vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-30 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: NJ

Complaint narrative:
I have disputed several incorrect and incomplete items from my credit report to the credit bureaus and i have not received a response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Ocwen is attemoting to llegally foreclosed my loan, ignored my complaints, and have sold off the servicing rights to my loans and are trying to initiated the foreclosure process before completing a review of my loss mitigation applicationsFees and the Dates alleged simply cant be for what you stated above due to the fact that your explanation of when the fees could be incurred does not match the timeline of my property and the actual activity there. There is no way certain fees could have happened when you are stating, and I can prove it because I have been living there and can prove that there is no way anyone inspected anything, no maintenance was done. definitions of fees and what there for, but didnt state the ammount of each fee. And the ammount charged for each fee changes seemingly at will for no reason. While the fee title remains the same, the ammount charged for the same type of fee drastically changes. 
.there has been absolutely no communication or effort put in on your part to contact me an alert me that any of this was going on so that I might have been able to prevent these charges from being made. I was prayed upon by your ocwen because of the literal contradictory resistance i have met for 2 years to gain access to the account or find effecgtive communication with them at all. The fact that this account was inherited and XXXX XXXX is XXXX  I believe it was believed by there company that I, and my property could be written off as already won and that yall were just waiting for the time to pass by until they could sieze the property. 
I have not been given any oppurtunity or a fair chance to abide by any terms or conditions, and it is wrong and terrible to think that OCWEN/PHH/XXXX  is and would try to take this from me without giving me a fair shot. 
So no, your fees were not correct and i object and reject their tatement and challenge it fully. 
I am not trying to escape a debt, I am trying to get a fair chance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: Lending Club Corp
State: RI

Complaint narrative:
In XX/XX/2020, we deferred payment for one month per the Covid rules of our loan company Lending Club LLC. They incorrectly reported the account as 30 days late. When we informed them the my corrected it. 30 days later, they again reported the XX/XX/2020 account as last due. We again informed them and they corrected it. This has happened every 60 days since. They refuse to explain why it is happening and will not let us talk to anyone who will fix the problem. They promise calls from supervisors that never occur.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-30 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it. Yes, if it has been 30 days since the final payment resolving your account successfully posted, PRA requested the credit reporting agencies delete the PRA tradeline related to your account from your credit bureau report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: CA

Complaint narrative:
I have sent disputes to the credit bureaus because of several inaccurate information from on credit report and they haven't answered

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AVANTE
State: NC

Complaint narrative:
i was living with a roomate he was from XXXX. one day i came home and the guys move out taking mu personal stuff ID social security card and more documents and this person beside that he work with my social and let me wiht a big debt wiht the XXXX  and asking to any bill from XXXX XXXX XXXX to be Remove i have done these claim more than 5 time with the same account and they remove it and give it to another debt collect company! plase dont bother me anymore wiht this bill i dont owe be cuz i was a victing of identity theft Im just want let know XXXX physician to stop collect and bother me like 2 twice in a year since 2016 my Credit is importan to me! We can go to court if that want they want to!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
I had an account with XXXX XXXX XXXX as part of my business in XXXX, XXXX  through XX/XX/XXXX. When I sold the business and left the city in XX/XX/XXXX, I returned the equipment and closed the account thinking I was in good standing. Unbeknownst to me, XXXX XXXX XXXX continued billing me apparently for months and I was given no notification in order to be able to sort it out with them ( I had moved back to XXXX, XXXX  ). 

Fast forward to XX/XX/XXXX, I get a notification that there's a collections on my credit file from Sequim Asset Solutions for {$180.00} related to that account. I called XXXX XXXX XXXX and spent over 6 hours talking through it with them - they agreed verbally that it was likely a system mistake but since it had gone to collections, it was out of their hands. I called Sequim and they said it wasn't in their hands but rather, it was up to XXXX XXXX XXXX to pull the record. 

I'm a person that had over an XXXX credit score and now this company has ruined my credit - it dropped over 60 points. I have no recourse and I feel helpless because I've worked very hard for the score I have. Just when I'm thinking to buy a home, XXXX XXXX XXXX falsely puts a collections on my account for a debt they agree I don't owe. I really need help fighting this corrupt company - it's not fair. I've never missed a single payment for even thousands of dollars EVER and now I have a derogatory mark on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: IN

Complaint narrative:
I had a checking account with US BANK for roughly 4 months. In this time, my US BANK account was overdrafted due to the outrageous fees they charged to my account for a slight negative balance. On XX/XX/XXXX, the {$600.00} stimulus check was deposited into this account, to which I only received {$100.00} from. From what I have learned from the IRS  and US BANK themselves, it WAS ILLEGAL for them to take and withhold ANY amount of my STIMULUS check from me. I have contacted US BANK twice now, both through phone call. I have been given the same answer from 2 different representatives ; that their 'manager ' was in a meeting and would call me later that day. I NEVER received a call back. This is illegal and I want my stimulus check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: HW Holding, Inc
State: TX

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: XOOM CORPORATION
State: TN

Complaint narrative:
XXXX XXXX XXXX  EST I received an email notifying me of a fraudulent money order transaction charged and processed on my debit card for the amount of {$450.00}. 
Upon inspection, it was made by the company Xoom.com by XXXX. I called to report that this was not me. I do not have a Xoom account. I wanted to know when, where, and how this transaction went through, but the company states they can not give me the information. All they offered was to debate the transaction. I agreed and asked them to send me an email or paper stating that I have a case # so I could follow up the scam. They refused to send me any kind of follow up email, but I recorded the call as proof and for my protection. I have tried reaching them through social media as well to have my case given the proper attention it deserves. I have had my bank notified of the fraudulent activity as well. 
All Xoom customer service stated was that they will restrict the recipient of the money order from further using their company but that does not return or guarantee my stolen money back. I asked for advice from a family friend police but havent reported it yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2021 I sent a payment through XXXX from the Capital One website. The payment went out on XX/XX/2021 and was due to be delivered by XX/XX/2021. 
On XX/XX/2021 the payee notified me that they had not yet received it. 
I checked the Help section on the Capital One website which states : " What should I do if the company I paid has not received or credited my payment? 
Sometimes a company may not credit your account immediately after they receive a payment. If the payment is not credited after two days, call the companys customer service line. If the problem isnt resolved, you can send us a payment inquiry on payments in XXXX XXXX History. We will contact the company on your behalf in an attempt to resolve the problem. '' First of all, there is no way to send a payment inquiry in XXXX XXXX  History. 
I called Customer Service and spoke with XXXX ( ID XXXX ), who was not helpful. He claimed that all he could do was issue a stop payment. He stated that Capital One does not contact any companies on their customers ' behalf when payments are not received in a timely fashion. 
It appears that the information provided in the Help section to reassure customers about the safety of using XXXX is phony and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDEN 1 CREDIT UNION, THE
State: IA

Complaint narrative:
On XX/XX/20 I was notified that someone applied for a credit card in my name at Golden 1 Credit Union in XXXX. I did not apply for this credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: INVESTORS BANK
State: NJ

Complaint narrative:
I created a login for Investors Bank about one year ago ( XXXX ) just so I could download my paperless statements. I was logging in and downloading them every month but I haven't had a chance to download them for the last six months due to Covid. I tried to log into my account on XX/XX/XXXX and for some reason, the Investors Bank website will not accept my password, WHICH I KNOW TO BE CORRECT. I attempted to reset my password but the phone number which appears on-screen IS NOT my phone number. My phone number on my account as per the Investors website is XXXX. However, I have no phone number that ends in " XXXX ''. Since the Investors ' only method of authentication which allows me to reset my password is done by either calling or texting this number, obviously, I was not able to reset my password and therefore, not able to log into my account. More importantly, it is evident that INVESTORS has commingled my private, confidential information with that of another customer because the phone number listed on my account IS NOT/HAS NEVER BEEN my phone number. Obviously, Investors Bank 's systems are NOT SECURE. 

In addition, when I set up the online banking to access my account I set it up under my name, with my number, and with my email address. No other email addresses or phone numbers were part of my online profile. After the numerous attempts to log in tonight, my husband told me he received emails at his personal email about my account being locked. Again, why are people who are not part of an account getting information about my personal login and account information? 

It seems to me that Investors Bank is comingling information between unrelated accounts and unrelated user profiles. Obviously, their computer systems are not secure. My phone number in my profile was changed to an unrelated number without my consent. In addition, my husband received notifications to his email regarding my profile information when his information was never part of my account. 

This is a very serious breach of confidential, private information. The bank needs to fix my account immediately and reinstate all the prior phone numbers and passwords to what they were before they were changed without my permission. They also need to explain why this happened and they need to fix their systems so it does not happen again. I am floored that a bank this size is using XXXX systems similar to what a Mom and Pop business would use. It is shameful. Who knows the extent to which my information was breached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On the XX/XX/XXXX I received in funds to my Bank of America checking account. I had closed an investment account and has received in {$160000.00}. My intent was to move the money to my XXXX investment account. I accidentally sent to funds to my XXXX Visa Card. ( It was an easy mistake as the the two are listed next to each other on the website for transfers. ). Realizing my mistake I called and sought to unwind the transfer. 
After 8 days, numerous calls, I still cant get access to my funds - they are stuck as a credit on my credit card. 
I am an 18 year customer of the bank. The funds moved from my checking account to my credit card. I am a former employee of XXXX, a lawyer and a certified anti-money laundering specialist- there was nothing that qualified as suspicious about moving money between my accounts. Yet after 8 days I have not been able to get access to {$160000.00} and have missed out on potential investment opportunities as a result of Merrills inability to respond to my request to correct a simple clerical error. 
Calling every day I was given different excuses for the delay and different expectations about when the funds would be returned. At this point I have {$160000.00} credit on a Visa card that is useless and no rational explanation for the delay. I hope you will investigate.

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 2021-01-30 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Below I have copied and pasted a fraudulent text message that was sent to my phone on XX/XX/2021 at XXXX XXXX. The link provided in the text message was identical to the Chase mobile app. After clicking on the link, I answered approximately six personal questions, thinking it was my bank verifying my identity. If I'm not mistaken, I might have provided my social security number. Unfortunately, days after I received this text message I had fraudulent activities on my bank account. A portion of my money was withdrawn from an ATM in XXXX, XXXX. 


Due to unusual activity, we have temporarily locked your Chase account. Please visit : XXXX XXXX XXXX Phone number associated with text message : XXXX ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: LoanCare, LLC
State: CA

Complaint narrative:
I was in forbearance and my bank loan care agreed on the forbearance terms. Once I was out of hardship I started making payments. My mortgage company loan care report missed payments to credit bureau which dropped my credit score from XXXX to XXXX. They return last payment and report missed payment. I have called the mortgage company numerous time but there has been no resolution yet. This is going one for almost a month and when ever I call I have been told they are busy and they have a lot of customer like me and it happen because of pressure from investors. I dont know if they are trying to get government fund by showing some numbers or what but as individual I have been devastated by this with no resolution in sight.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: Conn's, Inc.
State: TX

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX ON XX/XX/2021 - THEY RAN MY CREDIT WITHOUT MY AUTHORIZATION

Company response to consumer: Closed with explanation