vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
We are in the process of selling our home to prevent foreclosure. In 2021 three separate Cashier 's check totaling XXXX were cashed and never applied to our account. They are saying that these payments were rejected and sent back to me. My bank has sent proof that two of these cashier 's checks were cashed and negotiated by PHH bank. I sent the email from XXXX XXXX XXXX showing the front and back ( # XXXX the amount of XXXX and # XXXX {$9000.00} were cashed and endorsed " FOR DEPOSIT ONLY XXXX XXXX XXXX ''. I have been going back and forth with their CSRs and they keep repeating that the checks were returned back to me. They don't seem to understand that they could not have sent them back to me once they were deposited into their account. What they should have done was cut me a check for the checks that they had cashed and not credited to my account. I am simply asking for the funds to be sent back to me so i can sell this house. Also, they have included an additional {$19000.00} to the payoff amount previously reported to me. I believe they have double the attorney fees in the " Recoverable balance '' that was sent to the title company halting the proposed sale of my property. Per FDIC rules the cashier 's check could not have been returned to me after they endorsed them, anyway. 
I have asked them to prove that they sent the checks back to me and they haven't because they didn't, it would have been impossible. I BELIEVE THAT THEY ARE TAKING ADVANTAGE OF ME BECAUSE OF MY AGE.

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 2024-11-26 00:00:00
Product: Credit reporting 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:
Dear Sir/Madam : I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence.

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 


Account Name : XXXX  XXXX Account Number : XXXX Highest Balance : {$640.00} Account Name : XXXX Account Number : XXXX Highest Balance : {$0.00} Account Name : XXXX XXXXXXXX Account Number : XXXX Highest Balance : {$5900.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Highest Balance : {$0.00} Account Name : XXXX Account Number : XXXX Highest Balance : {$6200.00} Account Name : XXXX Account Number : XXXX Highest Balance : {$17000.00} Account NamXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Highest Balance : {$770.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Highest Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Highest Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Highest Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Highest Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Highest Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
Paypal pretend to do investigation on wrong business practice of company XXXX, XXXX. 
XXXX sent me wrong size shoes, and refuse to provide shipping label for the return if item. 
Then they offer 30 % discount, then offer to send another pair of shoes. 
Finally I filed claim with PayPal, but no investigation were conducted. My claim was denied next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit 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: NY

Complaint narrative:
sent letter on XX/XX/XXXX disputing amount of charge for XXXX car rental. I included a copy of my credit card bill, and copies of the confirmations from XXXX. 
When I arrived at the airport, XXXX refused to honor the amount of my reservation, and insisted on a much higher charge. I spent over an hour at the counter, showing them a copy of the confirmed amount. The kindly desk agent called multiple times to get authority, and after the third call, told me they were charging a lower amount because of the failure to honor the reservation and the delay. There was no one at the desk when I returned the car, and I never got an invoice. My XXXX bill reflected the amount demanded at the airport. 
I explained all this in my letter to Chase. I got a letter on XX/XX/XXXX, saying they would deny my claim unless I contacted them. I did so immediately. The person who answered the phone stated that their " mandate '' was they could take no action unless I provided them with an invoice from XXXX. 
I never received the invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I reviewed my credit report this morning, I was horrified to see inaccurate accounts listed, and I have no clue how this happened. I check my credit report regularly, but these errors appeared out of nowhere. Refreshing my browser didnt fix the issueit wasnt a glitch, and the inaccurate accounts remained. Im urging a detailed review of the documents Ive submitted to ensure I never have to deal with this again.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Equifax Credit Report.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy of completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED immediately : XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days old.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby required as well, to ve provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Name : XXXX XXXX Name : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Collection/Charge off XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XX/XX/XXXX {$460.00} XXXX XXXX XXXX XX/XX/XXXX {$480.00} XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$55.00} Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: NY

Complaint narrative:
I am writing to formally dispute two {$5.00} service fees charged to my account o

n XX/XX/XXXX and XX/XX/XXXX, totaling {$10.00}. I received a letter from U.S. Bank sent out on XX/XX/XXXX indicating that my account could be subject to a dormant fee unless I performed one of the following actions to keep it active : Log in to the U.S. Bank Mobile App or online banking. 
Make a deposit or withdrawal. 
Transfer funds between accounts. 
Visit a branch or call 24-hour banking. 
Sign and return the Account Acknowledgment portion of the letter. 

I have met the requirement by logging into my account through the U.S. Bank Mobile App and website in XXXX, XXXX, XXXX, and XX/XX/XXXX. Despite this, I was charged a service fee in both XXXX and XXXX, which is clearly an error. 

I kindly request that U.S. Bank refunds the {$10.00} that was incorrectly charged to my account. Please review my account activity to verify my login history and confirm that the fees were unjustly applied. 

Thank you for addressing this matter promptly. I look forward to your response.

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 2024-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XX/XX/2024 i attempted to login thru their APP. According to the XX/XX/2024 statement they are CHARGING ME INTEREST TWO TIME FOR TWO DIFFERENT CATEGORIES. 1st i have not made any CHARGES utilizing this card recently, NOR have I made any BALANCE TRANSFERS, therefore i can not be LEGALLY CHARGES for Making A balance transfer XXXX XXXX XXXX XXXXXXXX months ago PLUS be charged for making a PURCHASE ALSO!! Also displayed in the very same statement is SAYS CARD IN RESTRICTED STATUS. Do to previous problems with making a payment from my husbands accounts & BOA NOT PERMITTING me to access MY Credit Card thru their APP, & same thru their web portal. When i called a spoke with a REPRESENTATIVE WHO DISTINCTLY STATED TO ME THEY WOULD TURN MY CREDIT CARD WITH {$450000.00} CR LIMIT BACK ON SO IT MAY BE USED & ALSO DO SAME FOR APP & /OR WEB PORTAL ACCESS for me to view & pay thru EITHER this has not be do e. Last time i called BOA & again spoke with their representative they stated to me I had to REAPPLY FOR SAME CREDIT CARD. Why dies a bank permitted to Blatantly OUTRIGHT LIE TO CUSTOMERS/CLIENTS & the government in this USA NEVER PERSUE CRIMINAL CHARGES & FINES PLUS PENALTIES, NOR DO THEY REQUIRE SAME BANK TO DO WHAT THEY TELL CUSTOMERS/CLIENTS? I paid money on my account today XXXX I HEREBY REQUEST THAT BOA & MAKE GOOD ON ALL I HAVE BEEN TOLD IMMEDIATELY and FULLY AND COMPLETELY RESTORE MY ACCOUNT TO FULLY FUNCTIONAL PLUS ABATE THE ADDITIONAL PURCHASE INTEREST THEY ILLEGALLY CHARGED ME.

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 2024-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gatestone & Co. International Inc.
State: ID

Complaint narrative:
Notice of Dispute XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX To whom it may concern. 

I recently received a copy of my credit report online and found that you are illegally reporting The inaccurate and malicious information about me on my credit report. 
The following accounts, Name, Addresses and phone numbers! 

Not only is the information incorrect you also aided this creditor who has violated my right to privacy in accordance with " The Fair Credit Reporting Aet ''. 
This Creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy. 
( 15 USC 1681. ( section 604A section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions. 
As well as 15 U.S. Code 1681a paragraph 2 sub paragraph a subsection i states transactions are not included in the consumer report! 
Pursuant to15 United States Code. ( 6801 ) you ( CRA ) are disclosing unauthorized use of information and that is causing me inconvenience and harm to my life liberty and pursuit of happiness! ( 1681, C-2 ) -1681 ) ( I, E, B. ) as well as 18 USC. 1341 an Many more violations of law, such as CFR. fair credit reporting act, Uniform Commercial Code violations, as well as.

According to " The Fair Credit Reporting Act I have a right to a fair and accurate credit report. 
Therefore any information that is not true, inaccurate and unverifiable is required to be removed. 
I demand you remove the inaccurate account immediately to avoid further persecution from CFPB and Federal Trade Commission. As well as cease and desist from further malicious unauthorized disclosure of information which may further hinder my life liberty and pursuit of happiness!

Please send me an updated copy of my credit report showing your compliance with all FCRA and XXXX XXXX  Reporting requirements. 

With Great Sincerity ( XXXX XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Name : XXXX XXXX Name : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Collection/Charge off XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2000.00} XXXX XXXXXXXX XX/XX/XXXX {$460.00} XXXX XXXX XXXX XX/XX/XXXX {$480.00} XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$55.00} Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
Since XX/XX/2020 someone has been using my personal identification information to open new accounts and personal loans. Please help me to resolve this issue with experian the credit reporting agency.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I recently checked my credit report and noticed an inquiry from your company that I dont recognize or remember authorizing. This is really concerning, as its affecting my credit score and causing me a lot of stress.

Company response to consumer: Closed with explanation