vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
After making a complaint about the total lack of cooperation with Ocwen they sold off to PHH Mortgage. They are two of the worst operators in the mortgage business and are well known to all brokers on XXXX XXXX. 
They have refused to work with me and have attempted to smear my name by writing defamatory statements to the XXXX XXXX. He subsequently has persistently ruled against me. And, what does a personally defamatory comment have to do wth a mortage. Even CFPB has sued Ocwen for abusive and fraudulen behavior in XXXX and collected {$200.00} XXXX. 

Now, XXXX XXXX has passed a law about abuse of borrowers in XXXX of XXXX and and XXXX XXXX and XXXX XXXX are refusing to dismiss the case against me -- even though I have XXXX XXXX and XXXX and the Foreclosure Abuse Act totally applied to me, A new modification was refused because they claim that I do not own the house ( which I transferred to my wife since I'm ill ) -- which I can correct with the stroke of a pen. And, despite the fact that they issued two modifications which their foreign clerks ( XXXX ) offered in the past under the same circumstances. THEN they AGAIN screwed up the loan processing. They could not even apply the payments to the right account caused me to stop paying. Then they valued my house at 50 % more than it was worth even though I provided an appraisal. 

OCWEN AND PHH SHOULD BE SUED BY YOU LIKE XXXX XXXX SINCE MANY BORROWERS EXPERIENCE THE SAME PROBLEMS REPEATEDLY. THEY OCWEN/PHH ARE ABUSIVE AND ARE A FRAUDULENT OPERATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I do not recognize and authorize the following inquiries. This is caused by fraud. 
RESIDENT VERIFY Date of Inquiry XX/XX/XXXXXXXXXXXX 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 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 2023-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I am filing this complaint for the mishandling of a dispute. I disputed a charge where I did not receive a completed service at a lash studio franchise. After the issue was brought to the managers attention the same day, I showed them my incomplete eyelashes and was given an apology and then advised to come back the next day for the service to be completed free of charge. After the funds were debited from my account the next day, I received a text message from the manager stating that I will now have to pay and because I was not satisfied with her changing the agreement she then told me not to come at all. I disputed this with USAA on XX/XX/XXXX where I received a reversal credit. I was then sent notification to upload documents on XX/XX/XXXX which I did and for some reason they were not received. On XX/XX/XXXX, I got another message asking to upload the documents. This time around I called to see why they had not received my prior documents and if there was a mistake, to which they stated they did not have them. So I proceeded to reupload the documents that included all the back and forth messages where the merchant fully acknowledged agreeing to complete the service and then changes her story as to why I now needed to pay. I also provided pictures of my lashes. As well as a screenshot from their company website detailing that services take approx XXXX XXXX for a full service and every natural lash receives a false lash. In the documents I provided the girl did not even take XXXX minutes. 

On XX/XX/XXXX, I got another notification from USAA stating the dispute was not found in my favor and they would do a reversal credit. My complaint is that this case was not thoroughly investigated as I gave more than sufficient evidence. I have also had a prior issue in the past with this bank not properly investigating disputes and was told by a very rude USAA representative over the phone that it was too much for them to go through every single message due to the volume of disputes they have to handle. My question to USAA ; then what is XXXX XXXX of providing this information if the agents are not going to properly and fairly do their job?? 

This situation is highly traumatizing because not only am I being taken advantage of by scandalous merchants, I also can not depend on my bank who I've entrusted and been with for years to properly handle these issues.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: Radius Global Solutions LLC
State: CA

Complaint narrative:
Was charged for a no show fee, when scheduling was canceled. Then they said I was being billed for inconvenience due to covid and loss. I paid them the {$34.00} and then was told I need to pay the staff fees. Which the receipt clearly started covid safety measures and cost such as mask, gloves, etc. I should not have to get impacted because they cancel my appointment, they send me a letter stating that everyone had covid at that office at the time of schedule and I would not reschedule it as I would not be able to wait for them to open back up so they billed me for loss

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 2023-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells fargo may have charged my account in unnecessary overdraft fees since 2011

