vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Ocwen Financial Corporation
State: RI

Complaint narrative:
XXXX XXXXXXXX in XXXX RI sold my mortgage to PHH XXXX XXXX NJ on XX/XX/year>. I had no choice in this matter and a bunch of mortgages were sold. 

1 ) The day the sale went through, XX/XX/year>, my credit score plunged XXXX points. It still has not come back up to what it was. 
2 ) I received a letter of Delinquent Property taxes from the Town of XXXX RI which is where I live. Property taxes were due on XX/XX/year> and they have not been paid. In a few days the XXXX of XXXX will be charging me daily penalty fees if these taxes are not paid,. I have an escrow account with PHH Mortgage that was transfered to them by XXXX  XXXX. This account has close to {$5000.00} in it. I have never been late with a payment to XXXX XXXXXXXX or PHH mortgage. 
3 ) I have pleaded with both banks to resolve this matter. I have been trying to get this resolved for a while and provided PHH the letter of deliquency a week ago.. Neither bank will pay the property tax which is approx {$1700.00}. I have paid for the taxes already via escrow. PHH still says they are not liable for taxes due before XXXX. XXXX XXXX says they are not responsible for anything after XX/XX/year>. Lots of other people in my town are experiencing this exact issue because their mortgage was also sold to PHH. I believe PHH is at fault but don't really know how all this works. Please help! 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have more that should not be on my report, because its locked

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: Affirm Holdings, Inc
State: SC

Complaint narrative:
Under the FTC, and privacy act I have to a right to opt out of creditworthiness or other personal characteristics that is being shared. If any company shares credit score or details about a purchase. I have a right to say no about sharing. This is a defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Transworld is posting on my credit report and effort to collect on a debt that was a part of a discharge bankruptcy that has since been aged off of my credit report. This bankruptcy has passed the reporting time and is no longer legally able to report on my credit report, but continues to attempt to collect on a debt that is a part of that previous bankruptcy..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: WA

Complaint narrative:
I am a XXXX veteran with XXXX that required money at my loan inception. I felt like I was tricked into signing up for optional products : OneMain led me to believe that I could not receive a loan without signing up for an add-on product. I was told the add-ons were mandatory and came as part of my loan. I again asked if I could remove the add-ons but was told it wouldnt be possible. My loan was originated in XXXX, California in around XX/XX/2019 and renewed in XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Date : XX/XX/2024 Amount : {$900.00} To Who

m It May Concern, I am writing to file a complaint regarding a collection agency 's violation of the Fair Debt Collection Practices Act. Under 12 CFR 1006.34 ( b ) ( 5 ), the collection agency was required to provide validation information before placing a collection on my consumer report. However, they failed to do so. Furthermore, I have not been given the opportunity to dispute the account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ). The collection agency proceeded to report the account to a consumer reporting agency without providing the necessary disclosures, therefore violating 12 CFR 1006.34 ( d ) and 15 USC 1681-s2 ( 7 ) ( a ). 

I kindly request that the collection agency provide me with proof of delivery of the required validation information and disclosures, before entering this account on my consumer report. It is imperative that they comply with the laws and regulations set forth by the Consumer Financial Protection Bureau. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have no knowledges of this closed account and it is hurting my credit and chances of being approved for other things. I sent a letter to the creditor requesting an investigation be done on XX/XX/2024. I did not receive a response. After 30 days I sent a follow up email requesting they show me the investigation process they took and answer some verification questions. I still did not receive a response. I am now reporting it to CFPB to get help with this matter.

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 2024-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I tried to log into my TD Bank account and notice that it said the information I entered was incorrect when I know for a fact that I put the correct information, so I contacted TD Bank and they told me to contact a branch to solve my issues, I had a negative balance in my account but I had 2 {$800.00} dollar checks that was already cleared and was supposed to be deposited on the account within 6 days, now I'm lost and trying to figure out how can I get my account reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
Charged for services or products that I wasnt aware of.This loan is paid off. Interested in joining the class action lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: CA

Complaint narrative:
The reporting of transaction history between myself and XXXX  XXXX XXXX is a direct violation of 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ). I was not provided a chance to opt out of having my information reported, a right protected by the Gramm-Leach-Bliley Act. I must maintain accuracy in my consumer report. This transaction triggers a taxable event which is treated as gross income. It's important to note that income is not reported on the consumer report XXXX XXXX XXXX account # XXXX opened on XX/XX/2XXXX XXXX XXXX XXXX account # XXXX opened on XX/XX/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 non-monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
XX/XX/XXXX BEST BUY/CBNA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SD XXXX Subject : Request for Removal of Debt from XX/XX/XXXX Dear Best Buy/CBNA, I am writing to request the removal of a debt that was incurred approximately six to seven years ago, as reported on my credit report. The debt in question appears on my credit report under the account number XXXX, and it originated from Best Buy/CBNA. 
After thorough review of my financial records, I have come to realize that this debt has surpassed the statute of limitations and is no longer legally enforceable. According to the Fair Credit Reporting Act ( FCRA ), the statute of limitations for reporting most negative information on a credit report is typically seven years from the date of first delinquency. As such, I kindly request that you remove this outdated debt from my credit report. 
I understand the importance of maintaining accurate and up-to-date credit reports, and I believe that removing this outdated debt would reflect a more accurate representation of my credit history. Removing this debt would also help improve my credit score and provide me with better opportunities for financial stability in the future. 
I would appreciate your prompt attention to this matter. If you require any further information or documentation from me to facilitate the removal process, please do not hesitate to contact me at the above-mentioned contact information. 
Thank you for your understanding and cooperation in resolving this issue. I look forward to receiving confirmation of the removal of the debt from my credit report. 
Thank You,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
incorrect information on 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
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
incorrect information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I received a letter in the mail to settle with Portfolio Recovery. The letter states that if I paid the settlement amount that the balance would be removed in full from my credit report. I sent a money order for option one on the mailed settlement letter and the amount was delivered by the date they stated, which I have tracking and a receipt from the post office showing. They also show that they did receive the payment. Instead of making the balance {$0.00}, they only subtracted the amount that I sent them. My credit report states that I have another late payment with them and that I still owe them {$810.00}. I should not owe them anything since I sent the amount to settle in the time frame that they required to settle with a one time payment. When I contacted the company they requested all of my information and tried to get me to give them my bank card information and access to my entire credit report. They would not discuss the amount owed on my account and when I asked to speak to a supervisor they told me they would call me back in a couple of days. The lady on the phone repeatedly spoke over me, said I was the one speaking over her and asked me if I realized it was Saturday when I questioned why I could not speak to someone other than her. It seems like it would not be legal to mail paperwork to settle and then when the company receives the settlement that the company mailed to you, that they do not honor what they sent you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I am lodging a complaint with PHH Mortgage regarding a situation with my local housing department in XXXX. They sent a delinquent mortgage payment of {$2800.00} on XX/XX/2024, covering both XXXX and XX/XX/2024. After facing hardship and a denied modification from PHH Mortgage, I sold my home to XXXX XXXX XXXX XXXX. Despite numerous calls to PHH Mortgage, I learned on XX/XX/2024, that they received the housing department 's check. I was assured it would be applied before the payoff amount. However, more than a month later, the {$2800.00} has not been credited to my account, potentially leading to an overpayment. The lack of coherent responses from PHH staff is concerning, with conflicting information about the status of the check. Suspicions arise that PHH may have mishandled the payment. I demand clarity and a refund of any overpayment promptly. Failure to address this could result in legal action with an attorney, as PHH has not provided satisfactory explanations regarding the check.

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 2024-03-30 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: MOHELA
State: AL

Complaint narrative:
In XXXX of XXXX  I filed for consolidation of my loans, in that application I applied for the new SAVR IDR plan. My loan consolidation was completed in XXXX of XXXX  but since then I have been waiting on my IDR plan to be processed. Since XXXX I have had to be placed on forbearance and that forbearance had to be renewed several times to prevent me from having to pay the standard payment ( which I can not afford ). Every time that I call to obtain information for why my IDR is not being processed I get meet with resistance and am always told that they have no information to give me and are not able to obtain any information regrading the delay including a possible timeline. Their excuse is that the department that does the processing of the IDR works in a silo and they are unable to communicate with them about any updates. They have also denied my requests to talk to a supervisor to see if they are able to obtain further information or escalate the IDR processing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In XXXX I was manipulated at a store in XXXX by an employee that lied to me about what the interest was on a credit card. I opened it and the employee told me they would mail the card, I could pay it off online and that would be that. They never mailed the card. Without the card allegedly I can't close the account, and I can't pay online. I mailed my payments in on time all the time, but starting in XXXX they started saying they were not getting the checks or that they were late. I know that I am mailing them in on time, I just want to close the account. I feel they are not letting me pay online because then they can always charge me the late fee. They now call me at all hours of the day, for my last payment I just included the late fee because I know how they operate. 

I am the sole provider for my family and I do not have the money to keep paying them what I am. I have told them on multiple occasions I am having problems with my phone and that is why our calls keep getting cut off but despite that they keep throwing me around. I have asked them to mail a card, I have asked them to change the spelling of my address because it is wrong, but they just want to keep taking money. 

They are ruining my XXXX XXXX by saying I am making late payments, which I am not making late payments they are waiting to cash the check. I know when I am mailing them. At this point i just want the account closed. I know that I opened the account at Commenity Bank in the XXXX Florida area and made XXXX and only XXXX charge of about XXXX give or take. 

Since that I have never used the card because I never got it in the mail. I have no ability to cancel it and I need help. At this point the interest is equal to double my original charge. I am not sure what my next steps should be. They are not very nice on the phone, and I just want to close the account, I see that at the bottom you have a place to attach documents I am not a rich person so I am not sure how to do that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
Im looking to remove negativity from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
There was a fraudulent check that was processed on my account from XXXX for {$2200.00} I never had any paper checks that I purchased on any of my navy federal accounts. I spoke with XXXX and confirmed that they didn't withdraw that amount on my prior closed account that I had with them. This account was closed as of XXXX. I also had them send me a print out that showed all transactions that were processed on the account that I had with them prior. This was not associated with the account and whatever this payment went to was nothing that I was associated with. I have been trying to get these funds back since XX/XX/XXXX. I filed a fraud claim that was denied, and filed and appeal in XX/XX/XXXX and was told it would take 15 days to process. I still have not received any updates nor a refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following inquiries need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022

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