vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I closed on my loan with Fremont Mortgage on XX/XX/XXXX. I was approved for loan modification 2x in XXXX. I was approved for another loan modification thru Ocwen Mortgage in XX/XX/XXXX with trial payments starting in XX/XX/XXXX. After the trial payments Payments began. The loan modification shows {$52000.00} be removed from the mortgage for 3 years. Ocwen then turned over my account to PHH Mortgage Services, XXXX  XXXX NJ who then turned it over to XXXX Collector ; XXXX ; email : XXXX XXXX has added added additional money to the new modification by going back to the original loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I continue to ask to not call. Not to mention she calls before XXXX XXXX. I am exhausted and beat up over it. I get it. Covid-19 has create a stress factor and I XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America is retaliating against me for placing the initial consumer complaint. As a result, they have frozen my account. When I attempted to use my account on Sunday, XX/XX/XXXX, the retail representative said that this card has been reported stolen. I immediately contacted Bank of America and spoke with XXXX, ID XXXX, he informed me that my accounts were frozen. He advised that a letter was mailed to me on XX/XX/XXXX, As of XX/XX/XXXX at XXXX, I have not received any notice. 

I attempted to access my account online and it advised that the User ID is no longer valid. I called Bank of America again, an a representative created a new user ID for me. With this new user ID, I accessed the account, and transferred the funds out of it. I also was able to download all of the account activity. 

Currently, there are balances in my Bank of America accounts but they froze my account, and prohibited me from transferring funds out of it, and is charging banking fees of {$29.00}. I went into the Branch located at XXXX XXXX XXXX, XXXX, MD XXXX and discussed this matter with the Branch Manager. She attempted to assist me but informed me that the account is in frozen status, and she will not be able to do anything on the account. She informed me to contact the Risk Department. 

I contacted the Risk Department at XXXX and provided them the answers to their security questions. After doing so, the Agent XXXX advised that she is having trouble authenticating the account and informed me to go into the Branch to gain access to the account. I informed her that I was at the Branch and the manger advised that I need to get in touch with the Risk Dept. 

While still on the phone with XXXX, I went into the Branch at XXXX XXXX XXXX, and handed the phone to the Branch Manager. The Branch manager, provided the representative her information, and the representative advised that she will not be able to speak with the Branch manager. 

I will like my funds returned to me immediately, Remove the fees that you have charged my account, and provide me interest on the funds that I did not have access to.

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 2021-06-09 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:
Letter makes to credit bureaus and no response in 30+ days ; included were notarized copies of my social security card and drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
PLEASE BE ADVISED THAT THIS IN FACT A HUMAN BEING. TO WHOM IT MAY CONCERN, MY CONSUMER REPORT HAD A FEW ACCOUNTS LISTED AND TO MY KNOWLEDGE AND UNDERSTANDING, I REALIZED THE ACCOUNTS WERE OPENED FRAUDULENTLY IN MY NAME. I AM AMAZED TO FIGURE OUT HOW MY INFORMATION WAS FOUND AND USED TO OPEN THE ACCOUNTS. I RECIEVED AN EMAIL ALERT THAT MY INFORMATION WAS LEAKED IN THE XXXX AND EXPERIAN DATA BREACH, AND THAT'S THE ONLY WAY I COULD THINK OF AT THIS POINT. I AM HIGHLY XXXX AND UPSET THAT SOMETHING OF THIS NATURE COULD POSSIBLE HAPPEN TO ME AND THIS IS IN FACT A VERY SERIOUS MATTER. IT HAS DAMAGED MY REPUTATION AND HAVE PLACED ME IN A SPACE OF EMPTINESS, I AM VERY DISHEARTENED AT THE FACT THAT SOMEONE WOULD ATTEMPT TO USE MY PERSONAL INFORMATION TO OPEN ACCOUNTS. I AM PERSONALLY SENDING YOU THIS MESSAGE NOTIFYING YOU THAT I DID NOT GIVE AUTHORIZATION NOR AUTHORIZED IN WRITING OR TO THE COURTS NEITHER OF THE ACCOUNTS TO BE OPENED. THE ACCOUNTS NEED TO BE DELETED PERMANENTLY AND IMMEDIATELY PURSUANT 15 US CODE 1602 ( P ) THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER ACCORDING TO 15 US CODE 1681 ( A ) ( 4 ) THE LAW STATES THAT INACCURATE INFORMATION IS BEINF REPORTED TO MY CONSUMER REPORT AND IS CAUSING MAJOR DISTRESS FOR SOME TIME NOW DURING THE PAST FEW YEARS AND THE PANDEMIC OF COVID 19. BEING THAT I DIDN'T AUTHORIZE THE ACCOUNTS, OR TRANSACTIONS, THIS IS IN FACT AN ACT OF IDENTITY THEFT. ANY ACCOUNTS OPENED FRAUDULENTLY WITHOUT A CONSUMER AUTHORIZATION OR WRITTEN AUTHORIZATION IS A FORM OF IDENTITY THEFT AS I STATED ABOVE. THE ACCOUNT 1. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. THE ACCOUNTS WEREN'T OPENED BY ME AND IT CAN NOT BE VALIDATED THAT I OPENED ANY THE TRADELINES. ACCORDING TO 15 US CODE 1681 S-2 ( A ) ( B ) NO AGENCY SHOULD BE REPORTING INACCURATE INFORMATION ON A CONSUMERS REPORT AND IT SHOULD BE DELETED IMMEDIATELY AND PERMANENTLY. THE ACCOUNTS ARE LISTED BELOW XXXX XXXX XXXX XXXX XXXX XXXX ARE IN LITIGATION AT THIS MOMENT.

