vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
When Covid-19 hit, we were unsure if payments would be made on our home mortgage, I called them and they graciously extended 90 days due to the crisis - called forbearance- noting that full payment must be made for the three months plus the month coming, which I agreed would be fine. I recently checked my credit score and noted that the forbearance was reported and it dropped my credit score by 30 points. This is cruel and unusual punishment for a person who has NEVER missed a payment, EVER. Plus, we had decided to go ahead and bring our account current by making two payments on XX/XX/XXXX, and today, I received a call from the mortgage company wanting to know what we were going to do XX/XX/XXXX. I'm upset on two fronts that calls were made in an attempt to collect a debt that was already paid current - plus, taking a credit report hit that was totally undeserved since the entire country is in a crisis ... ... .just thinking that these actions were not only uncalled for but very unfair to my personal credit and I would like to have satisfaction on this complaint by way of punitive measures against PHH or XXXX, whichever is claiming ownership at this time - maybe even a monetary penalty as well. Needless to say, I will be looking to refi with a different company asap. 

I own and operate a XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) and my personal credit drives many decisions that our vendors make regarding extending credit to my XXXX  - this negatively impacts not only me, but my XXXX  and it's 10 employees. The ripple effect is very strong in my eyes, and this action damaged myself and my 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 2020-05-06 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Reverse Mortgage Solutions, Inc.
State: FL

Complaint narrative:
On XX/XX/2017, XXXX XXXXl filed motion for substitution of counsel on behalf of Reverse Mortgage Solutions Inc. The stipulation reflects that XXXX XXXX signed a consent to substitution of counsel as Vice President for Reverse Mortgage Solutions Inc. Florida is a Judicial State therefore every single document filed by a plaintiff, it is subject to defendant review and/or request specific information pertaining to the documents. 
At this juncture we are asking Reverse Mortgage Solutions Inc, to produce specific proof in that XXXX XXXX held the position of Vice President. Florida Department of Corporations does not reflect that XXXX XXXX ever held a VP Position with the company or any other job title. In Florida or any other State when you a held a position such as company treasury, president, assistant vice president, you must be on the record in order to be on Corporate bank accounts and have signing power to all and any documents. 

According to the Stipulation filed on behalf of Reverse Mortgage Inc, XXXX claims to be Vice president of Reverse Mortgage Inc, yet as mentioned before the Florida Department of Corporations does not have any record of XXXX XXXX. Where did Reverse Mortgage Solutions acquire this name XXXX XXXX? From a credit card promotion naming XXXX XXXX? We believe she does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
During the COVID-19 we asked the bank to reverse interest fees for XXXX and XXXX in the amounts of {$290.00} and {$310.00} totaling {$610.00}. The bank refused to make any considerations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I contacted Suntrust and provided the information about the 3 unauthorized transactions on my account. They denied my claim and refused to respond to me promptly until I filed a complaint with CFPB. They then assigned an agent named XXXX XXXX to work with me on the case and asked me to provide additional information on the case. However, this agent never responded to my call or email requesting status update. 4 weeks after I submitted the rebuttal form, they simply said that I did not provide any additional information and denied my claim again. I was hoping that the bank would do their investigation but apparently it did not seem so. Below is what I stated in the rebuttal form. As a consumer, I do not know how to prove that I did not authorize these transactions. 

" I looked at XXXX policy and they stated that if the fraud transactions were not authorized by the account owner, I should be refunded the full amount stolen. In this case, I hope to recover the full amount of {$1300.00}. 
The following XXXX transactions were NOT authorized by me, and I only saw the transactions when I checked my accounts on XX/XX/2020 : On XX/XX/2020, used XXXX to transfer {$450.00} to XXXX XXXX On XX/XX/2020, used XXXX to transfer {$450.00} to XXXX XXXX On XX/XX/2020, used XXXX to transfer {$470.00} to XXXX XXXX I again can not or do not know how to prove that I was hacked. I hope that the bank fraud protection would be able to assist me in finding out how and when I got hacked. My suggestion is that the investigator should look at the IP addresses that the XXXX  transactions were initiated from. Also, I immediately made changes to my account log-in information the moment I realized the fraud, and these XXXX transactions stopped after. 
Again, I did not authorize any of the 3 transactions listed above. '' I hope CFPB can request Suntrust to do a better job with their investigation and consumer protection. It appears to me now that Suntrust does not want to help me with this case, they just want me to sustain the damage from Identity Theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Comerica
State: MD

Complaint narrative:
XX/XX/2020 - {$200.00} - unauthorized amount was removed from card {$100.00} -Unauthorized amount was removed from card Between XX/XX/2020 to XX/XX/2020 - I contacted the company to resolve the issue of the unauthorized withdrawals and nothing was done. 

A claim was not completed by the company until XX/XX/2020 by that date a total of {$1300.00} in unauthorized payments were withdrawn from my account. 

I have not been refunded any of this money despite my consistent calls and efforts. 

The only thing that the company did was to issue me a new card. 

The Company name is Direct Express I am a senior living on a fixed income and this is money from my monthly social security. 

The only thing that Direct Express advised me to do was to start an investigation by completing paperwork that they mailed out which I did. I sat on the phone for hours 1 to 2 during each call which was over 3 calls. They mailed a letter stating that they could not determine fraud occurred even though the unauthorized purchased appeared for the same location and a location that I do not attend. 

I also have a police report for this matter that has been reported to my local police department dated XX/XX/2020.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/2020 i sold XXXX XXXX XXXX  to a company I used Square to collect the funds after swiping the client card ( XXXX ) it said approved I elected the funds to be deposit 1 to 2 business day in to my business account associated with square. a day or 2 went by and notice that the money was not deposit into my account from square so i reach out to square and my bank. After talking to bank they did not see anything that was deposit into my account with the amount of {$1200.00} so me and the bank went to search other deposit and notice the only deposit that was made was the ones that was instant and charge a 1 % fee that connected to the debit card and not the bank account number but the ones that was suppose be deposited was not in the amount of {$41.00}, {$67.00} {$1200.00} square send me ach trace numbers that i gave to my bank and bank do not have this in there recored of deposit nor in my account ive reach out through email and no response from square at all since XX/XX/2020 all complaint been through email since it no one to talk to direct after they close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Credit reporting, credit repair services, 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: MD

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX made initiated hard inquires on my Equifax credit report. At the time, I was delayed in repaying a loan in the amount of approximately {$630.00}. XXXX XXXX sued me for the amount in question. However, I filed for Chapter XXXX Bankruptcy Protection on XX/XX/XXXX, with a discharge on XX/XX/XXXX. I had earlier filed a complaint with the CFPB ( in early XXXX, I believe ) regarding XXXX  's hard pulls on my credit. The company 's response was that the contract permitted such credit pulls in order to confirm my current location. XXXX XXXX was one of many creditors with whom I was late ( as well as being included in, and discharged through, Chapter XXXX ), yet they were the ONLY ONE to initiate hard pulls on my credit. I believe that this was punitive on their part and had nothing whatsoever to do with " confirming my current location. '' It may be technically legal for them to initiate the credit inquires, but it is most certainly not ethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pacific Retrieval LLC
State: CA

Complaint narrative:
I got a call at XXXX XXXX. I did not answer. I looked up the number online and see people saying that the company is pretty bad, aggressive, rude, ect.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I contacted Transunion on XX/XX/XXXX. It took over 30 minutes to get someone on the phone. Once I was finally able to speak to a customer service representative. She was very short and unfriendly. With a heavy accent. She seemed to have had a problem with me asking her rather or not she was in the U.S. I actually had to explain to her 3 times the nature of my call. 

Next, I explained to her that I had 2 different amounts and collections for the same issue, that occured on the same date, over 7 years ago still appearing on my credit account. Somehow, they were able to set them 2 weeks apart and 2 different amounts. It has severally affected me for over 7 years. I explained that I called the court in which it occured over this past summer and they removed it from my record without me even having to appear. Also, XXXX  removed it, and after speaking with a rep from XXXX  yesterday she also, instantly deleted both records. The CSR rep. at Transunion went on to say, it doesn't matter what the courts or other bureaus has done. She does things differently and the account is from XX/XX/XXXX so it would fall off in XX/XX/XXXX. Then she changed it to XX/XX/XXXX. I asked her how is it that they others were capable to manually delete it, in good faith and she was not? She couldn't provide a answer. I asked to speak to a manager and i have now been placed on hold for literally over an 1 hour, in addition to the time it took for me to get her on the line, and the time I spent speaking with her. I'm convinced that she has not notified a supervisor. And just left me her to give up and hang up. But I will NOT! 

I am so tired of how tax paying, hard working and long suffering citizens are treated here. 

