vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
On XX/XX/XXXX My Father Died & On XX/XX/XXXX My Mother Died. My parents attorney listed the house into the news paper for 6 months & on XX/XX/XXXX, the House was tranferred into My husband 's & I Name! For 13 years, we never made payments because We was unaware of a house mortgage ; but as We fast foward to today ; XX/XX/XXXX we received a statement from Ocwen/PHH MORTGAGE COMPANY, claiming that We owe them {$230000.00} & We need to make mortgage payments of {$1100.00} beginning at XX/XX/XXXX for 40 years & then We have a Ballon payment of {$4300.00} at the end of 40 year & We're not to make early Payments & if we can't make full payments then We need to refinance?

Mind U, the original loan they claim my mother got was {$150000.00} ** PHH, had a habit of calling all times of the days & nights even on their off hours : harassing Us & not wanting to work with Us or speak with Us, with a civil level.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Social Finance, Inc.
State: MT

Complaint narrative:
On XX/XX/2022, after 2 failed deposits in different amounts and 1 failed accidentally scheduled a deposit for {$1.00} my account was frozen, and my stock positions sold for a loss. I have called and called the number provided in the message that states the account it frozen. The number goes straight to voice-mail and I've left several messages. On XX/XX/2022 I called every number on the company website until I was finally able to speak to someone. They informed me that my account was frozen and I would have to wait for the risk team to sort it out and I was promised an email decision by the end of the day. XXXX I called again and was informed the account was frozen for 60 days. At this time i.also discovered my stock positions had been liquidated at a loss although my account balance was well above zero before the sale. On XXXX I called again, asking for a reinstatement of my positions or the ability to move my money out. I was informed again that the account was frozen and I wouldn't be receiving my gains previously made, just my initial deposit of {$960.00}, and not for 62 days, vs 60 I was told the day before. There is no reason my account should remain frozen, especially for 60-62 days. They also asked me to lie to my depositing bank and claim.i hadn't sent the {$960.00} in order to speed up the process of the return. I will not lie to my bank, nor will I lose the {$400.00} in gains that I made using the {$960.00}. My frozen account balance is {$1300.00}, and I shouldn't have to wait 2 months and/or lose {$400.00} because of a simple error in depositing funds.I 've cost no one any money, I've done nothing illegal, and I don't feel that selling my positions without my.permission is fair. The sale of all stocks resulted in {$190.00} in losses at the time, and untouched until present would have been a far greater amount of gains, costing me even more. I have begged, pleaded, and threatened legal action to no avail. Simply put, Sofi had stolen {$400.00}, locked up {$960.00}, and cost me and additional {$190.00} in just one day of unwarranted actions. In 62 days my {$960.00} is.supposed to be returned but I received a message today from SoFi explaining that it will take up to 180 days. The potential loss is exponential in 6 months time. I want my money, XXXX {$1500.00} returned to me immediately by check or as a transfer to another trading platform. I shouldn't have to wait 6 months for only a percentage of my money to be returned. I saved for a long time to have this money to invest since I don't have a retirement plan. This sets me back 6 months, but likely.much much longer. Stocks are at historic lows making for a.great opportunity that I'm getting robbed of because SoFi doesn't want to release my funds back to me or allow me to transfer my small investment to another brokerage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: MS

Complaint narrative:
This is my second attempt to correct my personal information with experian, XXXX, and 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 non-monetary relief
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
XX/XX/2018 Portfolio RC : Balance {$470.00} Don't recognize account Looking forward to getting this negative items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I received a check for about XXXX $ around the end of XXXX, then on XX/XX/XXXX, I went to the nearest Wells Fargo to cash the check. Once I cashed it out, I went to the ATM just outside the bank to deposit the money. Once I deposited the money, I attempted to withdraw XXXX XXXX I was given an error on the ATM stating there was not enough money in the ATM. I didn't understand why there wasn't enough money since I just deposited XXXX $ shortly before but I didn't think too much of it at the time. I went back into the bank and withdrew the money from the front desk. Once I arrived home, I check my account balance on my computer and noticed a XXXX $ withdrawal transaction between the XXXX $ transaction and XXXX $ withdrawal. I immediately went back to the bank, checked the ATM just in case, then walked into the bank to ask about this transaction. I explained the situation to the bank teller then I was told to call the support number or file for fraud on the website when I got home. That was my only option so I did exactly that. When I arrived home, I submitted a case about an unauthorized ATM transaction. I was to receive a new debit card within 5 to 7 business days. On XX/XX/XXXX, I was told through email that the case is being looked into. Not long after, I checked the status of the case and it said " closed ''. I didn't receive an email or phone call pertaining to the closing of the case, it was just closed one day. I called support where I was told there was nothing they could do about it since the case was closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: MS

Complaint narrative:
This is my second attempt to correct my personal information with XXXX, transunion, and 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 non-monetary relief
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
This is my second attempt to correct my personal information with XXXX, XXXX, and equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
At XXXX on XX/XX/XXXX, I was eating. Suddenly, the phone kept ringing continuously, and there were always transactions reminders for the BOA credit card. I was taken aback. I saw there were so many transactions from XXXX at the same time. Subsequent transactions were automatically declined by the bank because of too many. I know the credit card was fraudulent. I cantacted the bank to cancel the credit card and send me a new card.Then I contacted XXXX customer service and told them the transactions were not made by me.They canceled most of the transactions. There were only two transactions of {$99.00}. The customer service said that they were membership fees, and let me log into the account to cancel them by myself. But I didn't know what the account was and I didn't purchase the membership fees. I just could contact the bank to report the fraud transactions. The bank said they would cancel all transactions. In XXXX of this year, the bank deducted the two transactions again, saying that they were normal transactions without fraud after investigation. I contacted the bank again with some more details. But the bank sent me a letter on XX/XX/XXXX, and still considered them to be normal transactions. Later I could only contact XXXXXXXX XXXX customer service to report the incident. It was then handed over to Fraud department for investigation. The fraud department requested me the proofs of my home addresses and billing address. I sent the proofs.Then the fraud department let me submit a proof of address of PA.But I did not know the address.I never left CA.The address was from the account of purchasing membership fees.I have checked the address was of a XXXX restaurant.I did not know the restaurant.The XXXX customer service told me the user name of the account is XXXX.I did not recognize the account. I just made sure that my card was stolen and used to spend two {$99.00} on XXXX. All of the transactions were canceled except for the two transactions. I could support the message of the fraud 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 explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Citibank is still refusing to send me my money after my account was closed. So found out today they are trying to say my account was closed on XXXX XX/XX/XXXX which is very untrue. This is an indication of deceptiveness of this bank. My account was to be closed around the XXXX or XXXX of XX/XX/2022. Then the phone was hung up on me in one instant and I called back. The fourth representative told me about the wrong closing date of account and then she said the system automatically prints out a check and I should have received it XXXX days after account closure. She couldn't tell me if the check had already been printed and mailed. 

Lie after lie, day after day. This company is disgusting as it gets. Day after day trying to get what belongs to you shows how much these people and company are thieves as clear as day. Holding on to other people 's possessions and assets that don't belong to them. 

On on other hand, I see they are giving people money to open accounts. They are probably using all of the money they are freezing in peoples accounts or refusing to refund back to attract others to this scam of a 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 monetary relief
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc.
State: WA

Complaint narrative:
I have a small open account with Swiss Colony, from which I buy an annual gift or two every holiday season. that is the only time of the year I buy from them. my initial payment is due in mid XXXX. however 3 separate times now and 2 years in a row, Swiss Colony has reported to all 3 major credit reporting agencies that I have 2 additional late payments. most recently twice this year they reported that I had a late payment in XXXX and XXXX XXXX however thats not possible. I rechecked my prior orders in my account with them and I had no order around that time. I only had the holiday order and paid my balance in early XXXX on time. I have previously reported issues directly to Swiss Colony and its taken forever to get things fixed the 1st time. this 2nd time I went thru my credit reporting XXXX XXXX and thought it was fixed as it disappeared however back on XX/XX/XXXX all 3 credit reporting agencies notified of an update from Swiss Colony. When I went to look sure enough the bogus late payment from XXXX and XX/XX/XXXX was back again. IT IS NOT VALID. every time they they make this incorrect reporting, my credit score goes WAY DOWN and it takes forever to get it back up. I shouldnt be dinged for something that isnt correct and that they cant seem to get corrected in their system for the life of them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
Transworld System violated my consumer rights pursuant 15 U.S.C1692f unfair practices, 15 U.S.C 1692c ceasing communication,15 U.S.C 1692g validation of debt,15 U.S.C 1692e false or misleading representation or implication that any individual is an attorney or that any communication is from an attorney.

Another violation includes 15 U.S.C 6802 - obligations with respect to disclosures of personal information. Lastly 15 U.S.C 1681 ( a ) ( 3 ) Restriction on sharing medical information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/2018 XXXX XXXX : Balance {$470.00} Don't recognize account Looking forward to getting this negative items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I did not authorize you to furnish XXXX University on my consumer report. Please present me with permissible proof that I gave experian the right to furnish anything negative on my consumer 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 explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: DE

Complaint narrative:
Within the past year, XXXX was removed from my credit report. Now theyve got another company putting it on my credit reports when Im trying to buy a house causing my score to take a dip. Ridiculous. It was removed already. They cant just put it back on. Right?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
A XXXXXXXX XXXX used my name and social security number and add me as a cosigner on a loan and filed XXXX  XXXX I contact the bank, and they refuse to do anything about 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 non-monetary relief
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2022 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. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: FL

Complaint narrative:
I make a complain on XX/XX/2022 ID XXXX to CORELOGIC CREDC The reason they improper use of my report, they today response that send me a letter and they not receive any information for me, That information is false, I send a fax to they to the number show me in a letter, this is ( XXXX ) XXXX, is very irresponsible That afirmation, I have a copy of the fax that I send from XXXX XXXX XXXX for this reason I need reopen my case, because they are traet my case without attention that this matter need, they make me a serios damage in my credit report without my consent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I tried using Experian upload on their designated website to upload my documentation and they're website isn't allowing me. Ive been denied for credit due to Experian negligence and inaccurate reporting of my personal information. They haven't rectified my affairs and are willfully non complaint when im sending them documentation certified mail.

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