vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
This account was paid off in full on XX/XX/XXXX by refinancing the property with a new XXXX XXXX Deed ( ref attached payoff demand, wire transfer confirmation and recorded XXXX Deed of Trust ). 

The payoff demand included several items of overpayment which PHH has not refunded to borrower XXXX XXXX XXXX. 

The first item consists of three days interest at {$62.00} per day for a total of {$180.00}. The payoff demand was for interest through XX/XX/XXXX but the actual payoff was made on XX/XX/XXXX. 

The second item consists of charges from pursuing a fraudulent foreclosure action after the loan was paid off. These charges total {$2900.00}. 

The third item is for flood insurance premiums paid through the PHH escrow account for 14 months of coverage after the loan was paid off on XX/XX/XXXX. The attachment titled PHH escrow account summary shows a payment of {$920.00} for the period of XX/XX/XXXX through XX/XX/XXXX. 

In addition, XXXX months premiums ( {$150.00} ) from the policy providing coverage for the period from XX/XX/XXXX through XX/XX/XXXX should be refunded since the mortgage account was closed out two months prior to the expiration date of that policy.

Also attached is a copy of the payoff demand made by PHH on XX/XX/XXXX in the amount of {$490000.00}, almost XXXX months after the loan was paid off. At that point, I retained an attorney to get the fraudulent Trustees Sale cancelled. PHH finally cancelled this sale on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following accounts that on my credit report are a violation of my rights : XXXX XXXX XXXXXXXX, Acct # XXXX ( reporting to equifax ) XXXX XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX, Acct # XXXX ( reporting to equifax ) XXXX, Acct # XXXXXXX ( reporting to XXXX ) XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX, Acct # XXXX ( reporting to equifax ) XXXX XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX  ( reporting to equifax ) XXXX XXXX XXXX, Acct # XXXX  ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX  ( reporting to XXXX ) 15 U.S.C 1681 section 602 A. States I have the right to privacy and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish a account without my written instructions. I am requesting that these accounts be removed from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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: FL

Complaint narrative:
In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX account beginning with XXXX have violated my rights. 
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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-06-12 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: FL

Complaint narrative:
In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX account beginning with XXXX have violated my rights. 
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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Started in middle 1970s. I have tried working with the bank for 3 years. It may have to do with a personal unsecured loan that I obtained for emergencies back in the 70S other than me has been using the card for several purchases and using my bank account to make minimum payments. I believe it was identity and bank fraud. Someone obtained a chase card in my name through identity theft. The purchases were paid for through auto withdrawals from my bank account. I discovered it and had the automatic withdrawals shut down. Now I am being harassed to settle the account and they are refusing to help me get to the bottom of the identity theft and fraud charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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: TN

Complaint narrative:
On XXXX XXXX my credit score went up on XXXX XXXX points from XXXX to XXXX and on XXXX XXXX my Equifax score went up XXXX points from XXXX on XX/XX/XXXX XXXX to XXXX on XXXX XXXX then my equifax score went down XXXX points on XXXX XXXX from XXXX to XXXX on XXXX XXXX no change then on XXXX XXXX my Equifax went down XXXX points to XXXX but it said they found no changes to my report on XX/XX/XXXX XXXX but on XXXX XXXX XXXX XXXX emailed and stated XXXX did a hard pull for XXXX XXXX which is now apart of XXXX XXXX  on my credit report they said XXXX was in the process of removing the hard pull from my credit and fixing the related impact to my score XXXX did remove the inquiry but they didn't restore my credit score back to where it was my score dropped XXXX points on XXXX XXXX from XXXX to XXXX all this happened after the inquiry they never fixed my score they added XXXX points to my score to raise it to XXXX i would like XXXX to fix my report back to where it was and i would like Equifax to restore my score and remove the collection on there from XXXX XXXX .. they keep saying its accurate and it isnt the account was opened in XXXX but they keep saying it was opened in XX/XX/XXXX i have proof that it was opened in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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: FL

Complaint narrative:
In accordance with Fair Credit Reporting Act XXXX account beginning with XXXX, have violated my rights. 
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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-06-12 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: FL

Complaint narrative:
In accordance with Fair Credit Reporting Act XXXX account beginning with XXXX, have violated my rights. 
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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I filed the below complaint and there is still no resolution from or with Bank Of America. 