While I am on hold I am going to continue to submit complaints regarding this to every agency and forum I can. 

Also, I am taking a screenshot of the time I called, and wait time is on my automatic timer.

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 2020-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I ran my credit once in XXXX and recently in XXXX in XXXX XXXX XXXX auto and I recently checked my report and I have companys running my credit that I never heard of or gave my social security number out for no reason what so ever. My credit has dropped and I just want to remove the unapproved one one by one

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I ran my credit once in XXXX and recently in XXXX in XXXX XXXX XXXX auto and I recently checked my report and I have companys running my credit that I never heard of or gave my social security number out for no reason what so ever. My credit has dropped and I just want to remove the unapproved one one by one

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Incorrect spelling of name on the account. 
Tried to call an fix it but the automated system is not designed to actually resolve such issues and hangs up all the time.

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 2020-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Improper use on credit report and its dropping my credit I just want it removed it wasnt me at all. Whoever these banks and finance companies are improperly using my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: CA

Complaint narrative:
Ive been a customer for over 5 years never had an issue. This card was secured with my own money and lost some time ago. At the time of loss there were 2-3 unrecognized charges the reps advised they would apply a credit of the secured balance to the account and I was not responsible for the amount being dispute which was minimal. I was advised to make a payment for the difference which was done and then the remaining XXXX  out. 

In late XX/XX/2019 I was advised this account was XXXX  out and is cancelled so nothing further is required. I have never been late and I have contacted the company on numerous occasions advising of my continued dispute. They are still pursuing this and attempted to collected twice as much that was even due at the time of this previously dispute. 

Filed an executive complaint at which time the rep advised no payment was due during the dispute process as that was exactly what was being disputed and they stated this would be handled internally. XXXX and XXXX should have been covered by Covid 19 disaster assistance according to their reps. They applied for XXXX and then again towards XXXX as they could only do one month at a time. Then on XX/XX/XXXX they contacted stating payment was due despite multiple conversations of the contrary Since they continuously act maliciously and have improper billing practices I just paid the entire balance in full to be done with them completely which again which was double what was ever showing on here then they said it was extended for XXXX and XXXX only to report past due on credit reports. Given the exceptional payment history on the account in terms of on time payments the continued efforts to resolve I will be seeking legal if this is not fixed on my credit profile and a portion of not all of the balance is returned to me People do not pay on time for 6 years then make efforts to communicate and set arrangements for covid 19 still being engaged even despite absolute disagreement only to be XXXX  over.

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 2020-05-06 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: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is XXXX XXXX  XXXX XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX   XXXX XXXX failed to give me my " Mini- Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under S i 807 ( 1 ) XXXX XXXX  XXXX XXXX Section807 ( 1 ) XXXX XXXX   XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX XXXX- is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where ABILITY RECOVERY SERVICES is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit reportXXXX XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account 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
Consumer complaint received 2020-05-06 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: Ditech Financial LLC
State: TX

Complaint narrative:
Ditech Mortgage has committed fraud by changing information on my account. After asking repeatedly to get an account detail list of my payments, the company that just purchased them send me a list. I discovered in XXXX Ditech claimed I refinanced a loan. There are no documents shown to prove this. Furthermore I would never attempt another loan with the company or refinance. In fact I've been paying down on my principal. 

Another situation is their reporting of late payments in XXXX and XXXX which is affecting my credit. I have tried to explain this many times and may have to resort to legal aid. There were a few times when I communicated with Ditech by phone. An employee of Ditech, XXXX approved of having my payments deferred. Three months later I was contacted by Ditech telling me this was not approved even though XXXX told me it was. I made up the payments slowly but there should not be a bad credit report because I acted in good faith and believed this was settled. 

Ditech Mortgage is in bankruptcy and another company has taken over but they can not answer for the past errors. Please help. I have a mobile home about to fall apart. I'm trying to buy a new home and will pay off my mortgage with the sale of my land. Everytime I look my credit keeps changing. It went up to XXXX now it's below XXXX and I've not made a late payment to anyone since early XXXX. I desperately need help!! 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: FL

Complaint narrative:
Someone opened services with XXXX XXXX in my name without my knowledge. I sent the paperwork to XXXX and at the time the removed it off my credit report. However now some other company is listing this as mine and I was a victim of Fraud which was already proven some time ago. This XXXX XXXX XXXX in the amount of {$110.00} IS NOT MINE

Company response to consumer: Closed with explanation