vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
Convergent Outsourcing has placed a debt on my credit reports on behalf of XXXX. I have never signed an agreement with Convergent Outsourcing stating that I would paid a debt to them on behalf of XXXX. I have not agreed to pay XXXX for any of their services or opening an account in my name. For I do not recall coming into agreement with Convergent Outsourcing or XXXX for any account or services. 

It appears the amount owed for this debt that does not belong to me is {$750.00} with a partial account number XXXX reporting on the credit bureaus. 

At this time it is my legal request to have both Convergent Outsourcing and XXXX to dismiss and close out this debt and remove it from all 3 credit bureaus and their database.

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 2021-08-25 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: PA

Complaint narrative:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX  XXXX XXXX Balance : {$440.00} XXXX  XXXX Balance : {$550.00} XXXX/XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I was laid off in XXXX and was having issues making payments exactly on the due date to my Navy Federal Credit card. After being about 15 days late, Navy Federal took money from my checking account to satisfy the credit card. That caused all my other bills to bounce and required me to pay an enormous amount in insufficient fees. Ultimately, Navy Federal froze my account. I still have a Line of Credit balance attached to the checking account. Navy Federal makes it extremely difficult to make the payment to that line of credit. If I pay online or automated by phone, it appears that the payment is set up and then a few days later the ACH is rejected. If I speak to a customer service representative, they set up the payment and it is rejected. It is certain customer service representatives that have experience with this situation that know how to get the payment to actually take. Recently, I was 25 days late and on XX/XX/XXXX ( the day I got paid ) I called and made a payment. I asked the representative if he knew how to get the payment to my Line of Credit and he assured me that he did. Today on XX/XX/XXXX, I got an auto-generated email stating that the ACH was canceled. The account is now 31 days past due and will be reported to my credit. It is not my fault that that Navy Federal representative doesn't know the process and lead me to believe that my payment went through. I had to call back 2 times today to get to someone who can understand my situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Dear CFPB : You may not believe. Im back again, some of same issues with the horrific, irresponsible PHH Mortgage, and Ocwen Loan Servicing company. Please see prior XXXX complaint XX/XX/2018. They stopped their irresponsible behavior for a few months and drifted right back to sending me info and packages to MY home address with ex spouse name attached to mine. The worst case scenario keeps happening with these folks and now I receive and reimbursement check from my escrow account with you guessed it, both My name and XXXX 's name. The insurance policy and taxes are completely in my name and no surprise, because it takes a bit of effort to set things right in my file noting I am the only party to any monetary transactions these should only be in my name and my name only. Seems simple enough right? Now I am stuck with a check I can not cash, copy attached and the really scary thought is if this would have been a major payout Id be stuck like XXXX!! My bank ask me to go find my ex wife or have her come to the bank with proper identify and consider adding her to my account. Can you believe? Well, Ive called and called PHH Mortgage and I get some supposedly relationship manager after a slew of customer service reps in and out sourced and am getting no where. I am uploading files to support this. 
Thanks you in advance for your attention and response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
On XX/XX/2021, I purchased an item on XXXX  for {$150.00}. I paid through Zelle. The individual that I purchased the product from never mailed me the product. I contacted Zelle, to resolve the matter and they told me its nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: IN

Complaint narrative:
I transferred XXXX from XXXX  to Coinbase on XXXX. I woke up on XXXX to find texts requesting an email address change I never requested. I immediately locked my account. I have been trying to regain access till this day without success. 
I have filed both initial ( case # XXXX ) and formal ( case # XXXX ) complaints with XXXX. All I have recieved are automated responses. The last response informed me they were closing my initial complaint and that I would not be allowed to reopen it. I have even filed a complaint with XXXX  ( complaint # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME THERE IS A CHAPTER XXXX ACCOUNT LISTING ON MY REPORT WHICH IS WRONG

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 2021-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: HI

Complaint narrative:
After prequalifying on a {$80000.00} Conventional Mortgage Loan. The borrower does not approve my Loan amount. XXXX XXXX was my Mortgage loan officer and he clearly knew about the HOA amounts. I have reserves totaling more than the loan and was approved then denied based upon the HOA totals. I do plan upon moving to XXXX and should have no problems with getting gainful employment with my field of business or employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME THERE IS A CHAPTER XXXX LISTING ON MY REPORT WHICH IS WRONG

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Tenaglia & Hunt, PA
State: MD

