vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DHI Mortgage Company
State: TX

Complaint narrative:
My wife XXXX and I started looking to purchase a home in XXXX  in the XXXX XXXX area and found a lender and realtor through XXXX. We were quickly pre-qualified and looking at homes. We soon found a home that we liked and went under contract with DR. Horton to purchase a home in XXXX XXXX in a community called XXXX XXXX DR Horton was going to pay XXXX towards closing costs if we used their Lender, DHI Mortgage and set us up with their Agent XXXX XXXX. XXXX XXXX quickly reached out and without asking us anything related to our specific situation or circumstances, informed us that we could not be approved due to my wifes XXXX XXXX  which was XXXX XXXX  beyond the XXXX XXXX  guideline set forth by XXXX 

I was not super pleased with this response from DHI and asked that our case be escalated to a managing supervisor. after speaking with XXXX XXXX, he told me that our case was looked at by an underwriter and that their was nothing they could do. it was at this time that a HUD ( Housing and urban development ) agent sent me via email the guidelines for employment gaps and we discovered that XXXX was an allowable explanation for taking an extended leave from work, 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 I shared this newly found information with DHI with no change in response, we felt that this familial situation was a good enough explanation and fell within the limits of the guidelines set forth by the XXXX XXXX XXXX 

At this point, I am questioning whether the denial to service our loan falls under the category of discrimination under the protected class of " Familial situations '' and would love any guidance on the matter as DHI is no longer willing to work with us and denied our file solely based on my wifes XXXX XXXX XXXX XXXX' where she was caring for XXXX XXXX XXXX XXXX XXXX 

Any help on the matter would be appreciated, Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: AES/PHEAA
State: NY

Complaint narrative:
Greetings, XXXX XXXX XXXX XXXX XXXX XXXX XXXX respectfully request to have my information about my AES XXXX loan that appears on all credit bureaus to be resided. I have worked hard to be a good XXXX and pay all my debts. 

The fact is my AES XXXX loan account has been closed since XX/XX/2019 and it shows as if it it is still open and I am XXXX  days late in my school loan payments. Again, my account has been CLOSED since XX/XX/2019. 
In fact, AES shows that during XX/XX/2019- XX/XX/2019 my account was not paid. When in fact my account was in forbearance. 
Again, my point is that my AES XXXX XXXX account has been CLOSED since XX/XX/2019. 

Respectfully, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCarthy, Burgess & Wolff, Inc.
State: WY

Complaint narrative:
My wife passed on XX/XX/XXXX. I kept her phone active for several months afterwards because she handled all of our billing and and she had setup all of the debts due sent to her phone number so that she could pay all the bills. XXXX was one such company. 

My complaint is with XXXX XXXX. Near the end of XX/XX/XXXX my normal billing jumped to over {$300.00} because of International phone calls from XXXX using my late wife 's phone number. The next month the total went to over {$800.00} for even more calls from XXXX. All my attempts to talk to " managers '' at XXXX about obviously fraudulent charges originating from a country that I have never visited. In fact I haven't been out of the U.S.A. in over 20 years. 

Sometime around XXXX or XX/XX/XXXX I personally went to the XXXX store in XXXX XXXXXXXX, ID to have my wife 's phone number disconnected and change the account to my name and surrender her phone because I certainly did not need it any longer. 
They made a really big deal about changing that account ( they even required me to provide an original death certificate! ). The whole process took several hours and I was very frustrated but it needed to be done. And I thought that the account change was completed. 

When I started receiving the billing for international calls I noticed that the calls were using my late wife 's, supposedly disconnected and returned cell phone. Despite all my calls to fix the fraudulent charges they had no record of the number being disconnected or returned. I've searched my records and I can't find proof as well. So, either they never gave me official paperwork of I have disposed of it after a few months. 

They have since sold the debt to a debt collection agency and my money manager has sent them a cease and desist letter. They did cease. Now I have to go through this all over again because XXXX sold the debt to another debt collection agency that is now demanding {$990.00} for interest fees and costs. 

I just need to talk to someone at XXXX headquarters ( maybe with a moderator ) that has common sense that can see that these international charges from XXXX are obviously fraudulent. When I call all I can get is mid-level management that parrots the company policies back to me without even considering the fact that they are mistaken.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: IN

Complaint narrative:
The credit bureau named in this claim is in violation of a legal document of ( common law copyright notice ) and are subject to penalties under 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
Consumer complaint received 2023-01-17 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: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
remove fraudulent / unauthorized inquires from XXXX XXXX XXXX XXXX XXXX XXXX on behalf of XXXX  on XX/XX/2020 or provide proof in writing within 30 days

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 2023-01-17 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: EQUIFAX, INC.
State: OH

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, XXXX  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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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:
The creditor reported my payments late in XXXX and XXXX. The creditor was having system issues which did not allow them to report any payment history to the credit bureau since XX/XX/2022. I also would have issues paying my account online that I had to call in and pay my bill with a representative. The representative waived XXXX XXXX  of late fee due to their system issues and I paid my balance down to XXXX XXXX I don't feel I should be penalized for their system errors.

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 2023-01-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Happy Money, Inc.
State: GA

Complaint narrative:
I am requesting this complaint to be reopened due to the unfairness of the individual at the Consumer Finanancial Protection Bureau who closed the case when we reached out to request the company to pull the account back into their office and work with us in getting the account caught up due to Happy Money not assisting us in getting the payments made when calling in and emailing. The company failed to offer any other method of payment which was reasoning for the account going into default. Consumer Financial Protection Bureau failed to request the copy of the document signed by XXXX XXXX providing me XXXX XXXX permission to speak on his behalf on his account. 

Happy Money is negligent in how the company mishandled in how the account was blocked from making payments. In this dispute, the company came with a legal guardian reasoning in not to work with us in getting the account caught up. The concern is, by selling this account off, is the company making their money in why Happy Money has been so resistant in helping us to get into the account. Even when we went into the account on the XXXX of XXXX to try and make a payment after my banking information was updated, the company quick responded they closed it on the day before which does not make sense. 

There has been an oversight by Consumer Finanancial Protection, Bureau because when I responded to the company in not majoring on utiliziing the Power of Attorney as an escuse to help us in getting the account caught up, the company never responded with an alternative in doing everything to assist us with the account. I do no see how the Consumer Finanancial Protection Bureau did not address this but just closed out the complaint. This is exactly what we were dealing with in the company neglecting to work with us in getting into the account prior to it getting so far behind all the way up until it did get XXXX or more months in the hole. 

I am requesting the case to be reopen and Happy Money to send the document XXXX XXXX XXXX signed online to have me addressed his account due to his XXXX. And the company stop resisting to help us catch up on the payments by so quickly selling the account off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo has completely denied opening accounts even through correspondence on this website though there are no signatures on those applications created through a store in XXXX and online. They even sent their CFPB responses to the wrong address though I have remained in constant contact with Wells Fargo bankers in XXXX XXXX XXXX, XXXX  and now XXXX XXXX XXXX  I have always ensured that my address was updated. Then they claim that this is an issue of identity theft. Why did I ever have so many debit cards open on my account?

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 2023-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I filed dispute for 7 charges made using my debit card, which I was not in possession of. I called PNC bank immediately after noticing the unusual transactions, at which point I realized Id lost my debit card. They canceled the card and got me a new one. However, after only 2 weeks of investigation, my claim was denied. 

XXXX  of the charges also had the XXXX XXXX which when you XXXX, immediately comes up as fraud. 

Im trying to resolve this issue with PNC, however I am being given the run around and am not receiving any feedback.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-17 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: IL

Complaint narrative:
To whom it may concern, Transunion XXXX XXXX credit union Case # XXXX & XXXX As a consumer my rights have been violated by Transunion & XXXX per The Fair Credit Reporting Act ( 15 U.S.C. 1681 ) Both credit bureaus are stating that XXXX XXXX XXXX IL furnished this information. However, I have a letter stating that " The United States Bankruptcy Court does not report to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. 

I contacted the court, and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore, verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have attempted to gain access to my account at Experian for the last two weeks and can not get past their phone tree to talk to a human being. Their automated response has informed me that they can not forward me to a specialist.

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 2023-01-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The reason why I'm following this complaint is because this repossession date is XX/XX/2015 and I spoke to the creditors multiple times over three months and they stated that they have sent a request to this bureau to have the repossession remark removed off my credit report for over three months and it still on my credit report it's been over seven years from the time of the repossession and the remark is affecting me and I have tried my best I've sent numerous letters to this credit bureau and still nothing has happened this is a violation of my rights because I know it should be not it should not be on my credit report no more than seven years from the time the delinquent has happened and it is over seven years now I need this repossession for remark remove my credit report it has been removed off of XXXX XXXX but not this credit bureau.

