vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MT

Complaint narrative:
In XX/XX/2020 I experienced water damage due to a botched roof replacement. The damage incurred totaled roughly {$65000.00}. Above the {$20000.00} threshold, all insurance payments are co-signed between homeowner and mortgage lender per loan servicing policy. My lender is PennyMac. Since day one of this water damage situation, I have asked to see my online account ( via insuranceclaimcheck.com ) or related documentation about these insurance funds managed by PennyMac. They have denied access to the online portal and have not produced routine monthly statements of any kind related to these funds kept in escrow. This seems to be a violation of the Code of Federal Regulations : Title 12 - Banks and Banking Chapter X - BUREAU OF CONSUMER FINANCIAL PROTECTION Part 1026 - TRUTH IN LENDING ( REGULATION Z ) Subpart E - Special Rules for Certain Home Mortgage Transactions Section 1026.41 - Periodic statements for residential mortgage loans. 

I have no way to track deposits, disbursements, or balances related to my insurance payout and this is in violation of their loan servicing agreement with RD/RHS loans. I have asked a number of times ( more than 10 ) on phone calls and have 2 written letters requesting the same info. I am able to log in to an online portal set up for this function, however, a pop-up blocks my access and I'm told to call their loss draft department for info. When I inquire about lack of access I'm told " this is an account that requires special handling '' or " this is a monitored loan ''. There is still no basis as to WHY I am denied access or other documentation other than this.

Likewise, other reporting information is inaccurate on my monthly mortgage documents ( eg : current LTV percentage, PMI vs annual fee in proper reporting fields ) they have refused to update their record-keeping to keep details organized and accurate.

I keep tidy files and would like my mortgage company to do the same to ensure my figures match theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Io, Inc.
State: MD

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: TX

Complaint narrative:
I HAVE ACCOUNTS THAT DO NOT BELONG TO ME, UNAUTHORIZED INQUIRIES AND AN ACOUNT THAT SAYS CHARGE OFF THAT IS INACCURATE, SEE LETTER OF EXPLANATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.This account WELLS FARGO BANK is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23 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: Early Warning Services, LLC
State: CA

Complaint narrative:
There are many accounts with my name on them but with incorrect information such as addresses and phone numbers. The addresses and phone numbers following do not belong to me and never did belong to me ; XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ca XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have an old credit card from XX/XX/2017 which was paid in full yet is marked as a collection/charge off when it was not ever charged off or in collections. 
Creditor ; XXXX XXXX  XXXX XXXX Account marked as Collection/Chargeoff Balance ; {$0.00} Contact ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MO 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 2021-09-23 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:
Im writing to you because I noticed that my most recent credit report contains a late payment ( s ) reported for the above listed account. I want you to know that I understand, and have great respect for my financial obligations. Due to Covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of covids forbearance period. I have late payments on my report I want removed because I am a victim of covid 19 and legally you should not have put them there. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. In the near future, I am planning on applying for a mortgage and it has come to my attention that the missed payments on my credit reports could hurt my ability to qualify. In my heart, I know that the missed payment doesnt reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payments from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! Thank you for your consideration.

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 2021-09-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im writing to you because I noticed that my most recent credit report contains a late payment ( s ) reported for the above listed account. I want you to know that I understand, and have great respect for my financial obligations. Due to Covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of covids forbearance period. I have late payments on my report I want removed because I am a victim of covid 19 and legally you should not have put them there. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. In the near future, I am planning on applying for a mortgage and it has come to my attention that the missed payments on my credit reports could hurt my ability to qualify. In my heart, I know that the missed payment doesnt reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payments from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! Thank you for your consideration.

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 2021-09-23 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I made a reservation with the XXXX XXXX XXXX XXXX for the nights of XXXX. In the process of making the reservation I went to the site of reservations.com ( XXXX ) due to their misleading listing at XXXX and their the primary position of their listing. I realized it was not the hotel after I had put in the dates and stopped the inquiry. On XXXX I realized We also needed a XXXX  for XX/XX/XXXX and again mistakenly went to XXXX. I put in the night of XX/XX/XXXX and completed the transaction. The next thing was an Email from XXXX saying I had reserved for XXXX and that it was non cancellable. I did not and would not have made a XXXX  for those nights since the XXXX  I had was for {$300.00} less. I also would not have knowingly agreed to a non cancellable XXXX  given XXXX and our ages and in fact due to heath problems we had to cancel the trip. I asked Chase Visa to reverse the {$1300.00} charge in 2 submissions. and supplied them backup. In the second I advised them that as of XX/XX/XXXX no reservation had been made by XXXX at the hotel. This over 2 months after the supposed XXXX  was made and 6 days before our arrival. Chase Visa 's response was to deny and attach XXXX 's Reservation form. They never responded to the allegations I made and I believe they never read them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: MD

Complaint narrative:
Requesting dispute as this information is inaccurate. 
I have several student loans reporting on my credit report preventing me from obtaining credit for a home loan or for any other loan ( or credit card ). The balance on my student loans are affecting my credit score daily. Over the past several years I have made payments on my student loans but my credit score continues to go down. 
Some student loans are reported on my credit report twice ( which needs to be removed ). 
Student loans have had a direct impact on my credit score. 
I'm requesting a good will deletion from report ( as payments are still being made ). 
This is hindering my ability to qualify for a mortgage or auto loan. 
Also, late payments from several years ago still show on my credit report which still affect my ability to qualify for credit cards or loans. 
When I apply for credit I'm denied. and the reason I'm not approved is because : - Time since delinquency is too recent ( incorrect information ) -Proportion of loan balances to loan amounts is to high ( incorrect information ) -Serious delinquency and derogatory public record or collection filed ( incorrect information ) -Total number of credit inquiries ( incorrect information ) Requesting dispute as this information is inaccurate. 
Requesting a hardship until issue is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Requesting dispute as this information is inaccurate. 
I have several student loans reporting on my credit report preventing me from obtaining credit for a home loan or for any other loan ( or credit card ). The balance on my student loans are affecting my credit score daily. Over the past several years I have made payments on my student loans but my credit score continues to go down.

Some student loans are reported on my credit report twice ( which needs to be removed ).

Student loans have had a direct impact on my credit score.

I'm requesting a good will deletion from report ( as payments are still being made ). 
This is hindering my ability to qualify for a mortgage or auto loan. 
Also, late payments from several years ago still show on my credit report which still affect my ability to qualify for credit cards or loans. 
When I apply for credit I'm denied. and the reason I'm not approved is because : - Time since delinquency is too recent ( incorrect information ) -Proportion of loan balances to loan amounts is to high ( incorrect information ) -Serious delinquency and derogatory public record or collection filed ( incorrect information ) -Total number of credit inquiries ( incorrect information ) Requesting dispute as this information is inaccurate. 
Requesting a hardship until issue is corrected.

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 2021-09-23 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: AL

Complaint narrative:
IT HAS COME TO MY ATTENTION THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT FOR A FEW YEARS NOW. ( COLLECTION AGENCY ) PLACED A COLLECTION ON MY CREDIT REPORT THAT WAS FROM A FRAUDULENT ACTIVITY. I HAVE CONTACTED ( COLLECTION AGENCY ) AND ( ORIGINAL CREDITOR ) AND EXPLAINED TO THEM WHICH I WAS TRANSFERRED SEVERAL TIMES, I FELT DISRESPECTED BY THE CUSTOMER SERVICE REPRESENTATIVE AFTER EXPLAINING TO THEM THE SITUATION THAT THEY HAVE THE WORNG PERSON. THIS COMPANY IS VERY UNPROFESSIONAL! I ALSO SENT THEM A COPY OF THE POLICE REPORT. I WILL ALSO FILE WITH CFPB AND FTC! THIS IS VERY INCONVENIENT ON MY PART!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
Wakefield currently is attempting to collect on a debt from " XXXX XXXX XXXX '' that is not owed by me. I have not done any business with Wakefield or " XXXX XXXX XXXX '' I've attempted to resolve the matter with Wakefield and " XXXX XXXX XXXX '' several times and have gotten no resolve. I've asked for written evidence that this debt is owed by me with my signature and some sort of identification proving that I've engaged in business with this company. They have failed to provide any evidence, but want to pay on a debt they aren't even positive that is mine. I am prepared to take legal action against this company for failing to protect my rights un the FCRA and their predatory collection attempts. I demand they they remove this collection from my credit report immediately and stop all collection further efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. I tried contacting the 3 Credit Bureaus requesting a complete payment history of this account for me to review on which the collection was posted. There was definitely an error on their part. The 3 Credit Bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE IT FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My vehicle was recked and declared a total loss. The insurance company and gap insurance paid off the majority of the loan. Due to the pandemic the claim and communication between all parties involved suffered delays and lack of proper communication. The loan holder Capital one. Did not provide an accurate payment statement reflective of the final amounts due. As a result I believe they wrongfully reported negative marks on my credit report. The final amount due as provided by capital one statement was XXXX. XX/XX/XXXX. At the point i made 6 monthly payments of XXXX dollars. and never received a statement reflective of those payments. thus leaving me with no proper statement to base my final fees due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America dented my account - {$880000.00} in XX/XX/2021 after I asked them to close my account..which they did not do for almost a full month and said they could not verify m identity knowing I have ID theft and in so doing, kept me from receiving my Unemployment Benefits. My Child Support is sent through the mail and takes an extra week to receive. They purposely charged overdraft fees and told me they " Gave up a long time ago trying to figure out how people steal from each other '', when I asked him about unauthorized checks that were written on my account.

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 2021-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I received a letter from Shellpoint Loan Servicing dated XX/XX/XXXX indicating my lender placed HAZARD insurance will be expiring. I called and spoke to XXXX XXXX from the Shellpoint Loan Servicing 's Insurance department, her email ends with pfic.com so I assume she works for a vendor named proctor loan protector. She indicated they did not have proof of hazard insurance FOR XXXX XXXX XXXX. I emailed her the proof of hazard insurance purchased by the condo association for the past 2 years. The letter I received does not indicate what type of HAZARD insurance that is going to expire. In XXXX of XXXX, lender placed insurance was purchased by the servicer for something called " XXXX '' insurance, covering the inside of the structure, at the rate of {$24.00} annually ( see attachment ). There are 2 types of HAZARD insurance, General hazard covering the structure and XXXX covering the interior. I explained that the letter received does not explain what type of insurance is going to expire yet indicates a cost of {$2200.00}, approximately 92 times the rate one year ago. She insisted the new coverage rate is for XXXX insurance but ignored that she stated they didn't have record of the general hazard insurance until I called. She said the only insurance being placed is for XXXX insurance so the quote is for that type of insurance. I specifically requested they provide a document to explain exactly what type of insurance is being placed/purchased, she refused and stated the letters sent are written by the CFPB. I seriously doubt this. I requested the policy that would be purchased on my behalf as well. Again, she said it would be for XXXX insurance, but will not be providing proof of that. I tried to explain that since there was no evidence of the general hazard insurance in their records ( since I had to provide that while on the phone ) that it could be possible this very inflated rate for XXXX insurance could be a mistake. She refused to accept that and shuffled me off of the call. My complaint is in 2 parts. First, the letter indicating a need for proof of insurance should be clear what type of insurance is being required. Second, the premium for the amount of coverage provided should not go up from {$25.00} to {$2200.00}. I don't have anything in the interior of my home that increased in value here, yet they provide no explanation for the increase.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: CBC Companies, Inc.
State: CA

Complaint narrative:
There are many accounts with my name on them but with incorrect information such as addresses and phone numbers. The addresses and phone numbers following do not belong to me and never did belong to me ; XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have an old credit card from XX/XX/2017 which was paid in full yet is marked as a collection/charge off when it was not ever charged off or in collections. 
Creditor ; XXXX XXXX  XXXX XXXX Account marked as Collection/Chargeoff Balance ; {$0.00} Contact ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX

Company response to consumer: Closed with explanation