Complaint narrative:
XXXX/XXXX  shared my personal information with debt collectors TENAGLIA & HUNT who filed a lawsuit on XXXX/XXXX behalf. Pursuant to 31 USC 3718, " Under conditions the head of an executive, judicial, or legislative agency considers appropriate, the head of the agency may enter into a contract with a person for collection service to recover indebtedness owed, or to locate or recover assets of, the United States Government. The head of an agency may not enter into a contract under the preceding sentence to locate or recover assets of the United States held by a State government or financial institution unless that agency has established procedures approved by the Secretary of the Treasury to identify and recover such assets. '' and as such, I have yet to receive proper proof from XXXX/XXXX or TENAGLIA & HUNT that approval to collect on the alleged debt was approved in accordance to the UNITED STATES code listed above. Pursuant to 18 USC 1028A ( a ), " Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. '' and as such, XXXX/XXXX knowingly transferred my personal information without my lawful authority to debt collectors TENAGLIA & HUNT and debt collectors TENAGLIA & HUNT obtained and is in possession of my personal information without my lawful authority and has used such information and illegally attempted to collect an alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Lending Services LLC
State: IN

Complaint narrative:
Ive sent an affidavit of truth to Global Lending services whom somehow has my personal information and have been reporting an improper debt onto my consumer report. i believe my federal protected conumer rights are being violated and i have proof in the attachments ive sent to Global Lending Services. under fdcpa ( federal debt collection pratice act ) 15 USC 1692 vaildation of debts congress states a debt collector " SHALL '' send me the consumer 5 items within 30 days of the intial communication. Global Lending Services never sent me the 5 things required under 15 usc 1692G, and still have yet to respond to my affidavit. i am expencering loss of sleep, loss of concentration, and Anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
This company calls me nearly every day, requesting my personal information. Every time I answer, I ask them to communicate with me only in writing and to stop calling me. They refuse and continue to call and harass me though I have not received any communication from them in writing. They continue to ask me for my personal information such as my date of birth and physical address, which leads me to believe that they are attempting to scam me. They have called me 5 separate times over the past week and they continue to ignore my request for them to stop calling me and to communicate with me in writing via mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I paid on this account, and it did not report to any of credit agencies that i made a payment, but did report negative information, XXXX acct number Jpmcb account /chase, I have disputed 4 times that i have made a payment and You have not updated my account. I have copied a screen print of me paying the account, THis would have moved my credit and showed that I had paid on this account like I told my potential employer I would. It did not reflect after 3 tries and they did not give me the job. The job was {$98000.00} a year. I am now headed to my lawyers as you will be one of the parties directly liable for me not obtaining my job. I have requested you take JPmcb off of my report because they are not accurately reporting my payment for the 3rd request. Please take them off of my report asap or I will have to get a lawyer for recourse. Thanks My number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
As I am trying to start my business, and can't borrow money because these credit people sit in jurisdiction over my life, and continue to report me as a Zero= XXXX, who is like a new born baby. As someone who has never applied for credit anywhere. Not only do I have a loan that I have paid over {$100000.00} for, I have a credit card and a car note, but they keep displaying my credit score as a XXXX, and it is ruining my life plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I called Barclays at XXXX on XX/XX/2021 to request my full balance owed and to pay it all off. The agent told me the full amount owed was {$1000.00}. I authorized the payment from my XXXX XXXX XXXX checking account. This is the account where automatic payments were already in place. I was very specific in asking them for written confirmation that the full amount owed was to be paid and that the account was closed. I was told the account was already closed and I would receive email or letter to that effect. On XX/XX/2021 I confirmed with my online credit union account that the total was transferred from my account to Barclays. Also on XX/XX/2021 received an email from Barclays. It only stated that they received a payment. It didn't indicate my balance or anything else. So last night XX/XX/2021 I get an email that I still owe {$3.00}. I called XXXX went through the prompts and just paid it. This morning I called Barclays, spoke with XXXX, to ask where these new charges came from. I didn't get any intelligible or satisfactory explanation. I then asked ( again ) that they send me an email stating that I owed them nothing. I was told I would need to call back later to check on this myself. I asked again for THEM to send me an email, but XXXX stated they would only mail something out within 7 to 10 days. 
At this point I need help as I feel they are just harassing me with new false payments. I still haven't received anything in writing. The whole time they were taking automatic payments, I never knew my remaining balance. I'm not trusting their word anymore.

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 2021-08-25 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: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
On XXXX Disputed this account I have no knowledge of. I have disputed online, mail, phone and also have a dismissal letter I sent a never served or informed of any courtdate. They have yet to even respond other than XXXX  saying they validated the debt but how? And where are my copies?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PENNSYLVANIA HOUSING FINANCE AGENCY
State: PA

Complaint narrative:
I have a mortgage with PA HOUSING Account number XXXX ( full account number XXXX ) that reports on my credit report. They are my servicer for my primary residence mortgage. I had mortgage lates over 7 years ago, and they are not taking them off, and now even stopped reporting my recent payment history entirely, only reporting my most recent payment. I want them to Please remove the mortgage lates over 7 years old, and show my most recent payment history on my credit report. I attached a copy of my report. This account shows up on page 1, as the 1st account under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: BSI Financial Holdings, Inc.
State: NJ

Complaint narrative:
I am writing in regards to the mishandling of our mortgage loan with BSI Financial that has caused significant additional charges to our loan. We were previously approved for a forbearance plan that was completed XX/XX/2020 and still has not been finished. BSI has overcharged interest to our loan due to the fact the modification has taken so long. I am requesting a full review/audit of our loan and how it was handled due to the pandemic. 

Please see attached letter of explanation with details of dates, amounts and actions taken to try to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: TX

Complaint narrative:
XXXX  XXXX XXXX XXXX {$570.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. 

XXXX XXXX  XXXX XXXX XXXX XXXX {$48.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. 

XXXX XXXX XXXX {$310.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. 


XXXX XXXX XXXX XXXX XXXX {$300.00} I filed and ftc report and spoke with the creditor and they refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX  XXXX XXXX XXXX {$570.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. 

XXXX XXXX  XXXX XXXX XXXX XXXX {$48.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. 

XXXX XXXX XXXX {$310.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. 


XXXX XXXX XXXX XXXX XXXX {$300.00} I filed and ftc report and spoke with the creditor and they refuse to remove it.

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 2021-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
XX/XX/XXXX - Purchased a XXXX XXXX at XXXX XXXX  XXXX dealership in XXXX, WI Put money down and came back to Illinois and financed it through XXXX XXXX XXXX out of XXXX XXXX, IL Paid it off on XX/XX/XXXX The vehicle is in my late husband 's name so he just passed away the first week of XXXX so I went to the DMV in XXXX, IL to have my name put on the title and was told that their was a lien on it from a bank in XXXX, OH. ( XXXX XXXX XXXXXXXX  ). So I called them and found out that bank was bought out by Huntington Bank in XXXX, OH. 

XX/XX/XXXX - called Huntington Bank spoke w/XXXX  the created a case # XXXX. Told me I would hear something from them in 3 to 4 weeks. I never got a call back. 

XX/XX/XXXX - called Huntington Bank spoke w/XXXX  she told me the Lien letter would be sent out on XX/XX/XXXX. Never received it. 

XX/XX/XXXX - called Huntington Bank spoke w/XXXX  she told me it would be mailed out next week but talking to her she gave me the impression she was just saying that because as we spoke she was totally confused as to what I needed. I asked her to overnight it to me and she said she will ask them to do that. 

Now, here 's what I did concerning my credit union ( XXXX XXXX XXXX ). 
XX/XX/XXXX - called and spoke with XXXX and she said she will look into it and get back to me in 7 to 10 days. ( I received no call back ) XX/XX/XXXX - called and spoke with XXXX and told me the vehicle was not registered in the DMV in Illinois and I told her it was XXXX. She said I will hear back in 2 weeks. ( I did not receive a call ) XX/XX/XXXX - called again and spoke with XXXX XXXX. She told me I would receive a letter stating that their was no lien on the vehicle. I received the letter yesterday ( XX/XX/XXXX ) but that won't do any good because it says XXXX releases all interest but I need the one from Huntington and I felt that since I paid it off through XXXX they should have given us a title. 

XX/XX/XXXX - I called and spoke w/XXXX  and XXXX and explained that I needed help in getting the title but most of all the lien removed and I felt they should help since I financed it through them. 

The Wisconsin DMV shows that XXXX XXXX XXXX was the lien holder but the Illinois DMV says XXXX XXXX XXXXXXXX  ( Huntington Bank ) is the lien holder.

Company response to consumer: Closed with explanation