vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
MISLEADING AND FALSE INFORMATION. THIS IS AHIPPA VIOLATION YOU CAN NOT REPORT MEDICAL INFORMATION ON MY CREDIT REPORT PROFILE THIS A VOILATION. ACCOUNT NUMBER:XXXX  XXXX XXXX XXXX  ACCOUNT - ORIGINAL CREDITOR XXXX XXXX XXXX THIS ACCOUNT IS INACCURATE AND I AM SEEKING LITIGATION PLEASE DETELE AT ONCE. MISLEADING AND FALSE INFORMATION. THIS IS AHIPPA VIOLATION YOU CAN NOT REPORT MEDICAL INFORMATION ON MY CREDIT REPORT PROFILE THIS A VOILATION. ACCOUNT NUMBER:XXXX XXXX XXXX XXXX ACCOUNT - ORIGINAL CREDITOR XXXX XXXX XXXX THIS ACCOUNT IS INACCURATE AND I AM SEEKING LITIGATION PLEASE DETELE AT ONCE. THEY ARE PUTTING ACCOUNT ON MY PROFILE THATS NOT MINE PLEASE REMOVE THEM

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 2021-10-18 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: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: TN

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
some on open this account under my name and have late payments and max out CC, XXXX and XXXX, XXXX giving me hard time with no explanations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
hello well my experince with my mortgage XXXX  c/o phh mortgage has been traumatize .i have ask XXXX  for refinance and take money out from my equity so we starded this proces on XXXX and sent and appraisal pretty much all the compamy police requeste and we did all they ask sent via email and fedex .well they have lied to me and to my loand person XXXX  .there responce has been always that they never receive nothing or got lost there excuse has been lost never receive we have try pretty much everything. am so stress out tired off them. its now XXXX XX/XX/21 and every time me or XXXX  agent calls them is ur case payoff is in review well my health is not well off all this procese with my phh mortgage i ask for help please tell me how to get them to relice my payoff so wellsfargo can finish this proces.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
ABILITY RECOVERY SERVICE XXXX XXXX XXXXXXXX XXXX, PA XXXX This account is listed as being 4 months old. The account is actually 2 years old. Ability states that they will not change it. This is fraud.

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 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
ALL of my XXXX XXXX loans are closed and discharged in full under the closed school discharge. It took a previous CFPB complaint to get Navient to properly close loan number 4 out. That one is fixed, however they are still reporting all loans open with full balances on my credit reports. I emailed them a couple of weeks ago asking when they were going to update it as they have updated the XXXX ones that I am paying on but conveniently have left these still showing a $ XXXX balance when it should all be closed and {$0.00} and they ignored it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Basically, my account has been transferred to PHH Mortgage & the payment options they say are available aren't really available. I was just hung up on by one up their reps as she tried to explain to me that it is too early to make my XXXX payment. I work on commissions and like to make my payments ahead of time to keep from stressing over bills. I have had to fight with company from the beginning to make payments & this should not be the case. I have filed complaint with the XXXX  where I found 933 complaints last week regarding their lack of customer service and unethical practices. We need an AG to address these issues and call these things out. Each time I try to make a payment I get the following same message : Online payment scheduling is currently unavailable. The most likely reason is you have already scheduled an online payment. To see all currently scheduled payment dates, check the " Scheduled Payments '' tile. If you have not previously scheduled a payment, or need assistance, please call XXXX. 

My last payment was made on XX/XX/XXXX and has cleared my bank. I would like to be able to make my XXXX payment this week and XXXX payment next week. I don't like using the us mail because things get lost and move too slow. Also, I don't want to give my banking account info to someone I don't know over the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
On XX/XX/XXXX a seizure order was placed on my account and the account was frozen. {$8000.00} was removed from my account. A call to TD bank revealed they had received a sealed seizure order and could not give me any other information. TD bank stated whoever had initiated the order would contact me. I was also charged a processing fee of {$120.00}. The account was at {$0.00}. I did not receive notification of anyone regarding seizure of the money. I contacted the Department of Justice, IRS. They were not involved. Many phone calls were placed to TD bank on XX/XX/1920, XXXX, XXXX. They stated they could not release any information as the order was sealed and i would receive information from the party that seized the money. The account remained frozen. Calls were placed to TD bank 2x a week for four weeks. I never received notification regarding who had seized XXXX. 
On XX/XX/XXXX the complete amount plus processing fee was returned to the account and the account was unfrozen. FIVE WEEKS LATER. I want to know if this was the result of fraud, a banking error. Can I put money in this account again? DURING THAT TIME I HAD TO BORROW XXXX FROM FAMILY AND FRIENDS TO PAY MY BILLS AND FEED MY FAMILY. IT WAS EXTREMELY STRESSFUL. I conveyed multiple times to TD Bank that I had not been notified who seized the money. I asked them to at least notify the party and let them know I had no idea who seized the money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One is reporting wrong dates and amounts on my credit reports, I call them and they just act like they dont now what Im not talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
Gemini currency exchange found at www.gemini.com is a scam. I have XXXX of assets in USD held in that exchange since XX/XX/2021 and neither support nor security team has contacted me with a resolution on how to reactivate my account or withdraw my funds to move to another platform. This kind of service for a financial platform is COMPLETELY unacceptable. I want a response NOW and to be given the option to withdraw my funds to my bank. I no longer trust this shady platform. Fair warning to anyone considering moving to this platform, STAY AWAY FROM GEMINI! They will allow you to deposit money with ease and freeze your account without warning, holding your money hostage!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
they are reporting 30-59 days late from XXXX which is incorrect all payments was on time an up to date

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 2021-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I was involved in a car accident in XXXX.the other driver was deemed at fault and the insurance company had me sign documents stating they would pay the XXXX XXXX XXXXXXXX bill.once I seen the bill was on my bell credit I contacted the insurance company and they sent me documents proving that the bill was paid and the check cleared. When I tried to contact XXXX XXXX XXXX  its say they are permanently closed.

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 2021-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: MO

Complaint narrative:
On XXXX XXXX 2021 an unauthorized charge was made on my account, and immediately the card was reported as stolen. XXXX then arranged for a refund, for the amount of the transaction in {$81.00}. I have been dealing with XXXX who stated they definitely issued the refund back to my card, which at the time was reported stolen, but Cash App, or XXXX XXXX, reassured me that it would go to my new card. I have been given a complete runaround by Cash App or XXXX XXXX  since. I can't ever speak to a human being, they keep telling me they need my email address in order to escalate this, however no one has contacted me in regards to this transaction. I have contacted them over 50 times, and every time they take my email and say they will be in touch with me, but no one ever contacts me. I've been dealing with this since XX/XX/XXXX. It is now XXXX XXXX, and my refund has yet to be returned to my card. I get no answers as to when this refund will be issued back to my account, and again can't get any resolve to this issue. This was the second refund to be issued to me by XXXX, one was received but this one has gotten no answer as of yet. This is a Cash App or XXXX XXXX  issue since the store issued the refund on their side. Most recent case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX. 2021 XXXX XXXX  on a Saturday. A buyer made a purchase through XXXX. 

Knowing that XXXX had successfully worked with me a few days prior, i assumed it will be a smooth transaction. 

After the buyer made the {$2100.00} purchase through XXXX Wells Fargo. This time i didn't receive the money and i would need to wait 2 days for wells fargo to deposit the funds. I find that odd because i used XXXX a few days earlier and it went through immediately. 

So i gave the buyer my item and i assumed that XXXX was irreversible and i will get my money eventually. 

an hour later the buyer Cancelled his XXXX  payment. I was irate because i thought XXXX was irreversible. I found out that in that particular day, wells fargo XXXX  were having issues receiving payments and technicians were working on getting it fixed. 

i filed a claim with wells fargo and i waited 10 business days. its already XX/XX/XXXX and i did not get any provisional credit at all. I called the claims department but still hav n't gotten any provisional credit. 


