vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: DC

Complaint narrative:
I requested information regarding forbearance from NewRez, but did not opt to participate in the forbearance program and have paid all mortgage payments in full and when due. I was surprised to receive a letter from NewRex approving my husband and I for the program in XXXX. I later learned that NewRez placed a comment regarding relief due to natural disaster on my credit report ( and likely on my husband 's as well ) even though we have continued to pay our mortgage on time and in full every month. 

Given that we did not actually request to participate in the program and have not availed ourselves of the benefit offered, we think it is inappropriate to have any indication regarding natural disaster relief on our credit reports. While not a " derogatory mark '' it could be confusing for future lenders and adversely impact our ability to obtain credit. 

I requested this information to be removed on XX/XX/20 over the phone and via email. 

I inquired with NewRez about refinancing on XX/XX/20 and was told that they could not generate a loan because of a forbearance on the account. I emailed and called to clarify that this is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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 am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. 

For some, I recognize the names that are listed as original creditor, but I dont understand how I could owe so much as I dont recall ever having gotten so much debt.

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 2020-07-03 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:
I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. 

For some, I recognize the names that are listed as original creditor, but I dont understand how I could owe so much as I dont recall ever having gotten so much debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: VA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo is reporting erroneous information to XXXX  regarding a former car loan I had with them. They report a late payment/negative item for XX/XX/XXXX. 

On XX/XX/XXXX, I traded the car ( XXXX ) to a dealership when I purchased a XXXX XXXX XXXX. 

How could I have a late payment when I traded the car? 

This is the only negative payment on my record. I do have a bankruptcy that occurred in XXXX and the vehicle was covered in that bankruptcy ; however, I continued to make payments even though I didn't have to up until I traded the car on XX/XX/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 2020-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
XX/XX/2020 - We closed escrow for our home. 
XX/XX/2020 - Received first mortgage payment notice from escrow company for the amount of {$2100.00} due on XXXX XXXX payable to XXXX  ( Loan # XXXX ) XX/XX/2020 - Received letter from XXXX indicating that our mortgage was sold and effective XX/XX/XXXX payment should be sent to XXXX XXXX for Lakeview Loan servicing LLC. 
XX/XX/2020 - Sent XXXX payment via XXXX online payment to XXXX ( Check # XXXX ) XX/XX/2020 - Received letter ( dated XX/XX/2020 ) form Lakeview loan servicing LLC notifying us that they are the new loan servicing company and the payment for XX/XX/2020, must be sent to them!???? 
XX/XX/2020 - Payment forXX/XX/2020was sent payable to Lakeview loan servicing LLC ( Trace # XXXX ) XX/XX/2020 - Payment for XX/XX/2020 was sent payable to Lakeview loan servicing LLC ( Trace # XXXX ) XX/XX/2020 to XX/XX/2020 - Received daily harassing calls from lakeview loan servicing LLC for late payment. I called several times explaining their mistake with no results. They have applied my XXXX payment to XXXX, XXXX payment to XXXX. 
XX/XX/2020 - Just mailed XX/XX/2020 payment to Lakeview loan servicing LLC. (  Check # XXXX  ) I have never been late on any payment and now I am considered one month late! 
IT IS VERY UNFAIR THAT I HAVE BEEN WITHOUT WORK OR INCOME SINCE XX/XX/2020 AND HAVE TO CHOOSE BETWEEN GROCERIES FOR MY FAMILY AND MAKING AN EXTRA MORTGAGE PAYMENT BECAUSE THESE TWO LOAN SERVICING COMPANIES HAVE MADE AN ERROR. PLEASE HELP!

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 2020-07-03 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: TX

Complaint narrative:
I continuously dispute 2 of the collections on my account. Provided documentation that the account I have was paid off and cancel but for some reason the debt collector XXXX XXXX XXXX  thats collecting for XXXX XXXX XXXX saying I owe {$630.00} and XXXX XXXX XXXX stating I owe {$720.00} which is fraudulent. I contacted XXXX XXXX directly and asked if I owed anything or do they see any old accounts in the system. She did a through investigation and check with My personal information looking for this information. She was able to pull up my old account but it was showing paid by me. She even sent out a bill copy that was requested in her back office to get this sent out to show I didnt owe anything and everything is good. The only account I have thru XXXX XXXX XXXX is XXXX and XXXX XXXX XXXX ... No XXXX XXXX  The old Accounts I had with direct tv at different addresses showed I transferred service and no balances. Sent my documents in to all 3 credit bureaus and seem like they look at the other credit bureaus and say its accurate. I even requested documentation and dates which the credit bureaus dont ever send to me. Now at one point it was remove 2 years ago and than added back this XX/XX/2020. The debt collector XXXX XXXX XXXX XXXX XXXX XXXX also popped up on my report in XX/XX/2020 as a new account. I disputed this one as fraudent a couple years ago and they deleted but it came back up in XXXX as a new account they XXXX XXXX. I never had no account with XXXX XXXX and havent borrowed or got a pay day loan for no amounts. For me to get a mortgage loan I had to forcibly settle with this unknown company because the credit bureaus wouldnt take it off my report. I asked also for documentation and dates and etc. even these so call late paymentS and no one will send me anything! Im sick and tired of fighting back and forth with these unknown companies and credit bureaus that I had to make a complaint and on top of that wasted money that could of been on my children. Police Report was made with XXXX XXXX in Texas  for fraud and stolen items. Report number 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 2020-07-03 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: TX

