vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I have tried doing refinancing with XXXX XXXX and got accepted with a XXXX month trial period on my mortgage. They excepted my money in for XXXX months then on the XXXX month they told me I didnt sign the paper work which they had no proof on that they sent me. My lawyers asked multiple times the company never replied back. They restarted the XXXX month trial period again raising the loan modification payments by {$150.00}. I said okay and then successfully paid the XXXX months again and on the fourth month they sent my certified check again and told me the same thing and increased the loan modification payment and started the XXXX month trial. They expected my month from XXXX of XXXX and ask of XX/XX/XXXX when I have sent them month each month until XXXX sent me my money after XXXX of XXXX and put my house up for foreclosure. I had to pay XXXX dollars to my lawyer to talk to them but they dont get back to our phone calls. I have never missed a payment with the loan modification nor being late. They didnt even inform me it was going to foreclosure until XX/XX/XXXX of XXXX when they were suppose to 30 days before. The foreclosure papers says XXXX XXXX but my loan is though NewRez. Please help!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: VA

Complaint narrative:
The date posted is XX/XX/2023. Reference number XXXX. For RMP services, LLC. XXXX XXXX XXXX. XXXX, OH XXXX. I am filing a dispute for my son who is XXXX XXXX XXXX. XXXX XXXX. Whose on the bill. He can not pay a XXXX balance on his account. Since, he is only XXXX XXXX XXXX. So, from here on I am providing enough information. That his father XXXX XXXX will be taking on his debt. This is not the XXXX XXXX XXXX debt. At the time, of service his father was the one present. Therefore, under law he is required to submit paperwork and therefore be disputed his debt from this day forward. The collection company should not be billing my child at this point. Thank you for your time. Hope to be in contact with your company about this matter. At this point this is serious matter. In that, the hospital was responsible for the well-being and care of a child. And allowed an adult to provide false information about a debt that should not be collected in his name. For services. The child is not at fault for services that were rendered to him. And provide a XXXX XXXX XXXX with debt that he is not responsible for. I will be in touch with your company. No correspondence is to arrive in my mailbox under my childs name. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Carrington Mortgage has not been applying payments from the Home Assistance Funds that I was awarded instead they are treating my account as a loan modification with a higher interest rate 5 %. they are reporting me to the credit bureau, and calling me constantly about being behind on my payments. The keep sending me letters about foreclosure and no one can give me a straight answer of where the government fuds are. They have not updated my escrow which is lower now that I have a lower insurance premium. They are charging me late fees and not applying the funds from the government correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Difficulty filing a dispute online with XXXX XXXX they are repetitively reporting in accuracy is displayed on my credit reporting that needs to be fixed or removed immediately displayed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: NY

Complaint narrative:
Difficulty filing a dispute online with XXXX XXXX they are repetitively reporting in accuracy is displayed on my credit reporting that needs to be fixed or removed immediately displayed

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 2023-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: OH

Complaint narrative:
I set up automatic payments with Ability Recovery Service ( XXXX ) that was to begin XX/XX/XXXX and {$50.00} XXXX payments were supposed to come out automatically. The company however decided to take the payments out on days that were not authorized. The first payment was taken out of my account on XX/XX/XXXX however, the next payment were taken out XX/XX/XXXX XXXX, XX/XX/XXXX XXXX. When I called the company to inquiry why the payments were taken out on these dates and not the dates that were authorized, the representative called me a liar and begin to yell at me. when i asked to speak with a supervisor, the supervisor stated they will take the information and look into it but the issue at hand is repaying the debt and begin to pressure me to discuss repayment. The supervisor completely disregarded the issue and my complaint. I asked the company to stop all auto payments and submitted a complaint to the attorney general. By running payments on dates that were not authorized this company did not comply with the XXXX law nor did they care to fix the 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 explanation
Consumer complaint received 2023-02-07 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: GA

Complaint narrative:
I reviewed my report and i see that i had two late payments on this account that i was never late for. Consumer Reporting Agencies have a vital role and responsibility to report consumer information to the best of their ability and maximum Accuracy. I have never been late on payment for the account XXXX XXXX XXXX XXXX. Please investigate and provide proof with statements showing that these payments were late. if proof can't be provided i demand this account 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 2023-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened my account with US bank on XX/XX/2023 with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX trying to access to my online banking and is giving error, I cant access. 
I sent XXXX emails to XXXX to see what is going on and how to fix it, but she is not answering.

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 2023-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I just find out wells fargo finance XXXX XXXX XXXX to me for charging me {$7.00} XXXX on my My loan was XXXX My montly payment is XXXX From here they charge XXXX XXXX interest dayly making XXXX on montly interes this is like 50 % interest montly please let me know what can i do thank 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 explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
I tendered payment via an ambiguous negotiable instrument in the form of XXXX XXXX XXXX XXXX XXXX in the amount of XXXX in accordance with HJR-192, UCC 3-603 and UCC 3-311 to One Main Financial on XX/XX/2022. They did not accept my legal instrument and refused to credit my account according to public law and are in dishonor in question without levy and without recourse. I have been denied my rights by this company choice to not honor even though it stated they are too under UCC 3-603 and 3-311. as well as public law of a Negotiable instrument

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
Hi, I opened my checking account on XX/XX/2023 at XXXX XXXX XXXX XXXX, XXXX, PA XXXX with XXXX XXXX. Now im having issues accessing to my online banking, I could enter but now the system is giving error.

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 2023-02-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I received an email from Citibank on XX/XX/XXXX saying they are sending me a new debit card. The following day I received another email from Citibank saying I signed up for online services. I googled the number in the email to verify that it was in fact Citibank and the number seem to match XXXX on file for Citibank. I called on XX/XX/XXXX to notify Citibank that I had not open an account with them. They transferred me to their fraud department. I spoke to a woman who refused to give me her name or location. After I threatened to go to the police, she gave me her location, XXXX, but not her name. She then told me that she had successfully blocked the account and forwarded the information to their investigation department. I asked for an email confirmation to prove that the account was in the closed. She told me I would have to wait 30 days. I find it incredibly strange that they would send out an automated email immediately after an account is opened but a person closing an account would have to wait 30 days. I question whether the individual I spoke to actually works for Citibank. I believe they might actually be part of the fraud and would like this issue investigated.

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 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion, I have called in 4 times - a total of over 2 HOURS on hold - could not speak to the correct person.

I am again unable to get my credit report from your website - https : //service.transunion.com/dss/disclosureError.page What kind of company do you run where people cant even get through for over 2 hours on 4 separate calls?

I am able to log into that account - but see attached for what I see.

I need access to my credit report immediately - its the law and my right.

Attached to this are : - my drivers license - my social security card - my mailing address - screen shot I see trying to log in

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 2023-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I changed my password for online banking a couple of days ago and now im not being abble to access to my online banking, I called customer service and they said that my account need to " cool down '' to be abble to access. 
I made this change on the branch located on XXXX XXXX XXXX, XXXX, Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.

Complaint narrative:
Good afternoon! I made a money transfer on XX/XX/2022 in the amount of {$47000.00}. The transfer was sent to XXXX to my sister 's account. The transfer was canceled on the side of the correspondent bank of the recipient XXXX XXXX XXXX Bank XXXX XXXX XXXXXXXX XXXX XXXXXXXX. And they should have already been processed by CITIBANK N.A., but the money has not yet been returned to the account. My attempts to contact the bank by e-mail were unsuccessful, and the bank was in no hurry to help me resolve the situation, he only said that he was not responding to individuals, and asked the sending bank to contact him. But the sending bank, XXXX XXXX, tells me that this is not within its authority. I am inclined to believe that CITIBANK N.A. is deliberately withholding my personal funds for its own benefit. Too much time has passed since the payment was canceled.

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 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I mailed certified mail to all three credit bureaus on XX/XX/2023. While reviewing my credit report in order to purchase a home, I realized inaccurate and inconsistent information on all 3 reports. This is impairing the banking system efficiency. I requested the three credit bureaus to investigate properly and remove anything that is not accurate. All three credit bureaus are reporting totally different information for each account in question. That states to me that none of this information is correct. They came back verified and updated within 1 week. How did they verify all information within such a short period of time? I did not consent to E-oscar method of verification. I hand written my letters because I did not consent to machine I consent to a person reviewing my request. I am a citizen of the USA reviewing my credit myselfIt it is frustrating I have to write to the CFPB for a proper job to be done. 
XXXX especially had increased my score XXXX points on XX/XX/2023 and decreased it again XXXX points due to what reason I am not sure because they didn't state. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have inquires I have no knowledge of so my privacy is being violated. 
Across all three credit bureaus these accounts are inconsistent with the reports and inaccurate as well. There are different dates of opening, different amounts and different names and addresses. Across all three credit bureaus my score is not even close to each other so, that means they are reporting incorrect. And the matter of fact I didnt consent to any furnishing of my credit report.

15 U.S. Code 1681 section all information should be accurately reported In accordance to the Fair Credit Reporting Act 15 U.S. Code 1681 section 602 A I have the right to privacy 15 U.S. Code 1681 section 604 A section 2 A consumer reporting agency can not furnish my account without my written instructions.

I am looking into going to an attorney to assist with these discrepancies from the bureaus but I trust CFPB will do its job thoroughly.

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 2023-02-07 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: FL

Complaint narrative:
I mailed certified mail to all three credit bureaus on XX/XX/2023. While reviewing my credit report in order to purchase a home, I realized inaccurate and inconsistent information on all 3 reports. This is impairing the banking system efficiency. I requested the three credit bureaus to investigate properly and remove anything that is not accurate. All three credit bureaus are reporting totally different information for each account in question. That states to me that none of this information is correct. They came back verified and updated within 1 week. How did they verify all information within such a short period of time? I did not consent to E-oscar method of verification. I hand written my letters because I did not consent to machine I consent to a person reviewing my request. I am a citizen of the USA reviewing my credit myselfIt it is frustrating I have to write to the CFPB for a proper job to be done. 
XXXX especially had increased my score XXXX points on XX/XX/2023 and decreased it again XXXX points due to what reason I am not sure because they didn't state. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have inquires I have no knowledge of so my privacy is being violated. 
Across all three credit bureaus these accounts are inconsistent with the reports and inaccurate as well. There are different dates of opening, different amounts and different names and addresses. Across all three credit bureaus my score is not even close to each other so, that means they are reporting incorrect. And the matter of fact I didnt consent to any furnishing of my credit report. 

15 U.S. Code 1681 section all information should be accurately reported In accordance to the Fair Credit Reporting Act 15 U.S. Code 1681 section 602 A I have the right to privacy 15 U.S. Code 1681 section 604 A section 2 A consumer reporting agency can not furnish my account without my written instructions. 

I am looking into going to an attorney to assist with these discrepancies from the bureaus but I trust CFPB will do its job thoroughly.

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 2023-02-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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