vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-14 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
# 1 the Biggest issue is I just finished a bankruptcy for 5 years to keep my house. I have paid my mortgage payments over {$110000.00} for the last 5 years. I have paid my bankruptcy court. When the bankruptcy was over their attorney sent a letter stating I was behind since XX/XX/23 and owed {$14000.00} more then what I have on all my mortgage statement. They never put it in my plan and never showed me on my statements that I owed this money or I would have made sure it was paid. Now they will force me into another bankruptcy when discharged any day now because they will try and foreclose on my house. They were very sneaky and I think Unethical in how they handled my mortgage. Never could get info because in a bankruptcy. Couldn't pay on line made you call in. It was a fiasco from the very beginning its been very difficult I have many letters. 

# 2 - They are not showing my last payment of {$3600.00} on XX/XX/2023 and they still haven't put it so I can understand it on my bank statement? It doesn't show I paid {$3600.00} and in the past when I made a big payment it would show up as I paid it on that day? 
Also, they send out my bank statements sometimes the beginning of the month sometimes the middle to end of the month and it is always a guessing game if they will show what I paid and when and what charges they are putting on my account. 

# 3 If I called for help they would tell me to contact their attorney which I am sure cost money.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are two addresses on my credit report that i have never lived at. Please view attachment. The highlighted addresses are incorrect

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX  This account is not mine XXXX XXXX Please verify that this is accurately reporting on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/XXXX This account is not mine XX/XX/XXXX XXXX Please verify that this is accurately reporting on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect.

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 2023-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Capital One has continued to call after multiple requests asking for them to Cease and Desist. Every time they call, Im told that there is no note or no record of anyone entering a cease and desist. Im still getting calls almost two months after the initial request was completed. Each person says theyre going to file it, but no one does. Ive told them of my hardships and they continue to send me notices saying they will help with payment options, but when I try to, I dont ever qualify for anything that will help. What they are trying to do is make sure that I dont eat or lose my electricity or anything they can do to get their money back. They lie to consumers about abilities to reduce APR and other customers get APR reductions when asked, but anytime I call, they say that it is not something that Capital One does. They have also violated CFPB regulations by refusing to escalate complaints on these things to their Level 3 escalation team or their Executive Office. Im told that I cant speak with those levels and they dont take complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
on XX/XX/XXXX  someone opened a loan with XXXX XXXX and also on XX/XX/XXXX  someone opened a loan with a XXXX XXXX both loans are a result of identity theft please remove

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 2023-12-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Started XX/XX/XXXX in which an unauthorized payment from my checking account was made on Jcpenny credit card in the amount of {$330.00}. 

On XX/XX/XXXX a miscellaneous adjustment was made on my account in the amount of XXXX and on XX/XX/XXXX a refund check was mailed to me in the amount of {$330.00}. 

These two adjustments were duplicated on my account and my account is now XXXX more than it should be. If the XXXX XXXX is taken off as an owned portion then the calculations would be correct.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
trans union has been fined and sued for reporting inaccurate information on credit reports. 
the consumer financial protection bureau and the federal trade commission reached a XXXX XXXX settlement with credit reporting firm. trans union violated the FCRA by failing to remove inaccurate records from consumer reports harming ability of people to obtain credit and housing. XXXX XXXX is reporting inaccurate information on credit report and XXXX is suing them because their card is back by XXXX XXXX. XXXX XXXX is not processing payments on time which is causing late payments on people credit report and affecting XXXX customer because they underwrite the XXXX card this means i am a XXXX XXXX customer and XXXX card holder with late payments and charge off because of XXXX XXXX not processing in a timely matter. i am disputing this with the sole purpose of immediately removing this XXXX XXXX charge off from my credit report. this is a lawsuit that XXXX is suing 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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
am willing to settle the overdue payments on my account, and I kindly request that you accept my payment as agreed. I am committed to making a substantial payment.

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 2023-12-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I received notice from a debt collector I.C. System, Inc upon calling them, they said I needed to summit a Police Report and a claim form. They have not sent one to me as requested as their online system is not user friendly to summit one. As of XX/XX/XXXX  they say I owed {$360.00} with interest fees as of today I find that suspicious. This company have not been helpful in resolving this matter. Thanks for your help.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/13 the following parties ran a hard credit report without my consent. I do not have accounts or have ever filed inquires with these companies. 

XXXX ( Finance ) XXXX  XXXX ( Bank ) These parties ran a regular credit check. I do not have accounts with any of these companies. 
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 would like to dispute these credit inquiries as I did not file them. Ive attached the screenshots from my TransUnion 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 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: SD

Complaint narrative:
I made a payment of {$3700.00} on XX/XX/. The funds from this payment were held and my available credit was not updated until XX/XX/. I have been making large payments for months and was aware that the company had a tendency to process payments slowly or hold payments from available credit. I understand this practice and policy and respect it. However, I had called in the past and asked specific details related to payment processing in my available credit, and was given various different answers. Although this is absolutely just human error and does not change their policy, this human error caused a massive impact to me. I made this exceptionally large payment as part of paying my bill in full with the understanding, based on previous conversations, that I would be able to use the available credit within a few business days, I had a bill due for my electric at a much higher amount than normal that was requiring payment or electric services would be interrupted. I have called in the past and had holes removed, but in this instance, the hole can not be removed, likely due to the large amount of my payment. Although again, understandable because of misinformation, this was impact my ability to pay a bill. I talked to several individuals and actually asked to be escalated to their executive offices following complete standards, and was told that I would get a call back. I have not received any communication whether verbally or in writing. My funds were eventually released. However, I had to remit payment from borrowed funds and from what was left to pay my bill in full. This is caused late fees from my electric company that I paid, and because I did not pay my bill in full interest charges for the account. This fall information seems very deceptive and altering an impactful. Additionally, theres no way for them to return funds from a payment or release them even with proof from the bank for situations such as mine. Meaning if they truly had a bank error that caused the customer would be out of luck, and they could cause real harm.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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: MD

Complaint narrative:
On Monday, XX/XX/2023, I mailed a certified letter, with identifying documents ( attached ), to Experian asking them to verify the information from their investigation. The original investigation took more than 60 days ( violation ) from the original date my dispute letter that was sent to the company in XXXX and a CFPB complaint was filed and a response finally given in XXXX. In the results, Experian stated that they " verified '' the information, which can not be true, and I requested verification of debt under FCRA Act Section 611, the request of an explanation of the verification method used by the CRA and a request of records obtained under the FACTA act, SEC 312 ( b ) and ( c ) with the information listed. This certified letter was sent certified USPS tracking number XXXX and delivered directly to a worker per USPS tracking to Experian on XX/XX/2023 ( confirmation attached ) with several copies of my identifying information as proof of identity enclosed. On Tuesday, XX/XX/2023, I received a ridiculous letter from Experian attempting to stall the verification process and investigation AGAIN using a letter stating that they they were not sure it is me and attempting to bully me into not replying and/or letting their nonsense and fake reporting into this investigation go. This is absolutely ridiculous and this company is continuously being allowed by the CFPB to ( 1 ) violate my rights under FCRA, ( 2 ) use stall tactics to not do their job, ( 3 ) report false and erroneous information without any repercussions.

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 2023-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: WY

Complaint narrative:
I emailed Aidvantage a month ago about my options to postpone my payments due to unforseen medical charges I need to pay. They have not responded and forced me to make an uneducated decision to use forebearance as my payment was due. They whole purpose of a loan servicer is to aid in decisions like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had lost my phone, debit card, and my email was hacked XXXX XXXX has charged unauthorized charges to my debit card, I have reported to Bank of America and this issue has not been resolved or investigated, I have contaced the merchant for signed receipts was never provided.

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 2023-12-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX charged the incorrect account for charges for XXXX XXXX he is not on my account nor authorized, XXXX has contested charges thru this merchant as they falsely misrepresented themselves and he disputed with this company that they took out these charges from the incorrect account as XXXX used to be on my account last year and was removed for my account because he is no longer a teenager. This company has been disputed by XXXX because they charged him for an XXXX package thru XXXX and then he was charged for a car and hotel fee at destination he already paid for these charges. Bank of america is aware that XXXX was not on my account when these charges were pulled from 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 monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed the company XXXX XXXX XXXX XXXX XXXX several times because this was an alleged debt and I had no knowledge of ever doing business with this debt collector or the company they mentioned as an original credit ( XXXX XXXX ). I have spoken with both parties and told the same thing. 

I have filed an FTC report which I will attach so this is removed from my consumer report immediately. This incorrect information has damaged my consumer report and is a violation of federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I made charges to XXXX XXXX secured card {$450.00} and also made charge XXXX  rewards account {$49.00} 4 times XXXX {$210.00} for car warranty and they also {$410.00} charge they got me that also they said they givr you back your {$210.00} but i can't find 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 non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
When I called in the person wouldnt answer my question, when I was trnasfered to a supervisor XXXX, I asked him numerous times if the time was currenly before XXXX. he argued that XXXX is AFTER XXXX but no, XXXX is before XXXX. then hekept calling me sir when I have asked them not to use any pronouns other than my names. this is XXXX discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Contacted Truist bank in XXXX to inquire about a HELOC. The representative confirmed our home loan status that is and always has been in good standing. The XXXX ( XXXX XXXX ) also indicated that we had more than enough equity in addition to the fact that we ( my husband and I ) have very good credit ( we each are over XXXX credit scores ). We have provided Truist with all the required income and tax documentation into the lender protal. 

Last week, the repXXXX, XXXX contacted me to advise that the underwriter wanted us to close a high balance credit card once paid off with the HELOC to adjust for our debt to income ratio but we would still be approved. We challenged that as closing a long standing high limit credit line would damage our credit. The rep. acknowledged that it did not make sense, offered to call her manager and upon dig so, we are now denied the entire HELOC. 

We were told that we could only have the funds to pay off the high limit card, one time and still close both the card and the HELOC when we had been previously noted for an OPEN line of {$150000.00}. 

I pointed out that this was discriminatory and the rep. said it " was underwriting and you both are independent contractors ''. Further stating that we could just sell our property.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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