vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: LA

Complaint narrative:
Transportation are coming out of my account without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga. XXXX XXXX XX/XX/2019 To Whom it may concern, My name is XXXX XXXX XXXX, and this is my formal complaint on Ocwen Loan Servicing and PHH Mortgage Services, on their practices in Notice of servicing Transfer. I received the notice in the mail on about XX/XX/2019, notifying me that starting, XX/XX/2019 PHH would become the new servicer for my account : Loan number XXXX. 
For the last ten years Ocwen Loan Servicing, had paid my homeowners insurance policy to XXXX, policy number : XXXX XXXX XXXX. The policy was paid through an escrow account once a year. After the transfer of service on XX/XX/2019, I received a policy statement for the first-time in 10 years, noting that the notice was for non-payment of premium. A second notice statement followed on XX/XX/2019, for, {$360.00}, a third notice XX/XX/2019, {$730.00}. It was obvious that PHH Servicing was not paying my homeowners insurance, from the {$1400.00} each month. {$580.00}, was the amount that was deducted for the property taxes and hazard insurance that was scheduled to be placed in the escrow account. 
On about, XX/XX/2019, I called PHH Services, customer care center, trying to reach my relationship manager, XXXX XXXX. I was informed they where busy and to speak to the next available agent. I spoke to this agent about my homeowners insurance not being paid. I was told I would get a call back after my complaint was given to the research department. The phone call never came. After speaking to at least 10 customer care agents and explaining my issue to each and every one of them ( language was a bearer }, I became frustrated, but called another day around XX/XX/2019. This time I insisted on speaking to a supervisor. I spoke to a floor supervisor named Mr. XXXX ( agent # XXXX ), I was told my account did not have an escrow account attached to the loan. Mr. XXXX followed through and called me back within 24 hours. I was told that I was right, nothing was being paid and someone would get back to me for a final resolution. No one ever called but they sent a partial payment, but no explanation to why this was happening. I am now researching my property taxes to see if there is any debt outstanding. 
In the meantime I received a notice of termination for non-payment from XXXX, with a final outstanding balance of XXXX ( XXXX is demanding payment ). In order to protect my home and property I did established a new homeowners insurance policy through XXXX XXXX started on XX/XX/2019 and show PHH Mortgage Servicing as the lien holder. To add insult to injury I now have another mortgage servicing company called XXXX, started XX/XX/2019. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Global Portfolio Recovery, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX called my mothers cell phone which is not listed on any of my credit reports and told her they trying to collect a debt. She is not an account holder either. Then they filed a summons in court after they violated my rights. i want this company to cease and exist all contact with me.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Sky Group USA, LLC
State: IN

Complaint narrative:
I received {$300.00} loan on XXXX XXXX. 
Made payments of {$90.00} each on XX/XX/XXXX, XX/XX/XXXX, and XXXX, XXXX  XXXXand XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX, XX/XX/XXXX, then on XX/XX/XXXX I paid {$300.00} to pay loan in full and they continue to take out {$27.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX XXXX, and XX/XX/2019. I have emailed them twice to stop MY ACH AUTHORIZATION and the continue to take money out.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: AR

Complaint narrative:
In the month of XX/XX/2019, I received a letter from Convergence Outsourcing Inc. regarding a re-aged debt Per Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. I immediately responded to Convergence Outsourcing Inc with an affidavit of denial ( not validation ) explaining this debt has been blocked per section ( 605b ) of the Fair Credit Reporting Act, an was the result of identity theft. Upon checking my credit report on XX/XX/XXXX I noticed this debt is now appearing on my credit report. These actions from Convergence Outsourcing Inc are clearly violations of consumer rights and unacceptable due to the fact the debt has been re-aged and also was the result of identity theft, and has already been blocked from the credit bureaus from a previous debt collector. This is my 2nd and final attempt to resolve this issue before pursuing litigation.

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 2019-10-03 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: NV

Complaint narrative:
Hello, My name is XXXX. I noticed on my credit report that there are things that do not belong to me. As I reviewed my credit Report, I noticed a number of Inquiries, accounts, and collections that do not belong to me. Please remove these from my report as soon as possible. 
Best Regards, *Please see attached FTC reports

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 2019-10-03 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: NV

Complaint narrative:
Hello, My name is XXXX. I noticed on my credit report that there are things that do not belong to me. As I reviewed my credit Report, I noticed a number of Inquiries, accounts, and collections that do not belong to me. Please remove these from my report as soon as possible. 
Best Regards, *Please see attached FTC reports

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 2019-10-03 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: NV

Complaint narrative:
Hello, My name is XXXX. I noticed on my credit report that there are things that do not belong to me. As I reviewed my credit Report, I noticed a number of Inquiries, accounts, and collections that do not belong to me. Please remove these from my report as soon as possible. 
Best Regards, *Please see attached FTC reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: MI

Complaint narrative:
On XX/XX/2019 I submitted a dispute of an error on my credit report which was for a collection placed by a company called XXXX XXXX XXXX who reported the collection for the original creditor XXXX. I reached out to correspond and request debt validation as I had never received any information from the original creditor or XXXX XXXX XXXX about this debt including any bill or utility usage. XXXX XXXX named XXXX stated that she didnt know why I was getting a collection reported on my credit by XXXX XXXX XXXX because they use XXXX XXXX and not XXXX XXXX. I submitted evidence to XXXX XXXX XXXX, XXXX, Experian, CFPB, and XXXX proving that I moved and that this collection is an error on my report. 

FDCPA and FTC law states : 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt. 

This debt should be removed from credit reports and collection stopped if not validated within the given time frame. 

This debt has never been validated to me after correspondence and I check my mail everyday. The only way I found out about it was through my credit report. My wife is also witness to this bogus debt harassment by XXXX XXXX XXXX. 

XXXX XXXX of XXXX XXXX has put into writing on two separate government regulated websites that this debt that XXXX XXXX is trying to collect on is not shut of with XXXX until XX/XX/2019. It also says it was opened XX/XX/2019 which is false and untrue considering I am paid in full and up to date on my Utility bills. 

Now Experian and other resources I have used as a consumer have failed to properly investigate and remove this error from my credit which is a violation of my FCRA 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 2019-10-03 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: MI

Complaint narrative:
On XX/XX/2019 I submitted a dispute of an error on my credit report which was for a collection placed by a company called XXXX XXXX XXXX who reported the collection for the original creditor XXXX. I reached out to correspond and request debt validation as I had never received any information from the original creditor or XXXX XXXX XXXX about this debt including any bill or utility usage. XXXX XXXX named XXXX stated that she didnt know why I was getting a collection reported on my credit by XXXX XXXX XXXX because they use XXXX XXXX and not XXXX XXXX. I submitted evidence to XXXX XXXX XXXX, XXXX, XXXX, CFPB, and XXXX  proving that I moved and that this collection is an error on my report. 

FDCPA and FTC law states : 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt.

This debt should be removed from credit reports and collection stopped if not validated within the given time frame.

This debt has never been validated to me after correspondence and I check my mail everyday. The only way I found out about it was through my credit report. My wife is also witness to this bogus debt harassment by XXXX XXXX XXXX. 

XXXX XXXX of XXXX XXXX has put into writing on XXXX separate government regulated websites that this debt that XXXX XXXX is trying to collect on is not shut of with XXXX until XX/XX/2019. It also says it was opened XX/XX/2019 which is false and untrue considering I am paid in full and up to date on my XXXX bills. 

Now XXXX and other resources I have used as a consumer have failed to properly investigate and remove this error from my credit which is a violation of my FCRA rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: OK

Complaint narrative:
I started this back in XXXX of 2016, and have gotten no where with equifax. I have submitted by FTC Report, Police Report, ID, Social Security Number, Proof of Residence, and every other document that they have asked for. My identity was stolen and they are allowing that person to ruin my files by not removing incorrect information. They have multiple files on me and when i call to speak to someone, I am transferred to XXXX or XXXX poorly spoken reps before the call gets disconnected. EVERYTIME. I have no access to any of the information that equifax has on me because the have all my information wrong so i can not verify myself, or the system will not allow me in. XXXX  and XXXX have been great helps. I don't see why Equifax can not do the same. They do not even have a fraud alert listed on my Credit File. Thats a violation in itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
Jefferson Capital sent me a bill saying I owed them money on a old XXXX  acct 12 years old to be exact! They are redating this account which I have been told is illegal in the State of NY and plus the fact the original acct is over 12 years old and in the State of NY its 6  years. This company is ruining my credit on all major credit reporting agencies This is false  dating and is illegal - Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
From XXXX XXXX XXXX, I have been charged nine {$34.00} non sufficient funds fees, totalling {$300.00}, caused initially by an automated student loan payment I didn't realize would hit the account. When I received a second non sufficient funds fee of {$34.00} for a balance at negative {$9.00} in my account, I went into the back and asked them to waive the second fee to get my account back on track ( at that point with the fee, the account was - {$43.00} ) but they refused. A spiral has happened since. I have since had fees accumulate with fees upon fees. The fees have been more than the overdraft at this point. I would like a credit to my account for {$300.00}. I have been depositing my daily wages every day, but the fees are too much to overcome.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-03 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I have two serious complaints against Transunion. Both are about legal issues and possibly violate civil and criminal law and are not directly tied to a credit report. 
i was given a phone number by CS rep. to calll XXXX. No one ever answers and goes automatically to voice mail. I have left 3 messages for them to call me since Monday, but no calls were returned. 

