vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I just received my credit report and I noticed unauthorized items that I wasnt responsible for. The COVID 19 has been a disaster for 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 2021-09-07 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: TN

Complaint narrative:
I did not authorize several of the items on my credit report. A list of such inquiries has been included to a Federal Trade Commission FTC report. It's a difficult time, and these phony accounts are making it even more difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: CA

Complaint narrative:
I hereby submit my complaints on how Gregory Funding has handled my mortgage ever since itwas transferredto them on XX/XX/XXXX. 

Complaint # 1 I requested for Covid forbearance on XX/XX/XXXX XXXX I spoke with XXXX XXXX XXXX XXXX XXXX on XXXX XXXX and no Covid Code had been put on my account. I asked her to escalate my request because Gregory Funding had mailed out a " demand '' letter which was going to expire on XX/XX/XXXX. 
I called again on XX/XX/XXXX and spoke with XXXX. She confirmed that they had received my Covid questionnaire and all supporting documents and that they had been forwarded to loss mitigation for review and processing. I also told her that my tenant had received approval for the XXXX ( XXXX XXXX XXXX XXXX ) but we were yet to receive the funds. Therefore, it made sense to put a Covid Code ( Covid Forbearance ) on my mortgage account as we waited for the funds. 

I am disappointed at the slow pace that Gregory funding is taking to handle my mortgage account yet they do not hesitate to send out correspondence that supports them to initiate the foreclosure process on my mortgage account. 

Complaint # 2 Gregory funding also mailed me monthly mortgage statements that misrepresented my suspense account balance. By doing so, they violated the Federal Fair Debt Collection Practices Act & Federal Truth In Lending Act. 

Complaint # 3 I received a letter dated XX/XX/XXXX from Gregory Funding titled " Notice Of Insurance Escrow Cancellation ''. It stated " As of XX/XX/XXXX, we will no longer disburse funds from your escrow account ( also called an " impound ' or " trust '' account ) to pay insurance premiums for hazard insurance because : X We are terminating your insurance escrow. 

Before Gregory Funding assumed my mortgage, I had an affordable mortgage payment which included taxes & insurance. As of today, my mortgage property taxes & insurance are NOT included in my monthly mortgage payment. 

Efforts to resolve the above complaints by phone have been fruitless due to long wait times on the phone ( 2 hour hold times ). 

Expected Result From Gregory Funding : 1. Covid Forbearance : Review my account for Covid Forbearance ASAP and stop my mortgage account from progressing towards foreclosure.

2. Affordable Mortgage Payment : To give me an affordable mortgage payment that includes taxes and insurance.

3. Trial Modification : Put me on a TRIAL MODIFICATION Immediately. 

Thank you for considering my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: PA

Complaint narrative:
Accounts were reported as late the month that they were consolidated. They were in administrative review until that time, then in XX/XX/XXXX all of them were marked 90 days late and closed to open the newly consolidated account. I have had trouble purchasing a home because of these 11 90-day late marks. 

I have disputed it many times but they say they didn't report it late and can not see my credit report even though I submitted it to them in XX/XX/XXXX. 

1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4.XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX 8. XX/XX/XXXX 9. XX/XX/XXXX 10. XX/XX/XXXX 11. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Accounts were reported as late the month that they were consolidated. They were in administrative review until that time, then in XX/XX/XXXX all of them were marked 90 days late and closed to open the newly consolidated account. I have had trouble purchasing a home because of these XXXX XXXX late marks. 

I have disputed it many times but they say they didn't report it late and can not see my credit report even though I submitted it to them in XX/XX/XXXX. 

1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4.XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX 8. XX/XX/XXXX 9. XX/XX/XXXX 10. XX/XX/XXXX 11. 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 2021-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent, or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA
State: TX

Complaint narrative:
Please remove all accounts listed my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Uprova Credit, LLC
State: ND

Complaint narrative:
I received a loan from this lender on XX/XX/2021 for {$1000.00} at an annual interest rate of 392.58 %. After I make all payments I will have paid {$2900.00}. I needed the loan at the time to pay urgent housing-related bills to maintain my family 's health and safety, and in my desperation agreed to an usurious interest rate that should be illegal. I have made six biweekly payments of {$160.00} for a total of {$980.00}. On XX/XX/2021 I will make another payment of {$160.00}, bringing my total paid toward this loan to {$1100.00}. After I make the payment on XX/XX/2021, this lender should close my account as paid in full. {$1100.00} would be the total principal paid back plus {$140.00} in interest, which would be a 50 % annual interest rate.

