vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
On XX/XX/XXXX I had to go on XXXX because when I walk I was off balance. I work at a XXXX XXXX and you always have to be steady on your feet at all times. For eight hours in a day my duties consist of walking the unit to to keep track of the patients every fifteen or five minutes, I have to be with a patient for and hour if a one to one monitoring is required and during that one hour I may have to help the patient on to the toilet, patients need to go to have lab work done so now I have to get them there in a wheelchair, I have to bend to put on the patient shoes and carry heavy items when needed. I called my mortgage company to let them know I was not working and I was told they would research and see what I qualified for and not to worry. I received a Mortgage Assistance Application filled it out and mailed it on XXXX XXXX I was advised the process took about thirty days for the team to review. Each time I was requested to submit something else they needed and each time it was another thirty day for review the understanding was PHH Mortgage was going to see if my back due mortgage payments could be put to the back of my account so the account can be current. However I received notification from them dated XX/XX/XXXX that I didn't qualify because I was ninety days past due. I did pay my mortgage for XXXX and XXXX. So I was denied the program called Helping Homeowners Modification and Streamline Modification. So I just received documentation from PHH Mortgage dated XX/XX/XXXX the documents is Understanding Net Present Value ( NPV ) I don't understand it and I must get help from someone who does. Also, if I don't agree with their decision I have XXXX days to appeal ( I received this packet on XX/XX/XXXX, plus according to their records, the owner of the loan is XXXX XXXX XXXX XXXX XXXX. I feel that PHH Mortgage is trying to prolong the process so they can foreclose on my property. I worked on one job for eighteen years in XXXX the company decided to move out of NJ so what was invested I had to put it in a IRA Roth account, meanwhile trying to get another job bills had to be paid including my mortgage and over time I ended up spending what was suppose to be my retirement in the future. I've had my home for over twenty years and I've put my retirement investment into my home to keep a roof over my me and my children 's heads. I've called programs for mortgage assistance and no one seems to be able to help me. I'm trying to get assistance from my job I've submitted and application XX/XX/XXXX, however I will not know if I've been approved until thirty days from the date of XX/XX/XXXX. I'm also waiting to be approved for XXXX XXXX XXXX. I can not lose my home, please I hope someone can help 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 explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I requested for the following inquiries to be removed form my account which either I do not recognize or have any open accounts associated with. They were removed from one bureau but still persist on my Transunion and XXXX reports. Please remove this inaccurate information 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 2024-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NJ

Complaint narrative:
I had written XXXX XXXX about my credit card issues. I wrote them to discharge my credit card by sending them a billing error in the amount of {$3900.00}. Once the letter was received XXXX XXXX closed my account. I proceed to get a XXXX XXXX XXXX done and to find out that they have been selling my securities to a third party, made over XXXX XXXX dollars off my securities and would have the nerve to say I owe them money for an open-ended consumer credit card? They'd took my application, then securitized it in their Trust Account be the way that I don't even have a contract with violating the SEC. Then once securitized was sold to a third party. They have violated my consumer rights as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-02-07 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: MD

Complaint narrative:
I have the right to ensure that my private information is not shared without my consent. The Fair Credit Reporting Act and other laws protect my privacy and require consumer reporting agencies like XXXX and XXXX to exercise fairness, impartiality, and respect for my privacy. These agencies need my written instructions to furnish my information to financial institutions. However, I have not given my consent for them to share my information, and they have not informed me of my right to exercise my nondisclosure option. Additionally, they are reporting adverse information about my account without my permission, which is against the law. The agencies are also required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. I have the right to opt out of their reporting at any time.

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 2024-02-07 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have the right to ensure that my private information is not shared without my consent. The Fair Credit Reporting Act and other laws protect my privacy and require consumer reporting agencies like XXXX and Experian to exercise fairness, impartiality, and respect for my privacy. These agencies need my written instructions to furnish my information to financial institutions. However, I have not given my consent for them to share my information, and they have not informed me of my right to exercise my nondisclosure option. Additionally, they are reporting adverse information about my account without my permission, which is against the law. The agencies are also required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. I have the right to opt out of their reporting at any time.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights 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 explanation
Consumer complaint received 2024-02-07 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: CA

Complaint narrative:
Report Identity Theft Statement : Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. second time putting them on notice. ignorance of the Law is not an excuse. FAIR CREDIT ACT 15 USC 1682 SECTION 603 AND 15 USC 6802 ( b ) ( c ) AND 15 USC 1681C ( a ) ( 5 ) This account is fraudulent. This account all due to Identity Theft. 
I have never had an account with XXXX XXXX XXXX. Collection Agency : XXXX XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX  : Amount {$2900.00}

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 2024-02-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Report Identity Theft Statement : Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. second time putting them on notice. ignorance of the Law is not an excuse. FAIR CREDIT ACT 15 USC 1682 SECTION 603 AND 15 USC 6802 ( b ) ( c ) AND 15 USC 1681C ( a ) ( 5 ) This account is fraudulent. This account all due to Identity Theft. 
I have never had an account with XXXX XXXX XXXX. Collection Agency : XXXX XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX  : Amount {$2900.00}

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 2024-02-07 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: CarMax, Inc.
State: AR

Complaint narrative:
In accordance of the fair credit reporting ACT. The creditor CarMax Auto Finance has violated my rights under 15 USC 1681 section 602 that states I have a right to privacy. 15USC 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B A creditor may not treat a payment on a credit card or any other account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: PA

Complaint narrative:
To whom this may concern ; My name is XXXX XXXX I am a Federally protected consumer. And I have notice several FCRA/FDCPA Violations on my consumer report by a few credit reporting agencies. Violation that were done 15 usc 1681, 15 usc 6802. Just to name a couple. I would greatly appreciate if these Inaccurate/ Fraudulent accounts be removed from my consumer report immediately.