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 2023-02-07 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX, I entered a claim through the Citi Bank mobile app to dispute an excessive charge. In the dispute, I explained that the Hotel had over charged me {$1500.00} instead of {$850.00} which resulted in an overcharge of {$670.00}. The amount of {$670.00} was temporarily reversed, then promptly reinstated without my knowledge on XX/XX/XXXX. 
When called Citi Bank dispute department, I was asked to send evidence supporting my claim, which I sent on XX/XX/XXXX @ XXXX. This email included and explanation, and the receipt I received from the XXXX XXXX showing the correct amount that should have been charged to my card. I then called to follow up the dispute on eight more times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, twice on XX/XX/XXXX, and finally on XX/XX/XXXX. 
Each time I called, I was told as told to either expect a refund within 5-7 business days, wait 7-10 business days or that my case was still pending and that they haven't gotten any updates from the investigations department. I was issued. I was once issued XXXX miles for the inconvenience. During my last conversation with the dispute department, I was told by Citi Bank that I need to go to the merchant directly to get my refund. I spoke to the supervisor, who told me that they can no longer help be because, they longer have the authorization to dispute the amount due to the amount of time that has passed. It's been 5 months since I opened the dispute with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
In my request for a credit report in all three credit bureaus ( XXXX - XXXX - XXXX ) I found an entry showing a credit card account as deliquent in the amount of {$360.00} from a credit card issued by XXXX XXXX XXXX Bank. 
The credit card debt was sent to collections agency called portfolio recovery associates and I have contacted them and disputed the debt. I was told that I should file a dispute via the internet to the XXXX And here I am to file a dispute to you. 
The account number is XXXX XXXX XXXX XXXX I have no relation whatsoever neither with this account number nor with the bank issued this card. Additionally, I have no relation at all with the debt amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
This is the XXXX  complaint as they keep making it worst. It leaves me no choice but to sue. I have enclosed an email sent them. 

I have received your letter dated XXXX. I have received your requests that you need more time. What I have not received is an answer so let me give it to you. 

Wells Fargo uses XXXX  to spit out policy as in the proof of this letter. Let me explain for those educated under the present system. As a result of a recent review of your XXXX we closed your debit and/or ATM card on XX/XX/2023 to prevent further risk to your account. Properly formatted sentence, sounds good to read, but what are you talking about? Who are you preventing further risk from? The card holder? Is the card holder a criminal who is improperly using and abusing his prevlidges? He must be a criminal as we are giving him XXXX  months in Wells Fargo financial jail. 

I will report this as well and I will now go public with this nonsense that your bank is no longer a viable financial institution trustworthy of maintaining accounts. 

Sincerely, XXXX XXXX XXXX CONFIDENTIALITY NOTICE : The information in this e-mail message is intended to be confidential and solely for the use of the individuals or entities to whom it is addressed above. If you are not an intended recipient, any disclosure or use of this information by you is strictly prohibited. Please notify the sender that you have received this message in error and delete this message. 

Please consider the environment before printing this e-mail.

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 2023-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I do not recognize and authorize the following inquiries. This is caused by fraud. 
RESIDENT VERIFY Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/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 2023-02-07 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: IN

Complaint narrative:
I do not recognize and authorize the following inquiries. This is caused by fraud. 
RESIDENT VERIFY Date of Inquiry XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: FL

Complaint narrative:
I have on NUMEROUS occasions requested XXXX XXXX to remove the derogatory remarks on my credit report. In late XX/XX/XXXX I called XXXX XXXX and informed them I was struggling to pay my payment due to natural disaster of hurricane XXXX here in FL affecting my job as a nurse in XX/XX/XXXX. The woman I spoke to stated I could set up a forbearance plan to help with my circumstances. I was told by said woman that i could enter into forbearance if I was unable to make the payments. I reiterated a question to the woman 3 x - " would this forbearance be reported as a late payment? ". The XXXX XXXX rep confirmed on their RECORDED LINE that it would not negatively effect my report and would report as current. I called numerous times and requested for a supervisor to look into the matter as i was 100 % sure that i was told the forbearance would NOT report as anything other than current. I AM STILL WAITING ON THE PROOF THAT THE AGENT SAID OTHERWISE. I have tried to dissolve this issue repeatedly with no assistance from XXXX XXXX. I have attached my statement from XXXX showing i was in forbearance at that time yet was reported as late 90 days until XXXX. When i requested this forbearance IN XX/XX/XXXX I was requesting due to a natural disaster which I VOICED TO the XXXX XXXX rep at the time. I live in FLORIDA and was affected by XXXX XXXX in XX/XX/XXXX and due to this CAT 5 storm my job as a nurse was affected and in turn so were my payments. During a forbearance period, your mortgage company may not assess late fees and will not report forbearance or delinquencies caused by the disaster to credit bureaus I AM BEGGING XXXX XXXX TO REMOVE THIS NEGATIVE REPORTING ON MY CREDIT REPORT AS IT IS CASUING SO MANY ISSUES OBTAINING A NEW MORTGAGE. 

I am being ignored and blown off even though i was told incorrect information by XXXX XXXX representative on the way this information would be reported. I have a perfect credit hx other than this " late payments '' and i am demanding XXXX XXXX administration look into the issue and listen to the call recording as well as provide me that information. It is illegal to tell a consumer one thing on the phone and have them sign a bunch of paperwork stating the opposite. That is not right!

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 2023-02-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have on NUMEROUS occasions requested XXXX XXXX to remove the derogatory remarks on my credit report. In late XX/XX/XXXX I called XXXX XXXX and informed them I was struggling to pay my payment due to natural disaster of hurricane XXXX here in FL affecting my job as a nurse in XX/XX/XXXX. The woman I spoke to stated I could set up a forbearance plan to help with my circumstances. I was told by said woman that i could enter into forbearance if I was unable to make the payments. I reiterated a question to the woman 3 x - " would this forbearance be reported as a late payment? ". The XXXX XXXX rep confirmed on their RECORDED LINE that it would not negatively effect my report and would report as current. I called numerous times and requested for a supervisor to look into the matter as i was 100 % sure that i was told the forbearance would NOT report as anything other than current. I AM STILL WAITING ON THE PROOF THAT THE AGENT SAID OTHERWISE. I have tried to dissolve this issue repeatedly with no assistance from XXXX XXXX. I have attached my statement from XXXX showing i was in forbearance at that time yet was reported as late 90 days until XXXX. When i requested this forbearance IN XX/XX/XXXX I was requesting due to a natural disaster which I VOICED TO the XXXX XXXX XXXX at the time. I live in FLORIDA and was affected by XXXX XXXX in XX/XX/XXXX and due to this CAT 5 storm my job as a nurse was affected and in turn so were my payments. During a forbearance period, your mortgage company may not assess late fees and will not report forbearance or delinquencies caused by the disaster to credit bureaus I AM BEGGING XXXX XXXX TO REMOVE THIS NEGATIVE REPORTING ON MY CREDIT REPORT AS IT IS CASUING SO MANY ISSUES OBTAINING A NEW MORTGAGE. 

I am being ignored and blown off even though i was told incorrect information by XXXX XXXX representative on the way this information would be reported. I have a perfect credit hx other than this " late payments '' and i am demanding XXXX XXXX administration look into the issue and listen to the call recording as well as provide me that information. It is illegal to tell a consumer one thing on the phone and have them sign a bunch of paperwork stating the opposite. That is not right!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: FL

Complaint narrative:
I have on NUMEROUS occasions requested XXXX XXXX to remove the derogatory remarks on my credit report. In late XX/XX/XXXX I called XXXX XXXX and informed them I was struggling to pay my payment due to natural disaster of hurricane XXXX here in FL affecting my job as a nurse in XX/XX/XXXX. The woman I spoke to stated I could set up a forbearance plan to help with my circumstances. I was told by said woman that i could enter into forbearance if I was unable to make the payments. I reiterated a question to the woman 3 x - " would this forbearance be reported as a late payment? ". The XXXX XXXX rep confirmed on their RECORDED LINE that it would not negatively effect my report and would report as current. I called numerous times and requested for a supervisor to look into the matter as i was 100 % sure that i was told the forbearance would NOT report as anything other than current. I AM STILL WAITING ON THE PROOF THAT THE AGENT SAID OTHERWISE. I have tried to dissolve this issue repeatedly with no assistance from XXXX XXXX. I have attached my statement from XXXX showing i was in forbearance at that time yet was reported as late 90 days until XXXX. When i requested this forbearance IN XX/XX/XXXX I was requesting due to a natural disaster which I VOICED TO the XXXX XXXX XXXX at the time. I live in FLORIDA and was affected by XXXX XXXX in XX/XX/XXXX and due to this CAT 5 storm my job as a nurse was affected and in turn so were my payments. During a forbearance period, your mortgage company may not assess late fees and will not report forbearance or delinquencies caused by the disaster to credit bureaus I AM BEGGING XXXX XXXX TO REMOVE THIS NEGATIVE REPORTING ON MY CREDIT REPORT AS IT IS CASUING SO MANY ISSUES OBTAINING A NEW MORTGAGE. 

I am being ignored and blown off even though i was told incorrect information by XXXX XXXX representative on the way this information would be reported. I have a perfect credit hx other than this " late payments '' and i am demanding XXXX XXXX administration look into the issue and listen to the call recording as well as provide me that information. It is illegal to tell a consumer one thing on the phone and have them sign a bunch of paperwork stating the opposite. That is not right!

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 2023-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-07 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: FL

Complaint narrative:
XXXX XXXX XXXX Last reported XX/XX/2023 AMOUNT : {$6200.00} 15.U.C.168I THIS FRAUD ACCOUNT SHALL DELETE FROM MY CREDIT REPORT. 

XXXX XXXX OR XXXX XXXX XXXX NOT AUTHORIZE TO PUT THIS FRAUD ACCOUNT IN TO MY CREDIT REPORT WITHOUT MY KNOWLEDGE. 

DELETE THIS INACCURATE COLLECTION ACCOUNT FROM MY CREDIT REPORT BY LAW.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief