vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I have been trying to refinance this mortgage for 4 years and even though the company responded to me in XX/XX/2022, they did not answer the question. I asked for a breakdown of all the extra charges they added to the payment. Now I finally obtained a company who will refinance but my mortgage statements claim I owe about $ XXXX and the want a payoff of $ XXXX. This is a {$67000.00} difference! I can not close until this is resolved and it has been going on for months. I lost the original lock in amount of 3.5 % interest and now it is up to 8.56 %. PHH has cost me not only an interest rate loss on refinancing in addition to $ XXXX In charges which they can not explain. Every day I do not close on this loan is costing me a fortune. I will not pay them $ XXXX and then try to recoup it later. I am a XXXXXXXX XXXX XXXX and do not have extra money to obtain an attorney. I wrote the Attorney General who requested a full breakdown a month ago but no response. I need help! Why should I take a mortgage out for more than I need to pay it off. It is higher than the original mortgage! They have added charges not due to them. This needs resolution immediately before there is another interest rate increase. I will lose the current rate of 8.56 % if it is not addressed. Why should I have to suffer for their laziness? This is a tactic to not let me refinance with another company. No freedom of choice at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: MD

Complaint narrative:
The XXXX XXXX account XXXX is incorrect.

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 2022-09-22 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: GA

Complaint narrative:
On XXXX XXXXXXXX2022 I received an alert from my credit monitoring services informing me that there was hard hit on my credit report from XXXX XXXX XXXX. I already have an account with them and there was no need for any type of inquiry. This will affect my credit negatively. 
I want this problem corrected 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 2022-09-22 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: CORELOGIC INC
State: GA

Complaint narrative:
I am referencing the account : XXXX XXXX XXXX XXXX : Date Opened : XXXX XXXX, 2018, ( Account Number : XXXX ), Account Type : Mortgage. XXXX XXXX XXXX XXXX put a 30-Day Late Payment for the month of XXXX on my credit file inaccurately. XXXX XXXX XXXX XXXX, XXXX, XXXX, and XXXX is Violating the 15 USC Section 1681 ( d ) ( 2 ) ( A ) ( i ) : Which states : " report containing information as to transactions or experiences between the consumer and the person making the report. In addition, a second violation have been made made under 15 USC Section 6802 ( b ) ( 1 ) : Which states : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Therefore, I'm rest assured that I have a good case in a lawsuit. Please do not make me have to go that direction. A 30-Day Late Payment needs to be removed from my credit file immediately, due to XXXX. I was very ill during the months of XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. Therefore, XXXX XXXX put a 30-Day Late Payment negative mark on my credit, which is very awful and is negatively affecting my credit score where it is affecting me from obtaining things for my living situation and business. Then, XXXX is reporting a 60-Day Late payment for the XXXX of XXXX, which is definitely inaccurate. Please remove this 30-Day late payment for the month of XXXX immediately on XXXX and XXXX, and the 60-Day Late payment for the month of XXXX on XXXX. If this is not remove within 15 days, then I will be filing a lawsuit against XXXX XXXX XXXX XXXX, XXXX, XXXX, and XXXX. Please work with me in this matter to get this updated and corrected immediately. Thanks a lot! 

Sincerely, XXXX XXXX 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 2022-09-22 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I am referencing the account : XXXX XXXX XXXX XXXX : Date Opened : XX/XX/2018, ( Account Number : XXXX ), Account Type : Mortgage. XXXX XXXX XXXX XXXX put a 30-Day Late Payment for the month of XXXX on my credit file inaccurately. XXXX XXXX XXXX XXXX, XXXX, XXXX, and XXXX is Violating the 15 USC Section 1681 ( d ) ( 2 ) ( A ) ( i ) : Which states : " report containing information as to transactions or experiences between the consumer and the person making the report. In addition, a second violation have been made made under 15 USC Section 6802 ( b ) ( 1 ) : Which states : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Therefore, I'm rest assured that I have a good case in a lawsuit. Please do not make me have to go that direction. A 30-Day Late Payment needs to be removed from my credit file immediately, due to COVID-19. I was very ill during the months of XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. Therefore, XXXX XXXX put a 30-Day Late Payment negative mark on my credit, which is very awful and is negatively affecting my credit score where it is affecting me from obtaining things for my living situation and business. Then, XXXX is reporting a 60-Day Late payment for the XXXX of XXXX, which is definitely inaccurate. Please remove this 30-Day late payment for the month of XXXX immediately on XXXX and XXXX, and the 60-Day Late payment for the month of XXXX on XXXX. If this is not remove within 15 days, then I will be filing a lawsuit against XXXX XXXX XXXX XXXX, XXXX, XXXX, and XXXX. Please work with me in this matter to get this updated and corrected immediately. Thanks a lot! 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The XXXX XXXX XXXX XXXX does not belong to 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 2022-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I booked my flight ticket to XXXX using my chase Ultimate rewards points. I was tested positive for covid 19 on my travel day ( XX/XX/2022 ). Under cards benefits, my trip was insured and i will be given refund for medical issues. I had submitted all the required documents and filed a claim on XXXX on XX/XX/2022. It has been 65 days already. I had tried contacting Chase cards benefits departments several times. I was told claim examiner has not made any decision yet. I was also told that all required documents has been submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: SC

Complaint narrative:
Equifax previously permanently delete the attached accounts in XX/XX/2022. Now Equifax has added those accounts back to my consumer report. This is willful and damaging and is affecting my mode of living. 

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and Equifax doesnt care if I survive or not. Every-time I call Equifax they are providing bad service.

I have attached supporting documents of the accounts being removed and add it back to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
As of the morning of XX/XX/2022, my Citi checking accounts have been blocked by Citys fraud department. 

Whenever I call Citis customer service and their fraud department, the people attending in the call center are not able to let me know the reason why my account is not working, and are not able to remove the block either. 

I have funds on my account and I want either my account to be unlocked or my funds to be released. 

URGENT - THANK YOU.

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 2022-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
CFPB Write up In accordance with the Fair Credit Reporting XXXX  XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2022-09-22 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: EQUIFAX, INC.
State: AL

Complaint narrative:
CFPB Write up In accordance with the Fair Credit Reporting XXXX  XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: MI

Complaint narrative:
XXXX and XXXX reported my utilization rate changed from 5 % to 23 % by reporting a balance of {$1700.00} for a XXXX  XXXX account. My balance for XXXX  XXXX was report as a XXXX $ balance for XXXX and XXXX. My score decreased XXXX points instead of it increasing and this is hurting my chances of homeownership. I mailed a letter to all bureaus and this issue has not been resolved. My credit card statement billing cycle did not end until XXXX and this balance was reported on XXXX before the billing cycle ended. The credit card was paid off prior to the billing cycle ending which is not supposed to happen. Please see attachements

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 2022-09-22 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: MI

Complaint narrative:
XXXX and Experian reported my utilization rate changed from 5 % to 23 % by reporting a balance of {$1700.00} for a XXXX  XXXX account. My balance for XXXX  XXXX was report as a XXXX $ balance for XXXX and XXXX. My score decreased XXXX points instead of it increasing and this is hurting my chances of homeownership. I mailed a letter to all bureaus and this issue has not been resolved. My credit card statement billing cycle did not end until XXXX and this balance was reported on XXXX before the billing cycle ended. The credit card was paid off prior to the billing cycle ending which is not supposed to happen. Please see attachements

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 2022-09-22 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Kikoff Inc.
State: TX

Complaint narrative:
Kikoff has been reporting me delinquent and harassing me about an overdue credit balance even after I have paid off the account in full. 
I also had my autopay removed by them in XXXX which caused my account to default for XXXX $ which resulted in me paying the entire account off to avoid them harming my credit profile. This is very unprofessional. They are inconsistent with their reporting to XXXX and they continue to send me emails and text stating I am delinquent even though I have no account with them any longer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: OneMain Finance Corporation
State: IL

Complaint narrative:
Someone open an credit card in my name and its on my credit report and made it bad

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2022-09-22 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: GOLDMAN SACHS BANK USA
State: OR

Complaint narrative:
Goldman Sachs Apple Card Credit card issued by the above entity was randomly closed and no reason for account closure was sent. Payments were made and possibly because a balance remained. It is also possible that my personal phon was compromised in a way that made have multiple characters posing as me. 

Name : XXXX XXXX XXXX XX/XX/1992 Heritage : XXXX Current : XXXX XXXX XXXX XXXX Possible Identity theft. 
My SS XXXX XXXX reported stolen passport XXXX One renewed passport in Texas post office And passport card. 
1 temporary passport issued at foreign embassy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22 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: FL

Complaint narrative:
CFPB + TransUnion + XXXX XXXX, On my XX/XX/2022 it says there is a collection account from XXXX- not only do I not know whom this creditor is- they have re-aged this collection account which is a violation of FCRA compliance. 

Attached to this complaint are : - drivers license - social security card - address - written complaint + screenshot from credit report where its located I demand this account, which does not belong to me, and has been illegally re aged, be removed from my TransUnion credit 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 non-monetary relief
Consumer complaint received 2022-09-22 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX ACCOUNT NUMBER XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2022-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Schreiber Law LLC
State: MA

Complaint narrative:
I supposedly had a debt from the early XXXX in which this company Schreiber Law LLC XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX phone number listed is XXXX is claiming I still owe and they are collecting from a credit card company. The debt is so old I dont even remember owing it. Next thing I know I was taken to court for a debt that is over 20 years old I panicked in court because I felt intimidated and agreed to make payments on the debt that I was told I would get all the information on the debt which this company still has not provided. Ive paid over {$400.00} on the debt but my balance is still the same it never goes down and Ive made several attempts to contact the company but never can reach a person Ive left several messages but still do not get a response. Ive contacted them to ask for the proof I was told I would receive to prove its my debt and calls and messages go unresponsive. I have recently lost my job and contacted them and actually got a live person for once in my life and explained to them the whole situation that I never received the proof and my employment situation was then told my agent would be told and would be in touch now Im getting letters stating action will be taken for non payment even though I spoke to someone and explained my situation. Now I am feeling like this company is a scam because they never call me or send proof of the debt. I was told after so many years the debt can not be collected. They take my money but the debt amount is still the same after paying on this for 2 years. No one ever answers the phone and I feel this is a scam. I ask for answers and proof of this debt but dont get anywhere but I paid because I was afraid I would go to jail because I did agree to pay in court. This debt isnt even on my credit report so I am in desperate need to know what the next steps are for me I need answers and help to figure out if this company is even legit. Please help because I dont know what else to do.

Company response to consumer: Closed with explanation