vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-27 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: Ocwen Financial Corporation
State: FL

Complaint narrative:
I refinanced and PHH Mortgage purchased the loan. I placed myself on autopay, as I have done for every mortgage for the last 15 years. PHH asked me to mail in something to place me on autopay, which I did and my autopay started. PHH mistakenly removed me from autopay. I found out and made several calls, all to which they advised nobody was available to discuss this with me. On one call in the beginning of XXXX, they said there was nobody that could answer the phone at all and to try back another time. I have had nothing but trouble with PHH Mortgage. They did not disclose the problem with autopay until XXXX when they reported this to the credit bureaus and my scores dropped from the XXXX XXXX to the XXXX XXXX. I HAVE NOT RECEIVED A SINGLE LETTER FROM THEM OR I WOULD HAVE DEALT WITH THIS IMMEDIATELY. THEY WILL LE AND SAY THEY DID BUT WHY WOULD I BE DISHONEST? WHY WOULD I RUIN MY CREDIT IF I CAN ABSOLUTELY AFFORD TO PAY MY MORTGAGE??? I am about to lease a new car and sell this property and now I can only sell my property. I can not rent because of the credit score that PHH mistakenly reported was late. The mistake was on THEIR END. I have never made a late mortgage payment, ever. They even agreed to waive the late fees I already paid to bring my account up to date. This is clearly an admission of their mistake. They have still failed to advise the credit bureaus of THEIR mistake and this has impacted my life terribly. THIS EXACT SAME ISSUE OCCURRED IN XX/XX/XXXXWITH PHH!!!!!!!!! On XX/XX/XXXX, I called PHH AGAIN! at XXXX. I spoke to someone to explain the problem again and asked for the escalation manager. This was at XXXX XXXX. After holding for 9 minutes, someone came on the alone and said there was a bad connection and disconnected me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately and updated or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: NY

Complaint narrative:
This is the last letter before I sue Transunion No more comments

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 2021-07-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear Sir, My wife and I need some help with regard to outlandish practices by the credit bureaus. We have worked hard to clean up our credit and have seen gradual improvements to our scores. This month our credit utilization went up not too much. Our credit cards payments have been on time, sometimes paying twice a month. Now because of the utilization increase outcredit scores dropped nearly 60 point! That outrageous. This just made the difference from buying a house to not being able to. We can understand a slight fluctuation in scores but 60 points is insane. I called Trans Union and am just getting the run around. They claim they can't even tell me what my utilization is! If that's the case then how can they calculate anything? This is ruining our lives. We are just about to graduate as substance abuse counselors. as we had to retrain because of covid job losses, and hoping for a bright future. This has destroyed our lives. Again, this is not because we were late paying, just an increase in utilization for a month. Please could you suggest how we can make these agencies see sense. 

Sincerely, 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 2021-07-27 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: NJ

Complaint narrative:
Wells fargo is currently advertising to apply for a personal line of credit/cash loan. 
I applied directly on the Wells Fargo website. 
I contacted Wells Fargo by telephone for the application update and was informed that Wells Fargo no longer offers the service. I asked them if a credit check was performed and it was. I then asked why was there no disclaimer nor any advisory on the website that the service was no longer offered and the representative had no answer. I informed the representative I would not have applied for the service had I known it was no longer offered. I was never informed by email nor telephone that there was any termination of the service offered. It is still on the website and it is deceiving, inaccurate and needs to be updated. Again I would not have applied nor had a credit score inquiry performed if it wasn't for the misleading advertisement and application process by Wells Fargo

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 2021-07-27 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
I was a victim of identity theft and have several accounts compromised, including my Barclays US credit card. There were a series of fraudulent purchased made using my card through my XXXX XXXX  account on the evening of XX/XX/2021 : XXXX XXXX {$20.00} XXXX XXXX {$7.00} XXXX XXXX {$20.00} XXXX XXXX {$20.00} XXXX XXXX {$20.00} XXXX XXXX {$7.00} XXXX XXXX {$20.00} XXXX XXXX {$20.00} XXXX XXXX {$20.00} I immediately contacted the creditor to freeze my account and report the fraud, which they assured me I wouldn't be charged for, but after investigating the charges, they deemed them as valid. I also contacted XXXX to dispute the charges, but they also deemed them as valid purchases. I don't even know what XXXX XXXX is! I also had my personal and a joint checking account compromised and another credit card, who deemed the charges as fraudulent. I contacted Barclays US after they deemed the fraudulent activity as valid, but they were unwilling to re-evaluate and told me to contact XXXX. I disputed the charges through XXXX, but they also deemed as valid and told me to contact the creditor.

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 2021-07-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: VW Credit
State: CA

Complaint narrative:
I have leased a XXXX XXXX 2020 for 39 months. With XXXX, my car has been sitting idle with very low mileage, and I wish to get out of the lease and recover my investment. 

VW gives me a payoff quote of {$22000.00} which fully covers all their lease payments for the remaining 20 months. 

When I go to XXXX to sell it to them ( the most expedient way a consumer could sell and move on ), VW prevents it and gives a ridiculous {$29000.00} payoff amount to XXXX. 

This is completely unfair and unethical. Why should they have two different payoff amounts? It hurts the consumer that is trying to get out of such situations in these tough Covid times.

This needs to be addressed as I am sure thousands of consumers are suffering from this atrocious business conduct.

Thank you CFPB for investigating and representing the Consumer!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
After purchasing my home, I attempted to stop all junk mail addressed to previous residents. However, the USPS informed me that all third class mail ( credit card offers in this case ) would NOT be returned to sender when I marked them as such. 

Therefore, I called the companies directly and told them to remove all instances of my address from their mailing lists. I also contacted the XXXX  XXXX XXXX to file a complaint about the specific LLC that was clogging my mailbox with all of their offers from XXXX and Chase as I felt there could be fraudulent activity. 

Now after two years, the problem as grown. I am XXXX XXXX and have a dependent with XXXX XXXX XXXX. Often, important mailpieces are drowned in the trash coming from the harassment of the unwanted solicitations. 

Please help me learn how to stop this harassment. Each time the companies claim it will be 6-8 weeks, but I have documentation that it has stretched multiple years. I believe they have corporate policy to not ever stop such activity, or they have automated systems that send more mail than they can control. 

I am on all voluntary lists for eliminating direct marketing, but I feel they are harassing me by sending mail to previous owners/occupants. 

Thank you for any assistance you may provide.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
On today XXXX I checked my credit and seen some thing on there I did do. 

Account Name : XXXX XXXX Date Open : XXXX Account Name : CREDIT ACCEPTANCE CO Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : XXXX, XXXX Date Open : XXXX Account Name : XXXX XXXX- # Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : XXXX XXXXXXXX XXXX Date Open : XXXX Account Name : XXXX XXXX, XXXX Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : XXXX  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: NY

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX  XX/XX/XXXX ) ( XXXX  XXXX XX/XX/XXXX ) ( XXXX  XXXX XX/XX/XXXX ) ( XXXX/XXXX  XX/XX/XXXX ) ( XXXX/XXXX  XX/XX/XXXX ) ( XXXX  XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reportin

g Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2021-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Oklahoma Student Loan Authority
State: IL

Complaint narrative:
On XX/XX/21 XXXX submitted my loan for a credit check to my Servicer. My Servicer had customer service agents who refused to do the credit check. Attached is proof of my report stating their is no credit freeze as of XX/XX/21. They made every excuse to deny me the Summer and Fall semester so I could not graduate. They claimed my credit was frozen so I had it unfrozen and then showed them proof and they still never did the credit check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: Paramount Recovery Systems, L.P.
State: GA

Complaint narrative:
I am a victim of identity theft and did not make any of these charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
I cancelled my auto policy with XXXX XXXX XXXX on or about XX/XX/20. In the following months, they proceeded to continue trying to charge me for premiums and turned my account over to a collection agency CCS COLLECTIONS. I disputed the debt. with XXXX XXXX successfully but XXXX  is still reporting it and my attempt to dispute was unsuccessful. When I contacted XXXX XXXX directly, I was transferred repeatedly to different operators and eventually hung up on.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/2021 I requested an increase with the credit card company. They denied my request. XX/XX/2021, I received a letter from them stating my account is being closed due to " A delinquent credit obligation ( s ), either paid or unpaid ''. I called the company immediately asking why my account was closed. The gentlemen stated based on my current credit, it makes me to risky to be a customer holding a credit card with them. I believe this to be discrimination and unlawful. I have had a credit card account with this company for over 4 years now and have never missed a payment or had a late payment. THe gentlemen I spoke with even said, " I see that you have a good payment history with us. '' This company closing my account with those remarks has affected my credit score.

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 2021-07-27 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: UT

Complaint narrative:
On XX/XX/2021 I sent a certified dispute, and received results XX/XX/2021 that the items in dispute were verified. 

On XX/XX/2021 I sent a certified request under FCRA 611 ( 6 ) ( b ) ( iii ) to provide " a notice after receipt of my request, that contains a description of the procedure used to determine the accuracy and completeness of the information supplied in regards to the investigation of my dispute, which shall be provided by the agency ( Transunion ) including the business name and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher ; if reasonably available. 

Furthermore, I requested that the information be sent to me within 15 days as governed by FCRA 611 ( 7 ).

NO RESPONSE WAS RECEIVED REGARDING MY REQUEST UNDER 611 ( 6 ) ( B ) ( iii ). Yet, Transunion documents my dispute as being " FCRA Compliant ''. 

My dispute was not properly investigated. Even now,, the creditors disputed supply different data to each of the credit bureaus. The avenue that allows the consumer to be notified of how the dispute was investigated, and whom supplied the information has been disregarded by Transunion unlawfully. Transunion representatives state that the company has no obligation to follow the FCRA concerning the 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 2021-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2021 I called this number thinking it was XXXX. A man answered advising his name was XXXX and he said he would be able to help me with my account. I got a message when I logged into XXXX advising that my account was locked due to suspicious activity and that I needed to call this number XXXX. He said I needed to verify my account and they way I would be able to do that was by transferring money into my account. I wire transferred money into what I thought was my coinbase account and it was actually someone elses. There is activity of a wire transfer for {$18000.00} to a domestic account called XXXX XXXX XXXX. I called the wire transfer people as soon as I realized it was a scam to try and cancel it and I also called XXXX XXXX XXXX  but they said there was nothing they could do. I have attached everything to this as well for any numbers you might be able to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
I have been a target of a scam. 
I, at the request of an XXXX agent ( XXXX XXXX ), was asked to help transfer payments from buyers to the accounts of sellers whose Paypal accounts were not working.

I was given a commission to help pay for the transfer costs.

Having a past relationship with this agent, I agreed on a short-term basis to help out.

I did not realize that both the buyers and sellers were either fake or stolen accounts until the buyers were requesting their money back. 
I then contacted XXXX XXXX about this and he guaranteed me he would get the sellers to reverse the payments.

After this did not happen, I then put in a dispute on the payments to help repay back the buyers, in which he began to threaten me. 
It was not until the dispute to XXXX that his accomplices started threatening me. 
I have filed a case with the Federal Trade Commission to investigate this scam case : Report # XXXX. 
All the money I received, were not held in my account, but passed on to the sellers accounts. 
I have included the text messages between XXXX XXXX and I along with a record of the FTC report submission and any emails that are pertinent to the case. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I refinanced and XXXX XXXX  purchased the loan. I placed myself on autopay, as I have done for every mortgage for the last 15 years. XXXX asked me to mail in something to place me on autopay, which I did and my autopay started. XXXX mistakenly removed me from autopay. I found out and made several calls, all to which they advised nobody was available to discuss this with me. On one call in the beginning of XXXX, they said there was nobody that could answer the phone at all and to try back another time. I have had nothing but trouble with XXXX XXXX. They did not disclose the problem with autopay until XXXX when they reported this to the credit bureaus and my scores dropped from the XXXX 's to the 500 's. I HAVE NOT RECEIVED A SINGLE LETTER FROM THEM OR I WOULD HAVE DEALT WITH THIS IMMEDIATELY. THEY WILL LE AND SAY THEY DID BUT WHY WOULD I BE DISHONEST? WHY WOULD I RUIN MY CREDIT IF I CAN ABSOLUTELY AFFORD TO PAY MY MORTGAGE??? I am about to lease a new car and sell this property and now I can only sell my property. I can not rent because of the credit score that XXXX mistakenly reported was late. The mistake was on THEIR END. I have never made a late mortgage payment, ever. They even agreed to waive the late fees I already paid to bring my account up to date. This is clearly an admission of their mistake. They have still failed to advise the credit bureaus of THEIR mistake and this has impacted my life terribly. THIS EXACT SAME ISSUE OCCURRED IN XXXX WITH XXXX!!!!!!!!! On XX/XX/21, I called XXXX AGAIN! at XXXX. I spoke to someone to explain the problem again and asked for the escalation manager. This was at XXXX XXXX After holding for 9 minutes, someone came on the alone and said there was a bad connection and disconnected me!

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