vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: KS

Complaint narrative:
I wired my payoff to the mortgage company on XX/XX/2023. That following week they did not know where my money was at. Finally after a week of waiting I spoke to another agent who found the funds and told me they would take care of it. They have reported to credit bureaus that I am delinquent. They ended up returning my wore transfer and now I seem to not be getting anywhere with them. The mortgage company is PHH Mortgage. I called a lawyer in XXXX Kansas and they referred I make a complaint with you folks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I received a notice from my bank that another bank had run my credit today XX/XX/2023. The credit report shows it was TD Bank. I went to the local branch to find out who ran my credit without my approval and where. They say they have no way of identifying who could have done that. They asked me to fill out a Consumer Credit Report Dispute Form but the addresses to mail it to do not apply to what they have done. 
I then printed my credit report from XXXX which shows it was done by TD Bank and gives me a phone number to call. I have called that number and have been transferred to XXXX different people all with the same answer, " I don't know ''. Until I asked if they have a legal department and then they just hung up on me. 
I called back again and was transferred to the fraud department and they also have no way of checking who did this. All they can say is that there is no account in my name or credit card. 
There has to be more accountability on their part as a financial institution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
To Whom It May Concern : I am a XXXXXXXX veteran and run a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have recently become aware of some major hacks to my social security number and from their have started requests from the 3 major credit bureaus and the IRS in particular for help in correcting the situation. This situation has limited my ability to help the veterans as I was denied credit for not knowing false information was on my credit reports.

I am reaching for assistance regarding my credit report and the multiple times social security number has been hacked and used according to all XXXX major credit bureaus XXXX, XXXX and Experian. 
I have already requested an investigation from the Internal Revenue Service ( IRS ). 
I am including dates and items that I would like fully investigated and deleted from my credit reports. I have never heard some of these items. And now I am reaching out to you for help. 
In the following 15 U.S.C. Sec. 1681 ( a )? I am aware that if proof can not be provided, these accounts must be deleted.I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me, it is much appreciated.

The social security breaches occurred on the following dates according to all 3 major credit reports : Site : Number of Breaches Type of Information Dates of Records XXXX 3 Social Security Number/Phone number/ XXXX passwords XX/XX/XXXX XXXX  2 Social Security Number/ XXXX XXXX XX/XX/XXXX Unavailable 1 Social Security XXXX XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ Phone # / XX/XX/XXXXXXXX XXXX 1 Social Security Number/ Phone # XX/XX/XXXXXXXX XXXX XXXX  1 Social Security Number XX/XX/XXXX XXXX 2 Social Security Number XX/XX/XXXX XXXX XXXX XXXX investigate the following accounts and remove them this in not me. 
Account Name : XXXX Amount : {$110.00} Date XX/XX/XXXX Account XXXX Please investigate the following accounts and remove them from my credit reports Account Name XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$210.00} Date : XX/XX/XXXX Account Number : No Account Number Located Thank you for your assistance in this very important matter. 
Respectfully, 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 2023-04-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Account opened as a result of fraud
Company: COLUMBIA BANKING SYSTEM, INC.
State: OR

Complaint narrative:
Someone opened an account at Umpqua Bank without my knowledge and got insufficient funds out ( {$50.00} ). Called the bank and talk to a representative and they told me that I would have to go to FTC.GOV which preferred me to you guys ( cfpd ).

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 2023-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
This is not my debt. I never received any services from XXXX XXXX XXXX. Not have I received any information/ notices of what I am being charged for.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # 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 a account without my written instructions

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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wellfargo closed my accounts after more than 20 years in service with that company, the reason is that i am high risk customer because over several months i cashed some third party check from same company which i had an agreement which. 
We run a small convenience store and cross street from us there is a scrap yards company that dispense check to customers so we had an agreement with that company that allow me to cash check for their customer since some of those customer do not have id or do not want to drive all away downtown to the bank or avoid high cash checking fee. 
so over more than eight months we have cashing that company checks over XXXX checks free when customer buy something from store. 
We apply for check cashing licence with XXXX but because of the volume of checks cashed which is less than XXXX a week banks refused to open us a money service account. 
I was surprise when the bank send me a letter closing all my account and holding a large amount of money from my saving account saying that i can not cash a third party check without going thru the process of cash checking. 
I contacted the financial manager of the recycling company so he can clarify the issue but wellfargo refused to speak to him. i tried 3 ways phone call they still refused to speaking to him saying that they can not speak to third party. 
I am very desperate right now, i falling on rent, store supply low, behind on employers wages.. 
wellfargo want us to bring all the individual with name on check to the bank with their id to confirm that its ok for us to cash their check and if they actually received money from us they know i am not able to do that there more than XXXX checks. all they should do is to contact the issuer of the check and the recycling company to verify if i am allow to cash their company checks please help. 
thanks

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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bridgecrest Acceptance Corporation
State: WI

Complaint narrative:
On XX/XX/2023 I reached out to bridgecrest for a certified bill in the amount of {$5700.00} but they provided no bill. I asked him to send me a certified copy of a legal binding contract that we both signed they did not provided it. This is my third attempt to get a bill from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: TX

