vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HUNTINGTON NATIONAL BANK, THE
State: MA

Complaint narrative:
I was victim of identity theft as a result of being homeless and did not have a physical address in XXXX. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. That account was never late and was paid in full a the ned of the loan. The Huntington Bank keeps on reporting this account late and it's frustrating as I've been transferred five times when i contact customer care and none seems to have a solution. This loan have been paid in full and closed since XX/XX/XXXX. I don't know what else to do so I am finally coming to you guys for some guidance please. I also wrote to the credit bureaus and still have not receive any correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I mailed a letter to Transunion Consumer Solutions dated XX/XX/2020. The dispute letter outlined the myriad of fraud that was uncovered on my credit report. As outlined, there was a total of two accounts and one inquiry that were deemed fraud, but the request to block the information was denied by Transunion. The reason they state the request was denied was in accordance with Section 605B of the FCRA. I enclosed a copy a police report and statement outlining the fraud for their review, and they still denied 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 explanation
Consumer complaint received 2020-09-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Third attempt complaining about unauthorized accounts and unauthorized injuries on my credit profile.

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 2020-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I previously disputed a charge on XXXX XXXX  for {$1000.00} on XX/XX/17 with Capital One and asked Capital One to block the charges so that no future charges come through from that merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
PHH Mortgage Corporation ( " PHH '' ) has yet to provide me with a monthly mortgage statement for the payment declared due as of XX/XX/XXXX as required by law, 12 CFR XXXX et seq.. 

Recently, I received from PHH a statement dated XX/XX/XXXX that states that I failed to make a payment towards the subject account since XXXX and that said account has been in default as of XXXX XXXX. A true and correct copy of the XX/XX/XXXX statement from PHH is enclosed hereto as Exhibit A. 

I have repeatedly complained to this agency, and repeatedly complained to PHH as  the predecessor to Ocwen Loan Servicing LLC ( " Ocwen '' ) with the latter being the predecessor to Litton Loan Servicing LP ( " Litton '' ) that the accounting history reflected within said statements is false because : ( 1 ) Litton accelerated my mortgage loan upon commencing the first of two foreclosure actions in the Superior Court of New Jersey on XX/XX/XXXX by complaint filed under Docket No. : F-34006-09 declaring a default as of XX/XX/XXXX, a true and correct copy of said complaint is enclosed hereto as Exhibit B ; ( 2 ) PHH, Ocwen, Litton and their respective agents are concealing ten ( 10 ) checks totaling {$15000.00} that were paid to and cashed by Ocwens / PHHs predecessor Litton starting with the payments demanded for XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX towards a trial modification, followed by payments made thereafter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( See Exhibit C enclosed hereto ), without Ocwens / PHHs predecessor Litton crediting said payments to the subject account ; ( 3 ) PHH, Ocwen, Litton and their respective agents are concealing three ( 3 ) checks totaling {$5100.00} that were paid for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and returned by Ocwens / PHHs predecessor Litton ( See Exhibit D enclosed hereto ) without any legitimate reasons or explanation. 

Furthermore, PHH and / or its agents are willfully failing to acknowledge and / or respond to my most recent qualified written request and debt validation letters dated XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX that were made pursuant to 12 U.S.C. 2605 ( e ) & 15 U.S.C. 1601 et seq. and 15 U.S.C. 1962 ( g ). 

The conduct complained of herein displays continued engagement by PHH and Ocwen in unfair, deceptive and unlawful practices in violation of the XX/XX/XXXX consent judgment entered in in Consumer Financial Protection Bureau, et al. v. Ocwen Loan Servicing, LLC, et al. ( Case No. XXXX ) and the consent judgment entered on XX/XX/XXXX in The State of Alabama, State of New Jersey , et al. v. PHH Mortgage Corporation ( Case No. XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Ordered an item from Amazon XX/XX/20. Order was not going to arrive in time for grandson 's birthday so I bought another item. Authorized through Amazon request to return item on XX/XX/20. Amazon accepted request and sent out a return label.XX/XX/XXXX. Shipped item back to the address Amazon provided on XXXX XXXX. Item of {$480.00} was placed on my XX/XX/XXXX Chase Amazon Credit Card along with a charge of {$85.00} for a XXXX XXXX bill which was correct. Item was received at the Amazon location on XXXX XXXX and proof of delivery was signed by " XXXX ''. Chase Amazon Credit Card credited my account {$480.00} on my XX/XX/XXXX billing. Chase Amazon Credit Card then placed both items back on my card on my XX/XX/XXXX billing - The {$480.00} item and the {$85.00} XXXX XXXX charge.Called Chase Amazon Credit Card on XX/XX/XXXX and was told to file a dispute. Faxed dispute on XX/XX/XXXX and mailed out a copy as well. Chase Amazon Credit Card denied my dispute on XX/XX/1920. After numerous calls and the general run-around on XX/XX/1920 Chase Amazon Credit Card decided as a one-time generous gesture, they would credit my account {$100.00} and I should be grateful to eat the balance. I did not notice the rebilling of the {$85.00} XXXX XXXX charge until later.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I was XXXX in XXXX in the XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. with the XXXX. I had my attorney and my XXXX sent my orders I was there. no way I could be in some small town in XXXX XXXX miles from my home in Florida. it was a secured card I forgot I even had any more. so when gone someone found it on the web and went fun with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This this the third time I am reporting unauthorized accounts and unauthorized injuries on my credit profile.

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 2020-09-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Target  has reported a fraudulently opened account on my credit ... It went to charge off and damaged my credit. Numerous attempts to request Target  to validate this account went ignored, they have NOT provided in writing any copies of the original application or payments that they supposedly received on this account. I have been disputing this with them for 6+ months now only get ignored and finally I spoke with a person on XX/XX/XXXX, who offered me settlement on the account in lieu of deletion. Even though this was NOT my account I agree to pay so they could delete. After they received the payment they refuse to delete this account and this is hurting my report in great deal ... I provided to them all I could police report, copy of my ids and ss card so they could compare it to what they have and know it is identity theft. But they ignore, arrogant and negligent have NOT provided me any proof validating ownership of this account and only took money that did not belong to them ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: MA

Complaint narrative:
I cancelled my XXXX XXXX credit card on XX/XX/20. Since I live in Massachusetts, according to Part I, Title XX, Chapter 140, Section 114C of Massachusetts General Laws, I should have received a prorated refund of the {$400.00} annual fee. I contacted US Bank multiple times, but they would not provide a refund.

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 2020-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I refinanced my mortgage, original loan was with BBVA, new lender is XXXX. 

On XX/XX/2020 a payment was received by lender BBVA USA covering the total payoff amount to that day : {$250000.00}. 

Although payoff had been made, on the same day, XX/XX/2020, BBVA 's automatic payment system pulled the monthly XXXX payment for my BBVA mortgage in the amount of {$2300.00}. 

After I learned that such monthly payment had been made even if payoff had been performed, I called BBVA and after explaining the situation I was assured that I was going to receive a reimbursement of that monthly ( XXXX ) payment made in the amount of {$2300.00}. They mentioned that it should receive my reimbursement along with the one of my escrow account ( {$8200.00} ) in around 20 business days. Thus, I was expecting to get my {$8200.00} ( balance escrow account ) + {$2300.00} for a total of {$10000.00}. 

Although they had no reason to keep my money I waited for it thinking it is a standard process ( where they profit from their client 's money even if they have no reason to withhold payment ). 

Today, XX/XX/2020, I received an envelope from BBVA with a check in the amount of {$9800.00} ; only the check, NO EXPLANATION AT ALL, failing to comply with their duty of good faith, along other obligations. 

After calling BBVA to ask why I was not receiving my {$10000.00}, the BBVA employee explained that BBVA applied the monthly XXXX payment before calculating the payoff, EVEN WHEN PAYOFF WAS MADE BEFORE ON THE SAME DAY, and when previously another employee of BBVA had assured me that BBVA was going to reimburse fully the " XXXX '' monthly payment. Basically I should have received {$10000.00}, instead I received {$9800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I purchased a home in XX/XX/XXXX. PHH Mortgage was mortgage holder for prev owner. However, PHH Mortgage is still attempting to collect a debt on my property owed by prev owner. They are consistently sending bills and sending a man to my home on a monthly basis to " inspect '' my home. He is trespassing by going into my yard, driveway, porch and taking multiple pictures of my home. I am outraged that I have this strange man consistently coming on my property violating my privacy and taking pictures. I am at the point where I am going to reach out to law enforcement and provide this man 's photo and license plate for trespassing. The first time I caught this man on my property was XX/XX/XXXX when I saw him on my doorbell camera, I was extremely upset and concerned to see a man lurking around my home taking pictures especially since I have children. He never knocked or rang doorbell and by time I got outside he sped off and I was able to take a pic of his vehicle. Later my neighbors mentioned this is not the first time they have seen this strange man. The following month he returned again. I determined that it was related to PHH Mortgage 's inspection process so when I received an unsealed envelope with a mortgage statement inside I called XXXX on XX/XX/XXXX and spoke w XXXX ID # XXXX. I explained my concerns, and I was assured he would forward the information that I am the new owner for several years. I also advised him owner information is public and he could find it on the city and county website. I hung up with the promise that this would be stopped and he provided a phone number XXXX XXXX. On XXXX the man returned so I made another call to XXXX, and XXXX and spoke with XXXX ID # XXXX. I advised I spoke to XXXX he said that he knew him and that he and XXXX were both supervisors. I spent about 1 hour on the phone again and was reassured and promised this would not happen again. The same man returned today XX/XX/XXXX! I need this to stop immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc.
State: PA

Complaint narrative:
To Whom it May Concern : This Complaint concerns Receivables Management Systems, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, VA XXXX. A XXXX XXXX was already supplied to these people three times. Per the Fair Credit Reporting Act, upon their receipt of this Affidavit, they were supposed to cause the removal of this alleged account from my credit report. They have already failed to do so, and thus have already violated the Fair Credit Reporting Act.

Even if this account were legitimate which it is not - please make note of the balance they have reported to XXXX   as to this  alleged debt from XX/XX/XXXX to present, namely : Date Balance Change XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$240.00} About 13.2 % Annual Interest XX/XX/XXXX {$240.00} About 13.2 % Annual Interest XX/XX/XXXX {$240.00} About 13.2 % Annual Interest XX/XX/XXXX {$240.00} About 13.2 % Annual Interest XX/XX/XXXX {$250.00} About 13.2 % Annual Interest XX/XX/XXXX {$250.00} About 13.2 % Annual Interest XX/XX/XXXX {$260.00} About 13.2 % Annual Interest XX/XX/XXXX {$260.00} About 13.2 % Annual Interest XX/XX/XXXX {$260.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} {$37.00} reduction, no payment made XX/XX/XXXX {$230.00} About 10.7 % Annual Interest XX/XX/XXXX {$230.00} About 10.7 % Annual Interest XX/XX/XXXX {$240.00} About 10.7 % Annual Interest XX/XX/XXXX {$240.00} About 10.7 % Annual Interest XX/XX/XXXX {$240.00} About 10.7 % Annual Interest XX/XX/XXXX {$240.00} About 10.7 % Annual Interest Per my XXXX   credit reports from XX/XX/XXXX to XX/XX/XXXX, they appear to have been charging an approximate average of 13.2 % annual interest on this alleged debt. No contract exists where I authorized such interest on any such alleged debt. 

Per my XXXX credit report on XX/XX/XXXX ( see enclosed ),  for no apparent reason, they appear to have made a {$37.00} reduction in my alleged balance. I made no payment. 

And then, per my XXXX  credit reports from XX/XX/XXXX to present, they appear to be this time charging an approximate average of 10.7 % annual interest on this alleged debt. No contract exists where I authorized this amount of interest either. 

Their credit reporting simply can not be accurate, even if this account were legitimate. 

I am requesting that this fraudulent and inaccurate account be deleted from my credit immediately. 

Thank you for your time and attention to this matter, and I remain Very truly yours, /s/ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XXXX I called BOA because due to Covid 19 I lost my XXXX XXXX. I was struggling to make my payments and I was very worried about future payments as well. I called and they put me on a forbearance plan which ended in XXXX. On or about XX/XX/2020 I received a letter stating that If I made my mortgage payment by XX/XX/2020 then my 5 month delinquency would be put at the back of the loan. On the XXXX of XXXX I received a call from BOA stating the same information. I followed instruction and paid my XXXX payment and did that. BOA recently sent me a loss mitigation package in addition to a new statement stating that I owe XXXX. I called BOA and spoke with my representative and she said that the XXXX letter that was sent was a mistake and to fill out the loss mitigation package that was sent. She also stated that a lot of people were calling about the same thing. I am tired of BOA has robbed me once and I refuse to let them do it again. When the mortgage crisis was out I asked them for a year for help and got no where with them. When the Department of Justice modification came out BOA conveniently transferred me to XXXX XXXX  and I was given the hamp program. Don't get me wrong I appreciated receiving that program but I should have received the DOJ modification. Instead they put a XXXX balloon at the end of my loan instead of forgiving it, It is evident that was their intent. After XXXX  modified me I was transferred back to BOA. The DOJ even said how well and quick the resolved these issues with their customers. I will not allow them to take anymore money from me. Now they want to review my loan so they can change my interest rate increase my payment as well. I put XXXX down on the purchase of this property and 14 years later I owe more than when I started. They are doubling up and getting their money twice. They are receiving the original principle and then adding the delinquency. I am tired of being robbed by them. It seems everything they do benefits them and not the homeowner.

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 2020-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX LVNV FUNDING LLC Last reported XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from
identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has re sulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection
with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter  very serious LVNV FUNDING LLC Last reported XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications and accounts  Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Third attempt in reporting unauthorized accounts and unauthorized injuries on my credit profile.

Company response to consumer: Closed with explanation