vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I received the marital residence in my divorce. I went to the title company to find out what had been going on with my house as the payment had went up substantially since we built it, closing in XXXX. I found out my now ex husband had refinanced our house multiple times without my knowledge. Then he started hardship letters, and loan modifications. In XXXX of XXXX he refinanced and somehow got my name off the mortgage loan. Because of this the loan servicing company wouldnt even talk to me. One modification that stood out to me the most was one done in XXXX of XXXX. The notary I knew personally. I was out of the country when the modification was signed, notarized and stamped. When I questioned the notary about it she denied doing the notary, but after turning it over to the sheriffs department when they questioned her she told them I signed in front of her. How can that be? I was in XXXX with my sister on XX/XX/XXXX. I had proof. The detective  didnt care. He said she said I signed in front of her so the investigation was at a standstill? I contacted Wells Fargo and they sent me what they had on file for my home. What they have and what XXXX county has on record do not match, and the loan modification that was signed and stamped in XXXX of XXXX, they sent me a copy of that modification. They have a different notary that signed and stamped then what is on file. Not only a different notary, but they show the notary signing on XX/XX/XXXX, and we supposedly signed the papers on XX/XX/XXXX. What happened to XX/XX/XXXX? And how can a notary sign and stamp papers that we didnt even sign until XX/XX/XXXX? I did not sign any papers! Now I am fighting to keep my home because of illegal actions of others. I had a mortgage on my home. Now Im not even on the loan? And my now ex took so much money from our house without any consequences? I am confused as to how nobody noticed any of this, and I want justice.

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 2020-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was the victim of identity theft, which resulted in some accounts being opened in my name by fraud. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove the following accounts which were opened by fraud as per FCRA Section 605B ( a )

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 2020-11-16 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 was the victim of identity theft, which resulted in some accounts being opened in my name by fraud. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove the following accounts which were opened by fraud as per FCRA Section 605B ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX  calls me regularly, at least once per weekday, from a variety of phone numbers so that no one harassing number can be blocked. They almost never leave a voice mail message. 

They refer to me using a maiden name I have not used legally in over 15 years. 

I do not owe any debt. These calls are pure harassment. I have received no mailings, email, or other proof of whatever debt they are alleging that I owe. 

Recent calls from various numbers include : XXXX from XXXX XXXX from XXXX XXXX from XXXX XXXX from XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Selene Holdings LLC
State: TX

Complaint narrative:
Our home mortgage was transferred to a company called " Selene Finance '' located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Texas XXXX, XXXX, XXXX XXXX. XXXX. 

In XXXX 2020 there was a bad hail storm and we had alot of damage to our roof which required replacement. We contacted our insurance company, XXXX XXXX, who began processing our loss. We contracted a roof construction company, XXXX XXXX XXXX XXXX, XXXX. 

We arranged a construction date and notified Selene Finance of our situation. We then paid the roofer the initial deposit. Because the second check was made payable to my husband and myself AND Selene Finance, we signed the check and sent it for Selene 's processing which we eventually was able to give the new Selene Finance check to our roofer, but we did not receive the final payment for the roof at this time. We requested final payment based upon inspection of good/complete work done. 

To date ( XX/XX/2020 ) we have not received final payment and our roofer still has not been paid for the final payment XXXX {$7500.00} XXXX. We know XXXX XXXX paid Selene Finance on XXXX XXXX, 2020, for this amount, but Selene Finance will not release these funds to us. We have tried and tried to communicate with Selene Finance but we are told " the check is being approved '' which has been going on for over a month. No one seems to be able to help us expedite payment to our roofer. 

We appreciate any assistance you may offer to help us complete this transaction. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2020-11-16 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: JPMORGAN CHASE & CO.
State: SD

Complaint narrative:
My credit reports were impeccable untilXX/XX/312020, when my chase credit card added an inaccurate remark to my credit report files. This single error caused my scores to drop 128 points, even though everything still reflected 100 % positive standing. This fraudulent reporting Remark on my file reads account previously in dispute. My account has never been in dispute. There was no dispute whatsoever. Chase agreed to completely remove the remarks on XX/XX/XXXX, they confirmed this information incorrectly information should not have been submitted, was incorrect and would be deleted. I was assured this would happen within 5-10 days and everything would recalculate, but this did not happen. In fact, Chase confirmed with XXXX  that the remarks were accurate, and so they remain and I cant dispute them further. I received a letter from Chase that they reported that my account was no longer in dispute, which is further false reporting. Rather than removing the inaccurate remarks as they promised, they repeated their mistake and once again reported account no longer in dispute. My account status is flawless and has never been in dispute. When I contacted Chase for the second time, they told me they could not remove old remarks, even when the remarks are inaccurate. These remarks remain on different areas of all 3 credit reports, current and/previous. This is the only thing on my credit that has changed or is negative and it has absolutely destroyed my fantastic credit scores. There was no dispute of any kind open or active, this account was never disputed, and this reporting was fraudulent and unfair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately : XXXX XXXX XXXX Balance {$2600.00} XXXX  XXXX XXXX XXXX Balance : {$1300.00} The information is not information relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block or remove this information from my credit report. 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.

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 2020-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days 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 to be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-11-16 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: NY

Complaint narrative:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days 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 to be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have been disputing items on my credit report with all 3 of the bureaus and NONE of them have responded to me. I sent letters as far back as XXXX and have yet to receive a single correspondence from them for those disputes I did. I understand that there is a delay due to the pandemic but we are all going through it and under the law they still have to respond! There are still inaccurate items on my credit file that need to be removed and I need them to do their part and remove the items I have disputed from my credit file.

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 2020-11-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: RockLoans Holdings LLC
State: FL

Complaint narrative:
I am a XXXX  servicemember and am eligible for an interest rate cap on my personal loan under the Servicemembers Civil Relief Act ( SCRA ). I contacted Rocket Loans to inform them of my XXXX XXXX XXXX  and supplied a copy of my military orders. I have been told that the lowered interest rate has been applied to my account ; however, Rocket Loans has refused to provide an explanation as to how they calculated the amount of interest due on my payments and how my monthly payment is being applied to my loan principal. My wife and I have asked multiple representatives at Rocket Loans to explain how much of our monthly payment is going toward principal and how much is going toward interest, as the amounts listed on our online portal seem inaccurate. Additionally, my SCRA benefits were backdated, so I've requested that Rocket Loans provide an explanation as to how they calculated my overpayments and how they were applied to my account. Multiple phone requests for follow-ups have gone unreturned. We were encouraged last week when the Rocket Loan Chief Compliance Officer contacted us to advise that he was handling the issue. However, all we received as a response was an email with a link to a personal loan repayment calculator. I'm simply trying to understand where my hard-earned money is going and Rocket Loans is refusing to answer my questions. 

The complaint was filed after we received an incomplete response the Chief Compliance officer from Rocket Loans. We were very specific about our questions and the information we wanted on our loan. We asked Rocket for that information multiple times and they would not respond. After speaking with the Chief Compliance officer, I was assured that he would address our concern regarding our question that are interest rate was not reduced correctly under SCRA. The CCO responded a couple of days later and sent us a link to an interest rate calculator stating that it made sense to through his initial review. We took his message to mean that he confirmed that the amount that we were being charged was correct. However, we knew better and the math did not add up. We pushed again and asked again that they review the file in detail to confirm that they were charging the correct interest rate of 6 %. It was only after we pressed the CCO again that Rocket Loans then determine that they were overcharging us interest during XXXX ' period of XXXX XXXX services. Then our repayment schedule was updated to reflect the lower interest. It took me multiple times of pressing Rocket loans, and a high level officer with the company before they would acknowledge that they were charging us incorrectly and not providing the benefits we are entitled to under SCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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 am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately : XXXX XXXX XXXX Balance {$2600.00} XXXX   XXXX XXXX XXXX Balance : {$1300.00} The information is not information relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block or remove this information from my credit report. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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 am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately : XXXX XXXX XXXX Balance {$2600.00} XXXX  XXXX XXXX XXXX Balance : {$1300.00} The information is not information relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block or remove this information from my credit report. 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.

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 2020-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I did not apply for credit with any if the accounts listed on this page I have also reached out asking that they remove the inquiry from my credit profile. 
Please launch an investigation to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 
XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX - listed twice XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. 
Thanks in advance for your prompt attention to this matter. 
Sincerely, 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 2020-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: United Check Recovery Bureau, Inc.
State: CA

Complaint narrative:
A guy named XXXX said he was looking for a woman who was not me ( I am a man ). I told him I was not that woman and that he should not call anymore. He continued to ask about her and I told him I did not have any information about her. I told him not to call me anymore and that I had received calls from his company before regarding this same person. He then got verbally abusive with me and argued with me and then hung up the phone. He called from the number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
Midland Credit Management sent me a letter threatening legal action against me and wage garnishment for the amount of {$3500.00} which I never received a validation letter from them. XX/XX/2020

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: SC

Complaint narrative:
Keep applying that i had account which i didn't. Ask for proof. Wont provide it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation