vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX   partial account number XXXX. ( Please see page attached. ) This mortgage was transferred from XXXX XXXX to XXXX to XXXX XXXX which is part of XXXX. This was an In- house transfer with no notice given to me. I have had perfect paying history and this late is a mistake and should have been part of the ( 60 )  day grace period that restarted when XXXX XXXX switched me to XXXX XXXX in XXXX. This false reporting of a late is seriously harming my credit score and needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've sent a complaint to all three bureaus of accounts that are on my account that reported incorrectly and need to be removed because they are over 7 years removed from correct last active date. I've reached out three times to no avail. This is frustrating and it's depressing because I'm paying the consequences of it. I recently went for a job promotion but it was denied due to the invalid and incorrect information on my reports. I hope that this is that last time that I have to deal with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've sent a complaint to all three bureaus of accounts that are on my account that reported incorrectly and need to be removed because they are over 7 years removed from correct last active date. I've reached out three times to no avail. This is frustrating and it's depressing because I'm paying the consequences of it. I recently went for a job promotion but it was denied due to the invalid and incorrect information on my reports. I hope that this is that last time that I have to deal with this.

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 2020-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
My mother was added to my account without my explicit verbal or written permission. When asked how I can remove my mother from the account, I was told I need to pay the balance in full before that can happen. They did not offer any other recourse or explanation as to how she was added to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a XXXX XXXX XXXX XXXX XXXX Veteran, My FICO score has been compromised during the XXXX  Security Breach and becoming a victim of credit card fraud and identity theft that has affected my credit negatively. Unfortunately, I used Oportun a payday loan company to pay off credit card debt and establish credit. In XX/XX/2019 I began to receive late payments of the amount of {$60.00} each month although I have this account set up on direct deposit. I have been paying {$100.00} twice a month on the XXXX  and XXXX as my Veterans and SSI benefits are deposited. After discovering the problem and contacting Oportun for a resolution, I was informed that the company will not provide another contract to continue direct deposit payments because the second payment set up on the XXXX of the month does not always deposit into my checking account on the XXXX depending on the day of each month that SSI disburse my benefits if there is 31 days in the month we dont receive payment on that Wednesday causing this late fee that I can not afford with a lost of income. As a result, my credit is impacted more severely with the company reporting negative late payments past 60 days, that has drawn my FICO score down to a XXXX from a XXXX credit score. This issue is not only effacing my personal credit my business credit is also destroyed preventing me from obtaining XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX****. ( Please see page attached. ) This mortgage was transferred from XXXX XXXX to XXXX to XXXX XXXX which is part of XXXX. This was an In- house transfer with no notice given to me. I have had perfect paying history and this late is a mistake and should have been part of the ( 60 ) day grace period that restarted when XXXX XXXX switched me to XXXX XXXX in XXXX. This false reporting of a late is seriously harming my credit score and needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX  ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX  partial account number XXXX****. ( Please see page attached. ) This mortgage was transferred from XXXX XXXX  to XXXX to XXXX XXXX which is part of XXXX. This was an In- house transfer with no notice given to me. I have had perfect paying history and this late is a mistake and should have been part of the ( 60 ) day grace period that restarted when XXXX XXXX switched me to XXXX XXXX in XXXX. This false reporting of a late is seriously harming my credit score and needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Good Morning : My name is XXXX XXXX. On XX/XX/2020 I went into my Chase Amazon Prime Credit Card account to set up payment arrangements due to me falling ill and being in treatment for over 3 months. As this caused a serious financial strain on me and I was awaiting my XXXX XXXX XXXX benefits when the account was closed on me and I had not received any notice of this action. Upon accepting the payment plan options offered on their website, I had agreed to the payment plan they suggested via their website in the amount of {$100.00} dollars for the next three months.The first of these payments was made on XX/XX/2020. Please see attached screen shots of this agreement. Then on the morning of XX/XX/XXXX we had an automatic payment transaction in the amount of {$1800.00} taken from our XXXX  checking account from Chase bank. 

I called my bank XXXX  to place a stop request and they said all they could do was put an alert and file a complaint on my behalf and they recommended that I call Chase. 

As per what my bank XXXX  recommended ; I called Chase and asked them why they did a full balance automatic payment when I had entered into a payment plan with them earlier in the month. Chase answered me by transferring me to a supervisor. The Supervisor said that because my Acct had been closed that I would have to wait till transaction cleared and call back on XX/XX/XXXX. I asked again then what about my payment plan of {$100.00}? Chase 's reply was that they could call my bank but due to the current pandemic situation they could not do that right now. They also said that my automatic payment was ON and selected as PAY BALANCE IN FULL and even though I had entered into a payment arrangement thats why it happened. 

Please see the included pictures and I ask that someone assist me with this. Iam now seriously negative in my bank account, incurring fees and all my other payments will either be paid and also incur bank fees and Chase was the culprit. 

I have no money, no way to buy anything in this horrible sitution we are all living in right now. 

My Chase Credit Card account is/was : XXXX XXXX XXXX XXXX exp : XX/XX/XXXX I finally request for your prompt assistance in this horrible financial situation. 

Thank you for your efforts in advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
By statement dated XX/XX/XXXX, PHH Mortgage Services ( " PHH '' ) together with XXXX XXXX ( " XXXX '' ), are illegally attempting to collect upon a mortgage debt that is time-barred as of XX/XX/XXXX pursuant to N.J.S.A. 2A:50-56.1 ( a ), as a result of the acceleration of my mortgage loan by XXXX XXXX pursuant to N.J.S.A. 46:9-6 as declared within the civil complaint filed in the Superior Court of New Jersey in Docket No. : XXXX on XX/XX/XXXX, for an alleged default as of XX/XX/XXXX. By statement dated XX/XX/XXXX, PHH and XXXX are continuing the illegal servicing practices of Ocwen Loan Servicing ( " Ocwen '' ) by falsely declaring a default and acceleration as of XX/XX/XXXX, which : ( 1 ) contradicts the date alleged within the civil complaint filed in the Superior Court of New Jersey on XX/XX/XXXX in Docket No. : XXXX ; ( 2 ) falsely implies payments were made for the months of XX/XX/XXXX through XX/XX/XXXX ; and ( 3 )  conceals approximately {$21000.00} in payments that I tendered, approximately {$16000.00} of which was cashed and not applied towards the above referenced account number starting the month of XX/XX/XXXX and thereafter. Despite my repeated notices forwarded to PHH and XXXX over the past 5-6 months regarding the aforementioned discrepancies along with the creation, trafficking and presentation of falsely uttered instruments by PHH, XXXX, Ocwen and their agents which set forth false claims of assignments of my mortgage loan, display forged signatures by imposters and false notarizations, and despite the binding consent judgments entered on XX/XX/XXXX in Consumer Financial Protection Bureau, et al. v. Ocwen Loan Servicing, et al. ( Civil Action No. 13-cv-2025 ( RMC ) and on XX/XX/XXXX in State of Alabama, et al. vs. PHH ( Civil Action No. : 1:18-cv-00009-TFH ), XXXX, PHH, Ocwen and their agents are willfully continuing to engage in unfair, deceptive and unlawful servicing and foreclosure practices in violation of the aforementioned consent judgments. The actions by PHH, XXXX, Ocwen and their affiliates has and continues to cause be severe emotional distress and trauma.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Iwouldliketorequestthesuppressionofthefollowingitemsfrommycreditreport,  whicharetheresult ofmyfallingvictimtoidentitytheft

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 2020-03-27 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: BANK OF THE WEST
State: AZ

Complaint narrative:
We traded in my wife 's XXXX XXXX on XX/XX/XXXX On XX/XX/XXXX I called bank of the west for a payoff and was told {$21000.00} ( Note they had not included a payment made on XX/XX/XXXX. 

While at the dealer I was asked to provide a Written Dealer Payoff to the dealer. 
I called on Tues on XXXX I called to request the pay off be faxed to the dealer, I was informed it could only be faxed and would take up to 3 days to fax. I was quoted {$21000.00} as of XX/XX/XXXX the dealer had not received it and I called again and was told they could now email it and they emailed it but was a consumer pay off, I called back to request a dealer payoff and was told I would have to call someone else as the lease end dept couldn't put that in writing but quoted me XXXX as the dealer payoff. As of XX/XX/XXXX XXXX there was still no dealer payoff faxed and I called again and was told they would fax it immediately. I feel that Bank of the West is deliberately trying to stall this to increase the interested that I have to pay. They bounce me around to different depts and have tried to tell me the consumer payoff of XXXX which includes taxes was a dealer payoff, I clarified that this would be incorrect as the dealer payoff would not included taxes. 
They will not allow the dealer to call and get this payoff so it's not costing me more to get this lease fully paid off with the trade as they continue to drag this out. I have worked with many other banks and they can get this information within mins, so not sure why Bank of the west seems not to know how to process this paperwork and continues to send incorrect paperwork They choose to not email or reply in writing so that I have no documentation to use as evidence

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 2020-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
After receiving notice from Td Bank ( XX/XX/2020 ) that our homeowner 's insurance had lapsed, we immediately responded with the supporting documentation to dispute that claim : escrow statement showing full payment ( 12mos. ) to our insurance company, and a declaration page stating the coverage period. In the weeks to follow we made several calls to their customer service mortgage department to rectify the situation and hasten a solution ( refund ). At one point we even enlisted the aid of one of the banking center managers assuming that he would have access to the appropriate personnel! All of our efforts have been ignored. It was not possible to request the same agent when I called and each call involved retelling my story and being given the same response : " we will expedite your inquiry ''. Our account was billed an exorbitant amount, {$4200.00}, for insurance that was purchased by TD bank and they have not provided any explanation for why they claim we had no coverage. Meanwhile we were never notified that we were ( supposedly ) at risk and it was 5 months before we got any notification, and were billed well after the fact. 
The level of disregard for our concerns and consumer rights is more offensive than the incompetence of the customer services at TDbank!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Iwouldliketorequestthesuppressionofthefollowingitemsfrommycreditreport, whicharetheresult ofmyfallingvictimtoidentitytheft

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 2020-03-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: BBVA FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have tried to close a money market account since XX/XX/XXXX. I would appreciate someone who can actually do something at the bank to close my money market account. I spoke with a supervisor, XXXX, on XX/XX/XXXX. I complied with his requirements to send in a letter with my request and a copy of my driver 's license. On XX/XX/XXXX I spoke with XXXX at XXXX XXXX XXXX XXXX and she indicated the letter was received, but now I needed a notarized signature. I indicated I am XXXX with a compromised health condition and my doctor told me not to leave the house. After multiple more calls to her and XXXX and others I was told a process was set in place to prove my identity. I spoke with XXXX XXXX on Tuesday, XX/XX/XXXX, at XXXX XXXX XXXX. She provided multiple questions and sent a text to my phone to prove my identity. I called XXXX XXXX today, XX/XX/XXXX and, like everyone else she said she is passing the information onto someone else. Without the support of BBVA, I withdrew all my money from the money market account by transferring it to my XXXX account. The account is still is not closed and is showing a - {$3.00} charge. I have a XXXX credit rating with XXXX, which I do not want negatively impacted due to the incompetence of this bank. I want the money market account ending in XXXX closed and the charge removed. They have already charged me a {$15.00} fee for this money market account and tried to charge me that fee multiple times, even though the bank is unable to close my account. I also want a check sent or directly deposited in my XXXX account for my five CDs upon maturity. I have a {$2000.00} CD ending XXXX matures on XX/XX/2020, a {$25000.00} Cd ending in # XXXX that matures XX/XX/2020, a {$10000.00} CD # XXXX that matures XX/XX/2020, a {$15000.00} # XXXX maturing XX/XX/2020 and a {$5000.00} CD ending XXXX maturing XX/XX/2020. I had no problem transferring money from my XXXX to BBVA and opening accounts. This bank is making it impossible to close accounts and charging penalties while I wait. Please contact me by e-mail XXXX, text or phone XXXX XXXX XXXX. These are challenging times. Like others, I do not need any more challenges right now. I am caring for my XXXX year old wife. Thank you XXXX XXXX XXXX I am attaching the letter I had sent to the bank, which was stipulated to me by XXXX the supervisor, on XX/XX/XXXX. I also sent a copy of my driver 's license, XXXX, who I spoke to on XX/XX/XXXX indicated both were received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX  XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX BALANCE {$2200.00} XXXX XXXX XXXX BALANCE {$24000.00} XXXX XXXX Balance {$1500.00} XXXX  XXXX XXXX  Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]

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