vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
XXXX Mortgage has started to thereaten me with foreclosure of my home. They falsely claim that my mortgage payments have not been made, even though I have validated proof that those payments have been made through automatic withdrawals from my bank account. In my discussions with them over the past several months, they note that their records show payments received in the proper amount in the proper time. 

Lately, I've received letter noting a reversal of funds applied to my mortgage and a request for {$15000.00} payment. Along with the delinquency letter, it shows that my payments that I made starting in XX/XX/2019, were being reversed. 

To date, no one has been able to explain what " reversed '' means to me, and I continue to receive threatening foreclosure letters. The " so-called '' reversals are not credited to my bank account from which they were dispersed. 

I've never been late, nor have I ever paid less than the agreed upon amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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:
A fraudulent inquiry was made by XXXX XXXX on XX/XX/20. I contacted XXXX and filed a dispute with equifax. XXXX verified the inquiry was fraudulent and informed me they were updating the information. Meanwhile, eqifax fail to remove the inquiry and would not investigate, stating it was a fact of record. After 30 days I reached out to both and again, was told by each business to contact the other and wait for 60 days. After the 60 days, I checked my consumer file and the inquiry remained. Again, I file a dispute, but the inquiry was not removed, nor was an investigation performed. When I contacted equifax for the 4th time, I was informed again, they would remove the inquiry after receiving notification from XXXX. So I called XXXX again and was informed they were sending another notification to equifax today XX/XX/20. XXXX, the resolution manager at Eqifax said they had not received anything from XXXX, even though XXXX said it was sent today and the inquiry should be removed in real-time. XXXX was also unwilling to provide any other supervisor above her, nor was she willing to investigate the matter. I enclosed three emails from XXXX  that the information would be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
They told me that my account has been placed under review but refused to tell me why. I asked to speak to a supervisor and I was refused and then ultimately was hung up on. I also asked for a number to the corporate office to talk to somebody that was capable of making a decision and I was refuse that number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: AR

Complaint narrative:
I have been contacting the reporting agencies since XX/XX/2020 and I have not gotten a response from them

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 2020-06-15 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: UT

Complaint narrative:
I have sumitted 4 disputes with equifax credit bureau and they keep giving me the same run around. I had an agreement with a creditor ( XXXX XXXX ) to have an account be removed off all 3 credit bureaus. They was removed off all but equifax, I have submitted multiple disputes with equifax with the same outcome. I have submitted documentation of a deletion letter to have an item removed off my report and they tell me it is not adequate information, and they have contacted the creditor and it shall remain on my report. I have contacted the creditor ( XXXX XXXX ) and they say they have submitted over 3 times the code equifax needs to delete the item. When I have called equifax about my last dispute they said they contacted the creditor on a certain date to verify the account status and that it would remain on my credit report, when I contacted the creditor they said they have not been contacted by equifax. Equifax is not doing their jobs correctly and are hurting me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: AR

Complaint narrative:
I have been reaching out to the credit bureaus since XX/XX/2020 and still have not had any answers

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I contacted capital one several times due to my XXXX XXXX  being shut down due to Covid19 and understood interest and late fees would be waived during shutdown especially XXXX, where I live, however, they did charge interest and late fees several times and my credit went over the limit, lowering my credit score. I contacted capital one on XX/XX/XXXX and they stated there was a hardship program that would lower interest from 26 percent to 7.9 percent and I stated I would call back in XXXX if we were still on shut down, which we are. When I called back to make payment arrangements on hardship program I was informed that even though they informed me about this program they will not extend that offer to me, I keep asking why and they keep evading and stating it is not for me and there are no hardship programs for coronavirus income loss. I emailed the CEO of the company XXXX XXXX and president of retail XXXX XXXX for help and neither one responded. I have gone on XXXX  and XXXX and get the run around. They stated they can only remove one interest and late fee and extend the payment due one more month. I only qualify for {$180.00} weekly for pandemic unemployment for XXXX XXXXd weekly and can not pay over $ 300 month with that amount as I have rent, food, utilities, etc. I am offering to pay just need to modify interest and monthly amount. If my credit score continues to go down I will not be able to lease space when we finally open up in XXXX again as they do credit checks to lease fitness studio space. I am so upset that they informed me of the hardship program and then stated, but it is not for me. These are extreme circumstances we are all facing and especially hard in XXXX and no one could have anticipated this. I am willing to pay I just need some arrangement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc.
State: MD

Complaint narrative:
To Whom It May Concern : I rented an apartment at the XXXX XXXX  for 2 years and during that time, I CONSTANTLY had to contact the Property Management team about the incorrect charges on my account. 

Some of these charges include : - Wrong Rental Amount - Utility Charges that should not be applied to my account. ( i.e. Gas Charges ) - Unfulfilled Maintenance Requests ( i.e. Mice, Insects ) - Incorrect Fees ( i.e. Late Fees ... I was never late with my rental payment. ) I moved out of the XXXX XXXX  in XX/XX/2018 and left my apartment keys in the kitchen like I was informed by a property representative when I called their phone line. 

I even followed up with the property on XX/XX/2018 to make sure everything was good with my account, but the property manager did not respond to my email. 

5 months later, I'm receiving a call from a debt collector for over {$1300.00} dollars in charges. These charges were completely false and my lawyer sent a scathing email to the property disputing all of the incorrect charges that have been clearly added to try to damage my credit on purpose. 

After receiving my lawyer 's letter, the property sent a revised ledger that removed half of the incorrect charges, even though ALL the charges should have been removed. 

This is important because the property NEVER updated the collections agency of the new balance. The collection agency is still trying to collect the {$1300.00} dollar amount. 

My lawyer has advised me to submit a complaint against the property and sue them in small claims court for damages to my credit and for wrongfully sending false information to credit bureaus in hopes of damaging my personal renting history and credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-15 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: Conn's, Inc.
State: TN

Complaint narrative:
I settled my account with Conns. Its two months later and they are still reporting late payments to the credit bureaus. I disputed the information with Conns and they removed the marks from XXXX  but they still reported another late payment to XXXX  and XXXX. It is my understanding that Conns is required to submit corrected information to all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Accounts Management, Inc
State: CA

Complaint narrative:
I received a debt collection from AMI for medical debt from 2002. My ex wife is stipulated to pay in the divorce proceedings, but they refuse to stop trying to collect it from me. Further, AMI has charged an exorbitant {$500.00} from two separate charges of XXXX and {$88.00}. There was no contract from the hospital to collect interest. This is a violation of FDCPA Accounts Management Inc. 
XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Attempted to open Wells Fargo XXXX Account online - authorized {$500.00} ACH from XXXX to open account. Had technical issue and was advised by wells Fargo chat yo close that account and open account again. I did that with {$25.00} ACH authorized. Wells Fargo withdrew both the {$25.00} to fund active account AND {$500.00} that they can not find. See attached screenshot showing both transactions ( {$25.00} credited properly and {$500.00} lost )

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 2020-06-15 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: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
Despite assurance in writing from the Mortgage Company Specialized Loan Servicing and the three credit reporting Agencies XXXX, XXXX  and XXXX that the incorrect report of 90 days past due mortgage will be corrected and the credit score would reflect the corrected information I was denied a Mortgage refinance from XXXX XXXX XXXX due to a credit score below XXXX and a credit report from the three agencies reporting a 90 day past due mortgage report by SLS Company ( specialized Loan servicing. It has been one year since SLS  received a full payment by the Title Company on XX/XX/XXXX ; SLS  reported Mortgage unpaid for XXXX, XXXX and XX/XX/XXXX. I received a letter from SLS  stating that on XX/XX/XXXX an update was sent to the three credit reporting agencies to remove the delinquent payment information from XXXX, XXXX and XX/XX/XXXX but it has not been done, the three agencies credit report past due mortage with SLS, the credit score reflects the incorrect report and I can not refinance my House at lower interest rates.I filed complaint with CFPB on XX/XX/XXXX XXXX and XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: AR

Complaint narrative:
I have been reaching out to the credit bureaus since XX/XX/2020 and still have not had any answers

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 2020-06-15 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: AR

Complaint narrative:
I have been reaching out to the credit bureaus since XX/XX/2020 and still have not had any answers

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 2020-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX ; I attempted to pay down my Citibank Premier Credit Card # XXXX, with a third party check {$2400.00}. A friend XXXX XXXX, owner of XXXX XXXX XXXX, owed me this sum. It was a payroll check issued from XXXX for his landscaping services. 

I deposited the 3rd party check along with a deposit slip, indicating that the funds were to be used for my Credit Card Payment. The ATM branch that I used was at XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX ( See attached - Exhibit 1 On XX/XX/XXXX, the bank reversed my payment. 
( See attached - Exhibit 2 ) After many months of disputing this situation : In XX/XX/XXXX, after an investigation by Citi was completed ; Citi REVERSED Incorrect Payment XXXX. However, this status was not maintained because on XX/XX/XXXX, Citi made a Reversal Adjustment XXXX and declined a second time, my payment of {$2400.00}. 
( See Attached - Exhibit 3 ) On XX/XX/XXXX. I received correspondence indicating that " on XX/XX/XXXX the Illinois branch bank requested us to return the {$2400.00} payment to them because they stated the payment was not intended for the above account ... ... '' ( See Attached - Exhibit 4 ) After each reversal that Citi made, I kept calling the customer service line to request further investigation which at first resulted in a solution. However after dozens of attempts more in trying to have Citi apply the {$2400.00} with no avail, I became exhausted and frustrated from this ordeal and stopped pursuing a resolution. However, I kept copies of all the receipts, statements, correspondence, etc. 

