vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
We refinanced a loan that closed and paid off PHH Mortgage on XX/XX/2021. The payoff statement was issued XX/XX/2021 which showed that we had not made XXXX 's payment yet as we were anticipating a closing soon. When we realized that we weren't going to close until the end of the month, we went online and made the house payment on XX/XX/2021 ( attached ) The payoff statement indicated that payment had not been made and was included in the total ( attached ) that was sent in as the total payoff. After initially calling about hem additional payment being refunded, we were told that they would go through the account and issue a refund within 20 days. On XX/XX/2021 we received a check for the escrow balance only, it did not include the additional payment as we'd been led to expect. 

After another call this morning trying to get it resolved, it was obvious that the call center person I was speaking with had zero clue what to do and made multiple attempts to transfer me to some other department. Finally, he gave up and asked for my information for an escalation specialist to call me back. I have zero confidence in this company to resolve the issue at this point and would like to get some assistance from your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: NV

Complaint narrative:
I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: NV

Complaint narrative:
I have sent letters to XXXX, Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2021-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST MORTGAGE COMPANY
State: TX

Complaint narrative:
We refinanced our home with First Mortgage Company on XXXX XXXX for {$340000.00} after using them as our prior mortgage company when we first purchased our home. All payments have been made timely and with no interruptions until XX/XX/2021. At that time payments were switched to XXXX. 
We were notified in XX/XX/2021 that by XXXX XXXX of XXXX that XXXX XXXX holds the original promissory note and rights to service the mortgage. First Mortgage disputed this, but XXXX XXXX has provided documents showing otherwise. We then sought advice from an attorney that spoke with both XXXX XXXX of First Mortgage and XXXX XXXX. It is still not clear cut as to who our payments need to be made to, but First Mortgage provided no other legal documentation to prove otherwise, and it appears that XXXX does in own the note. We then began making payments to XXXX ( the XXXX XXXX chose to change to ). They agreed to keep our account current from time of payment and to fund our escrow to match what was in escrow with First Mortgage. We requested our escrow funds from First Mortgage and at first they agreed, until this past week they sent a letter stating that they would be using the escrow funds to pay for the payments missed to First Mortgage, although payments were made to XXXX  ( XXXX ). We are desperately trying to resolve who to make our payments to in order to not have foreclosure or credit issues. Please advise.

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 2021-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
Received a letter XXXX XXXX from Citi Bank stating there might be a fraudulent account setup in my name. Called number provided in letter and they wanted my social security number and I didnt feel comfortable giving that information because I never setup or applied for this card. On XXXX XXXX received actual credit card in mail. Tried calling to cancel and Im not willing to provide my social security number over the phone on an account I never applied for.

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 2021-12-28 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: TX

Complaint narrative:
IVE BEEN TRYING FOR MONTHS TO REMOVE ITEMS THAT ARE FRAUD ON MY ACCOUNT, I EVEN FILED A FTC REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX : {$7200.00} This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY.

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 2021-12-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Friedman Law Associates, PC
State: FL

Complaint narrative:
Paid for mortgage modification help upfront with guarantee they would be able to negotiate a modification, and this turns out to be false and listed as a scam on Florida housing website, a company is not supposed to take money upfront to help you modify your loan mortgage, they have companies that can do this for free on your behalf, and then when I requested my money back, they stop responding to 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 2021-12-28 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: MI

Complaint narrative:
XXXX XXXX XXXX {$9300.00} ACCOUNT OPENED FRAUDULENTLY AT A RESIDENCE I NEVER LIVED AT BEFORE HAVE CONTACTED THE ORIGINAL CREDITOR ON SEVERAL OCCASIONS FOR INFORMATION ON SUBMITTING A FRAUD AFFIDAVIT VIA MAIL AND HAVE YET TO RECEIVE ANY DOCUMENTATION IN REGARDS TO RESOLVING THE CURRENT ISSUE OF UNAUTHORIZED CHARGES

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 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2021, I was notified by XXXX my Credit Score dropped significantly down to XXXX. I logged on to my account and found the credit card that I am still actively using and making payments for was no longer part of my credit report. It shows as not available. In XXXX, the four years of payment history was shown and my credit score was at the correct level. Now in XXXX, the four years of payment history no longer shows on my credit report with Experian. I spoke to XXXX  on phone and was told the dispute comment is causing the issue. I requested the dispute comment to be removed and was told it would be resolved. I also contacted Experian on XX/XX/2021 and was told they would investigate it. The personal Experian credit report number was XXXX but I had to contact them via phone to access the results. I waited until XX/XX/2021 and contacted XXXX to find they did nothing to resolve the issue and my payment history and active credit card account of XXXX was still not restored to my credit report. It's weird because I'm still making active payments and using my credit card. The usage, balance, credit limit, account status, highest balance, payment status and late payments are all missing. The account is not in dispute so I'm not sure why XXXX reported that to the Experian bureau. XXXX told me that the comment was what caused the payment history and information to be removed from my credit report. However, I spoke to Experian on XX/XX/2021 and was told that dispute comment has nothing to do with credit history and XXXX needs to report the payment history again to restore it to my account. I've been fighting back and forth for the past two weeks to get this issue resolved. This is the third consecutive year that XXXX has somehow managed to XXXX up my credit history and ruin my credit score because they failed to report my payment history and credit card status accurately. I'm missing four years worth of payment history due to their negligence. I was told by Experian today on XX/XX/2021 that under report XXXX that they should remove the dispute comment and will look into the payment history. However, only XXXX can report the payment history and credit card status to be restored to Experian. Experian can only receive and use the information for credit score purposes. I'm frustrated because I'm not sure who is telling the truth and would like this resolved promptly. 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 2021-12-28 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: VA

Complaint narrative:
TransUnion XXXX XXXX, XXXX XXXX XXXX  XXXX, PA XXXX I contacted TransUnion and XXXX about a bankruptcy that has been showing on my credit report. They've stated several times that they have been verifying this information with XXXX. Appalled by that information, I went directly to XXXX XXXX and in response to my inquiry they claim to have never verified this item with these companies. This would mean this bankruptcy is by law considered UNVERIFIED. 
I've done several disputes and I've sent several letters to both TransUnion and XXXX to have this bankruptcy removed and still nothing is being done.

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 2021-12-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX : {$7200.00} This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX XXXX XXXX : {$7200.00} This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY.

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 2021-12-28 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: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
mr cooper is reporting the days incorrectly it should be 30 60 90 120 but they have it wrong 60 60 60 60 60 90 can they explain this heres their payment records which look up to date to me no late i have included payments from their website i see no descrpcies for dates listed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Camelot Financial Services, Inc.
State: TX

Complaint narrative:
I got emails from XXXX XXXX saying I took out a loan from Ace loan I dont know who this company is and I have never received funds they say I did I think this is fraud please check out and let me know they keep harassing me with emails

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
ACCOUNT OPENED XX/XX/XXXX CAR WAS TOTALED ON XX/XX/XXXX CLAIM WAS MADE WITH XXXX XXXX ON XX/XX/XXXX THE THE REMAING BALANCE OF THE VEHICLE TO CHRYSLER CAPITAL WAS PAID ON XX/XX/XXXX SETTLEMENT VALUE IN THE AMOUNT OF {$28000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
I purchased a new car in XXXX. I have since moved, and have tried to register the car in my new state. This requires a copy of my title and a one and the same letter. I have called Hyundai Motor Finance repeatedly to obtain these documents. 

Each time, they say they will send it, then set the status of the document as complete without sending it. When asked why they wont send it, they say the request failed because they can not send the documents via email, and they agreed to mail it. They did not send it, and I have been unable to register or drive my car.

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 2021-12-28 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: TX

Complaint narrative:
IVE BEEN TRYING FOR MONTHS TO REMOVE ITEMS THAT ARE FRAUD ON MY ACCOUNT, I EVEN FILED A FTC REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: TX

Complaint narrative:
IVE BEEN TRYING FOR MONTHS TO REMOVE ITEMS THAT ARE FRAUD ON MY ACCOUNT, I EVEN FILED A XXXX REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXXBalance  {$0.00} XXXX XXXXBalance  {$0.00} XXXXBalance  {$0.00}

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 2021-12-28 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: TX

Complaint narrative:
SOMEONE BOUGHT A CAR FRAUDULENTY IN MY NAME.

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