vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
I am filing this complaint to the CFPB in hopes you can help investigate the illegal foreclosure proceedings and Dual Tracking of foreclosure that occurred on my family home on XX/XX/XXXX. 

Our Mortgage with PHH has been foreclosed upon while we were working with PHH on Home Retention options for Loan Assumption/ Loan Modification. Prior to the foreclosure we had been submitting all the required documents they asked and had assured us the foreclosure on our home was all Postponed and that foreclosure would not continue but in XX/XX/XXXX PHH went ahead and still foreclosed on our home while under review. 

Prior to XX/XX/XXXX we had made multiple payments to PHH and brought the loan current leaving no balance owed ( I have attached the Proof of payments Paid to PHH ) but PHH refused to apply the funds to the account and failed to stop the foreclosure. 



After the foreclosure we have been in communication with PHH, XXXX XXXX and their Attorneys XXXX Trustee- The Trustee XXXX has not been helpful and they have stated there job has been completed and for all future communication to reach out to PHH , when we call PHH there is no SPOC assigned and are not able to give us any information, we have tried numerous time to talk with the REO department, Loss Mitigation and have even escalated the issue to a Supervisor with no luck. This loan is a 6 Month redemption period, and the time frame expires XX/XX/XXXX. 



PHH is in violations of Dual Tracking laws of Foreclosure, Negligence and Failure to perform while an account is in active Loss Mitigation review and while they have been accepting payments to the account. 



We hope to have the foreclosure rescinded back to our name so we can continue to work with PHH to resolve this issue. As well if we can get a SPOC assigned to this case, the problem when dealing with PHH we where only able to talk with agents in XXXX that are not licensed and do not understand my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: STATE BANKSHARES, INC.
State: AZ

Complaint narrative:
XX/XX/XXXX ( phone call ) -I was told there was a $ XXXX contingency and there was none.

XXXX ( email ) -I reported the concerns of unlicensed contractors during our build, and they washed their hands of it. 

Builder sought over $ XXXX at reconciliation ; claiming he wasnt paid for the land, and I owed him $ XXXX out of pocket. Many of these discrepancies werent rectified until I provided the accounting showing the inaccuracies, receipts payable, and credits not disclosed. 

The contract states, " Your contract contains a provision that all change orders were to be paid at the time of the change order signing. '' This was done with proof of record. If not, or the funds weren't available, Bell Bank should not have released the funds for such. Therefore, giving me ( the borrower ) the option to pay the builder out of pocket or not approve the change order. 

I did not receive inspection reports until I asked for them at final reconciliation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: NC

Complaint narrative:
My current employer, a XXXX XXXX company, has our travel/expense cards through US Bank XXXX I have one card through the bank. Because of this and my experience, I decided to my personal banking over to US Bank. I opened two accounts to start, with small deposit amounts of {$25.00}. Since that time, each and every day my account access becomes unlocked and then locked. I am being told it is a security measure glitch. I have been aplogoized to many times. In the two weeks since I did this, I have been unable to access my funds. Now the funds are small ( Thank God I didn't move my direct deposit over ), it is more about the principle of things. I have spent hours on the phone multiple times to straighten this out with the bank to no avail. 

At this point I simply want to my money back via XXXX today, and some form of good faith compensation. I am tired of this process and I am very frustrated. Can you help? No one else seems to be able to do so.

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 2023-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
We are refinancing with XXXX XXXX and they we owe XXXX to Wells Fargo for unpaid interest for loan modification and no one from Wells Fargo will get back to me.

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 2023-05-12 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: MO

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mountain Land Collections, Inc.
State: WY

Complaint narrative:
I received a letter from Mountain Land Collections, LLC from XXXX XXXX, UT stating it was a collection agency and I owed money for an ER visit that I knew I had already paid off. This company sent a very legitimate-looking letter and has a website set up to take payments. I called the hospital directly and they confirmed that this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This company is listing old and inaccurate information. there has been no credit report sent to me since I submitted a dispute in the past few months. it has been past 30 days without any actual updates.

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 2023-05-12 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: GA

Complaint narrative:
Ive submitted several disputes and have not been responded to and it been 3 months

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Through a promotion of XXXX, I was matched with a Capital One XXXX card, which I then applied for and received. One of the benefits promised was supposed to be no annual fee for the first year and {$95.00} a year thereafter. The day I received the physical credit card there was a {$95.00} charge for an annual fee on the account. I called Capital One and after 20 minutes on the phone the best they could do was tell me that my complaint should be taken to XXXX. So I called XXXX and spoke to an offshore help line. After 20 minutes with them, a supervisor came on the line to tell me that since they hadnt charged me anything i should take my complaint to Capital One, and then he hung up on me at which point I heard a recording say thank you for calling XXXX. I will continue to follow up with Capital One another day, as Im not willing to give it another 40 minutes today, but I wanted to formalize a complaint as I smell a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
On XX/XX/12 a service company I was working with offered to finance the cost of the service through GreenSky. Unknown to me at the time, the vendor submitted my information to Greensky and had ben directed to acknowledge legal statements on my behalf. This resulted in an approved appliation for which I had not been provided the terms. At the same time I was being asked to accept and agree to the loan terms. 

