vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
I received an alert from XXXX that my credit had been pulled for three separate credit card companies : XXXX, Capital One, and XXXX  XXXX XXXX. 
I have not applied for any credit cards at any of these companies. 

XXXX and XXXX  XXXX XXXX were incredibly helpful and submitted a fraud claim and denied the fraudulent application. 
Capital One on the other hand was extremely unhelpful. I was told that with out account information, of which I do not have because I do not have an account and did not apply for one, they could not help me. I was refused to be transferred to their fraud department to try to deal with this matter on my own and have the application denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Information Sent to the Florida Attorney General XX/XX/XXXX - Note : we spent 45 minutes on the phone with assistant XXXX XXXX, from the AGs office giving us these instructions. 

In XXXX, we were the victims of predatory lending by XXXX XXXX, a former CA company. It was an adjustable loan that soared from a manageable {$700.00} a month to {$2500.00}. We hired the XXXX XXXX firm, in XXXX XXXX, FL and our case was dismissed. 

In XXXX, PHH-OWCEN acquired the mortgage and in XXXX, XXXX we met with a mediator and the mortgage company quoted us a price of {$310000.00} to buy our house. We had significant roof damage and black mold in the garage and confer offered {$290000.00}, We agreed to have an appraisal and although we provided our schedule, the appraiser came the day after we left for vacation. On the second agreed upon date, the appraiser didnt come. This is a violation of an agreed judgement. 

Prior to our hearing in XX/XX/XXXX, we offered to buy our house for {$310000.00} and gave them the required paperwork. The paperwork wasnt acceptable, and our offer was denied. At our hearing on XX/XX/XXXX, one witness was denied the opportunity to testify and the other now works for PCC-OWEN and he also was denied the opportunity to testify on our behalf. 

We feel that we have been the victims of a complicit judicial system XXXX XXXX, PHH-OWCEN and the law firm, XXXX, XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX counsel. 

We are asking the Attorney Generals office to stop the XX/XX/XXXX hearing and investigate the illegal action of PHH-OCWEN. 

https : 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 we were 20 days away from a dismissal XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NE

Complaint narrative:
I have paid the last part of my car loan to Kia Finance in XXXX of XXXX  of XXXX and I am still waiting on my title. I have requested more than 3 times and I keep getting told that I am getting it and it has not came.

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 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-04-25 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
My ex stole my Amex card from the safe, opened one in his name as an authorized user without my knowledge, had all our mail ( including mine ) forwarded to a po box , maxed out my credit card, and did not pay the bill. When I found out, I had his card canceled and disputed the charges. It is fraud. Amex had me pay minimum balances for months saying it was in dispute and they were trying to get the final payoff down for me. In XXXX I received a letter from Amex stating my final payoff would be {$6000.00}. In XXXX I spoke to the same representative again and he said he was trying to get it down to {$4000.00} and I should wait two weeks for him to call me back. After only one week I received a call from a different person saying my account has been moved and they refused to listen to me or acknowledge the previous promise. I have the letter from Amex, all the phone calls documented, and the names of all the representatives I've spoken to. I am requesting help fighting for what was promised to me. It is Amex 's fault to begin with letting my ex steal from me and open up another card and letting him use my card. They aren't my purchases. Thank you for your help. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25 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 the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXX # #, XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX OR 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
After several months of them receiving my payment on the XXXX, but not posting until the XXXX, if they post at all, I set up auto-pay through their website. Not trusting them, I took a screenshot of the confirmation and the email I received saying they had received my request. Sure enough, the confirmation email disappeared from the sls message center and the auto pay request was gone as well. I emailed them and they responded. In the response email they provided a link to the message, which went to a " page not found ''. I signed into my sls account and for a brief moment a new message appeared that said my auto-pay was set up and ready to go on XXXX. Of course, that message disappeared as well, but I took a screenshot. 

Twice in the past few months, they said they did not receive my payment which is an autopay from my XXXX  XXXX XXXX account. I have spent hours on the phone trying to straighten things out. I tried, in the past, to set up autopay through their website, but that part of their website was out of order. When it was finally operative again, I set up autopay only to encounter what I described above. It is exhausting having to babysit this mortgage payment. I have read reviews from : XXXX XXXX XXXXXXXX and it appears many are experiencing the same problems. How is this legal and how are they able to continue to manage their billing process in this manner?

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 2022-04-25 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo is reporting my mortgage account as delinquent to the FHA ( I have an FHA loan ). 

I'm applying for a cash out refinance to perform some needed house repairs and have been declined 3x due to Wells Fargo not updating their bureau. 

The latest is a report of {$3900.00} in delinquent payments, though I haven't been late. 

This has not only cost me time with a house in deplorable condition, it has also cost me a full percentage point and tens of thousands of dollars in future interest charges. 

Please assist. You are welcome to reach out at the information below. Thank you! 

XXXX XXXX ( XXXX ) 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 non-monetary relief
Consumer complaint received 2022-04-25 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:
This account is currently in litigation due to deception and predatory lending practices. This account falls in that XXXX - XXXX timeline. They were asked to provide information below several times and failed. The original account- XXXX XXXX XXXX  was charged off. On XX/XX/XXXX Judge once again ordered XXXX XXXX XXXX to provide 1. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for ; 2. Provide 1099c and credit insurance ; 3. Provide original signed contracts with me and XXXX XXXX XXXX ; 4. Provide payoff disclosures, interest rate disclosures ; 5. Provide collections ; license number and court documents that allow XXXX XXXX XXXX to continue to pursue this debt in Florida ; 6. Provide documents that states this account was purchased or are you collecting on the original account holders behalf. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all inaccurate information. '' In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 an account without my written instructions The Credit bureaus XXXX and Equifax stated my account was properly investigated but how is that possible if the Last reported is inaccurate, Date of Last Activity is inaccurate and date of last payment is inaccurate. This is a clear FCRA violation and is grounds for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Hello! Someone opened my correspondence at this address XXXX XXXX  XXXX XXXX XXXX fl XXXX and used my information to request a card that the bank sent him and that person made changes to my cheking account like adding another different phone number and the bank made it very easy all those changes that bank error caused a lot of damage Such as overdrafts in my account And errneous activity in my account balance I lost a lot of funds and I applied twice for a crdit card and they denied it to me due to an error by the same bank for his negligence and dishonesty.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax is violating my consumer rights. Equifax continues to report inaccurate, incomplete and unverified information of bankruptcy docket # XXXX on my file # XXXX. The court confirmed that they did not provide any information to credit reporting agencies, nor do they ever validate and/or verify public records. Equifax buying this inaccurate, incomplete, and unverified information from a third party does not absolve them from accountability. Equifax 's noncompliance of 15 USC 1681i ( 5 ) ( A ) ( i ) which states, " If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. '' Equifax continues to violate this law as they have not deleted the information which constitutes willful noncompliance and is subject to civil liability for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: SD

Complaint narrative:
I've been faithfully paying on my federal student loan for years but HARDLY anything go to my principal. I would like to pay the same amount while it applies to my principal otherwise I will have this loan forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
The purpose of this email is to voice my concerns about an incident that just occurred over the phone when I called the XXXX, XXXX branch to request a permanent due date change for my loan. I am XXXX XXXX XXXX, a fairly new customer that recently received a loan from the XXXX branch. My experience up until this point was nothing short of amazing. The banker who processed my loan was wonderful, attentive, and a pleasure to work with. He was the reason why I decided to move forward with agreeing to the loan. Also, my experience with him impacted my decision not to refinance for a lower interest rate when I received multiple officers in the mail from your competitors. 

Unfortunately, the phone call that I just completed with XXXX XXXX has negatively impacted my view of your Financial Institution. When I explained to XXXX that I called to request a permanent due date change because of the adjustments that I implemented with my new budgeting system, she responded to my request as if my loan was delinquent and she was a collections representative. When she repeatedly asked me, " What's going on now that you need the change? '' I interjected because I had already articulated clearly the reason for the request. When I interjected while she was speaking, she told me that I was being " derogatory towards her and condescending. '' I was flabbergasted at XXXX 's response. How is it derogatory for a customer to interject to ensure that the representative understands your request especially when their response doesn't align with what you are trying to convey. XXXX was rude and did not provide me with a superior customer service experience. 

I was treated like a delinquent customer with a past due bill. This is unacceptable especially when all I am doing is adhering to a budgeting system that works for me which is what most responsible consumers do to stay on track financially. I am not sure why XXXX reacted in the manner in which she did, however, this situation needs to be addressed by your management team. Can you please review the call/interaction and perhaps re-train her on the necessary soft skills needed to provide customers with the appropriate care and respect? 

It is my right as a consumer to change my due date by law and it is unacceptable for a banking representative to create verbal barriers that imped upon your ability to do so. 

Thank you for your attention to this matter. 


XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: ME

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts, XXXX XXXX, Account number XXXX XXXX Account number XXXX XXXX Account number 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 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 2022-04-25 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: ME

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts, XXXX XXXX, Account number XXXX XXXX Account number XXXX XXXX Account number 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: MS

Complaint narrative:
Account name : PROCOLLECT , INC Acct # XXXX Date opened : XX/XX/2019 Balance : {$1300.00} Acct type : Collection account I have submitted several disputes against this charge and nothing has been done about it. I do not owe this company any money. I have explained this several times and because the company has submitted false information I have this debt on my credit report that they will not remove from it.

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 2022-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
Since my mortgage was sold to NationStar in XX/XX/XXXX, I've had multiple problems with the way that they have serviced my loan and mis-managed my escrow account. 

In XX/XX/XXXX, I made two large principle payments and gave specific instructions that I did NOT want to pay off my loan until mid-XXXX. Against my instructions, NationStar paid off my loan using escrow funds and refused to send my XXXX real estate tax payment to my county.

Since then I have been begging for a final statement of my mortgage and escrow accounts but NationStar has steadfastly refused to provide either of those documents, even after I filed a complaint with CFPB. CFPB closed my complaint without resolution. 
In XX/XX/XXXX, Nationstar finally admitted that they had botched the posting of several payments and sent me a check for {$710.00}, yet, they continue to refuse to provide any explanation of how they arrived at that amount, how my payments were applied, or how much interest I paid in XXXX. They have also refused to pay interest on the funds that were kept from me for over 7 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: TX

Complaint narrative:
Equifax mailing address XXXX XXXX XXXX, GA XXXX, contact noXXXX  My name is XXXX XXXX, of XXXX XXXX XXXX XXXX XXXX contact number XXXX, email address XXXX. 

On XX/XX/2022, I submitted a copy of my drivers, license, a copy of the XXXX police department fraud and a copy of the affidavit US Government fraud/ identity theft report and a duplicate copy of social security card to XXXX XXXX All the request information was submitted via USPS certified mail - Tracking No. XXXX XXXX XXXX XXXX XXXX Date XX/XX/2022. Per USPS confirmation - Delivered date XX/XX/2022, at XXXX. As of XX/XX/2022. As of XX/XX/2022, time XXXX central time zone I have been on hold. Waiting for management to answer my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: PA

Complaint narrative:
I have an XXXX card that I was added as an authorized user to in XXXX. I was removed as an authorized user in XX/XX/XXXX and I disputed the account with Experian twice. Both times, Experian kept the account on my report, which should not be allowed as I have long been removed as an authorized user.

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