vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
PHH Mortgage is a debt collector who must maintain reasonable procedures for determining the statute of limitations applicable to a debt it is collecting and whether such statute of limitations has expired. 

In the State of New York, the promissory note and mortgage are contracts, and there is a six-year statute of limitations law in effect. 

The last payment made on the subject account according to PHH Mortgage internal records was XX/XX/. The New York State Department of Financial Services states in debt collection rule 23 NYCRR 1, Section 1.3, PHH Mortgage is required to inform me that the statute of limitations has expired. 

The Fair Debt Collection Practices Act, 15 U.S.C. section 1692, et seq strictly prohibits debt collectors from seeking payment on legally time-barred debts. 

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of a time-barred debt. Nor may a debt collector use unfair or unconscionable means to collect or attempt to collect a time-barred debt. 

It is also a violation of the FDCPA for a debt collector to bring or threaten to bring legal actionwhether explicitly or implicitly against a consumer to collect a time-barred debt ( 12 CFR 1006.26 ; see generally 86 Fed Reg 5766, 578182 [ describing CFPB interpretation of this rule ] ). 

PHH Mortgage has deliberately refused for years to inform me of the disclosure or disclaimer about the statute of limitations being expired as required by the New York Department of Financial Services debt collection rule 23 NYCRR 1, Section 1.3., despite many written requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I was notified that my us bank account of 6 years is being closed with no explanation. I am a single mother that was involved a head on collision. My bank account is literally all I had to provide for also feed my child. I spoke to several bank managers also representatives. I was given a different answer by every staff. I Was hung up on several times by different representatives. I have been diagnosed with XXXX  because of this matter. I have several XXXX of dollars they are not releasing to me. Why have they not released my money with no explanation. Are they legally able to hold my balance with no explanation over 90days! As I type this I am receiving past bill notices for my current bills because of this! Please help! I feel robbed by my own bank. 

How is this possible?

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 2023-05-03 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: FL

Complaint narrative:
To whom it may concern, I recently just paid for a copy of my credit reports. upon looking at all of my reports. I noticed that all the three credit bureaus do not match. From the best of my knowledge, all the information reporting with these bureaus should match if they were properly verified as they have continued to state. Also, I'm aware that a collection/charge offs is by default a closed account. 
XXXX XXXX XXXX ACCOUNT XXXX IS REPORTING ON XXXX AS CLOSED YET ON XXXX AS OPEN. AND ANOTHER MAJOR DISCREPENCY IS THAT ON XXXX, THE DATE OF THE ACCOUNT BIENG OPENED VS THE DATE ON THE LAST ACTIVITY. THIS IS A HUGE INACCURACY. 
XXXX XXXX, ACCOUNT XXXX THIS PARTICURLAR ACCOUNT REPORTS INACCURACIES ON THE LAST DATE OF ACTIVITIES ON ALL 3 BUREAUS. AND ALSO, IT REPORTS DIFFERENT PAYMENT DATES ON THE CREDIT BUREAUS. I ALSO NOTICED THE HIGH BALANCE AMOUNT IS DIFFERENT IN ALL THREE CREDIT BUREAUS. I HAVE ATTACHECHED A COPY OF MY REPORT AS EVIDENCE. 
XXXX XXXX, ACCOUNT XXXX. 
THIS ACCOUNT REPORTS CLOSED ON XXXX REPORTS OPEN OF XXXX. THIS IS A HUGE DESCREPENCY. THE HIGH BALANCE REPORTS ON XXXX AS {$5600.00} WHILE IT REPORTS ON XXXX AS {$0.00}. THIS ACCOUNTS LAST DAY OF ACTIVITY DOES NOT MATCH BETWEEN XXXX AND 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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This creditor is reporting inaccurate information on my consumer report. Ive asked for verification, and they failed to verify the account. Furthermore, the account is inaccurate because it is listed as an inaccurate status that does not correspond with the status that the account is in. I requested the form 1099c as per the IRS when the account is in charged off status or a form 1099c has been filed and i have evidence that a form 1099c was not filed therefor the account was not charged off. So, its been reported inaccurately and pursuant 15 U.S. Code 1681s2 this account must be deleted pursuant those laws.

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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This creditor is reporting inaccurate information on my consumer report. Ive asked for verification, and they failed to verify the account. Furthermore, the account is inaccurate because it is listed as an inaccurate status that does not correspond with the status that the account is in. I requested the form 1099c as per the IRS when the account is in charged off status or a form 1099c has been filed and i have evidence that a form 1099c was not filed therefor the account was not charged off. So, its been reported inaccurately and pursuant 15 U.S. Code 1681s2 this account must be deleted pursuant those laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This creditor is reporting inaccurate information on my consumer report. Ive asked for verification, and they failed to verify the account. Furthermore, the account is inaccurate because it is listed as an inaccurate status that does not correspond with the status that the account is in. I requested the form 1099c as per the IRS when the account is in charged off status or a form 1099c has been filed and i have evidence that a form 1099c was not filed therefor the account was not charged off. So, its been reported inaccurately and pursuant 15 U.S. Code 1681s2 this account must be deleted pursuant those laws.

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 2023-05-04 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: WA

Complaint narrative:
There is XXXX collections in my credit report both from the same company XXXX XXXX XXXX I have no idea where this even came from I have already filed a identity theft report I want this off my credit report its preventing me from getting any findings needed to further build my business and my financial wellbeing please and thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SANTANDER HOLDINGS USA, INC.
State: VT

Complaint narrative:
Santander bank allowed someone to open online a checking accound around XX/XX/XXXX. I was in the process of moving around XX/XX/XXXX so they did not even have the accurate address but because my mail was forwarded I got the congratulations letter for a new account. I immediately called them and was assured the account was closed and I didnt need to do anything else. I then received a letter from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. The person who opened the account was allowed to overdraft {$460.00}. I immediately called the bank again. I filled and sent all the paperwork and have called over 10 times to be told that a back office handles it and they dont have updates and with 0 assistance. Have been told different stories each time - one time was told they did determine it was fraud but didnt know how to take it from the collection agency, another time that the file was closed I verified with the collection agency that they havent done anything to remove the charge.

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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I had to get a new XXXX XXXX XXXX account due to fraud last month. The account is not closed, I just got a new account number and card with the same available credit line. XXXX reported the account as closed which caused my credit score to drop several points and for my total available credit, average age, and total number of accounts to incorrectly be reduced as well. I notified the credit card company as well as XXXX. The issue seemingly was resolved when the card reported under the new account number with the updated balance and my average credit age, available credit, total number of accounts went back up and I gained back a few points on my score. However, i'm seeing again today that XXXX is incorrectly reporting the account as closed, and the score dropped XXXX points, and the total available credit, average age, and total number of accounts went down erroneously again. The account is not closed and I'm not going to be losing any points off my credit score because of some jerk trying to commit fraud and XXXX did the sme wrong thing again.

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 2023-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Requested validation of debt. I am requesting that a statement that the communication is from a debt collector, your name and mailing information, along with the name and mailing information of the debt collector, the name of the creditor whom states I owe the debt to the account number associated with the debt, an itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date, the current amount of the debt when the notice is provided, Information I can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong. Also I would like to see a contract between you and the creditor stating that you have a right to collect this reported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX repoted that I replied for credit in which I never heard of this company when I reached out to them they didnt have my SS # or my birth date the date they are reporting this on XX/XX/XXXXXXXX XXXX XXXX is reporting that I applied for credit I. Which I never finished the application they started reporting on XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX repoted that I replied for credit in which I never heard of this company when I reached out to them they didnt have my SS # or my birth date the date they are reporting this on XX/XX/XXXXXXXX XXXX XXXX XXXX is reporting that I applied for credit I. Which I never finished the application they started reporting on 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 2023-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
{$930.00} Open balance 08 CAPITAL ONE BANK USA N A Original creditor Portfolio Recovery has contnually reported a Captial one Bank Card on my credit file that I have not ever opened. I have been in college and this may be from when I was in high school. To this day I am still a student and my parents pay my phone bill so not sure how I have Any thing on my credit at all. I did not do this. I was a victim of multiple breeches and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
This creditor is reporting inaccurate information on my consumer report. Ive asked for verification, and they failed to verify the account. Furthermore, the account is inaccurate because it is listed as an inaccurate status that does not correspond with the status that the account is in. I requested the form 1099c as per the IRS when the account is in charged off status or a form 1099c has been filed and ignored that request and it seems that a form 1099c was not filed therefor the account was not charged off. So, its been reported inaccurately and pursuant 15 U.S. Code 1681s2 this account must be deleted pursuant those laws.

In addition, they are in violation of 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title -nonaffiliated third party The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

This means TD Bank a financial institution has disclosed nonpublic personal information to nonaffiliated third parties XXXX, XXXX and XXXX. 

nonpublic personal information ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: MN

Complaint narrative:
Remove 30 day late payment from my JPMCB credit file. 

My credit score has decreased from XXXX to XXXX as a result of JPMCB/Amazon 's unwillingness to contact me regarding a {$16.00} charge that put my account over 30 days past due without notifying me of an impending issue. 

Synopsis : My wife 's Amazon XXXX account used her XXXX XXXX card as the primary payment method for purchases and my Amazon Visa from JP Morgan Chase Bank, JPMCB, as a secondary payment method. 

In XX/XX/2023 my wife temporarily lost her XXXX XXXX card at an XXXX XXXX TX area XXXX. It was returned to the Customer Service desk, but we later discovered unauthorized charges. She reported this to XXXX and they canceled her card. XXXX reissued a new card with a new number. This new number was not immediately transferred over to Amazon. 

On XX/XX/2023, there was a {$16.00} charge to her Amazon account that was declined by XXXX XXXX. Amazon immediately charged the JPMCB card account We were away from home for a total of five months and did not receive USPS mail, only email, text messages, phone calls, and USPS images of mail going into our XXXX XXXX back home. 

I was not notified that {$16.00} had been charged to my JPMCB card account and there was no additional communication that the account was past due over 30 days. JPMCB and/or Amazon has my contact information and could have contacted me electronically. The written letters sent by JPMCB, and imaged by the USPS, which I received electronically via email, did not have any indications on the return address that they were from JPMCB. If I saw JPMCB on the image, I would have contacted JPMCB for clarification. 

My first indication that there was an issue with the JPMCB account was when I received an alert from XXXXXXXX XXXX credit monitoring service. I immediately contacted JPMCB and made a payment in full, including additional charges/fees. 

I asked JPMCB to consider the circumstances but they declined to offer relief with credit reporting resulting in the drastic credit score decline. In fact, JPMCB incorrectly entered the following in my credit file : **CONSUMER STATEMENT** DUE TO CHANGE OF ADDRESS I NEVER RECEIVED A BILL/STATEMENT. 

I have filed the following dispute with XXXX : VISA - Amazon primary payment method : card lost/canceled ; {$16.00} declined JPMCB - secondary ; {$16.00} charged Away from home 5 months ; no email/phone call from JPMCB/Amazon Notified delinquent by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: TX

Complaint narrative:
Please see complaint # CFPB Case XXXX and the XXXX 's response. They admit that the messed up but will not fix it correctly as it should be. 

I authorized 1 hard credit inquiry to obtain a credit card with XXXX. They pulled XXXX hard inquiries. I have been trying to work with them to get the additiional 2 that they admit were made in error off of my credit report but they just want to change them to soft inquiries. I did not authorize the additional 2 inquiries hard or soft and they admit that these were done in error so they should be removed completely from my credit report. 

I did not authorize 2 additional hard or soft inquiries from XXXX on XX/XX/XXXX, the document attached shows that this is an error but they refuse to remove these completely.

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 2023-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Snap Recovery, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no account with this company. They have violated my rights over and over again!!! 

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section 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 antedates the report more than seven years.

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
On the XXXX of XXXX I noticed a collections account on XXXX  XXXX for a XXXX account I never opened. I disputed it through XXXX XXXX and it said that the I formation obtained was correct which it is not. There is a debt of {$3200.00} something and I never opened that account. It went to collection through amsher collecton services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation