vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
My previous mortgage loan was with PHH Mortgage. My last payment with PHH Mortgage was XXXX XXXX. 
From XX/XX/XXXX to XX/XX/XXXX : I was on a Hardship Assistance Plan due to Hurricane IDA. I was told by PHH Mortgage Rep the late payments would not affect my credit. 
XX/XX/XXXX : my home went on the market to be sold. PHH Mortgage Rep to me I did not have to pay the mortgage because I was in the process of selling the home with potential buyers. 
XX/XX/XXXX : PHH Mortgage sold my loan to XXXX another mortgage servicing company. PHH Rep assured me all info regarding my hardship and home selling would be transferred to XXXX, which never happened according to XXXX. 
XXXX, XXXX : My home was sold and loan paid in full. 
Currently the Credit Bureau is getting reports of late payments from XXXX XX/XX/XXXX the months of my hardship and XX/XX/XXXX the month I sold the home. 
I tried to send in a dispute to PHH Mortgage but getting the run around or wrong info to reach anyone. XXXX told me it was an PHH Mortgage issue This error has damaged my credit significantly. Please help resolve this issue with both companies. 
Thanking you in Advance, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX IS REPORTING THIS MEDICAL DEBT IN THE AMONT OF XXXX SHOWING OPENED WITH DIFFERENT DATES. THE LATEST IS DATE OPEN ON XXXX XXXX. XX/XX/XXXX. THEY FIRST REPORT IT AS DEBT COLLECTION WITH AN OPEN DATE OF XX/XX/XXXX. I HAVE TRIED TO EXPLAIN THAT THIS WAS A DISASTER SITUATION WHEN THE PANDEMIC HIT XXXX I WAS XXXX IN THE HOSPITAL WITH XXXX WHICH BY THE WAY WASS THE WORST EXPERIENCE OF MY LIFE AND ALL THESE BILLS WERE SUPPOSED TO BE COVERED BY THE HEALTH INSURANCE I HAD AT THAT TIME. I HAVE REPORTED AND DISPUTED IT WITH THE CREDIT BURRUE BUT THIS ACENCY KEEPS REPORTING TO 3 CREDIT BURRUE AS WELL. THIS WAS DECLARED A FEDERAL DISASTER. I HAVE TRIED TO HAVE IT REMOVED FROM MY CREDIT REPORTS AND HAS BEEN UNSUCCESSFUL. I DON'T KNOW WHAT ELSE I NEED TO DO TO HAVE THIS REMOVED AND STOP IT FROM RUINING MY CREDIT.

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 2022-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/XXXX I opened a Citi regular checking account. I opened this account in response to an offer Citi had emailed to me on XX/XX/XXXX by clicking on the " see offer details '' button in the email and then signing up online on the Citibank website that clicking this button lead me to. You will find a PDF of this offer attached. 

The offer clearly states that a promotional bonus of {$400.00} will be deposited into this new checking account if {$15000.00} or more is deposited into the account within 20 days of opening and if that balance is maintained after opening for an additional 60 consecutive days. 

On XX/XX/XXXX I deposited {$15000.00} into my new Citi regular checking account. I maintained a minimum balance of at least {$15000.00} dollars in this new account until XX/XX/XXXX. This is XXXX consecutive days. This fulfils the terms of the agreement I entered into with Citibank and thus requires them to deposit the {$400.00} bonus into my Citi regular checking account which is still open. 

I have called the company at least 12 times regarding this problem. I have been told by multiple representatives that I have fulfilled all terms of the agreement, that they see the promotion attached to the account, and that all I needed to do is wait and the money will be deposited into my account. I have emailed once and faxed 3 times the same attached email offer submitted here to the CFPB to the Citi Promotions Team in a fruitless attempt to fix this situation. I can not devote any more time trying to convince Citibank to live up to the terms of the offer that I accepted from them for this checking account, and thus am seeking the CFPB 's help in 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 monetary relief
Consumer complaint received 2022-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monterey Financial Services LLC
State: NC

Complaint narrative:
I spoke with a representative around XXXX and asked that they only contact me via mail with the address they have on file for me. I have blocked the number they were previously calling me from and they continue to call me from Unknown numbers. The most recent voicemail I have from them is dated XX/XX/2022 from XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I paid off my student loans in XXXX The lender then sold my loan, went out of business, and my loan was sold 3 more times. All while interest upon interest has been adding up for the interim XXXX years at a 9 % rate. I have escalated this matter to the XXXX services, to no good end and am getting ready to send a package to the Dept of Education. XXXX is incorrectly reporting this information as well. I am unable to get a mortgage loan with this {$110000.00} debt on my credit and beseech you to help me clear this debt off, once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I had a friend to send the company a bonded promissory note to pay off my mortgage. The company said they couldn't accept it, but refused to return it. This was in XXXX. They foreclosed on my home, even though they had the payment. We learned, about a week ago, that the company, Wells Fargo has been trading the bonded promissory note for all these years and earning money from it, but never used any of the proceeds to pay off my mortgage, nor did they send any earnings to my friend. This is wrongful foreclosure. I, myself, also sent them a promissory note in XXXX which they kept as well. They have been paid several times over, but still are trying to have the Sheriff to put me and my wife out of our home. My friend sent the bonded promissory note by registered mail. We have also learned that Wells Fargo is also trading the registered mail label account number, which my friend had already claimed as collateral on a XXXX Financing Statement before it was used for the mailing. They have not forwarded any earning to her for that, either.

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 2022-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
The Issue : On XX/XX/2022, I just made a purchase in XXXX XXXX XXXX XXXX at XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX at which a notification from Chime alerted me on XX/XX/2022, at XXXX, asking me if I was trying to use my card at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I responded No ( see attached photo ) because I clearly just used my card for a purchase in XXXX XXXX XXXX prior to this fraudulent attempt. Then on XX/XX/2022, at XXXX pm, I received a notification from Chime that a successful ATM withdrawal was made for {$400.00} at XXXX XXXX XXXX XXXX, XXXX XXXX California which I did not make. Immediately after, there were two more fraudulent withdrawal attempts for {$400.00} and another for {$100.00} that was successfully blocked. I would also like to note that this fraudulent withdrawal was made when I had full possession of my debit card with me at my home in XXXX XXXX. I have also been a loyal Chime member for over XXXX years and have never used an ATM on XXXX XXXX XXXX once. 

I called Chime to immediately report the fraudulent {$400.00} withdrawal on XX/XX/2022, and they disputed the claim and stated that they have " concluded that there is no error ''. I called Chime immediately after this determination and appealed the claim. I provided them with screen shots, time stamps, etc. and they once again " concluded that there is no error '', and this was " investigation '' was determined in a matter of hours. 
I called again this morning XX/XX/2022 at XXXX and spoke with the Chime manager XXXX XXXX and requested the documentations that states how these decisions were made and he was of no help to further settle this issue. When asking XXXX if he can please read the e-mail statement that included proof about my claim, he lied and said that he did not have access at the moment, until I threatened him that I was going to contact legal authorities, he then was able to access and read my statement to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I applied for a mortgage loan. I was told my score did not qualify. I challenge the creditors and was told I had to deal with the credit bureaus. I had to have a certain score!

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 2022-05-26 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: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: TX

Complaint narrative:
Collector is : Castle Credit Company Holding XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX : I am writing concerning an account I co-signed on with my stepfather and how you are reporting this account. This was done back in XXXX. My stepfather per my credit report did not pay on this account since XX/XX/XXXX. This home was sold and a new owner in XX/XX/XXXX so I am not sure how this account was not settled and why it is still reporting open and active under my credit with 120 days late payments for the last 5 years.

I have been harassed for the last five years by this company, they call my cell phone, place of work and have been told on numerous occasions that my place of employment is not a place I may be contacted at, as I am not an office employee and have no access to speak on the phone with anyone. 

I have tried to talk to them to fix the way they report this but instead continue to report inaccurately. The only way they are willing to close this account and report correctly per my phone conversations with them, are if I pay the full amount owed by my step father. They continue to threaten to report inaccurately until I pay a balance that was settled when the home was sold, they have also refused to give me further account information unless I provide a payment. 

I need help settling this and would like for this to report accurately on all three credit bureaus. What is being done to me is illegal and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: PENTAGON FEDERAL CREDIT UNION
State: DC

Complaint narrative:
Credit company did not respond in a timely manner set written information they have no less than 14 days to respond

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 2022-05-26 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: CITIBANK, N.A.
State: DC

Complaint narrative:
This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election, or waiver of status.

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 2022-05-26 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I applied for a mortgage loan. I was told my score did not qualify. I challenge the creditors and was told I had to deal with the credit bureaus. I had to have a certain score!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
I have not owned the property that this mortgage was attached to in XXXX of 2019. The property with the mortgage in question was sold at a judicial tax sale. The tax sale was held and administered by the XXXX XXXX XXXX XXXX XXXX. Once the property sold at the tax sale, the lienholder continued to pursue me for the debt. 

I have spoken with them countless times on this matter. I have made no progress. They have continued to report negatively to the major credit bureaus. I do not know what else to do. 

The Mortgage company is SPS Loan Servicing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fidelity National Financial, Inc
State: FL

Complaint narrative:
My wife and I closed on a cash our refinance of our primary home on XX/XX/2022 with Fidelity National Title for a cash out amount of just over XXXX. At the time of closing we were told that we had a 3 day right to rescind because this is our primary home and the home was paid off so the funding date would be XX/XX/2022. The title company told me that the transaction was to be completed in full on the XXXX  but that did not happen. I contacted the title company today XX/XX/2022 to get an update on where the fund were and the receptionist I spoke with told me that he could see a request had been made but there was no confirmation. He called me back an hour later and told me that they now had confirmation and the funds should be available later today. I have worked in the financial industry for some time and know how the process works with funding of mortgages and the process was not followed in this instance as the XXXX cut off was missed, an extension was not granted or completed in allotted time, and I was not alerted to any issues that had come up. I know there are many companies in the industry that toe the line to ensure profits are as high as possible but had I not reached out to them there is no telling how long they may have taken to process the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: PA

Complaint narrative:
I have contacted the three major credit reporting agencies regarding an account listed on my consumer credit file for XXXX XXXX XXXX, which is listed as a medical collection account. I have never opened an account with this firm, they have fraudulently placed this account on my credit file and this is a direct violation of federal law- the HIPPA law. I gave the company and the XXXX ample opportunity to remove this account and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: NY

Complaint narrative:
I was a victim of fraud and they refuse to remove false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: PA

Complaint narrative:
I have reached out to the credit reporting agencies multiple time about the XXXX XXXX XXXX XXXX being on my credit report. I stated clearly where fraud and breach of contract occurred from the onset of the contract. I also stated my issues with the repossession, I was never notified of the disclosures that were to be supplied to me in accordance with UCC 9 and the unlawful late payments placed in my file, which is in violation to 15 USC 1666B, nothing was done and this account is still showing up on my report. I contacted XXXX XXXX as well and the only follow I received was letter from someone at the company stating they were not responding and they deny every thing I brought up to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: On The Barrelhead, LLC
State: MA

Complaint narrative:
This company and it's affiliates are running deceptive advertising on social media platforms. They are claiming Congress approved a new program offering {$50000.00} deposits to anyone. At no time does the ad state it is for a high-interest personal loan. The company runs many advertisements with fake, XXXX  news articles from XXXX XXXX and XXXX. 

The ads appear to be run by On the Barrelhead, Inc. d/b/a PersonalLoanPro XXXX # XXXX. 


The transcript of an example deceptive ad follows ( original video is attached ) " This is being covered up by XXXX buying XXXX. 

Congress was just on the news announcing this new program that's giving Americans over the age of 21 up to {$50000.00}. 

You don't need any credit history, or bank requirements at all to get your deposit. 

The best part is anybody can do this online and it only takes a few minutes, all you have to do is let them know why you need the money, how much money you need, and just like that you can see how much '' - This is not being " covered up '' by XXXX buying XXXX - Neither congress nor any government official was " just on the news '' announcing such a program - Credit history AND banking is required to obtain a loan and get the deposit - Anyone can not do this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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 have contacted the three major credit reporting agencies regarding an account listed on my consumer credit file for XXXX XXXX XXXX, which is listed as a medical collection account. I have never opened an account with this firm, they have fraudulently placed this account on my credit file and this is a direct violation of federal law- the HIPPA law. I gave the company and the CRAs ample opportunity to remove this account and they refused.

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