vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
Re : Copy of cashed check, front & back - No. : XXXX, {$970.00} Further to CFPB Case Number XXXX, PHH Mortgage Services, XXXX. XXXX XXXX ; XXXX  XXXX, NJ XXXX, former mortgage servicing agent for XXXX responded to the above referenced complaint that Escrow Refund Check Number XXXX, amount {$970.00} ( copy attached ) was replaced with New Check Number XXXX XX/XX/2018 and cashed XX/XX/2018. 

I have requested numerous times a copy of the cancelled check, front & back and have not received it. PHH is no longer the mortgage servicing agent for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I have been trying to get an insurance check co-signed by the mortgage lender so I can deposit it in my account to pay for water damage caused to my condo.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: TN

Complaint narrative:
I received Dispute Results Report # XXXX for XX/XX/20 Experian has my Public Record Unchanged and they used the XXXX Consumer Center to obtain their Public Record Information ... 

I Contacted XXXX Consumer Center Twice to obtain my Public Record Information as Stated on my Credit Report but they could not  Verify the Information I have Attached Evidence of my Correspondence with XXXX Consumer Center ...

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 2020-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
hello we never received anything from this company and know they are reporting me for {$120.00} i have insurance and do not owe this this is not my first problem with this company

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 2020-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi Dear customer service, I received an email from XXXX XXXX that my XXXX XXXX  sent a 30 days late payment for XXXX month to all 3 credit Bureaus. Let me first explain my situation. I closed most of my credit carts about 2 years ago through XXXX XXXX XXXX XXXX department. Every month I am paying them the amount that creditors agreed with them. During the Covid 19 I was not able to pay the full amount due to my financial hardship. It was the first time that I paid less amount to my credit card companies. However, I have already paid the full amount and make them current. The only bank that didn't remove my late payment is XXXX XXXX. I have already made a disput with all 3 credit bureaus and received an email from them that they are unable to remove the late payment from my history. Today I called to XXXX XXXX and humbly request them to do something for me and ask them to let me to make a disput with them, but they said they are not able to do anything for me. I told them I have already spoken with their customer service department and explain them I am not able to pay my full amount but the supervisor told me they have never received a call from me. I swear to XXXX I talked with them a month ago and explained them why I can't pay the full amount and they accepted it. Now, they say I have never talked with anybody in their department which is so weird. I humbly request you to understand my situation and do something for me. I have never had any credit problems with any companies before and this late payment really bothers me. Because of the late payment report my credit score dropped by many points and I am really sad that why I was not able to pay the full amount to them. I thought that XXXX XXXX   will understand my situation and remove my late report because I am sure that this might happened to many people during this Covid 19 pandemic.

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 2020-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TIDEWATER FINANCE COMPANY, INC.
State: GA

Complaint narrative:
we bought furniture and where paying fine till our grand daughter was diagnosis with XXXX after that our financing went down the drain i tried to tell that we are back on our feet and that i am willing to pay full amount out for pay for deletion and i am willing to get them a hardship letter in order for them to delete but they are refusing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
There is an inquiry on my credit report which I am seeking to remove as Im a XXXX year old senior citizen and would appreciate assistance on removing it kindly as I need to get an apartment for my self and seeking trouble in so kindly remove this inquiry as its dinging my score and credit report. I really appreciate as this goes away and Im too old to deal with this issue as it is incorrect or mistakenly there somehow. I appreciate if this disappears soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-30 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:
XXXX  is reporting duplicate creditor files under different names same account numbers. I have written to both creditor and has disputed this 30 days ago. There are multiple accounts. XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX. These are charge office that are reporting a balance updates on XX/XX/20 and XX/XX/20. As well as XXXX and XXXX XXXX XXXX duplicate reporting and are charge offs with a balance update on XX/XX/20 and XX/XX/20.

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 2020-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
There is an inquiry on my credit report which I am seeking to remove as Im a XXXX year old senior citizen and would appreciate assistance on removing it kindly as I need to get an apartment for my self and seeking trouble in so kindly remove this inquiry as its dinging my score and credit report. I really appreciate as this goes away and Im too old to deal with this issue as it is incorrect or mistakenly there somehow. I appreciate if this disappears soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK
State: OH

Complaint narrative:
There is an inquiry on my credit report which I am seeking to remove as Im a XXXX year old senior citizen and would appreciate assistance on removing it kindly as I need to get an apartment for my self and seeking trouble in so kindly remove this inquiry as its dinging my score and credit report. I really appreciate as this goes away and Im too old to deal with this issue as it is incorrect or mistakenly there somehow. I appreciate if this disappears soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Fifth Third Bank uploaded a 1099 for my XXXX taxes on XX/XX/XXXX, well past the deadline to provide 1099s of XX/XX/XXXX. I had already filed my taxes at this point so I needed to amend them and alerted the bank to the issue. They told me they would not help me out so I amended the taxes myself on XX/XX/XXXX. The bank then sent a letter out on XX/XX/XXXX stating that they would cover the cost of amending a tax return due to this error. I called the bank and told them my situation and they said they needed an invoice from an accountant to reimburse me. I told them I couldn't get an actual invoice since I amended the tax return myself because I was originally told that I wouldn't be getting any help and the letter offering reimbursement went out a month after the late 1099 was uploaded. I got a quote from an accountant for what it would have cost so I could be reimbursed for my time but they denied reimbursing me based on that. I never would have amended the taxes on my own if I had received the letter earlier. I would have had an accountant do it and saved my own time but they sent the letter almost a month after uploading the late 1099. I was not able to be reimbursed because they originally said they wouldn't help and I filed on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
I was out of work for several months and went mont a few weeks ago. I was given a forebearance but it would all have to be due in 3 mos. I took the last of the money I had and borrowed the rest to make my last month payment because I dont want to lose my home but knew that I would not be able to pay 3 mos all together. My XXXX payment is due and Im still offered the same arrangement. I dont see how thats helping. I asked for the ombudsman contact info but it wasnt given to me. I was referred to the manager whos handling my forebearance. I dont need to talk to him because the answer will still be the same. I am back working but Im behind on everything needless to say.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The following three credit agencies are reporting Two Bankruptices on my credit report that are in accurate, XXXX, Experian and XXXX   stated that a third party agency XXXX XXXX is reporting it. You can not verify through a third party, that is the fair credit law! I contacted XXXX XXXX, they removed the information that was reporting inaccurate but this is my Third time reporting to the credit bureaus and they REFUSE to remove it!! Its in violation to keep reporting inaccurate information on my credit report! Bankruptcy XX/XX/2016 # XXXX Bankruptcy XXXX XXXX # XXXX! I also have accounts that are inaccurate that are reporting XXXX XXXX XXXX, XXXX 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 2020-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Tried to use XXXX to make a payment to a university in XXXX. PNC has changed its operating procedure and now does not allow the linking of accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have a loan with BANK OF AMERICA. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX   and BANK OF AMERICA with no successful resolution. There was definitely an error on their part.

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 2020-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The following three credit agencies are reporting Two Bankruptices on my credit report that are in accurate, TransUnion, XXXX  and XXXX  stated that a third party agency XXXX XXXX is reporting it. You can not verify through a third party, that is the fair credit law! I contacted XXXX XXXX, they removed the information that was reporting inaccurate but this is my Third time reporting to the credit bureaus and they REFUSE to remove it!! Its in violation to keep reporting inaccurate information on my credit report! Bankruptcy XX/XX/XXXX # XXXX Bankruptcy XX/XX/XXXX # XXXX! I also have accounts that are inaccurate that are reporting XXXX XXXX XXXX, XXXX 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 2020-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The following three credit agencies are reporting Two Bankruptices on my credit report that are in accurate, XXXX, XXXX  and Equifax stated that a third party agency XXXX XXXX  is reporting it. You can not verify through a third party, that is the fair credit law! I contacted XXXX XXXX, they removed the information that was reporting inaccurate but this is my Third time reporting to the credit bureaus and they REFUSE to remove it!! Its in violation to keep reporting inaccurate information on my credit report! Bankruptcy XX/XX/XXXX # XXXX BankruptcyXX/XX/XXXX # XXXX! I also have accounts that are inaccurate that are reporting XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: FL

Complaint narrative:
I have report identity theft to FTC and report 3 credit bureau but equifax refuse to remove anything they hang up rude I been calling month straight Im exhausted

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: FL

Complaint narrative:
I have report identity theft to FTC and report 3 credit bureau but XXXX  refuse to remove anything they hang up rude I been calling month straight Im exhausted

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 2020-07-30 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: FL

Complaint narrative:
I have report identity theft to FTC and report 3 credit bureau but XXXX  refuse to remove anything they hang up rude I been calling month straight Im exhausted

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 2020-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I was told this debt was paid and considered closed. 

It may be under my old name XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I was trying to add my bank account onto my XXXX XXXX account and it wont let me connect them due to an issue that pnc has

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This account was closed last year by the bank thinking it was fraud. Then they re-opened it. However on my credit it still reports open. 

I have written to the bank and they have no fixed this. 

I have called and asked for this to be fixed and it still reflects this information. 

This is my OLD OLD NAVY CARD, 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 2020-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/2020 a fraudulent charge was made on my Barclays XXXX XXXX credit card. This was discovered and reported to the card company on XX/XX/2020. The credit card company refuses to accept the dispute via their web portal, XXXX the phone claiming their dispute department was not taking calls. Their web portal also did not allow for submissions due to errors on the site. Company request a dispute be faxed or emailed In. Fax was sent and electronic confirmation of fax receipt was received, however company refuses to acknowledge receipt. Customer service is of no help. Providing different instructions on each call. This avoidance tactic seems to be common practice as indicated by numerous reviews on trust pilot and consumer affairs review sites. Meanwhile the company continues to charge late fees and reportnegative payment events to credit bureaus. Fraudulent balance was eventually paid by me to avoid continuing adverse impact to credit score. A ny state attorney general complaint has also been filed. Disputed have also been filed with XXXX  and XXXX  and the offending card has been cancelled.

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 2020-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am trying to link my cash app to my XXXX bank card and it keeps telling me I cant

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This account was closed last year by the bank thinking it was fraud. Then they re-opened it. However on my credit it still reports open. 

I have written to the bank and they have no fixed this. 

I have called and asked for this to be fixed and it still reflects this information. 

This is my care credit old card, it sits dormant in dispute mode and need to be marked CLOSED XXXX. 

I have tried endlessly to call the bank to get the credit report entry resolved. I am told they report it and it still shows and unknown status.

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