Complaint narrative:
I continuously dispute 2 of the collections on my account. Provided documentation that the account I have was paid off and cancel but for some reason the debt collector XXXX XXXX XXXX thats collecting for XXXX XXXX is saying I owe {$630.00} and XXXX XXXX XXXX stating I owe {$720.00} which is fraudulent. I contacted XXXX XXXX directly and asked if I owed anything or do they see any old accounts in the system. She did a through investigation and check with My personal information looking for this information. She was able to pull up my old account but it was showing paid by me. She even sent out a bill copy that was requested in her back office to get this sent out to show I didnt owe anything and everything is good. The only account I have thru XXXX XXXX XXXX is XXXX and XXXX XXXX XXXX ... No XXXX XXXX. The old Accounts I had with direct tv at different addresses showed I transferred service and no balances. Sent my documents in to all 3 credit bureaus and seem like they look at the other credit bureaus and say its accurate. I even requested documentation and dates which the credit bureaus dont ever send to me. Now at one point it was remove 2 years ago and than added back this XX/XX/2020. The debt collector XXXX XXXX XXXX XXXX XXXX XXXX also popped up on my report in XX/XX/2020 as a new account. I disputed this one as fraudent a couple years ago and they deleted but it came back up in XXXX as a new account they XXXX XXXX. I never had no account with XXXX XXXX and havent borrowed or got a pay day loan for no amounts. For me to get a mortgage loan I had to forcibly settle with this unknown company because the credit bureaus wouldnt take it off my report. I asked also for documentation and dates and etc. even these so call late paymentS and no one will send me anything! Im sick and tired of fighting back and forth with these unknown companies and credit bureaus that I had to make a complaint and on top of that wasted money that could of been on my children. Police Report was made with XXXX XXXX in Texas for fraud and stolen items. Report number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My wife and Myself had a shared Chase MasterCard that originated in XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due to financial difficulties, Chase wrote this account off on XX/XX/XXXX for {$12000.00}. 
I received a 1099-C ( XXXX XXXX XXXX ) but my wife never did. Chase was required to send my wife a 1099-C and didn't. I did report this as income on our joint XXXX tax return. 

Because they never sent my wife a 1099, I want this account removed from my credit reports. 

I also want a full accounting of the late fees and charges and interest that were charged to this account before it was written off. I believe we were overcharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/2020 I submitted an online loan application to refinance my home with Chase Bank. That same day I was contacted by XXXX XXXX and I provided the documentation needed. On XX/XX/2020 XXXX provided me with a loan estimate and required additional documents from me which I submitted through the online portal. Towards the end of XXXX I began working with XXXX XXXX due to the lack of communication from XXXX. XXXX then assisted me in completing all my tasks and I submitted additional documents she requested. On XX/XX/XXXX I received an email from XXXX notifying me that my loan is ready to be sent to the Underwriting department. 

On XX/XX/XXXX XXXX emailed notifying me that she's performing a final review before sending to underwriting. In her review she states that she can't find a Chase deposit relationship and that it's a requirement for a cash out refinance. She apologized for not realizing this earlier and notifies me that I am not meeting the requirements and can no longer help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Checking or savings account — 
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: PNC Bank N.A.
State: NY

Complaint narrative:
NOTHING YOU GUY DO GRAET JOB

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: NY

Complaint narrative:
I have submitted previous disputes to XXXX, Transunion and XXXX on the following dates : XX/XX/20 ; XX/XX/20 ; XX/XX/20 ; XX/XX/20 and XX/XX/20 to update my personal information ; remove all previous addresses, all other names know to only reflect my current address and submitted a copy of my driver 's license and utility bill as proof of my residence. 

I have submitted previous disputes to all 3 credit bureaus to address hard inquiries : XXXX  is the only one who actually addressed the process. Transunion and XXXX   have not anything to address and or resolve this remedy of updating my personal information : of previous addresses, names, and hard inquiries which is impacting my credit worthiness. Transunion has not followed up on dispute on an alleged collection account and sent in 3 disputes to address this matter ; I have also sent 3 disputes to XXXX  of an alleged collection account to reported updated but nothing has been updated. I have provided evidence from XXXX & Transunion Credit Reports as well a 3 bureau credit monitoring services from XXXX XXXX to show further evidence of Date of Last Activity, ( DOLA ), Date of Last Reporting, ( DOLR ) which the bureaus are failure to utilize in my disputes. I have placed screen shots and even highlighted the inaccurate information to provide factual disputes to better my chances to have inaccurate information removed from my credit report. 

I am asking assistance from CFPB to address this matter and hope my resolution to have all inaccurate information removed from my credit report using factual disputes to remove these inaccuracies of my credit report to make myself more credit worthy.

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 2020-07-03 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: NY

Complaint narrative:
I have submitted previous disputes to XXXX, XXXX  and Equifax on the following dates : XX/XX/20 ; XX/XX/20 ; XX/XX/20 ; XX/XX/20 and XX/XX/20 to update my personal information ; remove all previous addresses, all other names know to only reflect my current address and submitted a copy of my driver 's license and utility bill as proof of my residence. 

I have submitted previous disputes to all 3 credit bureaus to address hard inquiries : XXXX  is the only one who actually addressed the process. XXXX  and Equifax have not anything to address and or resolve this remedy of updating my personal information : of previous addresses, names, and hard inquiries which is impacting my credit worthiness. XXXX has not followed up on dispute on an alleged collection account and sent in 3 disputes to address this matter ; I have also sent 3 disputes to XXXX  of an alleged collection account to reported updated but nothing has been updated. I have provided evidence from XXXX  XXXX XXXX  Credit Reports as well a 3 bureau credit monitoring services from XXXX  XXXX to show further evidence of Date of Last Activity, ( DOLA ), Date of Last Reporting, ( DOLR ) which the bureaus are failure to utilize in my disputes. I have placed screen shots and even highlighted the inaccurate information to provide factual disputes to better my chances to have inaccurate information removed from my credit report. 

I am asking assistance from CFPB to address this matter and hope my resolution to have all inaccurate information removed from my credit report using factual disputes to remove these inaccuracies of my credit report to make myself more credit worthy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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:
FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. 

I have tried multiple times times to report the inaccuracies to the credit bureaus and they have remove inaccurate information and they have not complied. 

I will attach driver license ftc report ssn card

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 2020-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are several credit inquires that are reflecting on my report that I do not know the companies. I have written letters to the companies and credit reporting agencies to give me more detail. They have not given me a proper resolution.

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 2020-07-03 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: EQUIFAX, INC.
State: MO

Complaint narrative:
There is an account on my report from XXXX XXXX XXXX which was close closed over a year ago yet XXXX XXXX is still reporting it as active. It needs to be removed. There is also information on my report for XXXX XXXX  the house was sold and the account is closed. I respectfully refuse to furnish a social security card as requested or any information that could be used in a fraudulent manner as it has been well documented that these information carries have had issues with data breaches.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
On XX/XX/20, I purchased media cabinet, two bookshelves and 5 stools for {$5000.00}. West Elm contacted me to inform me that they did not know when they would deliver. I asked for a refund. They only returned partial. I had to call back because they forgot to return the media cabinet because THEY FORGOT. Then they explained that they would not return the shipping fee amount. I have spent no less than 10 hours, emailing, calling and begging them to fix my account. West Elm is totally unresponsive. I have been given the run around. I have researched online and this behavior is consistent with many complaints. They sell product and sometimes " lose '' where it is in the supply chain. They do not respond to calls and inquiriesXXXX XXXX XXXX. I am asking for a refund of the total amount in addition to the late fees and interest. Most importantly, WEST ELM AND COMENITY BANK which is their credit card MUST make my account equal to XXXX and account current. They are impacting my credit negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LOBEL FINANCIAL CORPORATION
State: TX

Complaint narrative:
Lobel Financial told me via email that I need to deal with debt collector that my account was sold to and not them. I am now handling account with XXXX. Me and XXXX negotiated the account for the written off amount of XXXX. And {$100.00} a month. So far, Im current on the account with them. Lobel financial keeps reporting a higher amount on my credit report that goes up each month, they keep reporting late payment even though the account was a repossession. They have the account listen as a charge off instead of a repossession. And they keep hitting my account with random inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I sent in dispute and its been well over 30 days and I havent received any response back form them.

Company response to consumer: Closed with explanation