When a friend encouraged me to open a case with your agency, that I never knew existed, I decided to pursue a complaint and resolution again.

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 2020-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: NAVY FEDERAL CREDIT UNION

Complaint narrative:
I am a retired XXXX year old American living in the XXXX for the past 8 years, I am a home owner here and have not visited the United States in 8 years. I am also a recipient of Social Security retirement, VA XXXX and a small annuity from the United States Government. The problem I have is all three credit bureaus tell me they can't send a credit report or credit score outside the United States. I have been a member of the Navy Federal Credit Union for the past 2 or 3 years and everytime I apply for a credit card or a small loan they say I have a lot of negative information on my credit report. I have no idea how to go about fixing this or even knowing what is on it. They say I have opened no revolving accounts in the past 12 months is also a reason for denying me, well here again, I live in the XXXX with my wife and kids so I don't have to need to open an account in the US, I don't live there. Also, they advertise a free annual credit report every year but said they can't send it to me or allow me to see it online. So what can I do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Business Revenue Systems, Inc.
State: AZ

Complaint narrative:
So I visited XXXX XXXX  Imaging, XXXX to get XXXX   XXXX  done because I've been diagnosed with 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 
Anyways I had to get about XXXX XXXX  done along with a XXXX and I'm planning on getting XXXX more because I had XXXX for my condition in XXXX. Now I'm covered under XXXX under the XXXX XXXX XXXX XXXX. I checked with both my insurance and the XXXX XXXX XXXX to make sure I was fully covered. They both verified that the cost would be fully taken care of. I also wrote my insurance information on all the paperwork asked of me and after they sent me a bill asking for my insurance information which I promptly submitted back. They had my information. 
After that I received no word about the bill till I received a noticed from a collection agency in Iowa called Business Revenue Systems , Inc . They not only failed to properly inform me that they were going to send my bill to collections but they also never contacted my insurance even though I gave them that information more than 3 times. 
Their lack of communication has directly impacted my XXXX XXXX and they were effectively trying to take advantage of my vulnerable condition for financial gain. Funny enough if it wasn't for my insurance 's quick actions and forcing XXXX XXXX XXXX to work with them, my situation would have never improved. 
Also this isn't the first time they abused their customers! XXXX reviews has countless accounts of poor women like me who were scammed out of money and had their credit scores ruined because they never contacted the patients about their debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jonathan Neil & Associates, Inc
State: WA

Complaint narrative:
XXXX Johnathan Neil & Associates, IncXXXX sent a claim to my step son in the form of a letter that states he owes {$3900.00} in regards to a car accident last year. This firm stated that they would send/obtain a copy of judgement against our son. Our son is a minor. In addition they threatened to file suit against him. 
XXXX My husband and I on behalf of our minor son wrote back to Johnathan Neil & Associates that neither he or us owes this debt. I stated we would report this company to the FTC as well as the California State Attorney General if communication does not cease to exist. 
XXXX Our son received another letter from Johnathan Neil & Associates Inc. stating our dispute is invalid. In addition, there is a copy of a letter this firm wrote to the Washington State DMV asking administrative action to be taken against the " uninsured party '' .Also included in their accident report is clearly the name of the legal registered owner which is not our son. 
XXXX Our son wrote to Johnathan Neil & Associates stating he is not responsible for the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION
State: CT

Complaint narrative:
On XX/XX/2020 I opened a checking account at XXXX. I did so due to a promotion that I saw on the internet stating that if I made an electronic deposit of {$500.00} or more to my checking account I would receive a {$200.00} bonus within 60 days of opening ( XX/XX/2020 ), and if I met that criteria, and opened a savings account that had a balance of {$500.00} on XX/XX/2020, I would receive a {$50.00} bonus in addition to the {$200.00} bonus for a total bonus of {$250.00}. I deposited {$500.00} electronically on XX/XX/2020 to my checking account and on XX/XX/2020 I also deposited {$500.00} to my savings account via electronic deposit. I have attached both statements to this complaint. More than 60 days have gone by since I opened the account on XX/XX/2020. In fact, it has been nearly 120 days and I have not received the bonus. I would like the {$250.00} to be deposited into either my checking or savings account without further delay. I am on social security XXXX, receiving {$2200.00} per month for myself and XXXX children. I thought that the {$250.00} I was expecting from XXXX would help my family with expenses during the covid XXXX pandemic, but I was wrong, I opened the account, and put my money in there and got nothing. It clearly states in the instructions for getting the bonus that : " Within sixty ( XXXX XXXX days of account opening, at least XXXX electronic deposit from an unrelated XXXX party, of {$500.00} or more to your checking account, and have a balance of {$500.00} in your savings account as of XX/XX/2020 ''

Company response to consumer: Closed with explanation