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 2021-09-07 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
on XXXX XXXX my account ending on XXXX now XXXX got unauthorized transaction which took took out the sum of {$9500.00} from my two separate account. on the same day I got call from one the chase customer representative saying if I have the bank debt card with me and asking me if I authorized or take out any money from my account ending in XXXX. Than I had visited chase branch few time but I still didn't get any specific answer from the chase bank yet. It has been two moths pass and I didn't get any result yet. first the I had visited the branch they had closed my account which got the XXXX activity and I had i asked the branch manager i should file a police compliant and the branch manager had said I didn't need to file any police complaint. than one week later i visited the branch and same branch manager had called the main office and they were asking for police report and I provided them with the police report. but till today i have no certain answer from them. please help me retrieve the money. thank you for your time and help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-07 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: KY

Complaint narrative:
Identity theft has happened to me. I've provided identification as well as a report from the Federal Trade Commission on identity theft. Block and remove material from my consumer report under 15 USC 1681c-2. Failure to comply is a breach of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: TX

Complaint narrative:
I have accounts on my credit reports that is a result of identity theft. I have disputed these fraudulent accounts with the credit buearus several times and they still wont resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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/2021, there was a charge for {$350.00} on my Chase Freedom card that I did not make. It was at a XXXX ( grocery store ), one that I frequent. I assumed this was fraud, disputed the charge, and it was taken off of my credit card. I thought everything was fine. 

Several days later, I realized that the same exact charge was once again added to my card. I called Chase, who then informed me that because the purchase was made in person with a credit card and I hadn't to my knowledge lost a credit card, it must have been me and therefore I was responsible. 

I called XXXX, and learned that the purchase was for {$350.00} worth of gift cards. They refused to give me any documentation about this. 

I was then back and forth between XXXX and Chase -- both of them were saying that they weren't responsible for anything. 

I eventually got in touch with Chase fraud. I told them everything and they said they would investigate further. 

I made a police report on XXXX 

On XX/XX/XXXX, Chase fraud department called me to investigate further. I told them that I had made a police report. They informed me that even though the credit card number was the same as mine, which was in my hand and I obviously hadn't lost it, there was something weird about it : there was a tag on it that meant it was the first purchase made with this credit card. They tried to swipe again, but the second transaction was denied. The card was never used again after this. 
I told them that we had been having issues with the mail in my apartment building getting stolen, and I would not have been surprised if somebody had stolen the card from the mail without my realizing it. I sent them the police report as well as an email from my building manager telling us that our mail was being stolen. 

I just received a letter dated XX/XX/XXXX that the claim was once again denied, and I will be responsible for all charges. 

I did NOT make this purchase at XXXX 's. It is very frustrating that such a suspicious charge as a bunch of gift cards was said to be valid, and that after telling my story, providing plenty of evidence, and trying so hard to work with them and be honest that I am still being held accountable for so much money that I did not spend.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc.
State: NY

Complaint narrative:
The account is older than 5 years. I have not spoken to anyone regarding this account and noticed there was a hard inquiry completed without my knowledge or consent. I just happen to receive a notification form XXXX XXXX that there was a change in my my credit report. I noticed they have changed the date of the account as if it's new and looks like the same company that has the account in collections was the one company the run my credit without my authorization.

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 2021-09-07 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: IL

Complaint narrative:
I sent you a letter lately requesting that you re-investigate the wrong and incorrect entries in my file, but that does not resolve my issue. The items are still showing up on my credit record, and it's making it difficult for me to obtain fresh credit as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: TN

Complaint narrative:
I'm writing to request that these charges be removed from my credit report ; I didn't make these purchases, and someone has access to my personal information and is applying for multiple credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX, Equifax provided a XXXX XXXX XXXX score of XXXX to XXXX XXXX XXXX XXXX. ( Order XXXX ) The factors adversely affecting my score included : 08 Too many inquiries in the last 12 months and 11 Amount owed on revolving accounts is too high. 

Both these factors have been used by Equifax for the past three years and CFPB complaints filed. Multiple disputes have been filed with Equifax and each time Equifax has declined to change the information ( score or factors. ) However, there have been less than three hard credit reports in any 12 month period and since XX/XX/XXXX, I have had zero revolving credit accounts with any monthly balance. Of the two credit cards used, both are paid in full monthly, usually prior to receiving a statement. 

Equifax has consistently provided the same inaccurate adverse factors for more than two years and has repeatedly failed to make any corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: KS

Complaint narrative:
I previously submitted a complaint regarding removing PMI with Mr. Cooper. They acknowledged communcation delays in their response. I followed up again on XX/XX/XXXX to start the process for an appraisal to have the PMI removed. They indicated that research would be need to be done, since its an investment property. Someone from the company was supposed to contact me within five business days. I still have not received a response to this simple question. The customer service at this company is a complete joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: TN

Complaint narrative:
Someone has gotten access to my personal information, and it is wrecking my life and my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent, or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: TX

Complaint narrative:
I have accounts on my credit reports that is a result of identity theft. I have disputed these fraudulent accounts with the credit buearus several times and they still wont resolve this issue

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 2021-09-07 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: TX

Complaint narrative:
I have accounts on my credit reports that is a result of identity theft. I have disputed these fraudulent accounts with the credit buearus several times and they still wont resolve this issue

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 2021-09-07 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: IL

Complaint narrative:
I already informed you that the items included in the letter I submitted were erroneous and inaccurate. I feel betrayed because the items are still there on my report after your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: NE

Complaint narrative:
In response to the account XXXX XXXX XXXX # XXXX, that was deleted from my Equifax consumer files on XX/XX/2021, multiple FCRA violations have been committed on behalf of Equifax in regards to my consumer rights and their inability to notify me of this item 's reappearance on my credit report. Such violations have caused my FICO score to drop significantly and has hindered my ability to attain credit products. I have attached screenshots of my drop in FICO scores along with a credit card denial letter from XXXX XXXX XXXX in which the main reason for denial was a serious delinquency, as such delinquency, which was caused by Equifax 's lack of due diligence. 

This account reappeared on my Equifax report on XX/XX/2021. I have not received any communication that Equifax has received any new documentation urging them to reinsert this account from the original creditor. Simply saying that they have new information does not suffice, as I, the consumer, must have proof of this new documentation, which I have never received. I have only received a notice saying it was reinserted, with no true proof that an investigation was conducted nor new documentation found justifying its reinsertion. Neither did I ever authorize this reinsertion which constitutes to the following FCRA violations : 1. FCRA 611 ( 5 ) ( B ) ( i ) 2. FCRA 611 ( 5 ) ( B ) ( ii ) 3. FCRA 611 ( 5 ) ( C ). Procedures to prevent reappearance I, XXXX XXXX XXXX, have every reason to believe that Equifax has not maintained reasonable procedures to stop this account from reappearing on my credit report within these three federal statutes : As I was never made aware that correspondence was ever made between Equifax and XXXX XXXX XXXX after XX/XX/2021, when the item was initially deleted and between XX/XX/2021 when the item reappeared. Equifax sent me a notice in the mail dated XXXX XXXX. Such notice stated that the account was verified on my credit report. Yet no explanation as to how they were able to verify this information was included. I have reason to believe that Equifax has conducted no reasonable investigation into the reinsertion of this account. My consumer rights have been violated and I am prepared to file suit against Equifax in small claims court pursuant to FCRA 616 and FCRA 617 if this item is not promptly deleted from my Equifax credit profile. I urge that you make Equifax aware of the amount of compensatory damages totaling {$3000.00} that I am owed as a result of their negligence and FCRA noncompliant behavior n regards to FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] FCRA 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ]

Company response to consumer: Closed with explanation