vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
I fell behind in making my mortgage payments and have been repeatedly applying for mortgage modifications. I appealed a decision denying my application for a modification back in XXXX. That appeal was denied, but without addressing the primary reason for my appeal. When the XXXX denial appeal came in, I already had another modification application pending and I received that decision dated XX/XX/23 last week. I had until today ( XX/XX/23 ) to appeal and I filed my appeal today via email. The problem is this, and the mortgage company keeps doing it over and over : The mortgage company is performing a XXXX XXXX XXXX ( " XXXX '' ) calculation and the calculation is wrong for two reasons. One, they are not using my income in performing the XXXX calculation, despite the fact that their own explanation of how they calculate XXXX says that they are " required '' to input certain information when performing the calculation including the accountholder 's income. Then they turn around and say, but it you were denied, it may not have required an income calculation as part of the review and approval process. They can't say in the explanation of NPV calculations that they are " required '' to use my income and then turn around and say, well no, it wasn't required. Second, they are relying on a third party XXXX XXXX  for the value of the home. The XXXX XXXX is based solely on comparable sales in my neighborhood and nearby communities, and a single photo of the outside of the home. They've valued the home at {$420000.00} which is actually laughable at how inflated it is. Our home would be lucky to sell for {$320000.00}. The reasons for the lower value are explained in my appeal. I have a right to ask for a full appraisal and I did ask for that in my appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I was locked out of my account due to their faulty online system. It doesnt offer a way to reset a password without calling and I am unable to make phone calls due to a medical condition. They dont offer email, text or chat contact options so I had to file a complaint with the XXXX  just to get a response. For weeks they kept sending me protected emails with no way to open and read them. 

XXXX finally emailed me directly and told me to go to a branch in person, send a written letter with the account number on it or write a check to bring the balance to XXXX. The closest branch to me is XXXX miles away. Since I cant access my account I cant get the account number, balance or order checks.

I simply want my account closed and they are refusing to honor this request or give me a means to do so that I can accommodate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm a survivor of fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another advance and these mistakes are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data quickly would be incredibly valuable. We are hoping to purchase a house. If it's not too much trouble, help

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 2023-12-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/ we purchased windows from the Home Depot install service in the amount of {$16000.00}. The purchase was paid for with the Home Depot credit card serviced by Citi Bank. The payment terms were 24 months zero % interest, we made the payments on time. The Home Depot install service installed defective windows that did not pass the XXXX XXXX building inspection on XXXX XXXX XXXX  The Home Depot installation service refused to do the required warranty work and we received a certified letter dated XXXX XXXX XXXX  denying our request for warranty work to repair the windows that did not pass inspection. I filed a dispute with the Home Depot Credit Card company. When the dispute was filed there was remaining balance of {$13000.00} on the credit card and we had a credit balance of {$3600.00} due to us. The Home Depot install service sent a certified letter to me and to Home Depot credit card company dated XXXX XXXX XXXX The letter was addressed to XXXX XXXX that has never been a name associated with me. The letter was filled with many untrue facts about me and my husband so they could prevail in the dispute. When the dispute ended the Home Depot Citi card charged our card an additional {$16000.00} which resulted in a balance of {$29000.00}, the charges are fraudulent. The Home Depot Citi Credit card refuses to remove or allow us to dispute the charges and they told us to talk to Home Depot to get them remove the charges. We also were told by the Home Depot Citi credit card employee to file a complaint with The Federal Trade Commission and file a dispute with the credit bureau. How can the credit card get away with charging us an additional {$16000.00} when we did not purchase any additional items using the card. We are XXXX on a fixed income, this is a total scam that has resulted in financial hardship for our family.

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 2023-12-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received a {$200.00} American Express gift card from my employer for the holidays. I attempted to use this gift card to make a purchase on Wednesday XX/XX/XXXX on XXXX. My payment method was declined multiple times. I contacted American Express the same day and they informed me there were security restrictions on the card and that they would remove them and I would be able to make a purchase within the next 24hrs. I waited 24hrs and then attempted to make the same purchase on Thursday XX/XX/XXXX, and I was denied again. I called American Express again and they informed me that I could not use my gift card on XXXX and I would need to use it at a different retailer. On XX/XX/XXXX, I attempted to use the card at a different retailer ( XXXX ) and the card was then declined multiple times there as well. I called American Express yet again and they informed me that I couldn't use the card at XXXX either. At this point American Express is refusing to issue me a new card and it will not work at ANY RETAILER. American Express essentially stole {$200.00} from the person that purchased the gift card for me, as this gift card is completely unusable. American Express should not be discriminating as to what retailers I can and can not use the card at.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have attached documents for your reference. I want the bureau to start an investigation into these accounts, as I am never late, but they inaccurately report me as such.

