vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
Santander is reporting inaccurate late payments on my credit which are severely damaging my credit scores.     The original creditor for this debt was actually  XXXX   XXXX . It was opened on  XXXX / XXXX / XXXX  with a loan amount of {$29000.00} this debt was then acquired by Santander who has been servicing the account since then.     After the acquisition, the  Affordable Care Act  was implemented causing our  XXXX    XXXX   XXXX    income to be decimated. This unfortunately led to the situation where our vehicle was repossessed by Santander on  XXXX / XXXX / XXXX .     After the repo, we wrote the attached   Repo Letter at which point Santander disappeared and continued to report my loan account under Paid as agreed on my credit. We noticed that they were reporting an incorrect car payment of {$460.00} and an account number on my report that did not match my records so I also disputed this with the credit bureaus during that time.
This is when Santander   suddenly changed their status from paid as agreed to severely delinquent with no explanation as to why. When that reporting change occurred, my credit scores dropped over  XXXX  points which completely devastated my credit.     I called  Santander many times to dispute how they were reporting ( based on the fact they received {$10000.00} at auction ( + ) charged off {$12000.00} ( + ) pre-repo car payments we made of {$17000.00}, all totaling {$40000.00} ) however, despite already writing off and collecting this {$40000.00}, Santander claimed we owed another {$16000.00} which if that was accurate, they would be saying we contractually owed them {$57000.00} ( and as you can see by the attached doc labeled Original Sales Receipt, the total contract, with interest, was for {$44000.00} ) and interestingly if you were to add that {$40000.00} ( from what they wrote off and collected ), to the {$4000.00} weve paid them during our settlement agreement, that total equals {$44000.00} ( which exceeds the contract amount of {$44000.00} ).      Despite all this, in  XXXX , I decided to contact  Santander to settle the unresolved debt. After contacting Santanders Collections department and speaking with a Manager  named  XXXX  at ext.  XXXX , he agreed to settle the supposed {$16000.00} balance owed for {$6000.00} - the payments are $  XXXX  which Ive paid every month since  XXXX / XXXX / XXXX .     Their records will show that I have paid the agreed upon payments of {$150.00} every month since then without ever missing a payment. As a matter of fact, I have taken it upon myself to make payments before the scheduled due dates to show my resolve in getting this cleared off from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
A few years ago during divor ce, Ocwen o btained our mortgage and immediate took our payments from  XXXX  to  1300+. Since divorci ng I tried to modify b ut Ocwen declined. I then refinanced and rolled missed payments into loan. Ocwen raised payments again and I missed a couple mortgage payments due to loss of job. I then tried to semd the missed in and Again asked for a modification since they had raised the payment three times. I was again denied. We are s truggling but filed bankruptcy and are making their payments.  XXXX   2017  I received a letter from  Ocwen stat ing they were raising the escrow to  XXXX  starting  XXXX   XXXX   2017 . That will raise my payment  XXXX  more dollars. Yesterday I received another letter from Ocwen saying that as of  XXXX   XXXX  the escrow would now be going up to {$1000.00} raising the payment {$500.00}. THIS HAS GOT TO STOP. I know what my taxes are they are  XXXX  year the insurance on my house I have several quotes for none of them exceed {$1200.00}. So  Ocwen 's deman for a  XXXX  + escr ow a month is ridiculous!!! They are Crooks trying to take the property we work hard for. Only gone up  XXXX  in the past but my house payment has gone that  XXXX  in the pa st six y ears and now they 're trying to raise it another  XXXX  by next  XXXX   2017 . PLEASE HELP!!!   Please make them modify balance on home, repay some funds, go back down on payment . Seven  years ago my payment was  XXXX  by  XXXX   Ocwen w ant it now to be  XXXX . As you will see the principal and interest is  XXXX   XXXX  the escro w ( {$1000.00} ) is exceeding th e monthly payment and interest. Please stop them!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
TOD AYS DATE: XX/XX/XXXX    XXXX   XXXX   XXXX   SOC SEC #  XXXX  DOB  XX/XX/XXXX  ADDRESS   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX  I.C. SYSTEM INC.    Your company have violated FCR  A 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.     The reference items are listed below please take this matter very serious I.C. SYSTEM INC.   I have report your company to  consumerfinance.gov  As a form of record and I am prepare to sue your company  Example In re   XXXX   XXXX   XXXX   XXXX   Telephone Consumer Protection Act Litigation, Case No.   XXXX  , in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report TODAYS DATE:  XXXX       XXXX   XXXX   XXXX    SOC SEC #  XXXX  DOB  XX/XX/XXXX  ADDRESS   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , FL  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 2017-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ORG GC GP BUYER, LLC
State: LA

Complaint narrative:
On or about  XXXX   XXXX ,  2017 , the consumer, pursuant t o 15 USC 1692 a 3, did re ceive a communication without the prior consent from GC Services Limited Partnership,  XXXX   XXXX , debt collector pursuant  to 15 USC 1692 a 6. There wa s no express written permission from a court of competent jurisdiction attached.     On  XXXX   XXXX ,  2017 , the consumer mailed the debt collector a notice of the violation of the Fair Debt Collection Practices Act subsecti on 1692 c, to one of two locations provided on the letter from GC Services Limited Partnership. Due to the violation, the consumer issued an invoice for damages in the amount of {$2000.00} pursuant to 15 USC 1692 k a 1. The debt collector was given 10 days to respond.      A final communication, dated  XXXX   XXXX ,  2017 , was mailed with an invoice for damages in the amount of {$2500.00}.     The consumer communicated with GC Services thru  debt collectors   XXXX   XXXX  and  XXXX   XXXX  by telephone on  XXXX   XXXX ,  2017 , at  XXXX   XXXX  central standard time. The consumer inquired and attempted to communicate with  XXXX   XXXX , debt c  ollector, whose name is on the original communication.
Compliance with federal law pursuant to 15 USC 1692 by the debtor w  as not achieved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I am writing to your agency in hopes you can help me with some charges on my Bank of america card previously disputed with you guys. I would like to know the status of the disputes. I am   XXXX   and I do not owe a computer, no electricity or internet and I am not com puter literate. Communication is kind of difficult sometimes. So I asked my friend to help me with this. I did a complaint with CFPB previously but I lost track on what happened with my disputes. I was naive and let some companies take advantage of me and charged me for online services, meanwhile I told them I didnt own a computer, they said it wouldnt be a problem they would do all the work for me, and they did disappeared after, I tried to contact them many times to see what was going on, and they were not capable of fulfill with their end of the deal. I would like to know if the charges that I disputed with  Bank of America were ever investigated and if they did what were the results. If they were disputed as claim and defenses. I would really appreciate if you help me with this so I can get some closure please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
Ocwen fraudulently foreclosed on my home in 2015 after refusing to provide documentation that they held the mortgage to my home. Despite numerous requests no documentation was forthcoming and they eventually fraudulently created paperwork with fraudulent signatures to foreclose my home. I previously filed a complaint on them. I have everything documented and I am willing to provide these documents in support of my allegations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A Geo rgia State Tax Lien  (  XXXX   XXXX   Superior Court ) is showing  on my credit rep ort. Tax Lien is   showing as filed  XXXX / XXXX / 2013 . I do not a delinquent tax/tax lien with the state of Georgia. I am requesting this tax lien be removed from my credit report as soon as 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 non-monetary relief
Consumer complaint received 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A  Georgia State Tax Lien  (  XXXX   XXXX   Superior Court ) is  showing on my credit repo rt. Tax Lien i s showing as filed  XXXX / XXXX / 2013 . I do not a delinquent tax/tax lien with the state of Georgia. I am requesting this tax lien be removed from my credit report as soon as 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 non-monetary relief
Consumer complaint received 2017-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Repeated " UNAUTHORIZED '' opening of credit card w ith Amazon through Chase Manhattan bank and " unnecessary '' credit inquiries that affected our credit scores. The first document is a chronological order of my several attempts to get the issue reso lved. The second document is confirmation of a credit card account that also showed I responded to that email ( shaded area ) on  XXXX   XXXX ,    2016  with the same email I sent to  XXXX   ( Amazon exec ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have several credit inquires on my credit report that were not requested by myself and were given without my authorization  1.  XXXX   XXXX   XXXX   Date Filed   XXXX  2017   Type Credit Unions 2.   XXXX   Date Filed   XXXX /2017  Type Mortgage Reporters 3.   XXXX   XXXX   XXXX   Date Filed   XXXX /2017  Type Mortgage Reporters

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 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have  XXXX  entries on my credit report for the same student loan with the  U.S. DEPT OF ED - DIRECT. These loans were transferred to :   XXXX   several years ago . As of today   XXXX   XXXX   XXXX  , my students loan accounts are in a satisfactory status. It lists this on my credit report under the new student loan creditor info :  XXXX . all of my loans were transferre d to one comp any  XXXX . and they are now current but even though I have entries that show that they are now current under  XXXX  I still have those  XXXX  entries that are dated as far back as far as   XXXX   XXXX   XXXX   on my report.       old company  Creditor Contact Details U.S. DEPT OF ED - DIRECT    XXXX   XXXX   XXXX   XXXX  , TX  XXXX  (  XXXX  )  XXXX  transferred to : Creditor Contact Details  US DEPT OF EDUCATION/  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , WI   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 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have  9 entries on my credit report for the same student loan with the U.S. DEPT OF ED - DI RECT. These loans were transferred to :  XXXX  several years ago. As of today  XXXX   XXXX   XXXX , my students loan accounts are in a satisfactory status. It lists this on my credit report under the new student loan creditor info :  XXXX . all of my loans were transferred t o one company  XXXX . and they are now current but even though I have entries that show that they are now current under  XXXX  I still have those 9 entries that are da ted as far back as far as  XXXX   XXXX   XXXX  on my report.       old compan y Creditor Contact Details U.S. DEPT OF ED  - DIRECT   XXXX   XXXX    XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX  transferred to : Creditor Contact Detail s US DEPT OF EDUCATION/GLE   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , WI  XXXX  (  XXXX  )  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have  XXXX  entries on my credit report for the same student loan with th e U.S. DEPT OF ED - DIRECT. These loans were transferred to :  XXXX  several years a go. As of today   XXXX   XXXX   XXXX  , my students loan accounts are in a satisfactory status. It lists this on my credit report under the new student loan creditor info :  XXXX . all of my loans were transferr ed to one co mpany  XXXX . and they are now current but even though I have entries that show that they are now current under  XXXX  I still have those  XXXX  entries that are dated as far back as far as   XXXX   XXXX   XXXX   on my report.       old company  Creditor Contact Details U.S. DEPT OF ED - DIRECT   XXXX   XXXX   XXXX   XXXX  , TX  XXXX  (   XXXX   )  XXXX  transferred to : Creditor Contact Details US DEPT OF EDUCATION/  XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  , WI  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 2017-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: LJ Ross Associates
State: MD

Complaint narrative:
Case #   XXXX  The following is a rebuttal to  LJ Ross & assoc l etter. Pardon me for starting a new complaint as you had closed the old : CPFB   XXXX   XXXX   XXXX    Case  #  XXXX  Dea r Manager, Thank you for your prompt response. Unfortunately,   XXXX   XXXX   and LJ Ross asso ciates ( LJRA ) half-baked research and lackadaisical reporting lacks relevant points of facts :  1. That ou r property at   XXXX   XXXX   XXXX  ,  XXXX , MD   XXXX   was a rental property. The renter had a separate  XXXX  account. However, when the renter moved out and much later the bank foreclosed on the property  XXXX  decided to purge that account and outstanding balance was merged into our current account on  XXXX   XXXX   XXXX ,  XXXX  MD  XXXX   ( p resent home ). {$910.00} was merged with latter account exactly on  XX/XX/XXXX  ( account history enclosed ).    2.  So when  XXXX  makes a claim that the utility bill is for present home she is condescending. Either she lives in a cave or below some rock to not realize how can some live on a property (  XXXX   XXXX   XXXX   ), n ot pay utility bills and yet the utility company does NOT turn off the power. And why does the company not turn off power? Because bills are have been paid on time and the account is current.    3.  That  XXXX  fails to ask requisite questions on  XXXX  and blindly ascertains that  XXXX  bill is not included in the bankruptcy. She is again found stating falsely that utility bills are not for  XXXX  when the account history referred in para  XXXX  above highlights the falsehood.    4.   XXXX  without first getting hold of itemized statement from  XXXX  unabashedly goes on a charact er assassination c ampaign making false assumptions. While she is able to find out when bankruptcy was filed and  discharged but made no efforts to ascertain for what property? After all certain debts are discharged as result of bankruptcy, right! Had she done her job she would been pleasantly surprised? Easy  to destroy a poor consumer 's credit but tough to get relevant facts and details! Lo Behold! High handedness.   From the preceding it can safely be concluded that over-reaching and tone-deaf characteristics of collection agencies who are most concerned about their bottom-line and consider good-credit of customers as trivial hence expendable and  LJRA is no exception.    Regrettably, CPFB lacks the teeth to take such self-aggrandizing and disreputable collections agencies to task. Or is it? Thanks again for all the great service you extend. Best regards.     Most respectfully,   XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions.
State: IL

Complaint narrative:
Received a l etter from FBCS Services s tating that I owed {$290.00} from   XXXX   XXXX   XXXX  . The letter states that my last payment was  XXXX / XXXX / 2013 . The information they gave me states that it was coming from  XXXX   XXXX . I contacted  XXXX  and they have no record no past due collections from me which I already suspected since, I do not go to  XXXX  for my  XXXX  providers. The collector could not give me any other information. There is no record of this bill even being on my credit report. I asked them to send me documentation but they said originally all they had was the hospital name. I believe 100 % is this a scam. This is the first letter I have ever received from them and I do not owe nothing.

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