vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-16 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: CA

Complaint narrative:
I applied for a XXXX XXXX credit card on XX/XX/2020 and I did not get approved so I called them to ask why and they told me that I did not get approved because there was an account reflecting badly on my credit report. I didn't know what account they were talking about because I don't have any negative accounts on my report ; well to my surprise, I found that there is a charged off XXXX/XXXX  account appearing on my credit report. This account does not belong to me. I did not open it nor am I affiliated with that company in any way. I did not benefit anything from that account that was opened in my name without my permission and I never made any payments towards that account. I filed a complaint with the consumer financial protection bureau, filed a XXXX XXXX police report and notified the company that they are reporting incorrect 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 2020-03-16 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: CA

Complaint narrative:
I applied for a XXXX XXXX credit card on XX/XX/2020 and I did not get approved so I called them to ask why and they told me that I did not get approved because there was an account reflecting badly on my credit report. I didn't know what account they were talking about because I don't have any negative accounts on my report ; well to my surprise, I found that there is a charged off XXXX  account appearing on my credit report. This account does not belong to me. I did not open it nor am I affiliated with that company in any way. I did not benefit anything from that account that was opened in my name without my permission and I never made any payments towards that account. I filed a complaint with the consumer financial protection bureau, filed a XXXX XXXX police report and notified the company that they are reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NH

Complaint narrative:
This is a copy of an email I sent on XX/XX/XXXX to NewRez LLC / Shellpoint Mortgage Servicing that describes the complaint as well. 

XX/XX/XXXX NewRez LLC / Shellpoint Mortgage Servicing XXXX. XXXX  XXXX XXXX, SC XXXX RE : NOTICE OF ERROR Dear NewRez / Shellpoint Mortgage Servicing Staff : I am sending this NOTICE OF ERROR to notify NewRez LLC / Shellpoint Mortgage Servicing for the fourth time that the company has NOT paid my Property Taxes for my property located at XXXX XXXX XXXX, XXXX NH XXXX. This tax was due on XX/XX/XXXX, and I am including a copy of the tax bill with this email. My Escrow Account with NewRez currently has {$5600.00} [ this amount is now {$6200.00} ], and has had plenty of funds in my account to pay this bill when and since it was due. 

This is the fourth time [ since the sending of this email, there were three additional contacts with NewRez for a total of seven contacts ] that I have notified NewRez LLC / Shellpoint Mortgage Servicing over the past month [ this has now been two months ]. I called your customer service department on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX [ later XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ]. Each time I was assured by your representatives that they could see the error and that the payment would be made as soon as possible, but that it could take a couple of weeks and that the company actually had 30 business days to make the tax payment. During the last call on XX/XX/XXXX, I was told that the matter would be escalated, and that I would receive a call back on Friday, XX/XX/XXXX, with a status. I did not receive a call back. At this point, I am very disappointed, but I am also very concerned [ on XX/XX/XXXX, I was told by a representative that the taxes were set to be paid on or before XX/XX/XXXX, so I have waited, and the taxes have still not been paid as of XX/XX/XXXX ; on XX/XX/XXXX, I was told that the issue has been escalated and someone should contact me back within 48 hours ]. 

Please pay the property tax payment of {$3300.00} plus any additional fees and interest, which representatives have assured me will be paid by NewRez, and resolve this matter as soon as possible. Please let me know if you need anything else from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WI

Complaint narrative:
My reputable lender XXXX sold my mortgage to what I feel is a predatory lender Carrington Mortgage Services. I had not received any information from them on making my payments. They didnt send a payment book.I found out on my own that they are charging me for making my payment on time for using either their pay by phone ( {$10.00}. ) or website ( {$5.00}. ). I am just disgusted I might as well be paying a credit card company to make my payment on time. When I called the gentleman in customer service just said different institutions have different policies, well I never signed up for their institution or their policy. My loan was due to be paid off in about 7 years and now I am going to have to look at refinancing just to get away from this unfortunate lender that I never signed up to do business with. I am really upset and at least I am in a position where I can look at another lender, others are not so fortunate. I hope someone looks into this. People should not be punished for paying for their homes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Senex Services Corp.
State: OH

Complaint narrative:
To whom it may concern : I have recently received a copy of my credit report and noticed a number of accounts that need further validation. In response, I submitted a letter to request that Senex Collection Agency validate this debt. I requested this information to avoid any fraudulent information being reported on my credit report. The original request was mailed on XX/XX/XXXX ( see attached document and delivery confirmation receipt ). I requested several items to be validated as noted below ( see attached letter ) : Verification that there is a valid basis for claiming I am required to pay the current amount owed. 

Details about the age and amount of the debt including a copy of the original signed agreement with the original creditor. 

The date the original creditor claims this debt became delinquent. 

Any documents which show a signed consent agreement between me and the original creditor. 

A detailed copy of any payments made by my insurance company. 

Please also include details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license and license number, and the name, address and telephone number of the state agency issuing the license. 

In response to my request, Senex failed to provide the information requested. Their response was to provide an itemized bill which does not validate this is my bill, no signed agreements, insurance payments,,, etc. In fact instead of providing the documentation requested, they are stating that I need to provide proof to Senex that this medical bill is not mines ; which is the basis of my original complaint. Senex is denying me the right to dispute a bill by failing to provide adequate proof. In fact, I do not have a relationship with this provider, I have not received any statements from this provider and this bill does not belong to me. The itemized bill appears to be erroneous, they are reporting on my credit file that this debt occurred in XXXX for services rendered in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: GA

Complaint narrative:
My identity was compromised in late 2016, as a result more than 50 attempts have been made to obtain credit in my name. I have contacted all of the National Credit Reporting Agencies by certified mail disputing the inquiries, having provided them evidence of my identity, as well as a copy of the police report filed about my identity being compromised. In a very detailed letter I disputed each of the fraudulent attempts to obtain credit in my name, as the inquiries are having a negative impact on my credit and attempts to obtain legitimate credit. Each bureau has stated that the inquiry is a matter of fact, and though they are the fraudulent, they will continue to report them for 2 years, and they will not take steps to validate if their subscriber had a permissible purpose to access my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NV

Complaint narrative:
I am informing that Lakeview Loan Servicing LLC has a deficiency in their operational controls when it comes to customer service reading the LTV value. The FHA loan rules found in HUD 4155.1 do address how LTV is calculated. In Chapter Two Section A, we find the following instructions to the lender : The maximum mortgage amount that FHA will insure on a purchase is calculated by multiplying the appropriate loan-to-value ( LTV ) factor by the lesser of the propertys sales price, subject to certain required adjustments, or appraised value However, in the multiple instances that I called their customer service department, they quoted me an incorrect percentage based upon the property value ( XXXX ), which was not the same as the sales price ( XXXX ). As such, I have directed funds away from additional principal payments towards this account, and in doing so they will have effectively cost me {$490.00} by their lack of controls in telling customers the correct LTV %. Whether this is intentional to scam customers or simply negligent, I can not prove. But their lack of correct information has effectively cost me money and that is why I am submitting a complaint. Their lack of providing me with correct LTV information has forced me to take time away from my work and cost me direct dollars that could have, and should have been easily avoidable. I think if nothing else this is something every customer should be aware of and is worth looking into. Providing missinformation to customers that leads them to make poor financial decisions is inherently wrong. If nothing else, I hope that others can learn from my mistake. Please do not rely solely on what their customer service representatives tell you is the correct LTV. You need to do the calculation yourself and you need to make sure you are using the right numbers. They have cost time and money by hoping they would be " helpful. '' Unfortunately, has not worked out for me. I hope others can learn from this as a warning when dealing with their customer service department, who I recognize is a completely different department than the individuals actually reviewing MIP and whether or not to cancel it. There is an internal disconnect at that company. It's a major 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 2020-03-16 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: GA

Complaint narrative:
I called creditors and asked about serval Inquiries on my credit I didn't recognize or authorize customer service would not help or take care of negative inquiries reporting to my credit report!! I called and mailed in letter on XX/XX/XXXX and on XX/XX/XXXX and on XX/XX/XXXX and on XX/XX/XXXX asking to resolve this matter and still nothing has been done!! 1. Inquiry Date XX/XX/XXXX XXXX XXXX XXXX 2.Inquiry Date XX/XX/XXXX XXXX XXXX 3. Inquiry Date XX/XX/XXXX XXXX XXXX XXXX 4. Inquiry Date XX/XX/XXXX XXXX XXXX 5. Inquiry Date XX/XX/XXXX XXXX XXXX   6.Inquiry Date XX/XX/XXXX XXXX XXXX 7.Inquiry Date XX/XX/XXXX XXXX XXXX ( On my report twice ) 8.Inquiry Date XX/XX/XXXX XXXX  9. Inquiry Date XX/XX/XXXX XXXX XXXX XXXX ( On my report twice ) 10. Inquiry Date XX/XX/XXXX XXXX XXXX ( On my report twice ) 11. Inquiry Date XX/XX/XXXX XXXX XXXX 12. Inquiry Date XX/XX/XXXX XXXX XXXX 13. Inquiry Date XX/XX/XXXX XXXX 14. Inquiry Date XX/XX/XXXXXXXX XXXX 15. Inquiry Date XX/XX/XXXX XXXX/XXXX  16. Inquiry Date XX/XX/XXXX XXXX  ( on my credit twice ) 17. Inquiry Date XX/XX/XXXX XXXX XXXX ( on my credit twice ) None of these inquiries belong 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 2020-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I purchased this property in XX/XX/XXXX for {$65.00} it was an arm buy .The mortgage ballooned to 9.5 % interest rate I have tried 3 times with Chase to refinance this loan .I purchased a house in XX/XX/XXXX in which my interest rate in 3.5 % from another lender. Every time I've tired to get the rate lowered Chase always turn me down .In this time a 9.5 rate is unheard of my credit is not bad either .Chase has stuck me with a Predatory loan I had this loan for 13 years I paid XXXX and as of today I still owe XXXX.please help if I could just get it lowered a few points what make Chase think if I can pay 9.5 % I cant pay a lower interest rate this is not fair at all

