vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-18 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I see that you guys validated that these inquiries are accurate when I do not even have an account open with these inquires your are reporting. I would like a copy of my written signature, a written copy of the time and date of when this happened, a written copy of the rep or clerk who handled me as customer or client. I am not of aware of these inaccurate inquires and you are reporting false information on my credit file which is against the FCRA and I ask that you immediately permanently delete these inaccurate items I included these inquires in my FTC report & as well as contacted the creditors and bureaus who say they was goin to handle it & remove these inaccurate items under FCRA Section 607

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: TN

Complaint narrative:
MY INFORMATION WAS USED TO GET A CAR WITHOUT ME KNOW THIS ACCOUNT DOES NOT BELONG TO ME AND MY CREDIT HAS BEEN NEGATIVE BECAUSE OF IT.

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 2021-12-18 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: TN

Complaint narrative:
MY INFORMATION WAS USED TO GET A CAR WITHOUT ME KNOW THIS ACCOUNT DOES NOT BELONG TO ME AND MY CREDIT HAS BEEN NEGATIVE BECAUSE OF IT.

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 2021-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
This letter is regarding account # XXXX which you claim I owe you money. Please REMOVE this account to from all Credit Reporting Bureaus. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on any of my credit reports from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of { {$5000.00} } in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

- Very Respectfully, 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 2021-12-18 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: CT

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2021-12-18 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: CBC Companies, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX, Mi XXXX XXXX XX/XX/XXXX Subject : Fair Credit Reporting Act, Section 609 Dear Credit Reporting Agency ( XXXX, XXXX, or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX, account number XXXX. 

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

My identifying information is as follows : Date of Birth : XX/XX/XXXX SSN : XXXX As proof of my identity, I have included copies of my VA entitlement, Social Security card, drivers license, rental agreement, and a cellphone bill. I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted. 

I only ever had one credit card with XXXX XXXX and there was only ever one missed payment. XXXX XXXX is reporting it as two trade lines, and one with 3 total missed payments. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I initially took out a mortgage on XX/XX/XXXX with Fremont Mortgage In California. It was then transferred to Litton Loan Service where I had a loan modification. It was then transferred to Ocwen Loan Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX ; XXXX or XXXX in XX/XX/XXXX. I took out another loan modification with Ocwen in XX/XX/XXXX. The agreement showed that once the total of {$58000.00} would be removed three ( 3 ) in XXXX ; XXXX & XXXX as long as I made my payments on time which I did & was never late. Fremont Mortgage initially had two ( 2 ) loans on the property through Litton Loan Service LLC then Ocwen XXXX. It was paid off while with Ocwen. Ocwen failed to apply my payments for two months & held it in a suspense account. After writing letters to Ocwen & filing several complaints, Ocwen corrected the account & applied the three deferments to the account. After Ocwen got in trouble with the government, the mortgage portion of their business was transferred to PHH Mortgage XXXX XXXX XXXX, XXXX NJ XXXX ; XXXX AN XXXX who failed to maintain accurate records with the correct Principal balance & Original Amount. ( Amount on record is {$310000.00} in XXXX XXXXthe original amount & not the amount of the loan modification with Ocwen Loan Servicing LLC in XXXX resulting in overcharges ) and then transferred the inaccurate record to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ; NewRez.com ; XXXX. It showed that my mortgage was {$310000.00} instead of the Loan Modification amount of {$220000.00}. It shows the wrong principal bal. In XXXX the balance was {$64000.00}. Im mot getting credit for my payments. The records are showing a Negative Amortization. In addition, I charged {$20.00} late fee & I have until the 16th of the month before being accessed late fees. Attacks the record for XXXX :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: CORELOGIC INC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX, Mi XXXX XXXX XX/XX/XXXX Subject : Fair Credit Reporting Act, Section XXXX Dear Credit Reporting Agency ( XXXX, XXXX, or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX, account number XXXX. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. My identifying information is as follows : Date of Birth : XX/XX/XXXX SSN : XXXX As proof of my identity, I have included copies of my VA entitlement, Social Security card, drivers license, rental agreement, and a cellphone bill. I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted. I only ever had one credit card with XXXX XXXX and there was only ever one missed payment. XXXX XXXX is reporting it as two trade lines, and one with 3 total missed payments. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, 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 2021-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I received a letter from ALLY Financial dated XX/XX/2021 regarding a due amount. Upon receipt, I mailed a validation and cease and desist letter to them by certified mail dated XX/XX/2021 to the address listed on the letter. After 10 days of waiting, no return receipt. I then mailed another validation and cease and desist letter to them by certified mail dated XX/XX/2021 to a different address. I finally received the returned receipt for both letters stamped XX/XX/2021 as the date of delivery. After that time I continued to receive numerous calls even when I demanded them to stop calling, I was told that they did not have a cease and desist on file. This has been very stressful for me and has made it difficult for me to keep up with my work.

