vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
Our Mortgage started XX/XX/XXXX with XXXX XXXX and was later sold to PHH Mortgage who holds our mortgage now. 

Somehow, the tax bill belonging to the two properties adjacent to ours has been paid out of our escrow account in both year XXXX and XXXX. 

XX/XX/XXXX- {$1900.00} and {$1900.00} was paid to the county tax office out of our escrow, along with our correct parcel tax bill of {$2800.00}. 

XX/XX/XXXX- {$1900.00} and {$2000.00} was paid again to our county tax office out of our escrow account, along with the correct parcel tax bill of {$2900.00}. 

I reached out to PHH Mortgage in XXXX to start the process of solving and rectifying the issue. First, with no help to PHH, we figured out that it was the adjacent properties tax bills we had been paying and made PHH aware of exactly the error they had made with our funds. After talking with our counties tax office we learned that PHH had to work with the homeowner who owns both adjacent properties and get the tax monies back from their mortgage company. This homeowner was made aware of the situation and was very willing to make right the tax monies that she had not paid because of PHH 's paying them first. The Tax Office is not allowed to pay out any monies it has correctly or incorrectly taken in- which is why PHH needed to go to the properties mortgage company to get their refund. 

As of XX/XX/XXXX, PHH was able to get funds back from the incorrect paying of said properties taxes for ONLY the year XXXX - and even so did not notify me or has yet to explain where that refund was credited to - as I have not seen any monies in either check or credit. I could be missing it somewhere, but have been reaching out to try and get an explanation and have not been able to talk to someone who knows anything whatsoever about exactly what is happening. 

I have reached out multiple times since XX/XX/XXXX trying to let them know that XXXX errors have not been rectified. I end up explaining thing, or trying my best to sort this out, and have yet to have anyone show any expertise or really care at all for the case. Communication has been terrible since the beginning of this problem. If I do get a call and they leave a voicemail, I am given a general call center number and can hardly ever get back to anyone in particular.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: NC

Complaint narrative:
Personal Statement Last Name : XXXX Phone : XXXX 15 USC 1681C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION, A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFO IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES INFO THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. PLEASE REMOVE THESE ITEMS AS IT IS IN VIOLATION TO MY CONSUMER RIGHTS.

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 2023-05-11 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: NC

Complaint narrative:
Personal Statement Last Name : XXXX Phone : XXXX 15 USC 1681C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION, A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFO IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES INFO THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. PLEASE REMOVE THESE ITEMS AS IT IS IN VIOLATION TO MY CONSUMER RIGHTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
They are constantly changing my payment and they know I am doing XXXX treatments and my family helps getting my payments to them. A couple of months ago their system was down and they couldnt take a payment over the phone and they they tried to serve me with court papers until the sheriff was told about it and it was dropped. They constantly called me 5 times a day leaving 4 to 5 voicemails and I have the proof on my phone. They have tried to serve me with court papers several times and each time its been dropped because of wrongdoing of their part. Im getting really tired of this. Just last month I made my payment and yet the next day they called and claimed I owed fees of {$67.00} and then the day after the voicemail claimed it went up to {$100.00} now Ive two voicemails in the same day stating its {$250.00} and they are calling again making it a total of 5 calls and 3 voicemails now and its not even XXXX. This is complete harassment they are going to cause me to lose my job Im not allows this many phone calls. Please help me.

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 2023-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
According to the statement that was issued for XX/XX/2023, {$14000.00} was owed as the payoff amount and my account was past due. It was reported to all XXXX credit bureaus as delinquent as well. On XX/XX/2023, I made a payment of {$270.00} towards my loan. On XX/XX/2023, Capital One Auto Finance applied two payments to my auto loan account, totaling {$14000.00}, because my vehicle was deemed a total loss due to an accident that I was in on XX/XX/2023. 

As of XX/XX/2023, {$220.00} was owed on the loan. I paid the amount owed on XX/XX/2023, which paid the loan off. No update to my credit report has been made since XX/XX/2023 and as a result my credit score has dropped more than what it was, while this vehicle is showing as 30-90 days past due ( due to being reported inaccurately across all three reports ). Currently, I do not have a vehicle and this vehicle reflecting as it is, has made it impossible for me to get a new vehicle. 

