vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
An XXXX  was purchased using my Chase XXXX account number and my address online from XXXX XXXX for {$1000.00}. We immediately told Chase on issued new cards. I have struggled to get detailed information from Chase as to why they say the charge is valid. The identity thieves used an invalid email address, which I sent documentation to chase. Neither Chase nor XXXX XXXX will give me information as to where the XXXX was shipped, did they thief pick it up in the store, etc. They will not provide me anything to help prove my case that this was not me. If I had more specifics I could file a policy report but I still do not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On Saturday evening, XXXX XXXX I attempted to withdrawal {$400.00} from a Wells Fargo ATM using my Wells Fargo debit card. My account was debited for the money but the money was not disbursed from the ATM. I immediately contacted Wells Fargo and put my issue on record and I was provided with a claim number. I have still not received my money. When I called Wells Fargo on Friday to question where my {$400.00} was because I have bills to pay, I was told in no uncertain words that it's not their problem. I can not be told and will not believe that it takes this long for them to count the money in that ATM and reconcile it to know there's {$400.00} too much in that machine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In mid to late XX/XX/XXXX, my CitiBank Mastercard ending in XXXX was lost or stolen and used to make XXXX charges totaling {$100000.00} in late XXXX and early XX/XX/XXXX. I noticed an email from Citibank about charges, and I clicked the email to indicate that I did not recognize the charge. ( Screenshots attached. ) Citibank then closed my account and mailed me a new card. I figured this was all I needed to do, but then I received a bill that still had the charges on it, so I also contacted Citibank on XX/XX/XXXX, and notified them that these were all fraudulent unauthorized charges. 

The letter CitiBank sent me on XX/XX/XXXX ( copy attached ) states that I am NOT responsible for any charges while investigation is pending, however the XX/XX/XXXX, bill to my card statement showed XXXX minimum payment due as the {$100000.00} charges are in dispute, but the XX/XX/XXXX, bill added {$1800.00} in finance charges and shows {$9400.00} due XX/XX/XXXX. When I spoke to the fraud investigations department they said this was a mistake, but Citi customer service says the bill is just automatically generated. 

While this {$100000.00} in fraudulent unauthorized charges remains on my bill, my credit rating goes down considerably. Citibank needs to remove these charges from my credit card and zero out the balance. I even supplied a copy of my driver license to Citi and by now they must know that whoever made these charges was not I. These are all unauthorized, fraudulent charges made in apparently the XXXX XXXX, CA area, and I have not even been in California for some time, and was not in California at all in XXXX or XX/XX/XXXX. I have proof that I was out of state and at an event on XX/XX/XXXX, when most of these charges were made, and was nowhere near California.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: MI

Complaint narrative:
I sent this credit bureau two rounds of dispute letters asking that they fully verify five collection accounts listed on my credit report from them as I believe that those accounts could possibly have illegal collection fees. In those dispute letters I asked that the debt be verified by providing original documents to support the claim. Each time I disputed, they " verified '' the accounts without sending original documents to fully validate the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX is reporting an address on my credit profile that I do not recognize. Clearly the address listed on the credit personal profile is not my address. I do not recognize that address and I never resided at that address. This is an error that cost points on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX is reporting an address on my credit profile that I do not recognize. Clearly the address listed on the credit personal profile is not my address. I do not recognize that address and I never resided at that address. This is an error that cost points on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07 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: CA

Complaint narrative:
I have never opened an account with XXXX  bank yet there is a charge off account on my credit report stating that i owe {$50.00} when I never opened an account with this company. I shouldn't have false information on my credit report and i dont believe i should be penalized for inaccurate information. The bank information is XXXX XXXX XXXX XXXX  XXXX, MO 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 2022-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$540.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$170.00}, XXXX XXXX XX/XX/XXXX {$320.00}. Inquiries : XXXX O/T XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I filed a complaint with CFPB in XX/XX/XXXX with hopes that I could stop a foreclosure sale on my home. I was previously under XXXX. XXXX bankruptcy but it was dismissed because I could no longer keep up with my plan payments. I also filed for a loan modification with PHH in XX/XX/XXXX. I phoned PHH and got an appointment with my relationship manager, XXXX XXXX. The foreclosure sale was halted and I consulted with a realtor to put my house on the market to sale it. I moved my items out of my home to have a few repairs done that my realtor suggested. Within a month of my home being on the market, I went to my house and I received a notice on my door from a company called XXXX XXXX XXXX. Apparently PHH hired them because my home was vacant. They had no way to confirm my home was vacant. I had a cash offer on my home but the offer was taken back after the notice from XXXX was put on my door and railings. The language on the letter stated I could not enter my home with calling XXXX. I filed a complaint through the XXXX  against XXXX XXXX XXXX. The company responded to the complaint stating they were hired by PHH to secure my home because of delinquency on my account ( see attachment ). On Wednesday XX/XX/XXXX XXXX XXXX XXXX broke into my home while I was not there and did something to my door locks. I plan to seek legal counsel for unlawful entry into my home. That is an illegal practice. PHH denied my loan modification and would not even allow to apply for a forbearance and I was not offered a repayment plan to help bring my account out of delinquent status. With all the government programs in place to help homeowners avoid foreclosure they have not helped me at all. PHH Mortgage is deceptive in their actions in helping me keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I paid the Total Sum Of {$4900.00} and this information XXXX should not show up on my XXXX/Transunion/XXXX  Credit Reports. please remove this Missed payment information and remove off of my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Big Picture Loans, LLC
State: VA

Complaint narrative:
on XX/XX/2021 and XX/XX/2021, Big Picture Loans, limited ran my credit report without my consent. They allowed an individual, other than myself, without verification, to run my credit report. I opted out of prescreened offers and they ran a hard inquiry on my credit report without my permission. I do not and did not authorize this and will be filing a federal lawsuit to remedy the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I have a Fremont Investment and Loan CoXXXX originated loan that has been through the hands of multiple companies. I have not been able to resolve this account with current company Ocwen/PHH Mortgage/XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I was in the process of refinancing my mortgage. 
I received a call from Rocket Mortgage advising that they had received my request for a refinance. I advised the rep that I was already in process of refinancing with a company and advised we had already moved forward with credit inquiries, she then began to ask me the following question. 
Did they run your credit, I advised yes they did as we are refinancing. 
I monitor our credit so I begin to receive alerts that our credit had been run I did not at anytime give Rocket Mortgage permission to pull out credit reports in the month of XX/XX/2021. 
I tried disputing this with the Major credit bureaus with no response or dispute status provided. 
I would like the recorded conversation pulled & reviewed reflecting giving verbal/written permission to access credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Credence Resource Management Address XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX First numbers of account : XXXX .... Phone ( XXXX ) XXXX. Date XXXX. 
Original Creditor XXXX XXXX It was placed for collection. attempting to collect {$1100.00} from me. I do not own this account. I have never lived in the state of Texas.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avadyne Health Holdings, Inc
State: AZ

Complaint narrative:
XXXX XXXX did not bill correctly. I have double coverage and they only billed primary insurance and not the secondary. Contacted them multiply times to correct and they said they would correct it. But, now they sent me to a debt collector. I contacted them to explain that XXXX did not bill correctly. They were rude and stated to contact XXXX, because the bill is XXXX years old now and the insurance won't do anything about it. The surgery was XXXX, billed XXXX, primary covered XXXX leaving a remaining balance of XXXX. Tried to explain this to H & R Accounts, Inc but XXXX  the agent that spoke to me said its my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: HANCOCK WHITNEY BANK
State: FL

Complaint narrative:
On XX/XX/21, Hancock Whitneys representative, XXXX XXXX, Real Estate Loan Administrator, confirmed that they had received a refund for the initial disbursement ( {$16000.00} ) from builder, since the builder could no longer build the home for me. The bank has not applied the funds back to the account, and the amount still shows outstanding. They have also continued to charge me interest on the funds they had since XXXX of last year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: AL

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX {$540.00}, XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00}, XXXX XXXX  XXXX XX/XX/XXXX {$170.00}, XXXX XXXX XXXX XX/XX/XXXX {$320.00}. Inquiries : XXXX XXXX XXXX XX/XX/XXXX, EQUIFAX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX - XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 2022-02-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers. 

I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: MI

Complaint narrative:
My federally protected rights as a consumer has been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: WI

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, My Address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX WI XXXX. My email is XXXX, XXXX. My Mortgage Co. Name : Planet Home Lending. 
I filed a complaint with you few months ago. 
Planet Home Lending said because my Ex-sponse XXXX XXXX Name is on the Mortgage first, My name is on Second, I don't have any Authority to sell or Refinance or ask for a Forbearance. I filed for divorce in XX/XX/2020, Our Court date was XX/XX/2020, He Moved out by XX/XX/2020. My Alimony is about $ XXXX. I am Unemployed no benefits since XXXX.

Company response to consumer: Closed with explanation