vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
The home was scheduled for foreclosure. I appealed the foreclosure. The foreclosure was set aside.There were two loans on the property totaling {$470000.00}. I did a loan modification. It was my understanding that both loans were consolidated in the modification. I have been making the payments as agreed for 16 years and am current in the payments. 

The public records still show the property as " foreclosed and bank owned XXXX ''. 

I recently listed the home for sale and the title search revealed that there was a second trust on the property. PHH, added XXXX XXXX 's name on the title. I have no knowledge about this second trust and need to get XXXX XXXX removed from the title so I can sell the home..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/1922, & XXXX & XXXX there were 4 ach XXXX $ dollar transfers made online and I was not aware of the XXXX until XX/XX/XXXX which is today but I was aware of the 3 all made to same account and I didnt make those transfers and I have called so many times and I have sent the required paperwork to the emails they have provided me with to verify my identity and nothing is being done and every time I call its the same process over and over of being transferred and being told the same thing each and every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened a checking account with their promotion product on XX/XX/XXXX XXXX. 
I sent the W9 form to the address they told me on the phone. 
It was in XXXX XXXX office. By chance when I called on XX/XX/XXXX to check when I'll received the {$300.00} promotion award money. The customer service lady said I haven't submitted the W9. I explained I have the receipt of the certified mail to the XXXX XXXX office where I was directed. They send me the W9 to send it out again but no information of the address where I need to mail it even though I told to give it to me together with the form. 
I called back on XX/XX/XXXX to complain to the manager. Her name was XXXX. She was extremely rude to take 5 min. to give me the address and interception of line was awful, I was not able to hear correctly and middle of the her instruction she hang up. 
Even though I requested to send it to me in a mail. She didn't answer to it. 
I got only XXXX. XXXX XXXX in SD. City name was unclear. I asked is there that address in website I can look at it. She hang up after that without clear message what she is going to. 
The address looks like same as in my account statement so I'm going to mail it there. 

Anyway this is the second time I apply the complaints over the Citi bank. 
I strongly feel that this bank has very low customer relationships.

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 2021-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/2021 an Collections account from XXXX XXXX company for XXXX that does NOT belong to me has reported on Transunion and XXXX. I have reached out numerous of times to both companies stating that. I never had XXXX services. The address that they have linked to the XXXX services that they CLAIM Is mines the address is XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX. I have spoken to them and told them that I have never lived at that address. My CORRECT old address is XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX. Apartment XXXX is not my apartment number. I have bank statements to prove that I have never lived at that XXXX address. Credit bureaus are failing to verify information on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have reached out to this company in which they have assured me that they no longer have this account. I have paid the original creditor in full, therefor the following account is not owed. 

XXXX XXXX. Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
After several unsuccessful attempts during the last 18 months to resolve inaccurate information listed under my name and Social Security Number with Lexis Nexis, on XX/XX/2021, I wrote a formal letter challenging the accuracy of a Bankruptcy Chapter XXXX item in my report along with a letter from California Bankruptcy court indicating they are not the furnisher and original source of the item to Lexis Nexis. 
I certified mail my letter on XX/XX/2021, and as evident in the attached receipt confirmation, they accepted my letter on XX/XX/2021. 
As of XX/XX/2021, I have not received any update on their investigation into this item. I have contacted them 3 times in regard to them investigating this item in my report and their failure to complete their investigation within the permitted 30 days allowed by FCRA, and yet they request to call back the next day or simply hangup when I refer to the permitted time by FCRA to complete their investigation.

Lexis Nexis Risk Solution is clearly in violation of my Fair Credit Reporting rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Not only did i not receive written notice but after contacting the creditor they did not send details about the alleged debt including : - Explanation of what the alleged debt is for - A calculation of this balance, including the complete payment history on this account, so that I have proof that the amount is correct. 
- Documentation that shows I agreed to pay this debt, including signatures. 
- The agreement that grants them the authority to collect on this alleged debt. 
- A copy of their state license, including license number. 

They are in violation of my rights as outlined within Section 809 of the FAIR DEBT COLLECTION PRACTICES ACT. Please remove the alleged debt from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CHARLES SCHWAB CORPORATION, THE
State: FL

Complaint narrative:
On XX/XX/XXXX I tried to open a checking account with Charles Schwab, and their rep told me on the phone that someone already used my SSN to open multiple accounts with Charles Schwab.

I reported this as fraud, and Charles Schwab suspended the accounts by Monday XX/XX/XXXX. 
I then went to their office on XXXX XXXX and verified my identity, presenting my SSN card, passport and address confirmation. 
But when I called them again on XXXX XXXX, it turned out that the fradulent accounts were reopened ( unsuspended ). The rep on the phone also gave me the name of the person who opened the account with my SSN ( XXXX XXXX ), and other personal information like the number of accounts and balances - he gave me all the infromation without being able to verify me!! 
The company opens accounts without verifying if SSN matches the person name, and easily divulges personal information over the phone, you just need to give them the SSN. I'm now worried that Charles Schwab will as easily give away my name and other personal information ( which i submitted when i went to their office to verify myself ) when the fraudster that uses my SSN will call them to reactivate their suspended accoutns again.

Charles Schwab also reported the fraudster 's name to credit beraus, and now the name is liked to my SSN in credit beraus. Charles Schwab doesn't run even the basic check if new customer 's SSN matches the family name of the person. Because of this I have the wong name associated with my social in credit beraus!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/XXXX. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: Park Hill Holdings
State: TX

Complaint narrative:
I submitted an application to rent an apartment with XXXX XXXX XXXX in XXXX, MA in XX/XX/XXXX. I was told that there would not be any hard credit inquiry on my file. However I noticed a hard credit enquiry which affected my score on XX/XX/XXXX. When I contacted the leasing office they said the inquiry would go away. 

The inquiry is still present in my Credit report as of today ( XX/XX/XXXX ) and when I contacted the apartment leasing office to get the inquiry deleted, they provided me the details to contact CoreLogic, the agency that does credit checks for XXXX XXXX apartments. I contacted CoreLogic and they say that they have only processed the request from XXXX and they are not responsible for the hard inquiry. They could assist me in deleting the inquiry if XXXX request them by sending a letter of deletion. 

Again when I contacted XXXX, the officers in XXXX deny any responsibility for the credit inquiry and also said they would not be able to make any such requests to delete the inquiry. I have provided my SSN details in the application to XXXX and not CoreLogic, and my Credit report is being accessed in a way that I did not consent to. 

I request the concerned authorities to look into this grievance and please do the needful as presence of that hard inquiry on my report is affecting my credit history and score, and has a potential to affect my interest rates as I'm planning to apply for a home loan. 

I have attached the e-mail communication below as a file. 

XXXX Address : XXXX XXXX XXXX, XXXX, MA XXXX Phone # : ( XXXX ) XXXX E-mail : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: NC

Complaint narrative:
I accepted a Covid related Forbearance and when I tried to end the forbearance Flagstar has been extremely difficult to deal with and their behaviors are almost identical to the ones described in the action taken against Flagstar in XX/XX/2014by the CFPB where they were fined XXXX XXXX dollars. They have given me the run around on my loss mitigation application, given me mixed messages, not returned many calls, repeatedly informed me documents were missing which were not missing or needed new steps taken that were not previously requested such as circling numbers on a bank statement, signing documents in the margins, not believing me that electronically uploaded documents had " wet '' signatures, asking me to remove my wages from the application with no clear explanation for doing so, changing my status to unemployment without my request and incorrectly, closing the file and making me start over etc. eventually 6 months later they offered me a " trial plan '' and told me my only options were to pay the sum in full or take a refinance/loan modification that would add ten years to my loan. They refused to speak to my lawyer repeatedly saying they couldn't find the power of attorney document I had submitted or leaving him on hold and disconnecting the call. They informed him he needed to submit an appeal document then no one reviewed the appeal or returned any requests to speak to him or myself about the appeal. As I write this I am also on hold with Flagstar for over 40 minutes for the 4th time in 8 days. I have requested the missed payments be deferred to the end of my loan repeatedly for 12 full months and been ignored or redirected to the loss mitigation process. I am now being told the loss mitigation process will not allow for a deferral and it is a different process if I want a deferral but they can't tell me how to know if I qualify for a deferral without cancelling the loss mitigation application so if I don't " qualify '' I would have to start over AGAIN. I have had to submit a total of 4-5 loss mitigation applications in the past 12 months. We also had two different things begin to happen right after we obtained a lawyer. They began sending someone to our house to check if we were living there repeatedly. They also suddenly " accidentally '' had my husband and my social security numbers leaked and our identities placed at risk. We have spent over a hundred hours and 80 plus phone calls as well as uploading dozens of documents repeatedly.

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 2021-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

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 2021-07-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: IL

Complaint narrative:
I have been a victim of identity theft. I recently reviewed my credit report to find request for my credit that I did not do. I am not sure who the person is & how they got my information but this is all Fraudulent request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: IL

Complaint narrative:
I have been a victim of identity theft. I recently reviewed my credit report to find request for my credit that I did not do. I am not sure who the person is & how they got my information but this is all Fraudulent request.

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 2021-07-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BMW Financial Services NA, LLC
State: CT

Complaint narrative:
At end of my lease, rather than return the car to the BMW Dealership, I sold the car to a XXXX Dealership, from whom I was leasing a new car, for the total payoff amount due BMW Finance. I returned the plates to the DMV and cancelled insurance. 

The XXXX dealership contacted BMW Finance, which quoted them the payoff amount. The dealership wired the amount into the BMW Finance account -- which I have confirmed from both parties. 

Since then BMW Finance, however, has been harassing me.They state that because the XXXX dealership payoff was a couple of weeks past the end of lease date, BMW Finance has assigned approximately {$1200.00} in late fees. I have repeatedly informed BMW Finance that I no longer own the car and they should address underpayment, if any, with the dealership. As I see it, they entered into a contract with the dealership and accepted their payment. BMW Finance, however, says it shall hold me responsible for the dealership 's underpayment ( which is questionable ) and will continue to enter negative information on my credit report unless I pay it. They refuse to contact the new purchaser, the XXXX dealership. 

They have done so twice before. When there was a bank routing number mix-up for automatic payment, they first sent us an email acknowledging payment, then a follow up email indicating a bank issue to be resolved THE DAY AFTER THEY ISSUED A NEGATIVE REPORT TO THE CREDIT AGENCIES. I corrected the error immediately, but they refused to retract the negative report. This is spite of ten years of customer history. As a result, our otherwise good credit has been damaged materially. 

A quick perusal of XXXX and other reviews will reveal countless similar complaints about BMW Finance. They are seen as lacking good client service at best ; many reviews are much harsher..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
I fell behind on my loan back in XXXX of XXXX due to my divorce. My income was reduced by 50 % which caused me to default on the loan. I made several attempts to reinstate the loan but could not afford to do so. I applied for a loan modification but did not qualify due to my lack of income at the time. I got so far behind and in fear of foreclosure that I had to relocate in order to find a new better paying job, which still did not afford me enough money to bring the loan current. I have now been in the process of applying for a short sale for the past 6 months and have brought several offers to the table but SLS is not taking into account the repairs that the home needs which is why I have not received any offers that will pay off the balance of the loan in full. The appraised value of the home came in at {$120000.00} on XX/XX/XXXX and I have submitted various offers above the appraised value for the short sale and SLS outright refuses to accept any of the offers and will not provide the minimum amount that they are willing to accept in the short sale, basically refusing to work with me on any resolution that I attempt. Please help me get this resolved, I am trying to rectify the default but the lender refuses to work with me and I do not want to suffer the consequences of a foreclosure on my credit when I have been trying to resolve this for close to two years.

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