vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My ID is spelled wrong for my last name so chase held my money. I did a mobile deposit on an insurance check and Chase claimed that they didnt have a verifiable number for the company to deposit the check. So they held it for 10 days and kept my money and closed my account. They are now holding my money after a year. This happened XX/XX/2022. The amount is XXXX. Ive called over 15 representatives and went to their headquarters and not one person assisted me on where to go to get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I do not recognize these inquiries. I contacted the bureaus and asked him to delete them. And they did not do it..I 'm providing a identity theft. Report that I made and it would be attached to. This. Message. So could you please take that as well as delete these fraudulent? Inquiries off of my report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I do not recognize these inquiries. I contacted the bureaus and asked him to delete them. And they did not do it..I 'm providing a identity theft. Report that I made and it would be attached to. This. Message. So could you please take that as well as delete these fraudulent? Inquiries off of my report. 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 non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : 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 XXXX 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 2023-11-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: U.S. BANCORP
State: AL

Complaint narrative:
I applied for mortgage relief in XXXX due to loss of income related to COVID 19. After several months and getting the VA involved, the loan modification was approved but added a second mortgage and ten additional years tof payments o my mortgage account. I went into foreclosure this year, unbeknownst to me, because XXXX  was returning my payments. I finally got this settled and got my loan reinstated only to be hit with an escrow analysis and {$600.00} mortgage payment increase. US Bank, the mortgage company, is attributing the {$600.00} per month increase to the homeowners insurance company, USAA. The premium increased by {$2500.00}, from {$5000.00} to {$7600.00}. If I do the math, this is an increase of {$210.00} per month for the annual increase of {$2500.00}. I do not pay property taxes because of my XXXX  disability rating. Neither company has adequately explained to me why my mortgage increased by {$480.00}, from {$1700.00} to {$2200.00}. Furthermore, my account was reinstated in XXXX and the escrow was analyzed in XXXX. Im being told my mortgage escrow account will be reanalyzed again in XXXX. I closed on the house in XX/XX/XXXX and my escrow is usually analyzed in XXXX. I am not sure why the escrow account is being analyzed multiple times per year. The analysis impact my monthly payments which is a big deal for me right now. Furthermore, I feel as if XXXX and US Bank are in cahoots with each other since XXXX referred me to US Bank for my mortgage when I initially started this process. When I asked XXXX what the rebuild estimate was based on, I was told the characteristics of my home not the market value. This makes no sense to me since no homes in my neighborhood are priced at $ XXXX. I dont understand how the rebuild price is more than a new build price for a nighborhood with homes ranging in price from $ XXXX to $ XXXX. I also asked if my home were to be a total loss today, would XXXX pay me the insurance value or the value of what was owed on my home and I was told the rebuild value but dont believe that response. Consumers should be able to decline insurance premiums over and above what they owe on their mortgages.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am in the process of applying for a mortgage. The XXXX, Transunion and XXXX reportedmy mortgage inquiries assepartae inquiries. I submitted the mortgagerequeststo obtain the best rate all within a 45 day period. The credit bureaus arereoprtingthem as separate inquiries. I am allowed to shop for the best rate within a 45 day perod to reflect as 1 hard inquiry. The credit bureaurs arereporting the mortgage inquires as seprate requests which have resulted in my credit score being lowered by almost XXXX points. I want the credit bureaus to accurately reflect that my mortgage application inquiries should be reflected as one inquiry in my credit score.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am in the process of applying for a mortgage. The XXXX, XXXX and Experian reportedmy mortgage inquiries assepartae inquiries. I submitted the mortgagerequeststo obtain the best rate all within a 45 day period. The credit bureaus arereoprtingthem as separate inquiries. I am allowed to shop for the best rate within a 45 day perod to reflect as 1 hard inquiry. The credit bureaurs arereporting the mortgage inquires as seprate requests which have resulted in my credit score being lowered by almost XXXX points. I want the credit bureaus to accurately reflect that my mortgage application inquiries should be reflected as XXXX inquiry in my credit score.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : Account Name XXXXXXXX XXXX  XXXX # XXXX XXXX Account Name : XXXX XXXX XXXX has no late payments/has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
You say that you have reinvestigated these accounts but you've admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. 


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

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately

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 2023-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX. XXXX : I claim Wells Fargo perpetrated XXXX  and intentional gross negligence on me as a mortgage Consumer from XX/XX/XXXX to XX/XX/XXXX 1 ) From XXXX of XXXX to XXXX of XXXXXXXX  Wells Fargo denied approval of loan modification due to over XXXX false entries on my mortgage account history that directly resulted in denials of loan modifications. examples of statements in my account history posted by Wells Fargo : I am XXXX, I am a man, I am XXXX XXXX XXXX, I had a baby, I am in the military, that loan modification options are exhausted ( 10 months prior to submitting the initial Request for Modification Approval ( RMA ). 
2 ) Wells Fargo also did not apply payments that were made by me from XXXX XXXX XXXX. 3 ) Wells Fargo illegally dual tracked my by suppressing decisions on a loan modification while filing foreclosure on me at the same time XX/XX/XXXX violating RESPA laws. 

Please see 50 pages of documentation to support my complaint/claim. Including the following : 1 ) 200 of the 1600 false entries made by Wells Fargo from XXXXXXXX XXXX XXXX ; and 2 ) copies of mortgage statements showing unapplied funds ; and 3 ) to support the claim of illegal dual tracking - copies of the XXXX XXXX and court case documents that occur simultaneously with the dated entries on the Consumer 's account for loan modification decisioning made by Wells Fargo. Also copies of the entries where Wells Fargo intentionally suppressed the loan modification decision to the Consumer in an attempt to `` avoid '' the appearance of dual tracking.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
to my consern iam writing to request the removal of unauthorized credit inquiries on my experian credit report my latest credit report shows 12 credit inquiries i did not authorize XXXX  11 credit inquiries i did not authorize

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have sent XXXX XXXX numerous of letters and evidence to remove the inaccurate late payments off my report and they have ignored all of my attempts and continue to violate the consumer laws of15 U.S. Code 1681n - Civil liability for willful noncompliance and also15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

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 2023-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: MD

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ) Team, I am filing an urgent complaint regarding an unauthorized and fraudulent collection account reported by Credit Management LP on behalf of XXXX XXXX, which has appeared on my credit report. This account is a direct result of identity theft and is causing significant distress to my financial standing. I want to assert that I have never conducted any business or held an account with XXXX XXXX at the address associated with this collection account. This discrepancy indicates a clear case of identity theft, which has unfairly impacted my credit history and overall financial well-being. The presence of this unauthorized collection account has created an erroneous and unjust impact on my credit report. I am formally requesting the immediate removal of this account from my credit report. Additionally, I insist that all collection activity related to this account by Credit Management LP cease immediately. It is evident that the reporting of this account violates the Fair Credit Reporting Act ( FCRA ) due to its fraudulent nature, and I firmly believe it infringes upon my rights as a consumer. I demand prompt action to rectify this situation and to restore the accuracy and integrity of my credit report. Enclosed with this complaint, you will find supporting documentation that substantiates the claim of identity theft and the erroneous reporting of this collection account by Credit Management LP. I urgently seek your intervention to investigate this matter and ensure the immediate removal of this fraudulent account from my credit report. Additionally, I request your assistance in halting all collection activities associated with this account. Please do not hesitate to contact me should you require further information or supporting documentation. Thank you for your immediate attention to this matter. I eagerly await your prompt resolution and assistance in addressing this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-11-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
On XXXX XXXX I paid PHH Mortgage XXXX .The check cleared on XXXX XXXX. On XXXX XXXX I received a letter stating I was in default of my loan because they didnt receive my payment.I wen to my bank on XX/XX/XXXX and got a signed copy from the bank showing the check had been paid.Because when I faxed the first copy they also claimed they couldnt read it. So thats when I went to the bank.I have emailed, faxed and mailed letters over and over and every time they say they can read it or its not legible.The last letter I received was XXXX XXXXsaying I was in default! I havent missed a payment I pay my mortgage every month.they have also added late fees to this loan. I dont know what to do.my nights are sleepless because of this. I would like to file a complaint against PHH Mortgage! 
Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting 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:
See letters attached

Company response to consumer: Closed with non-monetary relief