vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-10 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: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Just received my XXXX dispute report number XXXX. XXXX XXXX needs to provide how they verified to XXXX this account that was due to fraud and identity theft, if you never retrieved the XXXX police reports even though the police report numbers were given to you all yet you failed to request the documents from the local police department. How can you legally verify a debt to XXXX and Trans Union as 100 % verified and accurate without retrieving the police report documents? Instead reporting back to the credit bureaus this debt is 100 % complete and accurate? You have failed to do a 100 % complete and accurate investigation and reported this debt anyways. I am seeking damages for these violations and gathering up all necessary documentation.

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 2021-09-10 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Just received my Experian dispute report number XXXX. XXXX XXXX needs to provide how they verified to Experian this account that was due to fraud and identity theft, if you never retrieved the XXXX police reports even though the police report numbers were given to you all yet you failed to request the documents from the local police department. How can you legally verify a debt to Experian and XXXX XXXX as 100 % verified and accurate without retrieving the police report documents? Instead reporting back to the credit bureaus this debt is 100 % complete and accurate? You have failed to do a 100 % complete and accurate investigation and reported this debt anyways. I am seeking damages for these violations and gathering up all necessary documentation.

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 2021-09-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/2021, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT THE FOLLOWING ACCOUNT IS FRAUDULENT. 
XXXX XXXX AND EXPERIAN WILL NOT REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. 

XX/XX/2016 XXXX XXXX XXXX  XXXX {$300.00}

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 2021-09-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
OCWEN performed illegal actions in line with the definition of a predatory lending institution. Our 1st and 2nd Mortage were both bought out by Ocwen XXXX by companies that had gone bankrupt LItton/GMAC. We received false documents stating our loans were late, in danger of foreclosure, and payments programs were no longer being honored. After being denied for a HARP refinace program since our loans were current, we signed a Loan Modification Equity Share ( XXXX ) in distress as Ocwen was placing our split payments into a forbearance account and not crediting them to our balance which caused us to enter an Equity Share program for our 1st Mortage to avoid foreclosure.

Ocwen stated our refinanced balance was $ XXXX and we would owe 25 % of all future equity above $ XXXX when we sell or refinance of our house. OCWEN deferred the balance of our refinance agreement to $ XXXX increasing their value of the equity share from $ XXXX to $ XXXX since our payoff is now based on an appraised value of $ XXXX. 

Ocwen also breach the contract with our 2nd Mortgage when they took over our loan from GMAC which part of an Equity Acceleration program making bi-weekly payments which OCWEN acknowledge based on continuation of the payment agreement. OCWEN performed unauthorized transactions from our XXXX XXXX XXXX account outside of the agreed upon dates in XXXX which forced us to cancel our XXXX XXXX XXXX Account and terminate their ability to make random auto drafts without our authorization. OCWEN then changed their name after multiple Class Action Lawsuits when created PHHXXXX to service our loans, bouncing the 1st and 2nd Mortgages between to the two entities and continuing to send us false statement stating our accounts are behind. 

We are unable to refinance or purchase a new home without penalty as OCWEN is using tactics that they have already been deemed as guilty in previous court cases.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: WI

Complaint narrative:
Chime " XXXX '' Refused rebuttal when they offered me for amount of XXXX which was denied. 

MY REFUND has been sitting for 75 days for said XXXX Chime disputes says they offered me a rebuttal and I said I want my XXXX that isn't supposed to be taken out since XX/XX/2021. 

Chime DENIED my refund AFTER XXXX was refunded and then XXXX was taken out again. 

CHIME was notified via APP customer service I have been fighting to get my XXXX back THEREFORE BAD BANKING LAWS, ILLEGAL ACTIVITY WRONGFUL REFUNDS HANDLING. 

I have screenshots and photos of dates and what happened. 
I was NOT given an offer rebuttal! 
SHUT DOWN CHIME!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: PA

Complaint narrative:
I've been repeatedly disputing this account with XXXX and Equifax, and I do not believe they have conducted a proper investigation into this account. I have also disputed this account directly with the collection company as well. It is my understanding that the FCRA states that an account that is in dispute can not be reported. It is also my understanding that the credit bureaus have 35 days to conduct a reasonable investigation, and I have waited that time period out several times, without anymore than a verification of the account. They have never told me how they verified it, why they did, or any of the information that they collected during their investigations. I am entitled to information. I am entitled to a reasonable investigation. I am entitled to these things within a timely manner! Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted the credit bureau 's on XX/XX/2021 and XX/XX/2021 in regards to some accounts either placed on my account in error or as a result of identity theft it is XX/XX/2021 and the accounts continue to report on my credit report. I went to the police department and advised that I may be a victim of identity theft but the officer stated that I should write the creditor and request additional information in regards to the account however I have not received any response from the credit bureau or the the furnishers. I submitted an identity theft affidavit, identification, and proof of address with no response and the bureau 's have failed to respond so I sent a follow up letter on XX/XX/2021 in which I still haven't received a response. I have since spoken to an attorney who states if I hire them they feel confident that they can obtain the deletion and compensation for damages.

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 2021-09-10 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Went to XXXX XXXX on vacation for one week, while I was there on XXXX, I went to a fruit market on the side of the road called XXXX XXXX XXXX XXXX XXXX and bought a couple of pieces of fruit. I used my Citibank XXXX XXXX card to purchase what was about {$3.00} of fruit. When I went home I realized on XX/XX/XXXX that my card was charged {$2200.00}. I contacted Citibank and filed a dispute with them, stating that I did not have proof of how much I should have been charged because I did not keep my receipt. I attempted to contact the merchant directly via XXXX and XXXX on XXXX and XX/XX/XXXX respectively but no one ever responded to my messages. Citibank sent a letter on XX/XX/XXXX asking for proof of the transaction. I called Citibank on XX/XX/XXXX to explain that I do not have proof of the transaction and spoke to a supervisor who stated to respond to letter about not having a receipt. I mailed my response on XX/XX/XXXX because I wanted to wait for the merchant to respond. I explained in my letter the situation on how I did not have the receipt and could not get it despite my attempts to reach out to the merchant. It was mailed to be next day delivery. On XX/XX/XXXX I received a letter from Citibank that because I could not provide any proof of the transaction, my dispute is closed and I have to pay the total amount. On XXXX I called Citibank who stated that it was a MasterCard issue regarding the lack of evidence of the transaction and that there was nothing else Citibank could do. On XX/XX/XXXX Citibank was called again for clarification about the issue and that no appeal could be made on the dispute unless proof of transaction was provided.

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 2021-09-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CarMax, Inc.
State: PA

Complaint narrative:
my vehicle was unlawfully seized. The law is very clear on this matter ; 15 U.S. Code 1692e.False or misleading representations- ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the XXXX, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: EQUIFAX, INC.
State: DC

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: DE

Complaint narrative:
Security credit services XXXX XXXX XXXX, XXXX XXXX XXXX to ( XXXX ) XXXX has been sending me collection notices in the amount of {$1000.00} assigned date XX/XX/2017 the collection has been reported as past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC
State: PA

Complaint narrative:
We refinanced with United Wholesale Mortgage in XXXX. We closed on XX/XX/XXXX, and signed a document that stated we were not in a flood zone. However, the second paragraph stated that if something changes, UWM can require flood insurance. On XX/XX/XXXX, we received correspondence stating that we were now required to purchase flood insurance. We have lived here for 11 years and never been required to purchase flood insurance, so I called and asked why and what had changed. They stated FEMA is saying we live in a flood zone. I have a survey of my property that was done when the lots were split and it shows that I am not in a flood zone. There is a stream running through my property, however my house is elevated and back from the flood zone. I have asked on three occasions to get the documents the company used before closing and the document that supports the change after closing. I have received nothing but the document I signed at closing. My last call, the rep stated that my survey was not in my file ( I submitted it during the refinance ) and I should upload it to the company webpage and she would send an email explaining the submission of the survey. This was yesterday the XXXX of XXXX, then I received an email telling me that my submission was insufficient or inaccurate, and I should call. When I called today the XXXX of XXXX because of the email I received, I was told to submit the documents again and she would send another email. I am getting the run around, this refi that was suppose to save me money has now cost me over {$2000.00} in flood insurance as well as an additional {$680.00} that UWM charged me for a lapse in coverage that I don't need! And that money went directly to them! I am not able to speak to anyone except the front line call center who can not help me and who several have been really rude. I have repeatedly asked to speak to a supervisor or someone in the insurance department and I have been told that is not possible. I am beyond frustrated, and because this happened I went and read reviews on the company, there are numerous bad reviews for the same exact reason of having to purchase flood insurance. There is definitely a pattern. If I had known that I would be forced to buy flood insurance, I would not have refinanced my mortgage. In addition I have contacted FEMA and was told that a survey of a property should be sufficient to provide to the mortgage company. I have attached a copy of the scanned survey, it is divided into 8 pages due to its size.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC
State: OK

Complaint narrative:
Received a money order from a person that had me work on their vehicle, and when I tried to cash it, it instantly got rejected, which made me be out of money out of gas in the XXXX parking lot with no service on my phone to contact anyone for help .... now getting turned into collections for something thats out of my control. AND when I call the number on the notice they sent me in the mail, its continues to say that number is not a working number... am I going to have to get a lawyer for all this because Im in the middle of something I have zero control of and I personally think its 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 explanation