vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: OK

Complaint narrative:
From XX/XX/XXXX we were unable to pay mortgage payments due to a severe injury to my leg. I lost my job as a XXXX because I was temporarily XXXX and in a XXXX. I applied for COVID-19 relief due to my severe illness. In XXXX XXXX I was able to become fully employed again after being out of work since XXXX XXXX because of my injuries and subsequent illnesses. 
Started working on a loan modification with PHH Mortgage in XX/XX/XXXX. They have made this process impossible due to lack of access to people that are able to help with this process. PHH claims every time you call that you didnt send paperwork ( all paperwork was sent via email, we have these ), didnt fill out a small detail, ( this had been given on previous occasions ), it wasnt there on time ( when it was sent the day it was requested ), now they claim I dont occupy the house, ( have lived in this home for 20 years and is my primary residence ). This company has no intention on fixing this situation when we have the income now and the means to easily stay in this home. 
They want to foreclose on this home and will not communicate any terms or modifications with us so we can resolve this problem for over 8 months. They send a letter with a request for more paperwork and it arrives so long after the fact that they tell us we have to start all over. Even when we have sent the information and called them to update any needs. All calls are answered in XXXX with severe language barriers and no one knows what is happening because it is never the same individual, they just tell you to call back in a week and they have done nothing. 
We owed {$180000.00} on this home when this started. We have no access to any records on this home now as they have removed all access to our loan. 
This company is the most fraudulent company I have ever dealt with in my lifetime. They have been sued over and over again for these practices and no one will help homeowners!!! This company does not deserve to be in business, they are hurt so many people that are unable to fight for themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Fidelity Services, LLC
State: AR

Complaint narrative:
XXXX XXXX XXXX in the amount of XXXX from Midwest fidelity service. This is not my debt. I told them that I never lived at that address and I lives in XXXX XXXX at the time of this incident. The constant call and Harassed me over this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XX/XX/ in amount of {$4600.00} from XXXX XXXX. Charge was disputed via XXXX XXXX but never removed. 
First, XXXX XXXX charged medical insurance. 5 Treatments were made and paid via insurance that involves cracking back. That's it. No other service was provided by XXXX office XXXX falsely charged for service that was never given. Insurance paid for cracking of back. XXXX XXXX wanted money for services NEVER provided. Treatments Never given. Amount changed from {$2000.00} to over {$5000.00} billed charges yet credit report says {$4600.00} on credit report. They are making stuff up!!!! 

Perhaps they confused myself with someone else. 

Kindly remove charge from all 3 credit reporting sites as it is fraudulent. Much appreciated!

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 2021-08-22 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XX/XX/ in amount of {$4600.00} from XXXX XXXX. Charge was disputed via XXXX XXXX but never removed. 
First, XXXX XXXX charged medical insurance. 5 Treatments were made and paid via insurance that involves cracking back. That's it. No other service was provided by XXXX office XXXX falsely charged for service that was never given. Insurance paid for cracking of back. XXXX XXXX wanted money for services NEVER provided. Treatments Never given. Amount changed from {$2000.00} to over {$5000.00} billed charges yet credit report says {$4600.00} on credit report. They are making stuff up!!!! 

Perhaps they confused myself with someone else. 

Kindly remove charge from all 3 credit reporting sites as it is fraudulent. Much appreciated!

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 2021-08-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Activehours
State: MO

Complaint narrative:
Money is being withdrawn from my account without permission, and they will not let me remove my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
1. The mortgage company did not disclose to me that PMI was for the life of the loan And I purchased the house. I was told that when my ratio got down to 80 % I could have the PMI removed. Now theyre telling me that the PMI is for the life of the loan. 
2. Every year, when its time to pay my flood insurance and home insurance the mortgage company makes an incompetent mistake. Ive been promised over and over that they will fix a mistake and never make it again, but the mistakes reappear every year. They either pay the flood insurance twice and do not pay the home insurance. Or they pay the home insurance twice and do not pay the flood insurance. This year they paid the home insurance and pay the flood insurance, but then send a second check for the flood payment which was returned to me by the insurance company. Their incompetence is incredibly frustrating. I do not have time to double check them constantly.They should handle things correctly and in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
CHASE WELCOME BONUS OF XXXX POINTS ( DETAILS ATTACEED ) LETTER SENT TO CHASE AND RESPONSE EMAIL TRAIL ALSO ATTACHED Dear sirs I applied for the Chase XXXX card and was approved late XXXX XXXX This card came with a XXXX point welcome bonus with a minimum spend requirement within 3 months. This was the only reason that I applied for this card. Because of significant mail delays at that time ( acknowledged by Chase in the accompanying email stream ) I received the card only on XXXX XXXX XXXX. I was also advised that I will be receiving a more secure card which can be tapped instead of inserting or swiping. I was also waiting for this card which arrived in XXXX XXXX. I made my first purchase on XX/XX/XXXX and my last purchase was on XXXX XXXX XXXX I fulfilled all the requirements by spending {$3000.00} within 3 months. As seen from the attached email stream, Chase refers to a fictitious end date of XX/XX/XXXX. I have repeatedly pointed out to them that I can not use the card till I physically receive the cards ( tap and non-tap ). The email stream will show how our correspondence was like two ships passing in the middle of the night without seeing each other. There is acknowledgment that there were mail delays at that time which made me receive my card on XXXX XXXX XXXX It is also very evident that I met the spend requirements within 3 months. I have attached the necessary proof to show this. Yet the Chase response has been in the form of canned correspondence. I am sending this email to you because of the lack of understanding of the Chase team responsible for addressing this issue. 

Please help me to resolve this issue. I have closed my Chase money market and checking accounts till this issue is resolved Yours truly XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 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: NC

Complaint narrative:
I have been trying to remove XXXX XXXX XXXX from my Experian credit report since XXXX of XXXX due to a HIPPA violation. Experian says that the account has been verified even after I sent in proof of HIPPA violations twice. The last letter sent to Experian was asking for their method of verification which by law I am entitled to under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.. Experian failed to provide me with their method of verification within the 15 days allowed by law not once, but twice. Instead of verifying how they investigated they opened yet another dispute which was not the intentions of the letter. I specifically asked for their METHOD OF VERIFICATION and they failed to provide it. Please remove this account from my credit report as it violates my 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 explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
ON OR ABOUT XXXX XXXX XXXX MY PHONE WAS SIMM SWAPPED LEADING TO MY ACCOUNT AT COINBASE BEING COMPROMISED. COINBASE LOCKED MY ACCOUNT. I FILLED THE REQUIRED FORM OUT AND RECEIVED CASE NUMBER XXXX, AND NEVER HAVE HEARD A WORD BACK, KIND OF SCARY WHEN YOU HAVE FUNDS ( $ XXXX ) SITTING THERE AND ARE UNABLE TO ACCESS IT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with Chase Auto Finance XXXX on XX/XX/. A consumer credit transaction in which a Finance Charge was involved. 15 USC 1605 defines the Finance Charge as the sum of all charges in a consumer credit transaction. The Finance Charge does not include cash, but Chase Auto Finance Corp took cash. the Finance Charge is suppose to include insurance, but Chase Auto Finance Corp made me purchase insurance separately. Chase Auto Finance Corp knowingly broke three Federal Protected Consumer Rights Laws Under 15 USC 1601 and is Liable and Civilally responsible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Its because my life including my social security number and credit bureaus are all under a fraud from a app called XXXX or Robinhood. My information was used by several different people to start an investment pymaird scheme just use my information for the XXXX market the XXXX and to sell my identification for real estate marketing. I cant look at or go into any of my information and I am stuck not knowing what to do. Last night at Saturday morning at XXXXXXXX XXXX I called the Police for them to help. This morning at XXXX XXXX I filed some more updates on the FTC.Gov to let anyone know that my life is now in danger by terrifying threats and situations. And I just sent out the same detailed information to the FBI. Now tomorrow I got call more government credit companies just to help me out to fix all this or to see if I can get my ssn changed or adjusted. This is a lot for me and I need the help very urgently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Its because my life including my social security number and credit bureaus are all under a fraud from a app called XXXX or Robinhood. My information was used by several different people to start an investment pymaird scheme just use my information for the XXXX market the Bitcoin and to sell my identification for real estate marketing. I cant look at or go into any of my information and I am stuck not knowing what to do. Last night at Saturday morning at XXXX XXXX I called the Police for them to help. This morning at XXXX XXXX I filed some more updates on the FTC.Gov to let anyone know that my life is now in danger by terrifying threats and situations. And I just sent out the same detailed information to the FBI. Now tomorrow I got call more government credit companies just to help me out to fix all this or to see if I can get my ssn changed or adjusted. This is a lot for me and I need the help very urgently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
There is a VA originated mortgage on my property. 
The property was conveyed to me XXXX XXXX XXXX. 
I don't own the mortgage. 
How do I find out who does?

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 2021-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Select Portfolio Servicing ( mortgage lender ) is trying to extort and destroy me. My mortgage was transferred from XXXX to Select Portfolio Servicing during the summer of XXXX. I received a letter stating that payments paid to XXXX during the transition would be transferred to SPS. Since XXXX, SPS has been falsely reporting that I failed to make two payments during that time and my credit has suffered due to their negligence! I have an official letter from XXXX, dated XX/XX/XXXX, stating that payments for the amount of {$1200.00} during the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were forwarded to SPS. I have a letter from XXXX  XXXX XXXX. dated XX/XX/XXXX, listing the dates, amount, and electronic transfer numbers of all payments made to XXXX and SPS from XX/XX/XXXX to XX/XX/XXXX. SPS claims they did not receive the payments for XXXX and XXXX of XXXX. SPS has been sending people by my home harassing my family, sending threatening letters to foreclose, and tacking bogus late and legal fees to my account. I HAVE NOT MISSED ANY PAYMENTS OR PAID LATE TO XXXX OR SPS!! SPS continues to be paid, TIMELY, by me every month, BUT, they are allowed to bully me financially by sabotaging my credit. I have consulted with a law firm who has reached out to SPS with sufficient and credible documentation and they wont budge. They referred me to CFPB as a credible remedy before they take my retainer to pursue SPS in a court of law! I know CFPB is well aware of SPS and its tactics. I hope you will fight for me in this matter because I did not ask for my mortgage to be sold, and it is not my responsibility to make sure that one lender pays another. I have proof that the money was paid, and I should not be punished for the greed and incompetence of predatory lendors!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 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: PNC Bank N.A.
State: MD

Complaint narrative:
I am in the process of applying for a mortgage and this is affecting me big time. I have spoke to SEVERAL Customer Service Representatives in regards to my account reporting with a 30 day RECENT late pay. My account was never late and I informed PNC on multiple occasions that I would be on XXXX XXXX from XXXX until XXXX. I asked if they had any way to protect my account while on leave and they told me that since it is a secure card they don't have any card protection they can offer BUT they would notate my account and I would not be accessed any late fees or have any late payments reported. THEY STILL REPORTED MY ACCOUNT LATE AND ASSESSED LATE FEES of {$35.00} on XX/XX/XXXX ; {$35.00} on XX/XX/XXXX ; {$25.00} on XX/XX/XXXX which total {$85.00}. I spoke to a customer service rep on XX/XX/XXXX and she refunded me 1 late fee of {$35.00} and it posted to my account but then they turned right around on XX/XX/XXXX and charged me a late fee of XX/XX/XXXX. I have NEVER been LATE on this account and I even properly communicated my entire situation with giving birth to my son on XX/XX/XXXX and they STILL put a late payment on my credit report when it wasn't even late. Please update all 3 credit bureaus reflecting NO LATE PAYMENTS and my account as PAID AND CURRENT. Refund me the late fees that were posted to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Good day, today on XXXX, I was told about hacking of my credit card information in which I called citi bank and was given the runaround, I pay my bill on time never late, someone has access to my online account with citi bank, I have never given no one any information.

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 2021-08-22 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: EQUIFAX, INC.
State: VA

Complaint narrative:
someone is running my name and ssn applying for credit cards and auto loans

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2021 Bank of America Closed my checking and savings account, along with my children 's minor accounts with no explanation, I called to inquire about the closure and they stated it was an " executive decision, they refunded my children their funds in the form of a check a couple of months later. I had balance on my account of but I never received a refund, only them reporting I " owed '' a " unpaid '' balance of XXXX which I did not find out until much later, this caused such a inconvience as I had my main monthly income directly deposited into said account. 

months later I went on to open an account with XXXX XXXX with no issues, along with my children I had no idea what was being reported on XXXX, until I was in the market for a vehicle. I was approved for a XXXX auto loan through a Credit Union but was not able to move foward with the loan process, because I was made aware of what was being reporting on XXXX  by Bank of America, They reported " My account was close due to " fraud ''. I was livid! knowing full in well I commited no fraud, I went into a Bank of America Branch to speak with a Branch manager, as I called BOA fraud department on my phone. 
I was on the phone for a total of 4 hours with still no explanation of what fraud was commited and why they had that listed on " XXXX  '' ( the consumer reporting agency that All bank use to screen applicants that want to opening any type of Checking or Savings accounts ) or how it could be resolved, the Branch manager was helpful but could'nt tell me anything more than what the rep on the phone was saying I disputed this with XXXX  to only receieved a letter stating " There was no actual fraud done '' and that the information ( account ) would remain on XXXX. They even admited in the response that they did not make me aware of what they reported without to the agency without my permission, This is hindering me as buisness and trying to establish financial security for my children. this has been a complete nightmare. I can not open any other bank account at this moment because of this information that is being reported in XXXX  by Bank of America

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 2021-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
Several certified mail requests have been sent to Thunderbird Collection Specialists to provide ORIGINAL documents to validate debt that I do not owe. However, company continually fails to do so, but provides its own company generated invoices with false/incorrect information.

Thunderbird Collection Specialists is taken information from consumer 's original invoices, altering and transferring information and creating its company generated invoices. Therefore, creating false/fraudulent consumer documents, which is a violation of the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation