vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
PHH Loan number XXXX My mortgage payment is less than 10 % of our monthly income not to mention we could go liquid with assets over {>= $1,000,000}. 

Explain to me how my income is insufficient for the amount of credit requested? 

Im requesting all appraisals and other written valuations used in connection with my application. 

Im shocked that i was discouraged in applying for credit by your company after receiving federal public assistance from taking a short forbearance on my mortgage. As you know when we realized we could go back to work i paid my forbearance in full. 

The FTC states that our application should have been accepted our rejected within 30 days of filing our application.

Your company has damaged my credit score, by delaying our processing you have not acted in good faith and we have lost investment opportunities due to your delay in processing. 

if others have received credit from PHH mortgage with similar income, age than you have discriminated under the Equal Credit Opportunity Act. It is apparent that by delaying my application PHH Mortgage benefited by us having to pay a higher interest rate mortgage your company is presently serving. 

I will be reaching out to the Federal District court regarding Federal Trade Commission - Equal Credit Opportunity Act and to The State of Texas Attorney Generals office. 





From : XXXX XXXX XXXX, XXXX '' XXXX Subject : RE : PHH Loan number XXXX XXXX : XX/XX/2020 at XXXX XXXX  CDT To : XXXX XXXX XXXX XXXX : " XXXX, XXXX '' XXXX, XXXX XXXX, XXXX '' XXXX, " XXXX XXXX XXXX XXXX XXXX XXXX '' XXXX, " XXXX '' XXXX, " XXXX, XXXX '' XXXX, XXXX XXXX XXXX, " XXXX '' XXXX XXXX " XXXX, XXXX '' XXXX, XXXX XXXX, XXXX '' XXXX Good morning XXXX, The email youve received regarding the insurance policy was a mass email sent out by our Insurance Team that had our names prepopulated on it! 

This has already been updated and no further action regarding this is required. 

I apologies for the delay, I understand this process has been longer than we wanted. We truly appreciate all your time and cooperation. 

XXXX XXXX XXXX XXXX Loan Processor Toll Free : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Healthcare Receivables Group, Inc.
State: NC

Complaint narrative:
EMAIL : XXXX MAIL : Healthcare Receivables Group, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX PHONE:XXXX ( toll-free ) or XXXX ( local ) HRG never ever reported ANY of the payments I made on my collection account which opened up well over 12 months! 
In addition, HRG illegally refreshed and reported the remaining balance of approx {$160.00} to my credit report on XX/XX/XXXX, which I paid off on XX/XX/XXXX ( approx {$170.00} ). The original account balance which opened up on my credit report approx 15 months ago, was unchanged from the {$1000.00}, which gave the deceitful appearance I never paid down my account monthly. 

You are in violation of illegal, inaccurate and willful neglect to accurately reflect the payments I made on this collection account over more than 12 months since the account opened, and you intentionally and in violation of Unfair, deceptive and abusive acts or practices ( UDAAP ) under the CFPB deceptively and unfairly refreshed and re-reported the debt on XX/XX/XXXX after having never reporting monthly updates to payments made on my account. This deceptive and willful unfair act caused harm and reduced my credit score over 58 points via XXXX. 

HRG needs to remove this inaccurate reporting on XX/XX/XXXX given these factors above. 
I am also going to start a complaint with the CFPB for your violation of FDCPA and UDAAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
On XX/XX/20 I received a Comenity credit card. It was stated that this was a replacement for a Wayfair store card I previously held. However upon calling Wayfair they said they no longer do business with Comenity. So it seems that Comenity sent me a MasterCard to replace a Wayfair store card. When I activated the card I thought it was a new Wayfair card which offers special financing at their store. I did not realize this was not the case until I called Wayfair customer service. I feel this was deceptive on the part of Comenity, sending me a credit card to replace a store card I previously held.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove the following personal information from my credit report : XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX  XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. Employment : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Lastly removed all telephone numbers from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-09-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: GA

Complaint narrative:
What happened with my bank is this ... In XX/XX/2020, I purchased bunk beds for my children. I received the merchandise and attempted to put it together. When I could no longer by hand, I had my friends husband come by and attempt to put it together with power tools and it still was unable to be assembled. I called the company 3 days after receiving the product and left a voicemail and got no return call. I then began emailing and then got a response. Me and a lady with the bunk bed company wasn't understanding and kept saying she would resend a missing piece of which there was one. I tried to stress to the company and my bank, that it wasn't that, that made me want my money back. If it was just a missing piece, I would've just said send it, but screws were getting stripped trying to be screwed in, and others weren't staying in. This was all attempted with power tools. I disputed the transaction with my financial institution and on both occasions, yet my children are still sleeping on mattresses on the floor. They are making it like it's a buyer 's remorse dispute, when in fact the merchandise is defective.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN, XXXX, OR XXXX  is apparently reporting a fraud alert, security freeze or another form of " block '' on my credit file. This is causing me substantial problems in obtaining credit therefore please remove from my files.

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 2020-09-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I checked my personal credit report, which I acquired from your organization on and I noticed unauthorized credit inquiries had been made. 

I contacted every source of the unauthorized inquiries, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile and they told me I need the credit bureau to remove because they can not find any information on these. 

I request that you initiate an investigation into these inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the inquiry and send me an updated copy of my credit report. The unauthorized inquiries is as follows : XXXX XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020, XXXX XXXXXX/XX/2020, XXXX XXXX XXXX  XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXXXX/XX/2020, XXXX XXXX XX/XX/2020,  XXXX XXXX XXXX XX/XX/2020, XXXX  XXXX XX/XX/2020, XXXX XXXX XXXXXX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX   XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX  XX/XX/2020 If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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: NJ

Complaint narrative:
Ive sent a dispute to TransUnion regarding fraudulent inquiries. They make disputing UNAUTHORIZED inquiries very hard. Below are the following FRAUDULENT inquiries. Ive made a report for identity theft due to these. Inquiries can seem insignificant but can be detrimental to obtaining new credit. I did not authorize these inquiries. 

XXXX/XXXX  Inquiry from XX/XX/2020 XXXX XXXX XXXX from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX   XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX from XX/XX/2020 XXXX XXXX  XXXX from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX   XXXX  Inquiry from XX/XX/2020 XXXX  Inquiry from XX/XX/2020 2020

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 2020-09-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX, TRANSUNION, OR XXXX  is apparently reporting a fraud alert, security freeze or another form of " block '' on my credit file. This is causing me substantial problems in obtaining credit therefore please remove from my files.

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 2020-09-12 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: CA

Complaint narrative:
XXXX, XXXX, OR EQUIFAX is apparently reporting a fraud alert, security freeze or another form of " block '' on my credit file. This is causing me substantial problems in obtaining credit therefore please remove from my files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: WA

Complaint narrative:
Chime Bank closed my checking account with them and reversed a cleared transaction. Upon inquiry they claim to have no record of the transaction taking place. 

I paid {$58.00} to XXXX on XX/XX/2020. The transaction completed successfully and I received a receipt with a confirmation number from XXXX. 

On XX/XX/2020 I received an email from Chime stating they have closed my checking and savings account I had with them. They neglected to state why. 

At the same time, I received notice from XXXX that a payment reversal had been issued at XXXX XXXX on XX/XX/2020. 

Chime states that they do not have record of this transaction ever taking place. They made no acknowledgement to the whereabouts of my money after I asked where it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-09-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-09-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
XX/XX/20 - my XXXX XXXX died while on XXXX XX/XX/20 - XXXX XXXX XXXX informed me that I would need a new engine. I contacted Chrysler Corp office and was told that they can not help because my warranty expired by miles ( but not years ). I was also informed by the dealership that my vehicle was only worth $ XXXX ( my outstanding loan payoff is currently $ XXXX ). 
XX/XX/20 - I contacted Chrysler Capital to ask for lower payments and that I voluntarily participate in repossession. I was denied a lower payment ( I currently pay {$680.00} per month ). 

I had to go out and buy new vehicle after the news. Ive started the process to voluntarily give vehicle back to Chrysler Capital. Is there anything that can be done to protect my credit and have the negative equity forgiven because of the large amount of negative equity.

Company response to consumer: Closed with explanation