vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
My credit rating for all three companies continuously shows delinquent charges even when XXXX XXXX & their Mortgage company PHH Mortgage has formally submitted a mortgage condemnation 1099 to the IRS. All three credit reporting companies  have not updated my credit rating since XX/XX/XXXX even after being shown proof that the claims are fraudulent claims by XXXX XXXX & their Mortgage company PHH Mortgage. I have filed claims before that were investigated by lawyers at the law firm XXXX XXXX XXXX XXXX CO instead of directly by the company 's listed above. The mortgage in question was an illegal mortgage as was the primary cash purchase loan and the following second mortgage to begin with and the house needs to be condemned because it is not built to national or local building codes. Because of the incorrect reporting they are slandering my reputation, my creditability and my credit rating on a daily basis. This has been ongoing since XX/XX/XXXX when they forced the liquidation of investment holdings that were held as collateral for a line of credit that was used as a second mortgage on the same property. I was not in the Arrears with either loan. The XXXX XXXX XXXX  took this action after I informed XXXX XXXX XXXX XXXX XXXX that the house was not built to national or local building codes. Here is a link to all the evidence. https : XXXX! XXXX? XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc.
State: CA

Complaint narrative:
I have paid all my copayments and I told USCB America about that ; but they said that I still owe XXXX XXXX copayments. For example, I paid for XXXX XXXX and XX/XX/2020 services and I told them that I paid for every single service that I received. This business has sent bill to me and called me and want me to pay for these two services again. Please help me to solve the issue. XXXX XXXX XXXX asked the USCB America to collect the payments again from me even though I told both the XXXX XXXX and USCB America that I paid for every single service that I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: AMERISAVE MORTGAGE CORPORATION
State: OK

Complaint narrative:
The company is ; Amerisave Mortgage Corporation XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX XXXX DATES-XX/XX/2020

: r

eceived two envelopes, one addressed to me and another addressed to my wife. The envelopes contained credit reports that we didnt request or file for. The credit report showed a soft pull for a home applicant. We arent in the process for a home loan. The mail addressed to me showed it to be generated o
n XX/XX/2020 at XXXX XXXX. 
There is also a date on the report showing date ordered on XX/XX/2020. That again is not a date we request any loans. We also werent  attempting to get a home loan.

ACTIONS- I looked up the company. There are many questionable historical facts that led me to report this.

I also sent an email to their customer service, but wanted to get ahead of anything.

AMOUNTS-There are no amounts of financial expenditures but it is for a home loan.

The fact that there were two envelopes, both with our credit reports in each, makes me wonder if this is two separate transactions.

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 2020-10-21 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: Army and Air Force Exchange Service
State: NC

Complaint narrative:
XXXX of 2020 my credit card company militarystar labeled my account 30 days past due. I was XXXX during this time without any type of communication. I have tried to call and dispute over the phone but no request has been fulfilled.

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 2020-10-21 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: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documentsChapter XXXX bankruptcy discharged Date Filed XX/XX/2012 XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX A XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-10-21 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: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documentsChapter XXXX bankruptcy discharged Date Filed XX/XX/2012 XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documentsChapter XXXX bankruptcy discharged Date Filed XX/XX/2012 XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX A XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I purchased a car from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il. XXXX for {$19000.00} Santander Consumer USA INC XXXX XXXX, TX XXXX was paid {$430.00} for 71 installments My maturity date was XX/XX/XXXX of this year I have now passed six months and Im still paying for this vehicle still owe $ XXXXI do believe Im being prayed upon for this extra XXXX XXXX was given an order to pay XXXX extra dollars or sign for 10 extra months of installment payments or have my car repossessed I have already paid 77 months of installment payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Basically I signed up on for the BlueBird.com prepaid card by American Express, and thought I could use it. I never used it. I feel the card is useless to me and have properly disposed of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Block, Inc.
State: TX

Complaint narrative:
Cash App/Square allowed a user to open debit cards fraudulently using my name and address. This also caused inquiries on my credit report. They dont have a phone number for people who arent already customers so its impossible to contact them without giving them your data and becoming a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Dear CFPB Headquarters. 

XXXX XXXX has been abusing the Fair Credit Reporting Act and running circles around myself and the CFPB complain system. 

