vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
My original loan was with OCWEN who transferred ownership of my loan to PHH on XX/XX/XXXX. My ex-wife was removed from my mortgage as of XX/XX/XXXX due to reorganizing the loan and her chapter XXXX discharge along with a quitclaim. The first year and four months PHH had control of the mortgage my ex-wife was still off of the loan, but around XXXX of XXXX they started putting her name back on everything. l contacted them several times about correcting it but they didn't. I n XXXX of XXXX I filed for a mortgage modification that was approved. I made the final trial payment in XX/XX/XXXX and am still making the regular payments for the modification. However, when they sent me the final modification documents they had my ex-wife 's name back on the mortgage. I did the same thing I did with the Modification application and crossed her name out and initialed it, signed and had it notarized. I sent the modification back to PHH along with the documentation from OCWEN ( OMBUDSMAN ) showing that her name was removed and why, along with a letter and all the details and asked them to forward it to their legal department. I also sent several emails explaining this and asking them to call me or set up a phone appointment to go over it. I never got a call, but they did send me another blank copy of the modification because the first was altered. The new one still has her name on it and I would be committing fraud by signing it. I have tried my best to get this corrected on my own and do not want to file a law suit, I just want the documents fixed. I can provide you with all of the documents upon request, including almost a year and a half of correspondence with PHH, bills etc. showing only my name on all documents until XXXX of last year. I don't know why they changed it, and they won't address it, but when they bought my mortgage from OCWEN they bought all of the details with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
On XX/XX/2021, XXXX transferred funds to me to the incorrect bank account. The funds were sent in my name through trace # XXXX. The funds were placed into a USAA bank account that does not bear my name and is not associated with me. XXXX will not take any action until the funds are returned, and USAA refuses to return the funds. The amount of the transaction is {$2700.00} and were placed into account XXXX. I filed a dispute with USAA and they denied my request to send the funds back to 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 2021-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: KS

Complaint narrative:
We asked them to help us port a XXXX number over and create a family plan back in early XXXX of XXXX. They said we had to create another temporary line so they could then move an established sprint phone line to that number associated with the family line and merge. We were told middle that month, that they could not help us and wed have to call customer service. Countless hours later on hold, and they were not able to do anything. That was back in XXXX We moved to XXXX at the end of XXXX only to figure out two months later they left the second line open which I was charged for. They said they would cancel the account but I would have to pay for 1/2 the bill, even though there was zero data and usage on that line. I agreed to pay and ask for confirmation of closing. That was XX/XX/XXXX. Got another bill and called in on XX/XX/XXXX. They assured me they will cancel and to take my card on file off so I wouldnt be charged. I was told to give it 30 days to cycle through. On XX/XX/XXXX received another bill, now {$250.00} bill and they say they have no record of me asking to cancel. Received notice on XX/XX/XXXX they were sending this to a collections agency. I called and they still they can not send me confirmation of account closure. I called and waited another hour to speak with employee ID XXXX who said to wait another 3 weeks to see what the total amount charged will be so they know what to credit. For me to wait another 3 weeks is not an acceptable answer. They were going to transfer me to a manager and then they hung up. Wasted 1.5hrs of my day, total of around 4hrs speaking with XXXX and they can not give me any clear direction as to what is happening. The line should have been closed back in XXXX when I switched to XXXX. Then again on XX/XX/XXXX when I paid the last bill, but yet this continues.

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 2021-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I disputed the payment history and past-due balance with XXXX XXXX XXXX for a Visa card Id opened. After investigating, XXXX XXXX XXXX  agreed to remove the entire account balance, reopen the account and remove all 30/60/90 late pays from my credit reports. 

XXXX XXXX has indeed removed the account balance and reopened the Visa card, but my TransUnion and XXXX accounts still show the late pays. My XXXX report was corrected and now shows the account as paid on time with no late pays. 

The TransUnion and XXXX  accounts have not been corrected despite my disputing the payment history twice with each credit reporting agency. I dont know if thats the fault of the creditor or the two credit bureaus that are refusing to update my payment history.

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 2021-03-22 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I disputed the payment history and past-due balance with XXXX XXXX XXXX  for a Visa card Id opened. After investigating, XXXX XXXX XXXX agreed to remove the entire account balance, reopen the account and remove all 30/60/90 late pays from my credit reports. 

XXXX XXXX has indeed removed the account balance and reopened the XXXX card, but my XXXX  and Experian accounts still show the late pays. My XXXX report was corrected and now shows the account as paid on time with no late pays. 

The XXXX and Experian accounts have not been corrected despite my disputing the payment history twice with each credit reporting agency. I dont know if thats the fault of the creditor or the two credit bureaus that are refusing to update my payment history.

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 2021-03-22 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX, Transunion, and XX/XX/XXXX have not complied in deleting accounts from my credit reports that DO NOT belong to me. I have disputed the inaccurate information with XXXX XXXX XXXX XXXX the collection agency ) on my credit reports and after several ignored attempts on their behalf to remove this inaccurate information I felt the need to reach out to CFPB as a final recourse before taking legal action. I really don't have extra money to waste for litigation but I will have to proceed if this doesn't get taken care of. I reached out to XXXX XXXX XXXX after they contacted me about 3 accounts that they claimed belonged to me. I informed them that I those were not my accounts and and disputed them and they sent me a letter saying the accounts had been validated. I knew this was a mistake and a thorough investigation had not been done because these accounts don't belong to me. I reached out to them in XXXX of XXXX and also in XXXX of XXXX requesting information as to how they " validated '' the debt. I asked them for the names of the original creditors, the account number, the amount owed, details regarding the age/amount of the debt, copy of the last billing statement from the original creditor, and any signatures of mine on any of the documents. I know they have 30 days to respond but each time I sent them the letter asking for validation info they ignored or didnt respond and I waited 60 days to send another letter and that letter never got a response either. I reached out to all 3 credit Bureaus XX/XX/XXXX explaining what happened and they still have not removed these accounts from my credit reports. The collection agency failed to send proof of the debt but yet the credit bureaus aren't doing their due diligence in removing this inaccurate info. 
Accounts that need to be removed : XXXX XXXX XXXX Acct XXXX, XXXX XXXX XXXX Acct XXXX, and XXXX XXXX XXXX Acct 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 2021-03-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian, XXXX, and XXXX  have not complied in deleting accounts from my credit reports that DO NOT belong to me. I have disputed the inaccurate information with XXXX XXXX XXXX XXXX the collection agency ) on my credit reports and after several ignored attempts on their behalf to remove this inaccurate information I felt the need to reach out to CFPB as a final recourse before taking legal action. I really don't have extra money to waste for litigation but I will have to proceed if this doesn't get taken care of. I reached out to XXXX XXXX XXXX after they contacted me about 3 accounts that they claimed belonged to me. I informed them that I those were not my accounts and and disputed them and they sent me a letter saying the accounts had been validated. I knew this was a mistake and a thorough investigation had not been done because these accounts don't belong to me. I reached out to them in XXXX of XXXX and also in XXXX of XXXX requesting information as to how they " validated '' the debt. I asked them for the names of the original creditors, the account number, the amount owed, details regarding the age/amount of the debt, copy of the last billing statement from the original creditor, and any signatures of mine on any of the documents. I know they have 30 days to respond but each time I sent them the letter asking for validation info they ignored or didnt respond and I waited 60 days to send another letter and that letter never got a response either. I reached out to all 3 credit Bureaus XX/XX/XXXX explaining what happened and they still have not removed these accounts from my credit reports. The collection agency failed to send proof of the debt but yet the credit bureaus aren't doing their due diligence in removing this inaccurate info. 
Accounts that need to be removed : XXXX XXXX XXXX Acct XXXX, XXXX XXXX XXXX Acct XXXX, and XXXX XXXX XXXX Acct 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 2021-03-22 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: NJ

Complaint narrative:
Hello good morning, I have been trying to get these few fraudulent accounts off my credit report and I reach out to the XXXX, transunion and XXXX regarding this and they explained that i need an ftc report. This is affecting my credit profile really bad. Again, I am a victim of identity theft. These accounts listed are not related to any transaction done by me. I also called the companies regarding this identity theft and they told me to reach out to the bureaus. I have attached the FTC report and my driver license to help verify my identity. 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 2021-03-22 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hello good morning, I have been trying to get these few fraudulent accounts off my credit report and I reach out to the experian, XXXX and XXXX regarding this and they explained that i need an ftc report. This is affecting my credit profile really bad. Again, I am a victim of identity theft. These accounts listed are not related to any transaction done by me. I also called the companies regarding this identity theft and they told me to reach out to the bureaus. I have attached the FTC report and my driver license to help verify my identity. 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 2021-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: KY

Complaint narrative:
I signed up for Gemini 39 days ago. They let me deposit money into my account but won't let me take it out. The app says my account is " pending verification ''. I have contacted support at least 5-10 times and they just send me back the same form letter response every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I opened a Chase XXXX XXXX account on XX/XX/2021. I did this after I received an email to my college email account about the Chase {$100.00} XXXX XXXX XXXX. As attached below, I clicked on the open an account button which says in fine print under it coupon code applied when you click Open an account. I made my account using that button and I then completed 10 qualifying transactions which wouldve given me the {$100.00} bonus. I waited 15 days and nothing so today XXXX XX/XX/2021 ) I called Chase Customer service. They told me that the coupon code I had been given actually wasnt applied when I clicked on the open an account button and now because 21 days had passed the coupon code is now completely worthless. This is definitely at the fault of Chase, I clicked the link and my coupon code shouldve been applied but it was not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-22 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:
I recently filed a dispute with the credit bureaus regarding inaccurate information reporting on my credit report. I disputed a public record that contain inaccurate information. I received letters that the information was verified and to contact XXXX XXXX XXXX. 
after a thorough investigation, the public record has been removed and deleted from my XXXX profile. XXXX initiated a dispute on my behalf and have not gotten a response back from the credit bureaus. 


chapter XXXX bankruptcy- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: FL

Complaint narrative:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Happy Money, Inc.
State: CA

Complaint narrative:
Around XX/XX/2020 I checked my credit and discovered that a loan was issued in my name from a company called Payoff/Happy Money in the amount of XXXX. I made attempts to contact this company but never got through to anyone ( Possibly due to Covid 19 ). I then contacted the 3 credit bureau 's to dispute these charges directly. I have not nor have I every taken a loan out or had any business dealings with this company/organization ( PAYOFF/HAPPY MONEY ). Im not sure how my information was stolen but I did NOT authorize an loans in my name or on my behave. I contacted the XXXX XXXX police department and filed a formal police report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: NJ

Complaint narrative:
I have been a victim of identity theft please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are accounts being reported on my credit reports that are not valid. I have attached the identity theft 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 explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On Friday, XX/XX/2021, I went to the bank and asked the person at the door could I cash a check with only my license and she said yes. I stayed in line but three of the tellers would not assist me. 

They told me my social security was incorrect and I've banked there for years and recently filed a complaint with the CFPB. I know the tellers knew I was the one who filed a complaint on Bank of America so they wouldn't cash the check that was drawn on their bank. I deposited the check in XXXX XXXX and when I went there it wasn't posted. XXXX XXXX has my account as inactive and they are returning already issued checks against my account. I would like someone else to be responsible for the fees as I can't pay them myself because I am not working.

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 2021-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: KS

Complaint narrative:
I engaged Amerisave to refinance my primary residence on XX/XX/2021 due to their low rates after considering multiple lenders. 

My loan originator was very friendly, responsive, and helpful until I paid the {$500.00} application fee, at which at which point I got passed off to what seems to be an automated system with no one to answer questions. When I was able to get some sort of response from a person ( which was rare ), I received short answers that led to more questions, or they assured me they were working through things or exploring alternatives which never panned out. While waiting for answers to questions, Amerisave continued to send me many, many emails, texts, and even phone calls from other agents demanding that I upload documents that I had already uploaded before.

I am very credit worthy. I believe Amerisave either did not engage me in good faith and never intended to go past the point of collecting the {$500.00} fee or they have a broken system. Either way, this company is taking money from customers and not providing a service or product in return.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: CHARLES SCHWAB CORPORATION, THE
State: CO

Complaint narrative:
I attempted to put in a trade for NOK using Schwab 's brokerage services and a pop up notified me the trade was halted, so I cancelled but the trade went through an hour later when the stock tanked. Schwab has not provided a resolution for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Flagstar Bank, N.A.
State: MS

Complaint narrative:
I was notified by mail about a data leak from a third party platform. I never recieved an " opt out notice '' from the company to protect my information prior to the incident.

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