On contacting Greensky I reached a person who directed me to click on the loan acceptance link in their email without providing the loan agreement for me to review. When I pointed out that the text of their email and the information on their website both state that taking the action of clicking on the 'Acitvate Your Loan ' as he was directing me to do, has the effect, according to their documentation, of accpeting the terms of the loan. The agent begam beligerant when I pointed this out and stated that I was not listening to him ; asking me to trust his word over the printed terms. Furthermore, he refused to allow me to speak to a supervisor, and disconnected the call when I insisted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: MO

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
My bankruptcy record that Lexis Nexis hold Has another name, not belonging to me or my wife. The name XXXX XXXX XXXX does not belong to me or my wife on the joint bankruptcy I am only disputing the inaccurate information of having another name that does not belong to me XXXX XXXX or my wife XXXX XXXX. I asked that the files to be removed for having an accuracy not because its not belong to me. Under the fair credit act law if a file hold accurate information such as our names it must me removed!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
I tried to work out a payment plan with Credit Acceptance but they wouldn't help me and they repossed my vehicle. Now I have a higher balance to pay if I want my vehicle back and I have to drive over 3 hours one way just to get it. I tried to work something out with them before it was repossed but they wouldn't help me and they came to my house and took my vehicle without me knowing it. I don't know if they wrecked my vehicle when it was loaded or not. But they wouldn't help me so I could keep my vehicle and get back on track with payments. They are sometimes rude on the phone when talking to them. I wanted to keep my vehicle but Credit Acceptance wouldn't work with me.

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 2023-05-12 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: MI

Complaint narrative:
15 U.S.eeC 1681 Sectiqn 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ive never lived at these addresses, someones been using my identity XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX  Account Number:XXXX Account name : XXXX XXXX XXXX Account NumberXXXX Account name : XXXX Account Number:XXXX Account name : XXXX XXXX Account NumberXXXX Account name : XXXX XXXX Account NumberXXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: MI

Complaint narrative:
IT IS INFORMATION ON CREDIT FILE THAT DOES NOT BELONG TO ME I HAVE NOT GIVEN MY INFORMATION TO ANYONE FOR THESE ACCOUNTS I DID NOT RECIEVE ANYTHING FOR THESE ACCOUTS IT IS ADDRESSES AND INQUIRIES AS WELL. I HAVE FILED ALL OF THE REPORTS WITH THE POLICE AGENCY AND FTC. ALL THE ACCOUNTS THAT NEED TO BE REMOVED ARE AS FOLLOWS STATE OF MI CHILD SUPPORT XXXX XX/XX/XXXX XXXX STATE OF MI CHILD SUPPORT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd

Complaint narrative:
hello my name is XXXX XXXX XXXX I had an account with Transfer wise bank a few days ago I made an account all the verification has completed but recently for some of my personal work I used a XXXX for the XXXX to change in XXXX suddenly they deactivate my account they need my national id passport and my selfie with documents I submitted all the documents they required but after wise team review my case may take a decision to keep my account closed without any reason so I req yo that please activate my account thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT IT IS A NEW COMPLAINT AGAINST THE SAME COMPANY DUE TO FRAUDULENT GOUGING OF AND ADDITIONAL {$1000.00} IN A MONTH 'S TIME AND NOT EVER SENDING ME A LETTER WITH THE INFORMATION OF WHO THE THIRD-PARTY COLLECTOR IS THAT HAS THE LOAN AND MY TITLE THAT THEY CHARGED THE LOAN OFF AND SOLD IT TO!!! My payoff on my Honda XXXX XXXX XXXX XXXX  was quoted to me at the bank when I was trying to refinance at the beginning of XXXX XXXX at {$4800.00}, now saying it is {$5800.00}, that is an increase of over {$1000.00} in less than a month!!!!!!!! THIS IS FRAUD!!!!! What are you going to do about it as a government regulator??? I am also going to pass this on to the FTC and my lawyers!!! I am not paying a XXXX XXXX until they lower my balance back to what it was a month ago and if they don't, I will file a lawsuit and get my title!!!!!! They also did not even send a letter to me showing who the third-party collection agency they charged it off to is, another breach of the FDCPA I can sue them for too!! 
Principal : {$5500.00} NSF Fee : {$50.00} Late Charges : {$170.00} Interest : {$46.00} Balance : {$5800.00} XXXX THEY SAID THEY CHARGED OFF!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
In XXXX, XXXX, upon receiving a notice of change ( an increase ) of escrow payment amount from Mr. Cooper ( that purchased the mortgage from XXXX XXXX XXXX ) due to an increase in homeowner 's property insurance premium, we contacted XXXX, our homeowner 's insurance carrier. XXXX corrected the premium, lowering it by some {$600.00}. We notified Mr. Cooper by phone and via email ( we sent a new Declaration from XXXX ) of the change in premium on XX/XX/XXXX, and Mr. Cooper acknowledged receipt by email on XX/XX/XXXX. This change would have lowered our monthly mortgage payment by about {$50.00} per month. 

In contravention of our request, Mr. Cooper paid the incorrect amount on or about XX/XX/2023 to XXXX ( some 30 days after being made aware of the correct amount ), and has continued to refuse to correct both our escrow and our monthly mortgage payment. 

Three protracted telephone calls with Mr. Cooper 's employees have not resulted in a correction of the problem, and clearly paying the incorrect amount was done in blatant contravention of accepted practice and procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: NJ

Complaint narrative:
Transunion is reporting a bankruptcy on my credit report, and I've disputed it many times with them. Each time they come back and tell me its verified through either the Bankruptcy court or XXXX. However, pursuit to the FCRA, this is inaccurate reporting. I contacted the court, and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore, the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a XXXX XXXX XXXX XXXX XXXXXXXX XXXX Veteran, and California resident, that has become extremely frustrated at not being able to obtain my ( 3 ) credit reports and FICO scores since XX/XX/2023. 

Attempts to call XXXX has taken endless hours of being transferred to a XXXX call center and as of today, XX/XX/2023 I still do not have access to my files. I have been transferred around the globe when speaking with XXXX and can not even speak with an executive in the USA. 

I am met with the same frustrations with XXXX and Experian and I am tired of the long call times, outsourcing of my credit files to other countries and not being able to review my credit reports and FICO scores. 

The runaround is clearly XXXX abuse.

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