vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: OH

Complaint narrative:
I received a settlement offer from Credit Control LLC for an unpaid debt that I owed to the XXXX XXXX for a XXXX XXXX XXXX account. The total amount owed was {$2100.00}. The settlement amount offer was a XXXX time payment of {$740.00}. I paid the settlement amount in one payment. Once paid, Credit Control first argued with me and stated that they do not send letters stating that the settlement amount had been paid to the consumer, only to their client. After receiving an email regarding an account that wasn't even mine and four phone calls to a supervisor with Credit Control named XXXX XXXX I was finally emailed a letter stating that I had made the final payment. I was then contacted by XXXX that there had been an update to the account on my credit report. Upon receiving the update I was made aware that the company stated that I still owed the remaining balance on the account, even though they offered me a settlement, I paid it and was told that the account was resolved and closed.

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 2022-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On behalf of a client, I submitted a Request for Information under 12 C.F.R. 1024.36 to PHH Mortgage in XX/XX/2022 requesting a payment history, all loan modifications, and all operative loan agreements for the account. I included an authorization to request documents from PHH signed by my client. I sent this request to PHH 's designated RFI address. PHH responded with only copies of two loan modifications, but no payment history. 

I submitted a second Request for Information under 12 C.F.R. 1024.36 to PHH in XX/XX/2022 requesting a payment history on the account. I know that PHH received the RFI, because I received a return receipt for the RFI dated XX/XX/2022. PHH is required by law to respond within 30 days. However, I have still not received the requested payment history from PHH.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bridge IT, Inc.
State: KS

Complaint narrative:
So Ive been cleaning up my credit reports and I happened to notice this tradeline from BrigitXXXX XXXX XXXX there with a Closed, Paid status with 3 late payments reporting on my credit reportsthe problem is is that I NEVER had an installment loan with this company..I contacted them and they said that they deleted the account and any information pertaining to this fraudulent account, but here it is months later and its still on there for some reason. So I contacted them again and they say they have no information in their system involving an account with my credentials reporting to the credit reporting agencies, BUT THEY DO!!!! As you can see in the screen shot provided. It is reporting on my reports which is hindering my financial freedom and it needs to be rectified IMMEDIATELY.!!! Remove this fraudulent trade line from all 3 credit reports, ( XXXX, XXXX, XXXX ) or I will be forced to proceed with my legal representations advice of graying legal action against you all. Litigation will commence if this isnt rectified immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: IN

Complaint narrative:
My three requests for the XX/XX/2022 statement have not been fulfilled leading me to think a statement was not prepared at all, since I have not received it. Please either confirm that you did not generate a statement with a payment due date of XX/XX/2022 or forward the statement. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: AZ

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. Identity Theft XXXX  XXXX Bankruptcy Case Number : XXXX As A Consumer By Law This bankruptcy Must Be Removed Immediately. 
2. Identity Theft XXXX  XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 
3. Identity Theft XXXX  XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 
4. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 
5. Identity Theft XXXX  XXXX Account Number : XXXX  As A Consumer By Law This account Must Be Removed Immediately. 
6. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 
7. Identity Theft A L XXXX XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 
8. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 
9. Identity Theft XXXX Account XXXX : XXXX As A Consumer By Law This account Must Be Removed Immediately. 
10. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX 11. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, UT 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 2022-09-16 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: WA

