vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
We were impacted by XXXX and struggled to pay our mortgage. Within 30 days of default, we contacted the loan servicer to help with XXXX, maybe 2 months of forbearance. The company purposely delayed the process by more than 90 days by stating that they were missing documents, even though we had email and fax proof that those documents were sent and received timely. Furthermore, they were not willing to speak with us over the phone and insisted that the only way to resolve the issue was to schedule an appointment with the Relationship Manager. Those appointments were made out over 30 days, yet the relationship manager did not appear for those scheduled calls. Once we realized that they were circumventing the process to purposely delay the process, we began making payments, but they refused those payments- causing us to fall further behind. 

Finally, they submitted a modification denial letter stating that we were more than 90 days behind on making our payments, yet we were only behind because they failed to review the process in a timely manner. Furthermore, they used incorrect values in the net present value computation. Even though we provided certified appraisals that discredited their " drive-by '' valuation, they still refused to review documentation timely, if at all. 

They often kept us on hold for up to XXXX hours, then would disconnect the call, refused to speak with us over the phone, insisted on scheduled appointments that were more than 30 days out, and led us down a path of despair and a deliberate nightmare to refuse to negotiate in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I had a balance of {$410.00} on my Macy 's credit card which paid in full and on time last month. However, I just received another bill for {$3.00} for interest this month. I should not be charged for interest when I paid the balance in full. It even says the on the back of my statement. This is the second time they have tried to do this ( see my complaint from 2020 ).

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 2022-12-28 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: LA

Complaint narrative:
I have previously sent a letter to TransUnion, and XXXX XX/XX/XXXX, XXXX its been well over 30 days, I still have received anything back. According to 15 USC 1681 ( a ) ( 1 ) ( A ) XXXX, TransUnion, and XXXX have 30 days to respond to my dispute. This a violation of my rights.

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 2022-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Synovus Bank
State: MN

Complaint narrative:
Synovus pulled and accessed my XXXX XXXX, XXXX, and XXXX credit report on XX/XX/XXXX without my authorization or permission for a SynovusXXXX First Digital Credit Card XXXX I did not apply for the credit card. The credit inquiry from Synovus is a fraudulent and unauthorized credit inquiry on my XXXX XXXX, XXXX, and XXXX credit report. I have never applied for any accounts from Synovus. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Was given a line of credit but it wasnt my credit that was used for the loan. I asked for a personal loan and was given a consumer loan under another company name using my social security number. I called them twice and was told that they were going to fix it never got a 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 non-monetary relief
Consumer complaint received 2022-12-28 00:00:00
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Dear cfpd I am writing this letter to complain about my bad experience with Bank of America claim. 



I submitted two credit disputes in XXXX, and because there was still no response with those disputes, I called BOA today trying to figure out what happened. 


Problem didn't fix it, l will submit another complaint letter only talking about those disputes. 

The problem is after l told me that I will complain about it a few minutes later, my XXXX XXXX phone service was suspended, l can't call or text. 


l had to chat with an agent online, then they told me the reason why my account was suspended. Bank of America charges XXXX dollars back from XXXX XXXX, l use my bank of America credit card ending XXXX full year plan before, still 7 months remaining. 

Credit card chargeback order # XXXX, Transaction ID : XXXX, TOTAL OWED includes reactivation fee : {$30.00}. 


I spent 2 hours getting back on service. 


I believe the Bank of America is trying to take revenge on me, and dispute me with their power. Because just my phone ended with Bank of America then l phone service suspended cause credit changed back. 





I spent 2 hours getting back on service. 


I believe the Bank of America is trying to take revenge on me, and dispute me with their power. Because just my phone ended with Bank of America then l phone service suspended cause credit changed back. 

I doubt that this timing is intentional. XXXX XXXX asked me to pay another XXXX dollars to reactivate my account. I have to spend time and money getting another phone card to fix my suspended phone card. 

I want those money refund Looking forward sincerely XXXX. 
Ps : l will write another complaint letter about my shopping in XXXX XXXX, those paid with Bank of America credit card also with case number from Texas 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 monetary relief
Consumer complaint received 2022-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: HI

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. 
Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: TX

Complaint narrative:
XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX
XXXX XXXX-XX/XX/XXXX
XXXX XXXXXX/XX/XXXXThese inquiries were unauthorized done fraudulently without consent.

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 2022-12-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: TX

Complaint narrative:
We opened a credit card processing service account with XXXX on XX/XX/XXXX. 
We provided all business documents including Federal Tax ID, Bank account, Certificate of Formation to validate our business. On XX/XX/XXXX, I received an email stating our account has been deactivated anf funds will be held until XX/XX/XXXX. At the time of deactivation, we had a balance of over {$170000.00}. We were told to refund all transactions and process customer payments with another service. {$130000.00} of the {$170000.00} had been shipped and delivered to customers, making it impossible to reprocess orders, as they exceed XXXX transaction. We did refund approximate {$35000.00} to customers for orders that had not shipped. We have an outstanding balance of {$130000.00} which XXXX refuses to release. After the 90 day " hold period '' passed, an email was received on on XX/XX/XXXX stating the funds hold would be extended until XX/XX/XXXX. Then we received another email on XX/XX/XXXX stating funds would be held until XX/XX/XXXX. 
An email was received indicating the funds would now be held until XX/XX/XXXX. 
There has been no logical reason to hold our funds for this timeframe. There are tens of thousands of other complaints detailing the exact same online, better business bureaus and much more. There is only XXXX phone number to call, which can be routed to location through out the world. I have made at least XXXX hundreds calls, speaking with a person, that can not transfer any calls, or provide contact information for the appropriate person or department. I have laid-off XXXX employees the first week of XX/XX/XXXX as our funds have deminished to the point of being inoperable. 
The only acceptable resolution is for all funds be released immediately. 

XXXX XXXX support : XXXX ( XXXX ) XXXX Square Headquarters : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I'm responding to BOA information they submitted XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The FHA numbers I have for this acct in XXXX was ( XXXX ) BOA is showing the FHA number XXXX XXXX with the remaining numbers XXXX out. According to BOA this FHA number was issued in XXXX and is still in place until XXXX. In XXXX the FHA no. is ( XXXX ) Bank of America also made excuses about my Hazard Ins. Money was taken from my mortgage that force the loan into foreclosures. The dates were XX/XX/XXXX amount was {$3100.00} XX/XX/XXXX amount was {$3700.00} XX/XX/XXXX amount was {$2.00}, XXXX XX/XX/XXXX amount was {$2400.00} XX/XX/XXXX amount was {$1300.00} put unapplied funds a TOTAL ( {$13000.00} ) This Ordeal, was created by Bank of America!!! They tried to humiliate me, destroy my reputation, and our credit. I have XXXX XXXX XXXX  XXXX. In XXXX the Doctors XXXX XXXX XXXX. I was sent to XXXX XXXX XXXX where they found XXXX on both of my XXXX, XXXX places in my XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We live in a XXXX world. Nothing I did by filing a lawsuit against XXXX XXXX warrant any Company coming after my family like this. I saw the XXXX XXXX lawsuit and how they were not applying customer 's money toward there mortgage. I'm going to contact the Editor that wrote the article and tell them my Story along with my evidence.

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 2022-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo Mortgage pre-approved my wife and I in 2021 for {$500000.00} home mortgage. After we selected our home, went through the escrow process to close the home loan, the day after our closing date Wells Fargo called and said they now denied the mortgage. 

The process to purchase the home including down payment, due diligence, and inspection fees came to {$10000.00} which most was paid to the sellers. 

Wells Fargo deceived us and are responsible and liable to reimburse us for the fraudulent pre-approval home mortgage.

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 2022-12-28 00:00:00
Product: Credit card or prepaid 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: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
XXXX XXXX XXXX To : XXXX Cc : XXXX Wed, XX/XX/XXXX at XXXX XXXX  I have been trying to get a credit for a charge of {$350.00} and exp said they credited me to act XXXX. Well, the new credit card co did not post it to my new account number # XXXX so there is a credit I should have that is in limbo somewhere. I need someone to look into this as it has been 3 months of trying to resolve and no one is helping at XXXX. The note below is from the co-eXp that is showing the refund. 
I have also called them numerous times to the bank and on hold for an extended time. 


Hi XXXX, The refund for XXXX {$350.00} was refunded to you on XX/XX/26. Please see the image below. The card that was refunded ended in XXXX. Thank you XXXX -- XXXX XXXX XXXX Billing Sr. Team Lead Account Solution 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 2022-12-28 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: NC

Complaint narrative:
Around XX/XX/2022, I discovered that XXXX is continuing to report me for owing them for XXXX of XXXX student loans I had with them. Both of the loans I had with XXXX transferred to XXXX  in XXXX of 2022 and then to XXXX on XX/XX/2022 as a part of my Public Service Loan Forgiveness process. What alerted me to the inaccuracies on my XXXX and TransUnion credit reports is the increase in the amount I owe for student loans. The amount increased from {$160000.00} to {$220000.00}. XXXX is still reporting me as owing them {$59000.00}. This is not accurate. I no longer owe them anything. I disputed the inaccuracy with all XXXX credit reporting agencies. XXXX completed their " investigation '' in less than XXXX weeks and stated my loan with XXXX was accurate. I then contacted XXXX and explained what I was seeing on my dispute report. The XXXX representative stated she didn't know why because " they '' haven't reported anything on my credit report since XXXX, 2022. I told her that I could see on the report from XXXX that XXXX DID report that I owed them {$59000.00} in XX/XX/2022 and again in XX/XX/2022. I then told representative that I needed something in writing to show that I have a XXXX balance with XXXX. The representative told me she could not send me anything like that through email. I then informed her that XXXX did send me a transcript of what I paid them throughout the years through email without any issues. I then asked her if I should contact the XXXX XXXX XXXX and within a few minutes, I received XXXX separate emails from XXXX stating I paid off my XXXX loans with them. I then did another dispute with XXXX and uploaded the emails from XXXX. I then contacted TransUnion and XXXX and there have still been no changes. This has caused my credit score to drop XXXX points. The credit reporting agencies are not doing their due diligence to help me ( as a consumer ) with this XXXX inaccuracy. I have also reported this to my state 's Consumer Protection Division.

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 2022-12-28 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: NC

Complaint narrative:
Around XX/XX/2022, I discovered that XXXX is continuing to report me for owing them for XXXX of XXXX student loans I had with them. Both of the loans I had with XXXX transferred to XXXX  in XXXX of 2022 and then to XXXX on XX/XX/2022 as a part of my Public Service Loan Forgiveness process. What alerted me to the inaccuracies on my Equifax and XXXX credit reports is the increase in the amount I owe for student loans. The amount increased from {$160000.00} to {$220000.00}. XXXX is still reporting me as owing them {$59000.00}. This is not accurate. I no longer owe them anything. I disputed the inaccuracy with all XXXX credit reporting agencies. Equifax completed their " investigation '' in less than XXXX weeks and stated my loan with XXXX was accurate. I then contacted XXXX and explained what I was seeing on my dispute report. The XXXX representative stated she didn't know why because " they '' haven't reported anything on my credit report since XXXX, 2022. I told her that I could see on the report from Equifax that XXXX DID report that I owed them {$59000.00} in XX/XX/2022 and again in XX/XX/2022. I then told representative that I needed something in writing to show that I have a XXXX balance with XXXX. The representative told me she could not send me anything like that through email. I then informed her that XXXX did send me a transcript of what I paid them throughout the years through email without any issues. I then asked her if I should contact the XXXX XXXX XXXX and within a few minutes, I received XXXX separate emails from XXXX stating I paid off my XXXX loans with them. I then did another dispute with Equifax and uploaded the emails from XXXX. I then contacted XXXX and XXXX and there have still been no changes. This has caused my credit score to drop XXXX points. The credit reporting agencies are not doing their due diligence to help me ( as a consumer ) with this XXXX inaccuracy. I have also reported this to my state 's Consumer Protection Division.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: NC

Complaint narrative:
see attached identity theft report for accounts that have been reported to the FTC as identity theft

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 2022-12-28 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: NC

Complaint narrative:
see attached identity theft report for accounts that have been reported to the FTC as identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Dave Operating, LLC
State: IL

Complaint narrative:
I asked the company to stop all payments XX/XX/2022 and have taken out a XXXX dollar out of my bank account ending in XXXX XXXX on XX/XX/2022 i am unable to login to account know ask why called and said my account is closed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: NC

Complaint narrative:
see attached identity theft report for accounts that have been reported to the FTC as identity theft

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 2022-12-28 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: CA

Complaint narrative:
I sent a letter disputing false information on my credit report to Experian on XX/XX/XXXX, they didn't finish their investigation until XX/XX/XXXX which is a violation. Then they didn't fix the errors so i submitted a complaint to the CFPB on XXXX XXXX, it is now XX/XX/XXXX which is 15 days and still no reponse from experian stating that they are going to fix 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 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX is Showing inaccurate information on XXXX, Experian, The activity date is wrong also the opened date they do not match. XXXX is showing open and XXXX is showing closed. I have tried reaching out to them but to no avail.

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