These are serious issues that are not being able to be handled by CS reps. and they said to call. 
I don't want to expose Transunion to this complaint forum now, I just wish to talk to management - someone beyond doing just credit reports.

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 2019-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
On the XX/XX/2019 my XXXX XXXX Checking account was frozen by the State of New York XXXX County Supreme Court through a restraining notice with a subpoena. A Levi # XXXX of {$8000.00} plus a Processing fee of {$120.00} was removed from my checking account. This process was initiated by Forster & Garbus , LLP, Collection Attorney located at XXXX XXXX XXXX XXXX, XXXX, NY XXXX ; Telephone Number XXXX ( XXXX ) XXXX ; Website : XXXX : XXXX. 

To date I have never received any correspondence of debt and if debt existed never had a chance to litigate a complaint ( never received ) to request documentation from the creditor ( who is unknown at this time ) or even dispute the amount owed, if I do, and who I owe it to ( at this time unknown ). If I did have a unpaid debt ( at this time unknown ) I never had any chance to negotiate with the creditor. 

I tried numerous times to contact Forster & Garbus , LLP, Collection Attorney but to no avail. 

This has caused a hardship for my wife and I since I forfeited this money unknowingly and bills that need to be paid to sustain my wife and I survival is now in jeopardy surprisingly losing this money. 

Finally, while doing my homework, I discovered that the BUREAU OF CONSUMER FINANCIAL PROTECTION Filed Suit Against Forster & Garbus , LLP, in the UNITED STATES DISTRICT COURT XXXX DISTRICT OF NEW YORK ... ... XXXX XXXX   XXXX Thank you for your time looking into this matter ... XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: WV

Complaint narrative:
I had service with XXXX XXXX. XXXX of XXXX I closed my account with XXXX XXXX returned my devices. I called XXXX of XXXX to make sure the equipment was received and what balances I had left. I was informed that the equipment was received and I had a XXXX balance. I HEARD NOTHING FROM THIS COMPANY OR RECEIVED ANY BILLS AFTER THAT. 

It wasnt until XXXX of XXXX that I received a bill from a collection agency stating that I owed XXXX XXXX almost {$500.00} dollars. I explained to the collection agency I was unaware of any bill owed and wasnt informed by direct tv of any bill. They suggested that I call XXXX XXXX directly. I called XXXX XXXX and nothing was done I explained to them what happened and how I never received any bills from them regarding a balance and was told by the lady that I spoke too that there wasnt anything they could do because it was in collections. They couldnt even tell me if any bills or notices was sent out to me. 
I have lived in the same house with the same address for 5 years so I didnt miss any bills or notices. XXXX XXXX DIDNT EVEN GIVE ME AN ITEMIZED BILL ON WHY I OWE ALMOST {$500.00} DOLLARS.

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 2019-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
A {$1200.00} deposit was made into my checking account on XX/XX/2019. The same {$1200.00} deposit that has been made on the XXXX of the month every month for a year now. The day is was deposited, I saw {$400.00} was made available immediately. When I checked the account online the next day, however, the entire deposit was put on hold. The {$400.00} made available disappeared and no reason was given for the hold nor any time frame. This morning when I checked online, XX/XX/2019, XXXX days later now, an entry appeared that the hold was until XX/XX/2019. This entry was not there on the XXXX nor on the XXXX. 

We consumers are tired of Wells Fargo playing their games to the detriment of consumers. 

I've had this account and others at Wells Fargo since they bought XXXX and do not deserve to be treated with such disdain and disrespect and below the board behavior.

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 2019-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Data Systems
State: SC

Complaint narrative:
I paid the total amount of my debt via phone, with my debit card between 3 and 4 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: VA

Complaint narrative:
I received a notice on my Equifax report on XX/XX/XXXX XXXX XXXX XXXX for the collection amount of {$210.00} that was paid on XX/XX/XXXX! This is not my account and why would it just now be showing on my report all the way from XXXX this is a total violation of my rights! Equifax has been making a lot of mistakes and I want it corrected now! I will seriously be reaching out to my lawyers!! This was not on my credit file before XX/XX/XXXX. Equifax is lying about the date reporting!!

Company response to consumer: Closed with explanation