vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I purchased my 2nd home in XX/XX/XXXX for XXXX XXXXXXXX and began making monthly payments in the mid $ XXXX. Escrow included home insurance, taxes, and PMI. My loan was sold to PHH shortly after I purchased the home. I've never had any sort of issue with a mortgage company and never had a reason to call a mortgage company. Last year I was issued a {$3900.00} rebate check from PHH and my monthly bill was lowered to mid {$2500.00} 's to account for the overpay. That made sense to me. I always received a rebate with my previous mortgage company. I was set up for autopay and never missed a payment. 

In XXXX of XXXX I was issued a monthly statement in the amount of {$3200.00}. It was by sheer luck that I even checked my statement. Since mortgage bills don't change very much and I was set up for autopay I'd just check my bank account every month and see about $ XXXX going to PHH XXXX I've spent over 10 hours on the phone with PHH during normal working hours and their customer services reps based overseas. I am not exaggerating when I say that each one has given me different reasons for why my escrow has been recalculated. When I ask to speak with someone in the escrow department or the tax department I'm told I'm not allowed. 

I'm now told that there was a " shortage '' in my tax payment, despite 2 PHH customer service reps confirming that a tax increase was not the reason for the tax shortage. I can't speak to anybody within PHH who can explain to me what happened or how long the increase in my bill will last. 

This is all a bad dream. I budgeted monthly expenses for the entire year based on my mortgage payment being around {$2600.00}. It is now $ XXXX indefinitely. This is twice as high as my highest mortgage payment with my previous home. I fully acknowledge that interest rates play a role in this, but PHH doesn't want to acknowledge that I bought a house within a certain budget and stuck within that budget because having a monthly mortgage payment over {$3000.00} would have a significant impact on my life.

There is no accountability with PHH. This is essentially mortgage malpractice and PHH doesn't care because they only people that are held accountable for PHH 's errors are PHH 's customers. 

I apologize in advance for my lack of eloquence with this transmission. I am frustrated beyond measure and simply can't take any more time away from work making empty complaints like this that won't persuade PHH to work with me or make changes to prevent this from happening to somebody else. I am astonished that PHH can make an error a year ago that leads to a 26 % increase in my mortgage bill and I am the only one that has to deal with any pain from this error.

Help. Please. 

Best Regards, 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 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I changed the amount of my XXXX  for my American Express BUSINESS card Account on Wednesday XX/XX/XXXX from paying the account balance to paying only {$1000.00} because I knew that I could not make the full {$9800.00} payment that would be due. On Wednesday XX/XX/XXXX I also received an emailed confimation from American Express that my XXXX  change request was accepted. 

I made the request more than 48 business hours prior to the withdrawal. 

Yesterday Monday XX/XX/XXXX the entire {$9800.00} was drafted from my business account. 

I did NOT change my XXXX  request on Monday XX/XX/XXXX for my Business card Account, which is what I was told by American Express. 

I did check my XXXX  amount for my PERSONAL card on Monday, but I made no changes. 

There is an issue with American Express 's

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
A collections account was added onto my credit file that I had no idea of. It was from the company " Transworld System Inc ''. According to XXXX, it was opened XX/XX/XXXX and is now pronounced passed due as of XX/XX/XXXX. This is not my debt, and I have never worked with a company called Transworld System nor taken out a loan of any sort in my name. I first had tried to dispute it on XXXX, but the report came back saying the collection was verified as accurate. Then, they called me asking about the debt. I told them it was not mine, and they told me to file a police report of identity theft. I have yet to do so, I wasn't sure if I report it to the police or another organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting 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 absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account XXXX : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number : 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 2024-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit 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 non-monetary relief
Consumer complaint received 2024-03-19 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit 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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial 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 explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I made a payment from my XXXX account to my American Express credit card on XX/XX/XXXX for {$600.00}. Generally, XXXX offers the option to issue the payment as either a Wire Transfer or a Real Time Payment. For some reason, their mobile app automatically routes the transaction through the Real Time Payment network, so my payment was issued as an RTP, which according to XXXX, is settled immediately. On the American Express side, they claim that they can not locate the payment and asked for a document providing confirmation of the settled transaction, which they provided. Now, American Express says that the funds were returned to XXXX on XX/XX/XXXX, but XXXX can not locate the funds on their end, stating the following : " Please provide a tracking number or reference number for the return of the funds. We can not locate the funds without a reference number. Please note, the reference number listed in the letter from American Express is their internal case number, not a number related to the transaction. '' On XX/XX/XXXX, American Express provided a reference number that XXXX claims they can not use to locate the payment. I need one of the 2 banks to take accountability and return my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-19 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: CA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
ABOUT A MONTH OR SO I RECEIVED A LETTER FROM XXXX XXXX  ( XXXX XXXX ) SAY THAT MY ANUAL FEE WAS GOING TO BE COMIND DUE, AND IF I WANTED TO I COULD CANCEL THE CARD TO AVOID THE FEE, SO I CANCELLED THE CARD BY PHONE. ITSSTILL SHOWING UP AS AN ACTIVE ACCOUNT, INSTEAD OF SAY CLOSED AT CUSTOMERS REQUEST, ITS HAD A XXXX BALANCE FOR AWHILE SO THERE SHOULD E NO PROBLEM.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION
State: SC

Complaint narrative:
In accordance with the Fair Credit act, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
In accordance with the Fair Credit act, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax and XXXX reporting inaccurate and information about my bankruptcy. I respectfully request the CFPB to : Conduct a thorough investigation into the practices of Equifax and XXXX, particularly focusing on how they obtained and reported my bankruptcy information without it being furnished by the State of Virginia, in clear violation of FCRA guidelines. 
Compel Equifax and XXXX to immediately correct the inaccurate bankruptcy information on my credit report, to comply with all applicable laws and regulations, and to take necessary actions to prevent such incidents in the future. 
Provide guidance or assistance to me regarding any further actions I should take to rectify this situation, protect my rights, and ensure such inaccuracies do not recur. 

I have a letter from the state of Virginia stating they did not furnish my bankruptcy to the CRA 's Equifax and XXXX. 
Given the significant discrepancies in the reporting of my credit information, with XXXX not reporting the bankruptcy which Equifax and XXXX have inaccurately listed, I request the following actions to be taken immediately. 

Delete the bankruptcy from my credit report and file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I checked my credit report and I can still see the INQUIRIES that I was requesting to get deleted. These inquiries were not authorized by me and I don't even recognize it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
In accordance with the Fair Credit act has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
Card Connect has been consistently debiting funds from my bank account since XX/XX/2022 without my authorization. Each month, they impose varying fees under the guise of being my designated Merchant Processor. They claim that my business engaged with their sales associate, XXXX XXXX XXXX. However, I want to emphatically state that I never consented to any offer from them, nor did I enter into any form of agreement. Shockingly, they somehow gained access to my bank credentials and proceeded to siphon money from my account without providing any invoices or statements. The total extent of their unauthorized charges exceeds {$1500.00}. 

Attempts to resolve this issue with Card Connect have proven futile. Their customer service system is designed to deflect accountability, with all calls being rerouted to XXXX. After enduring hours of fruitless conversation, no satisfactory resolution is reached. 

It is abundantly clear that Card Connect and its associates are engaged in fraudulent practices and must be subject to a thorough investigation. I have no doubt that numerous small businesses have fallen victim to similar deceptive tactics, resulting in significant financial losses. I urge others to steer clear of Card Connect and to promptly report any instances of fraud perpetrated by them.

Company response to consumer: Closed with explanation