vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-26 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: FL

Complaint narrative:
On XX/XX/XXXX, I discovered some accounts on my credit report that did not be long to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/XXXX, I started my journey of removing accounts that were not mine on my credit report, unfortunately, on XX/XX/XXXX, I pulled my updated credit report and found out that the disputed accounts were still there, These accounts are as follow : 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 ), and XXXX XXXX XXXX ( XXXX XXXX ) these accounts are not mine and they are reporting on my Experian and XXXX credit report, I am now reaching out the CFPB, because I am just tired of this Bureau, I need these accounts off of 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 2022-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I believe Navy Federal Credit Union ( NFCU ) denied my mortgage loan application based on my race, being the head of household, and my age which were known by NFCU from supporting identification and documents requested by NFCU. This action by NFCU caused my family and I to be denied equity of becoming homeowners.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
XXXX & XXXX XXXX were completing home repairs on XX/XX/2022. The job was suppose to be completed by XX/XX/2022. The last confirmation of the completion of the project was XX/XX/2022. Simultaneously, he was also working on my parents home. My sister was handling that but because he found out that I was the one who was handling the payments he started talking to me. After a couple of days my sister told me that the plumbing work was incorrect and that the septic tanks weren't delivered as promised. He went missing and wasn't returning our calls. We were suppose to sit down and discuss all of this on XX/XX/2022 with him promising to finish my work that day. However that day has come and gone. I finally spoke with them XX/XX/2022 and they are stating the job was completed and no refund or extra work is due. Which isn't the case. I have text and recorded calls that states the he was coming back to finish. They are returning {$2500.00} to my sister because another XXXX was involved and he doesn't was a claim filed against him so he is paying it back. XXXX & XXXX XXXX state that because I disputed the charge on Paypal he isn't willing to refund or come back. I don't want him back at my home, even if it was an option. Unfortunately the paypal payment was a friends and family payment, which I thought it was still covered under the buyers policy. I also attempted to dispute the XXXX XXXX  payment but they don't even offer that unless it is an unauthorized transaction. Now I have to pay someone else to come out and do what he didn't complete or fixed improperly which is going to cause me more money. He isn't entitled to the entire amount. He is only entitled to {$2500.00}. I definitely don't mind paying for what he did complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I received your letter today. In your response to my previous email you agreed that you will provide the requested information but now you are saying that XXXX has already provided the requested information. THIS IS INACCURATE and I DEMAND THAT UNDER RESPA ACT YOU PROVIDE ME UPTODATE INFORMATION FROM THE LOAN ORIGINATION up until TO DATE AND ANY MISSING INFIRMATION IN BETWEEN TIME PERIOD. 

I am again asking the following questions : 1. How did you arrive at the accrual balance of {$34000.00} on XX/XX/XXXX? 

2. What made you decide to start to present the accrual history spreadsheet from this date of XX/XX/XXXX until charge off date of XX/XX/XXXX? 

XXXX. I would request that I be presented accrual history spreadsheet from XX/XX/XXXX ( my loan origination date ) through XX/XX/XXXX so I can reconcile the amount you are showing as accrual balance {$34000.00}. This will also show me how my payments from XX/XX/XXXX through XX/XX/XXXX in the amount of {$96000.00} was applied to arrive at accrual balance of {$34000.00} on XX/XX/XXXX. 

XXXX. BOA spreadsheet sheet XX/XX/XXXX through XX/XX/XXXX that you provided to me does NOT show the accrual history. 


XXXX. In your letter of XX/XX/XXXX you mentioned that payoff balance as of XX/XX/XXXX was {$470000.00}. This included XXXX principal balance + {$160000.00} interest + {$11000.00} in fees. This would remain same and will not change in future. 

6.On XX/XX/XXXX I received XXXX letter saying amount due {$340000.00}. Can you please explain this amount due terminology? 


My questions pertain to RESPA request and a complete analysis must be given to the request made. I am copying this email to HUD Counselor who is authorized on my account to resolve the issues and has participated in the conference calls previously to settle this account. 

thank you. 


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 non-monetary relief
Consumer complaint received 2022-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I have fighting to get my problem resolved for the past one year but not gotten anywhere. I have attached the details of the narrative in a chronological order with exhibits to make is easy to follow, therefore I will not repeat it here.

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 2022-04-26 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: IL

Complaint narrative:
I lost my purse at XXXX 3 years ago. I had utility bills opened in my name, credit cards, and even loans. I've been trying by myself to get this stuff off my reports. I need help. I was told y'all could help me. 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 2022-04-26 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: NC

Complaint narrative:
Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were Unknown - XXXX and XXXX 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 non-monetary relief
Consumer complaint received 2022-04-26 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: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX {$550.00} balance has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX {$7800.00} has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX # XXXX {$0.00}. has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX  XXXX {$130.00} 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 2022-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My card was fraudulently used at various ATMs in XXXX after I went to get some medical work done XX/XX/15. After my card being denied the next day, I attempted to call wells fargo but my cell company wouldnt allow the call to go through. When I returned to the US on the XXXX I immediately contacted wells fargo and submitted a claim. I mentioned to them the entire situation and was rudely told to wait the 14 days. I cant wait 14 days to feed my family and keep a roof over our heads. This is truly bullying and I cant do anything about it.

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 2022-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX I attempted to pay for an online purchase for {$240.00} and transferred funds out of my Chime account into XXXX to complete the purchase. Once the money was sent the seller disappeared and their site eventually disappeared too. XXXX has confirmed the account was fraudulent but they can not recoup my funds due to their limitations on the system they use. In the meantime on XX/XX/XXXX I reached out to Chime because the money was transferred out of my account with them. I opened a case but they also have not been helpful. They are saying they will have an update for me in XXXX which is months from now. The person scammed me and no one is trying to recoup my funds or assist me in resolving this manner within a reasonable time frame. I would like Chime, who is a bank compared to XXXX, to help me get my money back. Chargebacks or whatever else needs to be done here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA

Complaint narrative:
I received a call from someone who says that she is representing a law firm about a debt that I owed to a Bank in XXXX. The Bank in question is XXXX XXXX. 
She stated that paperwork was sent to me that stated that I could work out a payment plan to pay off the debt and that they had not gotten a response from me so now the firm that is representing the client is now asking for the amount in full. I needed to make the payment to them right now. This was a voicemail, and when I returned the call the following business day she had all of my personal information, including my social security number and my previous address. It sounded legitimate. I confirmed that I previously had a checking account with that particular bank, but it was 13 years ago. I told her that I needed to see the paperwork that she stated was sent to an address that I no longer lived. She never asked me for my current address so that she could send the paperwork to me, but she kept asking me if could settle the account today. I told her no, and she stated that she would see if they would be willing to contact the client to ask if the original offer could be made to set up a payment plan. we hung up, but I then called the bank that I had this account with and I was told that the bank would not call you if you owed them money, they would report the debt to XXXX. This person also called and left a message on my daughter 's phone, but it was from a different phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Pages 1-2-2a of the attached correspondence to PHH Mortgage summarizes my complaint, and its denial of my request. PHH assumed servicing of my deceased father 's reverse mortgage in XXXX of this year from XXXX XXXX  I am a co-executor of my father 's estate and the Personal Representative of his life estate. 

My father passed away in XX/XX/XXXX. I notified XXXX of his passing, indicating that we would be selling the home Per XXXX 's instructions, if additional time was needed to sell the home ( att page 3-4 ), I again contacted them requesting as such in order to complete a sale ( att # XXXX  ). The MLS listing was provided. I received no reply to this letter. 
On XX/XX/XXXX, I contacted PHH, now the servicer, advising that a purchase offer had been accepted, and that we anticipated a closing in late XXXX. I requested a payoff statement at that time. I received no reply until 5 weeks later ( att # XXXX ). Unfortunately, when finally received, the payoff included {$3000.00} in previously undisclosed fees ( XXXX ) I believe we precisely followed the FHA servicer 's instructions, but unfortunately never received replies to any of our correspondence. The total lack of timely communication by both servicers caused this problem. As an aside the XX/XX/XXXX letter which PHH claims it never received, was sent electronically to BOTH XXXX and payoff @ phhreverse, com, per PHH instructions. *

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Re : This is not an error. THIS IS NOT A THIRD PARTY. 
************************************************************* I have been dealing with unauthorized use of my personal information which resulted in unauthorized items on my credit report. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name. As a result, these items are causing me harm and preventing my family from making progress forward.

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 2022-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was expecting wiring instructions for down payment and closing fees on a home purchase, and received fake wiring instructions pretending from " XXXX XXXX XXXX, P.A. '' which were sent from from XXXX account as " XXXX '' Received several emails starting XX/XX/2022.

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 2022-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
VENMO BANKING SCAM- NOW ATTACHED IN BOTH EMAILS HERE ARE ABOUT 20 DOCS THAT SHOW VENMO ROBBED ME- MISPLACED MY MONEY - PUT IT IN THE WRONG BANK AND THEN, WITHOUT AUTHORIZATION, {$1400.00} OF MY MONEY FROM A XXXX XXXX CREDIT CARD - LINKED TO MY BANK ACCOUNT - AND THEY SENT IT TO XXXX XXXX WITHOUT MY CONSENT. I ALWAYS PAID XXXX XXXX THROUGH CHECKING- I HAVE NEVER PAID A BILL THROUGH MY BILL PAY BY WAY OF ANY CREDIT CARD IN THE HISTORY OF MY LIFE. THIS WAS A DELIBERATE AND ILLEGAL INVASION OF MY ACCOUNT - BECAUSE IT WAS LINKED. 

SORRY - FOR ALL CAPS But I am XXXX. 

So, now I have {$1400.00} my XXXX XXXX XXXX  's Checking account and have called VENMO and told them to fix it ASAP - they have put the money into the wrong checking account. It's in the wrong account and I have a landlord who lives in XXXX! Since VENMO had wrongfully taken {$1400.00} from my XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Credit CARD on file - WITH XXXX XXXX- NOT- I REPEAT- NOT with VENMO. THEY ACCESSED THIS XXXX XXXX CREDIT CARD THROUGH MY XXXX XXXX  CHECKING - WITHOUT PERMISSION and just charged {$1400.00} on it. So I took the money they put in my XXXX XXXX account and paid it ALL to XXXX XXXX XXXX- the card THEY USED without my permission for this exact amount. 

Now Venmo tells me I owe them - XXXX. I try to call them over a dozen times. They refused to answer and out of 12 calls I was purposely disconnected nine times. They are trained to hang up on the customers- under the idea that these people will give up and just go away. I texted them in CHAT dozens of times and only kept the attached conversations, but I went crazy. They dragged this out for months and harrassed me via MULTIPLE texts- OVER 100 OF THEM- but would not respond with a single human being. They ran me in circles and refused to close my account. 

Now they are well KNOWN FOR THIS KIND OF theft - taking money repeatedly from people I know- and then telling those people they can not get their money back- they say I have it. I do not have it. It's in a locked account that these criminals are making interest on every day. 

They have no intention of making right on what they did. Two of my clients, XXXX XXXX XXXX ( PhD head of Covid research in XXXX, and XXXX  from XXXX, XXXX XXXX XXXX have both had their MONEY TAKEN BY XXXX STOLEN XXXX XXXX XXXX then sent {$700.00} to my Venmo Account 2 months ago and they stole this money too. They REFUSED to give it back to XXXX XXXX and refused to release the money to me. They refuse to even answer a phone call or respond to anything in their chats. They have driven me to the point of rage, depression and they have financially destroyed me with both of the these malicious acts of outright theft. 

NOTE : This is a XXXX owned bank and they should not be able to do business in XXXX. They are targeting and robbing the American people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
On Thursday, XX/XX/XXXX, Credit Collection Services contacted me via text message to inform me about a debt collection payable to XXXX XXXX for {$130.00}. I do not have any responsibility for the debt for the following reasons. 

1. There is no legitimacy to this claim. 

This bill concerns blood work that I neither consented to nor did I ask for from my former provider. I am working with the provider to submit documentation that this was in fact an error on their end. They have informed me that this will take at least 60 days from Thursday, XX/XX/XXXX. 


2. The notice was insufficient. 

I moved from the address that the notice was sent to in XX/XX/XXXX. I have since received mail from XXXX ( the biller in question ) to my new address this year, the address in this letter. So my new address has been on file. When I spoke with Credit Collection Services on Thursday XX/XX/XXXX, the address on file was still my previous address. I am not responsible for this. The first notification I received about this debt was on XX/XX/XXXX by text message. It is unacceptable that the first notification I received was by text message, once the amount had already been moved to debt collection. When I spoke with a representative from Credit Collection Services on the phone, she told me that phone calls had been made to my phone number and no voicemails were left because of privacy reasons, yet I received written notice via text message. This is inexcusable and invalid because negligence to notify me properly. I have not lived at the previous mailing address for over one year. There were clearly ways of notifying me by text message this entire time since the agency notified me that day. Still the agency has chose to predatorily hold me responsible for this debt by sending mail to an invalid address that I dont live at while having a current mailing address and email address and phone number on file with the biller. According to the Fair Debt Collection Practices Act, I must receive written notice with the following in order for the debt to be valid. 

- The name of the creditor - The amount owed- That I can dispute the debt and that if I dont dispute the debt within 30 days the debt collector will assume the debt is valid. 
- That if I dispute the debt in writing within 30 days the debt collector will provide verification of the debt - That if I request the name and address of the original creditor within 30 days ( if different from the current creditor ), the debt collector will provide me that information. 

Since the first notice I received of this was via text message and because it included none of the above other than the name of the creditor, this debt is invalid. Frankly, given how predatory this is, I get the idea that Credit Collections Services is taking advantage of me because of my young age.

Company response to consumer: Closed with explanation