vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
I was sent money thru cash app from my sister, I am XXXX as far as trying to figure some things out sometimes. So I called cash app and explained that I could not Access my account so they helped me to open a new cash app account on XXXX XXXX and said that they will transfer my money that my sister sent me to my new account so I could get my hotel room because I was in a different city and state and I knew no one here and I had a flat tire even. I told cash app this and the manager said not to worry. I've not received any of the money that my sister has sent to me to date. I had to sleep outside that night because cash app took my money, I have begged them to give me my money and they will not due to security reasons they won't tell me about. I am severely XXXX in my health because cash app did this, I was in ICU the following days because I developed XXXX due to being stranded and having no money or no way to receive money due to cash apps abuse. I do believe they saw my accached debit card as my social security payment card. And took my money as they do other people 's with XXXX. I've asked cash app and my sister that sent the money has almost begged cash app to return the money on my account that cash app has closed. For security reasons they will not tell me about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
When I applied for the suspension of my mortgage payments due to COVID financial impact, I was told that no interest would be charged during the period of time I was on forbearance. the payments and the principle would begin again where they left off and because I was never late on my payments, the missed payments would be tacked on at the end of the contract, either in a balloon payment or monthly payments until I paid all missed payments. As I was checking my account on-line during the time my payments were suspended, I noticed the balance of my mortgage principal owed was increasing. I called Wells Fargo, my mortgage lender, to ask them if interest was being charged during the time I was on forbearance and that I noticed the balance due on my loan was increasing. They said no interest was accruing and to be patient that it would be corrected when I was off forbearance and started paying my regular payments. 

I requested to start paying my regular payments XXXX months ago and that I no longer wished to be on forbearance The balance due on my mortgage grew more than {$20000.00}. It went from approximately {$210000.00} principle due to {$240.00}. I called Wells Fargo, again asked them to explain the added principle owed and was told it was interest that was charged during the time my loan was on forbearance. I told them that I was informed that no interest would be charged during that time period and representative told me that I had misunderstood. 

At this time, I am in the process of applying to other mortgage lenders for a refinance and the payoff on my mortgage is being given to these lenders by Wells Fargo as {$240000.00} principle balance. So now I owe {$2000.00} more on my loan that will have to be paid when I refinance instead of the real principal I owe of {$210000.00}. And if I don't refinance I will be paying interest on the extra principle that was added. Please explain. I still do not understand how I could end up owing more principle on my loan. I know fully that I have to make up those payments at the end of my loan but why did the principle go up? 

As of today I noticed that the principle balance owed on my account went down from {$240000.00} to {$230.00}. Still does not make sense to me. Are the payments I am now making reducing the principle while I am being charged interest on the new higher amount? And if I refinance will I have to pay {$20000.00} more on the loan? Is this interest being charged on calculated interest I was charged during the time my payments were suspended? Looks like Wells Fargo found a way to benefit from the financial difficulties of its customers caused by the COVID 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 2022-02-06 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: Certegy Holdings, LLC
State: MN

Complaint narrative:
The following inquiries listed on my Certegy Consumer File Disclosure Report Tracking Number : XXXX is fraudulent and unauthorized inquiries : XX/XX/2020, {$130.00}, Check Number : XXXX, XXXX XXXX  XXXX, XX/XX/2020, {$130.00}, XXXX XXXX  XXXX, the inquiries, check number and checking account is fraudulent and not mine.

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 2022-02-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The information reported to my consumers file is inaccurate. This tradeline needs to be updated and reported accurate as this account is current with no past due history.

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 2022-02-06 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I am a victim of identity theft and has a current police report on file with Chex Systems. The following reported information and inquiries viewed by others listed on my Chex Systems Consumer ID Report XXXX are fraudulent and unauthorized : XXXX XXXX XXXX$27.00}, XXXX XXXX XXXX XXXX, XX/XX/2022, and XXXX XXXX XXXX XXXX, XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: TX

Complaint narrative:
THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). AS A NATURAL PERSON, I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Experian and XXXX has an Opt Out listed on my credit report. The Opt Out listed on my credit report is preventing me from receiving pre-approved and promotional offers for credit.

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 2022-02-06 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: CA

Complaint narrative:
The information reported to my consumers file is inaccurate. This tradeline needs to be updated and reported accurate as this account is current with no past due history.

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 2022-02-06 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: OR

Complaint narrative:
I Have Three Fraudulent Hard Inquiries on my Equifax credit Report. I originally disputed these fraudulent hard inquiries and got a letter back from Equifax that they do not have records of those inquiries which don't exist. As of XX/XX/22 I checked my free annual credit report and noticed Equifax is still reporting these fraudulent hard inquiries, which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
XXXX and Equifax has an Opt Out listed on my credit report. The Opt Out listed on my credit report is preventing me from receiving pre-approved and promotional offers for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: DC

Complaint narrative:
THIS WAS FRAUD I SUBMITTED A REPORT ON THAT CREDIT CARD ALMOST TWO YEARS AGO AND THEY MUST OF SENT IT TO A DEBT COLLECTOR I HAVE HAD SEVERAL NEW NUMBER SINCE THEN AND NOW THEY HAVE THIS DEBT COLLECTORS CALLING MY NEW NUMBER. I WAS A VICTIM OF IDENTIFY THEFT SEVERAL TIMES AND TOLD THEM THIS INFORMATION SEVERAL TIMES. remove this from my credit immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-06 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: NV

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 im being taken advantage of and being ignored by my disputes. Section 611 ( a ). it is plainly stated that a failure to investigating these items within 30 days give a reason to immediately remove those items from my credit report. it has been over 60 days so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to stress  you caused me. My information was also impacted by the XXXX XXXX XXXX and may gotten into the hands of the wrong person

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 2022-02-06 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: NV

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 im being taken advantage of and being ignored by my disputes. Section 611 ( a ). it is plainly stated that a failure to investigating these items within 30 days give a reason to immediately remove those items from my credit report. it has been over 60 days so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to XXXXXXXX you caused me. My information was also impacted by the Equifax data breach and may gotten into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: NV

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 im being taken advantage of and being ignored by my disputes. Section 611 ( a ). it is plainly stated that a failure to investigating these items within 30 days give a reason to immediately remove those items from my credit report. it has been over 60 days so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to stress you caused me. My information was also impacted by the XXXX data breach and may gotten into the hands of the wrong person

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 2022-02-06 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: LEXISNEXIS
State: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: EQUIFAX, INC.
State: MA

Complaint narrative:
The collection by XXXX XXXX XXXX is settled, paid off and closed but unfortunately still showing some money owed on Equifax reporting ONLY, which is not correct. Could it be a retaliatory move? Because, weeks prior to settlement I closed my Equifax credit monitoring account because of the monthly fee, other reporting agencies updated theirs and XXXX XXXX XXXX said its been reported as closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: GA

Complaint narrative:
Hi! I am needing help removing my bankruptsy from my XXXX and experian report. pls pls help due to me having 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 2022-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
XXXX  XXXX  XXXX  XXXX  XXXX, XXXX OH, XXXX XXXX who took over my mortgage from PHH Mortgage is trying to extort money from me {$360.00} for insurance coverage ( XXXX ) even though I have insurance with the same company, XXXX XXXX on the property from XXXX. I have it with the same insurance company. This is double coverage which is not needed. I provided them proof! No one answers the phone-its a recording m! 

Ever since XXXX took over they have been committing FRAUD!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: GA

Complaint narrative:
Hi! I am needing help removing my bankruptsy from my equafax and XXXX  report. pls pls help due to me having XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX who took over my mortgage from PHH Mortgage is trying to extort money from me {$360.00} for insurance coverage ( XXXX ) even though I have insurance with the same company, XXXX XXXX on the property from XXXX. I have it with the same insurance company. This is double coverage which is not needed. I provided them proof! No one answers the phone-its a recording m! 

Ever since XXXX took over they have been committing FRAUD!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Credit Karma, LLC
State: KS

Complaint narrative:
XX/XX/XXXX my account was accidentally closed out with credit karma and now my money in limbo. Instead of them putting my money in a my spend account they tried to send it out into a bank account thats no longer opened and I canceled that withdraw now my money is gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I received a letter dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX regarding my complaints from XXXX ( total of XXXX ). The problem is still not resolved & their records is incorrect!! 

Since XX/XX/XXXX, I have been filing complaints to get what I call JUSTICE. It took XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL, XXXX, XXXX, almost 2 years to rectify the problem in the XXXX XXXX XXXX XXXX XXXX, meantime I was charged interest on money that was exempt which was never refunded. It finally took XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, to apply the XXXX remaining installments {$110000.00}. Ocwen had reverted to the entire amount & was charging me interest on the deferred as well as the interest bearing amount. In addition, {$580.00} ( HAMP Borrower Incentive Accrued ) was never addressed. 

In my statement dated XX/XX/XXXX, my principal balance was {$65000.00}. In my statement dated XX/XX/XXXX, my principal balance was {$61000.00}. In my statement dated XX/XX/XXXX, my principal balance was {$59000.00}. 

There is no breakdown as to how they arrived at the total funds of {$9600.00} from XX/XX/XXXXXXXX. Ad the payments are made the principal including all additional payments should cause my principal to decrease ( discrepancy ). 

In addition, my payments are due in the 1st with 15 days grace period ( XXXX ). XXXX overcharges me XXXX  ( XXXX ). Payments are paid Thru XXXX XXXX but PHH Mortgage & their constituents deliberately take their money out on the XXXX & XXXX XXXX to charge me ( XXXX {$81.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have a Wells Fargo Mortgage underwritten by XXXX XXXX. Ive been using Wells Fargo online to access the mortgage, details payment etc. 

Today I tried logging in and get the message that I dont have an account with Wells Fargo I never received a letter or communication that the loan was being sold to a new servicer so as of now I have no clue whats happening. I paid XXXX payment of {$3000.00} on XX/XX/22 but cant see it it ever posted on their end. This is unacceptable. Well Fargo needs to be held accountable

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 2022-02-06 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
I had a XXXX paycard from my work which is XXXX. Well one time in XX/XX/XXXX I had gotten a text stating that I won a phone and I just had to pay {$1.00} shipping. So XXXX me fell for it and this was the ONLY TIME I had ever put my card information in. As soon as I did that it cut me off the page and I couldn't find it again. I was nervous hoping I hadn't been scammed so I kept an eye out on my account. On XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX there was a purchase made for {$89.00} to an XXXX  and I had never heard of this place. I live in Tennessee and all of my transactions were made in Tennessee. Well this place said it was Arizona. I tried to look up place online which said it was a fitness place.So I talked to XXXX they opened up a case but said I made the purchase and I know I didn't. So they gave me the number to call the place which when they answered they said XXXX and they would transfer me to XXXX which here I went again XXXX me. Oh and XXXX said in their report it was a clothing store going out of business. Well when I was on the phone with supposed XXXX they kept asking if I had bank account, etc. So I hung up on them and tried to reopen case with XXXX which eventually I seen on the web that the XXXX was a scam site. Well I never got my money back because they said I made the purchase which I didn't. The only thing I could think of was when I put my information in for that {$1.00} shipping for the phone. So its XX/XX/XXXX and still no money back and XXXX  just quit talking to me and now I don't have that card anymore because XXXX sold to XXXX which different card for pay so I got a bank account. But ... XXXXcan u please get my money back to me because I know I didn't do this and I can't get them to believe me so I hope u can help... thank you!!

Company response to consumer: Closed with explanation