Complaint narrative:
This is regarding the issue with XXXX  Dispute Amount of {$1200.00}. Based on a phone conversion with XXXX XXXX XXXX XXXX on XX/XX/XXXX I have decided to take the XXXX online program based on the condition that, the schedule will be convenient with my working schedule. She told me, I can only see the schedule of class once I take the course by providing the payment information. So I gave my Citi-Costco card as payment method. After some time, their XXXX site enabled me to view the Online -Live class schedule. It was not align with my work schedule. The next day ( XXXX XXXX XXXX ) I emailed the sales rep about my request to cancel the course. Because I didnt see any response, I called her and told me she will work with backend team to cancel my registration. Then next day I emailed the rep reminding again about the cancellation. Then on XX/XX/XXXX, after 2 weeks, I got a Citi Credit card alert about a {$170.00} charge from XXXX. Then I contacted XXXX and they told, 7 days cancellation period is over, but I can raise a ticket with XXXX, with the email proof and I did as he instructed. But nothing happened for 2 days. I filled a dispute on XX/XX/XXXX. Then I noticed another charge on XX/XX/XXXX of {$170.00}, which I disputed again. I called Citi Credit card and asked them to block my card from anymore transaction from XXXX and they advised me to cancel the credit card from future transactions. I cancelled the card and received new card. But after that on XX/XX/XXXX again my credit card got charged for {$1200.00}. This is this questioned dispute, which I contacted Citi again. They told me to dispute the amount. I sent all the relevant documents to Citi cards for my dispute. Now Citi came back and said they can't process the dispute, because merchant is not paying back. I did everything what Citi asked me to do from my side before the merchant making anycharge. But Citi ignored and allowed to make the charge on my card. Now saying they can't help me on reverting the charge

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 2022-09-16 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: AZ

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1.  Identity Theft XXXX  XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 2. Identity Theft XXXX  XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 3. Identity Theft XXXX Account XXXX : XXXX As A Consumer By Law This account Must Be Removed Immediately. 4. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 5. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 6. Identity Theft Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 7. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XXXX 10. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: AZ

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 1. Identity Theft XXXX XXXX XXXX Case Number : XXXX As A Consumer By Law This bankruptcy Must Be Removed Immediately. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 3. Identity Theft XXXX  XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 4. Identity Theft XXXX  XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 5. Identity Theft XXXX Account XXXX : XXXX As A Consumer By Law This account Must Be Removed Immediately. 6. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 7. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 8. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 9. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXX, XXXX 10. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, UT 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 2022-09-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Capital Recovery Systems, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX, as shown in Attachment of this complaint '', received a form from the Company alleging that Consumer owed a debt. Company violated 15 USC 1692c ( a ) - Communication in connection with debt collection. Defendant violated this code because it states in this subchapter : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Consumer did not give prior consent to company to communicate with him about any debt. Company did not receive express permission of a court of competent jurisdiction to contact Consumer about any debt. Company also violated 15 USC 1692j ( a ) - Furnishing certain deceptive forms. Company violated this code because it states in this subchapter : It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Company form that was received by Consumer is defined as a deceptive form as described in this subchapter because the said form created the false belief in the Consumer that a person is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Company finally violated 15 USC 1692e ( XXXX ). Defendant violated this code because it states in this subchapter : The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. As shown in Attachment of this complaint '', company form clearly shows the name of XXXX XXXX XXXX XXXX, which according to this subchapter is not the true name of the debt collectors business, company, or organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Yes, I still am a Wells Fargo customer. I have an open active Wells Fargo Visa Credit Card. 
I have it in my posession. I have not closed my account. Why is Wells Fargo making calls to me? A male calling me at XXXX XXXX  from XXXX and harrassing me today XXXX, XXXX  and stating, " You are not a customer of Wells Fargo XXXX '' This has to stop! I certainly am a Customer. My account was opened by me In XXXX, Oregon and I have the legal documents to provide .This is continual direct verbal attacks and harassment from Wells Fargo XXXX The call today is legally documented at XXXX minutes and XXXX seconds. 
Why am I receiving Wells Fargo advertising and emails and calls from Wells Fargo? Why is Wells Fargo sending me checks from illegal activity on my present credit card. Please explain? I have an open active account. My question to Wells Fargo is how many accounts did you open under my name without my knowledge and permission? A Wells Fargo manager in XXXX purged accounts without my permission. 
Please prove to me that I am not a customer of abuse. 
Please contact the XXXX, Arizona police and schedule an appointment for viewing of this Wells Fargo Visa credit card that I have in my profession. 
I am not a liar. 

I have established who I am to you in your banks and have the legal documents in my posession and you should have them also. I want my settlement court ordered final check. I will not be accused and abused by the Executive Wells Fargo office or other unknown people calling me directly. Please check my Wells Fargo history I have an opened XXXX XXXX and as soon as you pay up my court ordered settlement I will rid of my card. 

Please do not harrass me. I have done nothing illegal. Please note you once again have my address incorrect. You have been provided the correct mailing address numerous times. My banking account is not closed. 




LouA

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 2022-09-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Discrimination Chase had XXXX XXXX and I do two handwriting tests to see if were were forgers,. 

Never did XXXX XXXX, the notary who closed the loan, was made to do the handwriting test. Here handwriting is so distinct and pretty, there is no denying it. On the contracts she writes " mortgage '' and this is distinctly hers from the forged pages, page 16 and 17. Tere are handwritten notes she wrote to me, to get XXXX to sign the contract and initial it. He never did, he had nothing to do with my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AXOS FINANCIAL, INC.
State: VA

Complaint narrative:
I checked my account and noticed a fraudulent transfer and immediately notified my bank ( AXOS BANK ) and it took them over two weeks almost 3 weeks to tell me that " no error has occurred '' and that they are denying my claim and not even letting me appeal their decision. I am not sure what's going on but they have also lied and made up things that I have not said quoting that I told them that the other bank which my money was transferred to was going to refund me which I never ever said!!!!! It seems like they are not trying to resolve my case or look into it whatsoever and they are just trying to keep the money that was stolen from me which I do not understand. At this point AXOS BANK is just as bad as the criminals and thieves that steal money from other hard-working people. I have asked over three times to speak to a supervisor or manager and nobody has once bothered to even call me and each time I call they tell me no supervisor is available which is complete XXXX!! Customer service is literally non-existent and they act like me losing my {$350.00} is very normal which to me is kind of odd because I thought your bank was supposed to try to protect your money... not let people steal it and then tell you there's nothing wrong with that at all! I would highly suggest to stay away from this Bank unless you want them to rob you and smile in your face or let someone else rob you. I will be filing a police report against the bank itself and also about the fraudulent transfer. I am beyond DISGUSTED with this bank and I don't believe there is a worse financial institution out there!! Please never leave EVEN A XXXX of your money with this Bank unless you like having your money taken from you!! SHAME ON YOU AXOS BANK..SHAME ON YOU!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX I received two deposits in my Wells Fargo checking account, one for XXXX dollars for " CREDIT FOR FEES ASSESSED IN ERROR '' and one for XXXX cents for " PAYMENT FOR TIME WITHOUT FUNDS OWED YOU ''. At no point did Wells Fargo notify me about anything regarding these charges, not via mail, not via phone, not via email, not even via their online message system. I called and spent an hour on the phone, finally reaching their remediation team, who told me that Wells Fargo had conducted an internal review of all their transactions between XX/XX/XXXX and XX/XX/XXXX and that an error was discovered which caused them to credit my account. They could not tell me how much of my money was affected, the nature of the error that caused me to lose funds, how long my money was gone, why this error occurred, or why I wasn't notified. I asked those specific questions multiple times. Wells Fargo messed up my money, kept it for an unspecified amount of time, and then threw XXXX cents at me, hoping I wouldn't notice the issue. I want answers to my questions ; what was the error, why did the error occur, how much of my money was affected, how long was my money gone, and most importantly, WHY WASNT I NOTIFIED. If I had accidentally stolen money from a bank, it would not have ended with XXXX cents and a nonexistent apology. It's unacceptable for a bank to act this way.

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 2022-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: GA

Complaint narrative:
PNC XXXX XXXX customer service today XX/XX/2022 was very rude, unprofessional and disrespected about a text alert I received of a completed refund transaction on my account that posted today. This has been my primary bank for years, even during the pandemic. I don't understand why do I have to wait " 7 '' days to gain access to my funds, when this has never, in years happened before. I requested over 4 -5 times to speak with a Supervisor, the customer service rep, rudely cut me off and put the wait time music on, held the phone, I could hear her in the background, for over 20 minutes. Refusing to transfer me to a supervisor. I don't appreciate the rudeness just to get access to my money.

Company response to consumer: Closed with monetary relief