vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-01 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
We have a reverse equity line-of-credit mortgage that got assigned to Ocwen, which has now changed its name to PHH Mortgage. We have almost {$70000.00} available to draw upon. On XX/XX/2022, we submitted a draw request for {$15000.00} ( I have a contractor for home repairs ready to go when I get the money ). PHH says that the draw request will be processed within five business days of the request. On XX/XX/XXXX, I got a call from PHH in which they said they were confirming how to make a direct deposit in my checking account. Having received nothing, I called PHH on XX/XX/XXXX. The person I spoke with denied that I had make the request on the XXXX, and said that it had been made on the 21st, and that I would get the deposit on XX/XX/XXXX. Late on XX/XX/XXXX, having received nothing, I called them again. The person I spoke with said that my request had been received on the XXXX and that no one had taken action on it and she would put in for an expedited deposit. She said I should get it today, XXXX XXXX. My bank has received nothing today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XXXX XXXX, never gave us time to submit packet for modification, and short sale consideration and foreclosed on our home on XX/XX/2022. Please advise what options we have at this time...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX 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 Enclosures : Social, ID, Identity Theft 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 2022-02-01 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: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: Aargon Agency, Inc.
State: OH

Complaint narrative:
Hello, I just checked my credit report today and it has a new unknown inquiry that has appeared on my XXXX XXXX report on XX/XX/22 stating that I owe a balance of {$3700.00} to XXXX XXXX  XXXX by way of XXXX XXXX. I spoke with a collection agent from XXXX today and the residence that theyre saying I owe a power bill balance for, I never even lived at, nor do I know anyone in that area. So the agent advised me to contact you and to file a Fraud ID 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 explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paradigm Assets, LLC
State: FL

Complaint narrative:
XXXX XXXX ( a collection company who buys accounts to harass consumers with no founding proof ) has created a collection process that is erroneous and unfounded. This company has ruined my credit by posting incorrect debt and amounts of debt on my XXXX and XXXX credit report. The information is incorrect on both reports. XXXX has a 10-year debt on my credit report and in an illegal attempt to prolong their attempts to illegally collect a debt, they updated the account in XX/XX/XXXX. This account has been disputed since then for {$27.00}, XXXX, an exaggerated amount because this company continues to add illegal fees. According to the Bureau of Consumer Protection, XXXX must prove they have the right to : 1 ) Add their personal fees to a debt they buy 2 ) Prolong a debt, this debt should have been deleted from my credit file in XXXX 3 ) Collect from a consumer in another state ( Florida ) during a pandemic 4 ) Threaten a consumer who has no form of income during a pandemic 5 ) Attempt to collect monies without legal consent. 
Provide proof that it is lawful and accurate for XXXX to add erroneous fees to the original amount of debt. Provide proof that XXXX can attempt to collect a debt from a consumer in the state of Florida and add their fees. Provide proof as to why they are owed a debt. Provide proof that the consumer communicated with the company and was aware that there would be a collection account added to the consumers credit report. Provide proof that it is lawful to add a debt as if it is revolving credit. 

This company is not to contact me about any debt nor harass me since I did not receive lawful correspondence from this company. If this company continues to do unlawful practices I will sue them in small claims court. This collection has drastically damaged my credit report and I certainly will not deal with bullying or discrimination. Each credit report is reporting incorrect information from XXXX. I will contact XXXX XXXX XXXX and the XXXX XXXX XXXX because this company conducted 5 plus soft pulls on my credit monthly to monitor my credit report ; another illegal act. This is harassment and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: Millco Management
State: NC

Complaint narrative:
I am a victim of identity theft.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: Radius Global Solutions LLC
State: NC

Complaint narrative:
I am a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Last year I discovered a false account with XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX refuses to stop reporting. They are removed from XXXX. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine. 


XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01 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: CA

Complaint narrative:
Last year I discovered a false account with XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXXXXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX refuses to stop reporting. They are removed from XXXX. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine. 


XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: NC

Complaint narrative:
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 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01 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: GOLDMAN SACHS BANK USA
State: OK

Complaint narrative:
Apple says I have a CC. I dont have a apple CC they rept said go here they couldnt help Nothing has been charged its just apple fees XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ok XXXX XXXX I want this CC to go away.. please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Date:XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX American Express XXXX XXXX XXXX XXXX XXXX, TX XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by American Express On XXXX applied for The XXXX XXXX  As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). American Express has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me is both a proof and evidence that I have been discriminated against, you are also criminally liable. American Express should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
BEST, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: TX

Complaint narrative:
XXXX, XXXX, AND EQUIFAX have commited identity theft on my personal credit report by being deceptive. Fraud is deceptive. Deception means you are giving an appearance on something that is misleading. According to the FCRA, 15 USC 1692e, you can not use any deceptive/misleading representation. These practices can not be utilized on my credit report for PRIVACY. It is DECEPTIVE, because XXXX, XXXX, and Equifax are telling my private information to the public people without my consent. I have private information being publicized. A consumer reporting agency can not furnish anything unless it was initiated by the consumer, which is myself. Which I never authorized them, resulting in deception! 15 USC 1681b ( c ) ( 3 ), 15 USC 1681d ( 1 ), 15 USC 1681m ( d ) ( 1 ) ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ;, 15 USC 6802 ( e ) ( 2 ) go in further detail of how I've been deceived. These accounts are deceptive, they are breaking my privacy rights and need to be removed! Not just that, but they are reporting inaccuracies throughout my consumer profile!! According to the FCRA, everything has to be reported accurately. 15 U.S.C. 1681i 55 ( e ) Treatment of Complaints and Report to Congress ( 1 ) In general. The Bureau shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 603 ( p ) contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved. These accounts are deceptive and inaccurate : EQUIFAX- ( Original Creditor : ). ACCOUNT NUMBER:XXXX XXXX- Account name XXXX XXXX. Account number : XXXX Account name : XXXX XXXX Account numberXXXX. NEVER WENT TO COLLEGE. 

Incorrect personal information that needs to be deleted : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Do not place a fraud alert on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
In XX/XX/2021 I made a mistake by sending a balance transfer payment to Apple card from XXXX. I called Apple regarding the situation and they told me that they could do a payment dispute which would send the money back to XXXX which is what I wanted. The transaction was reversed on XX/XX/2021 but the funds were never credited back to XXXX. After 2 payments disputes to figure out where the money went and me calling several times, I finally got a resolution but the one I wanted. Apple card supposedly sent the funds to an account that did not belong to me which I don't know how that was possible. After two months and several calls with managers and complaints, Apple card sent me a cashier 's check for {$2000.00} on XX/XX/2021. Because they sent me a check instead of crediting XXXX, XXXX was not able to reverse my {$78.00} transfer fee. I have called many times of this issue and no one at Apple card takes responsibility and I can not hold anyone accountable. It should have never taken 2 months or a payment dispute to have my money refunded. I have asked for someone with authority to call me regarding the issue and not once have I received a call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On my TransUnion credit file, the follow inquiries are not correct : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I called the company and informed them of a cease and desist and they proceeded to remove fund from my account without my permission or knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
The 3 Credit Bureaus failed to notify me about the issue on CAPITAL ONE BANK USA N with account number XXXX. Thus, I have seen a lot of errors in the recent report which is not acceptable since it is hurting my credit score tremendously. There is no complete payment history and remarks were totally different from each of the bureau. This account should be removed since it is no longer used unless they can provide proof to validate the result of their investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PENTAGON FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I made a return on XX/XX/XXXX at XXXX p.m. at XXXX XXXX XXXX a car dealership. The charge was for holding a car so that it would not be sold. They refunded the hold on my credit card which is {$300.00} on XXXX 2022 at XXXX p.m. I have the receipt. PenFed credit Union the issue of the credit card, has been telling me if they can see the return as pending since the date of return of the hold. They told me I needed to be more patient and wait 7 to 10 business days, lecturing me on how holidays and weekends don't count. Telling me that they would give me a refund for all the interest I am accruing everyday the {$300.00} is on my card. Till today XX/XX/XXXX when I call to check on the refund since it's not showing on the app, they say they don't see the return pending. That I should do a dispute of the charge today. I asked for a supervisor to call me, because I felt like saying that I did not use the card to hold a vehicle on the XXXX was kind of a lie. They told me that was my only option, even though I have had XXXX different Representatives tell me they saw the item as pending that I just needed to wait. They are very rude, I have reached out to the dealership they gave me the finance manager name phone number I talked to him, he has offered to talk to them directly to resolve this issue. I have offered to give him his name and phone number but they are not really concerned and do not really want his name or number. Now today they are telling me I'm not going to be able to get my money till XX/XX/XXXX. Which is totally new. It seems like every time I call I hear a different story out of PenFed I have a copy of the receipt I've called the car dealership who gave me the return twice, they don't know what the problem is why they won't give me the credit even though it was pending on their side for over a week. So they're very blont with me today telling me I was just going to have to wait till XX/XX/XXXX now so they're going to charge me interest on this {$300.00} from the XXXX all the way to XX/XX/XXXX. If you need to know any other information like credit card number a screenshot of the receipt or anything like that I will give it to you.

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 2022-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: SD

Complaint narrative:
I have two accounts with NetSpend ( XXXX XXXX XXXX ). I requested they close the accounts after I withdrew my entire balance from BOTH accounts in XXXX of 2021, and requested an account cancellation for both accounts at that time. I was informed I could only do so via an e-mail request, and made the appropriate request for both accounts, and have never heard back despite submitting several requests over the course of the following months. I continue to receive monthly statements despite no balance in either account and want to be sure NetSpend cancels my account. 
Account Numbers : XXXX 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 2022-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RevMD Partners, LLC.
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation