vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-24 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MN

Complaint narrative:
In XXXX XXXX  XXXX I received storm damage on my home. My insurance company was great and issued a checks to do repairs. I sent the checks I received to my reverse mortgage lender PHH mortgage. I completed all XXXX releases and documents I was required to do. My contractor completed all paperwork and repairs as directed. The contractor is still owed over XXXX that is being held in an escrow account after 3 months of the work being completed. This work was approved and signed off by a PHH inspector. I also had to mail in my depreciation check that I received. These funds were to cover vendors I paid for out of pocket or still owe funds to. PHH confirmed the check was received XXXX XXXX. They advised me if was a 5-7 business days and they would issue a check because it was not for any new work. That timeframe has come and gone by 3 weeks. I have called many many times and now they say the are having IT issues and can not see any of the documents that have been submitted. They are unable to give an answer as to when this issue is going to be resolved. When I called on XXXX XXXX, they told me by XX/XX/XXXX, still nothing. I called the XXXX, the XXXX, and now the XXXX, and still nothing. They told me I would have to wait another week and hopefully this would be resolved. As of now the contractor has no choice but to file a lien, other vendors are threatening collections, and I can not get anywhere with them. I, my insurance, and my contractor have done everything asked of us, they have withheld funds for over 6 months with no clear answer to when they will release them. I have signed a release allowing my contactor 's lawyer pursue additional legal action against them. I am super lucky because my contractor understands I can not control the situation. My contractor is owed {$18000.00}, I am owed {$8800.00} for the depreciation check I sent. My insurance company has sent me a total of {$45000.00} in loss checks. PHH has only issued one check in XX/XX/XXXX in the amount of {$18000.00} to my contractor. They are still holding {$25000.00} even though the work has been complete for 3 months. I don't know what else to do. Please look into them, I call and I can not get any answers. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
According to 15 USC 1666b under timing of payments, it states that a creditor can not treat a payment on a credit card account under and open end consumer credit plan as late for any reason. I have called and sent letters to to both XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX I was advised by both XXXX XXXXXXXX XXXX  and XXXX XXXX XXXX advised me that by LAW they are not allowed to remove any late payments. I called TransUnion at XXXX and spoke to XXXX XX/XX/2022 she advised me that they are not governed by the CFPB laws and do not have to comply. I called XXXX and spoke to XXXX on the XX/XX/2022 and he said that XXXX can not remove the information without the consent of the original Creditor. I am the original creditor. I extended my credit through my open ended credit card ( what is normally call the social security card ). I quoted the law and I was advised that of the law and still will not remove the illegal information. I explained the same to XXXX and advised them that facilitating the posting of my information know the law is illegal and that they are opening themselves up for a lawsuit. I was told take my best shot.

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 2022-10-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXXXXXX up to XX/XX/XXXX, Multiple unauthorized transaction occurred on my capital one account, Card number of XXXX. 
All transactions on the account were not authorized and is requested to be removed immediately. 
Case number of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
Hello, I refinanced with PHH Mortgage Services Corporation, XXXX XXXX, XXXX in XXXXXXXX XXXX 
At that time, they had told me that my " silent second mortgage '' would be paid off w/said re-finance. 
I went to obtain a home equity loan from my credit union and they were the ones who alerted me to the fact that that " silent second mortgage '' was never discharged. 

PHH is now telling me that I owe HUD XXXX XXXX  - which I was NEVER advised of. Not by PHH, not by the closing Attorney. 
There is NOTHING in my closing documents that indicate this. I would NEVER have re-financed had I known this .... 
I had told the bank all along that the purpose of the re-finance was to do some house repairs- which we did. 
They never told us that we first needed to pay a HUD loan. Also, PHH made us pay off a Home Equity Loan, a loan we had on a hot tub ... XXXXWhy wouldn't they have told us that we needed to pay off the HUD Loan? Because they were being deceitful and not telling me. 
I FEEL LIKE I HAVE BEEN SCAMMED BY PHH AND NEED ASSISTANCE ...... 

Have filed a complaint with the XXXX as well. I have all of my emails and loan documents if you need copies ..... 

CAN YOU PLEASE ASSIST BEFORE I NEED TO HIRE AN ATTORNEY? I will be seeking DAMAGES as well if I hire an Attorney becuase this is holding up my home equity loan - and rates are increasing ..... 

