vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
XXXX. The mortgage servicer PHH Mortgage Services has denied the review of my Mortgage Assistance application. 

XXXX. PHH Mortgage Services previously approved a short sale option to sell my home. However, the buyer did not complete the sale, which caused the approval of my short sale to expire. 

XXXX. I informed PHH Mortgage Services upon the expiration of my short sale approval, that I had obtained a new buyer and could proceed. 

XXXX. PHH Mortgage Services advised me I would need to reapply because the previous short sale had expired. PHH Mortgage Services assured me that I would be approved as the file had just closed. 
XXXX. I applied and PHH Mortgage Services denied my application stating they did not have time to complete the short sale. 
XXXX. PHH Mortgage Services had entered a foreclosure sale date, within days of my submitting a complete mortgage assistance application, PHH Mortgage Services entered a foreclosure sale date of XX/XX/XXXX. 

XXXX. The actions of PHH Mortgage Services are consistent with Dual Tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance option. In addition, XXXX XXXX violates the rule of RESPA AND ECOA, while failing to properly and timely provide XXXX XXXX with the required documentation to complete modification and or provide a Mortgage Assistance package, while discriminating against XXXX XXXX by not accepting said RMA application. 

a. This practice violates federal law ( 12 C.F.R. 1024.41 ) ; The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict dual tracking. 

XXXX. As stated in the opening of this Notice of Error, I complied with instructions provided by PHH Mortgage Services and continued to apply and request assistance. However, a foreclosure sale date was scheduled, and assistance was denied. As of XX/XX/XXXX, the sale date of XX/XX/XXXX, remains on record.

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 2024-05-02 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: NY

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts. Secondly according to the 15 us code 1681.The law clearly states XXXX. Accuracy and fairness of credit reporting. The Congress makes the following findings : XXXX. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I sent out a letter To Verify The Accuracy On Credit Report and I did not get a response. So I send out another letter just in case they didn't receive it still no respond. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. I have the list of accounts thats inaccurate and its in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts. Secondly according to the 15 us code 1681.The law clearly states XXXX. Accuracy and fairness of credit reporting. The Congress makes the following findings : XXXX. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I sent out a letter To Verify The Accuracy On Credit Report and I did not get a response. So I send out another letter just in case they didn't receive it still no respond. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. I have the list of accounts thats inaccurate and its in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: ND

Complaint narrative:
I recently filed a dispute with Chime Financial on XX/XX/XXXX in regards to XXXX unauthorized transactions from XX/XX/XXXX - XXXX. 

With the dispute ID of XXXX Chime denied my disputes after 10 days on XX/XX/XXXX. 

I got 3 emails from Chime : The first was in the amount of XXXX which Chime said no error was found and DENIED The 2nd was in the amount of XXXX Chime also claimed no error was found, DENIED. 
The 3rd email was in the amount of XXXX it says MERCHANT Error so they ACCEPTED The Fraudulent transactions began on XX/XX/XXXX but I never received any notifications from Chime until XX/XX/XXXX. 
I authorized 2 transactions thinking it was something on my end. 
Chime continued sending me fraud alerts up until XX/XX/XXXX and I DENIED ALL OF IT but the transactions was still going through. 
Chime was also approving transactions to go through that had unavailable funds. 

I called Chime a few days on XX/XX/XXXX to follow up with my disputes and a customer representative told me my disputes and being looked and assured me that my dispute will be approved and I will receive my provisional credits, al I need to do is wait After receiving the DENIED I immediately called Chime and was put on hold and after a few minutes the call was hung-up. 

I called Chime back and a dispute representative reopened my dispute. 
I uploaded my screenshots of the fraud alerts and me denying the transactions along with Chime authorizing transactions that had no funds..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
Coinbase is currently holding almost {$1000.00} of my money and refuses to return it to me. 
On XXXX I made a Deposit to Coinbase using their website. A user interface bug ( which automatically changed the selected network ) caused me to send currency to Coinbase on a network they claim is unsupported. I contacted them about this immediately and they said they did not support that currency ( UDST ) on that network ( XXXX  ) at the time. They support both XXXX and USDT separately, but not together. They claim they can not recover these funds, but the fact is that they can- they just don't have an automated system to do it and they do not want to spend the time to help. Coinbase holds the private keys to the address the funds have been " incorrectly '' deposited to due to their user interface issue, and they refuse to do the work to return the funds to me. I waited for about a year for this network to be supported and it still isn't. I contacted them again on XXXX and they still say they do not support USDT on XXXX and that they will not do the necessary work to return my funds to me. This is the transaction in question : XXXX XXXX XXXX The original case number from XXXX is : Case # XXXX The new case number from XXXX is : Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am writing to file a formal complaint against Navient due to a series of unfair, deceptive, and abusive acts and practices that have significantly impacted my financial stability and personal life. As a XXXX XXXX, these practices have also jeopardized my ability to maintain my security clearance, directly affecting my career And duty. 

