vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX  was supposed to remove account off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
Representative from the Phoenix Recovery Group constantly harasses me with foul and vulgar language about a debt they claim I owe. The harassment escalated when I disputed their claims with the consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: IL

Complaint narrative:
Date : XX/XX/XXXX Remittance Company : Remitly Reference number : XXXX Amount : {$1300.00} USD Bank involved : XXXX ( XXXX ) I was sent a message on XX/XX/XXXX that the funds were delivered to the recipients account. 
But upon checking with my sisters bank account, nothing was credited. 
Numerous attempts have been made through the remittance companys phone number and chat service, but i was kept on hold for several times and have to wait for hours with no resolution on the problem. 
Today, XX/XX/XXXX, I demanded a refund of my hard-earned money, but all Im promised is a 24-hour call wait again. This promise has been their excuse for the past 2 weeks now, and its causing me a significant inconvenience to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My online account locked by credit card company and I tried calling them during the covid times but they didn't respond to the issue. XX/XX/2022, I tried explaining this to Citi bank and requested them to remove the interest charges as its not my fault but they didn't. I received call from company executive team regarding the issue after I raised it from CFPB, they agreed that my account was locked and I re-registered the credit card but still asked me to pay the completed amount. 
I tried calling citi bank many times, they acted as if they don't care. I tried explaining the situation and resolve it but they were adamant and locked my account while I was on chat with the customer care. 
Even the executive customer service member was like you own a credit card you pay the bill, in the same call she looked at my log on records and told me about the re-register situation after customer service resolved the issue.

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 2023-06-04 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 am interested in processing disputes on my credit report to delete all inaccurate information with transunion. alot of information is invalid. this has been an ongoing issue that has been hurting my file. please review an delete all data submitted to delete the inaccurate information asap.

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 2023-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: AE

Complaint narrative:
I hold an Platinum credit card account with American Express. One of their benefits offered with the card is a {$50.00} credit when making a purchase with a specific vendor, XXXX XXXX XXXX. I made a qualifying purchase on XX/XX/XXXX in the amount of {$67.00}. Amex issued the {$50.00} benefit credit on XX/XX/XXXX. 

The item was not received and was lost in the delivery process. The vendor provided a credit to reorder the item on XX/XX/XXXX. On XX/XX/XXXX, Amex charged me {$50.00} as a retroactive revocation of the benefit paid on XX/XX/XXXX. 

The terms and conditions of the cardholder agreement between American Express and myself state that the benefit amount can only be revoked under certain circumstances : " Statement credit may be reversed if the eligible purchase is returned/cancelled. '' or " If American Express, in its sole discretion, determines that you have engaged in or intend to engage in any manner of abuse, misuse, or gaming in connection with this benefit, American Express will not have an obligation to provide statement credits and may reverse any statement credits provided to you. '' I contacted American Express about the credit reversal and explained that I neither returned nor cancelled the order. I made a qualifying order that met all the conditions listed in the terms and conditions and was credited the benefit accordingly. The vendor provided a credit to reorder the merchandise based on it not being delivered. American Express responded that they would reverse the credit in any case in which the charge was reversed, even if it did not involve a return or cancellation. I asserted that their revocation and policy was not consistent with the terms and conditions, but they refused to change their position on the {$50.00} retroactive bill for the credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information on my Equifax credit report. information on all credit reports are not valid. this has been an on going issue that is hurting my file. please review an check out all details in the report to clear my file to correct my credit report asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: WI

Complaint narrative:
I was unemployed from XX/XX/XXXX to XX/XX/XXXX due to the pandemic. I was able to make intermittence payments ; nothing really consistent. However, I called to see if there was some assistance that Chrysler Capital had to help their borrowers. I was told no because, I had filed a XXXX  XXXX bankruptcy but, reaffirmed that vehicle. Never received any correspondences from Chrysler Capital from that point moving forward. 

Once employed full time, I made double payments to get caught up. On XX/XX/XXXX, the car was repossed while vacationing in Texas. While calling to set up the time to claim my belongings from the vehicle. The Customer Service rep shared that this car had been charged off in XX/XX/XXXX. And yet, i had been paying. 

As of today, I still have not received any documentations from the finance company regarding this car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
We have had our home mortgage through PHH mortgage since XX/XX/XXXX, and purchased for {$410000.00}. We put a minimum amount down due to the interest rate being so low. We new that once our loan amount was lower, or value increased, we would be able to drop our PMI. 

As of today, XX/XX/XXXX, our payoff is roughly {$370000.00}. The housing industry has vastly increased since we purchased our home. In XX/XX/XXXX, we payed PHH the requested amount to obtain a Broker Price Opinion. Multiple houses on our neighborhood with similar square footage have sold for over {$500000.00}. We were confident that based on this information our Broker Price Opinion would adequately reflect the market increase. Upon contacting PHH and requesting an update multiple times, we were advised that the BPO came in at {$420000.00}. Perplexed by this, we had them send us a copy of the appraisal. We were rather surprised to see that the appraiser forgot to include any of our fully finished walk out basement in the basement square footage portion of the BPO. The bedroom, bathroom, and number of rooms on the BPO repflected the rooms in the basement. Pictures of these rooms were also included in the BPO. We contacted PHH, who also has the original appraisal from XXXX, which reflects the basement square footage. The original appraisal was a fully in-depth appraisal performed by a state certified appraiser, not a real estate agent performing a broker price opinion. PHH said they were aware of this, and would take it into consideration, but also requested the legal description of our house. We submitted all information requested, even though they should have it. The most recent email from PHH is requesting additional legal documents that reflect the propertys square footage. PHH gave us the original mortgage based off our original appraisal showing a total square footage of XXXX. This appraisal was considered an acceptable documentation of our homes square footage when obtaining a loan from PHH.