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 2021-12-18 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: AL

Complaint narrative:
First and foremost I am submitting this complaint on behalf of myself and not a third party. this is my second request about this matter and I dont know what the problem is with XXXX and Experian not abiding to the laws. I am a victim of identity theft and they are still reporting this information after I have already sent the proper documentation about these fraud accounts. I'm tired of this inconsistency with these credit reporting agencies the only one who seems to follow the laws is XXXX in this case. According to the FCRA law once the consumer makes it aware with documentation these fraudulent account should be deleted within 4 business days it has been over 4 months!! what is the problem? I have been trying to secure a home for my family and this fraudulent information that is being reported is causing me emotional stress and a financial burden because of lack of compliance from XXXX and Experian as they continue to ruin my reputation by reporting this false information.

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 2021-12-18 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX My name is XXXX XXXX XXXX am filing a complaint on my own behalf I am not a 3rd party or an attorney. I have a few accounts that are showing me at 30-60 days late and at the time my income was affected by the Pandemic shut down. I am aware that the CARES ACT was allowing for consumer protection under the CARES act with creditor offering accomidations. I have on my XXXX XXXX XXXX XXXXXXXX XXXX # XXXX date XXXX, XXXX are showing late pays I have since paid my account off in full and I would like my account to reflect the current status. 
I have two addresses on my file that I never lived at these address, they belong to my EX-girlfriend I have nothing to do with any of these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX  Please delete/remove them asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX My name is XXXX XXXX XXXX am filing a complaint on my own behalf I am not a 3rd party or an attorney. I have a few accounts that are showing me at 30-60 days late and at the time my income was affected by the Pandemic shut down. I am aware that the CARES ACT was allowing for consumer protection under the CARES act with creditor offering accomidations. I have on my XXXX XXXXXXXX XXXX  XXXX XXXX # XXXX date XXXX, XXXX are showing late pays I have since paid my account off in full and I would like my account to reflect the current status. 
I have two addresses on my file that I never lived at these address, they belong to my EX-girlfriend I have nothing to do with any of these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX  Please delete/remove them asap.

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 2021-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for the Chase Sapphire Reserve Visa Infinite credit card on XX/XX/2021. 
My application was not immediately approved, so I called into the Chase credit card reconsideration line at XXXX to provide more information in order to be able to expedite the process and get my application approved. 
After talking to an agent from the Chase lending team, she was willing to approve my application, however, since I already have a Chase United Club Visa Infinite credit card with $ XXXX credit limit, she needed an approval from a more senior credit analyst to approve me for the new card with the $ XXXX minimum credit limit. 
I was told by the agent that she has referred my application to a more senior agent for manual review and I will be informed of the decision in 2 to 4 business days. 
I received a letter from Chase on XX/XX/2021 that I need to call into their Fraud Prevention Department at XXXX to verify my identity. 
I contacted this department on XX/XX/2021 and my identity was fully verified. 
I was told by the agent from the fraud department that my application is being sent back to the lending team for final review and approval. 
It is now XX/XX/2021 and my application status is still pending. 
Every time I call the Chase lending team at XXXX, I am being told the same message : " Your application is currently pending. You will be notified in writing of our decision in approximately 2 weeks. '' I have been a chase banking and credit card customer for many many years. I would appreciate it, if you could look into my application, see where it is at, and, if possible, kindly obtain me an approval for the Chase Sapphire Reserve Visa Infinite credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PLAZA HOME MORTGAGE, INC.
State: NJ

Complaint narrative:
Plaza Home Mortgage filed a report to XXXX that my account with them was delinquent for 60 days now. I just saw this information on my credit report but have not heard from Plaza about this. I have never been late with any mortgage payments. In fact, my loan has been transferred to different lenders twice already since I closed on my home the end of XX/XX/2021 and have been caught in the middle and suffered from the lenders miscommunication with each other in the midst of it. During the loan transfer to Plaza, there was miscommunication between the lenders on the date my loan was officially transferred. Therefore, Plaza requested a payment from me for the month that I had already paid to my original lender. I had to make numerous calls to my original lender and Plaza to rectify the situation. Plaza then informed me that they received the payment in question and so I believed the problem was resolved as my payment has been fulfilled. Now I discovered they reported me to the credit bureau falsely. I am appalled by the incompetence of Plaza staff and how poorly theyve serviced my loan. The loan transfer debacle was not my fault, nor should I have been responsible for their due diligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
XX/XX/2021 I spoke with XXXX at XXXX XXXX on a Saturday. He asked for payment, I informed caller I would go into the clothing store to make payment and he proceeded to ask why and started raising his voice. I informed caller because I have the right to pay in store and he continued to yell and tell me I needed to pay with a debit card. I informed he was yelling and tried to explain that I have an option to pay in store and he confirmed I had an option to pay in store but he proceeded to get loud and speak over me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MN

Complaint narrative:
Ace Cash Express is holding me liable for a payday loan account I didnt apply for. The account is fraudulent and an unauthorized pay day loan account. I filed XXXX  XXXX bankruptcy with the United States District of Court District of Minnesota Bankruptcy Court. On XX/XX/XXXX all of my debt was discharged under XXXX  XXXX bankruptcy in bankruptcy court. I never applied for any payday loan account with Ace Cash Express. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
I had a house fire to my apartment building XX/XX/2021. I have been issued money through my insurance company. Due to me having a mortgage Carrington Mortgage company was added to my claim loss. Carrington has cashed checks from the insurance company, and has advised me the check bounced. Proof was submitted to Carrington the check cleared. However, Ive paid my contractor, and Carrington has stopped payments on checks thats already cleared their bank, and has been giving me problems not wanting to reissue the funds in order for me to complete the repair process. 

I have advised Carrington on several occasions to set up an inspection for my unit so that more funds are released, but its like pulling teeth for them to send out an inspector. I was advised all checks that I send into Carrington is put into a Escrow Account, and I am reissued a check through Carrington. One would think, the mortgage company would just endorse the check from my insurance company and mail it back out to me. Carrington instead puts my money into an account I know nothing about. Carringtons failed to release my funds, in order for me to complete my house fire claim. I have been without rent for 10 months due to their negligence. 

XXXX at Carrington went so far and requested bank statements from my insurance company to verify this check didn't bounce. The insurance company had already provided XXXX a copy of the cleared check and the date the check cleared the bank. This has put me in a bad position with my contractors, XXXX stopped payment on a check of mines, and she should have never done that, considering the check had already cleared in Carringtons system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
XX/XX/2021 I received a notification that a checking account was opened with my name, using my social security number, and DOB. Whoever used the incorrect address which is one of my old addresses. The Occupation is incorrect, along with the employer and job title I immediately contacted WELLS FARGO to let them know that I did not apply for a new checking account and I want this reported and investigated. 
I was notified several years ago about my information being exposed from several agencies including WELLS FARGO. Please let me know what I need to do to make sure whomever this person is they are not able to access or create any new accounts with my name or use my information in any way. 
Thank you

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