This is not a 3rd party filing this report. This is me a Natural person. 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 non-monetary relief
Consumer complaint received 2024-02-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To whom this may concern ; My name is XXXX XXXX I am a Federally protected consumer. And I have notice several FCRA/FDCPA Violations on my consumer report by a few credit reporting agencies. Violation that were done 15 usc 1681, 15 usc 6802. Just to name a couple. I would greatly appreciate if these Inaccurate/ Fraudulent accounts be removed from my consumer report immediately.

This is not a 3rd party filing this report. This is me a Natural person. 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 2024-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo is fighting me on every insurance policy they require I hold. 

The company keeps claiming they have NOT received insurance renewal details, though XXXX claims they sent the renewal information to Wells. My last attempt to update the building 's mater policy was met with " that's not good enough. '' They told me I had to add special endorsements to the bottom of the master policy in order for Wells to accept the updated details. 

This always leads to my trying to contact the insurance department, but they don't seem to take calls on the published number. The phone router requires endless inputs, but will not allow me to speak to a rep. 

My mortgage was sold to Wells Fargo. I did not want to be with this company as they tried to take funds from the escrow account. It seems now they are rejecting every insurance policy update and make as difficult as possible to provide acceptable proof of insurance so they can sell me an overpriced new policy. This type of harassment should not be allowed, and they should not be able to profit from selling insurance on mortgages they service. I have NEVER had a lapse of insurance. 

Our condo staff roll their eyes when I tell them I need insurance details for Wells Fargo and have stated they are, by far, the most difficult to deal with. 

I don't believe Wells Fargo is an ethical company, and I would not have selected them, but because they are allowed to buy mortgages, I am stuck their harassment. I'm guessing they want me to go to another lender so they can offload this low interest loan. 

I now have to spend time a few times a year on hold hoping I'm lucky enough to speak with a rep to prevent them from buying insurance 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 explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I believed I had a job offer lined up and needed to purchase equipment. Wells Fargo allowed me to mobile deposit checks from my employer into my account. One was {$4100.00} and the other was {$4900.00}. I then sent the money to who I thought was a vendor for my equipment. Wells Fargo cancelled both of my accounts and have them on hold until XX/XX/XXXX. I have very limited funds. I sent {$2300.00} via XXXX on XX/XX/XXXX and {$2000.00} on XX/XX/XXXX. I also sent {$4400.00} over XXXX. I have reported all of these transactions as fraud to both Wells Fargo, XXXX, and XXXX. It was not until I had sent the money that Wells Fargo closed my accounts and reported me for fraud. I was scammed.

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 2024-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: IA

Complaint narrative:
On XX/XX/XXXX I had a client play a bill through my square credit card processing account and immediately they froze my account. The payment was by a large company and the XXXX XXXX XXXXXXXX so theres no fraud. Now my account is frozen and I was told no more then 24-48 hours. I was told that an email was sent with documents I needed to sign but thats false. I am a XXXX XXXX with limited capital and need this money to survive and they wont respond at all. The phone number that they provided wont connect and emails get me no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
I was waiting on a debit card for about Eight months ago From my Chime account I was sent via email from Chime and through phone. I was contacted by people claiming to be chime agents to help me with my debit card process I received a email from Chime stating the day I will receive my new debit card Unfortunately I didn't realize they were scamming my bank account with a app called anydesk and while I was working i never noticed my account was completely withdrawn to nothing and I never received any notifications from Chime about my account activity getting withdrawn in one day so fast until the next night out from work realizing I have no money for my bills or to eat I had to call Chime and i made a dispute with Chime cause the XXXXXXXX XXXX XXXX XXXX. which stated card holders will not be responsible for unauthorized charges i also gave the Dispute agent at Chime the police report and number also The FTC report and number. & attached the evidence of the email and phone numbers they used and sent to me and the transactions of the total of my account which was withdrawn so Chime can start a thorough investigation like they told me. Chime sent me a email the next day with no thorough investigation stating after investigation with partners no errors had been made on your account you will not be refunded any refunds. I also requested the documents used for the investigation and they just sent me a screenshot of the bank statements I emailed to Chime for the investigation. help best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc.
State: GA

Complaint narrative:
ONCE AGAIN. My credit is messed up because of your companies lack of care or sense of urgency. Why am i just now getting approved for the partial claim when i initially put in the request in XXXX. Your 'protections ' of my credit until XXXX was an absolute lie. now my credit shows that i am over 180 days past DUE after signing the partial claim and because of your lack of urgency when it comes to taking care of your customers who by the way did not choose y'all in the first place. FIX MY CREDIT. my credit has dropped over XXXX points today because of y'all and the lack of you trying to fix your issues. PLEASE FIX MY CREDIT. do you know how much financial strain and stress you put on me when y'all do this??? THIS IS UNACCEPTABLE and FRAUDULENT AND INACCURATE INFORMATION. FIX MY CREDIT. I DID EVERYTHING i was supposed to do regarding the partial claim I DID NOT SLACK, i followed up ACCORDINGLY and no one ever had an update y'all are CRUEL. I pray there is not a time where i fall into another financial hardship and have to deal with the stress of people not doing their job. FIX MY CREDIT.

Company response to consumer: Closed with explanation