vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Ocwen better know these days as, '' PHH '' is involved in fraud ; deep and far reaching. I have filed complaints with the XXXX, I have called upon Government Agency to no avail, and still the fraud continues. 

In XXXX, once it became clear no real effort on behalf of this Mortgage Servicer was made or ever going to be made to bring this issue to a resolution, I made it clear they would NOT receive further payment. As a direct result of ALL my rights being violated without question, provable and factual ; my ability to earn a living and any semblance of peace and been usurped and in its place conflict and strife, in order to defend my land against these criminals. 

I have provided all required documents to prove a. my home is paid off, and b. PHH is involved in a fraudulent foreclosure, using deceitful practices akin to those of 2008. As they have not learned their lesson then or now, I will be suing this company. In an attempt to expose this fraud, protect myself, and ALL those who may be affected by such harmful practices with zero protections or help. I am doing this for all those reasons. I've lost so much in fighting this battle ; sleep, money, peace, resources. I intend to get it all back and do my part to expose this. Here I am again reaching out, this is how the working poor are treated.

I may not have a formal education, but I'm smart enough to know I have a case, and I'm bringing the fight directly to this mortgage servicers that lies, and lies some more. They'll have to prove all my accounts and recordings are false ; which won't happen.

As a result of this servicer dragging this on issues with respect to escrow have come about, issues brought on as a result of this servicer purposeful actions to keep account open, understanding that I would not pay them direct, I'll pay my property taxes on my own for me to send them payment is my acknowledgment that a debt is owed to them which it isn't. This is in protest, that it may reach the right eyes and ears and receive genuine help. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: PA

Complaint narrative:
I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: SUCCESS MORTGAGE PARTNERS, INC
State: PA

Complaint narrative:
Success Mortgage Partners Inc. - Predatory Lender. 

I started my VA Loan in XX/XX/XXXX with Success Mortgage Partners. Loan was sold to XXXX Mortgage Co, and I applied for a forbearance with XXXX and was approved in XX/XX/XXXX due to some health issues etc. Mortgage was repurchased by Success Mortgage Partners in XXXX. Success Mortgage Partners refused to honor the forbearance and demanded immediate payment. They have called numerous times demanding payment, or they would foreclose. 

During this whole time, I have only received 2 mortgage statements ( XX/XX/XXXX and XX/XX/XXXX ). I thought it was federal law that a mortgage company had to provide statements and notices monthly. The one statement in XX/XX/XXXX showed NO Overdue amount. Then they called me at the beginning of XX/XX/XXXX threatening foreclosure again. 

I never receive any notices, it's always a phone call. They also never verify my identity when I call them. All you need is the loan number, and they divulge personal information without hesitation. They have also refused to pay my Homeowners insurance which was sent to them in XX/XX/XXXX and due to expire XX/XX/XXXX. 

Please Help. 

XXXX XXXX American Veteran

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: CBC Companies, Inc.
State: CA

Complaint narrative:
This complaint is addressed to INNOVIS. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My mortgage company XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX  ) was paid in full, I did receive written and phone verification that loan was paid in full and satisfied on XX/XX/2023. I had contacted XXXX  and requested that they release my information to the credit bureaus so my credit score will be increased as I am awaiting a new loan for a new house. I was told that the info was sent to the bureaus on XX/XX/2023 ( but according to the bureaus, that is not true and the 3 have not received any notification ). I contacted XXXX  again and requested again to be released ASAP as this issue is holding up my credit score increase and ability to get best loan rates and approval. I have already lost almost 2 months and chances on real estate were sold to another as I cant secure the new loan at this time. I know that Federal Banking Regulations require them to continue to report every 30 days on a loan and the fact that they are in violation is harming my credit and chances to secure a new home loan. I also understand that XXXX has a history of complaints and violations against their entity. I respectfully request that this entity be held accountable to fullest extent as they continue to violate regulations. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have an account with XXXX  XXXX through bjs account number # XXXX and another account that comenity account number # XXXX where I am charged monthly amount to pay off the payment for my dental bill but I was charged twice over a year ago and have tried to get that money back being an amount around XXXX dollars the bank has refused to refund my money while also continue to call me insisting that I still owe them money when that isn't the case and they refuse to even discuss returning the money they took form me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: AFNI INC.
State: TN

Complaint narrative:
AFNI debt collector for XXXX. AFNI have been threatening to send me to jail or sue me for a balance of {$840.00} that I dont owe the company in 2016. I have tried reaching out multiple times, along with disputing this through all three credit bureaus. I have not had any success with getting this debt removed from my credit. This debt does not belong to me, and I have no knowledge of this debt. Please assist with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: FL

Complaint narrative:
In 2022 I received two Mastercard prepaid debit cards from XXXX XXXXXXXX that are managed by " myprepaidcenter.com, '' but since receiving these cards I have never been able to use them to make purchases as the card promised. I did the following : 1. I went to myprepaidcenter.com website where I created an account to view my balances.

2. I activated the two prepaid Master card cards. 
3. I have been unable to view the list of merchants that accept the cards 4. When I called myprepaidcenter.com customer support at XXXX the representatives I speak with do not give clear instructions on what merchants I can buy products from. Their explanations are vague, unintelligible, and oftentimes ambiguous. 
5. Once the prepaid debit card expires after one calendar, the service charges {$4.00} USD per month, but send a new card to me. 
6. On the front of the prepaid Mastercard card it is written " FUNDS DO NOT EXPIRE, '' but there is a {$4.00} service fee per month that is automatically deducted from my prepaid Mastercard card. 

I believe this practice is misleading, deceiving, and inappropriate because myprepaidcenter.com falsely advertises a product that does not work. Consumerfinance.gov must investigate this matter further because there may be millions of dollars that consumers are being cheated of, and these companies are getting away with fraud by making it almost impossible to use these prepaid cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: GA

Complaint narrative:
U.S. Bank sent a credit card to collections, under my name and information but I do not recognize the account or any associated charges. This account is fraudulent and needs to be closed and removed from my credit files and consumer reports. 

Below is information sent to me after I attempted to dispute the information. 

Supposedly : Original Creditor : U.S. Bank, N.A. 
Current Owner : XXXX XXXX XXXX Reference ID : XXXX Balance : {$540.00} I am completely unaware of how and why this information is on my consumer report and credit reports, when the account was reported fraudulent years ago. This is ruining my credit score and preventing me from various opportunities to grow my personal business and provide for my 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 non-monetary relief
Consumer complaint received 2023-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
XXXX & Convergent Outsourcing. I returned all the equipment and paid all my bills but they can't tell me what I'm being charged for nor why this is still on my credit report as a collection. Furthermore I'm sure this is at least if not more than 7 years old. I have not had XXXX in some years but they keep placing it on my credit report and it's costing me thousands of dollars as a consumer. It is the only derogatory comment on my credit account and is affecting me more than anything. There is no money owed to XXXX at all and I'm not sure where they are getting this information from. I spoke with convergent outsourcing and they have no idea other than they just want me to pay. I don't know what I'm paying for and it almost seems scamish.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
was told it was be no credit check and no hard inquiry XXXX XXXXXXXXXXXX XXXX XXXX  set XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-03-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
was told it was be no credit check and no hard inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
On XX/XX/2022 I sent a letter to each of the negative accounts on my credit report informing them that the account was the result of credit fraud from idenity thief and that l wouldn't accept responsibility for those accounts. I never heard back from them. 
The accounts are : JPMCB Auto XXXX XXXX XXXX XXXX XXXX  XXXX accounts XXXX XXXX XXXX and a collection company. 
On XXXX XXXX I contacted the three Credit Reporting agencies and told them I was a victim of identity thief and disputed each of these accounts. 
On XXXX XXXX I received an E-mail stating that each creditor had verified that the information was true and correct and wouldn't remove the accounts from my account. 
I have been in XXXX  since XXXX XXXX and I am still in XXXX  today, my XXXX # is XXXX And I also informed the creditors of the same information. 
All of the accounts were opened during the time after I was XXXX.I couldn't sign for any of these from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: AMERICAN HONDA FINANCE CORP
State: MS

Complaint narrative:
On XX/XX/2022 I sent a letter to each of the negative accounts on my credit report informing them that the account was the result of credit fraud from idenity thief and that l wouldn't accept responsibility for those accounts. I never heard back from them. 
The accounts are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts XXXX XXXXXXXX XXXXs and a collection company. 
On XXXX XXXX I contacted the three Credit Reporting agencies and told them I was a victim of identity thief and disputed each of these accounts. 
On XXXX XXXX I received an E-mail stating that each creditor had verified that the information was true and correct and wouldn't remove the accounts from my account. 
I have been in prison since XXXX XXXX and I am still in prison today, my MDOC # is XXXX And I also informed the creditors of the same information. 
All of the accounts were opened during the time after I was XXXXI couldn't sign for any of these from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX is reporting old XXXX accounts with a XXXX balance to my XXXX and TransUnion credit reports that should have been removed after loan rehabilitation was completed on the accounts in XXXX of last year. These listing are also reported to the credit bureaus as duplicate accounts often, which significantly negatively impact my credit score and prevent me from renting a home for shelter and opening new lines of 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 2023-03-09 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: GA

Complaint narrative:
XXXX is reporting old XXXX accounts with a XXXX balance to my equifax and XXXX credit reports that should have been removed after loan rehabilitation was completed on the accounts in XXXX of last year. These listing are also reported to the credit bureaus as duplicate accounts often, which significantly negatively impact my credit score and prevent me from renting a home for shelter and opening new lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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:
Experian inquiry Removal XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Late Payment Date : XX/XX/XXXX Covid 19 Relief Program which prevented late payments to be reported. 

XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Late Payment Date : XX/XX/XXXX Never Late inaccurate reporting which is against consumer law.

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 2023-03-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
A Charge Off from Capital for the amount of {$2600.00} and {$2100.00} is negatively affecting my credit report. I have filed several disputes and no resolution has been made. 

As per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or outdated. I am exercising this right to dispute the charge off on my credit report. 

Furthermore, under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 USC 6801, credit bureaus are required to maintain the accuracy and integrity of the information they report. The charge off on my credit report does not meet this requirement. 

In addition, I would like to bring to your attention that charge offs are considered gross and ordinary income under the Internal Revenue Code, and as such, should be reported as such on Form 1099-C by the creditor. Failure to issue a 1099-C for the charge off may result in penalties for the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: VA

Complaint narrative:
The account information that Transunion is reporting on my consumer report regarding XXXX XXXX XXXX Account # XXXX is inaccurate and or incomplete, causing me as an consumer a financial hardship.

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 2023-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602 states, I have the rights to privacy. 15 USC 1681 Section 604a Section 2 It also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open customer credit plan as late for any purpose.

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 2023-03-09 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602 states, I have the rights to privacy. 15 USC 1681 Section 604a Section 2 It also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open customer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX creditor has violated my rights.

1

0 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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