vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-14 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reached out to experian regarding an account with XXXX XXXX ACCT # XXXX {$130.00}. The dispute was issued online electronically ok XX/XX/22 on XX/XX/22 experian stated they spoke to The company and they said the account is mine. Heres the thing I spoke to We financial and they sent me a letter mentioning the account isnt mine, they also Mentioned they never spoke to anyone from experian, on top of that this account has been removed by XXXX and XXXX Im simply asking for a removal of account

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 2022-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
I AM A XXXX XXXX XXXX XXXXXXXXXXXX XXXX AN AM DESPERATE TO SAVE MY HOME. In XX/XX/XXXX I was contacted by PHH regarding their mortgage relieve program ... .I provided them with info they requested at that time and they reduced my payment from $ XXXX to {$670.00}. I made payments in that amount on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However PHH returned the XX/XX/XXXX amount of {$670.00} to my bank account with no explanation. 
I contacted PHH and was told that I did not qualify for the program as there was a problem with my title. I requested that they tell me what was wrong... or provide me with a copy of the title that they were using in their determination ... .but they refused to simply tell me what the issue is so I could resolve. They then stated that they were starting foreclosure proceedings immediately. I made calls and contacted all agencies re : the status of my title and was told over and over there was not a problem with the title including lien searches thru XXXX XXXX XXXX and a company that specializes in lein searches. PHH then proceeded on a rampage of calling me and stating I was in foreclosure and they were taking my house several times per week but never offering assistance on how to resolve the issue even to the point that they sent me a letter stating as much. 
I spoke to an attorney and he looked at the info I had gathered and thinks that the " lien '' that they are referring to is from XXXX XXXX XXXXwho are no longer an entity- who held my loan before it went to PHH..>they would be the lien holder as my mortgage carrier, however, that issue is not valid any longer as PHH bought my loan from them thereby severing that contract.! 
I am in the beginning process of filing formal complaints with : Federal Trade/Banking Commission XXXX XXXX XXXX in Arizona, New Jersey XXXX Florida and Maryland

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
My mortgage was just sold to Fifth-Third Bank last month. They have been the worst mortgage servicer I have ever dealt with. They have no real way to access your loan information online. I called them so I can get access to an online portal and they wanted me to create a " false '' credit card in order to set up a mortgage account. They were unable to create the " false '' credit card number and told me to call back in a few days. If this was not a major bank I would assume this was a scam with someone trying to create a credit card in my name. Honestly, I am unsure how safe it is for the bank representatives to just give out " false '' credit cards to everyone. 

A XXXX XXXX to Fifth-Third Bank. 

It's great that you want to buy mortgages! But, if you want to be in that line of business you probably should have an infrastructure that does not make you look like a scammer trying to create credit cards in other people 's names.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
HELLO MY NAME IS XXXX XXXX XXXXXXXX XXXX XXXXXXXX, I AM MAKING THIS COMPLAINT BECAUSE IN MY CHEX SISTEM REPORT IT APPEARS THAT I HAD A CHECKING AND SAVINGS ACCOUNT WITH MULTIPLE BANKS. BUT I DON'T RECOGNIZE THOSE ACCOUNTS OR THE BANKS, SOMEONE ELSE STOLE MY ID AND PERSONAL INFORMATION TO OPEN ACCOUNTS FRAUDULENTLY, I MADE AN IDENTITY THEFT REPORT TO SEND IT TO YOU AS PROOF THAT I AM A VICTIM OF IDENTITY THEFT PLEASE DELETE THESE ACCOUNTS OF MY REPORT, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXXXXXX XXXX. I NEVER HAD AN ACCOUNT WITH THESE BANKS..

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 2022-09-14 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
XXXX has frozen XXXX dollars in my account. Called mutiple times to find out why. Funds still frozen

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MA

Complaint narrative:
XX/XX/2022 I contacted XXXX XXXX of XXXX to attain XXXX XXXX quotes for me. While going thru my auto history he informed of a claim that was showing up on my record for XX/XX/2022 that I had no recollection of. He explained and sent me the screen shot of the information from Lexis Nexis. I then contacted my insurance company to see if they we're guilty of putting this fraudulent incident on this report XXXX was alerting me to and they said their system showed nothing and I got a written from them saying such. I called Lexis Nexis and explained the situation to them and asked them to provide me with the information that they have on file for XX/XX/2022 and these people are trained to either not listen, or not help. He said he could send me a copy of my report. I received a letter from LexisNexis with information on how I could view my report online however when I tried to access it the web page said the PIN could not be authenticated. Someone is causing me additional time and money that I don't have because these large companies can just post false information with no repercussions. And when the victims they are spreading disinformation about contact them to get the information they share with others about YOU they won't provide it and will go out of their way to be useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Vystar Credit Union : I found fraud charges on my credit card. 
I reported it immediately. It has been months since reporting. 
They canceled the card right away and sent me a new one. They took off one charge. 
They put the fraud charge on my new card! 
Now Ive received late charge notices! 
I do owe {$44.00} in legitimate charges. I was advised to make a minimum payment to prevent this going to collections!! So I paid {$37.00} as requested. 
I have to add there has now been a fraud charge on my debit card with the same institution. They have canceled that card. Off to their mysterious FRAUD department. 
I have escalated this as far as I can to no avail.

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 monetary relief
Consumer complaint received 2022-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I transferred funds and they froze my account. Never told me why. Now they are shutting my account down and they said that it will take up to 180 days to get my funds back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: PNC Bank N.A.
State: GA

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Opportunity Financial, LLC
State: GA

Complaint narrative:
I, XXXX XXXX, in good faith, according to the Consumer Credit Protection Act was exercising my rights when I came to you to extend my credit by filling out a credit application on XX/XX/2022, the result being I was denied and discriminated against. This action has caused harm to my personal, family and household purposes 1002.2 ( 3 ) ( h ). 
If you, OppLoans adhere and abide by the rules of ECOA, you should be aware that you are in violation of federal law pursuant to The Equal Credit Opportunity Act and The Consumer Credit Protection Act for denying me my own credit. Your company has discriminated against me by not extending my credit that I legally have the right to. I have been treated less favorably than other applicants pursuant to 1002.2 ( 3 ) ( n ). You should be aware that your reasons for denial and discrimination per ECOA are unlawful and illegal. 
I am aware that you, OppLoans, are liable for failing to comply with federal law. Pursuant to 12 CFR1002.16 ( b ) ( 1 ), it states that any creditor that fails to comply with a requirement imposed by the Act or this part is subject to civil liability for actual and punitive damages in individual or class actions. Pursuant to sections 702 ( g ) and 704 ( b ), ( c ), and ( d ) of the Act, violations of the Act or this part also constitute violations of other Federal laws. Liability for punitive damages can apply only to nongovernmental entities and is limited to {$10000.00} in individual actions and the lesser of {$500000.00} or 1 percent of the creditors net worth in class actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Had tax refund deposited direct from irs to wells fargoXXXX for the last 3 years, did the same this year only XXXX changed their policy about XXXX  personal and business accounts and now Im not eligable for direct deposit. I call paypal and they say when direct deposits are rejected that they automatically send funds back to issuing bank, call wells fargo and they cant find the account number that ive used through them for 3 years so I call the issuing bank ( XXXX XXXX ) for the irs and they show the date they sent to wells fargo and also provide me a trace number but show that wells fargo has not sent the money back to XXXX XXXX I've ran around in circles for 3 months trying to find my money and can't get answers from anyone.

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 2022-09-14 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: TX

Complaint narrative:
I am a a natural person, I am a human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Convergent Resources, Inc.
State: DE

Complaint narrative:
The company has violated many of my consumer rights. Pursuant to 15usc 1681 ( 2 ) sharing my information without my direct consent, 15usc 1692 ( e ) false or misleading representation. Reporting n my credit profile that the debt I do not owe was sent to an attorney. 15usc 1692 ( f ) unfair practices,15usc 1692 ( c ) the company never validated any debt.

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 2022-09-14 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: CITIBANK, N.A.
State: UT

Complaint narrative:
I was purchasing a XXXX XXXX XXXX through popular science. During checkout, I got an error message saying it could not be completed. I was double charged on my credit card. I disputed the charges and the credit card company investigated and said the charges are valid and made me pay them. The charges were not valid as I never received confirmation that the order went through. Also, I was double charged so how could the charges be valid since there is a duplicated charge?

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 2022-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: A & O Recovery Solutions, LLC
State: WV

Complaint narrative:
A man who's name is XXXX XXXX, works for CCI, has contacted me twice regarding past due amount on a decedent that I had medical power of attorney a year prior to her death. Four months before she died, her daughter, being her living next of kin, took over the medical power of attorney. She passed at the end of XXXX last year and the nursing home she was in charged her for the entire month of XXXX ( she doesn't owe for XXXX because she wasn't alive ). No one was appointed through court documents as her executor through the state. I tried explaining all of this to XXXX XXXX and he stated he did not care about the laws where I'm from that the amount is owed. I informed him that medical power of attorney expires when a person has passed away and that medical power of attorney has nothing to do with financial. He stated he did not care that the money is owed. He also talked overtop of me, I tried to call back to ask for a supervisor and he answered the phone and said are you done, you haven't had enough. I have spoke to a lawyer regarding this harrassment. XXXX XXXX is very unprofessional and should not be talking to people like this! I have blocked their number and XXXX still finds a way to call from different numbers.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-14 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have noticed unauthorized items appeared in my report. So, I am requesting that you delete this ACCOUNT from my credit report immediately. Sent them a letter last XX/XX/2022 regarding it but I haven't received any response from them. It has more than 30 days from that date. This is a total inconvenience to me and caused a lot of stress on my part. Also I felt I am being taken advantage and ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: MD

Complaint narrative:
XXXX, Transunion and XXXX is reporting that I have a bankruptcy that is not mine I've provided documentation that proves they illegally put information on 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 2022-09-14 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: MD

Complaint narrative:
XXXX, XXXX and Experian is reporting that I have a bankruptcy that is not mine I've provided documentation that proves they illegally put information on 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 explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was on XXXX looking for homes when I applied for a home I was told that I was approved l. I then began speaking to a person by the name of XXXX XXXX who told me in order to secure the home I need to send off the deposit and first month rent. I sent that over and after that I received no more response. I then called through XXXX and they said that the home is not for sale. On the XXXX I called My bank chase asking for assistance and they have now responded saying they have nothing that they can do. 
XX/XX/2022 XXXX payment to XXXX XXXX XXXX XXXX {$920.00} {$920.00} XX/XX/2022 XXXX payment to XXXX XXXX XXXX : {$960.00} {$960.00} XX/XX/2022 XXXX payment to XXXX XXXX XXXX : {$460.00} {$460.00} XX/XX/2022 XXXX payment to XXXX XXXX XXXX : {$460.00} {$460.00}

Company response to consumer: Closed with explanation