Complaint narrative:
US Department of Education, XXXX XXXX, and all 3 Credit Bureaus are reporting that I attended XXXX XXXX. I have never attended XXXX XXXX, I even reached out to XXXX XXXX XXXX XXXX on XX/XX/XXXX  in regards to this matter they stated that they do not have any record of me ever attending their college. On XX/XX/XXXX  I have disputed this on my credit report several times and I have reached out to the US Department of Education as well, which they have given me wrong info in regards to this matter asking me do I live in Virginia I have never lived in Virginia, and I have never used the user name for the account on the studentaid.gov site. It shows I owe {$20000.00}, this has been a pitfall on my credit report for years. I have been fighting that I never attended XXXX XXXX XXXX XXXX and seems as though they don't care. I need this resolved ASAP Thanking you in advance, Victim

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 2023-04-17 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: MO

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
purchased airline ticket from XXXX XXXX using my American Express card on XX/XX/2023 in the amount of {$840.00} due to ill health had to cancel the trip then contacted XXXX XXXX and successfully canceled on XX/XX/2023 cancelation was completed within XXXX XXXX and XXXX XXXX guidelines XXXX XXXX has promptly issued full refund to XXXX XXXX I can see full amount credited in XXXX XXXX {$840.00} the XXXX XXXX does not list custom service phone number nor do they list customer service email on their entire site there is no way to request refund from them I've disputed the charge with American express and they are dragging their feet

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have sent they 4 Letters asking for a contract with my wet signature showing I owe this debt, they have failed to provide a contract that I have signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: NC

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached an FTC report with 3 fraudulent accounts and fraudulent inquiries

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 2023-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I was never served nor received any information about debt. Correspondence was sent to and older address I havent lived in over 7 years. Now my employer advised that I am going to have my wage garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BCA Financial Services, Inc.
State: FL

Complaint narrative:
I made an image test in XXXX XXXX XXXX. At the day of the test, I paid {$250.00} via credit card. Some months later the Hospital sent me a bill of {$870.00}. So, I called the Hospital and asked to them take out {$250.00} of that cost once I paid it prior the test. Furthermore, on XX/XX/2022, I called the Hospital and negotiated a discount. So, they accepted to receive more {$50.00} and END the charge. Then I paid more {$50.00}, totalizing {$300.00}. 
Recently, for my surprise, I received a debt collector letter, trying to receive {$820.00}. I disputed the debt and sent to them the documents which prove I paid the total cost of the service negotiated with the Hospital. However, they ignored my dispute and sent a new letter with rougher threats. These trying to receive more money than was agreed upon is causing a lot of stress, because I thought I could trust on the deal I made with the hospital. It is a lack of transparency and honesty.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
in XXXX of 2022 XXXX XXXX  received 6 ERC checks from the IRS. I DEPOSITED them in my navy federal account.they put a 14 day hold on the checks after 14 days the funds were relesed into my account. 8 days later that removed the money from my account and stated the checks were fraudlant and returned back to the IRS. I CONTACTED THE IRS THEY WERE NOT SURE WHY THE BANK WAS STATING THE CHECKS WERE FRAUD BUT THEY DID confirm they never received the checks back.i was told to do a tracier with the dept of treasury because i never received the funds. once the trace was completed it was deemed that navy federal still had the checks and it was nothing they could do because i signed and deposited the checks. i then contacted the bank again they stated that the checks were deemed most likely fraud by the check verfication dept because it was 6 of them. but they were never paid for the checks so they are not relasing any more info to me.

i obtained a tax transcript from the IRS showing the checking were sent out to me and no funds were never sent back on my behalf.

navy federal also closed my account due to high risk activity and cause all the otherf banks to close my accounts as well.this has effected my business terribly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
To Whom It May Concern : I am a service-disabled veteran and run a charitable 501c3 www.vetsandhorses.org that saves wild mustangs and assists our nations veterans with suicide. I have recently become aware of some major hacks to my social security number and from their have started requests from the 3 major credit bureaus and the IRS in particular for help in correcting the situation. This situation has limited my ability to help the veterans as I was denied credit for not knowing false information was on my credit reports. 
I am reaching for assistance regarding my credit report and the multiple times social security number has been hacked and used according to all 3 major credit bureaus Transunion, XXXX and XXXX. 
I have already requested an investigation from the Internal Revenue Service ( IRS ). 
I am including dates and items that I would like fully investigated and deleted from my credit reports. I have never heard some of these items. And now I am reaching out to you for help. 
In the following 15 U.S.C. Sec. 1681 ( a )? I am aware that if proof can not be provided, these accounts must be deleted.I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me, it is much appreciated.

The social security breaches occurred on the following dates according to all 3 major credit reports : Site : Number of Breaches Type of Information Dates of Records XXXX 3 Social Security Number/Phone number/ XXXX passwords XX/XX/XXXX XXXX 2 Social Security Number/ XXXX XXXX XX/XX/XXXX XXXX XXXX Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ Phone # / XX/XX/XXXX XXXX 1 Social Security Number/ Phone # XX/XX/XXXX Dark Web 1 Social Security Number XX/XX/XXXX XXXX 2 Social Security Number XX/XX/XXXX XXXX XXXX Please investigate the following accounts and remove them this in not me. 
Account Name : XXXX Amount : {$110.00} Date XX/XX/XXXX Account XXXX Please investigate the following accounts and remove them from my credit reports Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$210.00} Date : XX/XX/XXXX Account Number : No Account Number Located Thank you for your assistance in this very important matter. 
Respectfully, 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 explanation