vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
To summarize, housed burned down in XX/XX/2020. Reported it to the mortgage and insurance. They eventually sent me a check for {$140000.00} which was made out to both me and my mortgage company. I was told to endorse it and send it to their bank, which I did. They were suppose to pay off my mortgage and return the difference ( about 1/2 ) to me, but they never returned my half. An attorney told me to do it that way, because the ins. co. said that I don't get anything if I don't restore to the full value, but they were not giving me enough to rebuild as they wanted. I had previously tried to get Ca Dept. of Ins. to help and they referred me to a Ca agency, each taking paper work and time. The Ca agency said they could not help, and the ins. dept. then referred me to Office of the Comptroller of the Currency. OCC said my " complaint is against an entity that does not fall under the jurisdiction ... '' and they referred me to you. Today, I got a notice from the Sheriff to clean up the burned house, but I need money to do it. I thought the OCC would help and so I sent them a lot of papers that I hope they will forward to you, because I am old and tired and sent them originals. Also, the letter from OCC is made out to me and to " XXXX XXXX '' that is my middle and maiden name. Not a different person. Please help me end this night mare. I paid XXXX XXXX  XXXX. for 16 years for nothing. I so hope you are the end of the line, and can do something. Just tell me what else you want and I will get it done. I do have XXXX, and so only have about 1/2 a day each day. Took extra meds just to get this to you. Always tired.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: Global Lending Services LLC
State: GA

Complaint narrative:
on the date of XX/XX/2019 there was an inquiry made on my credit report by Global Lending Services that I did not authorize. I disputed this inquiry. I attempted to reach out to the creditor to resolve this matter but to no avail. 

on the date of XX/XX/2019 I received and inquiry on my credit from XXXX XXXX that I did not authorize. I disputed this inquiry. I attempted to reach out to the creditor to resolve this matter but to no avail. 

on the date of XX/XX/2019 I received an inquiry that I did not authorize from XXXX XXXX XXXX XXXX. I disputed this inquiry. I attempted to reach out to the creditor to resolve this matter but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: OH

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: NY

Complaint narrative:
I was contacted by mail by Balanced Healthcare Receivables, XXXX NH In the letter says that XXXX XXXX placed it with them. 

Have asked them to valid the debt, and they have refused, furthermore I stated that I have settled with XXXX XXXX of XXXX XXXX all charges and made a lump payment covering all charges. 

I have met abusive and obnoxious people at Balanced Healthcare, whom they accuse me of committing criminal acts, and have violations of the Fair Debt Collection Practices Act. including attempting to collect debts not owed and illegal communication tactics. I followed with a email to XXXX and no one has responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/2020 my families home was approached at XXXX XXXX  PST by a man of XXXX decent. First he approached my teenage  daughter in our driveway asking her questions about me which is to my understanding unlawful. I have no clue who he was nor did he identify himself of his association other than he has some papers for me to sign. I told him I do not know who he is and to leave my home immediately as I am not opening a door for someone who can not state their association or business. I asked him over three times to leave the property and when he didn't I quickly phoned the local police department and showed them the video of the man who approached my home as well as a photo of his vehicle. 

XX/XX/2020 another man of XXXX decent approached our family home at XXXX XXXX PST and then phoned me as well. Please keep in mind that I am asleep and should not be getting phone calls at XXXX XXXX. I further advised very nicely and clearly I do not know him or is partner and to not approach my families home. If he is working for a provider they can mail me a certified letter if they have business to attend to with me but coming to my family home harassing my family my family on private property is unacceptable and I will phone the authorities going forward if they continue to harass my family. 

Again, no credentials presented when I ask who he is with, no documentation mailed from this supposed collector and yet my family home is being harassed with multiple gentleman I have no clue who they are and is rather threating to myself and my family. I have asked nicely if there is correspondence with this creditor for it to be mailed but I will not be opening my home to harassing & threating strangers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24 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: GA

Complaint narrative:
There are several accounts that are reporting inaccurately on my credit file. The following accounts are reporting inaccurately for the following reasons : Incorrect Personal Information : Names : XXXX XXXX ( XXXX ) Names : XXXX XXXX   ( XXXX and XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX  & XXXX ) Address : XXXX XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( XXXX  & Equifax ) Address : XXXX XXXX XXXX XXXX XXXX Equifax ) Inaccurate Late Payments reporting on the following accounts : XXXX XXXX - Date Open : XX/XX/XXXX ; Bal : XXXX. I was never late ( Equifax, XXXX, XXXX  ) Identity Theft or Fraud Accounts : XXXX XXXX XXXX ( XXXX XXXX XXXX ) - Date Opened : XX/XX/XXXX ; Bal : XXXX. I was never late. ( XXXX & Equifax ) XXXX XXXX XXXX - ( XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$1600.00} ( XXXX  ) XXXX XXXX XXXX - ( XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$2900.00} ( XXXX  ) XXXX XXXX - Date Open XX/XX/XXXX ( XXXX  ) ; Date Open ; XX/XX/XXXX ( XXXX  & Equifax ) ; Bal : {$18000.00} XXXX  ( Equifax, XXXX, XXXX  ) Unauthorized Inquiries : XXXX  - XXXX XXXX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX  XXXX  XXXX   XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  ( 4 TIMES ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Trans union reported that my XXXX account is at the limit but this account has been paid down to {$580.00} is my Current balance and {$1400.00} is Available 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 2020-06-24 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: OH

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my 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 2020-06-24 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: OH

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my 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 2020-06-24 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: CA

Complaint narrative:
I'm trying to buy a new car so I went to the car dealership today XX/XX/2020 and they ran my credit to see what bank would approve me for the auto loan but when my scores and reports came back, I was told I did not get approved by any bank because of some accounts reflecting badly on my credit. The accounts are from these companies. XXXX   XXXX XXXX, XXXX  XXXX XXXX and XXXX XXXX XXXX. I have never opened an account with any of those companies nor did I give anyone permission to open these accounts on my behalf. I don't know who is responsible for these accounts but I have already filed a police report. I did not benefit anything as a result of these accounts being open in my name nor did I contribute to any payments made towards these accounts. I am not affiliated to any of the companies listed above and I did not allow them to run or access my credit nor do I have any type of contract or agreement with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I've tried to ask them how to get off there list and they just hang up. Some times they vulgar when I ask them. 

XXXX, caller I'd 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 2020-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trident Asset Management, L.L.C.
State: CA

Complaint narrative:
XXXX ( XXXX ) had not sent me invoices for over 6 months. They sent me one statement in XXXX, XXXX. I immediately paid {$320.00} on XX/XX/XXXX. Three days later I received a notice from Trident Access Management staying my XXXX  account was sold to them and stated balance was {$510.00}. That was incorrect as I paid XXXX {$320.00} on XX/XX/XXXX. When I called XXXX ( XXXX ) they said my account was sold on XX/XX/XXXX and payment of {$320.00} was in transit to Trident. I requested Trident remove derogatory information from my credit report as the information was wrong. They refused and stated they had not received the payment. One month later, I called back chasing this {$320.00} that was lost. I spoke to both billing reps at Trident and XXXX. They participated in a 3 way conference call. XXXX and Trident reps went back and forth saying the payment was sent but Tirdent saying they never received it. Requested how the payment was submitted to Trident and XXXX could not provide stating may be delayed due to Covid-19 and delays with mail. I argued it would not take over a month to get mail. I asked both agencies to halt reporting on my credit report and said they couldnt do that and I could file a complaint with the breau instead. It has been two months of being placed on extreme long hold wait times trying to chase this payment when my account should not have been sold to begin with. I am submitting this formal complaint as the balance owed is {$190.00} and has been paid. The {$320.00} is still out in cyber space and no one is willing to take the time to provide me with details of how XXXX submitted the payment to Trident on my behalf ( electronic or manual check ). I would like to request this derogatory information be immediately updated on my credit report. Incredibly frustrating that no one is taking the time to help me track down this payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
A company claiming to be a " Legal Services '' company by the name of XXXX XXXX XXXX, has repeatedly called and texted family members, co-workers, and friends, leaving threatening messages. The company has claimed I am being sued, that my house is going to be taken away and that I will be sent to jail. When I tried to discuss the issue with them they called me several names and used abusive and XXXX language.

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 2020-06-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
on the date of XX/XX/2019 there was an inquiry made on my credit report by XXXX XXXX XXXX that I did not authorize. I disputed this inquiry. I attempted to reach out to the creditor to resolve this matter but to no avail. 

on the date of XX/XX/2019 I received and inquiry on my credit from XXXX XXXX that I did not authorize. I disputed this inquiry. I attempted to reach out to the creditor to resolve this matter but to no avail. 

on the date of XX/XX/2019 I received an inquiry that I did not authorize from Capital One Bank Usa. I disputed this inquiry. I attempted to reach out to the creditor to resolve this matter but to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24 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: CA

Complaint narrative:
I'm trying to buy a new car so I went to the car dealership today XX/XX/2020 and they ran my credit to see what bank would approve me for the auto loan but when my scores and reports came back, I was told I did not get approved by any bank because of some accounts reflecting badly on my credit. The accounts are from these companies. XXXX   XXXX XXXX, XXXX  XXXX XXXX and XXXX XXXX XXXX. I have never opened an account with any of those companies nor did I give anyone permission to open these accounts on my behalf. I don't know who is responsible for these accounts but I have already filed a police report. I did not benefit anything as a result of these accounts being open in my name nor did I contribute to any payments made towards these accounts. I am not affiliated to any of the companies listed above and I did not allow them to run or access my credit nor do I have any type of contract or agreement with them.

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 2020-06-24 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: CA

Complaint narrative:
I'm trying to buy a new car so I went to the car dealership today XX/XX/2020 and they ran my credit to see what bank would approve me for the auto loan but when my scores and reports came back, I was told I did not get approved by any bank because of some accounts reflecting badly on my credit. The accounts are from these companies. XXXX XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX XXXX. I have never opened an account with any of those companies nor did I give anyone permission to open these accounts on my behalf. I don't know who is responsible for these accounts but I have already filed a police report. I did not benefit anything as a result of these accounts being open in my name nor did I contribute to any payments made towards these accounts. I am not affiliated to any of the companies listed above and I did not allow them to run or access my credit nor do I have any type of contract or agreement with them.

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 2020-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Hello, I am writing this complaint today because i am extremely upset with wellsfargo 's customer service and actions lately. I've been a valued consumer of wells fargo and a loyal customer of theirs since XXXX. In XXXX of XXXX, i had contacted wellsfargo in regards to multiple fradulent activities that were happening to my credit card account, in which they confirmed i did not have to make payments until i recieved my new credit card. my case was resolved but i still didnt recieve any card, nothing in the mail, or anything to confirm. I didnt pay XXXX, or XXXX because i was out the state. but i come back home in XXXX they closed my account, and they only reason i knew was because i checked my mobile app. i was furious. i never had a late payment EVER. i never had issues with them before so why is it did no one contact me to tell me they were cloing my account. Does 7 years not mean anything. i mean i talked to representatives ive talked to superviors. all they could tell me was " ma'am '' the accounnt is closed there is nothing we can do. i told them why didnt they notify me and why after my account was scammed would they not try to help me?. now my account is closed and on my credit reports is shows 2 late payments and my score went dramatically down after they closed it. not only am i making payments after finding out they closed but they're charging me an extra $ XXXX of interest each month for my monthly payments. companys like this should work with their clients! its ridiciolous i had to even go to XXXX to make disputes and they told me that wellsfargo does not want to assist them so they had to close my disputes. i worked too hard and put alot of money in wellsfargos pocket for them to close my accounts after their representative misinformed me and never sent me documentations to my home.

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 2020-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I'VE ALREADY FILED A COMPLAINT. THE ASSIGNED CASE # IS : XXXX. 
I RECEIVED THIS LETTER ( SEE ATT. ) OF WHY THE LOAN WAS DENIED. THE REASON MAKES NO SENSE. 
I APPLIED ON XX/XX/20 WAS WORKING WITH XXXX AND WAS ASKED TO SUBMIT THE LIST OF THE FOLLOWING ITEMS BETWEEN XX/XX/XXXX & XXXX XXXX. : File Uploaded at XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX   XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX  XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XXXX XXXX XXXX   XX/XX/20, XXXX XXXX XXXX XXXX XXXX   XX/XX/20, XXXX XXXX   XX/XX/20, XXXX XXXX   XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX   XXXX XXXX XXXX XX/XX/20, XXXX XXXX XXXX XXXX   XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX ( XXXX ) .XXXX  XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX  XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX   XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX  XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX  XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX   XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XXXX XXXX XX/XX/20, XXXX XXXX XXXX   ACCORDING TO THE LETTER THE REASON FOR DENIAL WAS : " TYPE OF LOAN NOT PERMITTED UNDER PROGRAM REQUESTED '' MY REQUEST WAS TO REFINANCE MY EXISTING LOANS ON MY PRIMARY RESIDENCE XXXX 

I NEVER CHOSE ANY PROGRAM. 

AND IF THIS SO CALL REQUESTED PROGRAM WAS NOT PERMITTED WHY DID THEY REQUEST ALL THE DOCUMENTS I SHOWED FROM XXXX TO XXXX AND DIDN'T ADVISE ME I NEVER CHOSE ANY PROGRAM. 

AND IF THIS SO CALL REQUESTED PROGRAM WAS NOT PERMITTED WHY DID THEY REQUEST ALL THE DOCUMENTS I SHOWED FROM XXXX TO XXXX AND DIDN'T ADVISE ME THAT WE SHOULD PROCEED IN ANOTHER MANNER? 
AS I SAID I DIDNT REQUEST ANY SPECIFIC PROGRAM AND THEIR REPRESENTATIVE XXXX WHO I SPOKE TO ON AT LEAST 10 DIFFERENT OCCASIONS NEVER TOLD ME OF ANY PROGRAM OR ADVISED OF ANY ERROR IN THE REFINANCING. 

THIS SEEMS VERY SUSPICIOUS AND AS I SAID IN MY INITIAL COMPLAINT I BELIEVE CHASE DOESN NOT WANT TO ALLOW THE LOAN TO BENEFIT FROM A LOWER RATE. 
THESE ACTIONS BY CHASE ARE DECEPTIVE ACTS AND PRACTICES IN MY OPINION.

Company response to consumer: Closed with explanation