vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I am have a mortgage with PHH and have been given the absolute run around about a modification that should have been completed already. PHH switched agreements without consenting me the first modification that was presented to me was sent to me and I had to notarize it and sent it back ON time. I paid XXXX dollars to have it notarized, only for PHH to change the agreement without informing me, and the only way I found out about a new modification was by me calling them to inquire about the other partial payment modification that I had previously submitted. Now I have been calling and the new modification have still not been updated. And I previously only owed XXXX XXXX now I owe XXXX XXXX dollars on my home. I feel like PHH is ripping me off to gain a profit off of me. I had no choice but to sign this new modification because PHH waited for the time to run out on the previous agreement so that they could tack on all kind of fees to this new agreement. Knowing that I dont want to loose my house. PHH is not concerned about clients but most concerned about stealing the clients property and money. I have lived here over 30 years and yet I owe more then I purchased this house for. Its truly sad how these companies get rich off of schemes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: TX

Complaint narrative:
Flagship Credit Acceptance has lost/stolen two payments and charges late fees. They make collection calls at XXXX XXXX. and XXXX XXXX.. They even make calls at XXXX XXXX and when I call back the machine says they are closed and to call back during working hours. 

I talked to a supervisor today at XXXX XXXX mountain time XX/XX/2022. The checks have been sent via bill pay they are check numbers XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I wrote LVNV Funding/ Resurgent Capital Services in XX/XX/XXXX, to have this debt verified or validated. In my letter I stated the document I needed per the law, to validate or verify the debt. I received a letter from LVNV Funding/ Resurgent Capital Services dated XX/XX/XXXX, stating the debt was valid and attached my one bill. No other supporting document was sent. The original contract etc. After 30 days of no other supporting documentation to validate or verify the debt, I sent another letter on XX/XX/XXXX stating that per the Fair Credit Reporting Act Law, since they have not sent any documentation to validate or verify the debt, they must request for deletion from all credit bureaus .I never received a response from the second letter. I then wrote a letter to all three credit bureaus date XX/XX/XXXX, demanding they remove from the credit reports because the debt was not validated or verified and I attached all correspondences from LVNV Funding/ Resurgent Capital Services and myself. As of today, XX/XX/XXXX, I still haven't received any documentation to verify or validate this debt from XXXX XXXX XXXX and they refuses to remove from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the equifax data breach and may have got in the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
On XX/XX/2021 I tried to transfer money from my XXXX account to my Wells Fargo account. For some reason the XXXX account did not link up with my bank account, Wells Fargo. So, I called the XXXX Customer Service line, which I found online. 

A man with a foreign accent, which I thought was a call center ( which made sense to me ), asked me for some information on my account. Then, he said he could help me transfer the money. I did as he asked. He said I needed to access my Wells Fargo account so that he could link up the XXXX account. He directed me to enter Server Codes into a XXXX transaction. He gave me the name and the code. At first, I was suspicious, but he said that I was not transferring money, I was merely helping him connect the two accounts, Wells Fargo with XXXX. 

The first attempt he informed me did not work. So we repeated the process several times. He spoke very fast and instructed me step by step to follow his instructions. But I suddenly became very suspicious. So, I asked him to wait a moment. 

Thats when I looked at the balance of my Wells Fargo account, just to check ( I was feeling something might be wrong ), and sure enough he had manipulated me to transfer him money NOT server codes. At that moment when I told him of my balance he hung up. I tried to call him back but the line would not pick up. I tried over and over again but nothing. I was panicking! I has just been manipulated to transfer {$2900.00} out of my account! 

I immediately called Wells Fargo to inform them what happened and they said they would look into it. They did say it did appear it was a case of fraud because I did not knowingly transfer money through XXXX but, rather, server codes. Wells Fargo assured me they would look into it and that they would very likely refund me my money. 

I also called the police department in my town. They sent an officer to my house and I filed a complaint. I have a copy of it, if you need it. 

Today I got a letter in the mail informing me that Wells Fargo will not refund me the money! 

Please, please help me. I am a XXXX and I am XXXX XXXX XXXX. This money that was stolen from me accounts for more than half my savings!!!

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 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax removed my mortgage name XXXX XXXX  XXXX Mortgage account number is XXXX from my credit report by mistake need to be added back on, and refuse to correct the spelling of my name. See copy of my mortgage statement and Driving License to update my informations. 

CREDIT REPORT/myEQUIFAX saying about my mortgage account : Mortgage Accounts Report Date : XX/XX/2022 Mortgage accounts are real estate loans that require payment on a monthly basis until the loan is paid off. 
You currently do not have a Mortgage Account. 

If you have had one in the past that you paid on as agreed, but have since closed or paid off, it stays on your credit report for up to 10 years since the last activity date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I went to the Capital One XXXX in XXXX Washington DC, and was told I was signing up for a secured credit card, and that I would be able to deposit money into account to use as collateral. I was planning on depositing {$1000.00}, but I was lied to. They signed me up for a credit card that was unsecured with a {$300.00} limit and {$40.00} annual fee. I tried closing but they kept forwarding my call to another department. I spent an hour and 15 minutes and didn't get anything. I then asked to get a secured card, and they rejected my application. Is this legal?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-13 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: OH

Complaint narrative:
My office was closed most of XXXX and XXXX due to Covid-19. Because of this, I was not able to work. I was working in the financial services industry, which relied on in-person meetings with business owners and their employees. I was forced to quit in XXXX because they took my salary away. I contacted XXXX XXXXXXXX XXXX, XXXX, and XXXX to let them know that I was affected by the pandemic and would not meet my obligations in XXXX. I asked if I could skip the XXXX payment, which I would catch up on in XXXX when I received my income tax return. But because these accounts were closed by me due to financial hardship, they would not allow me to do so and reported it to all three credit bureaus. The Cares act protects consumers and requires furnishers who call with a Coronavirus complaint to note current accounts. I was discriminated against because I faithfully paid what I owed to the credit card companies. Before XXXX of XXXX, I had never had a delinquent payment in my XXXXyear credit history. Instead of allowing this money to get charged off, I agreed to pay them because it was the right thing to do. Because of these four past due payments, my credit score has dropped over XXXX points. I will not be able to buy a house or a car. In addition to calling the credit bureaus, I wrote goodwill letters to no avail. I disputed the reports to all credit reporting agencies, also to no avail. 
I am a single parent whose ex-husband is a convicted fleeing felon, whom I have had no contact with since XX/XX/XXXX. I have two children. My daughter has XXXX, in which she continues to have multiple follow-up appointments out of state. My son has XXXX, which he was XXXX  for when I had the first financial hardship. I do not get XXXX XXXXXXXX and have no family to help me. I used credit cards to help me take care of my children. 
I would like for these credit bureaus to remove all four delinquent payments from these three banking institutions. Please help!

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 2022-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: MN

Complaint narrative:
I made a principle-only payment on/around XX/XX/XXXX via the Regions XXXX website and indicated that the entire {$2700.00} of my payment was " Additional Principal. ( There is a space to enter the 'Additional Payment ' amount on the payment screen - I entered {$2700.00} and left all other fields blank ). 

On/around XX/XX/XXXX Regions Bank reversed this principle-only payment as a 'misapplication reversal ' and applied it to my account as my XX/XX/XXXX payment- this was done without my consent. I am enrolled in Regions automatic payment program, so when my XX/XX/XXXX ACH payment debited it was applied as my XX/XX/XXXX payment. 

In speaking with a call center agent ( XXXX? ) on XX/XX/XXXX, I learned that although Regions Bank was given clear instructions about how to apply my XX/XX/XXXX online payment, they apparently have an existing company process that looks at principle-only payments made towards the end of each month and automatically reserve those and apply them in a manner not directed by the customer. 

While I recognize the possible likelihood that this step is being taken by Regions Bank with positive intent to proactively correcting a customer potential payment entry error, they are taking this reversal action without the consent or timely notification of the customer. I ask that Regions Bank cease this practice immediately and that all future payments be applied as directed by the customer.

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 2022-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
On XX/XX/XXXX I had a balance of XXXX in my chase checking account in XXXX NM. I paid the XXXX XXXX XXXX using my debit card made a debit card purchase at XXXX XXXX of XXXX and a purchase at XXXX of XXXX. I checked my balance on my app 2 days later. My balance was negative - XXXX. I believe chase bank intentionally processed my withdrawals and credits to cause this overdraft. Please investigate. I have another account at another institution and I will close this account out in XX/XX/XXXX and pay chase anything I still owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: TN

Complaint narrative:
I have been notified by XXXX that my mortgage company, Guaranteed Rate, failed to pay my home owners insurance premium expenses from my escrow account. The payment was due on XX/XX/2021 with a grace period up to XX/XX/2021. The mortgage company didnt disburse the funds until XX/XX/2021. XXXX didnt receive the payment until XX/XX/2021. 
I am now without homeowners insurance. The mortgage company has not offered to remedy this situation in any way, except add lender 's insurance to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: VELO LAW OFFICE
State: MI

Complaint narrative:
In XX/XX/XXXX I recieved a letter from my local court house about a credit card debt. I know I owe it, but being on XXXX something happened and I just couldnt pay it at the moment. I sent a letter using proper legal information stating that My income being Social Security XXXX was protected by law against collections such as your as well as Judgments. I sent that certified mail, I never recieved a response or notice of a upcoming court date. 

Today i recieved a document stating they are requesting a judgement against me. I am fairly certain that after the certified letter I sent requesting that they stop all collections immediately ; by law they have to. 

The date claims it was XXXX, the date the judgement was filed was XX/XX/XXXX, In the amount of {$880.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have got in the hands of the wrong person.

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 2022-01-13 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: The Outsource Group, Inc
State: AZ

Complaint narrative:
I contacted XXXX about credit reporting for XXXX of XXXX showing inaccurately. I requested an investigation XX/XX/XXXX. I was notified today there were late payments in XXXX that were inaccurately reported those would be removed. However XX/XX/XXXX would not. This loan should have been in forbearance at the time the late was reported. I requested documentation for the forbearance and was sent another borrowers information which was a violation of privacy. I did dispose of those documents due to them not being mine. I had a situation like this before and when I disputed it was removed from my credit because the info was inaccurate. This is causing a strain on my credit and should not be there. I have tried numerous times to get this info corrected with no resolution. 

Medicredit inaccurately is reporting a debt that was covered by insurance. I also have never signed a contract with this company and believe they violating HIPAA laws. 

XXXX is inaccurately reporting a debt I received a bill for {$530.00} XXXX disputed it with the credit bureaus and then got notification from the credit bureaus the debt was updated to {$2100.00}. I asked what is this about and they are staying the insurance company reverse a payment. I called the insurance company and they stated this is incorrect and they have no record of this. I have attached the initial bill that I have been fighting to have removed. The debt is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One is allowing a restaurant in XXXX, XXXX to charge me {$2700.00} USD for a transaction that was supposed to be in XXXX ( Pesos ), which would have roughly been {$130.00}. This restaurant ( XXXX XXXX ) also attempted to charge me {$4700.00} USD the same night. Additionally, XXXX XXXX attempted to charge my cousin over {$10000.00} USD on his credit cards and his company XXXX XXXX XXXX ) rightfully denied the charges. The restaurant does not have a signed receipt from me and never provided me an invoice or receipt. The restaurant in XXXX has many reviews stating they overcharge and double charge people. Capital One is refusing to address my concern and reimburse me the money that was fraudulently taken from me. Capital One is telling me I have to resolve the issue with the restaurant ( which is in a foreign country and has not responded to any of my attempts to contact them ). This is unacceptable that an American company is allowing a restaurant in a foreign company to steal thousands of dollars from an American citizen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Someone opened a checking account with my social security number at Citizens Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A friend contacted me by XXXX and then by XXXX she said she needed some money to pay some stuff I believed her because we were really close at school she told me to sent the money by XXXX to this person and I did it just like she said, then she asked me for more and more again until I gave her all my savings she said she was gon na give it back but then the time passed and I had bills to pay I ended up giving her XXXX dollars and when I needed the money back I tried to call the number and no one ever replied then I contacted her sister who told me that my friends account was hacked and the person that asked me for money wasn't my friend. 
I talked to the bank but they weren't able to get my money back.

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 2022-01-13 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:
The creditor is listed as XXXX account number ( XXXX ) is account is listed as charged off as of XX/XX/2017 for $ XXXX.This account is due to fraud and as already been removed one bureau its reporting on the other two despite sending multiple dispute with credible evidence sent.

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 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Have been trying to unfreeze my credit report at Equifax for 3 days on XX/XX/22 and XX/XX/22, and every time I log in and try to unfreeze my credit, I get the following message : We are temporarily unable to complete this request. 
Please try again later. 

Equifax has apparently a terrible reputation for this site being down already. I would like to add my complaint to this large pile.

Company response to consumer: Closed with explanation