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: Kriya Capital, LLC
State: TX

Complaint narrative:
credence resource mana
XXXX date XX/XX/2019 account XXXX  
XXXX XXXX XXXX
XX/XX/2019
XXXX/XXXX XXXX  
XX/XX/2019
XXXX/XXXX XXXX XXXX
XX/XX/2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Dear Sir : I am a customer at the HSBC Bank at XXXX XXXX XXXX, XXXX New York XXXX and am opposed ti the closing of this branch This branch has been in existence in this area for over twenty years. This is the only HSBC Bank in XXXX that has free parking space for it customers unlike the bank in XXXX XXXX, XXXX XXXX XXXX that has a municipal parking lot or the bank at XXXX XXXX XXXX or XXXX XXXX XXXX ( branch is closing ) that only has street parking and the time that is wasted in trying to obtain parking and the fear of a parking ticket if your transactions in the bank are longer then the time on your meter. The other banks that are totally inconvenient to the customers in this area are in XXXX, not in XXXX at XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on the east side of XXXX. 

The branches listed above are a radius of four to six miles away from the HSBC located at XXXX XXXX XXXX. By car it is at least a 15 minute ride and by public transportation at least an hour. This is an inconvenience to loyal customers who have banked there for years because of the close proxcimity of the bank and their drive-in window for those customers who may have a XXXX or need for quick banking without leaving their car. Another factor is this is the only branch in XXXX that has a drive-in window and people come from all over because of its convenience. It also provides a banking facility for city workers in the areas and people who shop here and do their banking while they shop. 

The closing of the HSBC Bank at XXXX XXXX XXXX XXXX will cause a hardship to many of us who have banked in this area and have been loyal customers who do not wish to be inconvenienced or find other banks for our money after so many years of banking in this branch. 

The staff in this bank have always shown professional courtesy and consideration to me in making sure that all of my banking transactions have been met and I would surely miss this attention. 

Yours truly,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: OH

Complaint narrative:
I filed for chapter XXXX bankruptcy XX/XX/XXXX. My meeting with the creditors hearing was XX/XX/XXXX @ XXXX in XXXX , Oh. My chapter XXXX discharge was in XXXX case # XXXX. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX , OR XXXX ( XXXX ) XXXX account opened XX/XX/XXXX is reporting as a Charged Off with the remarks : Purchased by Another Lender > Paid In Full/ Was A Charge Off. 

I have disputed this several time with all 3 credit bureaus and the individual company and they refuse to update it to state Discharged Chapter XXXX dispute my many requests. They stated that since it was sold prior to the bankruptcy discharge date that they do not half to. This is incorrect by law and I have followed up with my bankruptcy attorney ; XXXX XXXX XXXX of XXXX XXXX XXXX. Mr. XXXX advised me to send this request and if not resolved to follow up with him to proceed in legal action. 
Last dispute date XX/XX/XXXX with TransUnion file # XXXX Investigation report completed XX/XX/XXXX. As previously stated this is just one of the disputed examples ; I have filed several times with all 3 credit Bureaus since XX/XX/XXXX. All other disputes regarding my previous accounts were all corrected and updated to reflect the Chapter XXXX bankruptcy, but XXXX XXXX refuses despite my continued requests, copys or discharge documents & per current bankruptcy law.

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 2020-03-16 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: AR

Complaint narrative:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$780.00} XXXX  XXXX XXXX {$430.00} XXXX   XXXX  XXXX {$150000.00} XXXX XXXX {$110.00} XXXX XXXX XXXX {$1000.00} XXXX  XXXX XXXX {$1600.00} BANKRUPTCY-DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA

Complaint narrative:
I was behind on my mortgage due to a financial emergency. I got a lot of positive feed back and was told that I could rewrite for a lower rate and lower my monthly payment to better help with paying on time. 

The paperwork I received said the following : ( attached ) Spread it out over the remaining term. 
Reducing interest rate Deferring interest and advances extending the term and in some circumstances forgiving the balance owed I was told these and it is in their language on their forms. 

However once all was said and done I had no option but to take their option or loose my home. 

They raised my interest rate from 3.25 % to 4.75 %, charging me {$500.00} more per month, charged an astronomical amount of fees and penalties, and this was suppose to help? They got the federal bail out, The VA said they should have helped. Th VA isn't helping.

Company response to consumer: Closed with explanation