vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
This complaint is in reference to PHH Mortgage handling of escrow account funds ; including the failure to adhere to the Maryland Code Commercial Law XXXX Interest on escrow accounts as well as the mishandling of Maryland XXXX XXXX XXXX XXXX to PHH ( due to tax credits ) on XX/XX/XXXX. 
XX/XX/XXXX - Annual escrow statement [ Attachment 1 ] Reveal escrow shortage of {$230.00} with a new mortgage payment in XXXX of {$1400.00}. I utilized Option 1 ) Do Nothing and added 12 months of {$19.00} that began in XX/XX/XXXX. Document supported no evidence of adherence to Maryland Code ; interest on escrow account XX/XX/XXXX XXXX disbursed remaining balance of tax assessment - {$1600.00} [ A ] XX/XX/XXXX The taxes paid on XX/XX/XXXX were refunded in its entirety {$1600.00} [ B ] due to MD Maryland XXXX tax credit program. 
XX/XX/XXXX Called XXXX XXXX. to inquire of the refunded escrow dollars and was advised that an additional escrow analysis was required. See OFF-Scheduled Escrow statement dated XX/XX/XXXX. This document also does not include evidence of adherence to the Maryland code. However, a refund was issued to me in the amount of {$1400.00} [ C ]. However this refund was NOT received until XX/XX/XXXX. This was ( XXXX ) days are they received the refund. 
On numerous occasions I have inquired as to my escrow account and why this account was not eligible for the accrued interest along with supporting documented law that suggest this action. See attachments for evidence of previous request along with their response letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: MA

Complaint narrative:
I received an email on XX/XX/XXXX from US bank stating that they had received my application for a US Bank shopper cash rewards visa signature card which I never applied for. That same day I received an email from my bank that there had been an inquiry into my credit report. I called US Bank the following day to report this and was told that the specific department I needed wasnt open and to call back. I called back on XX/XX/XXXX and was told that the application would be cancelled and my credit would be restored. Today, XX/XX/XXXX, I received the credit card, which I was told was cancelled. I called US Bank and the first person I spoke to said that the account was under investigation but not cancelled. She escalated me to a supervisor XXXX who assured me that it was cancelled and that I should be receiving a letter confirming this. I have spent hours of time dealing with this and my credit score has suffered. I still do not have written confirmation that this has been settled and I get a different answer from everyone I speak to at US Bank.

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 2022-12-30 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:
Please update my address to : XXXX XXXX XXXX XXXX CO XXXX. Please update my name to : XXXX XXXX, My only social security number is : XXXX and my only and correct date of birth is : XX/XX/1974 I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Please update my address to : XXXX XXXX XXXX XXXX CO XXXX. Please update my name to : XXXX XXXX, My only social security number is : XXXX and my only and correct date of birth is : XX/XX/1974 I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2022-12-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NE

Complaint narrative:
XXXX charged my mortgage company more than {$7000.00} for my homeowner insurance premium and has collected over {$14000.00} in the past 2 years regarding such. In XXXX, i was paying only XXXX XXXX yearly for this XXXX home in Nebraska. I purchased this home in XXXX for {$89000.00} at a fix rate. In XXXX during and after COVID. Currently my monthly payments have increased to {$1900.00}, nearly tripling despite the average cost for premium home insurance in Nebraska on a {$250000.00} home is less than {$2500.00} yearly. I'm now facing foreclosure because of this. 

As a result, my mortgage company XXXX XXXXXXXX XXXX XXXX has sent me a " Promissory Note '' package that partially includes the more that {$14000.00} dollars they paid XXXX for homeowner premium insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I disputed ~ {$10000.00} in unauthorized charges in XXXX of 2022 ( hacked through XXXX ). CitiBank cancelled the card I was using and sent a replacement ( per their standard process ). The dispute investigations were not thorough at all and I have been working with Citi to address this issue ( its obvious that the transactions didnt come from me but CitiBank is forcing me to prove these obvious things to them one at a time ). Its easier for the hackers to use my card than it is for me to use it. 

This week, when I looked at my online statement, my card has been hacked again by XXXX because CitiCard gave them the new card information, without my authorization. The hackers appear to be the only people that can use my card ; I sure cant. When I tried to close the account, I was told if I close it the disputes will also be closed. 

I have request through CitiBank and now through this agency : a report showing my undisputed balance and closure of my account. I will pay what I owe but dont plan to pay XXXX cent more. 

The treatment I am receiving from CitiBank is deplorable and completely unacceptable. I have been their customer for 25 years but will never do business with them again.

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 2022-12-30 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: IL

Complaint narrative:
I disputed fraudulent accounts on my report and addresses that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
On XX/XX/2022, I sent First Federal Credit Control a certified letter requesting debt validation on an alleged debt they added to my credit reports without sending me a dunning letter. They ignored my request and continue to report this alleged debt to the credit reporting agencies. 

I am demanding that they delete this account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: NY

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Williams & Fudge, Inc
State: IN

Complaint narrative:
I have told williams and fudge to quit contacting me looking for my daughter on 3 different occasions. They continue harassing me on my home phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX XXXX  ( XXXX XXXX XXXX had a line item that said " XXXX XXXX paid to XXXX XXXX '' in the amt of {$7100.00}. 
This amt is money I paid in " soft costs '' before I ever applied for a loan. 
I have had NUMEROUS emails with US Bank and absolutely no resolution. They admitted to making an error, but want to deduct this amount from my budget of {$330000.00} or they said I could bring in a check for that amount. 
I let them know this {$7100.00} is not a part of the budget and to take it from the budget is shorting me. 
I was never given any breakdown of the " soft costs '' amount that they arrived at. I actually have another {$8000.00} + in soft costs they completely ignored. 
Now each time my XXXX submits a draw, they hold it up over the resolution of this matter.

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 2022-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Repeating attempted to refinance with Wells and they turned me down. I think it occurred because I was a XXXX, XXXX XXXX I eventually tried with another company and I was approved immediately at a low interest rate. 

I think I was denied due to XXXX XXXX XXXX XXXX. I am not a male which I believe contributed to the multiple denials.

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 2022-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On XX/XX/2022 I received an email through my school email account saying that a professor was offering a research assistant position that would pay {$300.00} weekly. The email said to text the number they provided if I was interested. I texted the number and they asked for my resume and to research certain office supplies. They sent me the list of the office supplies through the professor 's email ( phished ) and told me to create a XXXX form and send it back to them. I sent them the XXXX form and they asked me to check my email for the payroll. I received another email from an individual who works at my school regarding a check. The email told me to print out and deposit the check. Then the scammer texted me asking to send them {$500.00} through XXXX  and that I would be reimbursed the next day. Reluctantly, I sent them the money after speaking to them on the phone and them saying that they will send it the following day. The following day, I looked to see that the check hadn't been processed and was on hold. So I emailed the person who sent it to me and they told me that it was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: NY

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The Credit Bureaus stated that my account was properly investigated but how is that possible if Date Of Last Activity, Date Opened, Account Status, and Dispute Status are INACCURATE. This is grounds for REMOVAL. 
They also violated my rights under FCRA Section 623 ( a ) ( 1 ) ( C ) says that you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate.

FDCPA 807 ( 8 ) - Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

FCRA Section 605 ( c ) - " Re-Age '' your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer.

They also took well over 30 days to investigate and respond to my written disputes within 30 days which violates FCRA Section 611 Part ( A ) ( 1 ) My certified tracking number for Transunion ( Delivered on XX/XX/2022 ) is XXXX. My certified XXXX ( Delivered on XX/XX/2022 ) tracking number is XXXX and my XXXX ( Delivered on XX/XX/2022 ) tracking number is XXXX. 

XXXX. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

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 2022-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX is reporting to XXXX, XXXX, and Transunion in which each bureau or company has erroneous, inaccurate and misleading information on my credit report. The High balance of this account is inaccurate and erroneous. This account is completely misleading, incorrect and is violating 15 USC 1681 a, 1, 2, 3, and 4. Furthermore, the account should be deleted. The High balance amount of XXXX  is {$0.00} therefore the balance should be XXXX if thats the case and the balance fluctuated in dollar amount as well!. The High balance amount of transunion is {$1300.00}. The High balance of XXXX is non-existent which is very misleading. I have disputed these erroneous accounts with each credit bureau for over 90 days with no relief to be had. Please delete this account.

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 2022-12-30 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: MS

Complaint narrative:
XXXX XXXX XXXX is reporting to XXXX, equifax, and XXXX in which each bureau or company has erroneous, inaccurate and misleading information on my credit report. The High balance of this account is inaccurate and erroneous. This account is completely misleading, incorrect and is violating 15 USC 1681 a, 1, 2, 3, and 4. Furthermore, the account should be deleted. The High balance amount of XXXX  is {$0.00} therefore the balance should be XXXX if thats the case and the balance fluctuated in dollar amount as well!. The High balance amount of XXXX  is {$1300.00}. The High balance of equifax is non-existent which is very misleading. I have disputed these erroneous accounts with each credit bureau for over 90 days with no relief to be had. Please delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: IL

Complaint narrative:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX, My only social security number is : XXXX and my only and correct date of birth is : XX/XX/1990 I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX, My only social security number is : XXXX and my only and correct date of birth is : XX/XX/1990 I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2022-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
This XXXX on my credit report must be removed as for the fair credit reporting act and the creditors are not required to report anything to the credit reporting agencies! So why is there any XXXX reporting on my credit report that is reported to this credit reporting agencies. This is clearly an error on your part as a credit reporting agency reporting a XXXX  Send me all your data about where you gathered this 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 2022-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation