vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
During Covid we were offered Forbearance by our PHH Mortgage over the phone we accepted at the end of our forbearance plan we called and tried to make payments we were told they would no longer accept payments from us until we resolved the forbearance plan we told them that we were able to resume payments they said they will only apply them to the monies owed for forebearance plan we said we were waiting to hear if they were going to allow us to put the forebearance amount on the end of the loan or adjust our mortgage amount to pay it back as we were told when we took the plan. We told them we were very concerned if we let them apply them to the forbearance monies then we would go into default on out current payments they said we can put you on forebearance again???? We said no we want to have our case looked at so we can find out if they are going to allow end of loan or adjust monthly payments on monies owed for forebearance as that is what we were told ... then they had us apply for a decision on that which they never told us we would have to be approved for when they offered this plan. we have had many conversations on scheduled phone calls with our Relationship Manager who we were assigned we have submitted ALL requested documents and we have confirmed that our file was complete and going to the underwriters and they had 30 days to get back to us and we scheduled another call from 30 days from that date when he called us back he said I don't know why they are not giving you an answer please give us 7 more days and I will get supervisor involved scheduled another call and my husband came home from work early and our relationship manager never called or his supervisor as he promised a employee unknown to us called and stated our Relationship manager was busy on another call, we asked to speak to our relationship manager supervisor and the employee said he did not know who he is. We are terrified we are going to lose our home we have complied with everything and still don't have a answer as to what is happening with our home. We have documented all phone calls and names, dates, and times of people we have spoken to through this whole situation. PLEASE HELP US

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers  and sue for full compensations and damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — Other 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 disputed these with nothing received nor any changes. These are unknown items listed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I recently obtained a copy of my credit report and found the item to be in error. I want to dispute the following inaccurate information that appears on my XXXX credit report. The error which prompted this credit report dispute includes late payment on XX/XX/2016, COMENITY BANK/XXXX. I am kindly requesting COMENITY BANK/XXXX to remove this late payment from my credit reports. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: FL

Complaint narrative:
This is my second attempt to resolve this issue with Upgrade Inc in regards to my consumer credit transaction. Upgrade is in violation of 15 usc 1605 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
There is an account reporting with XXXX XXXX XXXX for some type of payday loan. This is not mine it's showing that it opened in XX/XX/2015 and I can tell you I never opened an account with any type of payday loan in 2015. This needs to be deleted. I was notified through my XXXX XXXX account that it was reporting on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

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 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
My complaint is about SageStream LLC. 
I have sent two written security freeze requests via certified mail and an over the phone request. The most recent written request was sent XX/XX/2021 via certified mail. SageStream LLC has responded twice saluting they can not verify my identity. Ive sent the two forms of ID ( my Texas state ID and my recent electric bill ) require per their website both times and still they have not placed the freeze on my account. I tried reaching out via the contact number they have listed on both letters they sent me and there is no option for me to speak with anyone nor get any more information. I have receipts and copies of what I sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Security Credit Services, LLC
State: WI

Complaint narrative:
On XX/XX/XXXX, I spoke with XXXX at XXXX XXXX XXXX XXXX. to setup payment plan for debt owed to XXXX  ( original creditor ), and SECURITY CREDIT SERVICES LLC ( current creditor ). The amount of the debt owed was {$2900.00}. XXXX agreed to a payment plan of $ XXXX/month beginning XX/XX/XXXX for six months, and $ XXXX/month beginning XX/XX/XXXX until debt owed is paid off. I continued receiving harassing letters from XXXX XXXX XXXX, so I retained XXXX  XXXX XXXX XXXX ( a debt management company ) to help me. On XX/XX/XXXX I spoke with XXXX XXXX at XXXX XXXX XXXX, and I was able to get in a debt management program for $ XXXX/monthly to be paid toward my debts to current creditors including XXXX XXXX XXXX. XXXX XXXX and others forwarded several proposals ( regarding debt settlement/payment plan ) by fax/email to XXXX XXXX XXXX/SECURITY CREDIT SERVICES, but got no response ... per XXXX, XXXX XXXX XXXX whom I spoke with on XX/XX/XXXX. I spoke with XXXX XXXX, XXXX XXXX XXXX on XX/XX/XXXX regarding the harassing letters I'd been receiving and to inquire about XXXX XXXX XXXX contacting them, but XXXX stated that they've had no contact from XXXX, XXXX ... XXXX obviously lied. Also, XXXX XXXX XXXX have sent 2 to 3 payments of {$87.00} to XXXX XXXX XXXX and my balance have gone down. The new payment plan of ( $ XXXX/month ) from XXXX  to XXXX XXXX XXXX is actually more than the previous payment plan that XXXX agreed to. Although XXXX XXXX XXXX have received $ XXXX/month payments from XXXX XXXX XXXX on my behalf, they have filed a lawsuit with the Wisconsin XXXX Courts , Case # : XXXX. XXXX XXXX XXXX  did not inform me about filing a lawsuit against me at all ... I don't understand this because they're receiving payments from XXXX, XXXX on my behalf, and it seems that they're intentionally trying to ruin my credit. I'm trying to do the right thing by paying off this creditor, but they're intentions are to ruin me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: AL

