vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
The mortgage of my primary resident at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX have been purchased, without my consent by PHH Mortgage ( from XXXX loans ). Since I have automated payments for all my loans ( including previous ones ) I have never had any late payment issues and my credit score has been excellent. Since PHH Mortgage took my loan over, I have been trying to set up automated payment through their website. The first roadblock was they required me to fill out an amendment to start re occurring payments. The content of this amendment included non-payment related items. This company obliges you to sign off on these non-related items to accept my autopay request. Anyways, just to comply and move forward I signed and moved forward. I called them again and set up the automated payments together with one of their customer service representatives. A few months later I received a letter from them that I was late on mortgage payments. I called them again and disputed all late fee charges and set up once again the automated payments. A few months later I received another letter stating that I was late on payments. I went online and saw that in fact I was kicked out once again from automated payments. At the same time, I was trying to purchase a new home. When my loan officer pulled my credit, we realized that this company reported late payments and my credit score went down to XXXX from 800s. Despite all my efforts to rectify this issue, not only my credit score was affected also I will probably not be able to purchase a home a really like. I have a good amount of funds in my bank accounts, had excellent credit scores before PHH Mortgage acquired my loan and have no reason to pay late or not pay at all. It is quite the opposite ; my efforts are to keep my credit score high. Until today, after multiple phone calls and hours of conversations over the phone I am in this situation, and this is not right. Out of frustration, after one of my calls, I filed a complaint about PHH Mortgage to XXXX and I saw that there were similar complaints about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX account # XXXX In early XX/XX/XXXX a XXXX XXXX XXXX XXXX representative agreed by phone to allow a lump sum payment to be applied to multiple future monthly installments payment on my auto loan. The lump sum payment was a credit from cancellation of extended warranty service that I had not intended to purchase in the first place. I cancelled the extended warranty shortly after my vehicle purchase. 

There were actually two of these payments applied to the principal of my auto loan ( account number above ). One for {$1200.00} on XX/XX/XXXX and another for {$1300.00} on XX/XX/XXXX. I requested that the XXXX representative have the second of these payments applied/posted to regular monthly installment payments for XX/XX/XXXX and XX/XX/XXXX and this was confirmed during that telephone phone call. 

Without any communication or notification from XXXX both of these payments/credits of XXXX and XXXX, were applied directly to the principal of the loan rather than what was agreed. Apparently, XXXX either does not have a policy or ability to do what was agreed or chose not to do it for my particular installment loan. I was given no notification, but found out when logging into the customer online portal. I immediately brought the account current as soon as I realized that these principal payments had been made rather than scheduled as installment payments. 

My account is showing a 30 day late with all three credit bureaus. I have tried to file disputes with Equifax, XXXX, and XXXX directly, since this his having an adverse effect on my credit and will prevent me from obtaining a mortgage. I have had numerus phone calls with XXXX XXXX XXXX XXXX to rectify this situation and it has not been resolved. I plan on consulting with an attorney and take whatever action is available to me if XXXX refuses to resolve this matter amicably and rectify their mistake/oversight. 

Please let me know if any further information is required for this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX account # XXXX In early XX/XX/XXXX a XXXX XXXX XXXX XXXX representative agreed by phone to allow a lump sum payment to be applied to multiple future monthly installments payment on my auto loan. The lump sum payment was a credit from cancellation of extended warranty service that I had not intended to purchase in the first place. I cancelled the extended warranty shortly after my vehicle purchase. 

There were actually two of these payments applied to the principal of my auto loan ( account number above ). One for {$1200.00} on XX/XX/XXXX and another for {$1300.00} on XX/XX/XXXX. I requested that the XXXX representative have the second of these payments applied/posted to regular monthly installment payments for XX/XX/XXXX and XX/XX/XXXX and this was confirmed during that telephone phone call. 

Without any communication or notification from XXXX both of these payments/credits of XXXX and XXXX, were applied directly to the principal of the loan rather than what was agreed. Apparently, XXXX either does not have a policy or ability to do what was agreed or chose not to do it for my particular installment loan. I was given no notification, but found out when logging into the customer online portal. I immediately brought the account current as soon as I realized that these principal payments had been made rather than scheduled as installment payments. 

My account is showing a 30 day late with all three credit bureaus. I have tried to file disputes with XXXX, XXXX, and Experian directly, since this his having an adverse effect on my credit and will prevent me from obtaining a mortgage. I have had numerus phone calls with XXXX XXXX XXXX XXXX to rectify this situation and it has not been resolved. I plan on consulting with an attorney and take whatever action is available to me if XXXX refuses to resolve this matter amicably and rectify their mistake/oversight. 

Please let me know if any further information is required for this complaint.

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 2021-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivable Recovery Partners LLC
State: IN

Complaint narrative:
On or about XX/XX/XXXX I spoke with them and asked them for an itemized list of charges that the insurance company did not pay. I told them that I would call them once I got with the insurance company to try to get this resolved. On XX/XX/XXXX at XXXX XXXX  they called again and I told them I did not know anything yet. On Friday XX/XX/XXXX XXXX they called and left a message that stated " This message is intended for XXXX XXXX. If this is the wrong number for XXXX XXXX please call me back at XXXX to move the number from our system. If you are not XXXX XXXX hang up. If you are please listen to the message. You should not listen to them message if you are around other people it does contain personal and private information. My name is XXXX. I'm with Receivable Recovery Partners this is an attempt to collect a debt by a debt collector. Any information obtained will be used for that purpose. Please call me back regarding this matter at XXXX. Thank you. on XX/XX/XXXX the called again at XXXX XXXX and told them to stop calling me that I would call them when I heard something from my insurance company. Again on XX/XX/XXXX they called me after I told them to not call me and that I would call them. They left another message as before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: TN

Complaint narrative:
I, consumer XXXX XXXX, have 6 unauthorized inquires present in my consumer report that originated from identity theft. 15 USC 1681 c ( 2 ) states that consumer reporting agencies must block any information in the consumers report derived from identity theft. The unauthorized inquires include : XXXX XXXX, XXXX XXXX ( listed twice ), XXXX, XXXX XXXX XXXX, and XXXX. In pursuant to 15 USC 1681 b ( 2 ), I never gave any of these companies written instructions or authorization to pull my credit file. I request that all 6 of these inquiries be removed immediately from all 3 credit reporting agencies ( Transunion, XXXX, and XXXX ) Thank you.

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 2021-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/2021 from XXXX till XXXX XXXX, I was the victim of a multi-level fraud operation organized by hackers whose software somehow got onto my device ( laptop ) and the last time I logged into my Coinbase account, money first tried to be transferred in the full amount of approximately XXXX USD in the form of BTC, Dogecoin and Cardano cryptocurrencies. After Coinbase withdrew this transfer, the funds started transferring XXXX USD each for half an hour until there were no funds left in my account. In addition, the scammers withdrew approximately XXXX USD of the credit funds you provide to customers and your company requested me to return them, after which my account was blocked by you. I had nothing to do with this scheme, I was the victim of a hacker attack. Two-factor verification was not requested during the transfers to confirm them. I still have proof on my device, moreover, I have sent several requests to the FBI for investigation and my case is pending. The equivalent of XXXX ADA, XXXX DOGE  and XXXX BTC was transferred from my wallet utilizing your services. Please take notice that my funds were transferred without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I went to vacation last month, and when I returned I checked my credit and I found several collections that were not mine. I tried reach out to the companies to to the credit bureau but they refused to look into the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: CT

Complaint narrative:
Prior CFPB complaint not addressed, Truist Bank supposedly mailed reply to me, nothing received to date. Their reply provided contact info which does not address complaint, their contact does not accept or return calls, a XXXX XXXX. It appears Truist Bank will not reply directly to CFPB, appears attempting to circumvent by providing contact info. Additional complaints marked as duplicate to avoid CPFB portal and also addressing them. This pertains to a mobile deposit made on XX/XX/2018, the amount of $ XXXX.The full deposit was made available next day on XX/XX/2018 after calling in, inquiring about availability. It appears Suntrust reps, now Truist Bank, failed to verify funds before releasing them. The check, a closeout check from XXXX XXXX, later returned due to stop payment placed which I was not aware of prior to deposit. Account became overdrawn, sent to several collection agencies, mostly recently, XXXX XXXX XXXX which was sued for their collection tactics. Truist Bank continues to attempt to collect, despite their own error in releasing funds without verifying Since this their own error, I request Truist Bank remove account from credit reporting, cease from collection activity. Complaints marked as duplicate will be investigated by CFPB.

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 2021-09-29 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: FL

Complaint narrative:
I recently filed a complaint about my credit cards and nothing was done I applied for a mortgage recently which was the end of XXXX and was denied and the credit cards were the main focus and an old delinquent charge that was bought by another company portfolio this account was open back in XXXX and so another company bought it and it's still haunting me that's not fair and I pay my bills on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
All three of my Capital One Accounts was closed out for no reason. 

I have great payment history for 10 years plus and managed to pay off all my credit card debit durning the pandemic. 

I didn't get any waring that my accounts was going be close. They didn't give me a chance to work with them so my accounts wouldn't be closed. 

The closing of these accounts have dropped my credit 81 points. 

Credit is very important to me. Me being a loyal customer for over 10 years I feel like I should be treated better then this. I'm in the process of trying by a house. I need my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Today I called the Department of Education/Nelnet to ask about why I have three months of late payments. I spoke to two supervisors to find out why did this happen on my XXXX account for the months of XXXX, XXXX, and XXXX when I filled out my application in XXXX the beginning of the year! Yet I was told that they received my application but they claimed they sent me other records of things that I needed to do but I did not receive any of the records they are speaking of. I asked what address did they send those documents to and they did not have an address on file, in fact they said the documents that they sent returned back to them. So when I sent my application in with address on it then why did they not have my address on file They are lying about sending documents to me. Then the supersivor stated that the only way they could remove the those three months of late payments was if I had cancer or in the military or in school.This is not fair for when they said they sent something when they can not even tell me what address they had on file. Nelnet have violated the Fair Credit Reporting ACT and damaged my credit score. I will be taking legal action soon for {$1000.00} per violation.

1. Please show me proof of my address 2. Please show me what documents you are stating that you did not receive with my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent out a letter to equifax on XX/XX/21 to validate a dispute and never received a letter back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: 2288984 Ontario Inc.
State: AZ

Complaint narrative:
When I applied for this loan, it was not disclosed to me that my loan balance would increase. I was not made aware of this. I will not repay this loan back because the balance continues to increase. Please help me thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: Fidelity National Information Services, Inc. (FNIS)
State: TN

Complaint narrative:
Upon checking my checsystem report I noticed I have serval fraudulent inquiries on my 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 2021-09-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: U.S. BANCORP
State: OH

Complaint narrative:
I was at the end of my lease and after paying it on time for 4 years while I went through a bankruptcy which I never included with US Bank and my XXXX XXXX XXXX lease. I started my lease in XX/XX/XXXX and when I went through the buying process I was advised that in the last 4 years they never reported my on time payments to any of the credit agencies. I spoke with US Bank and they informed me in XXXX that they decided if there was a bankruptcy filed by the consumer they would no longer report to the credit agencies. I am fighting this because first my lease started before they made that change and also feel that it is unfair that my payments were always on time even while it was being reaffirmed and was discharged that I paid on this vehicle and never was shown when I did the loan to buy it out. I went through a tough time but I never did not pay it on time and full payments.

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 2021-09-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I sent a letter with respect to off base and obscure things on my credit report right up 'til the present time more than 60 days after the fact I have not gotten a reaction at this point. I feel like I am being exploited and being disregarded of my debates. Area 611(a), it is clearly expressed that an inability to explore these things inside 30 days gives motivation to quickly eliminate those things from my credit report it has been more than 60 days so they ought to be erased expeditiously. I request these records be erased promptly or I will petition for prosecution because of the pressure you caused me. My data was additionally affected by the Equifax break and may have under the control of some unacceptable individual. Attached also is a copy of the FCRA and FDCPA with highlighted violations, proof that I was a victim of the Equifax Data Breach, Police Report, Copy of my credit burea report showing that Equifax and XXXX  has already reconized that XXXX XXXX XXXX account is not my account and have already removed it. According to the FDCPA  807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section: A person's credit report is suppose to match across the board a copy of my credit reports and the FDCPA book have been attached as evidence of this violation. 

Last but no least there is also a copy of my FTC REPORT and Police Report . 

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the equfax data breach/ identity theft all is being investigated by the FTC according to the FCRA 605B this information must be blocked immediately until the investigation is over.

Company response to consumer: Closed with explanation