vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Two weeks ago they said my application for modification was declined. Now they said I just have to update all documents to be considered again for mortgage assistant program. 
They said its complete and no more documents are needed. 
I told XXXX that XXXX XXXX XXXXXXXX XXXX have two programs to help homeowners. 
one is to be default for at least 2 months prior XX/XX/XXXX. I know it's risky that I did not make a payment this XXXX which will lead to pay the XXXX. I did not make the payment for me to qualify. For the XXXX  XXXX XXXX. The PHH told me that they will not accept single payment and this time they will require the 4 months payment which is around. {$11000.00} for XXXX months. The XXXX  XXXX XXXX  have the second program that I need to be current ( PHH can defer my payment for 4 months and put it at the back of the loan and XXXX  XXXX XXXX  will pay off all the deferment made in my account which is when my family was impacted by the XXXX that cause the death of my brother and brother-in-law. I was also a victim of this XXXX twice. XXXX in XXXX and also on XXXX. My house was vandalized when I was XXXX  too. 
These program from the California was ignored by PHH and these will solve my problem if PHH will just deferred all the the default/deferment made in the account. and the XXXX XXXX XXXX  have enough money to help. Every homeowner will be given {$80000.00} to the maximum when approved. PHH is insisting to wait forr mortgage assisment program but how can I trust when they already declined it. Repayment plan will be more unaffordable they will divivde the {$11000.00} into 6 months which is reidiculus

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I Checked credit XX/XX/2023 i filed Identity with Identity Theft > GOV sent it to Equifax and i still havnt gotten any respounds from Them about removing These accounts and inquiries Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
To whom it may concern, I am writing to file a formal complaint regarding the unauthorized freeze of my personal checking account that occurred on XX/XX/year>. In this account, I have {$17000.00} dollars in my account and I am deeply concerned about the actions taken by the institution. I believe this financial institution is in violation of federal and state laws governing the protection of personal funds. 

On the aforementioned date, without any prior notification or communication, First Citizens Bank froze my personal account ( s ). This action was taken without my consent or knowledge, and it has caused significant distress and inconvenience to me.

I want to bring to your attention that under federal and state law, certain funds are exempt from garnishment. This means that regardless of any legal proceedings or creditors ' claims, specific funds are protected and can not be seized. Examples of such exempt funds include Social Security benefits, XXXX XXXX XXXX, XXXX benefits, and certain XXXX pension benefits. Additionally, there may be other exemptions under state or federal law. 

Given these legal protections, I strongly believe that the freeze imposed on my personal account ( s ) is unjustified and unlawful. I have not been convicted of any crime or found liable for any debts that would warrant such action by the bank. 



Thank you for your attention to this urgent issue. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

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 2024-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: CA

Complaint narrative:
My loan servicer is Mohela and my billing statement is supposed to go to my email but I have only gotten one bill last XXXX and nothing after that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : 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 2024-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
In XX/XX/XXXX I enrolled in a XXXX Chase credit card offer for {$300.00} statement credit and XXXX bonus miles after qualifying purchases. On XX/XX/XXXX my XXXX account was credited XXXX miles. I knew this was an issue because after qualifying purchases the amount should have come together. I called Chase and XXXX and was assured that the offer can come in pieces. I did also confirm with the Chase XXXX that I had enrolled in the correct offer, just had to wait until 60 days after the qualifying purchase for the full amount to credit. A research request was also submitted for which I received a letter XXXX weeks later stating that my offer could not be switched when of course I did not want it switched, just to get the bonus miles I had enrolled for. I have now called XXXX and Chase a total of XXXX times, each pointing the finger at the other saying it is not their responsibility. I was able to confirm that Chase is responsible for the sign on offers. I escalated a final time to a Chase Supervisor ( XXXX and XXXX XXXX who stated although they have a recorded line acknowledging the offer I signed up for, that I must have taken the wrong 'path ' when signing up for it even though I very clearly have the brochure, picture attached and certainly wouldn't make up a 'path ' for a reduced offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX XXXX XXXX Account Number : XXXX - XXXX XXXX  - Account Number : XXXX - XXXX XXXX  - Account Number : XXXX - XXXX XXXX  - Account Number : XXXX - XXXX XXXX  - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX XXXX XXXX Account Number : XXXX - XXXX XXXX  - Account Number : XXXX - XXXX XXXX  - Account Number : XXXX - XXXX XXXX  - Account Number : XXXX - XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX XXXX  - Account Number : XXXX - XXXX XXXX  - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX XXXX  - Account Number : XXXX - XXXX - Account Number : 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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Account Number : 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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

