vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I already have a complaint filed. The company, Penny Mac, specifically their VP called me on Tuesday, XX/XX/XXXX at roughly XXXX est, his name is XXXX XXXX. He indicated he knew about the complaint and blew it off and said, " we get these all the time ''. He also asked me not to file complaints with the CFPB and to only talk to him. I indicated I already tried that for 5 months and can not find resolution and that I will continue to file complaints until they get this done. 

I do not believe they should be indicating that complaints are common and that they happen all the time, but he should not be asking me to not work with you. 

He tried on several occasions during the call to turn the blame on me where I had to correct him. 

I also indicated to him that because of the banks XXXX up, a new appraisal had to be done and this cheated me out of roughly {$100.00} per month due a different appraisal amount impacting the PMI. In addition, I have been paying the old rate for an additional two months I should not have been.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2020 a charge appeared on my chase credit card from XXXX & XXXX XXXX, an electronics store in XXXX XXXX XXXX for {$850.00}. I live in California and have never shopped at XXXX & XXXX. I reported the charge as fraud and it was removed. 

Chase performed an investigation and deemed the charge not fraud and added it back to my account in XXXX. 

I contacted Chase and they said 1. The purchase was for a bunch of computer processors ( not something I have ever purchased ) 2. The purchase was shipped my home address 3. The purchase was signed for at my home by XXXX. The person who signed for the purchase used the name XXXX XXXX ( that is not my name ). 

Because the shipping address matched my address they said it was not fraud even though I did not order this item and I was not the person who signed for it. 

I contacted the merchant and they provided me the email address used to make the purchase ( and where the receipt was sent ). The email address was NOT my email. 

I have provided Chase with these details but they continue to believe the charge is not fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was a victim of Transunion 's inquiry issue. I have two inquiries with Transunion that I did not approve, I need these removed. I contacted Transunion and was not successful in submitting a dispute with them. I need the following inquiries removed from my file : DEPARTMENT OF EDUCATION dated XX/XX/20 and XXXX dated XX/XX/20

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 2021-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
at XXXX XXXX. XXXX, I used XXXX app to purchase this item. But after I purchased it, I saw the seller has closed his store. I realized I got fraud and then I called wells fargo and contacted with paypal to report this case in the same day I purchased. but the seller proved a fake tracking number which means the tracking number is exist but the delivery address doesn't match with me, the XXXX choosed to trust the frauder and dennied my request.the wells fargo staff promised me they will invetigate this case by 10-15 business days, and gave me a temporiry credit on my card. after a month, there was no any information or notification for me from wells fargo, so I thought the case has done. but after 4 months, the last Saturday, XX/XX/XXXX. XXXX, my wells fargo account got deduction with no reason, the wells fargo staff told me because they dennied my request, so they reverse the credit. but they had never contacted me before, and they had not asked me for any evidence of being fraudulent with me, and even I could prove that the frauder did not send me anything before. But now that four months have passed, some proof is gone.

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 monetary relief
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: IL

Complaint narrative:
I sent a debt validation letter on XX/XX/XXXX to Phoenix Financial Service this company has failed to validate my debt instead they sent I for regarding a procedure and XXXX codes which I know is a violation of Hippa regulations.I never signed a release form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
Received alert on credit report regarding debt. Requested validation of debt. Documentation received indicating that patient responsibility is zero. However included a letter stating that although itemized balance might be XXXX your total balance has been forwarded to our office and is listed below. How can I owe XXXX but they say I owe more?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Ingo Money, Inc.
State: MD

Complaint narrative:
XXXX XXXX Card Unauthorized Identity theft XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
In XXXX XXXX XXXX  XXXX XXXX had told me I owe XXXX for a free phone. I had informed them in XXXX I didn't not owe the amount. I am being charge wrongly I had to contact the complaint office, President office, corporate office, receivable office. it took until the end of XXXX. I just decide to pay the XXXX in full so I would not have XXXX XXXX XXXX on my credit, they found out I didn't owe the bill and they did a reversal and refunded my payment removed XXXX XXXX XXXX off my credit and cleared the account Before they had fixed the issue this company Sequim collection agency LLC brought the account from XXXX XXXX XXXX. began sending letters and calling I didn't know what was going on I called XXXXXXXX XXXX XXXX  back I was told that the account issue was cleared. I told them I had talked to a MsXXXX XXXX at Sequim asset solutions who was not very cooperative. XXXX XXXX XXXX response was the sent Sequim solutions to remove me off there account. It was reported to the credit bureau that my account was XXXX they were ask to release me from there account. by I was told because I never owed the bill. They are yet on my credit. I informed I was told they had contacted Sequim asset solutions to remove themselves off my credit they are yet in denial of removing Sequim asset solutions off my credit. Here it is XXXX and have yet to get this in correction. I have taped conversation of all party including Sequim asset solutions upon request of what all parties response was.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
Greetings. At this time XXXX and XXXX are reporting a debt collections on my credit report which does not belong to me and is inaccurate. XXXX does not even see it on their end. The collection appeared within the last month and says its from DRS ( Debt Recovery XXXX ) for {$580.00} from XX/XX/2021. I have never done business with this company and do not have any outstanding debts. I can affirm that I do not have any debts, especially none on or around XX/XX/2021. This is being inaccurately reported and is negatively affecting my credit report. I was able to file an electronic dipute with both XXXX and XXXX using their mobile app dispute services. I received a response within 30 days, in compliance with the law. However, their response is that the debt collection is valid. I never received any information from Debt Recovery XXXX regarding this alleged debt. I never received any communication regarding this collections. I believe this information is fraudulent and inaccurate and respectfully request that they produce information to validate this claim in a timely fashion. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XXXX I received a noticed from XXXX XXXX that XXXX reported a Hard inquiry into my credit. This inquiry lowered my credit score approximately five point for up to two years. I called and spoke to XXXX they told me contact Capital One Bank. I contacted them and explained to them and told me that they were the one 's that did the hard inquiry. I asked them why they did the hard inquiry and the told me from time to time they will do hard inquiry 's to see if they could offer a unsolicited loan and or a credit card. This is not right, I don't have a open account with them and I didn't ask request one. Please help. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-09 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: MN

Complaint narrative:
XXXX XXXX Inquiry from XXXX XXXXXXXX, XXXX XXXX - Card Service Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Equifax Mortgage Ser Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

These unauthorized/fraud inquiries have been the reason for my credit denial and hardship. 

I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am in error, then please send me proof of this. 

My contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: CT

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I wrote to XXXXXXXX XXXX about a hard squire on my Equifax report that was inaccurate. I never have anyone permission to pull my credit. On XX/XX/XXXX I wrote Equifax and they advised me to contact XXXX XXXX  I called XXXX XXXX they advise me to contact Equifax.!! This is not good they have me going back and fourth and the matter still isnt resolved.. I spoke with a supervisor from XXXXXXXX XXXX and he said he doesnt see any info pertaining to this matter. I want this inquiry removed immediately. Im not getting proper assistance thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: IN

Complaint narrative:
I have several accounts that were not mine. Not even my name. Transunion, XXXX  have allowed these people using wrong names to add to my credit report along with wrong addresses and I have already went to the companies and they are all fighting with me to remove them. I have had to fight XXXX along with 9 hard inquiries the companies XXXX  and transunion keep saying verified. XXXX has deleted them. I have spoken to all these places and they did agree to remove them yet none have been removed when I disputed them. Had they actually investigated these they would have been removed. I have requested both places to send me all verification info and also the information for the companies verifying them and have recieved nothing. I am a victim of identity theft from applying for credit and also even having collections account for XXXX and also XXXX even a XXXX XXXX that was not even my name. addresses not mine and these companies had they verified the 3 things as they are suppose to then this would not be happening. My contact info is XXXX XXXX XXXX. Please get in contact with me. on both Bureaus there are 9 fraudulant inquiries and they absolutely refuse to delete them. I can not even protect myself under the FCRA because they do not follow these rules.

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 2021-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not file for chapter XXXX bankruptcy. It has already been deleted from XXXX. Please delete from my credit 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 explanation
Consumer complaint received 2021-04-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not file for chapter XXXX bankruptcy. It has already been deleted from XXXX. Please delete from my credit 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 explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
This inquire on my credit is a violation of my consumer credit rights & I would like for this to be removed as soon as possible!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: OK

Complaint narrative:
On XX/XX/2021, I sent a certified letter to National Credit Adjusters ( NCA ) to verify a debt appearing on my credit report in the amount of {$690.00}. As of XX/XX/2021, I have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regions Bank is saying that I owe on a loan that I never took out this loan was opened when I was XXXX on a XXXX XXXX for over a year I never signed or opened a loan at regions Bank regions Bank can not produce a paper showing my signature I have asked for it numerous times I am in the process of getting a lawyer and a lie detector test to prove that this is not my loan I will be taking regions Bank to court and Sue them for my lawyer fees and my light detector test regions bank has not believe me I have tried to tell them numerous times that this was not my loanthe only way I know to prove this is to get a lie detector test and make regions Bank pay for it to prove I never opened this loan this is not my loanI need this removed from my credit reports today or I will be filing a lawsuit in which regions Bank will have to pay my lawyer fees and for the lie detector test result I present in court

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 2021-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Advanced Portfolio Group LLC
State: OH

Complaint narrative:
Repeated phone calls from phone number XXXX to my cell phone. I looked the number up and it is tied to a company called Advanced Portfolio Group. Today the started calling my ex husband and son. They have received calls and/or voice mails from the same number/company. They asked them about my location or something of that nature. That is all the information they would tell them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: NY

Complaint narrative:
Equifax and XXXX both have been erroneously reporting my XXXX FicoScore as XXXX. The same low figure Equifax assigned to my account with them. Unfortunately I have been paying these two companies Equifax {$4.00}, XXXX {$12.00}. I have stopped the one with Equifax. I have contacted both these companies, explaining the fact that my XXXX SCORE IS XXXX thats a difference of XXXX points. These two if asked by a lender would provide false information regarding my credit worthiness to them. My XXXX XXXX score has been in existence for a while and therefore available to these companies that are collecting a fee for providing bad information on behalf of the Consumer, to prospective lenders, is criminal in my opinion. Amazingly enough, they both have the correct figure of XXXX for my XXXX Score. I dont know where they get their Infomation from, or even if they are working together. Its just something I find strange.

Equifax Score is always the LOWEST score of the 3 reporting Agencies scores as Ive found. My Husbands, my XXXX Equifax scores are too the lowest of the 3. Im just surprise of their attempt to bring down my high XXXX XXXX down to their LOW XXXX level. Im terminating ScoreSense because they provide bad Infomation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
OVERCHARGE : PHH MORTGAGE has extended my mortgage even after it should have ended. When Ocwen Loan Servicing LLC service my account before turning it over to PHH MORTGAGE, my statement dated XX/XX/XXXX, the balance {$220000.00} ( See attachment ) not {$340000.00} as PHH Mortgage claim. I had a Loan Modification where I get {$53000.00} off per year as long as I made timely payments ( XXXX, XXXX & XXXX ). PHH MORTGAGE took over servicing the loan & change the agreement & went back to the original an amount in XXXX. How many people have been extorted & financially XXXX before something is done?? How many?? 
You should do an investigation & charges the company with overcharges & extortion

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I refinance my original auto loan with Capital One in XXXX of XXXX. I have sent them all of the paperwork that they have requested on multiple occasions. On XX/XX/XXXX at XXXX Pacific time Capital One called me. I answered the phone, the woman on the phone told me she was with Capital one and needed me to verify the account. I said it is only XXXX, she insisted that I verify who I was and that this was in regards to my auto loan. I told her she was calling hours before they were suppose to be calling in my state. They were calling from a local Nevada number XXXX it cam up on the caller ID as Capital One. She told me that I needed to verify my information to speak with me. I again told her is was to early and she was violating credit collection guidelines. She then hung up on me. She had a foreign accent and did not state her name. They have not called me back.

Company response to consumer: Closed with explanation