vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I have filed a dozen Complaints and yet XXXX XXXX, XXXX XXXX, and PHH mortgage has failed to provide truthful information to the credit agencies. After 5months of my mortgage loan account having a XXXX Balance, XXXX XXXX, XXXX XXXX, and PHH reported a Negative Remark which impacted my credit Report XXXX on XXXX XXXX causing me harm. XXXX XXXX, XXXX XXXX, nor PHH had the right to Report any information pertaining to me to XXXX In XXXX XXXX, XXXX XXXX and PHH previous replies I disputed XXXX in XXXX of 2021, in which they replied that same month. Can XXXX XXXX, XXXX XXXX, and PHH provide the Law which states that as a Lender they had the right to Report a Negative Remark to XXXX  during the Month of XXXX, when my intial complaint/dispute was in XXXX? This is two months later, which clearly means XXXX XXXX, XXXX XXXX, and PHH has violated my rights. How and why would XXXX XXXX, XXXX XXXX or PHH sworn that what they Report was true, when I clearly don't owe this company any MONEY. Can XXXX XXXX, XXXX XXXX, and PHH explain why there Continued, Abusive, Malicious Practices, Unethical, Unjust and Unlawful Acts CONTINUE to Retaliate against me after my Loan was Paid in Full, Closed, and With a XXXX Balance. These above parties have NO RIGHT to Report or Update any information pertaining to me if I NEVER disputed XXXX in XXXX or XXXX as they orginally stated.

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 2021-05-27 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: NY

Complaint narrative:
There are multiple accounts on my credit report that do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: PA

Complaint narrative:
These arent not mine. They are fraudulent. Please remove as soon as possible. 
-- -- -EQUIFAX XXXX -- XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  XXXX XXXX : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase auto finance is using unfair debt collection practices. 

Six years ago, XXXX XXXX XXXX XXXX dealer sold me my vehicle that was XXXX old and on sale for {$5000.00} XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX not XX/XX/XXXX. I traded my car a XXXX XXXX XXXX so I was only going to finance {$3000.00} i later discovered the Bank is asking for {$10000.00} I called a manager who apologized and promised to fix it. XXXX, mgr, shredded the contract in front of me and ask the finance manager XXXX to redo the paperwork. He never gave it to me and saleman XXXX told me to go home with the car. He said they will figure it out dont worry. I got a lean satisfied letter from the dealer but not the Bank, who is now time barred. They keep trying to repossess my car, and damage my reputation by posting lies on my credit report. I even offered to return the car, and took it back to them, but they refused it at the dealer. California clerk stated that they sold my account to a debt buyer but failed to report this on my credit file. I dont know who to contact. So i hired an attorney to settle my account and he said the Bank wouldnt cooperate. They are refusing to remove the lien, and that I should sue them for unfair debt collection practices

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase is not allowing me to access the balance of {$1500.00}. They claim they tried to release the funds. They claim the system is not letting them release them. They are holding the balance despite multiple LONG calls and promising to release it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
OnXX/XX/2020 chase bank froze my two account over a wire transfer to my account I was told it a cash transfer no way is it fraudulent then chase was mailing me a check refund of my money XXXX XXXX other account XXXX I have statements showing my money that chase took

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have a conventional 30 year loan/mortgage with Bank of America. I took advantage of the Federally mandated Covid relief regulations and went into forbearance for my XX/XX/XXXX through XX/XX/XXXX payments ( 11 consecutively skipped payments XXXX. My XX/XX/XXXX mortgage statement shows a balance of {$140000.00}, and did not account for my XX/XX/XXXX payment ( so the balance would be a little lower ). After regaining a more stable financial status, I resumed making mortgage payments for XX/XX/XXXX to present, and Bank of America sent me new terms for a Loan Modification. The terms are egregious and mainly serve Bank of America 's interest while simultaneously weakening my rights and ownership of my home. As a result, I sought to refinance my mortgage/loan with a different lender and with much more reasonable terms XXXX to include a much lower interest rate XXXX. The new lender, XXXX XXXX needed a loan payoff amount, so I first called Bank of America and spoke to a mortgage representative who twice quoted me a loan payoff amount of ~ {$140000.00} XXXX I have a voice/video recording ). I clearly asked the representative to include any and all amounts related to forbearance and skipped payments. However, when XXXX XXXX requested a payoff amount, Bank of American provide them with an amount of {$140000.00}. How is this not outright fraud/illegal? How does my mortgage increase by over {$7000.00} by going into forbearance for 11 months and the making the last 3 months payments? I NEVER signed any loan modification agreement as I was waiting to see the terms, and they are ridiculous. This seems to be another instance of a big and powerful financial organization further exploiting the financial hardships of a tax-paying, veteran homeowner for their own financial gain, regardless of the costs and negative effects. I have documentation/communications and recordings to backup/support all of this. Bank of America said they were recording the call ( s ) and I also said I was recording the call ( s ). The files are too large to upload XXXX more than you XXXX limit ), but can be provided upon request. I've also provided XXXX XXXX with statements from Bank of America.

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 2021-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have contacted BOTH credit bureaus XXXX and Transunion about a late payment from XXXX listed on my credit report for an account that is NOT MINE, i was just an authorized user. I first contacted both XXXX and Transunion via U.S. mail on XX/XX/XXXX .... I never heard back from either bureau! After contacting them again via mail on XX/XX/XXXX, i have yet to hear from them. It is absolutely mind blowing that two of our biggest credit reporting agencies nationwide, just IGNORE consumers and hurt they're chances at obtaining good credit by reporting erroneous and inaccurate information. Totally unacceptable and irresponsible!

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 2021-05-27 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:
Someone has stolen my identity & Experian will not delete this information. These accounts do not belong to me & I did not get anything from these people. Please delete this information from my credit report. I have attached a police report, identity theft report & a request to block & delete this information.

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 2021-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion is Continuing to report an invalid bankruptcy on my credit report. They are doing so even after the fact of me submitting evidence that the bankruptcy has been reporting in total error. I submitted a dispute yesterday, and they verified it less than 24 hours later is accurate. It is not, and must be removed immediately, per the FCRA. If TransUnion do not comply with the law, I will be forced to take legal action. I will include evidence from XXXX showing this inaccurate information has been removed from their database. But, TransUnion persists in the reporting of inaccurate information that is adversely affecting me.

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 2021-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: CO

Complaint narrative:
XXXX nor RCVL PER MNG have failed to present any supporting document regarding debt amount. I have several emails from XXXX confirming {$0.00} balance as well as XXXX tracking number with returned equipment. Without any reason they trying to collect a debt!

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 2021-05-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collins Asset Group, LLC
State: TX

Complaint narrative:
Collins Asset Group , LLC reported information to my credit file in XX/XX/XXXX with an account origination date of apparently XXXX. I have never entered into a contract agreement with Collins Asset Group , LLC. I contacted this company via phone for additional information as they claim I owed them {$4900.00} and request this be removed from my file as it's being reported without validation. They said they would send me proof. Nothing has been received. I have also emailed this company twice at the email on their website to get validation of this alleged debt on XX/XX/XXXX, and again on XX/XX/XXXX. No response. I've yet to receive documentation proving this account is mine. It is now XX/XX/XXXX. 

Per the Fair Credit Reporting Act, after a request for debt validation and no response from the collection organization within 30 days, any reporting on my credit file constitutes an illegal continuation of collection activity. Collins Asset Group , LLC is incapable of verifying the information of this alleged debt, so I can not verify this alleged account. I have given Collins Asset Group , LLC ample time to resolve this alleged debt. 

