vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-14 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XXXX, I'm writing to obtain information concerning unauthorized credit card transactions. I have one credit card & 3 debit cards. All of these financial vehicles have been compromised on multiple occurrences since XX/XX/2021. 

I have reported the fraudulent transactions to the respective financial institution. Each has closed the account, investigated the transactions and issued new cards to me. However, the fraud continues. 

Recently, I've received three replacement credit cards ( from the same institution ) over the last 3 weeks due to systemic fraud charges. My credit card company reports they can't identify the culprit. I've contacted the 3 credit reporting bureaus ; thankfully there is not evidence of identity theft ( new credit accounts ). 

Finally, I've scrubbed our electronic footprint ( computers, etc with antivirus scans ). 
I'm hopeful you can provide guidance on any steps I can take to stop the unauthorized fraud charges. 

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 2021-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX On XXXX, 2021 I received a cashapp card in the mail with my name. I do not have or use cashapp. I have been a recent identity theft victim with unemployment dept and someone tried to open a bank account at XXXX XXXX with my info. I was able to report those incidents but I can not get help with this cashapp card. I called cashapp repeatedly and tried the website and can not reach anyone to report that someone stole my info and used it with their company. It should be a law for cashapp to have a customer support department that answers the phone to assist with important incidents like this. I am reporting this to cfpb because I am unable to reach cashapp to report it. In the meantime, this fraudster is getting away with stealing money under my information and I can do nothing to stop it or close whatever account they opened with my information since I can not reach the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
At the onset of the pandemic, Specialized Loan Servicing offered a forbearance of 3 months to me because I was experiencing a financial hardship. I am a first responder in XXXX XXXX XXXX, Ca and found myself in the midst of riots and civil unrest which left my children to be cared for my childcare providers. XXXX closed and my children were left home. I incurred additional tutoring costs, living expenses and child care costs. At the end of the 3 months, I completed an application for mortgage assistance with SLS. I was seeking a deferral or repayment plan. The lender assured me they would work with me. I was denied all the programs with exception of a short sale. Nothing that allowed me to keep my home. I was forced to request an additional forbearance which was grated. I again completed a request for assistance and was denied all options except short sale The last denial was dated XXXX. With no options offered to me, I again requested an extension of the forbearance in the hopes of obtaining a personal loan or other means to bring my account current. My forbearance ends on XXXX and my total amount due is {$22000.00}. I have completed the request for mortgage assistance packet again and submitted it to the lender but I'm not optimistic of the outcome. I feel this company has taken advantage of the situation and me. I have equity in my home and I feel they are trying to force me into foreclosure or short sale. All I need is the payments to be deferred to the end of the loan. I was hospitalized in XXXX of 2021 with XXXX XXXX and XXXX due to XXXX I was off work for over a month, resulting in loss of pay. I contracted the XXXX while serving the public of XXXX XXXX XXXX. I have provided all this documentation to SLS, along with a pleading letter. Im turning to your agency for 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 explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
We have been attempting to come out of forebearance and to get our loan modification closed for more than 9 months. We have been ready for this long if not longer to start making payments but have repeated told not to until the modification process has been completed. It's been approved 3x and after filing my first complaint we got a response from them and the same day they responded to the complaint the modification documents were sent out. Now that they FINALLY sent out loan modification documents to us we returned those to them immediately. They were confirmed delivered to Freedom Mortgage on XX/XX/XXXX and signed for. Since they received the documents back I have received SEVEN separate phone calls asking if we have received and return these documents. The most recent call was on XXXX XX/XX/XXXX and I again explained all of this to them. This rep put me on told for XXXX minutes while she " researched '' our account. She came back to the line and said confirmed that they documents were received as I stated on XX/XX/XXXX and that she located the individual that signed for the documents. She guaranteed me that they will be imaged into our account, reviewed and recorded with the county Register of Deeds. However... still no updates and the documents have not been recorded. We are exhausted by this process and beyond frustrated.