I got a call from XXXX, he left no last name, an employee of Bank of America, XXXX, left me a message and the following number, XXXX ext. XXXX. 

When I call this number I am automatically transferred to another extension. I have called this number and extension several times and as of the writing of this complaint I have not gotten a call back from XXXX. 

I have a big financial dilemma on XX/XX/XXXX and the first of the month of XXXX, when ALL of my direct deposits will be rejected, because Bank of America plans to close my last checking account on XX/XX/XXXX, one day before my Social Security benefits direct deposit. 

Also, I have been embarrassed, while with my attorney, by my debit card being denied/rejected when trying to pay for my meal, even after XXXX attempts to charge for my meal. 

Also, I have tried to use my debit card at the BofA ATM machine and all the attempts were cancelled each time. 

I know that there is no way that I can make the changes to another bank in time to get my direct deposits, therefore ALL of my deposits will be returned to the depositors. 

As a XXXX Veteran, I will have a lot of bills and payments late and causing bad reports on my credit reports. 

One of the biggest issues is that Bank Of America CAN'T explain why someone can get into my account, make UNDETECTED direct deposits, and charge almost XXXX unapproved amounts to my account. My account is has been HACKED and Bank Of America can't STOP or EXPLAIN who and how my account is HACKED. 

Immediate assistance is needed. 

Thanks In advance, 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 monetary relief
Consumer complaint received 2022-06-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: AR

Complaint narrative:
My name is XXXX XXXX I am a square user and I've used square to process payment for my XXXX XXXX business. My email address with Square is XXXX On XX/XX/XXXX, Square deactivated my account and told me I would only be able to have access to my money on XX/XX/XXXX. 

Up till now, I have not received email from Square stating that I can withdraw my money. They have stolen my Money and kept it for themselves. 

I have tried several times to resolve this issue with this company but they said that I should go to XXXX that they won't give me back my money as said by a square employee on XXXX. 

I have contacted square on XXXX and also sent email and they said they will not give me back my money. 

I want to receive an email to withdraw this money and I also need an apology from Square. I have attached a copy of email from square which they said my funds would be available from XX/XX/XXXX, but they have not honored that agreement. 

The email address associated with my Square account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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: CLGF Holdco 1, LLC
State: OK

Complaint narrative:
Between XX/XX/2022 and XX/XX/2022 XXXX fraudulent {$100.00} XXXX  charges were placed on my Indigo Platinum Mastercard in XXXX XXXX, California. ( I do not reside in or near that state nor had I traveled there ). I hadn't used that card in almost a year, and I had fully paid it off. I noticed the charges when I received a statement balance in XXXX. I contacted Indigo Master Card to report the fraudulent charges, they told me they would note my account and submit the report to the fraud department, as well as close my account. They reported the investigation could take up to two months to fully complete. 

In XXXX I noticed despite the pending fraud report, they had reported a missed payment for the charges that impacted my credit score. Customer service reported that nothing could be done on their side until the investigation cleared and to reach out to a credit bureau. 

In mid XXXX, I still had not heard from them or seen changes to my statements, so I had called service for an update and they stated that my account had never been noted. They stated that the fraud department had closed my account so the investigation must still be pending, but there was no timeline on when I could expect it to be completed. The missed payments being reported are destroying my credit score, and after reporting them to XXXX it showed only XXXX 's to be cleared, and I still have a 90 day past due balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I never have been to inphynet XXXX XXXX XXXX or any of its doctors in my life and I apparently owe them XXXX dollars I try to contact them and it is impossible no contact info. I googled them and most of their reviews say they have been scammed by them and are getting a report from their credit despite never receiving a letter email or any correspondence. I would like this removed off my credit report thank you

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 2022-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have no idea or have details on these hard inquiries. They are not mine. They are fraudulent. I can not provide unknown information. I have tried to despite with all three credit bureaus and was told they will be removed yet they are all appearing on my credit report. I never gave consent to open these accounts. These were opened without my knowledge and without my consent. I sent out letters to all credit bureaus and deputes. I was told it will get fixed and it has not been fixed. I reported these accounts and nothing is being done. I have called and followed up and I am always told the same information yet nothing gets done. The hard inquiries remain in the credit report.

