vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My mortgage company is XXXX  /new rez XXXX. I am trying to make payment and they will not accept my payment. They don't have a point of contact. I was sent to foreclosure dept prematurely. I am approved with California mortgage relief funds to pay for my back since I was behind due to hardship. California mortgage relief also known as XXXX  wants me to make one payment to XXXX, so XXXX can receive the correct reinstatement amount and not over the limit. This is unfair business practice and I should be to make a payment on my account. I am requesting this to be Escalated immediately pls. Thanks XXXX. XXXX Previously I have applied for mortgage assistance with XXXX and denied XXXXXXXX  and still had 30 days to appeal and I still have 10 days to appeal. This should not have been pushed to foreclosure dept and process in 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 2024-03-11 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CA

Complaint narrative:
I had 3 charges that are unauthorized taken out of my acct. They totaled XXXX. XXXX explained they would send me a new card and the form to fill out which was supposed to arrive in 5 days. Stated had 10 days from day I called to respond and receive provincial credit. Called on XX/XX/2024. I finally got form in mail on XX/XX/2024. Past the date to get my provincial credit. 
I tried many times to call and get left on hold for over an hour at times or get hung up on. I am fed up! I am on XXXX and XXXX. I need this money and can't wait 90 days. This is so unfair! The government using this company is shameful!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

- 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

- 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX Never Sent the periodic statement along with the disclosures from section 1

637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XXXX XX/XX/XXXX, My roommate sent me XXXX, {$100.00} Venmo deposits to help me pay the rent ( We are both XXXX XXXX  and share an apartment ). The money was taken from her account. Then my Venmo account got suspended wrongfully when I tried to deposit this money into my bank account. I was informed of this via email where they asked for me to upload my driver 's license. I complained and called Venmo customer support where I was lied to and told that this would be cleared up soon and they would unfreeze my account and deposited my money. XX/XX/XXXX, ( 5 days later ) and my account is still suspended, and my money is still being held by Venmo interest free. I recalled Venmo support and now they are telling me it will be up to 15 more business days before they even try to address my account freeze. I have also emailed them ample times over this matter. They are wrongfully holding my money which is causing me to be unable to pay my rent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: NY

Complaint narrative:
A couple things happened. 

I asked to be sent a document proving I owe them the debt over a month ago, they told me it would take no longer than 5 days. I never got anything. And in that time, they are still calling XXXX times a day ( which is over the once a day rule ) to my understanding not only are they calling too much, they are to cease collection attempts until proof of debt is sent, and they have not stopped emailing or calling.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX is sending incorrect information to Transunion credit bureau. A month ago I noticed that my transunion report was showing my mortgage loan from XXXX XXXX XXXXXXXX as closed. It was correctly showing open and current at XXXX and XXXX I asked transuniion to get an update from XXXX XXXX XXXXWhen they got the update it dropped my credit score at transunion from XXXX to XXXX. Meanwhile my score at XXXX was XXXX and my score at experian was XXXX credit advisor told me that whenever there is a XXXX or more point difference in the credit bureau XXXX XXXX a bad mistake has been made by the creditor, the agency or both.I believe the mistake was XXXX XXXX XXXX reporting wrongly to the transunion agency that i was presently or previously involved in a XXXX XXXX bankruptcy, and that I had been discharged of any obligation to pay my mortgage debt.This is absolutely wrong. I received aletter from the mortgage company on XXXX stating just that. I called and reminded them that I had signed an affirmation ageement in XXXX during bankruptcy proceedings, stating I would continue to pay the mortgage as agreed in our original contract.Therefore they had no right to send this incorrect information to transunion. or any other credit bureau.Their egregious action has plummeted my Transunion credit score without a cause. That wrong information should never have been sent.All they had to do was send in that it is open, it is current, and his payment history shows, never late.I ask the CFPB to convene in this matter on my behalf.

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 2024-03-11 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2024, I discovered unauthorized transactions on my account totaling {$21000.00}. I immediately contacted Bank of America 's customer service department and filed a fraud claim. I provided all the necessary information and documentation supporting my claim, including the transaction details and evidence of unauthorized access to my account. 

Despite my prompt action and the clear evidence provided, Bank of America denied my claim, stating that there was insufficient proof of fraud. I am appalled by this decision, as I have taken all reasonable steps to protect my account and report the fraudulent activity in a timely manner. 

I believe that Bank of America 's denial of my claim is not only unjust but also a violation of my rights as a customer. I had always trusted the bank to protect my financial interests, but this incident has left me deeply disillusioned. 

Given the circumstances, I am left with no choice but to file a formal complaint with the government. I request that the appropriate authorities investigate Bank of America 's handling of my fraud claim and take necessary action to ensure that justice is served. 

I have attached copies of my correspondence with Bank of America, including the initial fraud claim, the supporting documentation, and the denial letter. 

I appreciate your prompt attention to this matter and look forward to a fair and satisfactory resolution.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I called GM financial along with their total loss department know that as a federally protected consumer, I was opting-out of any and all authorization given to report any information given to any third party. That I the consumer have given them written/ unwritten- verbal/nonverbal per 15 USC 6802 effective immediately and indefinitely!

However they have failed to do so in multiple attempts of me contacting them submitting this request even though I was told by the two of the representatives that they had in fact submitted my request. With them failing to do so has took a toll on my credit score damaging my reputation unforeseen future credit extension as a consumer to get to get things I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this compliant on the following dates XX/XX/XXXX and XX/XX/XXXX. I'm now requesting you to investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified i demand these payments be updated to paid on time immediately. Thank you for understanding and prompt action.

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 2024-03-11 00:00:00
Product: Credit reporting 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this compliant on the following dates XX/XX/XXXX and XX/XX/XXXX. I'm now requesting you to investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified i demand these payments be updated to paid on time immediately. Thank you for understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
According to FCRA 605B, it seems necessary to eliminate any erroneous accounts from my credit report. Would you mind verifying the documents? The presence of inaccuracies among the listed accounts is unsettling for 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 2024-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XX/XX/2024, XXXX. I deposit around XXXX dollars cash to Chase ATM on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ. And, the ATM only took my cash and did not deposit it to my account. It only give me a receipt to let me contact with customer service. After contacting with them, they said it will take a few days to open an investigation to solve this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXXXXXX XXXX said I had a XXXX credit score. I have a credit monitor account and it had my numbers much higher plus transunion say I owe on an insurance account which I changed. Please advise because this is causing me much trouble.

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Dear Sir/Madam, I am writing to you regarding persistent inaccuracies in the reporting of my account by Wells Fargo Dealer Services to the credit bureaus. Despite multiple attempts on my part to rectify this matter, it has become apparent that your organization has failed to address the discrepancies, leading to significant financial injury, emotional stress, and more. 

On XX/XX/XXXX, and XX/XX/XXXX, in separate investigations initiated by me, your office stated that it reviewed my account with your Credit Bureau Operations department and found that my account was reporting accurately and did not meet FCRA deletion criteria. However, I possess evidence from my XXXX and XXXX credit reports that demonstrate otherwise. These reports clearly indicate multiple items being reported incorrectly by Wells Fargo Dealer Services. 

Enclosed with this letter, you will find documentation supporting each violation found on my credit report, including evidence of incorrect payment history and inconsistencies in charge-off dates. For example, your letter addressed to me stated that the last full payment on my account was received on XX/XX/XXXX. However, my XXXX report shows the last payment as XX/XX/XXXX, while my XXXX report shows XX/XX/XXXX as well. This discrepancy of a two-year difference from my actual last payment date is a direct violation of FCRA reporting requirements. 

Furthermore, it is imperative to note that this account has been disputed for inaccuracy before and was removed. However, it has been added back with inaccurate information again, exacerbating the financial harm and emotional distress caused. 

If my account was charged off in XX/XX/XXXX, it is concerning to note that it was also charged off for 32 other months. This is a blatant violation of FCRA furnishing requirements and has caused significant harm to my creditworthiness and financial well-being. 

In light of the persistent inaccuracies and violations of FCRA reporting requirements, I am left with no choice but to pursue arbitration to seek redress for the damages caused. However, I am willing to offer Wells Fargo Dealer Services one last opportunity to resolve this matter amicably.

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 2024-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I own rental properties in XXXX utah. I use Wells Fargo in XXXX utah. I have my tenants deposit their rent into my wells fargo locally to them. I require they deposit certified checks, I do not accept person al checks. 

This account ONLY accepts deposits from the same renters month after month and is not used for anything else, ever. 

This account has been used for at least 5 years and it receives the same amount in certified checks, from the same renters without any new deposits. 

Recently wells fargo froze two of the certified checks, but cleared the others. The reason for the freeze was " suspicious account activity '' and that the checks had not cleared. 

Well I dont agree for three big reasons. 1. These are the SAME checks from the same renters that have been depositing into that account for years. 2. These are CERTIFIED checks and 3. There has been no new activity in that account that has not been performed routinely for the past several years. ( additionally, they DID clear the first two checks from renters, again using certified checks being deposited by the SAME individuals ) I have attempted to call Wells Fargo several times. They are evasive and keep claiming suspicious activity. I then press them and they respond that their executive office will call me back within two days. I have called them 3 times in a week and have never received a call back, from anyone. 

I believe they are discriminatory ( potentially XXXX ) and fraudulent. I need assistance please.

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