX/2021through XX/XX/2021. Every time I called this company they keep telling me that they're going to fax over a payoff letter and never do so. They not complying with us to resolve this matter to pay off this debt. We've been told one lie after another lie we never received any letter from them in the mail saying that we owe them anything as well. Due to them not sending over a payoff statement to the lender this is holding up our process of refinancing our home because the lender needs a payoff statement so we can pay off this debt. So we can move forward with our refinance this has pushed our refinance back because they will not comply and fax over the payoff statement. This is costng us money and time to get this done.

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