vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
I have made numerous complaints to CFFB over the last years which have fallen on deaf ears. I STILL don't know what to do or write to convince you to do SOMETHING to help not only me but others who may be affected by this " mortgage company ''. My complaint started with Ocwen Mortgage service, now it has been sold, given to PHH "  mortgage service ''. They are still trying to foreclose on my condo. At last on XXXX of this year this went to court and a judge who had other things to do was tired of dealing with this so nothing actually happened but she through the case out without having jury. Ocwen had added numerous fake charges to my mortgage, which initially had a balance of approx. {$43000.00}. Now I have been loaded with additional fees totaling over {$130000.00}. While this was going on in court it was settled for {$90000.00}. I have my condo for sale at {$150000.00}. Now, PHH has taken over and claim I owe over {$130000.00}. If I sell my condo at the asking price I will only have approx. {$20000.00} left over. I will need at least 30 % for a down payment in order to get another loan. Ocwen/PHH has utterly ruined my credit. Please refer to my other complaints to bring yourself up to date. I NEED HELP yesterday, last year, the year before - you get the idea. I was about XXXX years old when this started. I am now XXXXyrs. old. I don't want to live like this for the rest of my life. PLEASE HELP. I believe they are extorting money from me in order to foreclose on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: NJ

Complaint narrative:
Hello, I purchased a ticket on XXXX XXXX  XXXX on XX/XX/2020, which was 7 months ago. The Airline CANCELLED the flight. I have tried to reach the airline since XX/XX/2020, for almost 3 months without any answer from them. Since they cancelled the flight, their own policy states that they will offer a full refund as well as it is the LAW per the department of transportation in the United States of America. They are refusing to answer any of my requests for months for a refund and wrote back to Citibank, my credit card company recently that they won`t issue a refund, only a credit. Citibank is also refusing to give me my refund and said that they are siding with the merchant. For one this is illegal, because by law they have to issue me a refund not just a credit, and for 2, they never even communicated with me about the credit. I explained this to the credit card company, Citibank, and the investigation was closed in the merchants favor. I have re disputed this, as this is not fair, as it is illegal to issue a credit ( which I never received/been notified anyway ), when I want a full refund. Please let me know my options and If I need to notify counsel? On top of this, they mistakenly sent me another customer of the bank`s personal information/ other dispute information by accident which had all of their social security information, which is extremely frightening. I am hoping you can assist me with forcing Citibank to refund me my money that has been outstanding since XX/XX/2020, over 7 months ago, as well as fining them for sending me other customers information. 

Thank you, 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 explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau of York, Inc.
State: PA

Complaint narrative:
Thank you for taking the time to review the complaint. After the reviewing of all major credit reports, CBY furnished an unfamiliar debt on credit profile. Understanding creditors are obligated to report paid and unpaid debt, however ; never established residency at XXXX XXXX XXXX. Requesting a full method of verification, which is under FCRA 623, will include the following ; signature of the lease agreement, unpaid amount, and how it was generated. Copies of identification along with social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
Knight Adjustment Bureau is trying to collect an erroneous debt. I have been trying to get in contact with them with no success. They had never sent me any letters collections notices or phone calls about this debt. Just recently they sent me a letter stating that I owed XXXX. This is erroneous. I would like something signed as proof that this debt is mine. I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This complaint is more about what didn't happen as opposed to what happened. The bottom line is I have been disputing with the credit bureaus since XXXX and I have received no response. I know the corona virus is real but common folks. There is no way it should take 4 months to respond to me. My credit has a bunch of stuff that shouldn't be there and with credit lending real strict now a days it is affecting me greatly. If I have to, I will sue the credit bureaus. They need to fix this now and I don't want to wait another 4 months for them to investigate and send me something in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: CA

Complaint narrative:
This complaint is more about what didn't happen as opposed to what happened. The bottom line is I have been disputing with the credit bureaus since XXXX and I have received no response. I know the corona virus is real but common folks. There is no way it should take 4 months to respond to me. My credit has a bunch of stuff that shouldn't be there and with credit lending real strict now a days it is affecting me greatly. If I have to, I will sue the credit bureaus. They need to fix this now and I don't want to wait another 4 months for them to investigate and send me something in the mail.

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 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: KEYCORP
State: UT

Complaint narrative:
Key Bank is reporting an erroneous debt on my credit file that I do not owe. This debt is really old. Not only is it past the statute of limitations but it is also past the credit reporting limit per the FCRA guidelines. I do not owe this debt and it needs to be removed off my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK
State: CA

Complaint narrative:
There is an EXTRA {$2500.00} in Discover Card balance that SHOULDN'T be there!!! 
Discover is taking SEVERAL WEEKS to resolve this problem. I am FURIOUS!!!!! 
On XX/XX/XXXX I did a balance transfer ( on-line ) of {$2500.00} to my Discover Card ( from my XXXX XXXX card ). Several days later it still wasn't posted on either card. on XX/XX/XXXX I called XXXX XXXX and Discover to investigate. I learned a single digit was incorrect, so it didn't go through. On XX/XX/XXXX Discover representative " XXXX '' told me the origianl {$2500.00} wouldn't ever go through, so we initiated a NEW balance transfer of {$3000.00}. The very next day I saw in my XXXX XXXX account that the original {$2500.00} was approved! I was shocked. I called Discover ( XX/XX/XXXX ), spoke with " XXXX '' who told me to contact XXXX XXXX and explain the error. I did and they fixed the error on their end immediately! But Discover has still NOT FIXED the error on my Discover balance. {$5500.00} has been transferred from my XXXX XXXX ( XXXX card ) when it should only be {$3000.00}. 
I WANT THIS EXTRA {$2500.00} REMOVED FROM MY DISCOVER BALANCE IMMEDIATELY!!!!!!!!!!!!!! 
I've called multiple times. Been on hold for each time for 40-45 minutes and then on long phone calls with various agents, each 30-45 mins ). My last call was with " XXXX '' in the Disputes dept on XX/XX/XXXX. He reasurred me the issue would be resolved by XX/XX/XXXX. It is XX/XX/XXXX and STILL AN EXTRA {$2500.00} is listed in my DISCOVER balance. I am again ON HOLD with Discover as I write this ( 33 minutes so far, no answer ... ) to once again try and  move this along. DISCOVER IS ACTIVELY REFUSING TO CORRECT THIS ERROR which is costing me an extra {$2500.00} I never spent and DO NOT OWE!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
To whom it may concern, I ( as an XXXX  ) transferred a fund from my XXXX bank account in XXXX with the amount of XXXX USD to a company XXXX XXXX XXXX XXXX in the USA to its account in Capital One National Association bank on the XXXX. XX/XX/2020 and got confirmed the same day that the fund was transferred successfully. But after nearly two months later on the XXXX. XX/XX/2020 when I checked my XXXX account occasionally, I found Capital One Bank refund XXXXUSD and took XXXXUSD of my money without any reasons, which made me feel very shocked! I contacted XXXX immediately asking about the issue, but neither I nor XXXX was contacted or got a notice earlier by Capital One explaining why they made the refund and the missing XXXXUSD. And it doesn't make any sense that Capital One made a refund after 2 months! What Capital One did to me is not reasonable and already caused my incalculable loss for my investment, and I lost the opportunity of the investment forever because the project is closed at present. 
I tried to contact Capital One but failed. There is no way to submit such complaints online or by phone unless their own customers. 
So I have to make a complaint here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: CA

Complaint narrative:
On XXXX XXXX i filed disputed with the credit bureaus im not why i have yet to received. please help me with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX XXXX i filed disputed with the credit bureaus im not why i have yet to received. please help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I have a Zales Comenity store credit card opened on XX/XX/XXXX that was closed on XX/XX/XXXX. I also have a Children 's Place Comenity store credit card that was also closed on XX/XX/XXXX. That account was opened on XX/XX/XXXX. 

I made telephone attempts to reopen accounts being that they have been closed so soon. The lender 'Comenity ' cited that they can not reopen accounts closed by the bank. It is my understanding that Comenity is the lender and will not in good faith allow me to make a purchase since XX/XX/XXXX to reopen my accounts. 

Any advocacy to get me to use and keep these accounts would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2020-08-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Thank you for taking the time to review the complaint. After the reviewing of all major credit reports, XXXX  furnished an unfamiliar debt on credit profile. Understanding creditors are obligated to report paid and unpaid debt, however ; never established residency at XXXX XXXX XXXX. Requesting a full method of verification, which is under FCRA 623, will include the following ; signature of the lease agreement, unpaid amount, and how it was generated. Copies of identification along with social security number.

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 2020-08-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BANK OF THE WEST
State: AL

Complaint narrative:
I have an installment loan for a boat I purchased in XXXX. I sold the boat to another individual and therefore paid off the installment loan in full on Monday, XX/XX/XXXX. I called Bank of the West ( BOW ) that day to inquire on when I would receive the title and was told it would be mailed within 7 to 10 business days. I called the next week to inquire if it had been mailed and was told the lien was still not released yet. I called this bank probably 10 times so far since then ( each time waiting over 45 minutes to speak to someone ), I've escalated this issue to multiple managers/supervisors. Each time I call I am told something completely different and was straight lied to on multiple occasions being told " it will be mailed out today '' or " it's in processing and will go out tomorrow '' only to call back the next day and it still not be mailed. It is now XX/XX/XXXX and we have yet to receive the title for this boat that we sold over a month ago. I was even told to provide a XXXX  account number and they would overnight it to me, it was documented in the " work order '' and I have yet to receive any notification that the title has even been mailed out. This bank is NOT truthful to its customers and it's not following FDIC regulations regarding releasing titles after the lien is paid off in full.

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 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have mortgage account with 53rd bank ( Litigation department : XXXX XXXX XXXX ). In XXXX, XXXX I have requested forbearance program due to COVID-19. Soon I have recovered and financials and requested the cancellation of forbearance program in XXXX. Ans I have paid two payments on XXXX and I am current since then. Recently I am applying another mortgage and I have asked 53rd bank to issue the completion letter several times by calling in from XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX. They do not know even they have sent out the letter or not. Some agent in the bank said they have sent out. Also my new mortgage broker told me that 53rd bank did not report to Credit Bureau to remove the forbearance record which shows still my payment is " XXXX ''. The time is of essence because I have a deadline for new mortgage commitment date. 
I am in danger to loose my new mortgage loan opportunity if they take a action quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have an account with Paypal and the email address for the account is XXXX On XX/XX/2020, I was surprised that the company took an amount of {$1100.00} from my account, claiming that this amount was due to the damages I suffered from my violation of the use agreement, while there was no dispute between me and anyone who transferred money to my benefit.But Paypal seized the money claiming that I violated the usage agreement while he did not raise any dispute that was adjudicated against me until it is proven that I violated the usage agreement. 

PayPal will claim that my account follows the PayPal Pte facility. Ltd. is the owner of the stored value facility PayPal, and does not require approval from the XXXX XXXX XXXX XXXX. It is affiliated with Singaporean law and is not affiliated with PayPal, which is based in XXXX. 

This is very misleading and Paypal uses it for XXXX reasons : First : Paypal did not obtain a permit from the XXXX XXXX XXXX to operate and a screenshot attached to a letter from the XXXX XXXX XXXX XXXX stating that PayPal is not registered with them. 

Second : The main PayPal site, which we deal with and through which the funds were taken, is owned by Paypal, which is based in XXXX, in the state of California - and it is known that the headquarters of Paypal in the state of California, and then PayPal site is a partner in the process of seizing money Therefore, PayPal does not have a permit or is registered in XXXX according to the Singaporean Monetary Law, and what PayPal publishes on its official website is misleading for clients that legal action must be taken against it. 

Second : The PayPal website, which is the interface for dealing with clients, belongs to Paypal, whose headquarters are in XXXX, and is therefore subject to XXXX law The XXXX XXXX XXXX must stand up for PayPal for wrongdoing what it does against customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Thank you for taking the time to review the complaint. After the reviewing of all major credit reports, XXXX furnished an unfamiliar debt on credit profile. Understanding creditors are obligated to report paid and unpaid debt, however ; never established residency at XXXX XXXX XXXX. Requesting a full method of verification, which is under FCRA 623, will include the following ; signature of the lease agreement, unpaid amount, and how it was generated. Copies of identification along with social security number.

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 2020-08-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Thank you for taking the time to review the complaint. After the reviewing of all major credit reports, XXXX  furnished an unfamiliar debt on credit profile. Understanding creditors are obligated to report paid and unpaid debt, however ; never established residency at XXXX XXXX XXXX. Requesting a full method of verification, which is under FCRA 623, will include the following ; signature of the lease agreement, unpaid amount, and how it was generated. Copies of identification along with social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: CA

Complaint narrative:
45 days ago i file disputes with the credit bureaus. I have yet to received anything regrading my results. I feel 45 days is enough time to submit what i asking for.

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