Complaint narrative:
I have been using cash app as for personal transactions. Cash App had been charging me a fee for receiving funds under the pretense that I was set up as a business account. I did not realize this shouldnt be happening until a friend asked why are they charging me a fee to receive money and this should not be happening. Immediately I reached out to cash app and explained to them the issue. They stated that I had been setup as a business account and they would change it immediately. I explained to them that I did not set the account up as a business account as I never was given the option to choose between personal or business during my account setup. I requested a refund for all the fees associated with their error of setting me up as a business. They only gave me {$6.00} for days of fees. I requested for all of the fees charged in error since inception of my account and now they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: EQUIFAX, INC.
State: IL

Complaint narrative:
ON XX/XX/2020 I FAX AND SENT EQUIFAX A LETTER, EQUIFAX HAS REMOVED 4 GOOD ACCOUNTS FROM MY CREDIT REPORT. THIS HAS DROPPED MY CREDIT SCORE. ATTACHED IS ONE OF MANY LETTERS SHOWING THE ACCOUNTS NUMBERS AND DATES THAT EACH ACCOUNTS WAS OPEN ... WHY WOULD EQUIFAX DO THIS TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
On XX/XX/2021 I decided to search for a vehicle so I went online to XXXX  XXXX website and applied for a car loan and was pre-approved for {$35000.00} so I took the pre-approved letter to XXXX XXXX of XXXX fl and spoke with the sales manager by the name of XXXX  XXXX I handed the letter to him and shortly after I was approved for the amount with a approved trade in and I was able to drive off the lot with my new vehicle. However, the same day about a few hours later I started getting alerts that my credit was being ran by random lenders and I didn't know why so I called XXXX XXXX to ask why my credit was ran so many times when I had been approved the time my credit was ran the gentleman which was the salesman who sold me the vehicle said didn't know why they ran it so many times. So I'm seeking help from you to have all inquiries in question to be removed immediately because my report was pulled 9 times without my authorization please and thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX GM Financial XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: IN

Complaint narrative:
There is an account reporting with XXXX XXXX XXXX for some type of payday loan. This is not mine it's showing that it opened in XXXX XXXX and I can tell you I never opened an account with any type of payday loan in 2015. This needs to be deleted. I was notified through my XXXX XXXX account that it was reporting on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Adjusters, LLC
State: IN

Complaint narrative:
There is an account reporting with National Credit Adjustments for some type of payday loan. This is not mine it's showing that it opened in XXXX XXXX and I can tell you I never opened an account with any type of payday loan in 2015. This needs to be deleted. I was notified through my XXXX XXXX account that it was reporting on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: Avadyne Health Holdings, Inc
State: IA

Complaint narrative:
I had cataract XXXX back in XXXX of XXXX. Originally the first eye was to be done in XXXX and I received a call from the medical provider stating that I would receive a " substantial discount '' if I moved the XXXX to XXXX. I started receiving bills after the surgeries that did not match up with my health care provider and the amounts for the two dates of service was different even though the procedures for both eyes were the same. I contacted my health insurance provider and it took them to decipher what the medical provider had done. Apparently even though all of his companies are at the same location and you do not have to go outside to go from one business to another they use different provider numbers and some of the numbers that were used were out of my network. They have told me what the correct billing amount should be and I have yet to be provided with those statements which also should include the discount promised due to the inconvenience of me rescheduling my XXXX. Instead of providing the information they retained a collection agency who was, on more than one occasion asked to provide the statements and as of this date they have not been provided and instead are reporting this debt to the major credit bureaus and is currently affecting my credit. 
Please note : The email attached dated XX/XX/XXXX was actually written on XX/XX/XXXX and was sent but for some unknown technical issue was not sent and I found it in my draft email box.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-15 00:00:00
Product: Credit card or prepaid 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I have been a Bloomingdale 's credit customer for 10 years and have paid my bills IN FULL for ten years every month. Same with Macy 's ( even longer ). Bloomingdale 's de-enrolled me from online bill pay without my authorization on XX/XX/2021 causing the payment that I set up for {$130.00} on the same day to not go through. Then they somehow re-enrolled me BACK into online bill pay ( again without me doing anything on my end ) but not before using the " missed '' payment ( their mistake ) as an excuse to reduce my credit limit from {$1500.00} to {$200.00}. The payment that I schedule on XX/XX/2021 to clear on XX/XX/2021 was never processed due to their error. The subsequent payment that I made for {$160.00} on XX/XX/2021 went through ( even though they CLAIM that I de-enrolled from online bill pay on XX/XX/2021 ). My linked bank account still show on their account page and I still show as enrolled in online bill pay. Either my account was hacked or more likely, Bloomingdale 's had a glitch that they will not admit to. This is affecting my credit AND my ability to do business with the store. I have spent at least 5 hours over two days trying to straighten this out. If I didn't care about my account I would not be exerting such effort but I was wronged and this needs to be corrected and my credit limit needs to be reinstated.

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 2021-02-15 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/2021 I decided to search for a vehicle so I went online to XXXX  XXXX website and applied for a car loan and was pre-approved for {$35000.00} so I took the pre-approved letter to XXXX XXXX of XXXX fl and spoke with the sales manager by the name of XXXX  XXXX I handed the letter to him and shortly after I was approved for the amount with a approved trade in and I was able to drive off the lot with my new vehicle. However, the same day about a few hours later I started getting alerts that my credit was being ran by random lenders and I didn't know why so I called XXXX XXXX to ask why my credit was ran so many times when I had been approved the time my credit was ran the gentleman which was the salesman who sold me the vehicle said didn't know why they ran it so many times. So I'm seeking help from you to have all inquiries in question to be removed immediately because my report was pulled 9 times without my authorization please and thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX Ally Financial XXXX XXXX XXXX XXXX, XXXX, FL 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 explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
My company XXXX XXXX XXXX has a checking account with the Fifth Third Bank. 
On XXXX XX/XX/20 at XXXX XXXX  I sent them an email telling there were some fraudulent transactions with XXXX XXXX from people I don't know and asked them what I should do. 
They told me that I had to go to the Bank to close the account, but it could not be done immediately because these fraudulent transactions were in pending. 
On XX/XX/XXXX I went to Fifth Third Bank at XXXX XXXX to close my checking account, and the hackers had gotten more money from my checking account on the early morning on XX/XX/XXXX. 
For the protection of all its clients, the bank has to place these fraudulent transactions in hold as well as the part that corresponds to my debit card. 
An employee of the bank called the Fifth Third to the Dispute Center to report my situation, and the money still was pending on my account and they should have put in on hold while the investigation was on going. 
The bank had total control at that time to help me, but They didn't. 
That day the Dispute Center opened up 2 cases # s : XXXX XXXX XXXX and # XXXX XXXX XXXX. 
A hacker with the fictitious name " XXXX XXXX '' carried out 57 fraudulent transactions on the same early morning of XX/XX/XXXX, with 2 different amounts. Some of {$59.00} and others of $ XXXX.From the same hacker, the bank recovered {$1.00}, but the bank rejected 16 of the transactions for {$980.00}, and They did not give me any kind of explanation. 
I received a letter on XX/XX/XXXX in which the Fifth Third Bank required me to deposit the value of {$920.00} to cover the amount that the bank did not recover. 
From the first case, {$260.00} were recovered, but from the second case, I lost the amount of {$980.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have asked the third party in many occasions to provide proof of any documentation of accounts I'm disputing be sent over to me. I haven't got the right proper response ever since the investigation.

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