All i want is my {$2100.00} from wells fargo. I believe wells fargo screwed me over of my {$2100.00} because wells fargo XXXX was having problems in that particular day of the transaction. If i had known that wells fargo was having problems with XXXX, i wouldn't have sold my item via wells fargo XXXX. Unfortunately, i'm still out of my money and my item. 

here 's the claim # 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 2021-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc.
State: AL

Complaint narrative:
Thousands of dollars of bills were reported to my credit as a collection by Nationwide Recovery Service, I reached out to my insurance and confirmed I was fully covered for these bills, I disputed but Nationwide Recovery Service did not remove. I then spoke to the original creditor, XXXX XXXX XXXX and XXXX XXXX billing departments, I spoke to a representative named XXXX, the original creditor confirmed with me that this account is not in their records under my name, nor do they have an outstanding debt for me. I requested a debt validation from this collection agency, they sent me an itemized bill that states I owe {$0.00} awaiting insurance response. Again, the creditor confirmed that there were no balances outstanding under my name, my children 's names, or our social security numbers. I sent this proof and verification to the credit bureau and to the collection agency. 
It is not ethical or legal to collect a bill for patients fully covered by Medicaid ( also proven ), the original creditor does not have any bills in my name. The accounts are still being fraudulently reported to my credit report even though I do not owe any money which is causing harm to my finances and adversely affecting my credit report and costing me thousands of dollars in interest every year. I have sent a package of proof and verification to this collection agency of which they have ignored. I will take every step needed to hold this agency responsible, these items should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bepensa Capital, Inc.
State: FL

Complaint narrative:
My monthly payments of {$410.00} are due on the XXXX of each month. I made a payment of {$500.00} on XX/XX/XXXX. I logged in to the website today that the extra funds I paid are in an unapplied account. They have done this on several occasions, this time I decided to call today ( XX/XX/XXXX ). I asked the representative to apply those fund to principal. He stated that he can not and I have to wait until I make the XX/XX/XXXX payment then they can apply to principle. Which is a lie because it has never happened with my prior payments. In addition, thats an extra 30 days of interest that I am being forced to pay on a larger balance and they are holding my extra money. I explained to him that this is unacceptable. I have a DSI loan, by not applying my extra to principle, more interest accrues daily, I pay more interest over the term of the loan and it takes me longer to pay off the loan. They are forcing customers to pay extra interest. When I informed him this isnt legal and I was reported them to the CFPB. He stated to me " it isn't the end of the world '', which is rude. That violates FDCPA. I need to be able to pay extra on principle to payoff my loan faster. This company forces customers to pay extra interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: AR

Complaint narrative:
On XX/XX/2021 I purchased two sample-size skin products from one website. There was no mention on this site of a subscription. The next month I saw a subscription charge for these two products on my Citi card ( ending in XXXX ). I immediately notified Citi and had the card cancelled. I then disputed the charge with them and after your intervention, they finally gave me a " conditional '' credit. The two charges were : - XXXX XXXX XXXX XXXX {$87.00} - XXXX XXXX XXXX XXXX {$89.00} There were two separate websites associated with these charges, although neither one was familiar to me. I went to one site and bought samples of both products. The website I went to didn't have any mention of a subscription, though the two websites listed both mentioned the subscription quite clearly. 

Citi has since taken the credit back and said it was my problem. I have never received any product for my money and the phone number listed for the companies don't work. Citi is complicit in this fraud.

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 2021-10-18 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: OH

Complaint narrative:
I have an account showing on my credit report that I never owed a debt to adn it was never in collections from SOC SEC ADMIN OFFICE XXXX. I need this error corrected at once. I am in the middle of closing on a new business contract for my XXXX XXXX company and this inaccurate account item is stoping my from doing business.

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 2021-10-18 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 was checking my credit report and I saw that my credit score is low. I don't understand why you put this information on my account. I'm shocked! What do I have to do right now?/

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Macy 's has reported an hard inquiry that was not authorized in XXXX 2020 that has my SSI number incorrect.

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