This account needs to be removed from my credit file. In addition to reporting this here to the CFPB, I will be reporting them to the Texas Attorney General 's office and seeking legal action if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have filed a dozen Complaints and yet XXXX XXXX, XXXX XXXX, and XXXX mortgage has failed to provide truthful information to the credit agencies. After 5months of my mortgage loan account having a XXXX Balance, XXXX XXXX, XXXX XXXX, and XXXX reported a Negative Remark which impacted my credit Report XXXX on XXXX XXXX causing me harm. XXXX XXXX, XXXX XXXX, nor XXXX had the right to Report any information pertaining to me to Equifax. In XXXX XXXX, XXXX XXXX and XXXX previous replies I disputed Equifax in XX/XX/2021, in which they replied that same month. Can XXXX XXXX, XXXX XXXX, and XXXX provide the Law which states that as a Lender they had the right to Report a Negative Remark to Equifax during the Month of XXXX, when my intial complaint/dispute was in XXXX? This is two months later, which clearly means XXXX XXXX, XXXX XXXX, and XXXX has violated my rights. How and why would XXXX XXXX, XXXX XXXX or XXXX sworn that what they Report was true, when I clearly don't owe this company any MONEY. Can XXXX XXXX, XXXX XXXX, and XXXX explain why there Continued, Abusive, Malicious Practices, Unethical, Unjust and Unlawful Acts CONTINUE to Retaliate against me after my Loan was Paid in Full, Closed, and With a XXXX Balance. These above parties have NO RIGHT to Report or Update any information pertaining to me if I NEVER disputed Equifax in XXXX or XXXX as they orginally stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
i checked my reports and noticed some inquiries from companies that i did not give consent to acces my credit reports. I am very concerned about all activity going on with my credit reports these days. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX on XX/XX/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 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
i checked my reports and noticed some inquiries from companies that i did not give consent to acces my credit reports. I am very concerned about all activity going on with my credit reports these days. XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I overpaid on my mortgage payoff in XX/XX/2021 by {$2800.00} and Mr. Cooper is not giving me back my money. It is now the end of XX/XX/2021. I have called them twice and each time they said they are sending me a check. No confirmation number or anything to track that they are doing something so I have no way of knowing whether they are telling the truth. What kind of recourse do I have to force them to give me back my money? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem adding money
Company: Comerica
State: CA

Complaint narrative:
On XX/XX/XXXX I received my social security check thru direct express and when I checked the balance its lower than I expected. I checked the transactions and found out that there is a pending transaction of XXXX that I did not recognized, I called direct express and disputed the charge and told them not to pay, they said they will cancel the card so it cant be use and replaced with a new one. I went thru my account with direct Exoress customer service and found out that a merchant had been charging my acct ever month for the part 12 months on the day that I received my check. The customer service help me file the dispute and said I will sign a form that she is going to send and mail it back within 10 days. I did not get the form on the XXXX day. Anyway I called them before that and they it was already sent and just XXXX it back once you get it which I did. I called direct express 2 days later and they said that my dispute is denied .I argued with them because it looks like that they did not do an investigation but analyze it based on their form. 
I research and found out about the merchant and called them, I told them that I did not authorized those charges and they said they will refund the money and the customer service was doing that while talking to me and he said that it is not going through. I said because the old card was cancelled but I have a replacement card. They can only refund on the card they took money from and asked me to call direct express to temporarily reactivate the card. I called direct express and told them that even if you denied my dispute the merchant is willing to payback but on the card that was already cancelled, direct Exoress said dont worry the refund will go to the new card just tell the merchant that it will go through. So I called the merchant and told them what direct Exoress told me. The merchant and myself tried.to call direct express but the wait time is over 30 minutes. I called direct Exoress and asked them if we can do a conference call but they said they do call merchants instead they asked me to call merchant and asked for a letter that they will refund money and fax it to direct express. He gave me a fax that is not working. I called direct express so many times and is transferred to other departments and they said they will not reactivate temporarily the old card! I called merchant too so many times and asked them to refund in the new card if send me a check but they said they can only refund in the old card. Please help me get my refund. 

Thanks XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Someone has stolen my identity & XXXX will not delete this information. These accounts do not belong to me & I did not get anything from these people. Please delete this information from my credit report. I have attached a police report, identity theft report & a request to block & delete this information.

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 2021-05-27 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: PA

Complaint narrative:
Inquiries below aint mine they are fraudulent.Please remove as soon as possible. They should not be on report. 
-- -- -EQUIFAX -- -- XXXX XXXX Inquiry : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: CA

Complaint narrative:
I have contacted BOTH credit bureaus Equifax and XXXX about a late payment from XXXX listed on my credit report for an account that is NOT MINE, i was just an authorized user. I first contacted both Equifax and XXXX via U.S. mail on XX/XX/XXXX .... I never heard back from either bureau! After contacting them again via mail on XX/XX/XXXX, i have yet to hear from them. It is absolutely mind blowing that two of our biggest credit reporting agencies nationwide, just IGNORE consumers and hurt they're chances at obtaining good credit by reporting erroneous and inaccurate information. Totally unacceptable and irresponsible!

Company response to consumer: Closed with explanation