1. Harassment and Coercive Practices : Navient has persistently made harassing phone calls demanding payment, despite my clear financial constraints. Their representatives have advised me to reduce my basic living expenses and even suggested that I borrow money from relatives to meet loan payments, showcasing a lack of consideration and ethical lending practices. 
2. Unreasonable Settlement Offers : On multiple occasions, Navient has pressured me to accept settlement offers that were not financially feasible. They presented these offers as once-in-a-lifetime opportunities, using high-pressure tactics to coerce acceptance. 
3. Invasion of Privacy : Navient has overstepped boundaries by contacting my family members without my consent, seeking personal information and payment towards my student loans. This not only breaches privacy norms but also places undue stress on my family relationships. 
4. Educational Institution Misconduct : I attended the XXXX XXXX XXXX XXXX XXXX from XXXX to XXXX, a school that has since been closed due to predatory and illegal practices. The loans for this institution, initially serviced by Sallie Mae and later by Navient, have been a source of continual struggle due to the deceptive circumstances under which they were promoted and agreed upon. 
5. Discharge Under BDTR : My federal loans have been discharged under the Borrower Defense to Repayment ( BDTR ) due to the recognized misconduct of my educational institution. However, the ongoing issues with Navient, including their handling of my remaining loans and their aggressive collection practices, continue to cause significant personal distress and financial instability. 

These actions by Navient represent a blatant disregard for borrower rights and protections that are expected from a federal loan servicer. Managing these loans under such aggressive and unethical tactics has not only financial implications but also potential long-term effects on my career in the military. 

I urge the CFPB to investigate these practices and to hold Navient accountable for their actions that are contrary to the principles of fair and ethical lending. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
EQUIFAX BLOCKED MY CREDIT REPORT AND REQUESTED PERSONAL INFORMATION THAT I PROVIDED TO RESOLVE ISSUE. 
IT GIVE ME EQUIFAX ERROR CODE BLNK THAT NEEDS TO BE FIXED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Recently XXXX companies ( XXXX XXXX and XXXX XXXX XXXX XXXX, sent me letters of data breaches where information on me was compromised. I was advised to put a security freeze on my credit files at XXXX, Experian XXXX XXXX. XXXX XXXX XXXX were a breeze and I was able to do this in XXXX or XXXX minutes each. 

I have spent many hours over multiple days trying to set up an Experian account. Their website appears simple but always produces an error indicating they are experiencing technical difficulties ; try again. I have used multiple devices ( computer/phone ) and many browsers to no avail. Their online help systems send me in circles. I have called them many times on many numbers but their automated telephone menus send me in circles. I have not found a way to talk to a live person or report an issue with them without already having an account. 

I have found Experian monitoring sites that indicate there is no problem with their system. 

I have found online blogs where other users have had similar problems. Most try for days, weeks, or months and eventually give up. Some have reported this kind of issue recently while others go back many years. 

Experian has a powerful role in the finances of ordinary people. Yet they make it very difficult if not impossible to report the most basic technical issues. 

I understand that setting up accounts may not be the typical complaint you are accustomed to. However, this is a fundamental service that they should provide. I would very much like to deal with them directly on this issue but I found it beyond my abilities to find a way to contact them and am not alone. It shouldn't be this hard. I'm exhausted, they deserve a complaint. 

I am a XXXX XXXX XXXX XXXX XXXX ) and I'm extremely proficient in using them. If I'm having difficulty I'm sure there are many others with the same issue. 

Note : I was eventually able to freeze my Experian credit report without setting up an account ; that is not my complaint. My complaint is I haven't been able to set up an account or contact them about the problem I'm having.

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 2024-05-02 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: TX

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-05-02 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: TX

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: NJ

Complaint narrative:
XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, XXXX, and Equifax have violated my rights. 

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 an 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 or 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 data is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
There are over 24 unauthorized inquiries on my credit report that are fraudulent I reached out to the original creditors and received no response these accounts need to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There are over 24 unauthorized inquiries on my credit report that are fraudulent I reached out to the original creditors and received no response these accounts need to be removed immediately

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