vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-30 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On XX/XX/XXXX I was fraudulently charged for {$140.00} from the company XXXX. That same evening I received a XXXX code on my phone in the middle of the night which I thought was strange but I didn't think about it again until I saw this charge. Once I noticed the charge on my account ( XX/XX/XXXX ), I contacted my credit card company and they removed the charge and started the investigation. They let me know that the purchase was for XXXX baby carriers and I let them know that I have XXXX XXXX XXXX twins and that I have no need to purchase 2 baby carriers. I also told them about receiving the strange XXXX code in the middle of the night. 

I received a notice on XX/XX/XXXX that they completed their investigation and I was held liable for the charges. I was surprised as the fraud investigator NEVER contacted me as part of this " investigation '' process. I appealed it and was sent another letter on XX/XX/XXXX stating that I was still found liable. I asked on what grounds and they told me I could request a copy of the " investigation '' paperwork. I requested it and it clearly showed someone used an email similar to mine but they changed the last letter to a number ( an " n '' to the number 5 ). I called back and reported this as it was clear to me that someone did a good job of making it look like I made this purchase that I absolutely did not make. The purchase was also made from XXXX, WA and I was in XXXX, OR on the date the purchase was made. 

It was not difficult for me to see that this investigation should have concluded in my favor so I called and appealed again and told them the above information. Just today I received a third notice that they were not removing the charge from my account. I am done dealing with them directly and am requesting assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Transunion has not sent my report because they say they need proof of address. However, I have not moved since I mailed my proof of address along with my request to XXXX XXXX XXXX for my credit report in the first week of XX/XX/2021. 

XXXX and XXXX didn't seem to have an issue sending my reports in response to my written request. 

Additionally, Transunion didn't seem to have an issue with sending my report in response to an adverse action taken in XX/XX/2021. I haven't moved since XX/XX/2021 either. 

See attached postcard from Transunion stating they needed proof of address as well as the first page of the credit report Transunion sent in XX/XX/2021.

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 2021-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
My identity was stolen and apparently I owe this company {$18000.00} for XXXX. I am extremely upset and do not want this to damage my credit. Whoever stole my identity also tried to open accounts and get XXXX XXXX in my name. Luckily I caught it soon enough and froze my credit. I need to know the next steps & have this debt erased please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: CA

Complaint narrative:
I XXXX XXXX XXXX XXXX did not consent to, authorize nor benefit from the following account. Block and remove it. The address is different from my physical address. As a consumer my rights are being violated, my reputation has been ruined. Which has impacted my credit in which has impediment me from providing for myself and my family. It has caused me emotional trauma that has hindered me and my family from progressing forward in our lives. They violated Federal Law with 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ) and 15 USC 1681a ( 4 ) 1692d ( 1 ) 1692b ( 2 ) 1692d ( 5 ) 1692c ( c ) 1692g

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
In XXXX Ocwen tried to foreclose so I filled out a modification and it went through so I made payments but they failed it. Then in XXXX I filled out another modification according to Ocwen, it got approved and I made 6 payments. They then failed that modification and put me back in foreclosure. Once again in XXXX I filled out another modification with Ocwen and made 3 payments, then they failed that modification. I believe this was a scam because the payment went from $ XXXX $ XXXX $ XXXX {$3500.00}. Now that I've been in foreclosure they have been charging me {$3500.00} a month on paper. I have been in foreclosure since XXXX, my first lawyer had it for 10 months and then quit. My second lawyer had it for 10 months then quit. Now I feel very vulnerable and I need help, they are still trying to fraudulently foreclose. I feel they have misinformed and misguided me into foreclosure. I have done everything they have asked and they still put me in foreclosure. My lawyer has now filed a complaint to put them on hold but he also has quit. The mortgage servicing companies involved are Ocwen, PHH, and XXXX, they kept changing which company dealt with the mortgage to further confuse me. Those companies are all owned by the same parent company.

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 2021-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The credit Bureaus are reporting my auto loan with XXXX XXXX 30 days late for the month of XXXX. I have a letter from XXXX XXXX that states I have never paid 30 days late. This is hurting my credit score and the Bureaus refuse to correct even with supporting documentation. PLEASE HELP!!!!!

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 2021-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Syncapay, Inc
State: IL

Complaint narrative:
I use prepaiddigitalsolutions.com as a way to save my income from a few investments that I have online and a few days in the date of XX/XX/2021 I found that my account was CLOSED with money inside and without any further warning or email explaining the reason was my account closed and I took the action to contact the customer service about this issue happened and they explain to me that my account was closed because some of the tokens that I redeemed in the website ( token is a code that you receive from rewards websites with an amount of $ inside and this is loaded into a virtual prepaid debit card ) was obtained in a fraudulent way and they can't do anything in this case, after this call which I want to mention that I never received any confirmation in my email about the status of my account I lose access to my account because the support change my personal security question without my knowledge and in this point, they close my account with this amount inside : {$6700.00} because a few tokens were obtained in a fraud way but they never told me WHICH tokens were obtained in an illegal way and delete from my account or any way to recover the fund that they think " was properly obtained in a legal manner ''. this situation is ongoing since XXXX XXXX of this year. I want to talk about the situation on XXXX XXXX that I've talked with the customer service several times and also talked with a supervisor called XXXX and they change the EMAIL attached to mine account and changed several times the security question to denied the access to my account. also, they never inform me about the changes in the email of my account and the security question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I XXXX XXXX XXXX XXXX did not consent to, authorize nor benefit from the following account. Block and remove it. The address is different from my physical address. As a consumer my rights are being violated, my reputation has been ruined. Which has impacted my credit in which has impediment me from providing for myself and my family. It has caused me XXXX XXXX that has hindered me and my family from progressing forward in our lives. They violated Federal Law with 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ) and 15 USC 1681a ( 4 ) 1692d ( 1 ) 1692b ( 2 ) 1692d ( 5 ) 1692c ( c ) 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The credit Bureaus are reporting my auto loan with XXXX XXXX 30 days late for the month of XXXX. I have a letter from XXXX XXXX that states I have never paid 30 days late. This is hurting my credit score and the Bureaus refuse to correct even with supporting documentation. PLEASE HELP!!!!!

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 2021-09-30 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: MD

Complaint narrative:
I called Equifax Credit Bureau on XX/XX/2021. I told them that I had logged into XXXX XXXX and gotten my credit report. I told them that disputes for my personal information, collection accounts and inquiries. The customer service representative took care of the personal information. Then I told her that under the FCRA that the collections were showing open accounts and I wanted them disputed because collection accounts are not supposed to be reported as " Open ''. The representative said that there were 2 collections not 12 that I had pulled from the credit report with XXXX XXXX right before I called Equifax. I asked are you positive because I just pulled this report right before I called you. Again she said well there are only 2, so I disputed them both. Then we went in inquiries and I told her that I wanted to dispute the inquiries and I was told that at the current time Equifax was not taking disputes on inquiries. I could contact the inquiring company and dispute it with them and they can make the change but that Equifax was not accepting any disputes regarding inquiries unless I had a police report showing that I had been a victim of fraud. I told the representative I felt that this was not legal because the law says they can only report accurate information and with those inquiries the information was inaccurate. Again she repeated for me that Equifax is not currently accepting Inquiry Disputes unless I have been a victim of fraud but I could dispute it directly with the inquiring company. 

The big 3 credit bureaus in this country control our lives. They can make you or break you. They need to be taken out by the CFPB for the things they they do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
XX/XX/XXXX paid mtg XXXX mr Cooper reversed it. 

XX/XX/XXXX paid mtg XXXX Mr Cooper reversed payment XX/XX/XXXX paid mtg XXXX Mr Cooper reversed it again stating that now they wanted a XXXX late fee paid along with both payments that were due. 

Covid hit and my tenants wouldn't pay from XX/XX/XXXX until I kicked them out XX/XX/XXXX. 

I applied for forbearance they said on web portal I had one. I got certified letter on XX/XX/XXXX stating house would be sold at auction XX/XX/XXXX. The house was sold but Mr Cooper sent me an email on XX/XX/XXXX stating my forbearance was up and asked if I could resume payments I selected yes and they sold my house the next day. They sold it before the national moratorium ended. Further more they went against the CDC and charged me XXXX in late fees... They stole my house they broke there own forbearance and auctioned it days before the moratorium even ended I know there's gon na be a lawsuit my house appraised for XXXX I was unable to kick out bum tenants Mr Cooper made the mistake and refunded my mtg 3x then placed a huge fee on it. Then they made forbearance and stated I could just pick up on payments XX/XX/XXXX yet they sold the house 3 days prior. I have screen shots docs etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CHECK INTO CASH INC.
State: MO

Complaint narrative:
Hi I am a single widowed women with XXXX children I received a tittle loan that I was going to be paying off then when the XXXX virus started I got put on unemployment well I was about two weeks late and I called to make my last payment and they wouldnt take it they said they sent it off to a collections agency and I couldnt pay them now I have turned it in to XXXX XXXX and they have been investigating for a while but nothing is changing now my credit is destroyed and now I have no Title I am desperate to get help from you please help me get my title this isnt right and they refused my payments thanks and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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:
Fraud accounts were opened with my social security number. I've went to every measure to have these accounts removed from my report including contacting the Nevada Attorney Generals office because XXXX XXXX  refused to remove the account from my credit report. I have requested documentation from the from the company proving that the account did indeed belong to me but i was denied because of verification!! Obviously because it doesn't belong to me but now I don't know where to turn fighting this corporate giant and have them remove this account off of my credit. 3 Credit Bureaus removed the account from my report as of XX/XX/2021 but XXXX reported the fraudulent balance once again and it is back on my on my report. It was recently removed from XXXX but I am still having a hard time getting this problem resolved with XXXX and and Transunion.

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 2021-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc.
State: OR

Complaint narrative:
I got a letter from USCB America about a debt that is not owed. The Doctor charged me twice for the same bill and my insurance paid the bill. They are still trying to say I owe it, but I was charged twice when I only aw this quack once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: MA

Complaint narrative:
TRANSUNION furnished a consumer report in my name including a bankruptcy discharge, which was obtained and provided without permissible purpose pursuant 15 USC 1681b ( a ) ( 2 ) ; such actions also violate my right to privacy under 15 USC 1681 ( a ) ( 4 ). In addition, TRANSUNION neglected to provide me with accurate/relevant information on the direct source of bankruptcy information pursuant 15 USC 1681g ( 2 ), 15 USC 1681i ( 2 ) ( B ). Nor did TRANSUNION conduct investigation pursuant 15 USC 1681a ( e ). As a result, TRANSUNION is civilly liable for these violations.

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 2021-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
**We are current Wells Fargo Mortgage Customers -Received mailer from Wells Fargo offering a pre-lim refi offer of 3.25 % -Called Wells Fargo, provided my wife and I 's credit info estimates and was offered a monthly payment {$2400.00} at 3.125 % interest. I was told was with closing costs and taxes/insurance in escrow just as our current mortgage exists with them.

-Agreed to proceed with credit application to confirm interest rate and process application.

-After processing the credit app the banker advised me she did not include my MUD taxes in the estimate prior to the credit app and that the new monthly would be approximately {$2800.00}. The interest rates were approved with the credit app at the amount she quoted.

I would not have filled out a credit application had she advised me this information initially. Both my wife and I took a credit hit across all 3 bureaus because she failed provide an adequate estimate. She had all of my information for my current mortgage and even advised me that once I started that application online that she would fill out the current mortgage information for me as she had it available and in front of her, which she did. Had she provided the correct quote initially we would not have chosen to take the credit inquiry against our accounts.

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 2021-09-30 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: NV

Complaint narrative:
Fraud accounts were opened with my social security number. I've went to every measure to have these accounts removed from my report including contacting the Nevada Attorney Generals office because XXXX XXXX  refused to remove the account from my credit report. I have requested documentation from the from the company proving that the account did indeed belong to me but i was denied because of verification!! Obviously because it doesn't belong to me but now I don't know where to turn fighting this corporate giant and have them remove this account off of my credit. 3 Credit Bureaus removed the account from my report as of XX/XX/2021 but XXXX reported the fraudulent balance once again and it is back on my on my report. It was recently removed from XXXX but I am still having a hard time getting this problem resolved with Experian and and 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 2021-09-30 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: OH

Complaint narrative:
7. XXXX XXXX - xxxxxxxxxxxx XXXX Reason # 1 : Account status is reporting as charge off.

Reason # 2 : Date reported is inaccurate.

Reason # 3 : This account does not report on XXXX or XXXX, which leads me to believe this is completely inaccurate due to lack of consistency among the CRA. 
Reason # 4 : Date last active is inaccurate Typiclly, I try and handle things with the CRA themselves, but XXXX has been difficult and given me a difficult time regarding these errors. Accounts needs to be delted for continuous inaccurate reporting. I have exhausted so muh MONEY and TIME in the process. I have mailed dispute after dispute, pointing out the inacuarcies and adding new information to substantiate my claim and have been giving the " run around ''. That time stops now. And this needs to be removed

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 2021-09-30 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: MS

Complaint narrative:
I am XXXX XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. My request for the verification and deletion of unverified and erroneous information has been diligently neglected by Equifax. Despite sending them the last dispute letters dated, XX/XX/XXXX, for the said request, they stated items were verified. I was not provided a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA, all items that can not be verified must be deleted immediately.

They are still reporting inaccurate and unverifiedinformation on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting inaccurate and unverified information. 

Below are the unverified accounts that remain on my report : XXXX XXXX XXXX XXXX US DEPTARTMENT OF EDU US DEPARTMENT OF EDU XXXX XXXX XXXX US DEPT. OF EDUCATIO Below are the unverified inquiries that remain on my report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation