vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-31 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ocwen Financial Corporation
State: DC

Complaint narrative:
Hello, I sent in a request to PHH mortgage XXXX XXXX explainingthat on XX/XX/XXXX, I reached out to the company. At that time my mortgage was LESS than 90 days late. I spoke to a representativeon the phone and she told me exactly what I needed to send in to bring my account current. I sent a cashier 's check of {$6300.00}. That money covered XXXX, XXXX and I was paying my XXXX payment in XXXX. I paid all the way up till XXXX. However, Ocwen claimed that they never receivedthe payment. They said they were researching the payment. I went to my bank and got all the receiptswhich revealed that I got a cashier'scheck on XX/XX/XXXX for {$6300.00} and on XX/XX/XXXX for {$670.00}. On XX/XX/XXXX, Ocwen transferredto PHH and you all lost my payment in the process. I was told not to pay again until XXXX while they look for the money. When the money was found I wasn't even notified, I was never treated with any respect, no one ever returned my emails or my calls. I had to call around the clock! In the end, you never acknowledged your error. On XX/XX/XXXX, I once again reached out to see what was going on with my mortgage and I was told by XXXX XXXX that I would be notified by mail. The mail came and I read that my house was in FORECLOSURE! I was mortified because how was my house in foreclosure when I paid my bill and I was never over 30 days behind? The company forbade me from sending in my XXXX payment until they found the lost payment. I filed complaintswith the XXXX  and the Consumer Protection Agency and I am doing so again. Your company responded to my complaint on XX/XX/XXXX and the letter stated : '' On XX/XX/XXXX we receivedfunds in the amount of XXXX which was applied to payments for the period of XX/XX/XXXX through XX/XX/XXXX with an effective date XX/XX/XXXX ''. This response did not address my issue, it doesn't acknowledge that my money was lost by PHH/ OCWEN in XXXX and that XXXX was what I was forced to pay to get my house out of a foreclosure it never should have been in in the first place. I request that the existing fees be waived as I never earned them. Also, any money I was forced to pay that I did not owe associated with a foreclosure that was NO fault of mine be sent. I have sent you copies of the funds i took in XXXX. In XXXX of XXXX, I owed XXXX and XXXX as it was not the end of XXXX yet and I paid what was owed, this company is unprofessional and you are dishonest and lack integrity. I want my letter to be properly addressed this time and I want the fees removed from my mortgage expeditiously. I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: General Motors Financial Company, Inc.
State: IA

Complaint narrative:
On XX/XX/2021 the company AMERICREDIT ran a Hard Inquiry without my consent. I'm now attempting to resolve that issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
FRAUD & THEFT XXXX FINANCIAL HARM/ DAMAGE TO PERSONAL CREDIT. 
My name is XXXX XXXX NOT XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, charged for a procedure that never took place for the patient. A XXXX XXXX  was done w/ NO additional medical labs work, NOR any medical procedure done with NO medical release for the patient that wasn't me. Financial contracts were signed XX/XX/XXXX through GENESIS CREDIT fs card services {$5000.00}, ( ACCT # XXXX ) /contact # XXXX XXXX. Since such time as I was declined of a credit card XX/XX/XXXX and my credit reports ordered that I noticed harmful information on my reports by GENESIS CREDIT aka XXXX XXXX ( credit reporting ). Contact was made by mail and phone to both XXXX & GENESIS CREDIT to NO prevail of theft & negative info. It is now with due diligence that government intervention is necessary in these fraudulent affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: TN

Complaint narrative:
15 USC 1681i ( a ) Reinvestigation of disputed ( I ) Reinvestigation information Notice is of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than b business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency, ( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) - ( 1 ) a statement that the reinvestigation is completed ; ( li ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( li ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information/contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. " XXXX XXXX XXXX # XXXX Accounts : XXXX XXXX XXXX # XXXX Accounts : XXXX XXXX XXXX # XXXX Accounts : XXXX Bankruptcy XXXX # XXXX Accounts : XXXX XXXX XXXX # XXXX Accounts : XXXX XXXX XXXX Accounts : XXXX XXXX XXXX # XXXX Accounts : XXXX XXXX  XXXX 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 non-monetary relief
Consumer complaint received 2022-10-31 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
15 USC 1681i ( a ) Reinvestigation of disputed ( I ) Reinvestigation information Notice is of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than b business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency, ( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) - ( 1 ) a statement that the reinvestigation is completed ; ( li ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( li ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information/contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. " XXXX XXXX XXXX # XXXX Accounts : XXXX XXXX XXXX # XXXX Accounts : XXXX XXXX XXXX # XXXX Accounts : XXXX Bankruptcy XXXX # XXXX Accounts : XXXX XXXX company # XXXX Accounts : XXXX XXXX XXXX Accounts : XXXX XXXX XXXX  # XXXX Accounts : XXXX XXXX  XXXX 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 non-monetary relief
Consumer complaint received 2022-10-31 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of account ( s ) below had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX 15 U.S Code 1681 section 602 A. States I have the right to privacy 15 U.S. Code 1681 section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions 15 U.S Code 1681c ( a ) ( 5 ) : states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antecedent the report by more than seven years.

15 U.S Code 1681s-2 ( A ) ( 1 ) : a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: ALLY FINANCIAL INC.
State: IA

Complaint narrative:
On XX/XX/2021 the company XXXX ran a Hard Inquiry without my consent. I'm now attempting to resolve that issue.

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 2022-10-31 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: Global Lending Services LLC
State: IA

Complaint narrative:
On XX/XX/2021 the company XXXX ran a Hard Inquiry without my consent. I'm now attempting to resolve that issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There's information that's on my consumer report that is a result of identity theft and fraud. I did not provide permission to anyone to TRAFFIC my personal identifying information that is being reported on my consumer report. Also I have the right of privacy as a consumer. And my privacy rights has been violated.

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 2022-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kirschenbaum & Phillips P.C
State: NY

Complaint narrative:
Identity theft in 2009 Removed off report Company got a judgement They proceeded to restrain and freeze bank account for the amount. This was 11 years ago and in identity theft that was removed off report because did not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
On XX/XX/XXXX between the hours of XXXX my vehicle was seized, and held by Exeter Finance LLC XXXX with a partnering tow company XXXX XXXX XXXX less than 2 days after I filed a complaint with the CFPB for a null contract that I attempted to have rescinded with them and all my payments returned. When I discovered their attempt to defraud me out of payments by a clause in the contract, and attempted to demand remedy by way of refund, and return of title, they then denied my attempts to in good faith recover what was mine to begin with. I in turn filed a complaint with the CFPB to attempt to have mediation in the situation so that it may be remedied lawfully, and all that is due to me including damages be returned. 

I have then since received mailings from the company claiming to have lawful right to the collateral, and a notice of a their plan to sell my car which they have no lawful right to do so per : 15 U.S Code 1692f Section 6 which states : Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. 

My attempt to make them aware that the contract was null due to false or misleading representations have just been met with denials by the company with no actual lawful precedence that they are within the scope of the law with continuing to pursue collection for a debt already paid in full upon purchase. 

I have not received any lawful mailings of judgement, lawful lien holder judgement from the company XXXX Exeter Finance LLC ) or the partnering company XXXX XXXX XXXX XXXX ) that will allow them to be able to lawfully seize and hold my car, while denying my right to redeem my vehicle from the tow lot of the partnering company XXXX XXXX XXXX XXXX ). I have performed a search for any liens or judgement placed on my vehicle by the company in state the vehicle was purchased which gives them the right to my property ( car ), and I have found none since the vehicle was purchased on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
Intentionally failed to submit summons or complaint to notify defendant of a lawsuit. Has a bad history of withholding critical information from consumers concerning lawsuits and verifying and validating debts. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I initially purchased something in XXXX of this year. And returned the item in person as well and was not credited that money. I then later received a bill for a payment that I should have not have to pay. So I started to try and work this out since early XXXX. I also send over a copy of the receipt that I had to clear things out. I spoke to numerous people no one really helped to get things done. They did mention that it was maybe because they changed banks, but sorry that is not my fault. This should have not happened. I filed a dispute and then they closed it and I had to call again so they could recheck. They told me to wait and where not helping at all. I finally called because I did not hear from them. They said this month after they told me not to worry because they where working on the disputed to just wait. So I got tired of not hearing anything so I flared yet again and they said they closed my account!!! Their bad actions of not helping had affected my credit. I need them to fix it ASAP!!! This is so sad that they just tied to wash theirs hand and affect my credit. I need for someone to fix this. I am in process of trying to purchase a home. Please have them fix my credit. 

In the attached paper is the receipt I also sent them so they could fix it fast. It is so old now that you cant really see but it was the proof I only needed to show them. It has taken them almost 4 months.

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 2022-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I recently purchased a XXXX and the loan is financed through Chase. I went to enroll my online account and it had incorrect information for my email and cell phone so I could not authenticate online. I called Chase a few days later and they stated they had updated my information ( email and phone ). I tried to pay my bill and I get an error message on the website, I tried for a week to get the website to work, and kept getting the same error message. I called Chase, they said they don't know what the issue is, but she said she reset my account and had me try to login on two different computers, but it did not work. She transferred me to another agent who stated the website was down and try again in XXXX hours. I attempted to login again and have the same message. I called Chase again, they transferred me to the auto loan department that was closed. I called back, and they again transferred me to a closed auto loan team. We had asked to pay over the phone before the transfer and the agent did not offer to process the payment before the transfer. 

This was on the due date of the loan XX/XX/2022. I had tried for weeks to get everything setup and could not do so. I attempted to login again today and have the same error message. I was able to get to the auto loan XXXX and setup a payment, that is 1 day late at this point. The website still does not work. The agents are still attempting to authenticate me using the outdated data for my phone and email. I don't want this to show as a past due on my account or credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I wasted about 2 hours today getting transferred between incompetent agents who had no clue on how to do their job. 
XXXX was advertising the Barclays XXXX card and since I am a member I decided to apply. The application experience was the worst that I have ever encountered. The application went to pending and the website doesn't even provide any sort of application or reference number. I tried to reach out and they ended up transferring me at least 6 times over 4 phone calls. One agent even transferred me to XXXX, I cant even imagine this sort of incompetency. 

Anyways, I am XXXX XXXX XXXX of 12 years. I have an existing active Barclays Savings account which had pretty substantial funds in that. I had plenty of Barclays card in recent past. I have an XXXX XXXX XXXX. But looks like Barclays credit card department is totally dysfunctional and can't figure any of this out and I guess all these departments are siloed and dont talk to each other. They want me to fax or mail them a copy of my social security card, a copy of my passport and a copy of my utility bill. Even in this day and age, they have no way to securely upload or email any of this. I dont feel secure faxing or mailing any of this specially a copy of the front and back of my Social security card. 

I am filing this complaint in the hope that it might reach someone sensible at Barclays who can fix this fiasco.

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 2022-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: AZ

Complaint narrative:
I called Ed Financial Services and told them I made a large payment and that I couldn't locate it. I called Student.gov, my previous lender which was XXXX XXXX XXXX, and no one could recall I made the payment. My balance initially before making the payment was {$12000.00} approximately. Once I made the payment of {$5000.00} even it brought it down to {$7800.00} approximately. I have had fraudulent discrepancies in the past with the education department. I contacted my bank and was able to locate the payment. I ask Ed Financial to help assist me with investigating this and correcting the problem. I still haven't heard back, and I don't believe they are planning to do anything about it. I also ask them to refund the money I paid due to the one-time student loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Back in XXXX of 2022, I checked my credit report and noticed a collection account on here by the name of Portfolio Recovery Associate Account # XXXX From XXXX XXXX for {$2600.00} I sent in multiple dispute letters in XXXX in hoping to resolve this matter with the creditor and the credit Bureaus. I did not get a response from any credit bureaus. 

According to 15 U.S.c Sec 1681, credit bureaus do not have the right to furnish anything on my credit report that is false and do not belong to me without my permission. 
Please investigate and remove this collection account off of my credit report as it hurts my credibility to financially borrow.

Company response to consumer: Closed with explanation