vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
We have been working with PHH on a second short sale offer/application since XX/XX/XXXX. On XX/XX/XXXX, my realtor and authorized XXXX XXXX, was told by XXXX, XXXX, and XXXX that once I sent an additional email requesting a short sale that my foreclosure would be on hold to give them time to review the short sale application. I sent the email on the same day, and no one from PHH ever responded to us again. 

Today, XX/XX/XXXX, I called PHH and was told I would go into foreclosure tomorrow and would have XXXX  days to move out. I then called again about an hour later and was told that I went into foreclosure because the system says a short sale was approved by PHH in XXXX, but I denied it. This is completely incorrect and clearly false information that was inputed into the system. I have record of all the calls both my realtor, and I made and not once did anyone at PHH tell either of us the short sale was approved. Instead, they had me keep re-submitting applications and denying a mortgage assistance application I never submitted. 

The amount of incorrect and conflicting information this company has provided us is disgusting. The fact that I was told a week ago that my foreclosure was on hold, and then am told today that I will need to be out in 3 days is absolutely atrocious. I have been given no time to prepare because of the false information PHH has provided me over that past few months. I even asked for the information to get the extension started so I have more than 2 days to vacate the property, and XXXX person told me that was impossible and the next person I spoke to said I have 30 days to move out. This is another example of the conflicting information PHH provides.

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 2024-05-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
I opened a line of credit with XXXX XXXX for XXXX with XXXX XXXX XXXX. I made my first payment XXXX on XX/XX/2023. I did not miss one payment. I was not able to pay on time like I wanted to because the bill was due on the XXXX of the month, which is around the same time the rent was due. I dont have enough money left over to pay this bill on time after I paid the rent, so I paid with the next check. I have 2 checking accounts. I made 6 payments with one account and 5 payments with the other. Which was a total of XXXX. 
Then they sold my account to XXXX XXXX. When the new company took over I made my first payment with them in XXXX and I made my payment in XXXX which brings my payments up to XXXX. 
XXXX XXXX is saying I owe them an extra XXXX. That is not true and I have the bank statements to prove it. I know this can not be late fees, if so this amount can not be legal. Again the amount of the credit line is XXXX and I have paid XXXX which means I should only owe XXXX. 
I found out about the XXXX when I called in to make a payment and the XXXX XXXX told me all of this and said that I bounced a check. My bank confirmed that is incorrect and again I have the statements to prove this. 
I made a payment of XXXX and said I was going to dig deeper into this matter. They are trying to rip me off and I am not taking it lying down. I just want to pay this debt off and move on. Please let me know if you need any evidence from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc.
State: IL

Complaint narrative:
XXXX XXXX is reporting that I owe them XXXX for a XXXX credit limit. At that time I was making monthly payments until. Contracted XXXX in XXXX. 
When I called to check the status of my account in XXXX of XXXX I had an overpayment. I have not used the account. I have not seen a bill in almost a year and to top it off the account number that they are reporting to the credit bureaus is NOT my account number. I filed a dispute with XXXX XXXX Credit bureau in XX/XX/XXXX. When the Representative asked me for my credit card number, she told me that my number was incorrect. I told her I am holding the card in my hand, this is my account number. She said that is not the number I have in front of me. She said she would include that in the report and the dispute was filed. 
I have not received any correspondence from Avant Bank regarding this matter. They are damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Accounts for Sears Matercard and Sears Credit card were paid off in full in the amount of {$9900.00} account nos. ending in # XXXX and # XXXX payment in full was sent to Sears Credit Cards payment address XXXX XXXX XXXX & XXXX XXXX, AZ XXXX XXXX date of check XX/XX/XXXX loan pay-off to SEARS/CBNA Check nos. XXXX & XXXX, they issued replacement cards that were never received it was reported lost/stolen to USPS location in XXXX, Ca XXXX and to Sears MC and Sears Credit card Customer Service only a credit limit of {$200.00} was issued on Sears MC and {$2500.00} on Sears Credit Card Another letter was sent from Sears Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX stating that on XX/XX/XXXX, will be closed there is no valid reasoning after they received. 
additional money for the fraudulent overcharges for Sears Home Services Deductible of {$100.00} using this card nos. and there failure to complete the service calls under the Sears Protect plan. All they did was complicate all their errors made but still extorted more 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 non-monetary relief
Consumer complaint received 2024-05-06 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Had my checking account hacked from a random person in XXXX XXXX. Multiple charges, basically charged my card different amounts until it was {$0.00}. Called Chase XXXX and they were able to refund the credits. By the time the investigation was done, they charged my card {$160.00} and told me that my claim was reversed. They said that since the pin was used, it was a valid charge. The card was hacked while it was in first class mail. Not even in my possession. Im out almost {$200.00} because the fraud team deemed that it was me. Extremely frustrated with chase. I am very low on funds and now I have to lose out on that because I was hacked from someone in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Goldcar Lending Inc.
State: GA

Complaint narrative:
GoldCar lending came and repossession my car and there were no late payments on the car and I had just paid the car note XXXX XXXX and XX/XX/year> they came and got the car. I called to get the car back and was told the car was no longer available they had sold it. The Balance {$5600.00} is what I would have had left to pay if I still had the car. This not a legit car dealership it's a local mom and pops dealership that sale used cars.