I XXXX XXXX am the victim of Identity Theft with documents dating back years. 

XXXX XXXX is reporting a Fraudulent in my name. 

I have disputed this multiples times with XXXX XXXX. Three times through the CFPB. 

Each time XXXX XXXX 's staff said they would later reach out to myself for more information. 

Each time was a lie to wait out the complaint against them.

They then proceeded to resend another collections letter never having asked for the evidence I was told they would ask for three different times.

Their only statement has been that two payments were made to the  card from a XXXX XXXX  Account. However, as I have informed them every time that account was already confirmed as fraudulent from XXXX. However, regardless of this evidence that completely invalidates their " proof '' that the account is valid they merely lie, stall, and ignore the Fair Credit Reporting Act which they are committing multiple violations of. In addition, the CFPB has been allowing this to continue as I have
read multiple similar complaints online. The CFPB is failing to investigate and fight against this abuse towards the American people. Therefore, I demand this matter be escalated to the teams in charge of taking legal action when a corporation is knowingly and blatantly violating the FCRA and abusing consumers. Have the appropriate department contact myself with any questions. Further  neglect from the CFPB concerning XXXX XXXX 'XXXX abuse may result in us filing a case against the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
I start a complaint XX/XX/XXXX, and XX/XX/XXXX. The amount which I do not recognize. I also send in my left to show me proof that this debt is mine.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I am in a serious health condition and my husband is XXXX of XXXX XXXX. Obviously, I am stressed to the XXXX. I XXXX XXXX and in the midst of one, dropped my card in one of my many boxes. IT IS NOT STOLEN and I am not concerned about that because I know I will eventually find it. I called and explained this to a customer service  representative, XXXX, with CitiBan

k and she assured me she would send me the same number, no problem, and expedited delivery. I spoke NO ONE nor did I do anything via non-verbal sources. It was important that I get the same number for many reasons ... I have many auto-pays that would need to be changed and a couple of the companies I purchase from will not credit for any returns unless I have the credit card in hand. They will give me a store  credit. That would entail a lot of money in credit that I can't afford to do.

Today, I received the replacement card and NO ONE COULD HELP ME because they said the other card was CANCELLED and could not be replaced now. That is NOT what was agreed to with their representative and I took copious notes to that affect. I XXXX XXXX XXXX XXXX XXXX XXXX and learned I need to always take copious notes! 

This has put me in such a stressful state with all I am going thru that I actually had to be sedated so I didn't go into XXXX. I am upset because ( 1 ) they didn't do what was explicitly agreed to and ( 2 ) they  say they can't ( won't ) be able to correct it. 

Very upset customer..

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 2020-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
Please see prior filed complaint which was not satisfactory addressed.

1. How do I made the payment of XXXX  $ mentioned in the response?

2. The count is still incorrect. Loan sequence 1-2 should have a qualifying date of XX/XX/XXXX ( even with your logic re consolidated ).

3. The remainder of the loans should all have the same number of qualifying payments as they were all paid together and on automatic payment, with a qualifying date of XX/XX/XXXX ( at latest ).

4. Please review and submit payment overrides for months that bills were not appropriately sent and therefore payments were not counted.

5. Please recount my number of qualifying payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: AL

Complaint narrative:
On XX/XX/2020 I first spoke to a XXXX XXXX agent. They were unable to verify credit reference due to security alert. I was transferred directly to Experian. Please acknowledge this - I have been two months trying to reach a person by phone at all the credit bureaus. Today it took almost an hour to finally get a person to talk to. I have also made many effort to use the online services and I get - no such account, you may have an account - over and over until I am locked out and not do any more. Today after talking the smart A -- who took my information, in order to  verify my identification finally asked me the XXXX $? which I could not do because I have never been able to get into my account and the time has lapsed so long that I have forgotten the darn answer. Therefore, now I have to prove my identity by providing documentation. I was given the web site to use and guess what, I was locked out and every document that I took hours to put together, copying, scanning and uploading has now been erased and my next option is to mail everything in. I tried to call, the hours for today, close at XXXX. I call @ XXXX and sorry we are closed. What's with these people. Enough is enough!!!!! This is MY LIFE and MY CREDIT, they do not own me and I want my information, a score without paying and the security alert lifted so I can move on. 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 non-monetary relief
Consumer complaint received 2020-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
Attempted refinance with Ally Bank. Went through online forms and spoke with a rep who confirmed based on my answers i was prequalified all they needed to do was verify the information i provided. The confusion continued for several weeks. They were lax in responding to online requests and emails. I finally started phone calling and waiting on the phone to speak with someone. They seemed to be hung up on me being self employed. They have their own definition of self employed which they did not share until i had paid for services they required to continue. I explained according to the IRS i was not self employed. I provided bank statements, check stubs and tax returns to justify my income. They disallowed most of the income stating it was because i was self employed. The said my DE ratio was off but they never requested copies of my expenses. 

When i specifically ask them to show me what i answered incorrectly on the application which would have led to the confusion, they did not provide any specific answer. Only that the underwriter disallowed most of my income for the calculation for one reason or another. 

This information should have been relayed to me prior to me approving a {$550.00} charge for an appraisal ( which they required an inside appraisal instead of a drive-by. ) Had they been forthcoming with the requirements i would have not approved the {$550.00} charge. 

I provided tax returns showing income which i walked through with the rep. added it and divided it to get a monthly amount. our calculation was off by almost $ XXXX per month from the underwriter. 

I believe this was presented by people who didnt know what they were doing ( as evidenced by all the confusion with the application ) and should not have been charged the {$550.00} without properly informing me of the issues with what they considered self employment ( again which is different than what the irs considers self employment. )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: TN

Complaint narrative:
ONCE AGAIN I HAVE ASK EXPERIAN TO HAVE THESE COMPANYS TO REMOVE THESE ACCOUNTS FROM MY CREDIT FILE I HAVE FILED A POLICE REPORT AN FTC REPORT AND THESE COMPANYS HAVE STILL YET TO PROOF THAT I AM THE PERSON THAT APPLIED FOR THESE ACCOUNTS THEY NEED TO BE REMOVE ASAP.

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 2020-10-21 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The credit reporting companies are destroying our lives when we pay our bills on time but drop our credit by large numbers if we us our credit cards, and this happens more with XXXX then with XXXX, I will file a lawsuit in court, this has to stop

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 2020-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I am following up on Complaint ID XXXX. Bank of America called me on XX/XX/2020 and said that they were working on the case but as of today, I have not heard anything and no resolution has taken placed. On the other hand, it looks like Bank of America closed my complaint with your organization and I want to make sure that you reopen a case or create a new one on my behalf in order to log a resolution from them. I want them to returned my refund of {$7400.00} which was deposited to a wrong account and I never received the money nor have been able to have a closure on this matter. During this difficult time of Covid-19 a resolution on my behalf & my family 's behalf will be greatly appreciate 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 2020-10-21 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I applied and received credit for a Rooms to go Credit Card with a limit of {$2500.00}, in XX/XX/2020. I bought the Card security protection for {$9.00}. The security protection states that if in any event I lose my job they will pay the credit card balance up to {$10000.00}. I made a purchase for {$1100.00}. I made all the payments on time until XXXX when I lost my job due to COVID. I filed a claim with the security protection insurance company and the claim took two month before it was finally approved. I received a notice from the insurance company 3 months ago stating that my account was settled and my balance was XXXX out. However if I made any new purchases they will not honor it. On XX/XX/2020, I received an alert that my credit scored dropped 42 points due to synchrony bank inaccurate reporting. synchrony bank Rooms2Go reported that I have a delinquent balance of {$75.00} and a late fee of {$35.00}. When I called to inquire a representative at synchrony bank told me that the insurance company charged a premium and I needed to contact them. When I called the insurance company a representative told me that they paid the remaining balance of XXXX in XXXX, which is the amount that synchrony bank presented and there is not supposed to be a balance. I then called synchrony bank again and was told that they made a mistake and reversed all the charges and the account was XXXX out. However I spent 1 year and {$900.00} in credit repairs to get my credit to a XXXX, I am in the process of purchasing a home and now my credit score is reflecting XXXX, I am unhappy, because as a consumer I was responsible enough to purchase the protection, and synchrony bank should of updated this information before it negatively impacted 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 non-monetary relief