vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My statement close date on XXXX of my cards is the XXXX of each month. XXXX and XXXX reflects the correct amount as of the statement close date. It's a normal practice that all loans report statement close dates and the amounts to the credit bureaus. 

Experian for some reason is not updating my statement close date. I've called the credit card company and they've said they supplied the information to experian. When i try to dispute the information online, I'm not allowed to do so with experian. I've even called experian and asked what the problem was. They said the card company never supplied the information to them. I asked how so when the other XXXX major bureaus is reporting the same statement close dates. 

The last time the statement was updated was all the way in XXXX. The XXXX statement never was updated with experian because i fell it'll show a significant reduction. That's the reason for the hesitation in applying it to my credit report i believe. I'm not asking for anything special. Just the regular applying what the statement close says on my actual statement for that month. It's almost XXXX and no XXXX update with experian. But XXXX and XXXX  has updated the information.

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 2023-08-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I genuinely believe that PHH Mortgage 's call center representatives have many times provided me with incorrect information, which has led to my current predicament. In 2011, my late mother suffered a XXXX that prevented her from continuing to make mortgage payments. Since then, I've moved in and taken on the responsibility of contributing to the monthly payments. Unfortunately, when the COVID-19 pandemic hit, I lost my job, making it impossible to sustain the payments. 

Having a power of attorney, I began collaborating with PHH Mortgage to secure a modification. This process has extended over two years, involving numerous interactions with the call center and different representatives, each yielding varying answers. There have been instances where I couldn't verify my identity to discuss the modification, necessitating callbacks to rectify the situation. Strangely, another representative would then successfully verify me. 

Although a specific representative was assigned to my case, I've been unable to communicate with them throughout the process. Subsequent calls from or to PHH Mortgage would connect me with different representatives, some of whom seemed unfamiliar with how to proceed with my case. 

I never fathomed that my loan would reach its current dire state. I was genuinely led to believe that a modification was in the works. After submitting requested documents and receiving confirmation of their sufficiency, I later learned from another representative that some documents were still missing. 

I was once informed by a representative that a resolution had been reached and that I would receive a call to discuss the details. Regrettably, that call never materialized. Upon revisiting the matter with another representative, I was disheartened to be informed that no resolution had been established for my case. 

The most devastating revelation came from a company representative who informed me that my loan didn't qualify for a modification from the outset. They shared that the property was moving toward pre-foreclosure. According to them, the sole solution to avoid losing our home is to make a lump-sum payment for the past two years. 

This situation has left me disillusioned, misled, and deeply troubled to face my family. The prospect of returning to work in XXXX offers some hope. As a member of XXXX XXXX, I'll be able to earn sufficient income to bring the mortgage current.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: LA

Complaint narrative:
I noticed multiple credit open and closed accounts, names and addresses that I dont recognize on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I started receiving help notifications about saving my home from foreclosure and didn't understand why. I went to my online account site and it stated I had missed my XX/XX/2023 payment. I quickly called to no avail, telling them I have proof it was paid. I sent verification from bank that it was in fact paid. My account still showed I was behind by one payment. I filed another complaint through the PHH website asking what is the issue now. The Company representative stated that it wasn't the XXXX payment, but the XX/XX/2023 payment. I disagreed once again with him ( PHH Escalation Manager XXXX? ), and sent him proof of XXXX Payment. He assured me he would look into this and get back to me. It's been over a week and I still have had no communication from him. I have sent reminders and sent another complaint through the website. My account is now showing late for XX/XX/2023 on website and nothing has changed. Attempts to contact have led to a person who does not listen and argues with me with every question. I have documentation of their online transactions which make no logical sense with all kinds of transactions stating Misapplied funds etc.

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 2023-08-18 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: EQUIFAX, INC.
State: VA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: TN

Complaint narrative:
I've done a few transactions via transferwise. Second transfer a few months back Wise unfairly held my money and put me through hoops to get it back. This included vigorous identity verifications, horrible customer support and long waiting times. Nothing has been solved yet and my money is still on hold from this mafia.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: FL

Complaint narrative:
Experian, Please see attached - there is incorrect Personal Information on my Experian credit report that needs to be corrected 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 2023-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I received an email regarding policy changes from Truist, however I've never had an account with Truist, BB & T, or Suntrust. I reached out to Truist and was able to verify my social security number, however the address didn't match so the would not release any information pertaining to the account. I have absolutely no clue as to what it is or what type of debt it is.

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 2023-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rozlin Financial Group, Inc.
State: OK

Complaint narrative:
I was given documents that showd i owed {$5000.00} for XXXX  gear ( worth {$100.00} ) from XXXX XXXX that I had just shy of 5 years ago.

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 2023-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/2023, I received a notice from an official at my school, saying that one of my teachers was downsizing and selling her XXXX XXXX XXXX  accessories, one being a XXXX digital camera. I searched the Name, email, and validity of this person on my official school website. Everything checked out, everything was correct. So, I had no choice but to believe it. I texted the number that was provided in the email to receive the item that was listed and was ordered to pay {$200.00} through XXXX XXXX, which is connected to my debit card at Wells Fargo, on XX/XX/2023, and the XXXX digital camera would be shipped out the same day. 
The person then ordered me to pay {$150.00} more, which I didn't have, so I requested a refund of the {$200.00} that was already paid. They agreed to give me a refund and said give them a minute. This is when I knew I wasn't getting my money back. I waited until it posted into my Wells Fargo bank account and called to submit a dispute of {$200.00} on XX/XX/2023. The customer service representative that I talked to at Wells Fargo, one of the first things he said was " I don't want to give you any false hope, but you are not getting your money back. '' He explained that XXXX XXXX is a third party website and I had to go through them in order to file the dispute. Even though I didn't receive the merchandised ( as is one of the options in their dispute reasons ), he assured me I wasn't getting any money so there was no point in following through with the dispute, which I felt was very rude. I then cancelled the dispute at Wells Fargo, because he already told me I couldn't get my money back. 
I then tried going through XXXX XXXX XXXX on XX/XX/2023, because Wells Fargo told me that the purchase was not made through them, but through XXXX XXXX  XXXX XXXX repeated what Wells Fargo told me and it felt like I was going in circles looking for an answer to this scam. I tried re-filing the dispute with Wells Fargo, but they told me since I already filed before and cancelled, I wasn't able to do make a new dispute on the same claim, even though he told me to cancel earlier because I wasn't going to get my money back from the start. I wasn't helped by either Wells Fargo or 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 2023-08-18 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: Chime Financial Inc
State: IL

Complaint narrative:
I was scam by Chime XX/XX/2023 for about of XXXX. I got a called from chime that morning saying someone in Florida was trying to use my checking account they was going to stop the card and make sure nobody use it because they see I'm in XXXX XXXX so the person who called said they sending me some codes to stopped the card and from them taking my money so they start sending code asking what's the codes I told them remind you I trusted them because they called from the chime number so they told me wait to 10 to 15mins as the continue working with me I waited they said your card close another one will be in mailed 7 to 10 business days I get on there to check my card they remove money out my XXXX XXXX to my checking and start purchasing something at the pharmacy at XXXX I had five different purchase two of the amount of XXXX, another two of amount XXXX, also one purchase of XXXX I called chime they put it in investigation they representive said I can see you didn't purchase this because your purchases haven't never been out there I been with them for years now the representive then start the dispute as we doing that someone tried to link my card to a XXXX XXXX she stop all international transactions and block them I then get a email saying they didn't see anything wrong like I made the purchase

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: CA

Complaint narrative:
My Experian Business Credit Report. Shows XXXX or XXXX different addresses. All the information for my business credit profile is inaccurate.

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 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I have tried to log into XXXX XXXX XXXX every week for the last 4 months, but get " Our system is experiencing technical difficulties at the moment. Please try again later. '' Multiple complaints have been put on multiple blogs and the bank 's XXXX and XXXX page. 

Their Customer Service number does not have an answer and the chat option is useless. 

I have 4 credit cards for different stores at this bank and will not use them if I can only pay as a " guest '' and can not log in to verify purchases before paying.

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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, and XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, and XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.

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 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, two withdrawals were made on my Cash App account from the same merchant, XXXX XXXX XXXX XXXX and XXXX XXXX. The first was an ACH in the amount of {$10.00} that was authorized two days prior. The second charge was for {$25.00} that I had not initiated. When I contacted the merchant, they claimed they had no knowledge of the charge and did not find it in their system. They requested a statement which I provided but it did not offer any additional details to aid in their search. The merchant then requested a transaction ID or merchant reference number. I was first told my Cash App support that they did not have access to such numbers. I later received an email with an 8 digit and 7 digit number listed as " trace number '' and " trace number 2 ''. I forwarded these to the merchant, they informed that it was not the correct information. I was under the impression that an ACH trace number was 15 digits. Is that 15 digits each for the sending and receiving bank, or 15 digits total like I received from Cash App? I just need to know if Cash App does in fact have access to the ACH trace number so that the merchant can find my money. Also, is the bank allowed to share a merchant ID number? Is that somewhat like a tax ID number and typically not shared with customers?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: Block, Inc.
State: CA

Complaint narrative:
I made a purchase XX/XX/2023 of {$100.00} at XXXX in XXXX California. I returned the item on XX/XX/XXXX. And I have not received the money back. I have contacted the merchant and Cashapp. The merchant supplied me with a receipt stating the return was made and cashapp doesnt refund the money. I dont know what else to do

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: Byrider Franchising, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XX/XX/XXXX CNAC XXXX XXXX XXXX XXXX, OH XXXX Subject : Request for Removal of Late Payment I hope this letter finds you well. I am writing to discuss an issue regarding a recent late payment that was reported on my account. I kindly request your assistance in removing this late payment from my records. 

I was a loyal customer of CNAC from XX/XX/XXXX - XX/XX/XXXX and have always prided myself on being prompt with my payments. However, due to unforeseen circumstances, I was unable to make the payments for the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX on time. I understand that late payments can have a negative impact on both my credit score and my relationship with your esteemed company. 

I assure you that this late payment is an anomaly and not reflective of my usual financial responsibility. My payment history with your company demonstrates a consistent record of timely payments, and I take great pride in maintaining a good credit standing. I have attached proof of my prompt payment history, including bank statements, to support my claim. 

I recognize the importance of a clean credit history and I genuinely regret any inconvenience caused by this tardy payment. In light of this, I kindly request your consideration in removing these late payments from my credit report. This removal would significantly improve my credit score and restore trust in my financial reliability. 

I commit to ensuring that such a circumstance does not occur again in the future. I have taken measures to avoid similar issues by implementing reminders and setting up automatic payments for my future bills. I valued my relationship with CNAC and would greatly appreciate your understanding and support in rectifying this situation. 

I kindly ask you to review my request and provide a response at your earliest convenience. Should you require any further information or documentation, please do not hesitate to contact me via the details provided above. 

Thank you for your time and consideration. I genuinely hope for a favorable resolution to this matter and look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
Portfolio Recovery Association has entered a lawsuit without validation of debt as requested. I also never signed a legal contract with portfolio recovery Association nor did I give them permission to purchase my account information. Failure to provide me with validation of debt is illegal. The original creditor wrote the debt off and received a tax credit. I have requested a 1099c on multiple occasions as well as validity of the alleged debt and been provided with nothing but a lawsuit.

Company response to consumer: Closed with explanation