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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Debt collectors are reaching out to me nonstop for debt collection that I was not aware of.

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 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Relay Financial (US), Corp.
State: CO

Complaint narrative:
Checks can only be deposited via mobile deposit for my account, but mobile deposit limit was set to {$2500.00}. I had to deposit a check for {$3200.00}. The requested limit increase took three days to process, and the check deposit wont be processed until XX/XX/XXXX. The request to increase the limit and process the check was submitted XX/XX/XXXX. 

The payer I am in contract with had attempted an ACH verification on XX/XX/XXXX so we would not have to management payments via paper check. The ACH verification is still pending with this institution, putting an additional invoice scheduled for XX/XX/XXXX at risk of the same road block. This means I will have over {$10000.00} in pending invoices, {$0.00} in wages for myself through the XXXX season, and my business at risk due to unpaid insurance premiums while I wait for the institution to hold on completing any business functions. The institution is no longer responding to emails regarding my concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
i was approved and then they asked for more info to prove my id. i mailed it in. it was my power bill, drivers license, front page of 1040 tax return. they said my address wasnt on the power bill which is impossible, it was. i sent the 1040 from XXXX  they said it had to be XXXX then i faxed in the exact same power bill and now they can see the address but said they could see anything on the XXXX i resent the 1040 and they said they never got it. i got confirmation the fax went through, so they did get it. i faxed the 1040 again. this time they got it but said i didnt sign it. after to talking to them before on the phone 3 times they never said it had to be signed. i just got off the phone now they are saying they need the first and second page of the 1040. never have they said this before. it seems there is always something else i have to provide and they never tell me about upfront. it seems like they dont want to give me a card for some reason and hope i will just give up. every time i fax something to have to go to XXXX XXXX and pay for it. why cant i just email it?!

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 2023-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
My account was frozen for collection. I also have a wage garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX  for me, and I sincerely hope for a swift resolution.

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 2023-12-22 00:00:00
Product: Credit reporting 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:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX  for me, and I sincerely hope for a swift resolution.

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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help

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 2023-12-22 00:00:00
Product: Credit reporting 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:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2023-12-22 00:00:00
Product: Credit reporting 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:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), I am concerned about the inclusion of late payments on my consumer report, which I believe violates my rights under 15 USC 1681 Section 602. As outlined in 15 USC 1681 Section 604a ( 2 ), I maintain the right to privacy and stipulate that a consumer reporting agency can not furnish an account without my explicit written instructions, as stated in 15 USCS 1666b. Furthermore, under the FCRA, a creditor is not permitted to treat a payment on a credit card account under an open-end consumer credit for any purpose without proper adherence to the regulations

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 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I opened a checking account with Wells Fargo from an offer to receive a welcome bonus of {$320.00} if " {$1000.00} or more in qualifying electronic deposits were received within 90 days ''. I deposited electronically a total of {$1000.00} by XX/XX/24. 

When i asked about the missing bonus it was explained to me that the deposits would have to be from an employer and deposits from other banks were not eligible. I think that is very misleading and should have been made clear in the marketing materials. If i had to set up a direct deposit from my employer or other entity that should have been a main part of the marketing as it is with other banks. Other banks that have similar offers that only mention electronic deposits do not have this requirement and accept electronic deposits from any source.

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 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The Bank of America closed my account in the beginning of XXXX, 2023. Monies were withheld/frozen. In a letter the bank indicated they would be mailed to me. I have called the bank several times requesting the status. At times they have indicated the funds would be returned And other times not. During the last communication they indicated the funds were frozen and they would not be released. They indicated I should contact the source that Issued the monies to the bank to have the monies returned to the source.I have not received the money.

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