vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a conAfssumer.

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 2024-02-19 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: GA

Complaint narrative:
CHARGE OFF ARE CONSIDERED TO BE EARNED INCOME. I REQUEST A 1099C AND THEY DID NOT SENT ME A 1099C. INCOME IS FORBIDEN TO BE ON A CREDIT REPORT ACCORDING TO CONGRESS :15USC16812AI NO TRANS ACTION OR EXPERENCES ARE ALOWED TO BE ON A CREDIT 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 non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Mortgage of {>= $1,000,000} issued in XX/XX/XXXX. Missed XXXX payment in XX/XX/XXXX, due to personal financial issues ( divorce ). The XX/XX/XXXX payment was the last payment ever made. XXXX Foreclosure was filed, XX/XX/XXXX, I represented myself XXXX XXXX ( which obviously was a major mistake ) but I could not ever afford an attorney. I got the XXXX foreclose card Dismiss in XX/XX/XXXX. There was basically XXXX contact from XX/XX/XXXX to XX/XX/XXXX. Additionally it was XXXX serviced by Ocwen ( its my understanding they have been successfully sued by every State Attorney General ). Later the mortgage servicing was assigned to their Subsidiary PHH. I just was informed last week by an attorney I should have filed a motion for Violations of the Fair Debt Act, Statue of Limitations and it seems to be a Zombie Mortgage. Again, I could never afford an attorney. Foreclosure was filed again, in XX/XX/XXXX and Foreclosure Judgement wax issued in XXXX, just before Covid-19. They filed in XX/XX/XXXX, for Auction and I filed bankruptcy. 

From XXXX all the way until this day, I have submitted in writing multiple settlement opitions ( 4 times, offering the full original principal up to {>= $1,000,000} to reinstate and even to have the mortgage settled for XXXX XXXX 

PHH keeps playing games with the actual value which has went up and down over nearly 17-years. My house has very unique factors since it was built under old building codes, 75 % is at flood plain and insurability is an issue. Additionally, I had damage in XXXX Hurricanes, XXXX I paid cash to repair. XXXX I finally file an insurance claim with PHH forced place insurance and they denied the claim and I now have a law suit filed. The house is barely in habitable. They are playing games to get me out vs in good faith trying to settle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
This complaint is filed against Chase Home Mortgage. As stated in the previous complaint against XXXX XXXX XXXX XXXXXXXX ), a payment was made to Chase Home Mortgage using an online bill pay application from XXXX XXXXXXXX on XX/XX/XXXX in the amount of {$330.00}. The payment was intended for a different entity of Chase ( Chase Amazon CC ). I acknowledge that I selected the wrong Chase entity, but that does not mean any money was owed to Chase Home Mortgage and it should be returned. We used to have an account with Chase Home Mortgage some time ago, but the mortgage was paid in full/closed and no further funds were due to them. I have contacted Chase Home Mortgage several times seeking return of funds and they have claimed over and over that it is not their policy to accept payment on a closed/paid in full mortgage. It seems both banking entities involved here claim the other is responsible for resolving this issue and both claim they no longer have the funds. XXXX XXXX can provide no proof that money was in fact transferred to Chase and Chase claims they would not accept it if were. There is {$330.00} that seems lost within the banking system and I as the consumer is the one not getting help from either bank. XXXX XXXX claims Chase has the money and should be the entity that returns it to us. On a recent phone call on XX/XX/XXXX I spoke with XXXX at Chase who claimed they were still looking in to it yet I hear nothing unless I spend time on the phone trying to resolve this issue. The {$330.00} is somewhere, there should be a trail of when it was sent and what happened to it, yet here we are.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want to emphasize that I have no connection with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay. I also request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit 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 2024-02-19 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In the course of reviewing my credit report, I spotted an erroneous and fraudulent account that need reporting and correction through your company.

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 2024-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
We have been trying to get accurate information regarding this mortgage account for payoff. They have not been upfront with us and have made our life a living XXXX. The balance due on the principle of the home was {$6.00}. By the time the mortgage company finished with the balance it was calculated without an appraisal done by me in an amount that was mind boggling. It was posted at over {$53000.00}. 
We were asked to get an certified appraisal to appraise the home and we did XX/XX/year>. We sent all requested information as asked for by the mortgage company. The certified appraisal company forward a copy to the mortgage company as requested. They asked that we send proof of home improvements and we did. We've gotten the run around. We called several times and the phone has been re-routed many times. They say they have reached out to us and the phone calls never gets through. We were able to communicate once and the conversation was recorded. The things that the representative asked for in the recording was received, but not honored. We feel because we are senior citizens over XXXX of age that we are are being taking advantage of and our cry has fallen on deaf ears. We are at our wits end with this mortgage company and it appears these fake charges makes us looks like we are not concern about our home and that is not the issue. We have live in our home for many years and now that we have aged I/ we find it extremely disheartening.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: DISCOVER BANK
State: TX

Complaint narrative:
Discover XXXX is my inquiry ( 2 ) times. Not Authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Commencing on or about XXXX XXXX XXXX  I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ) operating under the domain XXXX with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of the client losses to gains. 
Money was transferred from my BOA account in the total amount of XXXX USD utilizing your services.

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 2024-02-19 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: PA

Complaint narrative:
After investigation, it was found that my identity was stolen. Any inaccurate information needs to be removed from my credit report. All credit inquiries as well need to be removed from my credit report a police report will be in this document as well as identity theft report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: PA

Complaint narrative:
After investigation, it was found that my identity was stolen. Any inaccurate information needs to be removed from my credit report. All credit inquiries as well need to be removed from my credit report a police report will be in this document as well as identity theft report as well.

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 2024-02-19 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: PA

Complaint narrative:
To whom this XXXX concern, my name is XXXX XXXX XXXX this is not a 3rd party filing this Notice.