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 2021-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken
State: MI

Complaint narrative:
Who : XXXX crypto currency exchange-bank date : XX/XX/XXXX XXXX thru XX/XX/2021 amount : {$13000.00} Problem : i sent USDT XXXX ercXXXX   to my eth address which is totally common and is how almost every wallet and exchange ive ever used transfers all ercXXXX tokens. they go to your etherium wallet. 
They also told me they would attempt to recover my funds and its been 4 months and they have done nothing. I have been trying to stay in contact with XXXX but now they are avoiding me. They are doing this to thousands of people and its unfair and needs to stop immediately and we deserve our hard earned money back. 
If you look on the Etherium block chain, and go to my XXXX wallet number, the usdt is sitting in the wallet and shows the amount and all details, then you go to XXXX XXXX and to my wallet with the same numbers, and the money is not there. Its been 4 Months and i need my money back. 
We need your help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Asked XXXX XXXX with a goodwill letter cab they help with 2 late payments with me having a illness causing me to be late then later covid put me out of work. No reply to emails

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 2021-06-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I monitor my credit report using XXXX XXXX and XXXX. When I checked my credit score on XX/XX/XXXX, my credit score had dropped 59 points on XXXX XXXX. I understand that XXXX XXXX is a third-party, so I checked my Equifax report through Equifax.com. They showed a drop of 56 points. The accounts that are reporting on my credit report have been reporting. The negative and positive ones. According to XXXX XXXX the only change that had taken place was that my credit card balances were paid down and that a negative account was removed from my credit report. This was the same on Equifax.com. Therefore, two positive occurrences happen yet my credit score dropped tremendously. Again today XX/XX/XXXX, I check my credit score I did open a new account Equifax dropped my credit score 39 points for the new account. XXXX I lost three points for the new account. And XXXX I lost 11 points for the new account. But Equifax dropped 39 points for the new account. That coupled with the 59 points that they dropped me for the positive changes on my credit report, has dropped my credit report to XXXX with Equifax when everyone else is at XXXX. I did call to speak to Equifax I did ask that an investigation into this matter be open I was denied the manager I was denied the investigation and the representative stated that a negative Point drop when two positive actions have taken place Justified a 60-point drop at that time. And now a new account has dropped me 40 points. There is clearly a problem in the Equifax system here that they need to address. I also find it completely funny that you're speaking to someone who is not from the United States about your credit reporting for the United States and they have no idea what credit is because they don't have it in their own country. This needs to be investigated and resolved immediately. Equifax can not do this to people I am working on trying to purchase a home and I understand that we rely solely on technology. But no additional negative accounts, and a negative account being removed, paying down two credit card balances to less than 1 %, and opening an account does not constitute a 100-point drop on your credit score. I would like this matter investigated and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
On XX/XX/2020, XXXX XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transfered and I no longer responsible for the account. Debtor 's creditor did not verify this collection. Also there was no written for of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anyone can send a bill and say it is mine. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I spoke with Commenity Bank  in regards to multiple accounts I have with them ; Victorias Secret, Wayfair, XXXX, and XXXX XXXX. They demanded I pay them a sum of {$120.00} in XXXX to put myself into a payment plan for my cards because COVID impacted my income. I got the funds together snd made a payment to them to prevent them from filing legal action against me by their attorneys as they threatened they would do if I didnt send them the money by the end of the day. 
I called back in to submit an over the phone payment of {$120.00} and set myself up in a payment plan for my cards ( before the end of that same day ). Three cards draft out ( Victorias Secret, Wayfair, & XXXX XXXX ) on the same day every month, the XXXX, for {$15.00} EACH. The XXXX card is {$10.00} and comes out later in the month. I had to stay current and make sure the funds were in my chase debit account in order to ensure the auto-Draft was good and the funds were available. I did this and have been doing this since the first set of three payments were taken out XX/XX/XXXX. HOWEVER, Comenity bank has since marked my credit report as having NOT made my payment for 120 days on my Victorias Secret card, marking my credit report with multiple Major Derogatory claims. I pulled up my bank account that I monitor AND their past payment information section on my account snd noted that every payment they deem I did NOT PAY, was drafted OUT OF MY ACCOUNT and I have never been hit with over draft fees. 

They have not fixed this matter and have not updated my account with them to reflect XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX have been paid ON TIME and have not deducted the amounts out of my account balance!!!! They also have now removed me from the payment plan for this card and want to charge me {$35.00} in auto draft. I am furious. This has dropped my credit score SUBSTANTIALLY as I am trying my best to repair and pay off debt that COVID caused me to accrue as I lost thousands of dollars of income due to the pandemic and one entire job. 

They are FRAUDULENT and THREATEN their customers with severe legal action against them if they dont cough up money- REGARDLESS of the reasons being loss of wages and income due to a global pandemic. This is crippling me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: PA

Complaint narrative:
To whom this may concern, This notice of complaint against RoundPoint Mortgage is begin submitted to all regulators of the company.

This complaint is due to the mortgage lender not making tax payments in a timely manner, resulting in late fees and delinquency notices to be sent to me by the tax authority. I reached out to RoundPoint regarding the error and ended up paying the property taxes myself to avoid further legal action. This payment was over {$6000.00} that came from my bank account and should have come from the escrow that Ive been paying into in accordance with my responsibilities. 

I contacted RoundPoint several times beginning in XXXX. They admitted that this was a mistake on their end and that they would reimburse my account for the late fees and payment made, and send a check to me returning the {$6000.00}. It is now XXXX and this payment still has not been made. 

If I didnt make the correct payment that was owed, and continued to not pay for over a month, I would be charged large late fees as a percentage of my payment each day. And yet they have not paid an amount THREE TIMES what I typically would owe for OVER A MONTH and have no consequences for this.

This is unacceptable.

People do not have THOUSANDS OF DOLLARS laying around in excess to pay for the mistakes of mortgage servicers. I do not have thousands of dollars to fund RoundPoint for not doing their job. This money could have been accruing interest via various investment means and is creating further loss and damage to me each day.

These actions are in violation of the Pennsylvania Department of Banking and Securities ( DoBS ) 10 PA.CODE CH. 59 regarding timely escrow payment. 

Please advise corrective action. 

Regards, 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 2021-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Letter makes to credit bureaus and no response in 30+ days ; included were notarized copies of my social security card and drivers license.

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 2021-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Over the last two years I have disputed the validity of student loans and a car loan that was placed on my credit report fraudulently. The credit bureaus respond to my dispute stating the debt has been validated, but according to 15 USC 1681 ( a ) ( e ) upon investigation i the consumer along with my family, associates, and neighbors have to be interviewed and this interview never took place so how can the debt be verified. Also according to 15USC 1602 I am an administered agent my social security card belongs to the social security administration therefore I do not own the social security number nor any debt attached to it. According to 15USC 1681 ( b ) ( a ) ( 2 ) the credit bureaus need my written consent which I NEVER gave them to furnish a consumer report. According to 15 USC 1692 ( g ) the 5 requirements for validation were never fulfilled. These are numerous violations of the law being made by these bureaus that is impacting my quality of life egregiously.

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 2021-06-09 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity.

I demand an investigation and removal of this collection account that does not belong to me. The Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report. I demand this will be deleted.

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 2021-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I never gave XXXX TransUnion or XXXX consent to furnish a consumer report on me they are violations of my consumer rights as federal protected consumer Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2021-06-09 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: MI

Complaint narrative:
I never gave Equifax XXXX or XXXX consent to furnish a consumer report on me they are violations of my consumer rights as federal protected consumer Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation