vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-28 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: OH

Complaint narrative:
XXXX XXXX XXXX  # XXXX Notice for Proof of Claim Account : XXXX XXXX XXXX  # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
I received a letter from Specialized Loan Servicing related to an order by Consumer Financial Protection Bureau requiring compensation for a delayed evaluation between the periods of XX/XX/XXXX and XX/XX/XXXX. They sent a check for {$70.00} as redress for the delay. I deposited the check in my account, and the check bounced. I was charged an additional {$12.00} for the check being returned unpaid. I am attaching all the documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: MD

Complaint narrative:
In XXXX, I sent a notification to the Credit Bureaus regarding accounts that I don't owe or recollection. I asked to verify. I also contacted the companies reporting. Since XXXX no information has been given from Experian or XXXX. 

This account was Verified as Accurate. My question is, how is this account verified as accurate when, it's not accurate and I do not owe nor has XXXX sent information regarding this account. 

Experian still lists this account AND they have the account listed twice as Duplicate, which is a blatant error and violates Federal Law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Loan was with PHH/XXXX  for servicing without a payment missed in 5 years. I was furloughed in XX/XX/XXXX due to COVID, submitted forbearance paperwork to PHH and was approved. started work again and needed more time to come back to full payment ability and was approved for temporary repayment on XXXX. I made the XXXX payment, was told PHH will contact me to manually make the payment for XXXX, no call came. Instead my loan was transferred to XXXX XXXX, another subsidiary collector of XXXX. My loan was reported delinquent which dropped my credit score over 100 points but was rectified by PHH. XXXX told me nothing would be available on new loan until appx. XX/XX/XXXX, when I called they had no idea about the payment plan, I emailed my letter from PHH that day. I followed up again the next week with the statement that they never received/not in file, and same until today. The document has been emailed to their servicing department with my loan # in subject line 2x at this point, faxed as well, and emailed to the 'designated rep '. I have yet to receive a confirmation of receipt, and an honoring of the approved repayment plan by PHH Mortgage. I am being prayed upon to make the full payment in all communications by the servicer, and this does not feel right. I am a borrower with a perfect payment history, placed on an approved payment plan due to being laid off during a global pandemic, and now I am being given the runaround by a subservicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: Nelnet, Inc.
State: NY

Complaint narrative:
My loans were put on forebearance WITHOUT my consent, approval nor knowledge on XX/XX/2020 due to the Covid crisis. Since I was in the Income Based Repayment plan and my payment was {$0.00}, this has negatively impacted me by pushing the overall ability for seek loan forgiveness in the future back by 6 months. I was enrolled in Auto Pay and made payment up to XX/XX/2020. Great Lakes should have NOT put my loan in forebearance since I neither request it nor approved of the change. 

After finding out that my account was in forebearance, I was able to lift my " forebearance '' status by calling the company on XX/XX/2020. I complaint of this issue, but they were unwilling to give me back 6 month time credit for the payments of {$0.00} due from XXXX. 

I've attached my last bill from Great Lakes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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:
THERE IS A LATE PAYMENT ON MY XXXX XXXX ACCOUNT-XXXX IN  XX/XX/2019 THAT WAS NOT LATE. XXXX  HAS IT CORRECT BUT XXXX  AND TRANSUNION SHOW THE LATE PAYMENT AND ITS HURTING MY CREDIT SCORES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
As attached document illustrates, I currently have an ARM mortgage with Chase Bank. My interest rate is currently based on the LIBOR, which I understand is being phased out in 2021. I have been in contact with Chase Mortgage Division, Escalation Dept, to find out what Index will be used to determine my mortgage interest rate in 2021, as my rate is determined by the Index value published on XX/XX/XXXX of each year. ( Given that date, XX/XX/2021 is coming up in 3.5 months, I want to know what my mortgage rate and payments will be ) I have repeatedly asked Chase to advise me of what Index they will be using to determine my rate, and they have advised that they " can not '' provide this information to me at this time ... My contractual mortgage agreements with Chase all reflect that the LIBOR is the Index that will be used for my ARM. As the borrower, I feel i have the right to know what is happening with my mortgage rate, if indeed Chase is dis-continuing use of the LIBOR index for adjustable rate mortgages. 
I AM REQUESTING A SOLID ANSWER TO THIS QUESTION FROM CHASE BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
3rd party collection agency called not only me but my wife, advised agency debt was from a car accident that wasn't caused by us and health insurance was still given just incase. advised as a dispute. still agency called after, when called all they asked was if they was speaking to first and last name I said yes, then they proceeded to state mini XXXX with out any further verification. I then advised after the 4th time they called including today XX/XX/20 and XX/XX/20 doing same thing that I already advised the account was not our responsibility I have the info to send in to dispute account and will send in police report attached. I then asked if this was a 1st party or 3rd party collection agency, employee advised 3rd I then stated aren't you supposed to do a second form of identification date of birth, S.S, something before going through any PPI do to FDCPA employee stated yes but that he can say certain things prior, I said yes but certain things aren't disclosing all the info of the call. he then stated he's aware of FDCPA and was following company policy I stated well if your aware of the FDCPA then you would know doing something incorrectly that violates that law not only your company can be sued but you can also. he then stated " if that's what you would like to do go ahead '' while trying to speak over me which is also a form of rude and intimidating procedures. I advised mark as dispute and mark in notes if your going to call make sure you correctly verify who you are speaking to before releasing any further info. I wasn't going to complaint but seeing how careless he was when advised I feel maybe someone in the company should advise them how to correctly collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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:
THERE IS A LATE PAYMENT ON MY XXXX XXXX ACCOUNT-XXXX IN XX/XX/2019 THAT WAS NOT LATE. XXXX  HAS IT CORRECT BUT EQUIFAX AND XXXX  SHOW THE LATE PAYMENT AND ITS HURTING MY CREDIT SCORES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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:
THIS ACCOUNT IS LISTED ON MY CREDIT REPORT AND I AM NOT THE PERSON WHO SIGN FOR IT AND NEEDS TO BE REMOVE ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: Trident Asset Management, L.L.C.
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2020 my card was charged {$25000.00} for products that were never received. I contacted Capital One to dispute the charge on XX/XX/2020. On XX/XX/2020 Capital One reversed the temporary credit and mailed a letter to me denying my claim due to the merchant submitting fabricated statement of facts and false invoices. After contacting Capital One and requesting to submit a rebuttal to the merchant 's claims I was able to prove that the merchant submitted fictitious invoices to substantiate his claim but Capital One refused to accept my rebuttal documents and stated that based on VISA guidelines for dispute Capital One was not required to challenge the merchant 's submitted documents for legitimacy but was obligated to challenge the documents received from me to prove that my claim was valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
Hello, My compliment is about unfair and invalid two fees were charged from my account. my bank account with Arvest is " Free Blue '' without overdraft service protection. 
The transactions are : XX/XX/2020 MEMO CREATED BY NSF SUPPORT : {$17.00} MEMO CREATED BY NSF SUPPORT : {$17.00} I don't know why I have been charged those fees, I tried my best to solve this problem with the bank, but the staff were very hard and not understandable, and very rude with me. Every one of the staff trying to told me this is our policy and we have to follow, and I'm not sure why they did not tell me that before when I opened my account. That's so unfair from a Bank company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was given a background check for a future employer, I passed, but looking at it, I have an address of which I've never applied to, lived at, or known was even knew were here in the area. It states that it's an apartment, but the address is in a housing development. This is incorrect information because it'll hurt my chances of employment. I also have a second living arrangement that needs to be changed. The address given for the first error is XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, TX ... I did have an address at XXXX XXXX XXXX, the same apartment number. 

The second wrong address is XXXX VA, part of the XXXX area VA medical. It's a medical facility, not a residence. I'm really kinda weirded out by this because no one lives here as it's a medical facility. The address to that one is XXXX XXXX XXXX  XXXX XXXX, XXXX, WA. I've never lived in any VA facility nor will I ever. Yes, I'm a veteran of the XXXX XXXX, XXXX, but no, never been lived in the address.

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 2020-09-28 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX is not taking investigation of false account on my credit report against me and XXXX  sent me letter as attached for they found the XXXX  XXXX XXXX  XXXX card is not mine and they removed it from credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: PA

Complaint narrative:
I have been trying to get a method of verification with PENN CREDIT Corp to the point I even went as far to connect CFPB last month to get it resolved, Penn Credit responded by stating that I agreed to pay the debt I owed during a phone call which this is absolutely not true, I never verified the debt was mine but at that point I was so frustrated I was almost willing to pay it, they sent out account statements which does not verify anything. They never stated how they verified the account or any documentation supporting this actually being my debt. I do not feel its appropriate to pay debts that are not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is not taking investigation of false account on my credit report against me and XXXX sent me letter as attached for they found the XXXX  XXXX XXXX  XXXX card is not mine and they removed it from credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: Collection Bureau of the Hudson Valley, Inc.
State: NJ

Complaint narrative:
On XX/XX/2015, COLLECTION BUREAU OF HUDSON VA added a derogatory mark on my credit report per XXXX XXXX and XXXX. Upon further research this account was transferred/sold and i am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused at any point in time from reporting date. A bill without a signature does not validate the debt and anyone can send a bill and make false claims. According to the FCRA COLLECTION BUREAU OF HUDSON VA has violated my rights as s consumer and i am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: TX

Complaint narrative:
I mail my police report and ftc report with the additional documents required to get the fraudulent account block from my credit. I submitted them to XXXX, experian, and XXXX  and it took 2 weeks for them to recieve the documents. this is what the credit bureaus said. XXXX said that they refused toblock my fraudulent items or dispute them. XXXX  wont even answer or respond. and XXXX  must respond within 4 business days after they recieve the documents. experian took some items off but wouldnt do two of them and experian deleted XXXX  XXXX  and then put it back on there 2 days later, which is a FCRA violation of reinsertion. they have to notifiy the consumer within 5 businesss days, it was deleted friday and inserted monday. for experian the two accounts, XXXX/XXXX  and XXXX XXXX is the two accounts they refused to deleted with my affidavits and police reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
RE : USAA Federal Savings Bank. On XX/XX/XXXXXXXX  I went to check my checking account online to see if a check had cleared. The account was missing. I called the bank and was told the account was closed and a check had been mailed. The only explanation they gave me was that I had left off my birthdate on a document they had requested. There were approximately 12 pages which I had uploaded per their instructions. My copy of the documents requested show the birthdate. My balance at the bank was approximately {$120000.00}. I have not received the check as of XX/XX/XXXX. I have been a member of USAA since XXXX and had insurance with them ever since. I opened a banking account when they started the bank. I don't remember the date. I was never contacted regarding the closing of my account. No phone call, no text message, no email. I have everything on auto-pay, auto deposits. I have already been charged {$15.00} when my auto-pay to XXXX XXXX credit card was returned. My auto-deposit of my Social Security has been returned and can't be changed to a new bank account until the XXXX payment.

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