vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Last year PHH mortgage changed my Escrow amount 3 times based on false information making me supply the correct information but it took over 4 months for them to correct the amount and I over paid my taxes by XXXX dollar. I am a XXXX citizen and now they have done it again! in XX/XX/2023 my payment was XXXX and in XXXX they raised it to XXXX. They are basing this AGAIN on wrong information. I sent them the correct tax amount, I told them I over paid last year but they will not change the amount online so I can pay. I HAD to overpay my escrow or my payment will be late. CATCH XXXX! And they know it!!! You can ONLY pay the amount shown on your account online or by phone. EVEN when PHH IS WRONG! Is you send a check it never reaches your account and then they distribute the amount of the check they way they choose! So in order to keep my account in good standing, keep my mortgage current, I have to OVERPAY! This is a SCAM!!! ALL the extra money they receive from the consumers whom they do this too, over states their income statements!!! And in the end the county refunds the overpayments to the consumer. But this creates a HARDSHIP for XXXX citizens, such as myself, who do not have the extra income to be over paying anything. NO ONE that you talk to, and i usually get transferred at least 5 times and spend over an hour and a half with their agents, ever actually helps you. Nothing gets corrected and half the time they spend on the phone is " verifying '' who you are just to say they cant help and transfer you on to the next person. It is a FARCE!!!! to try and get any help from anyone at this company. I have seen all the reviews, complaints and it is Sickening that we have to be treated in this manner with a company that was NOT of our choosing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
In XX/XX/2023, you contacted American Express to inquire about increasing your credit limit. After a lengthy conversation, you decided not to go through with the increase due to the complexity of the process. However, 14 days later, American Express sent you the necessary documents to increase your credit limit, which you did not submit. Despite this, American Express still processed the credit limit increase, which resulted in a change to your credit card number and a decrease in your credit limit. 

You are now concerned about several issues : -The new credit card number that you did not request, and whether any charges on this card belong to your old card. 

-The fact that your old card is now unusable, despite American Express stating that it would still work. 

- The unreasonably low credit limit by the fact I never use it. 

If any of this information is incorrect, please let me know and I will be happy to clarify.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: FL

Complaint narrative:
They reporting an account from XXXX and associates which is against the law. They do not have permissible purpose nor do they a court order to be reporting anything to my report. I never done business with them nor do they have any sign applications from me. This is a form of identity theft on their behalf.

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 2023-04-11 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account numbers : # XXXX - XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX # XXXX - XXXX 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 an account without my written instruction

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 2023-04-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
I received a {$600.00} offer in the mail if I opened a new checking and savings account with Citizens Bank. The savings account offer was worth {$300.00} if I made one {$200.00} deposit each month for the next 3 months. When I signed up for the account on XX/XX/XXXX I was told I could make the {$200.00} deposit online when I got home, and that would count as the first of three deposits. I did this and then subsequently made the other deposits in XXXX and XX/XX/XXXX. I did not receive my savings account bonus for a few months and had already received my checking account bonus. I went into the branch multiple times and each time they said it would come the next month. In XXXX, after a few months of stating I was no longer interested in waiting, I filed a complain in-person in the branch stating that I never got my savings account bonus. I was told I would receive an update on the complaint in XXXX weeks. At the end of XXXX, I came into the branch asking for an update on the complaint. I was informed the bank had called me and told me the resolution. I never received a call or letter addressing the complaint. Additionally, the bankers told me they did not have details about the complaint other than that the bonus was properly denied. I asked them to escalate the complaint, at which point they did. In XX/XX/XXXX I received a letter from the Office of the Chairman stating my savings account bonus was declined since I only made 1 deposit in XXXX. This is untrue as XXXX {$200.00} deposits were made and are reflected in my account statements. I was informed through the letter that the first {$200.00} deposit must be made the month after the account was opened, which was contradictory to the information I received when opening the account. I only opened my account because of the bonuses. When I tried to contact the phone number listed on the 2nd complaint 's letter, I never heard a response. I called around 12 times between XX/XX/XXXX when I received the letter until today, XX/XX/XXXX. I left multiple voice messages with my name and contact number but never heard back. Today, I called the bank at their XXXX number and was told they could not do anything to assist me. 
I believe I was misled and deceived when opening my account and believe my complaints were not handled properly as the first I never heard the resolution until I went into the branch and the second I was unable to contact the bank for further questions at the number provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account is in violation by misleading and false reporting on my consumer 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 2023-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was trying to get a pre-approval letter for a car from XXXX XXXX. I confirmed with them twice if this will be a hard pull. They said no, we will do a soft pull and will only send it to the bank for a hard pull if they agree to issue the loan. 
I got hard inquiries checked by like 4 different banks - I was not made aware of this. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Hard Inquiry XXXXXXXX XXXX XXXX - XXXX XXXXXXXX - Hard Inquiry XXXXXXXX XXXX XXXX  - XXXX XXXX, XXXX - Hard Inquiry XX/XX/2023 - XXXXXXXX XXXX - Hard Inquiry XX/XX/2023 - XXXX - Hard Inquiry XX/XX/202XXXX XXXX XXXX XXXX XXXX - Hard Inquiry XX/XX/2023 - XXXX XXXX XXXX - Hard Inquiry XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiry

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 2023-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 non-monetary relief
Consumer complaint received 2023-04-11 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 2023-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I noticed some unauthorized inquiries from the following lenders. 

CREDIT ACCEPT CORPXXXX CAC ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have this information updated 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 explanation
Consumer complaint received 2023-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account numbers : # XXXX - XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX # XXXX - XXXX 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 an account without my written instruction

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 2023-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: CT

Complaint narrative:
I am not liable for any debt with Credence Resource Management and have no contract with them. They did not provide me with the original application like I asked and they repeatedly call before XXXX and after XXXX XXXX and on the weekends.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11 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: CO

Complaint narrative:
On XX/XX/2022, my credit score dropped XXXX XXXX in which I have no reasoning behind this massive drop in score. I have no defaults, no major problems with my credit, and no issues with credit in general and around that time. 

XXXX, Transunion, and XXXX all told me the same thing on the phone when trying to file a dispute and that is that this is a system generated number and there is nothing I can do to fix this problem since the number is generated by an automated system. 

To this day, I still do not see any derogatory marks on my credit that would cause it to drop by XXXX points at that time and it has been really hard to get my score back up to where it was because of such a large drop. I am not sure how to get this fixed since they all told me that they can not do anything to fix it. 

My social security number was found on the dark web about a year or so ago so once I found that out, I froze all of my credit account but it is possible someone could have still used my social for malicious intent. This is the only possible cause of my credit lowering by XXXX points in just a XXXX month period. Other than that, I would like to submit a complaint to all three credit servicers to try and get this resolved.

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 2023-04-11 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On XX/XX/2022, my credit score dropped XXXX points in which I have no reasoning behind this massive drop in score. I have no defaults, no major problems with my credit, and no issues with credit in general and around that time. 

XXXX, XXXX, and Experian all told me the same thing on the phone when trying to file a dispute and that is that this is a system generated number and there is nothing I can do to fix this problem since the number is generated by an automated system. 

To this day, I still do not see any derogatory marks on my credit that would cause it to drop by XXXX points at that time and it has been really hard to get my score back up to where it was because of such a large drop. I am not sure how to get this fixed since they all told me that they can not do anything to fix it. 

My social security number was found on the dark web about a year or so ago so once I found that out, I froze all of my credit account but it is possible someone could have still used my social for malicious intent. This is the only possible cause of my credit lowering by XXXX points in just a one month period. Other than that, I would like to submit a complaint to all three credit servicers to try and get this resolved.

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 2023-04-11 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: NY

Complaint narrative:
I was trying to get a pre-approval letter for a car from XXXX XXXX. I confirmed with them twice if this will be a hard pull. They said no, we will do a soft pull and will only send it to the bank for a hard pull if they agree to issue the loan. 
I got hard inquiries checked by like 4 different banks - I was not made aware of this. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Hard Inquiry XXXX XXXXXXXX XXXX - XXXX XXXXXXXX - Hard Inquiry XXXX XXXXXXXX XXXX - XXXX XXXX, XXXX - Hard Inquiry XX/XX/2023 - XXXXXXXX XXXX  - Hard Inquiry XX/XX/2023 - XXXX - Hard Inquiry XX/XX/202XXXX XXXX XXXX XXXX XXXX  - Hard Inquiry XX/XX/2023 - XXXX XXXX XXXX  - Hard Inquiry XX/XX/2023 - XXXX XXXX XXXX XXXX - Hard Inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have reached out to XXXX XXXX Solutions and requested validation of the debt from XXXX 3 times now. The initial contact was in early XXXX when they called. I also requested the credit bureaus authenticate this debt as I have paid XXXX when i returned the equipment. No debt validation was supplied. I have paid {$130.00} as of XX/XX/XXXX still without debt validation. I would like this to be updated as PIF and removed. I have not received any communications yet they report past due on my credit report which is inaccurate as the debt still has not been validated and I have paid more money to have it removed.

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 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need to delete are listed in in the report. I am a victim of identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity theft Affidavit. Please delete the items 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 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need to delete are listed in in the report. I am a victim of identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity theft Affidavit. Please delete the items 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 2023-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
PHH Mortgage escrow department sent a notice of shortage for XXXX year which would take affect XX/XX/2023. I received a billing statement ( XX/XX/XXXX ) with less than a 48 hour notice that the payment increased payment would be due XX/XX/2023. I paid my normal payment XX/XX/2023 that did not include the increase because of the discrepancy. I sent a notice in writing by email bringing this to their attention. I also sent a written notice by mail advising that I would not be entering into an escrow payment agreement with them and that would be making the payments directly to the insurance company and county to cover my taxes & hazard insurance myself.

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