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 2021-12-14 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: VA

Complaint narrative:
Hi whats going on? My name XXXX XXXX and my SSN is XXXX l and I sent a letter which is dated on XX/XX/2021 to reinvestigate some inaccurate and misleading information on my report but its been over three months now I still havent got any response from your agency. According to the FCRA your organization is suppose to provide reponse within 30 days but its seems youre taking things lightly. I've done my research and I know my rights as a consumer. You guys seem to be ignoring my letters probably thinking that i dont know anything about the law but if you continue to ignore my message i will hire a consumer rights attorney to deal with you. I will be waiting for your positive response in this matter. Thank 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 2021-12-14 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: TX

Complaint narrative:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the XXXX  you caused me. My information was also affected by the XXXX AND THE XXXX data breach and may have gotten 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 non-monetary relief
Consumer complaint received 2021-12-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX data breach and may have gotten 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 2021-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX we became aware that we were paying for two homeowners policies for our property located at XXXX XXXX XXXX XXXX. XXXX CA XXXX. Our broker failed to cancel a policy with XXXX when we switched carriers to XXXX XXXX XXXX. On XX/XX/XXXX the XXXX policy was terminated and the broker notified our lender at the time which was XXXX. At the same time this was happening, XXXX sold our mortgage to PHH Mortgage Services. We contacted them immediately but they said they needed time to get our loan loaded into their system so we contacted them again in XXXX. At that time we were assured that they would perform an audit immediately on our loan and make sure we were only paying a single carrier, reduce our loan payment to only include the XXXX XXXX payment and then refund us the amount we had overpaid for the past year. That never happened so we called again and got the same assurances. Now it is XXXX and we called again and spoke to four different agents named XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) and XXXX. None of these people could address our concerns and while XXXX said they would audit our account, they could not refund us what was owed without a new process being started in another department. We've spent hours on this now and still are paying for two insurance policies when only one is covering the property. Nobody at PHH Mortgage was able to help and we want our overpayment refunded to us now.

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 2021-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
Contacted First point collection { XXXX } in spring of 2018, about them reporting on my credit file, stating that i owed {$100.00}, I told them that someone is using my information for medical bills. I have no idea of owing anything to XXXX. they refused to remove this from my credit report. I have gotten this off of my XXXX and XXXX report. 


I contacted XXXX XXXX XXXX in the spring of 2018 about fraudulent charge on my credit report stating that i did not have any knowledge of what this is from, i also told them this was not my bill to pay, that my wallet was stolen prior to 2018. I tried to contact the original creditor XXXX blue ridge about this bill owing {$100.00}. and never gotten any calls back or emails. I also have gotten this off my XXXX and XXXX report. 

there is also a statement in my credit file stating that i had fraudulent activity. and my wallet had been stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: VA

Complaint narrative:
Hi whats going on? My name XXXX XXXX and my SSN is XXXX l and I sent a letter which is dated on XX/XX/2021 to reinvestigate some inaccurate and misleading information on my report but its been over three months now I still havent got any response from your agency. According to the FCRA your organization is suppose to provide reponse within 30 days but its seems youre taking things lightly. I've done my research and I know my rights as a consumer. You guys seem to be ignoring my letters probably thinking that i dont know anything about the law but if you continue to ignore my message i will hire a consumer rights attorney to deal with you. I will be waiting for your positive response in this matter. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Select portfolio, XXXXXXXX XXXX, and their legal team are in a world of trouble. An investigation its on the way surrounding public corruption by the XXXX XXXX XXXX Florida ( DOJ ). On XX/XX/XXXX, my legal counsel filed motion for summary judgment against the bank. We argued in ur motion that the bank failed to pay the required intangible & stamps on the loan modification containing ( new money ) and therefore are barred by Fla. Stat. 201.08 ( 1 ) ( b ), 199.282 ( 4 ), from having any enforceability in any court room in this state. Select portfolio did the unthinkable and recorded the instrument illegally on XX/XX/XXXX. XXXX ( Recorder ) will not accept loan modification that are not notarized. XXXX requires the original document for filling. The instrument reveals it was not notarized therefore can not be original but a copy. You have engaged in corruption with the XXXX XXXX which warrants a CRIMINAL INVESTIGATION INTO YOUR ORGANIZATION BY THE DOJ. " No good deed goes unpunished '' don't ever forget that. Whom ever participated may face criminal indictments that includes your lawyer. 

Your lawyer should also know that they opened a can of worms. A mortgage fraud investigator has reveal to the DOJ and the Florida Department of Revenue that billions are owed in intangible & stamps on loan modifications containing ( new Money ) that were never recorded which means that states across the United States are losing millions since XXXX by these financial institutions. he just made a bid to the DOJ to pay a visit with regulators at your places of business and review loan medications since XXXX and forward. Among the list : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, Select Portfolio and others. 

