vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
I have been notified that PHH Mortgage Services reported to the Credit bureaus that I am in default. This has a negative impact on my credit report. I have currently made XXXX of XXXX payments on my trial period plan. This would allow me to modify the loan. Please note that this is my XXXX trial period for this loan due to an error on behalf of PHH Mortgage services. ( See previous complaints filed for this loan ) There has been a total of XXXX payments made... XXXX for the XXXX trial period and XXXX for the XXXX trial period. 

My understanding is that under the CARES Act... lenders are required to report accounts as current.

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 2022-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: ACIMA CREDIT, LLC
State: LA

Complaint narrative:
Purchase a necklace through lease ( XXXX ) option ACIMA leasing on XXXX. Making payments on regular payments. However this last month of my contract. I contracted XXXX and asked Acima for some relief, because I had to shelter in place for XXXX days, I spoke with rep, she stated she would note my situation on my account. They wouldn't contact me for XXXX days. However I received a barrage of phone calls everyday twice a day even on Saturday & Sunday. Harassments to the fullest, I asked the operator was their notes on my account, that I had already spoke with rep about my condition. She stated yes, but company policy was however was keep up pressure calling client until they submit or return necklace.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

TRANUNION received this complaint on XX/XX/2022 and didn't complete their investigation until XX/XX/2022 and according to the Fair credit reporting act if the investigation takes longer than 30 days the disputed information must be removed from my credit 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 2022-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
My son was online on XXXX at XXXX on XX/XX/2022, a chat/gaming site, buying avatar items through his own Chase bank account. He was using his debit card. Someone got on and said he was the XXXX of XXXX and that they needed his banking information. My son gave it to them. ( He has XXXX  XXXX and didn't realize not to do this ). My son 's name is also on my account for emergency situations. Within minutes, this person on XXXX had accessed my son 's account and through that, accessed my account. My son had {$270.00} in his account and I had {$3.00}, XXXX in my account. Within minutes, this person accessed ALL of the money. This person withdrew from my account and transferred it to my son 's account, then proceeded to withdraw in {$500.00} increments through XXXX. When my son saw what was happening, he immediately froze the transactions and transferred what was left of the total back to my account. This was {$2.00}, XXXX. I had no idea what was happening until we both went to the bank that morning at XXXX on XX/XX/2022. By the time we got to the bank this person had stolen my son 's identity and changed his address to Mississippi. We and a bank representative were on SPEAKER phone for XXXX XXXX hours with the identity theft department , fraud department and customer service department. My bank will not help us and kept charging insufficient funds for electronic bills that came through. All I want is to get the money that is owed me. I am an innocent bystander in all of this. They owe me {$1000.00}. Please help me. They are accusing my son and I of creating this other person and stealing our own money. That did not happen. My son was not aware that giving his information would create this mess. He knows now and no longer has a bank account and his name is no longer on my account. I also filed a police report. I have had no money for XXXX weeks due to this, except for cash friends have given me for gas and groceries. Please help me. THIS IS FRAUD and the CHASE bank employees in XXXX, Colorado know it and have been trying to help to no avail. I have not used my checking account since XX/XX/2022. The only activity is automatic withdrawals for electronic bill payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I APPLIED FOR A LOAN WITH FORTIVA FOR A XXXX XXXX. I CHANGED MY MIND. XXXX XXXX STILL TOOK THE MONEY AND DID NOT RENDER THE SERVICE. NOW FORTIVA IS REPORTING ME TO THE CREDIT BUREAU FOR NOT PAYING. XXXX XXXX REFUSES TO GIVE THE MONEY BACK TO FORTIVA. IM NOT RESPONSIBLE. XXXX XXXX  IS A THIEF AND THEY ARE KEEPING THE MONEY AND WANTING ME TO PAY FOR A PRECEDURE THAT THEY DID NOT PERFORM. I HAVE DISPUTED THIS MULTIPLE TIMES WITH XXXX. THE OUTCOME HAS ALWAYS BEEN NEGATIVE. I CAN NOT AFFORD A LAWYER.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: IL

Complaint narrative:
I feel like I'm being taken advantage of being ignored of my disputes. It is clearly stated on XXXX that failure to examine an item within 30 days is cause to instantly remove it off my credit report. Since it has been over 60 days, these entries should be deleted immediately. I demand that these accounts be deleted immediately, or I will sue you for the XXXX  you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My mother-in-law added me as an authorized user to her XXXX credit card account at least 25 years ago. She passed away on XX/XX/2022. XXXX has removed her name from the account and has placed the account in my name. I NEVER signed up for credit with XXXX and have not used this account and am not responsible for the balance that remained after her passing. They have placed a negative comment on my credit report. I have discussed this with them 4 times now by phone and they continue to report it incorrectly and are attempting to collect from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: IN

Complaint narrative:
My name is XXXX XXXX. I am reaching out with respect to the PLSF waiver. Prior to XX/XX/XXXX, I was making payments to XXXX. I was never eligible for PLSF because my loans were not the correct type of loans, despite working in XXXX XXXX as a XXXX  at a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX I applied to consolidate my loans ( as suggested by the government to be eligible for the PLSF waiver ). My loans were consolidated. I applied for Employment Certification in XXXX as well. In XX/XX/XXXX my counts were finally updated. I have approximately 92/120 payments. However, this was not correct as my belief was that I was well over 120 payments. I did some more digging and learned that the Government put me on School Deferment from XXXX and did not inform me ( I started a XXXX XXXX XXXX ). I continued making payments during that time ( therefore, over 60 payments ), all on time and full amount and I have documentation. During this time ( and still today ), XXXX XXXX XXXX XXXX XXXX My payments were over $ XXXX/month. I continued to do some more research and submitted a back dated form to waive the School Deferment for that period of time. It was accepted but only effective starting XX/XX/XXXX. I contacted and complained through the FSA portal. I finally received notification yesterday ( XX/XX/XXXX ) that they are closing my complaint. They are stating that the PLSF waiver can not be applied to school deferment periods and my waiver can not be applied prior to consolidation in XX/XX/XXXX. This makes no sense to me. I did my due diligence and paid on my loans. I did not default once. I have been working at an eligible institution since XXXX and have paid well over 120 payments, these are all the requirements of the PLSF temporary waiver. However, I am being denied because I did not apply to waive a school deferment that I was not aware of that the Government put me in. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
1 ) initial payment, paid on time, was sent back to bank. 
2 ) credit card company initially said bank requested money 3 bank denies this. 
3 ) now credit card company CAN NOT explain why they did this. 
4 ) credit card company did not notify me. 
5 ) next billing cycle they charged a late fee. 
6 ) the next day they sent me a notice of rejecting a complaint, for a lessor amount, that was not part my initial complaint. 
8 ) they insist on me waiting for 90 days to resolve this. In the meantime, they are going to continue charge a late fee. 
7 ) the decision seems to be at their discretion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
This morning on XX/XX/22 I received an email and notification from the Chase app that a request to change my phone information had gone through. I did not make this change or request. I called Chase to tell them that I did not make the change and they said the only way this could happen is if " I had gotten a new phone, changed my phone number, or changed my phone provider service. '' I did not do any of those things, I've had the same phone number for years and this didn't raise a red flag to the man I spoke with. He said " well, that's the only way it could happen '', and changed my phone number on the account. I then received another email that my password had been changed, and another email saying that a phone number or email was deleted from my account. I logged in to check, and the primary phone number and email address had been changed from my Chase account. Both a number and email I did not recognize or ever open/create.

I called Chase again and this woman was very helpful. I wish I had her name. She gave me a secure password to change my password on my account and I did. Then she removed the unrecognized number and email and changed the account to have my correct email and phone number. I'm glad she was able to help me but the fact that this even happened is insane. I had a very secure bank password and no one should have been able to hack my account and change information. This is a serious problem that I wasn't contacted to be sure these changes were me, and that none of this was a red flag to the man I initially spoke with. He didn't even think or say anything like, well maybe someone hacked your account, let 's look into this further. He just kept saying, this would only possible if you changed your number. Luckily, no money was wire transferred or anything like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: SC

Complaint narrative:
I have recently requested a copy of my credit reports and have noticed some inquiries that I did not authorize. I have reached out to these bureaus and have had no response on these issues. I am having trouble removing fraudulent inquires for, all three bureaus, XXXX, XXXX and Transunion. The inquiries listed are fraudulent and I did not authorize them. I have also placed a fraud report on my previous bank account ( and closed it ) with XXXX XXXX XXXX XXXX XXXX due to, this issue as well as, unauthorized withdrawals. The reporting of these fraudulent inquiries is a violation of my rights and privacy. I need them to be removed immediately. They are causing financial harm to me and my family. 

XXXX Fraudulent Inquiry : - XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX Fraudulent Inquiries : - XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX - XXXX  XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX  XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SC XXXX - XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, NC XXXX - XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX - XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX Transunion XXXX Inquiries : XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Please review and correct as soon as possible. 

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 2022-08-04 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have recently requested a copy of my credit reports and have noticed some inquiries that I did not authorize. I have reached out to these bureaus and have had no response on these issues. I am having trouble removing fraudulent inquires for, all three bureaus, XXXX, Equifax and XXXX. The inquiries listed are fraudulent and I did not authorize them. I have also placed a fraud report on my previous bank account ( and closed it ) with XXXX XXXX XXXX XXXX XXXX due to, this issue as well as, unauthorized withdrawals. The reporting of these fraudulent inquiries is a violation of my rights and privacy. I need them to be removed immediately. They are causing financial harm to me and my family. 

XXXX Fraudulent Inquiry : - XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Equifax Fraudulent Inquiries : - XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX - ALL XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX - XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, NC XXXX - XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX - XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Inquiries : -XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX via XXXX XXXX HL Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Please review and correct as soon as possible.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose The above complaint was sent to Experian on XX/XX/2022 however they didn't complete the investigation until XX/XX/2022 which according to the Fair Credit Reporting act if the investigation takes longer than 30 days the disputed information should be 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 2022-08-04 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XX/XX/XXXX, XXXX  XXXX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: LA

Complaint narrative:
Capital OneXXXX action as a settler of disputes is always unfounded, discriminatory and arbitrary. 
I have a dispute with XXXX XXXX for an amount of {$32.00}. Although XXXX is not raising any issues, Capital One is intentionally and maliciously raising an issue that XXXX XXXX also credited my account. All it takes for Capital One to make such a ridiculous claim is look at my account, but refused to do so and just keep on adding back the disputed amount. 
Heres what transpired : XX/XX/XXXX Placed XXXX items order # XXXX with XXXX totaling {$78.00}. ( Receipt attached ) XX/XX/XXXX Two items were shipped charged my account for {$45.00}. 
XX/XX/XXXX Last item was shipped charged my account for {$32.00}. 
XX/XX/XXXX XXXX all items. A credit receipt ( attached ) was issued for the total amount of {$78.00}. 
XX/XX/XXXX Filed a dispute for {$32.00} and {$45.00}, total of {$78.00}. Received a total credit of {$78.00}. 
XX/XX/XXXX Capital One charged the {$32.00} back to my account maliciously claiming that XXXX already credited my account for said amount. 
XX/XX/XXXX Deducted {$32.00} after I filed another dispute. 
XX/XX/XXXX Added back XXXX. 
Capital One had been doing this arbitrary tactic even in the past. They are engaging in Unfair Trade Practices Act. Unless, I closed my account they will never stop the harassment of adding the disputed amount in my account. 
The {$32.00} that was charged back need to be credited to my account again as XXXX never issued that credit to my account as Capital One maliciously claimed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I feel like I'm being taken advantage of being ignored of my disputes. It is clearly stated on XXXX that failure to examine an item within 30 days is cause to instantly remove it off my credit report. Since it has been over 60 days, these entries should be deleted immediately. I demand that these accounts be deleted immediately, or I will sue you for the stress you have caused me.

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 2022-08-04 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: IL

Complaint narrative:
I feel like I'm being taken advantage of being ignored of my disputes. It is clearly stated on XXXX that failure to examine an item within 30 days is cause to instantly remove it off my credit report. Since it has been over 60 days, these entries should be deleted immediately. I demand that these accounts be deleted immediately, or I will sue you for the stress you have caused me.

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