vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-29 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I submitted a dispute XXXX XXXX regarding late payments from XXXX  XXXX during covid, I asked for an investigation and only received a notice just saying it was verified. I also uploaded additional information regarding the dispute and sent other letters over 30 days ago and still no response.

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 2022-12-29 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: FIRST PORTFOLIO SERVICING INC
State: NY

Complaint narrative:
I changed my address and then my card was " frozen ''. I called to find out why and they told me to fax a " letter '' showing my intent to change the address. I have sent that fax multiple times and then on XX/XX/XXXX, I called and was told I needed to send bank statement and my ID to have the address changed. This was done and the company still says after sending this information three times, that they don't have it. Even when the fax transmission report for all three faxes shows " success ''. I want the " freeze '' removed, if not then I will no longer want this card and will not be paying the balance since I can not use the card and for the primary fact that by not getting my faxes or lifting the " freeze '' I believe this company to not be trustworthy with my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
On or about XX/XX/22 I received a notice from XXXX XXXX  that there was a collection notice on my credit report ( this was shortly after my XXXX check was declined when I attempted to purchase my XXXX XXXX XXXX, I have a XXXX XXXX in XXXX states, so i was already working with the XXXX XXXX XXXX XXXX XXXX XXXX  ). I immediately pulled my credit report to find that there indeed was a collection 's notice from Transworld Systems Inc. I disputed it and received on XX/XX/22 a letter from them indicating that I owed {$550.00} to their client XXXX XXXX for utility services under my name at " XXXXXXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I contacted XXXX and advised them that i had never lived at this address and the debt was not mine. They were very unprofessional and argumentative. I asked what I could send to them to prove this. They agreed that if I sent them a utility bill for where I live for the month in question that would suffice and provided me an email address. I sent them my XXXX XXXX XXXX for the month prior, in question, and following, and requested a response in XXXX  days. In the meantime, I reviewed my credit report further with a XXXX XXXX XXXX XXXX had reported to the FTC the year prior fraudulent XXXX claims in my name and had not heard anything since then. I discovered that this XXXX  address appeared on my credit report as did an inaccurate social security number of XXXX ( mine is XXXX ). I wrote to the credit agencies and copied the XXXX on these letters as well to advise of the continued inaccuracies. Today XX/XX/22, I contacted TSI to request a status on my previous contact and the documents I provided. I was told " we verified this is your bill, you need to pay it, stop trying to avoid your responsibility ''. I told them they'd hear from my lawyer and then hung up. I suppose since they are based out of this country they do not care... I took it upon myself to contact XXXX XXXX directly. I spoke with XXXX who opened a case for me # XXXX and asked me to email all of my documentation including utility bills to XXXX. Following this I received a call from XXXX who also advised that I needed to submit with this paperwork a copy of a police report and my report to the FTC. I have visited my local XXXX and it will take a couple days to receive that report and I am now filing yet another claim of identity fraud with you. I'd like to know at what point I as the consumer can feel protected. And yes my credit has been locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: EQUIFAX, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX XXXX I sent a certified letter to Equifax regarding NINE ACCOUNTS they are reporting inaccurately. They deleted three and They have yet to correct the other SIX. These accounts are Student loan accounts that are reporting Late payments during the Covid-19 Emergency relief of student aid. Which per FEDERAL LAW states if they are in deferment they can not report a late payment. This is very harmful to my credit and ALL SIX accounts need to be updated and REMOVE the late payment they are reporting. Ive enclosed a copy of ALL SIX credit reports as well as the letter I sent to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I tried to request a re-modification from PHH, I received a trail re-modification with no details of how this re-modification was created or what the terms would be once the trail was completed, which I think is extremely important. I submitted a letter of concern to PHH as well as CFPB, PHH responded to me with a letter dated XX/XX/2022, I received the letter XX/XX/2022. PHH response did not address my main concern. I have copied my response to PHH below. My original case number was XXXX. 
PHH Mortgage Services Escalations Department 1 Mortgage XXXX XXXX XXXX, NJ XXXX XXXX XXXX I would like to start by saying I appreciate your time, after a thorough review of your letter and it may be my fault for not stating it clearer, my major concern is being addressed in your letter dated. From the very beginning I have asked to see the calculations per year to verify the charged rearranges are correct. The other concerns are relevant, but not nearly as important. 
In closing, I apologize if I did not state my request clearer. 
Genuinely, XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I'm contacting yout agency because, after several attempts with contacting my bank XXXX XXXX XXXX ; concerning a hold on my bank account from a hotel for thirty days. I checked out of the hotel last month. The hold is still on my account. The bank will not release the hold. I contacted the hotel. They informed me they contacted merchant services to release the hold of {$170.00} on XX/XX/. However, my bank refused to release the hold on my account. 

Moreover, their leadership contact information isn't available. The complaint process for these types of events is not clear. Finally, their customer reps are below satisfactory. 

Please advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
my complaint is for XXXX XXXX XXXXXXXX XXXX. we tried to book a room with them on on XXXX through there website. First time the website took us out and didn't show anything and i figured it was a glitch and tried it a second time and the same thing happened, didn't give any information. I then proceeded to go to XXXX and booked through them. When i arrived at the hotel and checked in through the XXXX confirmation i told the clerk at the desk about what happened and that i was charged and they informed me they were sorry about that and would help reverse it right away. That didnt happen. I been trying to get this resolved through mu credit card Citi bank as that was the form of payment i used to pay for XXXX and through XXXX. i wrote a statement that citi bank needed me to send them to send to the merchant to explain what happened and the merchant denied all claims and keeps reversing back the charge to my credit card two charges for $ XXXXthe merchant can clearly see my stay with them was through XXXX XXXX They need to make sure they are reading all the statements how can it be any fault if there was a glitch on the website. the clerk at the desk could had told us it wouldnt be reversed to handle it then in there but they said we will take care of it and we are sorry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-29 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: TX

Complaint narrative:
I'm sending this letter to have inaccurate information deleted that's reporting to XXXX, Transunion and XXXX. I've tried to have XXXX Bank and the credit bureaus to delete numerous 90 day late from XX/XX/XXXX to XX/XX/XXXX when my account was closed on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29 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: TX

Complaint narrative:
I'm sending this letter to have inaccurate information deleted that's reporting to Equifax, XXXX and XXXX. I've tried to have XXXX Bank and the credit bureaus to delete numerous 90 day late from XX/XX/XXXX to XX/XX/XXXX when my account was closed on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: TX

Complaint narrative:
I'm sending this letter to have inaccurate information deleted that's reporting to XXXX, XXXX and Experian. I've tried to have XXXX Bank and the credit bureaus to delete numerous 90 day late from XX/XX/XXXX to XX/XX/XXXX when my account was closed on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I was informed that I didnt have any late payment on the record they stated the reimburse the late payment charge but didnt remove from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: Kikoff Inc.
State: CT

Complaint narrative:
I was informed that I didnt have any late payment on the record they stated the reimburse the late payment charge but didnt remove from credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: SD

Complaint narrative:
I see a hard inquiry on my credit report which I didn't make it. The name is XXXX XXXX, I have true to contact XXXX  XXXX but the phone no. doesn't let me connect.

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 2022-12-29 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: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I purchased a vehicle through XXXX and they sold the contract to Bridgecrest. Bridgecrest then proceeded to unlawfully share my personal information with XXXX, XXXX and XXXX. I reached out to Bridgecrest in an attempt to resolve this situation by opting out of them reporting my information without my permission via 15 USC 6802 B, but I was told that they indeed had this right and would continue to report it. I urged to them that they were violating 15 USC 6801 ( Protection of non-public information ), 16 CFR 313.1 ( purpose and scope of non-public info ) and The privacy Act of 1974. They admitted to me over the phone that the account is charged off, which makes it a certificate of indebtedness, which is illegal to have on credit reports via the IRS. Despite all of this, they have refused to remove this from my credit report and opt me out of them reporting to the credit agencies concerning my private information. I informed them that I intend to take this manner to federal court if it is not resolved swiftly and amicably.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Weber & Olcese, PLC
State: MI

Complaint narrative:
On or about sometime XX/XX/2022 Weber and Olcese threatened me with garnishment of my payments of Supplemental security Insurance and Social security XXXX insurance and began taking payments under the guise of saying that I had volunteered. I never volunteered anything. I never agreed. I asked them to send me paperwork and they could not produce anything but garnishment paperwork. This forced me to have to file for bankruptcy. I was looking to open an XXXX account and researched and came across this : XXXX  : XXXX XXXX, depending on the type of debt. Retirement, spousal and survivor benefits and Social Security XXXX XXXX ( XXXX ) can be garnished to pay child support and alimony ; court-ordered restitution to a crime victim ; back taxes ; and non-tax debt owed to a federal agency, such as student loans ( although these are largely immune from garnishment during the government 's pandemic moratorium on collecting student debt payments ). 

This was a credit card debt, therefore it did not meet criteria to be garnisheed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Credit Corporation
State: PA

Complaint narrative:
The medical debt in question being collected on by The medical debt in the amount of {$270.00} from from XXXX XXXX XXXX XXXX was submitted to XXXX on on XX/XX/2021, approved and paid. 

On XX/XX/2021, the same amount was submitted to both insurances again in which the physician services according to XXXX was overpaid ; therefore, XXXX issued the EOB ( Explanation of Benefits ) back to the physician 's office indicating the over payment along with the instructions " Do Not Bill Patient, Not Patient Responsibility. '' Since such time, I have received more than 40+ calls from NCC XXXX a debt collector for this debt. I have phoned XXXX just in the last 60 days who has since sent what they call an " XXXX XXXX '' to the debt collector as well as the physician providing education that the patient which that refers to " myself '' ... that I am not not responsible for the debt. 

Since that time I have received numerous phone calls. I myself phoned NCC and advised them of what XXXX stated. I have received three calls since from NCC collectors attempting to collect on this debt after XXXX XXXX and XXXX for XXXX and XXXX XXXX completed the investigation into NCC debt practices to cease the collection activity which still did not stop. 

Those collection attempts from NCC XXXX main line ; however, phone calls to my mobile was from XXXX from XXXX XXXX occurred on XXXX, XXXX, and XXXX. This type of ongoing harassing debt collection goes against all debt collecting FDCPA practices of fair debt collecting. Please assist me in ensuring that companies like this do their due diligence and adhere to policies and instructions provided to them by patients. Its obvious I had spoken to XXXX or how would I had been able to provide them with XXXX codes and all of the information I was able to provide them about the overpayment to them, and me not being responsible for the amount due. 

Thank you in advance for your immediate attention to this matter. I sincerely appreciate your assistance in helping me resolve this issue before it is placed on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Per XXXX XXXX XXXX XXXX XXXX credit score, TransUnion dropped my credit score XXXX points. This was significantly much lower than XXXX which decreased my score by XXXX points. I want to have clarity as to why TransUnions score is so much lower than other reporting agencies when the credit reports are identical and based on the credit same history.

I have been penalized by transUnion throughout their review and scoring whether its increase or decrease of my credit score. I need to understand why the great disparity when compared with other reporting agencies. Plus, too many excessive points, in general, are decreased from ones score without given the appropriate time to correct the issue.

At this point, I feel its discriminatory and would like a thorough investigation of TransUnions practices and rating of my credit history.

Thank you for your prompt attention to this request.

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 2022-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc.
State: MN

Complaint narrative:
Google pay will not allow me to remove a credit card from my account without adding another card. I simply want to get my card out of the Google system and not use Google.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CO

Complaint narrative:
I fell behind on payments by about XXXX months. The company had me on a payment plan to help but the payments were still too much. I was given an offer of XXXX XXXX interest and the they close the account or make a one time payment to keep the card. So I made a one time payment of {$1100.00} on XX/XX/2022 to keep the card open. To my surprise credit karma alerted me that my card was closed as of XX/XX/2022. I contacted discover about a week ago to complaint about this and have my card opened or the interest brought down to XXXX % since they closed my card. I received no resolution even though I threaten to report this udap violation. To this day Im still stuck at a higher interest rate with a closed card Im forced to make payments on even though I am still recovering from my financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
hello I recent went looking to purchase a vehicle and told the dealerships that I would be getting financed through my credit union so I needed a bill of sale for that purpose. They asked for my information and proceeded to tell me that the have banks that would compete with my credit union for the financing. I declined next thing I know I check my credit report and there were 33 inquiries on my report. This is fraud I did not tell them to run my credit and I wasn't even at the dealership wen these inquiries were taken place.I went 2 3 dealerships and they all did the same thing. this has to be illegal. They should not be able to do this. I called the dealerships and complained and was told that they were trying to get me a better interest rate. I told them I was no longer interested in the vehicle and I gave them all bad reviews online and also filed a report and had to lock my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief