vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/2022, I was a victim of a phishing email scam. The email came from what looked like XXXX. The email was : XXXX In the email they sent an invoice of {$500.00} I bought in bitcoin. I have never bought bitcoin. So I called the number at XXXX to dispute the transaction. The other person on the line was incredibly professional and convincing. He claimed the charge came from an IP address in Texas. I have no association with Texas. They wanted to verify my IP address by sending money through XXXX. This was to verify my IP address. They assured me the money was going to come to me instantly again from their manager, XXXX XXXX. The XXXX tag was registered as XXXX. I ended up sending 2 transactions to them. One for {$1300.00}, and another for {$1300.00}. The money was taken right away. They hung up and that was it. I rushed to my nearest Wells Fargo bank and explained everything. I filed a complaint and got all new accounts. 

I had filed a complaint here but nothing came out of it. Until today I read about Regulation E. It seems I may have a chance through this Federal law. XXXX scams are becoming rampant as of late. XXXX XXXX has been looking into this issue and asking questions. I ask that you please consider my case again and find another reason as to how I can get a refund. Thank you very much for you time reading this case.

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 2022-11-22 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with CCBXXXX for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to XXXX XXXX. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments 30/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 
The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: MN

Complaint narrative:
Complaints against First National Bank of Omaha is one account the other is a card service that they manage for XXXX XXXX XXXX. I'm not receiving any card statements in the mail in order for me to know all essential information about the account so I can make timely substantial payments. They claim they are not required to send out such statements by mail or via email. I believe this was not in the terms of the contract for card services. They want their fees no exception. I have a credit score of XXXX and I am a successful Sole Proprietor who uses the credit card for business. I believe I am getting stolen from in the form of wire fraud and anything else you can think of

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 2022-11-22 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: MD

Complaint narrative:
I was advised by a Consumer Rights Attorney, These late payments on my account are against the law and I need them removed as soon as possible. 15 u.s. Code 1681a ( 2 ) ( A ) ( i ) states that my consumer report should not contain information regarding transactions or experiences between me and person making report. A LATE PAYMENT IS A TRANSACTION AND A NEGATIVE EXPERIENCE, therefore this account is illegal. THIS IS MY LAST TIME TRYING TO RESOLVE THIS, A LEGAL COMPLAINT WILL BE FILED IF THIS ISN'T FIXED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Payactiv, Inc.
State: CA

Complaint narrative:
I received a letter and debit card for an account that I did not open. I called both PayActiv and XXXX XXXX XXXX XXXX XXXX. PayActiv refused to close the account and XXXX XXXX XXXX XXXX XXXX refused to close the account. I did not open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with SYNCB/TJX for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments 30/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 

The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with 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 non-monetary relief
Consumer complaint received 2022-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
In an ongoing effort to get PHH Mortgage to remove the PMI from our mortgage ( Loan # XXXX ), in XX/XX/2022 we filed a complaint via the CFPB website against PHH Mortgage ( Original Complaint # XXXX ). PHH Mortgage replied on XX/XX/2022, continuing to deny our request. Their response is attached to this new case. 

I have also attached a copy of a revised version of our original complaint document, with RED text inserted so that PHH Mortgage will see point by point where they need to review and address matters previously ignored, and/or where we are providing new and additional evidence in support of our position for their review and consideration. 

This new complaint is being submitted because : PHH Mortgage provided no meaningful response ( if any ) to several arguments/concerns we made in our original complaint. 
The Deed of Trust document has an error. PHH Mortgage provided a copy of the current Deed of Trust document with its XX/XX/XXXX response, to show that the total acreage of the property financed under this mortgage is correctly accounted for in the recent appraisal report. Upon inspection, I have found that this Deed of Trust document has a significant error with respect to the amount of acreage associated with the XXXX XXXX XXXX parcel, as explained in the attached revised complaint. Also explained in our revised complaint is the fact that the recent appraisal report does indeed neglect to account for the existence of or value of a second parcel of property financed under this mortgage. I am attaching multiple documents as evidence that the current Deed of Trust document is in fact incorrect. 
A valuable pole barn exists but its value is being ignored. PHH Mortgages response ignores one of our arguments regarding the pole bard on property. In our original complaint, we allege the current appraisal report fails to account for the existence of or the value of a sizeable pole barn on our property, which has significant value. I am attaching multiple documents as evidence that the current Deed of Trust document is in fact incorrect. 
PHH Mortgage also submitted an important document with hits XX/XX/XXXX response that is fraudulent. We paid for an appraisal as part of this process. PHH Mortgage contracted with a licensed appraiser to evaluate and determine the current market value of our property. In addition to the multiple points of negligence regarding his appraisal report, this appraiser also fraudulently certified in writing that he conducted the appraisal himself, including coming to the property, taking pictures, etc. This did not occur. 
Other arguments/concerns as noted in attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Account : XXXX XXXX - XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account : XXXXXXXX XXXX  Account Number : XXXX XXXX It has been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regard to a late payment. They have not supplied this information and they must delete the alleged late payments on my credit report. Under federal law they had 30 days to complete the investigation and by failing to do so, the item must be deleted from the report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: NV

Complaint narrative:
On XXXX I sent a letter regarding inaccurate things on my credit report. it has now been 30 days and my requests have not followed up with. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 30 days so they should be removed promptly. I demand these accounts be deleted immediately or I will file for litigation do the stress you called me. I was also effected by the XXXX data breach and my information may have fell into the wrong hands.

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 2022-11-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I currently have a XXXX XXXX credit card serviced through Comenity Bank. I was charged a late fee due to their website being unavailable and they refuse to remove it. Over the past 3 months, they have had technical problems with their website. When I attempt to pay my account through their website I receive a message that states : " We're sorry. A technical glitch occurred and your request could not be completed. Please try again. '' Usually, this message only lasts a few hours and I can get into my account and make the payment. This month I received this message from XXXX XXXX XXXX XXXX. I attempted to call the bank on the XXXX and received a message that their offices were closed. I was able to get into the website at XXXX on the XXXX to make the payment but at that point, it was past their XXXX deadline and I received a late payment. I tried to call them on the XXXX and received the message that their office was closed and that I would have to try again later. I attempted to call on the XXXX and spoke to a representative who shared that my account had been closed and he could not give me any more information. I received an email from the company informing me that I had received a late payment fee. When I attempted to call them they said that my account had been closed in 2020 and that they no longer serviced my account, so they would be unable to waive the late fee. When I asked why I was receiving bills from them if they no longer carried my account the representative stated that it was because I had a balance. I explained that I was unable to get on to my account because of a technical glitch and even attempted to log on while on the phone with the representative and was unable due to the same message. She told me that there was nothing that she could do because their website " looked fine to her ''. I offered to share my screen with her to show that I was unable to get in and she said that it was not necessary and that if I wanted to make a payment she would gladly do it for a {$9.00} fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-22 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: MS

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX  WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2022-11-22 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2022-11-22 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with COMENITYBANK/VICTORIA for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments XX/XX/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 

The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: TN

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 XXXX  : # XXXX, XXXX XXXX XXXX  : # XXXX has violated my rights!!! 

16 U.SC 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. 

Also there are discrepancies with BOTH accounts on my credit report being : The date last reported, date opened, creditor names, and and neither of these accounts showing on my equifax. Within my right I can be compensated for these mishaps but prefer these accounts to be removed ASAP.

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 2022-11-22 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: TN

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX has violated my rights!!! 

16 U.SC 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. 

Also there are discrepancies with BOTH accounts on my credit report being : The date last reported, date opened, creditor names, and and neither of these accounts showing on my equifax. Within my right I can be compensated for these mishaps but prefer these accounts to be removed ASAP.

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 2022-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
i have sent in my ftc report social and id and they still refuse to update thier system or verify my identity even after i have supplied proof

Company response to consumer: Closed with explanation