I have attempted to get assistance with this from Capital One and I have been repeatedly told that they can offer me a letter that shows my loan is paid in full. There has been no update to my credit since my first call to Capital One regarding this issue, no statement generated for the month of XX/XX/2023, which should have been generated due to an amount being owed by XX/XX/2023. I have done all that I can think to do and not having a vehicle as a single parent is very very inconvenient when this could have been prevented entirely if Capital One was reporting correctly and timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: ERC
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt. in fact therefore exist 15 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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act convergent account # XXXX, has violated my rights 15 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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: NV

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to you today to express my concern about the inaccurate information that is still being reported on my credit report despite my previous attempts to dispute it. The account in question is for XXXX XXXX, and it is being reported derogatory across all three major credit bureaus : XXXX, Experian, and XXXX. 

I first noticed this inaccurate reporting in the fall of XXXX and immediately contacted the credit bureaus to dispute the information. The account had been charged off as bad debt, and it was reported as being purchased by another lender. However, the account balance was reported as unpaid, which was not accurate. The account had been settled in full, and there was no balance owing. 

Unfortunately, despite my dispute, the inaccuracies continue to be reported on my credit report to this day. The most recent reporting in XX/XX/XXXX shows that the account is still derogatory and that it has been sold to XXXX XXXX XXXX XXXX XXXX 

I am writing to request your assistance in resolving this matter. I have taken all the necessary steps to dispute the inaccurate information, but it seems to have fallen on deaf ears. I believe that this inaccurate reporting is unfairly affecting my credit score and could impact my ability to obtain credit in the future. 

I would greatly appreciate your help in getting this matter resolved. If there is any additional information that you require from me, please do not hesitate to contact me. 

Thank you for your attention to this matter.

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 2023-05-11 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I checked my Experian credit report and noticed that there was information that is inaccurately being reported. I tried calling them, but I could not get anyone on the phone. I also sent them a letter to dispute the information and I have not seen any changes, nor have I received investigation results from them and it has been well over 30 days. My consumer rights are being violated by their non-compliance with the FCRA. It is causing me great stress and I feel that legal action may be the only way to get this resolved.

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 2023-05-11 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: TN

Complaint narrative:
Several Metro 2 non compliance issues found. 
XXXX account : XXXX Opened : XX/XX/2012 Payment history inaccuracies. 

XXXX XXXX Opened : XX/XX/2012 Payment history inaccuracies When I find inaccurate information, I'm aloud to have it corrected OR deleted. 
I want these accounts deleted/removed 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 2023-05-11 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: TN

Complaint narrative:
Several Metro 2 non compliance issues found. 
XXXX account : XXXX Opened : XX/XX/2012 Payment history inaccuracies. 

XXXX XXXX Opened : XX/XX/2012 Payment history inaccuracies When I find inaccurate information, I'm aloud to have it corrected OR deleted. 
I want these accounts deleted/removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Several Metro 2 non compliance issues found. 
XXXX account : XXXX Opened : XX/XX/2012 Payment history inaccuracies. 

XXXX XXXX Opened : XX/XX/2012 Payment history inaccuracies When I find inaccurate information, I'm aloud to have it corrected OR deleted. 
I want these accounts deleted/removed 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 explanation
Consumer complaint received 2023-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am stressed and unpleased that my credit report was misused and I have been violated. I was apart the breach when the XXXX and XXXX got sued so I thought my information was protected moving forward. Thats makes me scared over the privacy of my information. As I was trying to purchase a home I discovered how I have been violated again. This is defamation of my character and putting my livelihood at risk stopping me from buying a home. So I immediately did research to educate myself and enforce my federal consumer rights so I can moved forward in my life. As the consumer financial protection bureau I ask you to help me exercise my rights IMMEDIATELY! I have several fraudulent accounts on my credit report that should not be there. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Congressional findings and statement of purpose, my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. There are damages on my consumer report that is causing financial and psychological stress. According to, 15 U.S. Code 1681n ( 1 ) ( a ) ( b ) - Civil liability for willful noncompliance, I have the right to sue for up to {$1000.00} per damages for being under false pretenses and not knowing about how my information has used in the breach and the negative accounts that is on my consumer report. I know my rights!! Attached you will see the disputes I am sending to all the credit reporting agencies. REMOVE ALL THE DAMAGES FROM MY REPORT 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 non-monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EMPIRE MEDIATION SERVICES LLC
State: TX

Complaint narrative:
Today I received a call about pending claim around XXXX. The name of the person is XXXX XXXX and he said he was a compliance office for XXXX XXXX. He reached out all of my family members and work which is unacceptable. I called back and spoke to XXXX XXXX and she said it was for payday loan I took from checkngo. I advised that i had no pending loans. XXXX said that if I called XXXX  XXXX XXXX  they  would show no loans but they have the matter in their hands and they were calling because they are going to serve me documentation for court. I think this inappropriate and need to put a stop to harassments for me and my family. The called from a local number but in the voicemail they left a XXXX phone number. Please put a stop to this. XXXX said the company name is Empire Mediation.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I opened a new Ally savings account to take advantage of the 1 % cash-back promotion of the amount deposited. The bonus in question is {$370.00} for a {$37000.00} deposit in XX/XX/XXXX. I've followed the rules regarding funding and the timeline for leaving the funds in the account. I was supposed to receive the bonus in early XX/XX/XXXX but still have not received it yet. 

I've contacted Ally regarding this matter on numerous occasions and also faxed in proof of successful enrollment as requested. I was finally issued a reference number XXXX on XX/XX/XXXX. I have followed up with Ally two more times since but each time I only receive a canned answer that they were swamped and someone will take a look soon.

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 2023-05-11 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: Nelnet, Inc.
State: NJ

Complaint narrative:
The following transactions were not completed by me. See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
My mortgage company sent me a letter saying that I am late on my payments I am on automatic payments they are suppose to take out XXXX on the XXXX of the month and the XXXX XXXX of the month they have been taking out XXXX and XXXX sense XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  to XX/XX/XXXX I feel this is an error on there part and I should not have to paid late fees and extra charges

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 2023-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: NC

Complaint narrative:
In early XXXX, XXXX, I became aware that my XXXX, XXXX payment had been rejected because of a dispute I did not initiate. I sent verification twice, of said payment in the form of a copy of the appropriate page of my bank statement on XX/XX/XXXX, and XXXX. I also sent the same documentation directly to a supervisor, of which she verified receipt on XX/XX/XXXX. My Westlake XXXX, XXXX statement shows that the XXXX payment was made. I do not recall the date, but during my numerous calls to Westlake Financial, I had an employee of my bank verify the XXXX, XXXX payment had been made and the funds WERE NOT returned to the bank regarding the dispute. 
I was told initially that the problem would be resolved in 2 weeks. I have heard nothing regarding resolution, other being told every time I call, that it will take 2 weeks. I can not speak to anyone with the authority to resolve this matter. I want my XXXX, XXXX credited to my account, so that my account will be current through XXXX, rather than my account being late. I have religiously made my payments at least 10-15 days in advance of the due. I was not made aware if the rejected XXXX, XXXX payment until XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: Global Lending Services LLC
State: AL

Complaint narrative:
Credit report shows XXXX as a foreclosure instead of repossession. Also last account activity should be 2020. Report shows more recent than that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
During the term where my loans have been counted as late is invalid. I was attending college through most of XXXX and through the beginning of the year of XXXX. I have documentation showing that I was in attendance through the XXXX quarter of XXXX which falls into XXXX of XXXX with XXXX XXXX. My loans by default should have been in deferment/forbearance for six consecutive months after my last date of attendance. I also extended my deferment for longer and refinanced the loans to consolidate them into one at a later date in XXXX prior to attempting to purchase a home for the first time. I continued to attend school throughout the years and was still in attendance until XXXX of XXXX. These loans should never have been considered late per federal student loan policy of deferments and school attendance.

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