vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
During XXXX my mortgage servicer PHH Mortgage Services agreed to a mortgage forbearance plan. In XXXX, XXXX I informed them that I would like to start paying my mortgage again. 
Instead of pushing off my payments to the end of the loan as I was promised that they would, they told me that I will need to apply for a mortgage modifications. I had no problem with this. 
I made all the trial payments on time, and in XXXX, XXXX they sent me a loan modification agreement to sign. Both myself and my wife signed it, had our signatures notarized, and sent it back to them. 
In the beginning of XXXX of this year, I received a letter back from them that there was a problem with the notarization on the agreement that we signed, and that they wanted us to sign it again and have our signatures notarized. 
While we did not understand what your problem was, we obliged with their request, and in order to make sure that they would have no problem with the notarization, we went to an Attorney to have it notarized. 
The second modification was due on XX/XX/XXXX We sent it back on XX/XX/XXXX, and per my discussion with their agent XXXX ( ID # XXXX ) it was received and scanned into thier system in a timely manner. 
On XX/XX/XXXX PHH Mortgage Services sent me a letter informing me that they denied my request for a Mortgage modification for the following reason. 
" You failed to return the final modification agreement within the required timeframe. '' I wrote them an email that this is not correct, and they responded as follows : " Please be advised the notary is incomplete as the notary public incorrectly acknowledged borrower name on the notary page as " XXXX XXXX ''. The notary public should acknowledge borrower name correctly as XXXX XXXX exactly as per the name printed on the agreement. The loan is eligible for denial due to the agreement not being received on time ; hence, the loan modification is denied. '' This is something that is so easy to fix, and furthermore, this still doesn't explain their problem with the first modification agreement. 
I believe that they have been acting in a bad faith and an unfair manner this entire time. And I would appreciate your assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a call from JP Morgan Chase that there had been an attempt to wire out {$8000.00} from my account. I informed them I did not authorize this. I was informed that my funds of XXXX needed to be transferred to aa new account due to the current account being compromised. dates of the transactions occurred from XXXX XXXX XXXX ranging from XXXX to XXXX adding to a total of {$49000.00}. 

I filed a unauthorized wire fraud claim with JP Morgan Chase on XXXX.I was told that JP Morgan has had their number spoofed and that fraudulent claims have been common. I was informed it would take 24 hours for the paperwork to be processed in order for JP Morgan to begin the process to recover my funds and that it would take 3-5 business days to update me. 
I called JP Morgan on the 5th day XXXX  to ask for an update. I was informed that the accounting department was working on recrediting my account, but that I needed to open a new account with JP Morgan Chase in order to refund my funds due to the old account being compromised. I was also informed that I was supposed to have filed a police report, of which I was NOT made aware of at all then I submitted the paperwork for the wire fraud claim. 
I submitted the police report as soon as possible on XXXX  JP Morgan Chase confirmed they received it and that it would take up to 5 days to process I called JP Morgan Chase on XX/XX/XXXX for an update and spoke with a account supervisor XXXX who informed me that my claim had not been processed at all and that my police report had not been attached to my claim. 

I have attempted to follow all formal processes with JP Morgan chase to correct the Situation. JP Morgan chase has not taken responsibility to correct their mistake. JP Morgan Chase has been very negligent in the process of my claim and did not make an attempt to return my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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:
XXXX XXXX XXXX  is claiming I had a credit card that I never had. I'm XXXX. They are ruining my credit. I have repeatedly disputed it and they keep " verifying '' it. Furthermore, I called them to opt-out all the way in accordance with privacy laws and they refused.

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 2023-01-19 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:
XXXX XXXX Bank is claiming I had a credit card that I never had. I'm XXXX. They are ruining my credit. I have repeatedly disputed it and they keep " verifying '' it. Furthermore, I called them to opt-out all the way in accordance with privacy laws and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: FL

Complaint narrative:
XXXX XXXX Bank is claiming I had a credit card that I never had. I'm XXXX. They are ruining my credit. I have repeatedly disputed it and they keep " verifying '' it. Furthermore, I called them to opt-out all the way in accordance with privacy laws and they refused.

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 2023-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
True testimony in a affidavit form I XXXX : XXXX secured party creditor, authorized representatives for XXXX XXXX and my daughter XXXX XXXX went to The Dealership dba XXXX XXXX on XXXX XXXX, at the XXXX territory. After running my credit giving them access to my social security number ( my credit card ), the sales man came and told me that I was approved to get a car. But they say I was only approve a cheaper less value automobile which will allow me to build my credit. I told them that once my credit is approved I can pick what I want. so anyway I agree to take less value auto. Then They said I had to put a downpayment which at this point I told them the law do not require me to put any cash down 15 united states code 1605 all transaction are paid infull. Sales man stated bank said if you want this car you have to pay the down payment, So under duress I give the FRN 'S. now after 2 years of giving Ally frn '' s I filled a 1099a with the internal revenue department that was access by the Treasury and I filed Ucc-1 financial statement. after all this Ally responded back and we can not accept any more payments. XXXX months they repo ( stole ) my car. And sent a letter stating I owe the XXXX in cash if I want my car back. Please help.

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 2023-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXXXXXX XXXX XXXX Portfolio recovery / XXXX $ XXXX - No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX / $ XXXX XX/XX/XXXX - No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 

XXXXXXXX XXXX XXXX XXXX XXXX  / {$420.00} / XX/XX/XXXX No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 

PORTFOLIO RECOVERY XXXX XXXX XXXX Bank / {$250.00} / XX/XX/XXXX No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


In accordance with the fair credit reporting act these companies ( accounts ) have 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 : also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have reason to believe that Equifax and YES XXXX XXXX XXXX XXXX  have violated my rights as a consumer and incorrect information as far as addresses

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
Bad XXXX XXXX they lied and charged wrong fees

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 2023-01-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Branch Messenger, Inc.
State: OR

Complaint narrative:
On or about XX/XX/2023, I discovered numerous unauthorized transactions totalling approximately {$3800.00} charged to my Branchapp card ; which is apparently administered by XXXX XXXX. I immediately called Branch Customer Support to start the dispute process. As of XX/XX/2023, I have not received provisional credit of the the disputed amount, nor have I received any correspondence from Branch, regarding receipt, processing or status of the dispute. Multiple calls to branch customer service have resulted in any up dates. Multiple customer service representatives have stated that once a dispute is received, there is nothing than they can do. Each and every representative has stated that there is no way to contact the dispute team directly. Today, XX/XX/2023, I was finally able to contact a different department who informed me that the dispute wasn't initiated until XX/XX/2023, and they have 10 days to respond from that date. This is clearly redating of when the dispute was initiated, and a flagrant disregard of Regulation E.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Citizens Bank XXXX their checking account bonus on XX/XX/XXXX for {$300.00} with qualifying deposits. Then it was {$500.00} to open an account and maintain it for 90 days. I opened my checking account with more qualifying deposits and my payroll was also deposited every 2 weeks. The account is active and is full qualified to receive the bonus within 90 days of account opening. I called the bank nand spoke to the representative, they told me i am qualified to get the bonus and will soon deposit it within a week. But they never did. I called again, i spoke to XXXX on XX/XX/XXXX. She told me i will hear back from them within 48 hours but never. So i have to make a complain.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Receivable Management Services LLC
State: NY

Complaint narrative:
The company calls and states where they are calling from, they asked my name and i conformed, they then proceeded to ask if i reside in ***** address, which i did not so I said no, I then inquired on behalf of what company they were working for like whose debt are they trying to collect and the refused to divulge this information, just stood quiet, I continued to ask, " who is this debt on behave of? what company is it coming form etc etc and then i got hung up on. Upon calling them back i get a gentle man, i believe his name was XXXX XXXX and he was just as obnoxious and only wanted to get info from me, asking me my name, phone number, dob, and address as well, I provided everything but a current address and he too refused to explain this debt and hung up. This is a trash company obviously and they need to work on their customer service they assume that because they are a debt collector they can treat you how ever and not true.

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 2023-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Tried to pay it off in XXXX and found there was gap insurance and no one refunded the remainder of the gas on XXXX XXXX XXXX. I got nothing but the run around.

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 2023-01-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
There is a Bank of America credit inquiry completed on XX/XX/2023 for XXXX XXXX XXXX. I did not apply for a new credit card. I reached out to the company and received no help as they stated they did not see the appliccation. I have an email stating it was done. I have added an alert to 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 explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX place a hold on my account for XXXX reason, ( they could not explain what this was ). Because of this I could not open an account with XXXX to get new internet and tv service at my new address. I finally got this block cleared after over 4 hours of having to text and talk with the 3 credit bureaus, XXXX and the 3rd party company they are using to verify identity could not or would not tell me which credit bureau was doing the blocking. This has been very aggravating. Apparently there was no valid reason for the blocking. 
BTW : I am 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 2023-01-19 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: CA

Complaint narrative:
Upon checking my credit report around XX/XX/2023 I noticed that there was a hard inquiry on my credit report by XXXX ( XXXX  ). The hard inquiry was made on XX/XX/2023. I tried calling Transunion and explaining to someone who barely spoke any English that I did not apply for any type of credit with XXXX. That I did NOT authorize that hard inquiry on the XXXX of XXXX. She then gave me the run around about how this inquiry was " legitimate '' and to file a complain with the cfpb if I did not like Transunion 's policy. I want to make it very clear that the hard inquiry pulled by XXXX ( XXXX  ) on XX/XX/2023 was NOT authorized by me. It is FRAUDULENT. I am formerly requesting it be removed from my credit file-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 2023-01-19 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: PA

Complaint narrative:
I sent a letter back in XXXX of 2022 and today as well to remove the incorrect addresses off of my consumer report. According to the Fair Credit Reporting Act 12 USC 1681. I have a right to privacy. Also according to 15 USC 6802. Financial institutions are not supposed to share my information to third party people nor are they suppose to report inaccuracies. 

These are clear violations of my federally protected consumer rights.

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 2023-01-19 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:
The below listed below accounts are on my credit report but do not belong to me. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: BARCLAYS BANK DELAWARE
State: MS

Complaint narrative:
On XX/XX/2022 someone went online with a computer and applied for a credit card in my name ( fraud ) at XXXX XXXX XXXX  in Delaware. I got a notification from XXXX XXXX, which i am a member of and i then called the bank. They advised what had happened and i informed them that this was in fact not me ( fraudalent ) and they confirmed the above statement of an attempt of fraud. So they deleted the application process and deleted my information, out of their system. 

In the approval process, a XXXX XXXX was pulled against XXXX Credit Bureau. 

XXXX won't remove it from my XXXX XXXX unless they're told to by someone else other than me to remove it from the credit report. 

XXXX won't send XXXX anything as well as my information is no longer in their system to even attempt to send XXXX a notification to delete the inquiry as well. 

My attempt is to get that off my credit report as it remains for 2 years and without my approval to even be there.

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 2023-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: FL

Complaint narrative:
I have two collections on my credit report from this company that are both for medical bills and are both under {$500.00} ( one for {$460.00} and one for {$260.00} ). They are from Americollect and there is no phone number anywhere to reach them. I have written letters and have not received a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: IL

Complaint narrative:
On XX/XX/2021 I visited XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX during visit I was advised that I need to do dental cleaning, I had dental insurance and I requested to check and confirm that the procedure will be covered by my dental insurance, XXXX XXXX XXXX representative checked and advised that insurance will cover, and my out of pocket expense will be {$150.00}, I paid the fee immediately with my credit card, signed an agreement, and schedule to perform the procedure on XX/XX/XXXX. On XX/XX/XXXX I came to do the procedure and was told that I need to do deep cleaning, I asked again if it will be covered by my dental insurance, and XXXX XXXX XXXX confirmed that it will, I performed the procedure. On XX/XX/XXXX I received a mail invoice to pay {$700.00}, I called XXXXXXXX XXXX and advised that the invoice is incorrect, that insurance should covered, XXXX XXXX XXXX checked, and advised that the procedure that they performed was not the one that is covered by insurance, I told them that I asked to check before they performed it if it will be covered, and they did confirm. If they would have told me that is not covered I would not have done the procedure. 
Wakefield reference # XXXX

Company response to consumer: Closed with explanation