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 2023-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had purchased my XXXX XXXX XXXX through XXXX XXXX and bought it in XX/XX/XXXX. About XXXX I was having engine issues and it was costing more than the car note plus I had let the car note get to far behind to where I had to turn in the vehicle and let them have it instead of the repo man getting it. The depreciation value sunk with the higher percentage rate Wells Fargo bank had given me. It was too much by then.

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 2023-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
First of all the complaint is against XXXX XXXX Bank the owners of my mortgage and the service companies we had to go thru like XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and many more! From XXXX to XXXX have had to file bankruptcy XXXX  times over the years. And still in bankruptcy since XXXX until present and will not be done with XXXX  XXXX in XX/XX/XXXX. I have so much information and documents to prove that XXXX XXXX has lied, promised, charge fees, robo signed, cause my family to file bankruptcy XXXX  times and still in XXXX  XXXX currently, been harassed, had to sign incomplete documents requested by XXXX XXXX to complete a modification agreement and the fees were higher than agreed apond. XXXX XXXX sold our house at auction and we were in XXXX  XXXX the court had to reverse the sale and the buyer came to evict us while under Automatic stay protection. We had to file another XXXX  XXXX on top of our existing XXXX  XXXX due to attorneys being fired by the court and we had to hire another attorney .We have been fighting XXXX XXXX XXXX XXXX and had XXXX modification and tricked into signing document that they new we couldnt afford. I have documents for days regarding XXXX XXXX violations against us and the dealings with XXXX XXXX have caused me and my family emotional distress and health problems and finance hardship, embarrassment,

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 2023-01-17 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: FL

Complaint narrative:
wells fargo says I owe them over XXXX dollars and i did have three account with them but they were consider prepaid account and i was not able to overdraw them but little did i know some how they got overdrawn and now they say i owe over {$1000.00}

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 2023-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XX/XX/XXXX I signed a XXXX XXXX  ( XXXX ) with XXXXXXXX XXXX XXXX for {$3500.00} and XXXX opened a Credit Card on my behalf with XXXX Bank to make the payment. 
- I cancelled the contract on XX/XX/XXXX sending a mail to Account XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada, XXXX as indicated in the contract XXXX. XXXX was received. 
-On XX/XX/XXXX I got a letter in the mail from XXXX were I was informed they had completed my request to rescind the contract XXXX and that any payment was refunded in the same manner it was paid. 
XXXX contacted XXXX Bank XXXX inform about this but due to the time of the letter ( XX/XX/XXXX ) I still made the first payment on XX/XX/XXXX. 
-In XX/XX/XXXX they opened a claim and put a freeze on my account. 
XXXX XXXX I mailed to Comenity Capital Bank XXXX XXXX XXXX XXXX, XXXX XXXX OH, XXXX the letter I sent to rescind the contract, the letter I received from XXXX the rescind the contract and copy of the contract so they could check that everything was done within the time.

- I also messaged them through Message Center and uploaded all documents sent via mail. 
-Comenity still have the balance of {$3400.00} open on the account and has not provided any updates on the investigation. 
XXXX XXXX says I owe a money XXXX says has already refunded in XXXX and that I have provided proof of it. 
XXXX got a letter in the mail in XX/XX/XXXX stating that a credit was not applied to my account for a canceled order and that they were not able to verify that the cancellation was made. They are asking me to send the confirmation I received. I have provided all documents stated above ( the letter I sent to rescind the contract, the letter I received from XXXX the rescind the contract and copy of the contract so they could check that everything was done within the time ). 
-Comenity is now charging the monthly balance for a contract that was canceled and like the investigation didn't go through.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have tried 3 separate times to close my TJX Synchrony credit card to no avail. Additionally, I over paid my statement by XXXX XXXX XXXXXX/XX/2022 and have not received a refund for this amount. I want to close my account with this company and receive the amount owed to me for overpaying my credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
XX/XX/2023 - {$39.00} - XXXX XXXX XXXXXXXX XX/XX/2023 - {$14.00} XXXX XXXX XXXX  XX/XX/2023 - {$89.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 - {$89.00} XXXXXXXX XXXX XXXX  All charged between XXXX & XXXX XXXX This is all charged to an Associated Bank Debit Card while my wife was on lunch and the only place she stopped was XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, WI, by her work and went no where else! We believe someone at the coffee shop stole true numbers from her card and is committing fraud against her!

Company response to consumer: Closed with explanation