Company response to consumer: Untimely response
Consumer complaint received 2024-05-06 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: GA

Complaint narrative:
All of the below listed items I do not have a contract with these companies. They did not provide me with a copy as requested. I am not responsible for these accounts and would like them removed from my report. 


XXXX XXXX XXXX XXXX XXXX  This account is listed erroneously. 
XXXX XXXX XXXX XXXX XXXXXXXX This account is listed erroneously. 
XXXX XXXX XXXX XXXX This account does not belong to me. 
XXXX XXXX XXXX XXXX This account does not belong to me. 
XXXX XXXX XXXX XXXX  This account is listed erroneously. 
XXXX XXXX XXXX XXXX XXXX This account is listed erroneously. 
XXXX XXXX XXXX XXXX XXXX  This account is listed erroneously.

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 2024-05-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
All of the below listed items I do not have a contract with these companies. They did not provide me with a copy as requested. I am not responsible for these accounts and would like them removed from my report. 


XXXX XXXX XXXX XXXX XXXXXXXX This account is listed erroneously. 
XXXX XXXX XXXX XXXX XXXXXXXX This account is listed erroneously. 
XXXX XXXX XXXX XXXXXXXX This account does not belong to me. 
XXXX XXXX XXXX XXXXXXXX This account does not belong to me. 
XXXXXXXX XXXX XXXX XXXXXXXX This account is listed erroneously. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX This account is listed erroneously. 
XXXX. XXXXXXXX XXXX XXXX XXXXXXXX This account is listed erroneously.

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 2024-05-06 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: FL

Complaint narrative:
Could you please remove these inquiries? I have no knowledge about them, and the company acted without my consent.

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 2024-05-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/19 I gave notice to XXXX XXXX XXXX of 60 day notice of move out.in which I pride the last 2 months of rent I moved out of apartment on XX/XX/19. But they have continously without merit have tried to collect a balance of {$1000.00} which was then given to XXXX XXXX XXXX which is illegal practices as stated the account was satisfied with original creditor this account in past was removed from my XXXX crefit profile but Eqifax has failed to remove this fraudluent collection account..This collection on my crefit report has caused mental stress and disadvantaged me in any and all credit decisions by reporting a fraud I lent account. This fraudulent account needs XXXX removed it has caused lack of financing with other companies and growth with my business if this FRAUD doesn't stop and removed from my credit profile I will left with seeking legal action by all parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
Around XX/XX/XXXX my home internet was bugged via phishing and was told to call XXXX this was all a scam. They gained access to my system and was told XXXX  XXXX was on my computer and that my name and identity is involved in money laundering and gambling organized crimes, to talk to the FTC XXXX XXXX the scammer. The so-called XXXX agent XXXX part of the network of scammers and transferred me to this so-called FTC agent on an alleged secured line. They managed to get access to my network, my social security number, DL and all my personal information. The two accounts that I had one with XXXX XXXX ( {$800.00} ) and the other with USAA ( {$2100.00} ) was wiped out total amount of {$2900.00}, in the form of gift cards and ATM withdrawals. XXXX XXXX refunded my money, but USAA is refusing and being contemptuous. This incident is documented it was reported to the FBI, the FTC, the social security administration, the local police ( XXXX XXXX MD ), and the various credit bureaus. Any help to get my money back will be greatly appreciated, it has been frustrating and very stressful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: NC

Complaint narrative:
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. There are UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXX XX/XX/scrub>XXXX XXXX XXXXXX/XX/year>, XXXX XX/XX/year> ). I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 


2. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 


XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it 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
Consumer complaint received 2024-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
I was sent a refund from PayPal to credit karma on the XXXX of XXXX and today is XX/XX/XXXX and I still havent received my refund!!! I have called both companies MULTIPLE times and I get nowhere with them except being told to contact the other company I have asked for the transaction to be cancelled and still nothing!!!! I want my money back in my PayPal account ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-05-06 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: FL

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity.

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 2024-05-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity.

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