vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-06 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
In XX/XX/2020, I submitted letters to all three credit bureau 's as well as submitted a complaint through Consumer Finance and was advised to contact the companies directly to have the inquiries removed. I did not submit an inquiry to have my credit run for any auto loan and now I have several inquires posted on my credit report nor did I authorize my credit to be run.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On or about XX/XX/XXXX, my deceased husband XXXX XXXX executed a promissory note as the sole obligor that was given to XXXX XXXX XXXX XXXX as the lender, and to secure said promise to repay, my late husband and I both executed a deed of trust dated the same. 

With the first payment made towards the foregoing transaction in the year XXXX up until or around the year XXXX, my credit profile never reflected said transaction for which only my late husband was an obligor. Proof that I was never an obligor for said transaction is demonstrated within a correspondence dated XX/XX/XXXX from JPMorgan Chase Bank ( " Chase '' ) as the mortgage servicer, addressed to both myself and US Senator XXXX XXXX that is attached hereto as Exhibit 1, wherein Chase clearly stated that a " ... review of this loan has found that you are not a co-signer on the Note for XXXX XXXX 's ' loan. Since you are not financially responsible for this loan, we are unable to consider you for a loan modification .... ''. 

Upon XXXX XXXX XXXX ( " XXXX '' ) becoming the servicer for said transaction in or around the year XXXX, XXXX begin reporting said transaction to the credit bureaus as if I was an obligor when I never executed the original note as an obligor as demonstrated within Chase 's XXXX correspondence ( See Exhibit 1 ). Furthermore, in the year XXXX I discovered that either Chase or XXXX  caused my name and signature to be authored and forged upon a note instrument filed with the U.S. Bankruptcy Court for the XXXX District of Virginia in Case No. XXXX ( See Exhibit 2 ), followed by the forging of both my name and late husband 's name upon a modification dated in the year XXXX ( See Exhibit 3 ), which neither one of us requested or needed at the time. 

Lastly, to avoid the foreclosure of my home, I was pressured into executing a predatory - unconscionable modification created by XXXX that is void of a break down of my payments towards principal and interest, and consisting of a balloon payment. Furthermore, XXXX created an escrow account for both hazard insurance premiums and real property taxes when the latter was exempted by XXXX XXXX since XXXX as seen within Exhibit 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XX/XX/2020, I submitted letters to all three credit bureau 's as well as submitted a complaint through Consumer Finance and was advised to contact the companies directly to have the inquiries removed. I did not submit an inquiry to have my credit run for any auto loan and now I have several inquires posted on my credit report nor did I authorize my credit to be run.

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 2020-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC
State: AL

Complaint narrative:
The satisfaction of mortgage for REF # XXXX that was filed with the XXXX XXXX XXXX in XXXX, AL is incorrect. My ex-husband is listed on the document as the Borrower. This is a property that I owned before the marriage and my ex-husband has XXXX interest in the property. My divorce decree is on file with the same courthouse in which the satisfaction of mortgage was filed.

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 2020-10-06 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nj XXXX XXXX : XX/XX/1998 SSN:XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 


* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, 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 2020-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Vellum Mortgage, Inc.
State: MD

Complaint narrative:
Around end of XXXX early XXXX I was interested in buying a home. I found a home I liked and it was determined that I needed a letter of approval to make an offer on the house. The lender I was currently using would not be able to supply that within the day, but my realtor recommended me to XXXX XXXX at Vellum Mortgage. She got me the letter, but then the next day called and stated that with my debt to income ratio I would not qualify for a mortgage on that home ( $ XXXX ). In that same phone call she advised that if I could get rid of my car loan I would be able to qualify and that once I closed I would be able to get my car back. I was able to have my mother take out an auto loan her loan paid off my car. At that moment I was able to qualify. 
Fast-forward to XX/XX/XXXX she advised to have my brother give me money and to have my mother take out another loan in the amount of XXXX to assist with the down payment, she says that she will write this as a gift. She also had me make up a story to tell underwriting that I will be using an XXXX to get back and forth to work to support the reasoning off " getting rid '' of my car. Even though the understanding between me and XXXX is that I would continue to pay my mother and then get the car refinanced back in my name. 
I have closed on the house ( $ XXXX ) and have moved into the home and has since needed to begin to make payments on my car and pay my brother back for the amount. Now I am unable to make my mortgage and am facing foreclosure or trying to sell the home. I have recently learned that the things I were advised of were malpractice and were examples of predatory loaning.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
XX/XX/XXXX - letter from XXXX indicating that mortgage was paid in full. 

XX/XX/XXXX - Demographics printout ( showing a balance of {$0.00} ) and Real Estate Insurance received with Mortgage Interest Statements from XXXX and XXXX that show 2 totally different account numbers. 

XX/XX/XXXX - letter from Mr. Cooper stating that there was a Unpaid principal balance of {$73000.00}. 

XX/XX/XXXX - letter from XXXX XXXX XXXX stating that we signed a Equity Line of Credit Agreement with a rate of 9.250 % that was later lowered to 5.02 %. We did not sign these documents. 

XX/XX/XXXX - letter from Mr. Cooper stating that the loan is still active with a balance of {$74000.00} and they were unable to complete a Release of Lien.