Thank you so much. 
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 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP
State: FL

Complaint narrative:
CFPB + US Bank, On a recent review of my credit reports I noticed there are unauthorized hard credit inquiries I would like removed - attached to this complaint are : drivers license social security card mailing address written complaint credit reports where located Please have these removed as soon as possible

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 2022-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: WV

Complaint narrative:
I opened a Chime account and received my card in the mail and activated. I deposited {$1000.00} into my account on XX/XX/XXXX, then 4 days later, my account was locked because the company stated that I did not provide the necessary documentation for verification of my identity. I have since then sent them the documents that were requested on XX/XX/XXXX. It has now been 5 days, and my account is still locked. They have my money but I can not access it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24 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: CA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX card, 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 2022-10-24 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: NV

Complaint narrative:
I received the outcome of my investigation. XXXX could not validate any findings with XXXX XXXX and XXXX XXXX so the accounts were deleted off my consumer report, however Transunion has verified it without a FCRA investigation according to the law. If XXXX can not verify how is it possible that Transunion can. This account is not being reported XXXX percent accurate therefore needs to be removed. I have requested a method of verification and in return I received nothing,

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 2022-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
in XX/XX/2022 i checked my balance witch was XXXX dollars and change i payed the full amont on that day with my debit card checked my balance days later and now they say i owe XXXXand change for intrest on purchaces witch i have not used the card in almost two years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
On XX/XX/22 I went to deposit a check I had received for {$3800.00}. on XXXX I went to see if check had gone through and to withdraw {$3300.00}. prior to being given the money I asked the teller if the check had cleared, if the money was mine and she responded yes. After sending the check of {$3300.00} on XXXX, XXXX the original check bounced for the {$3800.00} putting my account thousands of dollars into the negative. When the bank was called on XXXX to report fraudulent activity and try to stop the cashiers check they said there was nothing I could do and we needed to wait for the crime to be commited. Now that the money has been taken and my account is accruing overdraft fees daily They said it was my responsibility and they stated I was given the money due to how long I have had an account with them, not because the money had cleared. The cashiers check that I received for these funds was then deposited and they stated there is nothing they can do. I reported to them the concern for it being fraudulent. I did my due part in asking multiple times if the money has cleared and they wrongfully said yes. Had it not cleared I would have never withdraw the money. I had XXXX cents to my name prior to my deposit. I have reached out to every manager possible and nothing has been done at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NY

Complaint narrative:
Hi, I'm trying to close my Escrow account since the mortgage bank BSI financial is indeed very screwed up and didn't include the school tax payment on the 2021 year, I paid it up and now have a XXXX balance on my escrow but they won't close it for no reason, since I never missed a single payment and paid up my escrow balance I would like to pay directly to the town, village, etc. They approved my fresh appraisal, which reduced my XXXX to less than XXXX  %, yet they refused to close my escrow account. 


They have been really tough to deal with since the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/22 I called the XXXX Credit Agency reporting that there were some Inquiries that I do not recognize and were not authorized, therefore they had to be removed from my credit report and my application did not work and they have not given an answer on the case. I ask you to take action on the case and eliminate these unknown and unauthorized inquiries in the next 15 days.

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 2022-10-24 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX Account 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 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 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Ive submitted a complaint to Equifax commercial disputes on XX/XX/XXXX about them reporting the incorrect business name. Ive emailed daily no response Ive called daily to get out of country people who can not help or answer any questions Ive emailed Equifax commercial disputes they never reply or keep you updated on the process Ive been stressed for weeks over this is in professional I shouldnt have to beg for Equifax to do a job they are being paid for Ive also made orders with vendors that report to Equifax and they have not updated any of this to the report I have four vendors since XX/XX/2022 and not once did any appear on the report Ive confirmed all vendors are reporting the correct information but Equifax hasnt reported My correct business name is XXXX XXXX XXXX XXXX XXXX, XXXX the XXXX fictitious name is XXXX XXXX XXXX XXXX and reflected on the report which is cause info the issue Update my report name to XXXX XXXX XXXX XXXX XXXX, XXXX as reflected on all my vendors XXXX and XXXX XXXX XXXX Equifax do the job your getting paid for

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: Advanced Resolution Services Inc.
State: NC

Complaint narrative:
In accordance with the fair credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX  acc # XXXX, XXXX  acc # XXXX, XXXX XXXX XXXX acc # /ref # 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. 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: CA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: CA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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 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 2022-10-24 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: NY

Complaint narrative:
XXXX # XXXX. 
In accordance with the fair credit reporting act the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A. Section XXXX : It also States a consumer reporting agency can not furnish a account without my written Instructions. 

XXXX XXXX XXXX. ( A ) ( XXXX ) section States no consumer reporting agency may make any consumer report containing any of the following items of information. any other adverse item of information, other than records of convictions of crime which antedates the report by more than 7 years XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: NV

Complaint narrative:
I received the outcome of my investigation. XXXX could not validate any findings with XXXX XXXX and XXXX XXXX so the accounts were deleted off my consumer report, however XXXX has verified it without a FCRA investigation according to the law. If XXXX can not verify how is it possible that XXXX can. This account is not being reported XXXX percent accurate therefore needs to be removed. I have requested a method of verification and in return I received nothing,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: KS

Complaint narrative:
I want to an event in XXXX I informed chime that I was charged the wrong price and I said proof that I tried to contact them and everything XXXX gave me a temporary credit and even after proving that they charge me wrong and that I tried to reach out to that company time, decided to do it in their favor and caused my account to be severely negative. And I also had a situation where time sent me the wrong credit card twice and it caused my bills to be late and do and some of my bills I wasnt able to use a digital card. I needed a physical card for it and I wasnt able to provide that which cause my bill is psycho late and my balance to be negative and my credit to be affected

Company response to consumer: Closed with explanation