vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Re : Formal Complaint Against PHH Mortgage Services for Violations of Federal and California Laws Dear CFPB, I, XXXX XXXX, hereby submit this formal complaint against PHH Mortgage Services for their egregious mishandling of my mortgage assistance application and their failure to comply with applicable federal and California laws. 

PHH Mortgage Services has made false and misleading statements regarding their receipt of my mortgage assistance application, which included all requisite documentation as mandated under both the Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2601 et seq., and the California Homeowner Bill of Rights ( XXXX. XXXX. XXXX XXXX XXXX XXXX. ). Their actions constitute a clear violation of these statutes, which are designed to protect consumers from predatory and deceptive practices in the mortgage industry. 

To substantiate my claims, I provided PHH Mortgage Services with unequivocal evidence, including written confirmation of receipt of my application and supporting documents. Despite my diligent efforts to ensure that all materials were submitted correctly, I have received no response from PHH Mortgage Services to my correspondence, thus demonstrating their continued neglect and disregard for legal obligations. 

PHH Mortgage Services ' consistent failure to acknowledge and process my application represents a blatant attempt to facilitate an unlawful foreclosure on my home. This pattern of behavior is not isolated, as PHH Mortgage Services has faced litigation for similar violations in the past. Notably, they have been sued for failing to adhere to RESPA regulations, which underscores the systemic issues within their operations. 

I request that the CFPB conduct a thorough investigation into PHH Mortgage Services ' practices, as their actions violate not only federal law but also California state law, specifically the California Homeowner Bill of Rights. I urge you to take appropriate enforcement actions to hold PHH Mortgage Services accountable for their misconduct and to ensure that they are compelled to comply with the law moving forward. 

Thank you for your attention to this matter. I look forward to your prompt response and the initiation of an investigation into these serious allegations. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My account had got hacked and someone removed money from my account I tried to get it back from the bank they said they were not able to do it because of the type of account it was. So I lost almost {$800.00}. Then I use XXXX to pay for a service but never got the service done because they were scammers I tried to get my money back but because it was XXXX I was told once something is sent it could not be refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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:
Subject : Dispute of Fraudulent XXXX XXXX XXXX Account Reporting To Whom It May Concern, I am writing to formally dispute the reporting of a fraudulent account under the name XXXX XXXX XXXX that is inaccurately listed on my 3 bureau, ( XXXX, XXXX, and TransUnion ) credit report. I want to make it unequivocally clear that this account does not belong to me, and I request its immediate and permanent deletion from my credit file. 

As required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, TransUnion is obligated to investigate disputed items and ensure that all information reported is accurate, complete, and verifiable. 

Any additional documentation that substantiates my identity and confirms that this account is fraudulent. 

This account was established without my knowledge, authorization, or consent, and its presence on my credit report is both harmful and inaccurate. I demand the following actions : Immediate investigation of this dispute as required under the FCRA. 
Permanent deletion of the XXXX XXXX XXXX account from my credit report if the account can not be verified as legitimate. 

Written confirmation that this fraudulent account has been removed and that the dispute process has been resolved. 

Failure to properly investigate or remove this fraudulent account will result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory bodies for FCRA violations. 

Please address this matter promptly and respond to my dispute in writing within the legally required 30-day timeframe. I appreciate your immediate attention to this serious issue. 

Sincerely, XXXX XXXX

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 2025-01-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Dispute of Fraudulent XXXX XXXX XXXX Account Reporting To Whom It May Concern, I am writing to formally dispute the reporting of a fraudulent account under the name XXXX XXXX XXXX that is inaccurately listed on my XXXX bureau, ( XXXX, Equifax, and XXXX ) credit report. I want to make it unequivocally clear that this account does not belong to me, and I request its immediate and permanent deletion from my credit file. 

As required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, XXXX is obligated to investigate disputed items and ensure that all information reported is accurate, complete, and verifiable. 

Any additional documentation that substantiates my identity and confirms that this account is fraudulent. 

This account was established without my knowledge, authorization, or consent, and its presence on my credit report is both harmful and inaccurate. I demand the following actions : Immediate investigation of this dispute as required under the FCRA. 
Permanent deletion of the XXXX XXXX XXXX account from my credit report if the account can not be verified as legitimate. 

Written confirmation that this fraudulent account has been removed and that the dispute process has been resolved. 

Failure to properly investigate or remove this fraudulent account will result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory bodies for FCRA violations. 

Please address this matter promptly and respond to my dispute in writing within the legally required 30-day timeframe. I appreciate your immediate attention to this serious issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I have a credit card called the Chase Freedom Card with JP Morgan chase. 

In XX/XX/year>, I was shocked to find out that my card had been used without my authorization on XXXX. I don't use XXXX 

The charges were : XX/XX/year> XXXX XXXX  {$210.00} XX/XX/year> XXXX  TRANSACTION FEE  XXXX XX/XX/year> XXXX XXXX {$17.00} XX/XX/year> XXXX  TRANSACTION FEE {$0.00} XX/XX/year> XXXX XXXX  {$18.00} XX/XX/year> XXXX  TRANSACTION FEE {$0.00} XX/XX/year> LATE FEE {$17.00} ( Related to fraud charges ) XX/XX/year> XXXX XXXX {$19.00} XX/XX/year> XXXX  TRANSACTION FEE {$0.00} XX/XX/year> LATE FEE {$40.00} ( Related to fraud ) XX/XX/year> PURCHASE INTEREST CHARGE {$1.00} I THEN RECEIVED ADJUSTMENTS ON ALL OF THESE PURCHASES. MADNESS. I WAS ROBBED. 

So I called chase card services. I got in touch with a fraud specialist, and they promptly helped me to remove the charges from my account. 

They recently tried to call me, but I was unable to pickup due to going through some marital problems and not having the time between personal family challenges and my demanding work. 

They closed the case automatically and put those charges back on my account. I did not make those purchase it was fraud. Period. I don't have access to a go daddy account. I am not getting any value. I was just robbed. I've been a customer for years with chase, and I don't think I've ever had to file this claim except for one other time in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I need your help to review accounts from companies incorrectly reporting late payments. After being laid off, I asked them to forgive these payments, and they agreed, but they are still marking them as late. I have reached out to them with no response, so Im turning to you as my final option.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank is committing fraud bank practices with all of its clients and customers. They are manipulating clients ' and customers ' accounts or credit card accounts. They are not informing their clients and customers of these changes like reducing the credit limit on their credit accounts or credit cards that they qualified for years ago. They also do not give any legal reasoning for these new changes.

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 2025-01-15 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: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Made a payment using my debit card had enough money in the account. The charge was placed on hold once the charge went through other things came out and I was assessed a overdraft fee plus insufficient fund fee, but I had the money in the account which caused my account to go XXXX  of dollars Overdrawn and Im playing catch-up as we speak. call bank they stated they were only able to refund XXXX overdraft fees out of probably XXXX or more..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
I am disputing a debt that a third-party collection agency is attempting to collect. The debt amount is inaccurate, and the collection agency has not provided the necessary documentation to verify the debt, such as the original creditor information or an account number. 

Details : The collection agency has not contacted me regarding a debt I do not recognize. Instead information has popped up on my credit report. 

The amount they claim I owe is incorrect, and they have failed to provide detailed information to substantiate their claim. 

The agency 's failure to validate the debt has caused stress and has impacted my financial well-being, as they are threatening to report or have already reported the debt to credit bureaus.

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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Experian, XXXX, and XXXX are not legally bound to report bankruptcy in my account, let alone an inaccurate ones. They are violating my right! Please remove the Bankruptcy record in my report as soon as possible.

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 2025-01-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Debt Co LLC
State: AR

Complaint narrative:
I received a letter to collect a debt instead of a letter of debt validation with wet signature the company sent back a letter with a forged signature that wasn't mine. I received this letter XX/XX/XXXX and the signatures that are on this document were dated for XX/XX/XXXX. I wasn't going by XXXX XXXX at that time. I would like to request legal actions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CO

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving the users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Frost-Arnett Company
State: TX

Complaint narrative:
Dear, I am writing to formally file a complaint regarding the unprofessional and rude behavior of one of Frost-Arnett debt collection agents. On XX/XX/year>, at XXXX XXXX, I was contacted by an agent from this company, agents name I believe XXXX, and I found their conduct to be inappropriate and disrespectful. 

Specifically, the agent used offensive language and started screaming at me because I was asking for more details on the debt they are referring to. She was overly aggressive, made threats, spoke in a condescending manner. I understand that debt collection is a sensitive matter, but I believe that all communications should be handled respectfully and professionally. 

I request that you look into this matter and take appropriate action to address the agents behavior. I would also appreciate confirmation of the actions taken to resolve this issue. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 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: Early Warning Services, LLC
State: CA

Complaint narrative:
Unfortunately I was subject to fraud with Zelle and lost hundreds of dollars. There was no safety information and precautions when it first began, this was not investigated properly.

Company response to consumer: Closed with explanation