Deed to our home seems to have been stolen ( we have copy of original deed and the second deed does not have signature of Clerk of Court on copy sent to us

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: FL

Complaint narrative:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT XXXX HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

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 2020-10-06 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: FL

Complaint narrative:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT XXXX HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XX/XX/2020, I submitted letters to all three credit bureau 's as well as submitted a complaint through Consumer Finance and was advised to contact the companies directly to have the inquiries removed. I did not submit an inquiry to have my credit run for any auto loan and now I have several inquires posted on my credit report nor did I authorize my credit to be run.

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 2020-10-06 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In XX/XX/2020, I submitted letters to all three credit bureau 's as well as submitted a complaint through Consumer Finance and was advised to contact the companies directly to have the inquiries removed. I did not submit an inquiry to have my credit run for any auto loan and now I have several inquires posted on my credit report nor did I authorize my credit to be run.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: NM

Complaint narrative:
Equifax has XXXX  up my acccount since the data breach. I have not been able to access my account even though I have filled out and submitted their form to prove my identity several years ago. I am trying to do a VAIRRL refinance on my existing VA mortgage. The VA requires that the bank have access to all three credit bureaus. Since I can't give them access ( all three are frozen ) they can not process the loan. I have tried for years to straighten out this problem to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

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 2020-10-06 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: NV

Complaint narrative:
On XX/XX/XXXX I sent a certified letter to The three ( 3 ) major credit bureaus and XXXX XXXX account number # XXXX, to validate this account, and received no responses. 
On XX/XX/XXXX, I sent another certified letter to the three bureaus and XXXX XXXX, account number # XXXX, once again to validate this account and once again they failed to validate this account within the thirty days allowed according to the " Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) '' And they are now in violation of XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX. XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ) and 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 2020-10-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Called Home Depot to request a copy of a receipt or charge in 2002 for XXXX ( XXXX XXXX XXXX XXXX ) because XXXX  XXXX ( XXXX ) refuses to honor the warranty if I cant fond the receipt even though I initially registered the product. According to XXXX XXXX XXXX , Home Depot Credit only maintains record for 2 yrs. I was sent given several telephone # ( s ) to call, hold time ( terrible service ) : XXXX ; XXXX ( given 2x-called on 2 separate occasions-one with CSR ) ; 1st time, a female named XXXX claimed doesnt have the capability to look up the information & transferred me. Filed a complaint # 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 2020-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmerAssist A/R Solutions, Inc.
State: CA

Complaint narrative:
On XX/XX/2020 XXXX smile dental group send me the final bill for {$420.00}. I did dispute but they send me to the collection agency ( Amer ASSIST Solution Inc ) XXXX XXXX and they send me the bill for {$380.00}. I tried to log in to make a payment online but no luck. Therefore I called them to make a payment via a credit card they said they don, t accept. It should be check and asked for my checking account information. I told her to charge for {$380.00}. But the next day I notice they used my account information on a false check with someone else name and were purchasing products in stores for {$300.00}. I did call them back and share the problem with them this time a manager and from Amer Assist answered and i paid {$380.00} but again I notice another transaction on my account for the amount of {$310.00}. I called my bank and told them the story, they did credit me for {$380.00} and XXXX but not the {$300.00}. I called the XXXX XXXX group and explained what happened to me and asked them to get my name out of this collection but she said she can not do anything. I feel I owe the collection agency or XXXX dental-only {$27.00} since I was already scammed for {$300.00}. I do not want the collection agency to send me bill since i am trying to solve this with the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America contacted me by email and text on XX/XX/2020. They wanted me to verify if several charges had been made. There were several one dollar declined charges from XXXX XXXX XXXX XXXX in XXXX TX that they presented to me and one that was actually mine from XXXX. I identified the charges that I did not make and they cancelled my card and sent me a new one. The next day I looked on my account and noticed that they had let a XXXX XXXX dollar charge go through from the same grocery store. I called them directly and let them know this. At this time my account was overdrawn and I wanted to make sure that they did not charge me an additional XXXX XXXX dollar insufficient fund fee. She thank me for making them aware of it and ask me questions. such as did I have my card or did I know of anyone who could have my card. They did not credit my account for the XXXX XXXX dollars until XX/XX/2020. The credit is pending while they investigate the fraudulent incident. This is not their normal operating standards. They normally will not let me over draw my account while making purchases with my debit card, but they let this one go through. Additionally they are now telling me that the credit is pending. I can prove that I was at work in XXXX, TX at the time of the fraud.

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 2020-10-06 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:
I fully know the following accounts arent mine and I sent a FTC and police report To Experian to validate my claims and they haven't honored the law.

According to the Fair Credit Reporting Action and Section 605B, Experian must block information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) as a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. The key word is alleged identity theft. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 2020-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Case ID XXXX, I am not able to find the status after received your email notification

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
On XX/XX/2020, I received a notice on my credit report that I owed {$1300.00} to Phoenix Financial Service. Original date was XX/XX/2020. Due to my XXXX I often fainted at work, or was incoherent or confused, and would be taken to the hospital without my consent, however I do not remember being taken by ambulance to the hospital. I do believe this charge is incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: GA

Complaint narrative:
I was a victim of identity theft in XXXX. I have had several other phone bills in my name from multiple different states and companies. Please look into this. I've only had sprint in XXXX and that was on someone else 's plan. I'm in the middle of recording my credit and now my score just took a bit for 50 points. I would like my points back please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
They call me all night and all day its so annoying!!!!!!! Midland credit?? What is that? I dont owe them NOTHING! Leave me alone!

Company response to consumer: Closed with explanation