According to 15 USC 1681 B2 my permission is needed for any person to access or furnish on my consumer report. The permission wasnt granted by me. Not only are inquiries being reported without due cause. My right to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 usc 1681 ( a ) ( 4 ) I demand that each and every item Im disputing to be removed. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To whom this XXXX concern, my name is XXXX XXXX XXXX this is not a 3rd party filing this Notice. 
According to 15 USC 1681 B2 my permission is needed for any person to access or furnish on my consumer report. The permission wasnt granted by me. Not only are inquiries being reported without due cause. My right to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 usc 1681 ( a ) ( 4 ) I demand that each and every item Im disputing to be removed. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).

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 2024-02-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MA

Complaint narrative:
On XX/XX/XXXX, Jefferson Capital sent a collection letter to me for {$180.00} XXXX ref XXXX. I disputed the debt in writing via XXXX XXXX. I discovered the collection account on my XXXX report. 


Account info Account name JEFFERSON CAPITAL SYSTEMS Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$180.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$180.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$180.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX This debt was alleged by XXXX but resolved by my complaint to Massachusetts XXXX XXXX XXXX XXXX XXXX. I received a letter from them on XX/XX/XXXX that included a copy of letter from XXXX  removing the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX I initiated and paid for a rental car with my JP Chase Morgan United Explorer Card ( " Chase '' ). This card is advertised by Chase to include an Auto Rental Collision Damage Waiver benefit providing primary benefit coverage for rental periods up to 31 consecutive days. On XX/XX/XXXX I had a minor accident resulting in a dent and scratches to the right rear fender of the rental car. The rental company had the car repaired at a cost of XXXX Euros. On XX/XX/XXXX I notified the Chase Benefits Administrator and was told to file an online claim with the insurance company XXXX XXXX who administers the insurance benefit for Chase and was told to file a claim using their online claim process XXXX XXXX XXXX XXXX  ). I did this, uploaded the requested documents including damage photos, the invoice from the care rental agency for the repairs, etc. Since filing the claim I started periodically going online at the XXXX site to check status. The status continues to state " Pending ''. I have made numerous calls to the number and, even after waiting for hours on hold, have never had an agent or representative pick up the phone to provide an explanation of the status of the claim. I have also reached out to Chase, most recently on XX/XX/XXXX for assistance with resolving my claim or moving it forward. Chase customer service redirects calls their " Benefit Administrator '' who also doesn't pick up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit 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 2024-02-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : 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 explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I completed a stock shoot with XXXX XXXX XXXX XXXX in which I received a {$500.00} check as payment. In an effort to diversify my savings accounts, I opened a high yield savings account with Ally Bank to deposit the check. I submitted the check via mobile deposit. 

After logging in a few times, my account was locked. I called Ally Bank and they claimed the check I submitted was fraud and that they closed my bank account. They notified me that the funds would be sent to me via check to the address attached to my account. Although I knew the check was not fraudulent, I knew there was nothing I could do to get my account reinstated. Months passed and I never received any correspondence from Ally nor a check in the mail. 

On XXXX XXXX, XXXX XXXX, the owner of XXXX XXXX XXXX XXXX, notified me that the check was, in fact, posted ( see attachments ) on XX/XX/XXXX. I immediately called Ally Bank to see where the {$500.00} deposit went to which they claimed that the funds were never deposited and the check was never accepted. I asked for a claim number and follow up. They gave me the claim number XXXX. 

A week later, after receiving no word of my dispute, I called to follow up yet again. I was notified that the check was never posted and that the account was closed. I never received details about the investigation or an answer as to why the check was showing as posted from XXXX XXXX XXXX XXXX 's when Ally Bank claimed the check was never posted.

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 monetary relief
Consumer complaint received 2024-02-19 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Experian, XXXX and XXXX and the list of accounts provided in attachments, have violated my consumer rights to privacy and confidentiality under 15 USC 1681. I the consumer has not given authorization, to furnish any private information. 15 USC 1681 ( FCRA Section 602 ) states that I have a right to privacy. Furthermore, 15 USC 1681, section 604 A, subsection 2, explicitly states that a consumer reporting agency can not disclose an account without my explicit written instructions. Additionally, as per 15 USC 1681c. ( a ) ( 5 ), it is explicitly prohibited for any consumer reporting agency to include specific types of adverse information in a consumer report, particularly information predating the report by more than seven years, excluding records of crime convictions. In accordance with 15 USC 1681s-2 ( a ) ( 1 ), it is impermissible to provide any information to a consumer reporting agency if there is knowledge or reasonable cause to believe that the information is inaccurate. Experian, XXXX and XXXX ( Credit Reporting Agencies ) Have allowed several inquiries sharing my private information. Submitted with this complaint are the communications to the Credit Reporting Agencies opting out of any authority that XXXX have been given. I have also included the reports from all 3 agencies with inaccuracies and unpermitted inquiries. I have called all 3 agencies and disputed inaccuracies and to have private information removed. The result of these issues has made it difficult to provide happiness for my family due to denial of goods and services due to unfair consumer reporting.

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 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax continues to report old derogatory tradelines that other CRA have updated in a timely manner. 

Specifically, XXXX XXXX / XXXXXXXX charge card should have fallen off as account info is incorrect and both have aged 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit 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 non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: NY

Complaint narrative:
I am a college student with little knowledge of credit cards or loans. I was sent a credit card with my name on it in the mail that I did not apply for and Im afraid that my identity had been stolen. The card was a debit Visa card from NetSpend. I tried to contact the company but was unable to get someone in the phone.I have also received many letters from banks that my applications for loans have been denied that I also did not apply for. A few months ago I froze my credit and filed a fraud report so i dont know what else to do.

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