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 2022-06-12 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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 2022-06-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BSI Financial Holdings, Inc.
State: NY

Complaint narrative:
Having problems from the first second this company came to us. New problem now : Company did not get transferred loan correctly, which turned into a world of problems. Had to contact CFBP and the XXXX to get an answer out of them. Loan transferred to them without knowing it, and they started sending us foreclosure letters because we were on a forbearance plan with the previous one when it was transferred. ( Even thought we went back to making payments ) An entire year goes by, and they randomly send us a loan modification. The modification did not make any sense, and was wrong. Wrong dates/ wrong amounts etc. We decided to sell our house, and we asked for the payoff ( to get away from this company, this it literally our only choice at this time ). They gave us an amount that is completely wrong. During this time we got a lot of answers for everything and there payoff manager FINALLY explained everything that happened. Once we found out ( finally ) still never actually spoke to someone because no one ever called or email until we had to go to length of contacting them through CFPB and the XXXX. They said they would no longer honor thier initial loan modification and sent us another one we a 3 % higher interest rate. We locked in an interest rate VA at 3.6 and they jacked it up to 6 % and said there wasnt anything they could do, even though they literally sent us one 1.5 months prior to that. We said we would not sign that because we should not have to pay 6 % interest rate, and everything that happened was because they had thier data incorrect and did transfer the loan correctly. There payoff manager has been the only one to communicate any of this with us, and no one else has tried to contact us. They once again just messed up our credit, by saying we were late, when we in fact are not late at all, and have making payments. If anything, we owe them the three months, but each time we get a document from them, it says a different amount of debt. It XXXXnow says we owe them XXXX yet, our mortgage is only XXXX a month. 

They need to fix our credit, and interest rate, and we are paying off the loan. I have no idea how a company of this size is allowed to do business anymore. They have messed up so many peoples credit and lives, and cant even call a consumer. 

They need to fix this immediately. Especially our credit. 

Please note I have attached the response of the " Vice President '' saying we failed to return the loan modifications. We did not even know what the modifications were and they were not correct. They did not explain anything to us, and when it was finally changed they changed the interest rate to 6 %. This is unacceptable and unethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
This about Paypal, i was sent a email that XX/XX/2022 from them that i can no longer do business with Paypal because of a violation of paypal acceptable use policy. I called them immediately and the person on the phone could not tell me why but i can not use the service. I told them you should be able to tell me and at this point i had no idea what happen. Then i get a 2nd email on XXXX XXXX that the services are limited temporary so i called again and really could not get any where. On XX/XX/XXXX i get a email of a open case because of a delay in my response to a buyer. Finally, they started saying i have a businss and selling stuff. I told them I have never owned a businsess and do not sell anything on paypal. Somebody was requesting a {$6.00} refund for something i have no idea what it was for. I told paypal that is fruad, but they do not listen or pay attention. They started sending me emails to restore my account so they wanted me to give them a temp username and password for my business and remove paypal from the site. I do not have a temp user name or password to give, cause i dont have a business. i am frustrued and angry that NO one will listen to me. I told them if some one is requesting money from me or a service prroduct that is FRAUD. So to help this ther operson that is doing FRAUD they refurnd their {$6.00}. I did tell Paypay that on XXXX XXXX that i purchsed a movie service with XXXX and I used my payplay account to pay, I inadversly submitted the payment twice because I thougth it did not go thru. That money has been refunded to my paypal balance but they will not let me get it. I asked could this be maybe the reason by account is limited but they NEVER could help at all. I keep getting a email to restore account and I keep giving the same info and nothing ever happens. I need my paypal account restored and my refund to, There are several XXXX transactions that i have no idea what that is far. No one knows anything, I did speak to a person about 2 weeks ago that was all eager to help and i did what they said and nothing happen. {$14.00} refund is for me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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