vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
We had a 30 year mortgage with XXXX Mortgage from year XXXX to XXXX then XXXX Mortgage transferred the servicing of our account to XXXX XXXX XXXX. Then XXXX transferred the servicing of our account to XXXX Mortgage and just here recently XXXX Mortgage transferred the servicing of our account to NewRez. We just told recently that we did a 50 year loan with XXXX XXXX and did a modification for XXXX which in year XXXX then we are to pay the XXXX no interest. None of this is true and we need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
I am being held responsible for a damaged item that was returned from XXXX for {$100.00}. I was promised a refund and never received it and XXXX mastercard is basically telling me to deal with them for my refund and merchant is telling me to deal with credit card .. I dont feel protected at all by the credit card company as a consumer..

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had equifax remove a fraudulent collection about a month ago, and I noticed that they were reporting an account as open that has been paid in full about 2 years ago. Instead of removing the fraudulent report, they dropped my.credit score 58 points. Also, I have never received payment for the lawsuit that they sold 47 million people 's personal information on 2017. They are also showing a fraudulent medical bill on my credit report. It is my understanding that this type of bill would be part of my medical records and they have broken the law by accessing my medical records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Hello. I have a personal account with PayPal and have a balance of over {$60000.00} in my account currently. PayPal notified me the other day that I am no longer allowed to do business with PayPal and that they would be freezing my account for 180 days. I do not use PayPal to sell anything -- it is an account I use to buy things online, buy groceries, pay bills, rent, etc. My husband sends his profits ( post-tax ) from his business account to my account. The fact that they are holding my balance for 180 days seems cruel considering we are still in the middle of a pandemic. I have always been in good standing with PayPal and have never had any issues -- this happened abruptly and without warning. I have since spoken with PayPal multiple times, but they won't give me specific details on why they made this decision. Now a large portion of my money is frozen for 180 days. I no longer wish to do any business with PayPal, but I need my money back sooner than 180 days. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). As I fear that this might cause me trouble in my futures credit transaction and so. I want this to be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WellsFargo 1 ) refund {$190.00} on XX/XX/21 XXXX ) Then on XX/XX/21 later that night near midnight charge the {$190.00} again. 
3 ) I want {$190.00} refunded back to my account. 
4 ) This means I was charged twice {$190.00} and only refunded once. 
5 ) Please see statement if money is refunded it would be posted on my account. 
6 ) It is not okay for wells fargo to claim that internally secretly they refunded {$190.00} but it never posts on my statement. 
7 ) Tell wellsfargo to post {$190.00} on my account so I get credit before they claim transparency. 
8 ) See attached. 
9 ) See attachment.

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 2021-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
If you can not provide me a copy of verifiable proof after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

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 2021-06-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I feel this company participated in unfair and misleading practices, I feel I have been discriminated against in reference in lending, and I feel they have violated a federal consumer protection laws and regulations. I applied for a refinance loan, and I was advised I would receive the amount I asked for. I qualified in every way, my credit score is high, my equity in my home is high, my income is high, and there was no valid reason for denial or than my ethnic race. I was asked what nationality I was and I provided it to them and I was shortly denied the loan. I called numerous time to get a fair explanation and they could not provide a reason. I even tried to speak with a manager and I was unable to get though. The person processing my loan was not clear on the denial as well. 
The credit decision was inaccurate because i score above a XXXX credit score, My income in good because i have a full time job and XXXX rental properties that bring in income. I feel something was done wrong while in underwriting and no one has been able to explain why. This transaction started XXXX the Refinance would have pulled out {$60000.00} of equity and i have about {$15000.00} in equity. my payment would have only went up {$100.00} and they ( underwriting ) claim i can not afford that. which is odd because i have more than enough income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
AN UNAUTHORIZED CREDIT INQUIRY SHOWED UP ON MY CREDIT PROFILE FROM XXXX AND I IMMEDIATELY CONTACTED EXPERIAN TO NOTIFY THEM ABOUT THE ISSUE AND THEY REPEATEDLY TOLD ME THAT THEY WOULD NOT DISPUTE THE INACCURACY. I CALLED MULTIPLE TIME AND EACH REPRESENTATIVE IN THE FRAUD DEPARTMENT REFUSED TO HELP ME AND REMOVE THE UNAUTHORIZED INQUIRY ( NAMES OF TWO REPS XXXX, XXXX  ) -TWO REPS REFUSED TO GIVE ME THEIR NAMES AND THE TWO THAT DID WOULD ONLY STATE THEIR FIRST NAME.

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 2021-06-01 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: TX

Complaint narrative:
I am currently having issues with credit reporting companies reporting on my credit. Ive already filed complaints as well as disputes for several accounts Showing inaccuracies on my report. It has been well over 60 days and I have yet to seen any other disputes corrected on my credit report. I have also went ahead and filed a police report regarding the identity theft that has happened on my credit I will be attaching those files as well as the disputes sent in to the credit bureaus.

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 2021-06-01 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: TX

Complaint narrative:
Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
I have reached out to chexsystems more than 60 days ago to resolve this matter and they did not. Consumer report listed as exhibit a and exhibit b along with complaint # # XXXX shows that chexsystems removed inaccurate and false information per complaint # XXXX and exhibit a. and then in that same complaint # XXXX state that the information is in fact verified and accurate which they show to not be true per removal of information. They are continuing to report false and misleading information which is a direct violation of my rights of the FDPCA. per 15 usc 1681 ( a ) accuracy and fairness ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

they are in fact ruining my reputation with this false inaccurate and misleading information. also per 15 usc 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

clearly my consumer report is showing inaccurate information and i am requesting an immediate removal of the incorrect account /information. per my consumer rights everything must be XXXX percent accurate and my consumer report is not showing XXXX percent accurate.

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 2021-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
CONSUMER ADJUSTMENT COMPANY INCORPORATED placed a collection notice on my credit. I contacted them about it and their agents were being childish and failed to disclose any information about it at all and simply were pushing me to pay the debt instead of validating it. i researched the company and they do this a lot. I have a sense that they bought my information somewhere and filed this debt scaring me into paying. This is their business model. They have no business relationship with U XXXX XXXX as confirmed by U XXXX XXXX. They should be investigated and provide appropriate contracts they have with their clients and how they got my information from steps A to Z. I will also be reaching out to my attorney about this matter since this company has a whole class action group of people it has been trying to take advantage of. I expect the CFPB to take this seriously. Simply do a XXXX search on this company and inquire of them how they got my information and what relationship they have with U of XXXX XXXX because I have in writing from U of XXXX and their XXXX that they do not have any relationship with them. This is also ruining my credit right now when I am house shopping and other things. I am expecting some penalty to be paid to me for my damages. This company claims they tried to validate the debt. This is false. I called twice because they were childish and pushing me to pay. They should release copies of the phone call. Their reign of terror over victims should be over and CFPB should lead the way. Just XXXX their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX Macys XXXX XXXX credit card was removed from my credit report, because of fraud. In XXXX XXXX XXXX placed the account back on my credit report with a new account number. At current this fraudulent information is affecting my credit score. XXXX XXXX is in Violation of Federal credit laws include the Truth in Lending Act ( TILA ), the Fair Credit Billing Act ( FCBA ), the Equal Credit Opportunity Act, the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ). I would like for this company to remove this information from my account immediately.

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 2021-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: CO

Complaint narrative:
I was in the process of refinancing my existing Mortgage with Flagstar Bank, XXXX, Michigan. About a month ago this bank notified me my social security number had been exposed due to a data breech. Now during the refinance a loan processor named XXXX XXXX sent mine and my significant others pdf file by regular email with our full social security numbers. This is unheard of and has caused me great distress and contacting credit to put fraud alerts.

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 2021-06-01 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: Nelnet, Inc.
State: MD

Complaint narrative:
XXXX has not responded to numerous complaints about an error on my report. This has made it impossible for me get approved for a home in XXXX, where my family is. The loans on my report are double what I actually owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mid-South Adjustment Co., Inc.
State: CA

Complaint narrative:
I have previously submitted a complaint about two medical collections that are errors. My medical insurance informed me that my coverage should have covered the cost however, I was still being billed. The alleged amount owed got turned over to the collection agency " Midsouth ''. I have not received any responses in writing as requested. This is a violation as I am doing my due diligence in trying to communicate properly to resolve this matter. XXXX  is the only bureau to report this error. Why can't XXXX  do their due diligence like the other two bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: OH

Complaint narrative:
I received an alert of a hard inquiry on my credit that I did not authorize. The inquiry was on XX/XX/2021 with XXXX Bank. It is on the Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Received notification from the credit agency that is monitoring my credit ( XXXX XXXX  ) informing me that my MACY credit card was closed, when reaching out to MACY customer service was inform that they closed account without informing consumer?! no email/text or regular mail notification ; i ask is this a fair practice?! as per manager XXXX when contacted XX/XX/21, which she sounded cold and no empathy ( given that FACT i've been effected by the covid situation this past year-which XXXXe way or other effected my credit score ) about the situation of account being closed..

during conversation manager did not give any explanation just stated " we could do what we want as a company '' without no obtions or alternatives, kept stating i signed a contract which states they could cancel account whenever they want ....?! 

please advise and assist in this situation ... 
thank you..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: PA

Complaint narrative:
There is currently a charged off XXXX XXXX XXXX item on my credit report. This item is NOT mine. I have tried disputing it with both the company and all 3 bureaus. I even, while telling XXXX XXXX that I did not agree it's mine, paid it off, just to get the invalid item removed. I was told that if I paid it off, even though I don't owe it, that they would remove it entirely. As it turns out, they lied and are now going back on their word. When I've asked XXXX XXXX to validate in any way shape or form all they do is respond and tell me they have correspondence from my email and phone number but they have yet to provide me proof of such correspondence. 
I then disputed this with the bureaus. It came back verified as mine, which is impossible, because it isn't. When asked how it was verified and to provide me proof of the method of verification, I have received nothing. So neither first premier, nor the credit bureaus have supplied me with any verification that this is mine. Yet I have provided my FTC Identity Theft report, correspondence with local police, correspondence with a consumer rights attorney showing that other items have been removed due to identity theft, and yet XXXX XXXX persists. 
I paid a debt I didn't owe, on a promise it would be removed. I would like it removed since neither XXXX XXXX nor the credit bureaus can provide me concrete validation and verification that this debt is mine. I've asked for a signature, an IP address linked to me, anything, but nothing is given. 
I am currently commuting 6 hours daily to take my daughter to and from a XXXX center for treatment. The ONLY reason I can not secure closer housing is this erroneous XXXX XXXX charge-off. I ask that the bureaus remove it immediately since it has been over 60 days with no verification received.

Company response to consumer: Closed with explanation