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 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I received a large direct deposit from my employer into the account for my annual bonus and my normal bi weekly pay check on XX/XX/2024. I made some large purchases and they froze my card. They did unfreeze after calling customer service and verifying my identity but on XX/XX/2024, I received an email from credit karma email address : XXXX stating that my account is locked for my protection again. I reached out to customer service several times on XX/XX/XXXX via email, chat and phone. All reps keep saying the same message : they can not inform me why my account is locked and that my account is under review by a higher department. There is no direct contact information for this department I have to wait for an email from them. 

Well today XX/XX/2024, I went to log into my account and the account was closed. I can not view my account in the app or online. Instead its prompting me to apply for a new account. I called customer service again today and was informed that the account is closed. I had {$390.00} in the account and the representative could not tell me how they plan to give me access to the money that was in my account before they closed it. The representative also could not tell me why it was closed or locked in the first place. Keep referring me to this email Im supposed to be getting from the higher department who has no direct contact information. There are hundreds of folks on XXXX experiencing this same exact issue and getting the run around from credit karma customer service. I still have not received an email from this higher department regarding account lock or closure.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I took out XXXX XXXX XXXX XXXX auto loan but somehow a credit card account was opened too. I never did this. The XXXX XXXX fraud team sent me an e-mail validating this is not my account. Please remove the reporting for the XXXX XXXX XXXX XXXX closed credit card account. It is a balance for about {$3000.00}.

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 2024-03-06 00:00:00
Product: Credit 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
XXXX - Contacted Wells Fargo to open dispute on charge dated XXXX. Was told if we could show that there was activity on my part showing that I was attempting to receive the information and/or going through other dispute processes within XXXX of me contacted them that they would process my dispute. 

XXXX - Sent documentation with dates ranging from XXXX to XXXX. Was told that I would receive an update on the process via mail Called multiple times in XXXX 2023 and told that the process was under review by XXXX XXXX. That they had reached out to the vendor and if a response wasn't received in 120 days the dispute would be found in my favor. This meant a resolution was to occur on XX/XX/XXXX based on their records. 

XXXX - Received email stating a 45 day waiting process had been triggered wtih the merchant and that we were waiting to hear back. 

XXXX - Called to confirm dispute was ended. Was told an internal error had occurred and the dispute was never processed by XXXX. 

Was informed on the phone in XXXX that my claim was denied. Never received anything in writing. 

Called to reopen requesting the reason for denial. Was told they only had documents dating to XXXX. Informed if I sent information showing my original contact was made within 120 days of the vendor or XXXX showing an update the case would be reopened. 

XXXX - Emailed information from XXXX involved in liquidation of merchant that showed the litigation wasn't going to be paid out effective XX/XX/2023. I had contacted WF in XX/XX/2023 which is within 120 days. 

XXXX - Called WF and was informed reopening the claim was denied and that the surpervisor I talked to on XXXX didn't know what they were talking about. 

I had provided the requested information immediately during this entire process and have received erroneous and incorrect information at every turn. Wells Fargo is liable for mishandling almost every communication since I contacted them originally. They need to take responsbility for the mishandling and refund the disputed 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 2024-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Problem started around XX/XX/2024 and in various amount from $ XXXX {$80.00}. I was making payments towards my Capital one credit card by using mobile app on my phone. For some reason the payment was deducted from someone else 's account and I was not aware of. I have no idea how this happened and I no knowledge how someone else banking account got tied to my mobile app when I was making the payment. Capital one credit card accused me of fraudulent and intentionally making these payments and as a result, Capital One cancelled all my credit cards!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
I don't know where this Security Credit account come from or why it is showing on my XXXX and XXXX credit report. Please assist me in getting this account removed from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief