vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I can not access my PHH Mortgage account at all using their online portal. I had forgotten my password. They sent me a link with my new password. That password did not work. I tried again and that password also did not work. I took a screen shot of both my email with their password and their web site with the password and my exact username not working. I believe being unable to access your own account violates CFPB guidelines.

I also saw that they reported my account as delinquent one day and fixed it the next day on my XXXX  credit report. I would like to know why. I also would like to know if my auto pay is turned back on as they mistakenly removed it twice this year, causing my credit score to drop 140 points for the first time in 20 years.

Their customer service is horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: AZ

Complaint narrative:
I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
A bank account with TD Bank was opened in my name, XXXX XXXX and when i recieved a bank statement for an account that wasnt mine i reported to TD Bank and had the account closed. it looked as if someone was managing large sums of money and redistributing it to a XXXX  XXXX credit card which was also opened in my name, XXXX XXXX. None of these were done with my knowledge. The name involved was a XXXX XXXX from what the bank told me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX # XXXX XXXX XXXX FL, XXXX Address ID # XXXX is not my present address nor is it my previous address i have requested that experian delete XXXX XXXX XXXX # XXXX XXXX XXXX FL, XXXX Address ID # XXXX from my credit report but transunion is adamant on violating my rights under the FCRA guidelines by refusal to delete this address even after numerous requests to have it deleted. attached is my credit report with demonstrating evidence

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: TN

Complaint narrative:
I went to XXXX XXXX for a medical issue with my XXXX. I had a new job and there was a question of if my medical or optical insurance would pay. I then paid the original amount via my HSA portal. I received no further communication after paying through my HSA portal. I ran my credit report earlier this year. That is when I saw the balance from XXXX XXXX XXXX office. I immediately sent a personal check of {$210.00} ( cleared XXXX ) and requested documentation for me to be reimbursed for both charges by my HSA. I have reached out to Capital Accounts LLC multiple times to have this collection either removed from my XXXX, XXXX, and XXXX  reports or at least list the balance as paid. Capital Accounts LLC has refused to do either and keeps insisting to the credit bureaus that the balance is unpaid.

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 2021-09-05 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: Source Receivables Management LLC
State: IL

Complaint narrative:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Source Receivables Management violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
This information reporting on my credit profile is inaccurate and I would like you to validate that it belongs to me. Per the accounts below : EQUIFAX : XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX {$2000.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$4800.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$200.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$50.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX Original creditor : XXXX XXXX XXXX {$2400.00} Account number XXXX Collection opened XX/XX/2XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: AZ

Complaint narrative:
I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places

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 2021-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: AL

Complaint narrative:
MY dispute was delivered on XX/XX/XXXX to Convergent outsourcing simply asking them to provide the following information y. I requested verification of the alleged debt. Specifically, I requested the following items for verification : ( 1 ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( 2 ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( 3 ) evidence and an itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me. ( 4 ) Proof that this is an account as defined in Title 15 1693 A ( 2 ) the term account means a demand deposit, savings deposit, or other asset accounts. You are illegally attempting to collect the alleged debt because I do not owe that amount. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification.

I have not received a response yet Convergent outsourcing has failed to respond to my verification request. I want this alleged account deleted from all consumer report agencies immediately.

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 2021-09-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
not listening as there is many faults to the purchase of my home as i believe in fraud. As in a XXXX indebtness on house that was not told about or aware as in property survay that is correct and was from a website instead of title company itself. There is three property descriptions with with three different county and names descirbed and much much more.

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 2021-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
This information reporting on my credit profile is inaccurate and I would like you to validate that it belongs to me. Per the accounts below : EXPERIAN : XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX {$2000.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  {$2900.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$4800.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$200.00} Account number XXXX Collection opened XX/XX/2018 2018

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 2021-09-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was notified by Experian that an account I had with XXXX XXXX XXXX had been closed. In the notations it said " Account closed at consumer 's request ... ''. I disputed this for a few reasons. First, I had never been contacted by XXXX XXXX about this account nor had I in any way requested the account be closed. I then disputed XXXX XXXX 's claim via Experian and have recently been told the exact same thing ; in effect, my dispute was worthless. Another reason I disputed this issue is that it's well known that XXXX XXXX has had issues with ethics in recent years and this seemed to be another ( albeit small ) example ; misstating the facts. If XXXX XXXX can actually prove that the consumer ( me ) asked for the account to be closed I will retract. However, I can not, no person can, prove a negative ; I can't prove something I didn't do other than simply stating I did not request for the account to be closed.

