vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Duties upon notice of dispute from a consumer reporting agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) This section requires that whenever a person, such as a financial institution, receives a notice of dispute from a consumer reporting agency regarding the accuracy or completeness of any information the person provided to a consumer reporting agency pursuant to Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. b. delete the item of information. c. permanently block the reporting of that item of information. 

XXXX XXXX XXXX is reporting inaccurate information on my Equifax credit report. I have requested numerous investigations into this matter, one as recently as XX/XX/2023. I have not received any communication regarding this matter which is a violation of the law mentioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
XXXX from the state of Connecticut along with me sent grands and funds to bring the loan current # XXXX. 
The lack of professionalism, communication and discrimination against my homeowners mortgage loan are delaying the process. XXXX and my self had reached out PHH in numerous times and weve been ignorance By the company. It is unacceptable, PHH has to return money back to my checking account and Phh had failed to work with me 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 2023-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: HOMESTAR FINANCIAL CORPORATION
State: LA

Complaint narrative:
I applied for a mortgage loan with Homestar Financial in XX/XX/2023. At first everything seemed easy but as time went on I was asked to submit things I did not have. I did everything I was told to do and pay only to end up without a home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: TX

Complaint narrative:
This is in reference to complaint XXXX. Experian responded stating that the company verified that the disputed information was accurate as reported, but how can that be when I attached the letter from the company stating that they would be doing a goodwill adjustment. I do not believe that Experian cared enough to open the pdf attached because if they did, they would have seen the company 's response. The company also stated that no one from Experian recached out to do an investigation. Per the Senior Specialist XXXX at XXXX XXXX, this account is to be updated. If this account is not updated in 15 days, I will be seeking legal action. Once again please see the attached letter from the Creditor stating that they sent an AUD and requested that the late payment 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 2023-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
Phoenix Financial Services in Indiana is laying claim to a debt that does not belong to me. The account was opened on XX/XX/2023. I did not open this account. This is fraud. They have not given me a letter of debt verification or contacted me in any way. This debt collection company is claiming fraudulent debt against my name and it is causing financial harm to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/2023, Wells Fargo informed that they would be mailing a new BUSINESS Credit CARD XXXX as a result of fraudulent vendor " manually '' entered use of the existing card, that was to be enrolled in a monthly re-occurring automatic charge to the account. This was reported and confirmed by Wells Fargo customer service as a " Manually '' entered transaction, confirming that the fraudulent vendor was not in possession of the physical card. 


On XX/XX/2023 - XXXX XXXX an automated email notice was received with notice that an automated BillPay program had been activated to this new replacement credit card XXXX for which I as a consumer, never authorized or was made aware of. 

( See Below ) -- -- -Original Message -- -- - From : Wells Fargo XXXX Sent : Friday, XX/XX/2023 XX/XX/XXXX To : XXXX Subject : Bill Pay : New Wells Fargo payee ( s ) added We've added the following Wells Fargo payee to your list of payees in your Bill Pay service. 

Payee name ( nickname ) Payee account number Payee address -- -- -- -- -- -- -- -- -- -- - -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - WELLS FARGO CREDIT CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX If you have questions about your bill pay service, call Wells Fargo Online Customer Service at XXXX. 


========================= Please do not reply to this automated email. 



Complaint : Wells Fargo has activate some sort of AUTO BILL service for a credit card that is not even in my possession and for which has not been authorized by the business customer to be pulled from any of the multiple business checking/saving accounts associated with the business. Automatically linking a credit card account to some checking account without customer pre-authorization or knowledge, in addition to linking it to some " default '' checking or saving account is potentially harmful to the customer, since there may not be funds available and may cause overdraft fees

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 monetary relief
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I recently disputed negative items on my credit file and I have not received a response back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Dear Resurgent Capital Services, I am writing to follow up on my previous letter regarding the debt that is currently on my credit report. As mentioned in my previous correspondence, I did not receive any notification or validation of this debt, which I believe was sent to an old address of mine, located at XXXX XXXX XXXX XXXX, XXXX, NY XXXX. 

I would like to bring to your attention that I have previously disputed this debt through XXXX XXXX, and the company responded that the " Account information disputed by consumer, meets FCRA requirements. '' This clearly shows that I have requested substantiation of this debt, and I have not received any response from your company. 

As per the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide written validation or substantiation of the debt within five days of their initial communication with the consumer. If a consumer disputes the debt, the debt collector must cease all collection activities until they provide the requested validation.

Furthermore, I would like to clarify that I have not lived at the address where the notification was sent since XX/XX/2020. Therefore, it is highly likely that I could not have received any notification regarding this debt sent to that address. 

Therefore, I am requesting once again that you remove this debt from my credit report, as I have not received the required validation from your company. I have attached a copy of my previous dispute through XXXX XXXX for your reference. 

Thank you for your prompt attention to this matter. 
All documents attached to show that matter was disputed, plus previous dispute attached. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I was the victim of identity theft. In XXXX of 2022, a Bank of America checking account was opened in my name. I was able to close this account. BofA representatives instructed me to contact XXXX and place a freeze, which I did in XXXX. I also have freezes with all three credit bureaus. Earlier this week, another BofA checking account was opened in my name despite all freezes ( XXXX and all three credit bureaus ) being active. After speaking with XXXX, they informed me BofA ignored their security freeze. When I spoke to BofA about this, they informed me that this had happened before regarding XXXX and they believe the XXXX security freeze is not working properly. They directed me to the FTC and I have made my way here to report my issue with XXXX and/or Bank of America regarding this issue.

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 2023-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
In XXXX XXXX PHH took over servicing of this loan. I had prepaid the PMI to the previous lender therefore there should have been no PMI charged to this loan when PHH took over. In XXXX XXXX I received an annual notification of PMI on the account. I do not have a copy currently, but I did call the servicer to remind them there should be no PMI on this loan. They confirmed it was just a notification. I received the same PMI notice in XXXX of XXXX and called again to ask why do I keep getting this notification if there is no PMI on this loan. They told me that the PMI was not in place and to ignore the letter again. I asked for documentation to be provided to me in writing that there was in fact no PMI on my loan. I received a letter dated XX/XX/XXXX that stated PMI was active on the account however it was terminated on XX/XX/XXXX ( see attachment letter dated XX/XX/XXXX ). I received another letter dated XX/XX/XXXX congratulating me on the cancellation of PMI and other terms about potentially having to repay any final PMI payments. See attachment letter dated XX/XX/XXXX. In XXXX of XXXX, I received a check in the amount of {$480.00}. I had no idea what it was from. I looked at my account online and it simply was listed as misapplied funds, misapplication reversal dated XX/XX/XXXX. See attachment C. I called PHH asking what the check was for. They said it was in regards to the cancellation of PMI. I said are you sure? I can cash this? They said yes go ahead. I then cashed the check and spent it and no longer have those funds available. You can pull their recordings of these calls over the years I hope if need be. This then led me to question how much in fact PMI had been held in escrow on my account as I had no idea how the figure of {$480.00} came to be. That was the the other part of my inquiry, how that amount came to be. I then submitted an inquiry asking for a total amount of any PMI paid on this loan as well as an explanation in writing of the {$480.00} check noted as misapplication. I received a letter dated XX/XX/XXXX then telling me I was in fact required to have PMI, to ignore the two other letters I received, and that the {$480.00} check was in error and that I had to repay it back to my escrow account. I then noticed on XX/XX/XXXX they charged {$480.00} back to my account listed as mortgage insurance disbursement ( see bottom of attachment C ). I immediately called back PHH on XX/XX/XXXX upon receipt of the letter as I was now utterly confused and the letter dated XX/XX/XXXX did not resolve all of my previous inquiries. I had to escalate the issue. See attached letter dated XX/XX/XXXX. This letter also then indicated PMI would be reactivated on this loan, adding additional confusion. I am also including a copy of the inquiry I submitted to the first servicer when I completed the refinance and paid the upfront PMI premium.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the accuracy of the following item ( s ) on my credit report, which I obtained on XX/XX/XXXX. 

[ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
I believe that the above information is inaccurate and/or incomplete. These accounts have been paid off. And should not be on my report.

Under the Fair Credit Reporting Act, I am requesting that you investigate the disputed item ( s ) and remove or correct any inaccurate information. Please provide me with a written copy of the results of your investigation.

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-04-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute the accuracy of the following item ( s ) on my credit report, which I obtained on XX/XX/XXXX. 

[ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I believe that the above information is inaccurate and/or incomplete. These accounts have been paid off. And should not be on my report. 
Under the Fair Credit Reporting Act, I am requesting that you investigate the disputed item ( s ) and remove or correct any inaccurate information. Please provide me with a written copy of the results of your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I bank with Citizens bank in XXXX XXXX Michigan. On XX/XX/2023 I noticed 9 {$100.00} transactions and 1 {$50.00} transaction. None of which were made by me. I immediately called the bank to report it and have not heard anything or even got a claim number. I called today XX/XX/2023 to see what was going on with it. They had a claim on file for me for that date for $ XXXX which makes no sense. I was only reporting {$950.00}. Anyway even though I'm dealing with identity theft I just noticed right before calling and notifying the bank. The bank is claiming it wasn't fraudulent and won't refund it. This is all part of identity theft issues I'm trying to take care of and notified the government of. It makes no sense how they are refusing to refund these transactions. Everything I claimed they know is due to identity theft. I had to file another, hopefully final claim for payments due to a loan being taken out in my name. With all this other stuff going on with identity theft I'm still finding and learning about currently. They give me no other problems with the unauthorized activity I noticed prior to or after filing this claim and had no problems. Yet the one claim that took the most money out of my account and hurt me the most they are refusing to refund and it's outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Duties upon notice of dispute from a consumer reporting agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) This section requires that whenever a person, such as a financial institution, receives a notice of dispute from a consumer reporting agency regarding the accuracy or completeness of any information the person provided to a consumer reporting agency pursuant to Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. b. delete the item of information. c. permanently block the reporting of that item of information. 

I requested a dispute and investigation into SYNCB/PPC account that shows a balance of {$1500.00}. The account number to this account is XXXX. I have not received an update on this account. I have disputed this account as recently as XX/XX/2023 but I have not received any updates.

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 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Duties upon notice of dispute from a consumer reporting agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) This section requires that whenever a person, such as a financial institution, receives a notice of dispute from a consumer reporting agency regarding the accuracy or completeness of any information the person provided to a consumer reporting agency pursuant to Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. b. delete the item of information. c. permanently block the reporting of that item of information. 

LVNV FUNDING LLC # XXXX is reporting inaccurate information to my XXXX credit report. I have contacted both to launch an investigation on numerous occasions, most recently on XX/XX/2023, but I have not received any information on the investigation. This is a violation according to the law listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Please be advised that I am fully aware of what is being reported on my consumer report. However, the response to the investigation was merely repeating what I stated in my initial request. Your response did not remedy the issue, nor did it respond to my concern about inaccurate reporting. With Wells Fargo being a fair and responsible lender, I expected your financial institution to do what was fair, and responsible by removing the inaccurate account from my consumer report.

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 2023-04-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I opened an account with Ally Bank on XX/XX/XXXX with my current address. XX/XX/XXXX I moved money from XXXXXXXX XXXX to Ally for a better interest rate. Opened a CD and put my husband on the CD. The bank called me stating that my address is not compliant with the Federal Patriots act of XXXX. I have the same address. I have bought a mobile home in this mobile home/ RV/ motel resort. I am being treated like a XXXX! I stated to them yesterday on the phone that not once have they asked for proof of address. Today now they will accept proof of the address. They threatened to close my account because of my address.

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