vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
TO WHOM IT MAY CONCERN, I WISH TO FORMALLY COMPLAIN ABOUT PHH/NEWREZ ALL IVE BEEN GETTING IS THE RUN AROUND. IVE BEEN GETTING ALL WRONG INFORMATION THE BANKS INTENTIONS HAS ALWAYS BEEN TO KEEP MY HOUSE. I DID NOT DEFAULT ON MY TRIAL IVE BEEN EVEN EXTRA PAYMENTS. THEY MAILED MY FINAL DOCUMENTS TO WRONG ADDRESS AND NOW I HAVE TO SUFFER THE CONSEQUENCES. ALL I WANT IS MY MODIFICATION BACK. I APPEAL IT NUMEROUS TIME WITH NO SUCCESS. IT IS BAD FAITH ON THERE END I WILL ATTACHED THE EMAILS TO SHOW PROFF THAT ALL I GET IS WRONG INFORMATION FROM THEM. THEY FIRST TELL MY THAT THE FORECLOSURE IS SUSPENDED THEN I SPEAK TO THE TRUSTEE THEY HAVE A SALE DATE XX/XX/2023 I DEMAND THAT THEY GET PUNISHED FOR MISS GUIDING ME NOW I CAN LOOSE MY HOUSE IN A COUPLE DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I purchased a white XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA. The vehicle is financed through GM Financial. The vehicle that I test drove on XX/XX/XXXX had remote start and power liftgate. The vehicle that I picked up on XX/XX/XXXX did not have these features. I did not notice that these features was missing immediately. Additionally, I was not informed about the missing chip for the park assist by the dealer only through calling XXXX XXXX XXXX. Furthermore, I have reached out to the dealer, gm priority care, gm financial, and the XXXX XXXX XXXX in regards to the issues that I am experiencing with this $ XXXX purchase. ( XXXX ) Complaint has been filed with the XXXX  against XXXX XXXX of XXXX. ( XXXX ) Complaints have been filed with the XXXX  against General Motors. There has been no resolution in this matter. Lastly, the dealership has lied and stated that I shuffled ( throwing ) some papers around to give reason why I am not allowed on their premise. The dealership can not provide proof of any such behavior, because it never happened. However, this is untrue and is defamation of character. Additionally, I have video recordings for my protection each time that I was on XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX XXXX XXXX  representatives have been upset with me since I submitted a bad review to XXXX on XX/XX/XXXX in regards to this vehicle sale. Lastly, I have the phone recordings of conversations with XXXX XXXX ( Sales Manager ). Including agreeing to take care of the equipment issues. Also, the conversation when I attempted to schedule the appointment that he requested to observe vehicle. Per phone this recording you will be able to hear the belligerence from from XXXX XXXX towards me for asking the representative XXXX, do they provide loaner vehicles?. XXXX got on the phone and stated that " I was giving her a hard time ( referring to XXXX ) and that I am not in the drivers seat in this matter ''. Overall, I have experienced disrespect, XXXX, and bad customer service with this dealership. Additionally, I am a victim of a bait and switch car sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX DATE : XX/XX/XXXX This is my second dispute WHY WASNT AN INVESTIGATION DONE ON MY FIRST DISPUTE REWCEIVED ON XX/XX/XXXX? 

WHY ARENT MY ACCOUNTS UPDATED AS DISPUTED? 

YOU ARE IN SERIOUS VIOLATIONS OF THE FCRA DELETE THESE INCOMPLETE ACCOUNTS AND DELETE THESE INACCURATE ACCOUNTS I am writing to address a matter of grave concern regarding the accuracy of my EQUIFAX credit report, as provided by your agency, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. My recent investigation of the Equifax credit report has revealed numerous inaccuracies and incomplete information on the following accounts, and I must insist that these matters be rectified promptly : XXXX. XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX - Reporting 30 days past due in XX/XX/XXXX, despite no Date of First Delinquency reported. 
- Account Status marked as " PAYS_AS_AGREED, '' raising questions about the 30 days past due notation. 
- Missing information under Delinquency First Reported and Date of Last Activity, causing confusion. 

XXXX. XXXX Account Number : XXXX XXXX - Reporting a balance of {$320.00}, even though the account has been closed/charged off ( balance should be {$0.00} ). 
- Account Status reported as " NOT_MORE_THAN_TWO_PAYMENTS_PAST_DUE '' despite only one instance of 30 days past due in XX/XX/XXXX. 
- A past due amount of {$46.00} is reported on a closed account. 
- Inconsistencies between Date of First Delinquency ( XX/XX/XXXX ) and Payment History ( reporting on-time payments in XX/XX/XXXX ). 

XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX - Account Status reported as " NOT_MORE_THAN_TWO_PAYMENTS_PAST_DUE, '' despite no late payments indicated in the Payment History. 
- Missing information under Date of Last Activity, raising questions about the account 's status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 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: IN

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use.

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 2023-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: CA

Complaint narrative:
I am a victim of identity theft. I have filed all police reports, id theft affidavits and paperwork that is required under the FCRA. XXXX XXXX  was notified on 17 occasions, that I never applied for, opened, authorized anyone else to open, or benefitted from the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were opened fraudulently and are not mine. I currently have a federal FCRA lawsuit in the XXXX XXXX of PA regarding the identity theft and am suing the major credit buraus. I have retained a consumer protection attorney to represent me for this identity theft. 

XXXX XXXX  was notified on 17 occasions and all relevant identity theft documents were sent to them at the following address via certified mail : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  responded on all 3 accounts that they were removing them from my credit reports, closing the accounts due to fraud and that I was not responsible for the balances. 

Upon checking my XXXX  credit report during preparation for my FCRA lawsuit, I noticed an MRS Associates made a soft inquiry on my report on XX/XX/2023. Upon further research, it has been determined that these same 3 identity theft accounts that XXXX was aware of, have been turned over to a collection agency ( MRS Associates ). 

This is illegal. I have attached the letters from XXXX XXXX  proving they acknowledged these accounts were the result of fraud. I have also attached a copy of my identity theft lawsuit that is filed in Federal Court, my police report and FTC Identity theft affidavits for these accounts. I have also attached screenshots of these accounts from MRS Associates web portal showing they are trying to actively collect on them without regard to my identity theft.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
Please see the attached document describing how I was defrauded out of {$6500.00} by the Bank of America and one of their account holders for the purchase of a vehicle that never existed. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, KY 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 explanation
Consumer complaint received 2023-10-30 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: GA

Complaint narrative:
I discovered that three accounts had been opened in my name on my credit report by a company called XXXX XXXX XXXX XXXX XXXX and XXXX. These accounts were opened without my knowledge or consent, and I did not permit them to open XXXX 's credit card in my name. During a timeshare presentation I attended, they requested a soft pull to see my membership options. However, I later discovered that they had performed three hard pulls on my credit report, and to my surprise, I received XXXX 's credit card in the mail after returning home. When I tried to cancel it through XXXX, they refused, and XXXX also refused when I reached out to them. This is a deceptive business practice, and they have used my credit information to open an account without my authorization, knowledge, or consent. Before attending the timeshare presentation, my credit score was XXXX. Still, now, due to the addition of these inquiries and the account to my credit, it has dropped to XXXX, making it challenging for me to move into a decent home. I want this account removed from my credit report immediately because I did not authorize it. I have already disputed the account, but the credit bureaus ignored my request for removal and my right to an investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 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: GA

Complaint narrative:
I discovered that three accounts had been opened in my name on my credit report by a company called XXXX XXXX XXXX XXXX XXXX and XXXX. These accounts were opened without my knowledge or consent, and I did not permit them to open XXXXXXXX XXXX  credit card in my name. During a timeshare presentation I attended, they requested a soft pull to see my membership options. However, I later discovered that they had performed three hard pulls on my credit report, and to my surprise, I received XXXXXXXX XXXX credit card in the mail after returning home. When I tried to cancel it through XXXX, they refused, and XXXX also refused when I reached out to them. This is a deceptive business practice, and they have used my credit information to open an account without my authorization, knowledge, or consent. Before attending the timeshare presentation, my credit score was XXXX. Still, now, due to the addition of these inquiries and the account to my credit, it has dropped to XXXX, making it challenging for me to move into a decent home. I want this account removed from my credit report immediately because I did not authorize it. I have already disputed the account, but the credit bureaus ignored my request for removal and my right to an investigation.

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 2023-10-30 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2023 a SERIES OF UNAUTHORIZED PURCHASES WERE MADE ON MY BEST BUY VISA CREDIT CARD. I GOT IMMEDIATE NOTIFICATION AFTER AN INITIAL CHARGE OF {$1400.00} followed by an unauthorized charge of {$510.00} was made. I immediately contacted Best Buy Visa to close the account as this is my only credit card, which does not have a capability to lock the credit card. 
The credit card sent me a vague notification on XX/XX/XXXX that they are looking into the on unauthorized purchases. On XX/XX/XXXX, I called up Best Buy Visa credit card to let them know that the unauthorized CHARGES ARE STILL POSTED ON MY CREDIT CARD ACCOUNT AND I HAVE NOT RECEIVED A TEMPORARY CREDIT WHILE THE INVESTIGATION IS TAKING PLACE. THE AGENT MENTIONED THAT A CREDIT WAS POSTED ON XX/XX/XXXX, HOWEVER, I DON'T SEE IT ON MY ACCOUNT. 
IT IS NOW XX/XX/XXXX AND I STILL HAVE THESE UNAUTHORIZED CHARGES ON MY ACCOUNT AND I FEEL THAT BEST BUY VISA CARD IS NOT DOING ENOUGH TO COMPLETE THIS INVESTIGATION RESPONSIBLY AND IN A TIMELY FASHION. They claim that I am not responsible for unauthorized purchases, especially in a credit card that can not be locked to prevent unauthorized transactions. I would really appreciate the collaboration and participation of the consumer financial protection bureau to investigate Best Buy visa and verify that they are fulfilling their responsibility and promise towards these unauthorized transactions. I am happy to furnish any documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been disputing the errors on my credit report with TransUnion for over a year. As of XX/XX/2023 they have blocked me from my own report. I tried weekly on XXXX XXXX XXXX  and was denied every time. I then called TransUnion, the said the escalated my complaint and I would be contacted, but I never was. This is illegal. They can not block me from my own report. Please advise.

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 2023-10-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
My son received a Vanilla gift card for his birthday on XX/XX/23 with a balance of {$30.00}. 
We went to go use it on XX/XX/23 at an online retailer XXXX The charge was declined for insufficient balance. 
I used a tool to check the balance a the Vanillagift.com website. There was a charge for {$23.00} at a XXXX location hundreds of miles from our house on XX/XX/23. The card has never left our possession. 
The website directed me to call their customer support number. 
I tried calling on XX/XX/23 to dispute the transaction. I've been connected to silence and not able to get a hold of the operator.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted.

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 2023-10-30 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: PA

Complaint narrative:
( Accounts ) XXXX XXXX XXXX  Date Opened : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX ( INQUIRIES ) XXXX XXXX XXXX XXXX XXXX XXXX-The following personal information is incorrect. The personal data reporting is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to bring to your attention an error in my credit file. I recently reviewed my credit report and noticed that : : XXXX XXXX  Inquires and inaccurate account, XXXX XXXX XXXX XXXX inaccurate Account, XXXX XXXX XXXX inaccurate Account, XXXX XXXX inaccurate/fraudulent account : : : Despite my previous requests, this transaction has not been removed from my credit file. This inaccurate information has been negatively impacting my credit score and financial well-being.

I would like to draw your attention to the following laws that protect consumer rights and mandate the accurate reporting of credit information : 1. Fair Credit Reporting Act ( FCRA ) - This federal law promotes the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

2. Fair and Accurate Credit Transactions Act ( FACTA ) - This amendment to the FCRA provides consumers with the ability to request and obtain a f
ree credit report once every 12 months from each of the three nationwide consumer credit reporting companies.

3. Consumer Financial Protection Act ( CFPA ) - This Act provides consumers with protections against unfair, deceptive, or abusive acts or practices by financial institutions. 

I kindly request that you take immediate action to rectify this error and remove the inaccurate transaction from my credit file. Failure to do so not only violates my rights under the aforementioned laws but also subjects your company to potential legal consequences. 

Please provide written confirmation once the necessary corrections have been made. Additionally, I expect to receive an updated copy of my credit report reflecting the removal of the inaccurate information. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution of this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: VA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-10-30 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: VA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
We have four student loans that were transferred from Navient to Aidvantage. 
Three are grouped together under one monthly payment and one is a stand alone under a seperate payment. All were paid on time for XX/XX/2023. The three grouped together were paid in full but only one was credited with the entire amount of payment the other two are now over due.The stand alone loan was paid in full on time, pament was credited but now appears that they assed a late penalty. I have tried to get them on the phone but to no avail, been on hohd for fourty five minutes to one hour.they also do not respond to my emails. Navient were great Aidvantage is a nightmare. I don't want to make anymore payments till this gets cleared up. 

Thank you very much, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have reached out to the following accounts below and talked to them about the issue with my account as reported by the TRANSUNION. They have advised me that they will remove the account and will correct the credit report accordingly and accurately, however, as I reviewed my recent report these accounts are still reporting. I am not sure how the TRANSUNION came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.

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