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 2021-09-05 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: TX

Complaint narrative:
XXXX, TRANSUNION, and XXXX  continue to report false and fraudulent information to my credit report! I've sent multiple letters to each credit bureau pertaining this false information and they have failed to do a proper investigation as per FCRA guidelines! 
XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-09-05 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: TX

Complaint narrative:
XXXX XXXX, and EQUIFAX continue to report false and fraudulent information to my credit report! I've sent multiple letters to each credit bureau pertaining this false information and they have failed to do a proper investigation as per FCRA guidelines! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was notified by XXXX  that an account I had with Wells Fargo/XXXX XXXX had been closed. In the notations it said " Account closed at consumer 's request ... ''. I disputed this for a few reasons. First, I had never been contacted by Wells Fargo about this account nor had I in any way requested the account be closed. I then disputed Wells Fargo 's claim via XXXX  and have recently been told the exact same thing ; in effect, my dispute was worthless. Another reason I disputed this issue is that it's well known that Wells Fargo has had issues with ethics in recent years and this seemed to be another ( albeit small ) example ; misstating the facts. If Wells Fargo can actually prove that the consumer ( me ) asked for the account to be closed I will retract. However, I can not, no person can, prove a negative ; I can't prove something I didn't do other than simply stating I did not request for the account to be closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
We ( XXXXXXXX XXXX XXXX XXXXXXXX ) opened a small business checking account with XXXX XXXX  in the year XXXX. Account Number XXXX and XXXX. 

We have held this account for almost 20 years including the transformation of XXXX XXXX to TD Bank. 

We have never had a problem with our account until XX/XX/XXXX. 

In XXXX of XXXX we experienced our monthly checks to our creditors for mortgage, utilities etc were not being paid even though we had deposited the funds into our account. 

After hearing from our mortgage holder and several utility companies that they had not received our monthly payments we contacted TD Bank. 

A representative from the bank informed us that a partial hold was placed our our account. Meaning that we were able to make deposits but not withdrawals and none of our checks would be able to clear. 

After repeated calls ( over 20 ) to the risk management officer, who never returned our calls we spoke with another representative form TD Bank who informed us she had never seen anything like this before. 

She stated that a walk in hold was placed on our account. The bank never contacted us by phone, email or regular mail. 

This incident caused much harm to our payment history for our creditors and much anguish anguish for our financial team. 

Ultimately several people from the ministry went into a branch office and met with a representative who removed the hold from our account and instructed them to close out th account. We were offered the opportunity to open another account with TD Bank. 

We closed the account and decided to move to another bank. 

We believe that the conduct of TD Bank was a violation of our consumer rights, the right to due process and our civil rights as a XXXX organization. 

We received no notification concerning this hold and no documentation. To this day no one has taken responsibility for these events. 

We are asking for acknowledgment from the bank for their actions and that the bank be sanctioned and or penalized accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: IL

Complaint narrative:
XXXX XXXX made a big error there are 15 lates in a Mortage for XXXX XXXX,,,, I already made a disputed directly to XXXX XXXX they never fix the problem I also did a Direct dispute to TU also didnt fix the problem they made a big mistake I am having Big Financial difficulties getting a loan to buy a Truck I need to work in my Company job position I end up making a complaint to you since is my last resource for getting Good results in my favor ... .They did report 15 lates in 2020 under the CARES ACT protection no leders or SERVICERS have to reports any lates under this protection .see attached proof of 15 lates and disputes made

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 2021-09-05 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 obtained my Equifax Credit Report and there was a Bankruptcy reporting from U. S. Bankruptcy Court listed on my credit report. I never gave Equifax any written consent to report or furnish my Bankruptcy public records. Under the FCRA [ 15 U.S.C. 1681 ( B ) ] A Consumer has a right to privacy.

I wrote Equifax and notified them of the law they were breaking under the FCRA in addition asked them to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. They responded with a letter saying the public record item Equifax  obtained through the federal courts and third-party vendor XXXX and kept the Bankruptcy on my credit report. 

Attached is a letter from a letter from the bankrupt courts in which they mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor t

he U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. Also attached is section page 8 fr
om my XXXX  Consumer report in which under section 6 they have no Bankruptcy listed under my consumer file. Equifax is violating my rights Under the FCRA [ 15 U.S.C. 1681 ( B ) ] Also attached is Equifax response to there Reinvestigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Levy & Associates, LLC
State: VA

Complaint narrative:
1. A debt vaildation letter was sent out initially to verify the debt on XX/XX/XXXX to Levy Law Firm from XXXX XXXX the consumer to prove debt owed to this party. 

2. The final debt validation was sent out XXXX XXXX, XXXX to Levy Law Firm. No response to prove that XXXX XXXX is the owner of this debt. 

3. Judgement dismissed case without prejudice rewarded to defendant XXXX XXXX for XXXX in debt on XXXX, XXXX XXXX XXXX. Affidavit sent out to Levy Law Firm the owner and operator ( XXXX XXXX ) ( XX/XX/XXXX ) for violations and improper debt validations practices. XXXX Notice, Register mail number XXXX  XXXX XXXX XXXX XXXX XXXX. Contacted the " original creditor '' via phone XXXX XXXX Fraud Department and was told that this negative impact would be removed within 10 days. Spoken with XXXX ID # XXXX. Nothing was removed and outside the days of removal. 

6. Credit is still been damaged by " creditors '' Levy Law Firm on XX/XX/XXXX, affecting credit and FICO score reported by XXXX  , XXXX  and XXXX  . 

7. Letter sent out to the Secretary of State and Attorney General for violation of FDCPA 15 USC -1692. Waiting on a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: NJ

Complaint narrative:
Ive been a victim identity theft

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