vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Community Health Investment Company, LLC.
State: OK

Complaint narrative:
XXXX from XXXX Submitted insurance statement only owing XXXX. Requested to pay only what was owed. Repeadly told by collection agency I owed XXXX. Had insurance call them and submitted my eob they still continue to try to collect. Collection agency used verbal aggressiveness. Collection agency refused to provide medical debt verification. Collection agency said if I wanted information I needed to contact the hospital. Collection agency threatened to notify my employer of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
There is negative reporting about a " car loan '' on my consumer report, the reporting of Capital One Auto Finance in the amount of {$13000.00} reported XXXX XXXX opened XX/XX/2020 which has now been closed leaving horrible remarks tarnishing and ruining my consumer report by the company Capital One Auto Finance stating that this was charged off as a bad debt profit and write off loss. when there in fact was no loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I have an XXXX credit card issued by Comenity bank to be used at XXXX XXXX and XXXX stores. I attempted to login to make a payment this morning and have repeatedly tried to access my account today. The website says it is " down for maintenance. '' I called the XXXX customer service line and received an automated message that " due to unexpected circumstances their offices are closed '' with no option to reach someone to talk to. I tried logging in to my account and got the error message attached below. 

I then started a chat with XXXX where I made my most recent purchase, who also offered no assistance and said they could not provide information on credit card related matters ( see attached ). 

XXXX never sent an email indicating any site maintenance. I've seen on XXXX that multiple people have the same complaints for various store credit cards issued through Comenity ( now perhaps Bread Financial? ). I also saw on XXXX that people mentioned it was bought by Bread Fiancial. I tried calling their customer service line, which then is answered by Comenity Bank, so again the same problem with receiving a message that due to unforeseen circumstances, their offices are closed. 

There were no emails sent to customers about site maintenance, a merger, or accounts being in accessible. I have a very good credit history and do not want late payments that are not my fault due to the irresponsible way these banks have shut off all access to my accounts to affect me adversely.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I tried to use my Chase debit card at a gas station so I could go to work. My transaction was declined 3 times. I checked my account and there were funds available so there is no reason for my card to be declined. Stuck at the gas station with no cash on hand, I had to call support to find out why my card was declined. Chase told me they didnt know the details or reason as to why but my checking account has been closed and I have no idea access to the funds in my account. I HAVE NO ACCESS TO MY OWN MONEY BUT THEY COULDNT TELL ME WHY!! I was stuck at the gas station without my wallet and had to turn my car upside down to find enough change to get me a gallon of gas to go back home to get my wallet. I was not only mortified but the experience was traumatizing!! I thought an honorable institution such as Chase must abide by financial codes and rules of conduct but to tell me my account was closed but couldnt provide any reason whatsoever as to the result of the closure is completely absurd. This is America not a XXXX XXXX  XXXX country!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am an attorney representing the borrower XXXX XXXX in her pending XXXX  XXXX case. XXXX XXXX confirmed plan proposes to pay off her lender PHH and her XXXX  XXXX case with a new loan on the property subject to PHH 's lien. 

Monthly mortgage statements sent to XXXX show a suspense balance of nearly $ XXXX and principal due of {$430000.00}. Yet when PHH submitted its payoff demand into the refinance escrow, the principal balance is essentially the same without crediting the suspense balance. 

I have sought information and back up documents from counsel for PHH who has previously appeared in this bankruptcy case but have received no sustantive response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AE

Complaint narrative:
Unable to access my account for over a month, still waiting for a PIN NUMBER they said was going to be mailed out to my XXXX P.O> address since XXXX XX/XX/2022 ... ... after more than a month of waiting, I am still unable to access my on-line account due to excessive information requirements and lack of alternate ways to provide me access to my basic checking account on-line. Although I have been 3-4 hours waiting for Service Representatives and gone through their 100 % authentication procedures and having them confirmed 100 % it is me who wants access to my account, still they have led me to no solution to my PROBLEM in trying to access my account. I am stationed XXXX XXXX on a overseas tour and bank of America has no ATM or bank branches here that I could easily access my account. Their customer representatives some of them are straight unpolite and unhealthfully awful to customers like me stationed overseas and unable to just drive to a Bank of America branch and get one-one help. Today XXXX XX/XX/2022, I still have not received a PIN for my checking account ATM card which they now require as to be able to log into my on-line account. Before, Bank of America required only an authentication through my email or direct text massage to my telephone number, but someone added a PIN NUMBER requirement to the on-line authentication. I have tried time and time over talking to a Service Representative numerous times throughout last 3 months about giving me a way into my account once they verified that it is my the owner of the accoun on the line... .everytime, they tell to wait for my PIN NUMBER... .that PIN NUMBER has never arrive ... ..Thanking you in advance for all they help you can do to help me while overseas and unable to check my checking account .... I have been with bank of america for over 15 years and can not understand why they are treating me this way .... XXXX XXXX XXXX, my XXXX cell number XXXX XXXX XXXX XXXX, and my email : 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 2022-06-27 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My mortgage loan was transferred to PHH Mortgage in XX/XX/2022, from XXXX. On XX/XX/2022 an annual escrow statement was sent stating that my escrow account is short {$160.00}, therefore my payment will increase {$13.00} monthly. The problem is that I dont have an escrow account I pay my own taxes and insurance. I called XX/XX/XXXX, and was told I would get an answer within 10 business days. Received a bill for XX/XX/XXXX, mortgage and still escrow company increased payment by {$13.00}, due to shortage in escrow account. No explanation given as to why they show escrow account. I read reviews about this company and their fraudulent practices. They have been sued for charging fees that they should not charge. Never had escrow account with other loan mortgage company either ( XXXX ). I have also sent email to the PHH Mortgage on XX/XX/2022 and called this morning and spoke to a representative who said will create a report to the research department to investigate the problem.

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 2022-06-27 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: IL

Complaint narrative:
inqiry from the following companies I did not authorize. I was not trying to purchase anything. 

XXXX XXXX date of inquiry XX/XX/2022 XX/XX/2022 XXXX XX/XX/2022 XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XX/XX/2022 XXXX XXXX XX/XX/2022 XX/XX/2022 XXXX XXXX XX/XX/2022 XX/XX/2022 the above inquiries were never authorized i was not purchasing anything and i reached out to all the companies and noone had any information or credit apps from me. 

i want these removed .asap

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 2022-06-27 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: PA

Complaint narrative:
Im not sure what happened all I know is this account automatically went into collections it never appeared on my regular account information and or credit report as a positive account in good standing because it isnt mine, before it was in collections which lead me to trying to dispute it, I tried with XXXX & XXXX XXXX the company keeps denying it and replying back that my information on the account is accurate. Which leads me to think I am being set up for fraud since the balance on the account is so high and my bank information isnt on this account nor was I received a card for midland Credit management. I shouldnt have this on my collections for 7 plus years if I never have done anything to put it there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I initiated a wire transfer on XX/XX/17, the following business day Ally Bank froze my account. It's been 7 days that I can't login to my account or access any of my funds. I called their " Loss Prevention Line '' and answered the security questions requesting that they unfreeze my account but they keep saying they are looking into it and never get back to me in a timely manner. I don't know how long more this is going to go on for but it's unacceptable.

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 2022-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
We have tried to redeem our XXXX points on numerous occasions. We have contacted the Credit Card Company and they keep giving us the wrong number. We believe at this time that this company is blatantly committing fraud and has no intention of allowing anyone to redeem points and honor what they have advertise when getting the card. Again, we have contacted Shop Your Way a dozen times and have tried to remedy this matter with no result whatsoever. They continue to pass us off to other people that always ends up as a wrong number. After many attempts to fix this, we felt we had no choice but to report this company to you to protect others from this fraudulent activity. 

Shop Your Way Citi Card phone number for Citi Card is XXXX that number gets you to the credit card no issue. The reward on the other hand is a completely different animal. 

Thank You 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 2022-06-27 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, and XXXX XXXX XXXX, XXXX, XXXX, AND XXXX XXXX XXXX XXXX account # XXXX collection account, have all violated my rights. 

XXXX XXXX Account # XXXX was paid and promised to delete information related to the debt removed from all of my credit files. I have filled multiple disputes and the only credit company that has removed this account is XXXX. XXXX and Equifax still hasn't followed suit. They all have been provided the same information to get this account removed. They haven't provided anything in writing as to why this account is still showing up on my credit profile. 

XXXX account # XXXX, XXXX, and XXXX have all violated my rights for failure to send validation of debt and HIPPA authorizations. I have been requesting for months that these collection agencies send debt validations to me in writing and they have all failed to do so. The credit reporting agencies have failed to do so as well. Failure to withhold this information in an attempt to do dirty reporting is a direct violation of the FDCPA because of deception after my written request. 

XXXX XXXX XXXX XXXX account # XXXX is reporting inaccurate and unverifiable information and balances. This agency has failed to validate the this debt they say I owe to them and they are violating FCRA laws. 

These collection agencies have failed to send validation proof of this debt that are saying that I owe. This is a direct violation to my rights. It is my right that under the FCRA 15 U.S.C 1681, all unverified accounts must be promptly deleted. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-06-27 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act inquiries done by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FOR XXXX AND XXXX XXXX XXXX have all violated my rights. I do not recognize these inquiries. Never been in contact with any of these companies there forth these are fraudulent and are inaccurately reported to my credit profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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