vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I purchased this home in XXXX for XXXX from XXXX XXXX XXXX  who went out of business and the loan was transferred to XXXX, who also went out business and the loan was transferred to XXXX XXXX. I said I made a loan on the home in XXXX and said the balance was {$280000.00}  with a deferred payment of {$180000.00}. I never missed a payment with XXXX. In XXXX of XXXX, a XXXX representative offered me a Recast on the loan and instructed me to make the first payment XX/XX/XXXX. In XX/XX/XXXX, XXXX  transferred the loan to SPS, which applied my first payment to XX/XX/XXXX. Every since then they have harassed me monthly with letters saying my loan is behind in payments. They asked me to send information on a Loan holder named XXXX XXXX. In XXXX XXXX paid state taxes for a XXXX XXXX. I checked on XXXX and it showed that the home was sold in XXXX for {$18000.00}. I am a 100 % XXXX XXXX Veteran with XXXX, physical programs. I can not afford an attorney, but need help. Please XXXX, help me through this difficult time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On Tuesday, XX/XX/2019, I was searching on XXXX for tickets to the XXXX XXXX XXXX at XXXX XXXX for game 3 in XXXX Playoffs. I found an ad that had pictures and information on the seats, and for how much. The price was {$190.00} for 2 tickets. I had contacted the person to set up a meeting and to buy the tickets. Through text message, XXXX XXXX requested money to be sent through XXXX and would then have the tickets transferred over through XXXX. I transferred the money, and heard nothing back from the person. I never received the tickets and was scammed out of {$190.00}. I then immediately call up Wells Fargo and issue a claim on the scam. Through transfer after transfer, I finally get my claim issued, after multiple telling me that ill most likely get my money back through the claim due to the information on the scam. Today, on XX/XX/XXXX, I follow up on the claim and here that the issue has been closed and declined due to it being XXXX related, this ofcourse after a countless amounts of transfers once again. According to Wells Fargo employees, XXXX claims never come back approved, so why even issue the claim in the first place, in addition why would multiple tellers tell me that they were confident in receiving my money back. In addition, apparently any XXXX account can be created with any phone number, and not the one thats tied to the bank account, which sounds like a total security hole. The money should be issued back from Wells Fargo as a refund due to the fraud protection, with money transfers are included in, which includes 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 2019-05-10 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: Skrill USA, Inc.
State: MA

Complaint narrative:
I have sent out all the other companies that where fraudently used to try and receive credit lines with my stolen identity. I contacted this organization and was immediately treated rudely, shut out, hung up on multiple times and then finally got in touch with a girl who gave me some information which then lead me to where I am at now with knowing who is responsible for the identity theft, I want this company to remove all inquiries and send any and ALL information including the application, any info used by the identity thief to open an account with them, I have reviewed this company and found very shady reports. I need this information not only to fix my credit report and have them remove the inquires but to move on with a criminal case in which I believe is a lot bigger than just me. The company and people ( s ) involved run a business where they take pictures of credit cards and licenses during their " Transactions ''. I want my dignity back, I want my hardly earned credit score back and I want these criminals to be held responsible for their actions. I certainly believe this company has a lot to hide. For now I am concerned with me, I need their inquires removed from my report and any and all information used by " ME '' ( the identity thief pretending to be me ). You guys have been such a big help and I hope you continue to be so because without a lot of evidence these local cops will not get out of their chairs or even look your way. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
The closing date was clearly socialized to the lender, for a XX/XX/XXXX closing. At every step and every document I sent over, I asked in writing if we were still on track to close on time, and I was told yes. At the very end of the process, I was told 5 days ago that I was required to do something previously, and only given 1 single day to perform this task, and the request for this was made in the evening, after business hours. There was no prior indication of a deadline for when this task needed to be completed, nor any mention that it was an impediment to closing on time. Furthermore, I was not informed until today via phone call that because of a change in purchase price, the lender is required to request an approval from the third party appraiser on the change in price, wherein the change was to drop the purchase price down to the appraised value. This comes as a shock because I sent over the signed addendum to change the purchase price 10 days ago, but the request on the lender 's side to get this alleged required approval for final underwriting was not submitted until this morning, XX/XX/XXXX. When I asked for a written response as to why the delay occurred, I was given a vague statement and blanket apology, and no real reason for why the process was delayed, nor why the request was not made previously. 

Late this afternoon, the lender reached out to the title company to request a change to the closing date to next Monday, XX/XX/XXXX. 

As a result, I am incurring more costs in rent, and the seller is incurring more costs in their HOA fee and property tax which should have stopped after today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i was victim of identity theft, somebody used my personal information to get medical care.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: MO

Complaint narrative:
I recently conducted a review of my credit report, and I noticed that your agency showed two ( 2 ) credit inquiries that I find to be problematic. 
The first inquiry in question was apparently made by you on XX/XX/XXXX and I have no recollection of doing any business with XXXX XXXX. 
I contacted XXXX XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
The second inquiry was made by XXXX XXXX on XXXXXX/XX/XXXX and should not be showing on my report either. 
Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter

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 2019-05-10 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: BMW Financial Services NA, LLC
State: MO

Complaint narrative:
I recently conducted a review of my credit report, and I noticed that your agency showed one ( 1 ) credit inquiry that I find to be problematic. 
The inquiry in question was apparently made by you on XX/XX/XXXX and I have no recollection of doing any business with BMW.

I contacted BMW, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiry at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/XXXX I ordered an item off of XXXX and paid using Paypal Credit. The item was supposed to be delivered within 7-10 business days but was never delivered to me. I checked the status of the delivery online and it said it had been " delivered '' but not to me or anyone in my household. I opened an investigation with the USPS and they said that it was mistakenly signed for by someone who was not me and had no verification of proof of identity even though it was an insured package that was supposed to require proof. It was also GPS-tracked to be delivered to a location that was not my delivery address. I opened a police investigation into the stolen package and received a copy of the report. I opened a dispute with Paypal under their Buyer Protection Claim because I had never received the package and was thus entitled to a refund. They kept closing the appeal and denying the claim and I would reopen it because they did not open the documentation they had requested as proof ( the two investigation reports ). This occurred several times over the course of seven months. I spoke to a customer service rep on the phone on XX/XX/XXXX and they assured me that I would get a refund and they would appeal the decision to close the appeal. I received a notification less than five minutes after this conversation on XX/XX/XXXX saying that the appeal had been closed again and the appeal was still denied. I spoke to a representative again on XX/XX/XXXX who assured me again that I would get a refund and escalated the appeal, and assured me she would contact me again in 24-48 hours to update me on the status. She nor Paypal never contacted me again. I called the company again on XX/XX/XXXX and escalated my issue to the " top customer service representative '' XXXX ID # : XXXX. He was incredibly rude and condescending to me, and said the appeal would be closed and the refusal of the refund would be upheld because the " package had been marked as delivered, '' even though as explained and proven with the evidence the package had been stolen. They refuse to comply with the terms of their own Buyer Protection Service and refuse to issue me the refund that I am entitled to because I have proof that I never received the item as it was stolen.

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 2019-05-10 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: MO

Complaint narrative:
I recently conducted a review of my credit report, and I noticed that your agency showed two ( 2 )  credit inquiries that I find to be problematic. 
The first inquiry in question was apparently made by you on XX/XX/XXXX and I have no recollection of doing any business with XXXX XXXX. 
I contacted XXXX XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
The second inquiry was made by XXXX XXXX on XX/XX/XXXX and should not be showing on my report either. 
Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: MO

Complaint narrative:
I recently conducted a review of my credit report, and I noticed that your agency showed two ( 2 ) credit inquiries that I find to be problematic. 
The first inquiry in question was apparently made by you onXX/XX/XXXXXX/XX/XXXX19 and I have no recollection of doing any business with XXXX XXXX. 
I contacted XXXX XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
The second inquiry was made by XXXX XXXX onXX/XX/XXXX19 and should not be showing on my report either. 
Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter

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 2019-05-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
A couple years ago I had a dispute with this same company and it was removed from my credit report. Here it is again. 

Chapter XXXX Bankruptcy Discharge XX/XX/XXXX NewRes-Shell Point bought the debt after the Bankrupt discharge have were trying to collect as late as XX/XX/XXXX Why is this back on my credit report? The property this 2nd lien was attached to was XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX, NV

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: MO

Complaint narrative:
I recently conducted a review of my credit report, and I noticed that your agency showed one ( 1 ) credit inquiry that I find to be problematic. 
The inquiry in question was apparently made by you on XXXX and I have no recollection of doing any business with XXXX. 
I contacted XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiry at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness.

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,

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 2019-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc.
State: AL

Complaint narrative:
XX/XX/2018 and XX/XX/2018 I received a letter from NCC Business Services INC. I requested validation of alleged debt. I did not receive the requested items but instead a bill was sent, with documentation of XXXX work done. On XX/XX/2018 was my last request validation to no response from the company. As of today 's date, I haven't received any correspondence since my last request for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I received a notice of cancellation from XXXX XXXX for my homeowners insurance indicating my policy was going to be cancelled XX/XX/2019 for non-payment of premium in the amount of {$1100.00}. I contacted HSBC Bank on XX/XX/2019 at XXXX XXXX, they told me they could not tell if the check was cashed and that I would have to wait until XX/XX/2019. They indicated I had to talk with XXXX XXXX. I phoned XXXX XXXX on XX/XX/2019 at XXXX XXXX. XXXX XXXX asked me to get the check number from HSBC, When I contacted HSBC bank the next day at XXXX, they gave me the check number. They told me they could do nothing more for me. I contacted XXXX XXXX at XXXX, they indicated they never received a check and that I had to contact HSBC to resolve the issue. On XX/XX/2019 I received a letter from XXXX XXXX that they cancelled my homeowners insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: MO

Complaint narrative:
I recently conducted a review of my credit report, and I noticed that your agency showed one ( 1 )  credit inquiry that I find to be problematic. 
The inquiry in question was apparently made by you on XXXX and I have no recollection of doing any business with XXXX. 
I contacted XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiry at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: MO

Complaint narrative:
I recently conducted a review of my credit report, and I noticed that your agency showed one ( 1 ) credit inquiry that I find to be problematic. 
The inquiry in question was apparently made by you on XX/XX/XXXX and I have no recollection of doing any business with XXXX. 
I contacted XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiry at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness.

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,

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