We have gone back and forth, and PHH refuses to use our square footage from the original appraisal, and refuses to allow another BPO to include all of the homes square footage.

PHH is expressing predatory lending habits and is taking advantage of a XXXX veteran

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 2023-06-04 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: Experian Information Solutions Inc.

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXXXXXX XXXX - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXXXXXX XXXX  - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXXXX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report

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 2023-06-04 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: TN

Complaint narrative:
Im accordance with the fair credit reporting act XXXX  account XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Im accordance with the fair credit reporting act XXXX  account XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an 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 explanation
Consumer complaint received 2023-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
This complaint is a continuance of the complaint I filed with CFPB on XX/XX/XXXX, # XXXX. Company 's ( Caine & Weiner ) response of XX/XX/XXXX, stated that they would give me a chance to work with the XXXX ( XXXX ) to reach an amicable resolution with respect to the balance of the account, and closed the status as " Closed with explanation. '' As stated in my XX/XX/XXXX complaint that XXXX never gets back to me with an accounting, documentation or support of the debt. I have requested information/documentation and validity numerous times. I have made attempts to get accurate information from XXXX and Caine & Weiner from XX/XX/XXXX until XX/XX/XXXX. The amount owed continues to change and I feel that I have cooperated and have gotten no accurate information or validation of the debt. My detail of the CFPB complaint of XX/XX/XXXX # XXXX had over 46 pages of detail, emails, notes, reports all showing that they could not validate the debt, much less come up with an amount accurately or consistently. I am submitting Caine & Weiner 's letter to me of XX/XX/XXXX and my response of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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: Regional Management Corporation
State: SC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have attempted to dispute this debt on multiple occasions, dating back to 2018. Each time XXXX refused to remove the information. I have since learned there has been a data breach of my information including my highly sensitive social security number which opens me up to a realm of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
Regions Bank failure to recognize insurance coverage and purchasing backdated insurance coverage. 

See attached documents outlining the issue and steps taken to resolve.

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 2023-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian continues to state they've verified information on a bankruptcy. However, I tried calling the bankruptcy courts phone listed on the record and it's been disconnected. It's clear this information was vetted out correctly. Experian do not verify information and the record needs to be deleted.

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 2023-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
XXXX. XXXX XXXX XXXX ( Requesting to remove this Unauthorized and unverified Derogatory/ collection account. ) This account is involved in litigation. ( Violation ) XXXX -Status : COLLECTION ( Inaccurate reporting/Unauthorized ) - {$850.00} -Balance updated : XX/XX/XXXX ( inaccurate ) ( This is not my account ) Reporting late payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) This account is inaccurate/ Unauthorized and also unverified. REMOVE 2. XXXX XXXX ( Requesting to remove this Unauthorized and unverified Derogatory/ collection account. ) This account is involved in litigation. ( Violation ) -Open : XX/XX/XXXX -Status : collection ( Inaccurate reporting/Unauthorized ) - {$600.00} Update this account to be removed and deleted immediately.

Please respect my consumer laws and honor the changes that are inaccurate and update my report or this is considered a VIOLATION. REMOVE/ DELETE, Pursuant to 18 USC 8, Owe no debt. This company is violating my consumer rights to privacy pursuant to 15 usc 1681b 2. These companies also have NO permission to report ANYTHING using my info pursuant to 15 usc 1681 4. If this item doesn't show delete/ Remove this will be considered as a VIOLATION under 15 usc 1681s-2.

3. Unauthorized inquiries that were violating my report due to no consent given/ I did NOT GIVE NON OF THESE COMPANIES PERMISSION TO PULL MY REPORT. Please remove it immediately. 
- XXXX XX/XX/XXXX ( NO CONSENT ) -XXXX XXXX XX/XX/XXXX ( NO CONSENT ) -XXXX, XXXX XX/XX/XXXX ( NO CONSENT ) -XXXX  XX/XX/XXXX ( NO CONSENT ) -XXXX XXXX XX/XX/XXXX ( NO CONSENT ) These companies all violate my rights 15 usc 1681s-2

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 2023-06-04 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: OH

Complaint narrative:
the creditor must report the canceled amount or settled debt to the IRS using the Form 1099-C cancellation of debt I didnt receive a 1099 Form XXXX XXXX XXXX XXXX Closed XXXX XXXX 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 2023-06-04 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: OH

Complaint narrative:
the creditor must report the canceled amount or settled debt to the IRS using the Form 1099-C cancellation of debt I didnt receive a 1099 Form XXXX XXXX  XXXX XXXX Closed XX/XX/2XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Account was closed

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 2023-06-04 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: VW Credit
State: OH

Complaint narrative:
Your company has violated my rights. Please See attached and address the issues within this case immediately. I am kindly asking for a settlement. 
Let me know if you have any problems accessing the file. There is also pdf/picture versions attached below if you don't want to use the link. Thanks. 
Access code for link is attached below **Please note credit reporting agencies shall not report any item/account that is in ripened litigation/controversy. Failure to remove this unauthorized account will result in a Defamation lawsuit ** Link : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Link expires on : XXXX Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Citibank they close my account in our keeping my money they said it would take 2 to 3 months for me to get my refund

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 monetary relief
Consumer complaint received 2023-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
Mortgage was paid in full XX/XX/2023. The mortgage company has reported the mortgage as delinquent. 
I have tried to resolve this for 3 months. This has impacted my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation