vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-14 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: DE

Complaint narrative:
As being a victim of identity theft. I have repeatedly sent all files and documents to EQUIFAX and XXXX. These companies will not follow cfpb guidelines for all identity theft cases. It has been 120 days and they will not remove all accounts that was opened fraudulent in my name! I have sent everything they needed to prove my case. Under your code of 605B " BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT [ 15 U.S.C <1681 c-2 ] theses companies are not following this rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: ID

Complaint narrative:
I have kept COPIES all of the XXXX XXXX XXXX BANK Cashier Checks XXXX XXXX money orders for the last 2 years since OCWEN/PHH formed their marriage XXXX Previous OCWEN alone were XXXX amounts. OCWEN/ PHH were {$480.00} amounts. 
When I was using OCWEN due to the home insurance here for my place in XXXX jumped to $ 1700 year. OCWEN was then {$790.00} to $ 900 year. So I knew they only covered the cost of the money. Payments went up to {$570.00} I started using them for the 1 year. I RESTARTED a new XXXX XXXX XXXX the rates were {$98.00} month in XX/XX/XXXX. Their rates were less than the others ; XXXX XXXX ; XXXX XXXX, and coverage was the same. OCWEN/PHH came XXXX the with my payments were late XXXX XXXX. I paid the {$24.00} dollars with a separate check. from then on they continued with the scam, to ruin my XXXX rating. It was then, I read about this Case in XXXX XXXX XXXX, Idaho that made me start thinking about the particulars. OCWEN vs XXXX they had the cops evict them from their home and business. Well then my Checks would disappear and show up weeks later but I had already started making copies of everything I sent to OCWEN/PHH they continued to losing my moneys and continued every month with late payments and attacking me with on my XXXX score to prevent me from being able to Refinance. They alone intentionally was looking to stealing my XXXX, by going into foreclosure. I would apply at other places and they would give me answers like you haven't made a payment since XX/XX/XXXX. A lot would just not call back, or say if you raise your FICO we would be interested. My checks always had my ID # number on them XXXX and the Due date as month and day. My XXXX XXXX XXXX XXXX checks were cash through XXXX Bank. The XXXX XXXX XXXX Orders there is a question. Maybe 6 out of the 2+ years. I have my paper trail but getting my XXXX Bank paper trail would be difficult for me. I believe my # is a XXXX #. I get my SS Deposits either on the XXXX of the month up to the XXXX the month. I always purchase my payment between those dates. Everything I SEND always attach CERTIFIED MAILER, plus the copies which proves I paid before the XXXX of next month. I have those but there at the XXXX XXXX XXXX XXXX XXXX XXXX. The payments for XXXX XXXX XXXX they sent back without cashing them. But I have the CERTIFIED XXXX AND COPIES. XXXX XXXX XXXX  passed to me my XXXX now less than XXXX. There may be things I should include that are possible but it is now XXXX Sunday the XXXX I could try to send more. My XXXX XXXX XXXX seems over whelmed. I want to take this thru a XXXX XXXX as XXXX, Idaho. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Idaho XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: TX

Complaint narrative:
Only Offered me 15-year fixed loan XXXX  Call from XXXX XXXX concerning my XXXX credit score Placed a fraudulent credit report in file Required me to have total of XXXX savings After I produced bank statements required additional XXXX Accused me of my mortgage being in Forbearance Demanded two letters from my mortgage company showing not in Forbearance Denied my mortgage application Stated my monthly income didnt match {$8000.00} False information stating my rental income only offsets the cost of keeping the home Refused to accept rental income of {$3000.00} / Mortgage for property XXXX Refused to accept seventy-five percent of rental income per Government Mandates Refused to accept Monthly Rental Contract from HUD ( US Government ) ( {$3000.00} ) Refused to accept sign lease and contract from tenant XXXX XXXX Never ask for proof of rental payments since start of lease Denial mortgage because debt to income ratio not 50 % or less before loan approval My monthly income is {$1600.00} short In closing if you evaluate all the falsely adverse conditions that was required of me to get approved for this mortgage application with Better Mortgage you will find undisputable evidence that I was discriminated against due to me being a XXXXXXXX  year old XXXX American man. Mr. XXXX XXXX clearly falsely spoken when he stated As I previously mentioned, to move forward your monthly debt-to-income ratio ( all monthly debts up against monthly income ) needs to be 50 % or less. As your loan is currently structured, we need to verify {$8000.00} XXXX in income ; we have accounted for {$6000.00} in pension and {$380.00} in social security for a total of {$6400.00}, which leaves us short of {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: TN

Complaint narrative:
I have several inquires listed on my credit report that I don't know anything about. I just noticed when I accessed my credit report. This was not done by me. I have explained this several times. Please delete this fraud information. 
XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 2021-11-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
Ive worked with XXXX and National Credit Adjusters, the collection agency. It was paid in full XX/XX/2020 but remains on my credit as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
For the past 2 weeks Ive received multiple hang up calls from a credit collection agency named merchant credit guide I never spoke with anyone regarding an account or bill untill I spoke with someone on Tuesday ( not regarding any account regarding the hang up calls ) after being hung up on and told them to stop calling me and hanging up as a consumer Im fully aware of my rights today XX/XX/XXXX I received a notification regarding my credit being hit with a derogatory mark and its from this company merchants credit guide I want this mark removed from my credit immediately as proper steps for notification and validation for this said debt has not been made prior to putting a derogatory mark on my credit IM the ALSO disputing the validity of the bill Im requesting a print out for whatever the said debt is if the mark isnt removed immediately I will be moving forward with litigation as this is a violation of my rights this debt is not mine Ive never even done business with this said company

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: NY

Complaint narrative:
I have made all the necessary communications with all entities which had recorded wrong and/or misspelled names such as missing name part, inversions between given and family names etc. This has been requiring lots of energy, times and money. Now after this tedious cleaning process we still see in Experian records and their successive credit history eidtions many of these errors and inaccuracies persisting and not being flushed, although we did submit in various occasion our proof of ID, residence, all bearing the very right and full spelling at the perfectly right address. Most important, as my full name is made of a combination of extremely common given names and family patronyms, every inversions, substitutions, omissions, or misspelling are particularly prejudicial, dangerous and are opening doors to the highest risk of identity spoofing and, at least will induce a mix with other existing individual sharing some near name combinations. As the mission of a credit bureau, being one critical tier of trust in numerous transactions of the daily life, one of its main commitment and civil responsibility before citizens is to ensure the best identity integrity and protection. In my particular case it is very relevant that Experian removes rapidly all sources of identity confusion, all risk of ID spoofing and ensure they do efficiently and actively contribute to synchronize with all meshed systems a unique and correct patronym associated to my SSN. And not the other way around, that is to say being an agent propagating mistakes by leaving tiers which do query the credit bureau record with erroneous answers ( Eg. confirming that my SSN is associated to another person who shares part of my name. ) The credit bureau can not be a dictionary and a register of all past mistakes. Lastly, as Experian do not provide the precise list of furnishers by ID number which keep and report erroneous data they leaves us without any means and without any recourses to duly act and protect our identity efficiently when our names and patronymes are so common.

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 2021-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MT

Complaint narrative:
On Monday the XXXX of XXXX I opened a checking account online with Citibank i deposited a {$370.00} cashiers check issued to me from XXXX XXXX the check was cleared and available the next day on XXXX XXXX I proceeded to wire transfer {$340.00} out and later that day I received a message that the transfer was cancelled it advised they could not reach me for further verification but I never received a call, email or text then later in the day I tried logging into the account again and I was locked out so I called the XXXX number and they looked into it and said that the check was fraudulent so I called XXXX XXXX and they said the check was cashed and deposited and there wasn't any problem as far as fraud so I called Citibank back and they finally got me to another dept. that after a long hold told me Citibank no longer wanted to do business with me and that I would receive a letter in and any remaining balance in 30 to 60 days i tried to explain that there must be a mistake and unfortunately I don't have these peoples names because I could barely understand them but i got no where I then went on XXXX and actually got a customer service rep from the states to call me her name was XXXX she looked into it and advised the same thing and also said 30 to 60 days and a refund if there was anything to refund I said well how could there not be a refund to the entire amount when I was blocked from having access 2 days after I opened the account? they will not tell me why they think its fraud I have offered any identification or anything else if there was doubt about who I am but i don't understand why they cashed if it was fraudulent which it wasn't now I have spoken with a number of people who are saying they do this a lot. Holding my funds for 30 to 60 days is unheard of especially when there isnt any fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
On XX/XX/21 American Express declined payment to my phone company XXXX XXXX, stating that it was a fraudulent transaction of {$100.00}. Subsequently XXXX XXXX turned off my phone service. 
I then had to use my XXXX XXXX Visa to reinstate my phone service. I was shocked that Amex made such a determination. Amex said they made that fraudulent determination because I had never charged {$100.00} or more on my card! I found that an unworthy determination as I had recently received a substantial credit line increase from them. I didn't know I had to ask permission from AMEX to charge {$100.00} or more or have them decline the charge! I had to pay XXXX XXXX with my XXXX XXXX Visa to reinstate my phone service. 
I was so embarrassed! XXXX  may consider me unfavorable in the future, due to this slanderous transaction. 

Amex in XXXX tried to cheat me o ut on one of their gasoline offers. Buy {$20.00} get a {$10.00} rebate! I bought the gas the Amex told me I didn't qualify for the {$10.00}. I reported it to CFPB and was finally given the rebate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
In XXXX I financed a car from XXXX XXXX XXXX  XXXX with 2 extra coverages.It was totaled 3 weeks later. I informed XXXX and was told the policies would be canceled. For two months I was in contact with the dealership almost weekly and was informed I could pick out another car, which I did. I was informed a week later that I was not approved and had to return my vehicle. Fast forward to XXXX I checked my credit report to find I still owed a balance to the finance company Santander Consumer USA. After disputing and contacting them I was informed XXXX XXXX XXXX  XXXX never canceled my original policies on the vehicle that was totaled. I was informed by XXXX XXXX that they could only issue out one check and that the other had expired and there was nothing he could do. I hired an attorney and informed Mr.XXXX of this decision and was told they would reissue both checks so we wouldn't have to go to court. I waited over a year and they finally issued the last check XXXX of XXXX. The account has been fully paid off but still has a balance on my credit report. I have called Santander  and they only issue me a paid in full letter but will not report that it is paid in full. I have disputed this with each credit Bureau with the paid in full letter but the balance still remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XXXX I financed a car from XXXX XXXX XXXX  XXXX with 2 extra coverages.It was totaled 3 weeks later. I informed XXXX and was told the policies would be canceled. For two months I was in contact with the dealership almost weekly and was informed I could pick out another car, which I did. I was informed a week later that I was not approved and had to return my vehicle. Fast forward to XXXX I checked my credit report to find I still owed a balance to the finance company XXXX XXXX XXXX. After disputing and contacting them I was informed XXXX XXXX XXXX  XXXX never canceled my original policies on the vehicle that was totaled. I was informed by XXXX XXXX that they could only issue out one check and that the other had expired and there was nothing he could do. I hired an attorney and informed Mr.XXXX of this decision and was told they would reissue both checks so we wouldn't have to go to court. I waited over a year and they finally issued the last check XXXX of XXXX. The account has been fully paid off but still has a balance on my credit report. I have called XXXX and they only issue me a paid in full letter but will not report that it is paid in full. I have disputed this with each credit Bureau with the paid in full letter but the balance still remains.

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 2021-11-14 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: CCS Financial Services, Inc.
State: VA

Complaint narrative:
On XX/XX/2021 credit XXXX collection ( XXXX ) was removed from XXXX and has now been placed back on my account. Ive disputed the account explaining the account was not mines and was not in my name. Ive reached out to XXXX, credit Coll collection , and the credit bureaus to have information removed/corrected. However the collection account is still reporting negatively. Credit Coll is also reporting negatively on XXXX as this account is not mines it should be deleted from report. XXXX was removed from XXXX XX/XX/2021. The account is not in my name and doesnt belongs to me. Also l will like to file complaint against XXXX XXXX /XXXX XXXX for reporting differently on different account and reporting inaccurate information. ( LATE PAYMENTS ) XXXX XXXX is reporting positively with 100 % on time payment on equifax but reporting negative on XXXX and XXXX. Contacted them to have information corrected, and to report positively on XXXX and XXXX as well, account is still reporting negatively on 2 accounts ( XXXX and XXXX ) and positive on XXXX. The account needs to reflect positively payment reports to all 3 bureaus. I will like to file complaint with XXXXXXXX  XXXX account was paid /closed and on time, they are reporting incorrect information and also reporting differently as far as late on each credit report. Please have these late reportings deleted its paid/closed and reporting incorrectly. Ive been getting denied for home-buying due to this negative information reporting on my report, Im a single mother with XXXX kids. My home is molded Ive been trying to move and this has been causing me to be denied please assist.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I called Ally Bank to report identity theft. An overwithdrawn amount was sent to collections that I did not know about. I have been trying to dispute with Ally Bank debit for my checking account and had no chance to dispute it with the collections agency because I had no idea it existed. 

Someone tried to cash checks in my name. Overwithdrawn by XXXX and sent to collections.

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 2021-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Monarch Recovery Holdings, Inc.
State: NJ

Complaint narrative:
XX/XX/2021 This company is call tracing and calling everyone involved with me.

They are not even letting me get into my account and may have sold it off with out reason or notice.

Due to Covid and life events, I am having by alot of trouble making ends meet and they are no where to be found. 

People have so many XXXX and XXXX  complaints online. 

They stopped using my file number or accepting payments and I needed to make arrangements or even questions the validity of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: TX

Complaint narrative:
hello; last year i reach out to XXXX XXXX XXXXequesting an explanation why they ding my credit ; they blame me for applying for car loan which was incorrect ; it turns out not only was my identity used and they provided another XXXX dollar credit ; but they lied about it ; now on my credit when I ask for an increase they only increased my XXXX year account by XXXX ; I don't understand how someone who isn't really me could get a account and still use my credit without my consent and lower my score ; I need 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 2021-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I never received an item I ordered from XXXX. I filed a dispute with Cash App on XX/XX/2021. I've yet to hear anything about my dispute and in the policy cash app stated it's 10 days until I hear anything and still have yet to hear anything from cash app about my dispute.

Company response to consumer: Closed with explanation