vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-29 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: SC

Complaint narrative:
On XX/XX/21, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. Please help me get these accounts updated and get my credit back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC.
State: CA

Complaint narrative:
I applied for a mortgage loan refinance with XXXX  and was approved for a jumbo loan. I signed loan documents with a notary on XX/XX/2021 and transferred money to XXXX  via bank wire to complete the loan. The loan was suppose to fund on XX/XX/2021 but it did not. About XX/XX/XXXX, I sent an inquiry to my loan originator and he got back to me and told me XXXX  was sold to Guaranted Rate and all loans ( about XXXX ) that were approved to fund had to be done using Guaranteed Rate documents and that take about 2 weeks to finish. I agreed to continue with the loan as I understood I just had to redo the documents with a notary using Guaranteed docs and they would honor the original mortgage rate with a reduced cost to me for my inconvenience. 

Well it has been 2 months now and the Guaranteed Rate loan originator keeps asking me for updated docs. I have sent them updates documents ( pay stubs, bank records, etc.. ) after each request. Again today, I was asked for updated docs and I am unsure if I am being scammed now because my wife and I are well qualified ( income / savings / debt to income ratio and credit are all easily within funding parameters ) to obtain a loan. 

My question is ; if I was qualified for a loan, signed loan docs with a notary and wired a significant amount of money to complete the loan contract, is there a breach of contract by Guaranteed Rate since they purchased XXXX? 

I also told that the other XXXX applicants who were approved for a loan like me had to go through the same process I am going through, which is not fair to any of us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
Chase wrongfully reported 30 day late fro XX/XX/XXXX. Payment on XX/XX/XXXX and posted on XXXX for the total of {$400.00} was paid for the amount due in XX/XX/XXXX {$200.00} and XX/XX/XXXX for {$200.00}. Chase DID NOT POST PYAMENTS CORRECTED AND AS REQUESTED. INSTEAD OF APPLYING THEM FOR 2 MONTHS THEY POSTED IT ALL FOR XXXX, AND NEVER CALLED EMAILED OR CONTACTED ME IN XXXX FOR THE PAYMENT THUS I ASSUED IT WAS ALL PROCESSED CORRECTLY. Later I can't to find out they reported a 30 day late damaging my credit for XX/XX/XXXX. I have been arguing with Chase trying to resolve this matter to no avail ... Please help correct this injustice. 
I spoke with XXXX in the CBSU on XX/XX/XXXX at XXXX ET - the call lasted 1 hour and 1 minute. The CBSU does not provide employee numbers or Last Names and said that the call date and call time in conjunction with my account number would be sufficient as the account notes are clearly documented.. I also spoke with XXXX in the CBSU this morning XX/XX/XXXX at XXXX ET for 28 minutes. This call was also recorded. I'm also attaching my bank statement which shows the XXXX payment being withdrawn from my account on XX/XX/XXXX. 

I would like to assert that the payment I was required to make on XX/XX/XXXX included both XXXX and XXXX 's payment for XXXX - and I would like Chase to prove ( or disprove ) that. I firmly believe that there is a bank error in the crediting of my payment and that I was clearly under the impression that my XX/XX/XXXX payment include the XX/XX/XXXX payment for XXXX and the XX/XX/XXXX payment for XXXX ( paid early ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: IL

Complaint narrative:
I recently noticed incorrect and false information on my credit report. please see attached FtC report that was filled to remove false wrong information from my credit report as I have also been compromised due to the XXXX  data breach. pLEASE remove the public record accounts 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 explanation
Consumer complaint received 2021-03-29 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: IL

Complaint narrative:
I recently noticed incorrect and false information on my credit report. please see attached Ftc report that was filled to remove false wrong information from my credit report as I have also been compromised due to the Equifax data breach. pLEASE remove the public record accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Our new mortgage company, Shellpoint Mtg, took over our mortgage right before Covid. I lost my job in XXXX like many Americans and struggled to pay the mortgage out of savings until we couldn't and requested forbearance around XX/XX/XXXX of last year. We've been in forbearance for the past 6 months ( which doesn't end for us until the end of XX/XX/XXXX ) and suddenly received a letter from the mortgage company last week with a PAST DUE amount of {$7200.00} which they will start reporting to all credit agencies XX/XX/XXXX. We were shocked and contacted the mortgage company to explain that I was still unemployed and the need the forbearance in place while I look for a job and would like the amount owed to be deferred to the end of the mortgage schedule. They explained that they refuse to allow me to stay in forbearance ( as I have no job ) and that I either need to pay {$7200.00} to avoid the negative reporting, or I could come off forbearance ( to begin monthly payment ) and request deferment at that point which would avoid the negative reporting. 

How am I supposed to look for a job which requires me to have decent credit, with a demand of either pay {$7200.00} right now or end your forbearance and then we'll agree to give you deferment. It's like they got me trapped and I have no choice when I don't have any options. 

PLEASE HELP - this can't be legal that they can negatively report that I am delinquent while I'm in forebearance. That just doesn't make any sense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: LA

Complaint narrative:
I became unemployed and took a forbearance with my mortgage company Loan Care. I came back to work in XXXX and by XXXX was ready to resume payments starting in XXXX for concern of the amount owed. I was assured I would not lose my home and was given information about a deferment and placing the owed amount on the back of my loan. They were supposed to reach out and never did. I called back numerous times, each time receiving different information. I was told a deferment was not an option for me and that a supervisor would call. I have called each month trying to get accurate information until I called once again in XXXX and was told I needed to submit a mortgage assistance application. I have and they have since given me the run around and made me provide tax information for XXXX and XXXX, which have nothing to do with COVID or unemployment. I called again Friday XX/XX/XXXX and they made me print the return and sign and date it and then fax it. I had already emailed them PDF copies but the representative stated they needed proof from me it was real with a signature and date. I told the representative due to the COVID relief package my mortgage is able to move the amount on the back of the loan and he stated they are the ones that make that decision. I let them know they are not above the law and I know my rights and will seek a lawyer if need be. The way this company is treating someone who has been trying to pay since XXXX is not okay and they need to be addressed for the added stress of the process of doing things " their '' way.

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 2021-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I was laid off from my job. I remain current on my loan and applied for Forbearance in XX/XX/XXXX and was approved until XX/XX/XXXX. On XX/XX/XXXX, my home was flooded during the snowstorm in Texas, my home was not assessed by an adjuster until XX/XX/XXXX, and on XX/XX/XXXX, I contacted Loancare to start the claim check endorsement process. On this day, I learned that Loancare has my account listed as delinquent and must be monitored which requires several steps as opposed to me be current and no additional steps are required. Since then, I have called the claims, collections, and customer service departments to update my records on the insurance claims side of Loancare. 

It is my understanding that when you apply for a Forbearance, you are protected from these negative tactics. It should not take 10 business days for a company to update their internal records. this is my second complaint against this company, it seems as though their ultimate goal help you get into a delinquent status.

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 2021-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/2021, an unauthorized transaction was made on my Chase Sapphire Credit Card for {$570.00}. I called Chase Fraud afterwards to report the charge as fraudulent and got my credit card cancelled and replaced. 

In the following credit card statement, Chase reversed their position and held me liable for the charge, even though I had clearly stated that I had not authorized the transaction. The reason for denial was because there was merchandise that was delivered to an address associated with me. I was not present at that location and did not receive delivery of the allegedly associated package. 

On XX/XX/2021, I reported the incident to my local police department and obtained a copy of the written police report. I provided Chase with a copy of this police report. Once I returned to the original address where the merchandise associated with this fraud was located, I refused the package and had USPS return the package to sender and mark it as " REFUSED ''. 

Chase continued to refuse to credit the transaction and continued to hold me liable. As explained over the phone several times with the Fraud Department, this was a transaction that I did not authorize. Also explained before over the phone, XXXX has reported that the transaction was made under a guest account with a fraudulent email address that does not match any of my known email addresses. I received no receipt of the purchase from the sender nor did I authorize this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: P.S.C., Inc
State: WA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, Puget Sound Collections added derogatory marks on my credit reports. Upon further research, those accounts were transferred /sold and I am no longer responsible for them. Debtors creditors did not verify those collections. Also there was no written form of communication, contract or signature for those account debts at all. 
Please provide me with the following : Signature for those account debts at all. 
What the money you say I owe is for. 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor. 
Prove the Statute of Limitations has not expired on those accounts. 
Show me that you are licensed to collect in my state. 
Provide me with your license numbers and Registered Agent or Agent of Service.

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 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint and there is no 3rd party involved. This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC
State: MA

Complaint narrative:
I am receiving letters from a company that represents XXXX. They are claiming that I owe them {$180.00}. I do not. Upon cancelation of my service from XXXX I asked the representative if I was clear of my obligation to them and they assured me that I was. I am receiving messages threatening my credit rating and I don't owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: WA

Complaint narrative:
On XX/XX/XXXX, SOUTHWEST CREDIT SYSTEMS add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: SC

Complaint narrative:
I hope you can help me to remove these items from my credit because I can not progress in my life like buy a house, get car or even get a credit card. The way life is now credit is everything. On XX/XX/21, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. I am the only one who is working in my family and i need to provide a good life to my parents and these fraudulent items will hurt me to provide as son. so please help me while I move forward with helping my family thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
Experian is reporting a collection account thats not mine. XXXX XXXX XXXX {$620.00}. I had never had a XXXX account and never will.

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 2021-03-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank added a {$6800.00} fee that was not disclosed the night before scheduled closing and my scheduled moving date. Mortgage representative stated in writing the fee would not be added and it still was. When I spoke with the representatives supervisor, he discouraged me from complaining and said they may not give me the mortgage if I complain about the lies from the company. The supervisor has not responded to calls and emails over the past 10 days requesting escalation to their legal team.

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 2021-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
THIS IS ANOTHER DEBT COLLECTION FRAUD BY AWA COLLECTIONS XXXX XXXX XXXX XXXX CA XXXX XXXX AWA COLLECTIONS THIS STATEMENT IS ADDRESS FROM THIS ADDRESS DEPT XXXX XXXX XXXX XXXX CA XXXX AND THEN THE PAYMENT ADDRESS IS TO BE SENT TO XXXX XXXX XXXX PAYMENT CODE CITY XXXX CA, THIS INFORMATION IS ALSO SENT TO FTC. THEY ARE REQUIRED BY LAW TO STOP THESE FRAUDULANT COMPANIES SENDING STATEMENTS OF DEBT THAT IS NOT OWED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
XXXX is reporting a collection account thats not mine. XXXX XXXX XXXX {$620.00}. I had never had a XXXX account and never will.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My bankruptcy from 2013 had my ex-husband 's house on it., It was not my house. Experian will not remove 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 explanation
Consumer complaint received 2021-03-29 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: NY

Complaint narrative:
Theres unauthorized inquiries on my credit report and I would like to have them removed XXXX  removed these disputed inquiries but Equifax and XXXX  hasnt all three credit bureaus are reporting different inquiries

Company response to consumer: Closed with explanation