XXXX executives, I am speaking directly at you ... .and you should know that the mortgage fraud investigator who revealed the unlawful recording of the instrument in this case, is the same investigator that was involves in the case of XXXX XXXX XXXX XXXX XXXX XXXX which you lost to the XXXX XXXX court of appeals case no. XXXX. He is fully aware that you refiled the foreclosure action. He is going to reveal how you engaged in a forgery.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I inadvertantly made an overlimit charge on my XXXX XXXX card, credit card for repairs that exceeded my original knowedge of cost. I did need repairs. I didn't realize until an e-mail yesterday from XXXX XXXX card. I have been trying to contact them by website ( ID and password no longer working ) and phone, at least 5 times if not more starting yesterday. The autosystem goes on asking questions, but when I get to the point of asking for a credit limit increase, so I can pay over 6 months as their plan is, the auto service says they are closed, everytime, please call back when we are open. I have called between XXXX CST and XXXX CST. Their website indicates they are open at XXXX XXXX EST. 
I need help contacting them. I am willing and able to pay many times over, but prefer their e-mailed suggestion of higher credit limit. I have cards up to {$10000.00} limit, so this should be no problem to get an increase. Please help asap. PS I am still figuring out my new I phones voice mail so e-mail works best : XXXX. The XXXX XXXX is " handled '' by Citibank. 

I even tried calling the dealership to get a different phone number today, but was given a voice mail. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN 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 2021-12-14 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: IL

Complaint narrative:
Validate it or prove it. The bankruptcy court doesn't disclose information with the Bureaus and these bankruptcies don't show in XXXX system. I included a letter from the bankruptcy court saying they don't disclose information with the Bureaus and I also included documentation from XXXX saying these Bankruptcies aren't reporting in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: ID

Complaint narrative:
I received a notice in the mail from the municipal bureau services in New York about a ticket that I received while I was still a minor and its about {$30.00} less than what the original ticket stated. They told me that my drivers license would be suspended if I didnt pay this off but it doesnt show up on my credit report. I already paid 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 2021-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: GA

Complaint narrative:
Mrs BPO keeps adding the account to my credit report, however, I have never received notification of the debt or my rights as a consumer in writing. I have disputed with the bureaus and XXXX has removed. XXXX XXXX XXXX have not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
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 DELET ARE LISTED IN THE REPORT. 
I AM A VICITIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISION AND I ALSO HAVE A ENCLOSED COPIES OF THE FEDERAL TRADE COMMSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THESE 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 2021-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Someone opened a Navy Federal Credit Union account that I did not authorize

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AXOS FINANCIAL, INC.
State: IL

Complaint narrative:
I locked myself out of my online banking portal for my Axos Bank business account. 

I have 4 checking accounts under this login and I have called into the call center to get my account unlocked. 

During the unlock process I'm being asked a series of questions by call center reps that are incredibly invasive and all personally identifiable data. 

This is more than enough information to steal my identity. What protections do I have that this person isn't going to try to go open accounts in my name with this information? 

Also, once I provided these details I was denied access to my account. 

I had to send an unencrypted email with a photo I've been asked, all over the phone by a call center employee : My full name My account password My debit card number My birthday My mother 's maiden name My social security number My primary email address Multiple choice questions for the following : Which street have you lived on How long have you been associated with this address What city is Willow St in What color is your Honda Civic In which county have you lived What state I lived in in 1987 Which of the following people do you know

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/XXXX, I ordered furniture from XXXX XXXX. Of the total furniture ordered I only received 2 chairs. The total for the two chairs was {$660.00}. In XX/XX/XXXX, with the authorization from XXXXXXXX XXXX the chairs were returned because the rest of the order was back ordered and they could not complete the order. My credit card was initially charged {$1000.00} which included two charges {$320.00} and {$76.00} which were disputed and I have a letter saying I was not responsible for these charges. With regards to the {$660.00}, I returned the chairs and continued to be charged for the chairs. In addition, on XX/XX/XXXX I was charged {$1000.00} as a finance charge adjustment and in XX/XX/XXXX. My statements show that interest charged in XXXX totals {$1000.00}. How can interest charged be more than the actual purchase of {$660.00}? I have tried to resolve this situation with Capital One as well as XXXX XXXX  and I have been unsuccessful. 
This is ruining my credit and I need a solution

Company response to consumer: Closed with monetary relief