vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX PHH Mortgage made payment to my insurance after asking them to make payment for a few months. They finally did but the Insurance company never received it. I called PHH Mortgage over the course of the following 3 months to fix this issue, On several occasions I have spoke to agents named XXXX from insurance dept and he stated it was cancelled check and reissued to the insurance company. 3 weeks later nothing was cancelled yet but PHH Mortgage charged me a second time for the insurance. the second payment made was XX/XX/XXXX same amount of {$4500.00}, my account became negative for escrow in the amount of {$4500.00} as they never issued the refund to me or the account. to make matters worst, they transferred my account to XXXX XXXX on XX/XX/XXXX and closed my account with them as paid in full. now when i make contact with them, no one knows anything and all i get is " they are working on the stopped check to refund to me ''. its been 3 months since this incident and they have not refunded my the original charge of {$4500.00} for double insurance payment even though they have advised me the check was cancelled and not cashed by the insurance company. along the way my insurance was going to cancel and they didnt issue second payment to them until XX/XX/XXXX, so i had to make a 3 month {$1100.00} payment to my insurance company to keep my insurance from cancelling. as part of FHA rules the mortgage servicer is required to make my insurance payment on time, hence the required escrow account. i have since spoke to XXXX XXXX # XXXX, XX/XX/XXXX XXXX XXXX ID XXXX, stated the completion date of refund into my escrow account would be XX/XX/XXXX and it didnt happen. no refund issued to account or to myself. on XX/XX/XXXX spoke to XXXX XXXX XXXX and he advised they are working on refund. on XX/XX/XXXX i spoke to XXXX ID XXXX and he advised they are working on refund, after i was upset and asked for manager, he stated he could no longer hear me on the phone call and acted like there was interruption and went quite and quit responding until i hung up. i have no idea what else to do because this is an extreme gross error on their part and they are washing their hands clean with false info each time i call. i do not have {$4500.00} just laying around to give away and i would like my refund sent to me. the new mortgage company has confirmed that they have yet to receive a refund from PHH Mortgage for my escrow. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Since XX/XX/2021 an investigation has not been opened for XXXX XXXX, XXXX XXXX  and XXXX XXXX. Also, a unknown account is listed with XXXX with account XXXX with NO ORGINAL CREDITOR LISTED, how am I suppose to know who this is this needs to be removed immediately. At this point being that an investigation has not been opened and my disputes is steady going unrecognized it has passed the timeframe and now needs to be removed you are clearly violating FCRA guidelines with tiimeframe to investigate and reporting inaccurate, erroneous information. Attached is proof of the disputes that were sent in along with proof of my identity. Please consider this my written authorization. 

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 2021-10-08 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: OK

Complaint narrative:
I am requesting Experian substantiate late payments and upon updated report there is inaccurate info, therefore proves that no investigation in accordance to law was done. You can not have two consecutive 60 day late.

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 2021-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I just received a call today XX/XX/XXXX from Midland Funding regarding a debt owed for an XXXX XXXX XXXX XXXX opened in XX/XX/XXXX ( when I lived in XXXX  ) . I have NEVER had an XXXX account until this year via XXXX XXXX, which is currently valid and in good standing. This debt has never once shown on my credit report to where I would have been alerted to this fraudulent card. The address they had for me then is for an address I lived at briefly in XXXX  ( XX/XX/XXXX-XX/XX/XXXX ) with an ex boyfriend. Midland said statements ( 4 ) were sent to that address in XXXX. Again, if i had seen a statement it would have alerted me to the fraud and I would have reported it sooner. Again my current XXXX credit card is the 1st XXXX credit card I have ever had.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: NY

Complaint narrative:
I used Credit karma Savings as Adviced to be A Very Safe and Reliable Bank since i was a Victim of Identity Theft I was Very scared to use any Bank at all so I after 1 year of fighting Unemployment for all my benifits to be released and 1 year of no income which made me homeless jobless and the worst of Coronavirus they have finally been Deposited into my Account first it was a problem linking my account than my account was frozen for no reason they asked for vertification Documents which i submitted and my funds been in my account since XX/XX/XXXX with no access for me and me still in the streets homeless and my account froze and last payments returned to unemployment Credit Karma Is the worst i Don't Recommend to anyone in an emergency Situation I Call everyday and get no solution all they say is that department is only Via Email and I Email everyday with no answers or access to my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I made 2 payments and they keep putting my payment on hold for 7 days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have reach out to Transunion, XXXX, XXXX to investigate the public records each has listed on my credit reports. This items was not reported to the credit bureaus from the original creditors and therefore was not verified through any investigation. I submitted documentation to each of the credit bureaus from the courts stating they DO NOT report to any credit bureaus. 

I've submitted several claims. The last communication was received on XX/XX/21 and the letter I received from them was dated XX/XX/21. Verifying that they verified the claim with the original creditor. I reached out to them to ask whom they spoke with, the persons job title, and phone number they used to contact the Courts and was not provided any of the requested information. 

The credit bureau has been evasive on providing information in regards to their investigating.

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 2021-10-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have reach out to XXXX, XXXX, Experian to investigate the public records each has listed on my credit reports. This items was not reported to the credit bureaus from the original creditors and therefore was not verified through any investigation. I submitted documentation to each of the credit bureaus from the courts stating they DO NOT report to any credit bureaus. 

I've submitted several claims. The last communication was received on XX/XX/21 and the letter I received from them was dated XX/XX/21. Verifying that they verified the claim with the original creditor. I reached out to them to ask whom they spoke with, the persons job title, and phone number they used to contact the Courts and was not provided any of the requested information. 

The credit bureau has been evasive on providing information in regards to their investigating.

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 2021-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
A contractor scamed me out of {$500.00} I'd sent the money from my bank account through XXXX. I thought the bank insured us customers 100 % of our money obviously not bank of america is my bank they told me that the contractors bank wasn't able to retrive the money from the fake contractor he didnt have the funds in his account to get my bank said its cut and dry im out of my {$500.00} I've been banking with bank of america for years and a good customer i need help on getting my money back

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 2021-10-08 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: GA

Complaint narrative:
I disputed the incorrect information. The company received the information from XXXX XXXX indicating that the late payments were reported in error. The company only removed the two thirty day lates. They did not remove the 60 day late although XXXX XXXX indicated that the payments were posted incorrectly. I was not late in XXXX or XXXX so there is no way that there was a 60 day late. I applied to refinance my house after I was told everything had been corrected. I was denied. I want the incorrect information removed, the inquiry removed, and my credit rescored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: OneMain Finance Corporation
State: MO

Complaint narrative:
I have been trying to dispute this account and have it removed from my credit file due to inaccurate information reporting to the credit bureaus about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I received a call XX/XX/XXXX from NCS I answered and the gentlemen proceed with his lines. I explained that I did not have any idea what he was speaking of he got loud so I hung up. The person called back two more times back to back and left voice mails about the same thing. I called the company and asked to speak to a manager and was told that they did not have one they would have someone call me back. I contacted the company they spoke of XXXX that they said I had a balance with. It has been a year and a half and this debt was never sent to me and the company I contacted about the balance stated they must have started working the file. I left my forwarding address when I vacated the property if it was a balance they never sent me a bill in reference to the balance. I was informed when I called XX/XX/XXXX that they could send me a ledger with the information on it. My concern is that the collection company has poor business practices why would you call me at XXXX the first call and I spoke with you. This man proceeds to call back at XXXX and XXXX and leave a voice mail both times. Had XXXX told me of the balance in XXXX it would have been paid here it is XXXX and I get a collection call that is poor business practice on behalf of XXXX as well and apparently I was not the only person that NCS called per the person I spoke with at the XXXX.

Companies XXXX  XXXX  and National Credit Systems

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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 2021 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B ( ili ) 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. The only thing left to do after this is file a case with the court because this has been going on since XXXX and they refuse to truly investigate. HIPPA is a very serious law and Experian is not acting like it. My rights have been violated by the collections agency as well as Experian and I would like those accounts removed from my credit files!

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 2021-10-08 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: DISCOVER BANK
State: OK

Complaint narrative:
I am requesting XXXX substantiate late payments and upon updated report there is inaccurate info, therefore proves that no investigation in accordance to law was done. You can not have two consecutive 60 day late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: Self Financial Inc.
State: OK

Complaint narrative:
I am requesting XXXX substantiate late payments and upon updated report there is inaccurate info, therefore proves that no investigation in accordance to law was done. You can not have two consecutive 60 day late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Since XX/XX/2021 an investigation has not been opened for XXXX XXXX, XXXX XXXX  and XXXX XXXX. Also, a unknown account is listed with Equifax with account XXXX with NO ORGINAL CREDITOR LISTED, how am I suppose to know who this is this needs to be removed immediately. At this point being that an investigation has not been opened and my disputes is steady going unrecognized it has passed the timeframe and now needs to be removed you are clearly violating FCRA guidelines with tiimeframe to investigate and reporting inaccurate, erroneous information. Attached is proof of the disputes that were sent in along with proof of my identity. Please consider this my written authorization. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: MA

Complaint narrative:
I made payment to Indigo card on XX/XX/2021 they are telling me it will take up to 14 days for the balance to update on card how is this fair I paid my bill XX/XX/XXXX but I cant use it for 14days how is this fair that they take my money n I get no credit for it for 14days this is ridiculous n so unfair XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: MI

Complaint narrative:
A phonenumber claiming to be Wakefield & Associates calls repeatedly telling me that I owe money on a debt. This debt is not in my credit report, and they have never sent me any notice of this debt prior to the calls. They have been calling me for months. When I asked for verification and additional information on the creditor, I was given very vague answers and told to send a request via email. Never received a reply. They are still calling. They also have incorrect information about me. I keep track of my medical debts and have a good credit score. You would think they'd be willing to provide information about the debt if that's all it would take for someone to pay it ... Sure does make it seem like a scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have been trying to dispute this account and have it removed from my credit file due to inaccurate information reporting to the credit bureaus about this 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 non-monetary relief
Consumer complaint received 2021-10-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE LATE ACCOUNTS ARE STILL FOUND AND NEED TO BE UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXXXXXX-Balance {$0.00} XXXXXXXX XXXX XXXXXXXX-Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: GA

Complaint narrative:
I disputed the incorrect information. The company received the information from XXXX XXXX indicating that the late payments were reported in error. The company only removed the two thirty day lates. They did not remove the 60 day late although XXXX XXXX indicated that the payments were posted incorrectly. I was not late in XXXX or XXXX so there is no way that there was a 60 day late. I applied to refinance my house after I was told everything had been corrected. I was denied. I want the incorrect information removed, the inquiry removed, and my credit rescored.

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 2021-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
this company closed my account stating that i abused the account due to making payments but also reporting late when this account is close.

Company response to consumer: Closed with explanation