vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: AL

Complaint narrative:
Please see attached letter of complaint that was sent to both Loan Depot as well as XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The loan officer involved, XXXX XXXX XXXX, AL LIC # XXXX, was the loan officer involved. She was the loan officer for the buyer of my home. The letter will explain in detail the delays for two months in closing the house, her incompetence and negligence, as well as unethical and possible illegal behavior. Not only did I incur thousands of dollars of unnecessary expenses, but her client ( my buyer ) also incurred expenses, as well as the seller of the house I was to purchase. Because of XXXX XXXX negligence it was a domino effect that resulted in 10 's of thousands of dollars being spent by families unnecessarily, not including the stress and strain it put on families. 

At the bottom of the letter you will also see the others to whom the complaint was submitted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Contacted Bank of America on XX/XX/XXXX and XX/XX/XXXX regarding accrued interest on the account. I have several balance transfers on this card which is the primary use of it. I have no interest accruing charges on it. BOA has been allocating all the payments made to the " first balance transfer date '' and not to the expiring transfer dates. This has caused those zero percent balance transfers that are expiring to now become interest accruing transactions. I have other balance transfer cards with multiple transfer timeframes on them, yet those seem to apply the payments to the ones expiring first, not when the transfer was first taken out. Not only did this occur, but they also didn't even attempt, based on the law, to apply the last two months to the one expiring the soonest, I check the XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX statements to verify payment application. The customer service agents and the floor manager on just kept repeating that the " law '' states they have to apply the payments to the one first taken out. This to me is bait and switch technique where they can then cause the customer undue burden. Granted I should have monitored the online statement but I will opt to change this to a paper statement in the future at their expense of mailing so I can monitor these transactions closely.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Recovery Solutions, LLC
State: CA

Complaint narrative:
Asset Recovery Solutions , LLC is trying to collect a credit card debt that is not mine. Someone stole my information and opened a XXXX XXXX XXXX card with my information. 
They called my wife 's cell # and demanded she verified all my information thereafter demanding she paid my debt. The phone # they called my wife from is XXXX. 
XXXX XXXX has been trying to take money out of my XXXXXXXX XXXX account to pay the credit card. I called XXXX and put a stop to the payments. I haven't been able to resolve the issue with XXXX XXXX and now Asset Recovery Solutions , LLC is calling my wife for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 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: CA

Complaint narrative:
Despite my repeated dispute submissions to the credit bureaus, the agencies continue to report damaging fraudulent activity. A police report was filed, and details were forwarded to bureaus and collectors, but I continued to be harassed. Equifax responded to my last consumer finance report by stating that the account was verified with collection agency. The verifying information was that the person who committed the crime used my correct Tax ID #. Well isn't this what we call fraud? This battle has continued for years, and last week, I was able to endure another interrogation from the fraud department from the collector, and they finally agreed that the account was definitely fraudulent. All 3 bureaus have continued to report false information despite a police report, and clearly they did not take the time to investigate with the collectors. Instead, they simply reported that it was my debt. One of the accounts is tied to an address, and person who committed the crime. The agencies refuse to remove me permanently from marketing. I am uploading a copy of the information received from the collector for a specific debt in question. A cellphone bill in the excess of 1000. 
I am also a victim of the EQUIFAX BREACH.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
Why is the CFPB inept at handling complaints against OCWEN? I am being forced to sign a modification in which I lose over $ 50k in equity - despite taking OCWEN to US District Court, our family does not have the resources to continue the effort so we have to settle! Where is CFPB in all of this?!? I have filed several complaints and have heard NOTHING.

OCWEN has violated our rights under nearly every piece of legislation out there including my protections while XXXX as a XXXX XXXX in a XXXX XXXX and their agreement with the 50 states. 

We can show that we made every payment early or on time, many times in excess of the amount owed. Despite this OCWEN has reported us late many times, including times that XXXX serviced the loan! 

OCWEN foreclosed on us TWICE concurrent with their own proffered modification process- in one case congratulating us for earning a modification and foreclosing on us ON THE SAME DAY!

After taking them to US District Court in Colorado they offered us another modification as a settlement. This modification seeks more money than we owed IN 2005. 

So- the wrecked our credit, cost us thousands in fees and damages credit, ruined our lives and our health, and CFPB does nothing. We really need your help NOW. We have ALL the proof, we can show their illegal and unethical practices using their own paperwork ... and weve done everything we can to bring these scoundrels to your attention and that of the State District Attorney.

But it doesnt matter if yall sit on your backsides and watch my family lose everything. Shame on you and XXXX your ineffective methods. I hope they erect a statue on the site of your building so I can at least have something tangible to look at and give me hope.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is trying to collect a credit card debt that is not mine. Someone stole my information and opened a Capital One Union card with my information. 
They called my wife 's cell # and demanded she verified all my information thereafter demanding she paid my debt. The phone # they called my wife from is XXXX. 
Capital One has been trying to take money out of my XXXX bank account to pay the credit card. I called XXXX and put a stop to the payments. I haven't been able to resolve the issue with Capital One and now XXXX XXXX XXXX XXXX XXXX is calling my wife for payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One sent me a letter today by mail. The letter stated that my credit card account had been closed for inactivity one month prior XX/XX/2018. Letter was recieved XX/XX/2018. I called and spoke to the manager [ id # : XXXX ] who told me it was in my terms when the account had been opened. I explained it was not in my agreement when the account was open fifteen years ago. There was nothing he could do. I advised I did not recieve a card to be used I had no active cards in my possession. XXXX had no option for reaolution that my fifteen year old account would remain closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery has been contacting my XXXX year old daughter on her cell phone. I have sent letters to them numerous times and I have also sent them a cease and desist letters in XX/XX/XXXX and also again in XXXX of XXXX. They have turned to contacting my young daughter. They have called her phone on XX/XX/XXXX the number they called from was XXXX. Upon that time I called back the number and advised them not to call my daughter cell phone. They back again XX/XX/XXXX using the number XXXX. The called again XX/XX/XXXX using the number XXXX. And yet they have called back on XX/XX/XXXX using the number XXXX. The constant harrassment has been affecting my daughter to the point I may have to change her number. I know this is illegal for them to contact a third party and I have sent letters to them making mention of this. Porfolio Recovery collection  practices are illegal and unethical. I have also made written them stating that I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Linebarger Goggan Blair & Sampson LLP
State: TX

Complaint narrative:
I am writing regarding this fraudulent company threatening and harassing me regarding an amount owed for the XXXX XXXX XXXX XXXX XXXX XXXX   for a property I have never owned and do not reside in. I have no ownership or responsibility to this property and I am demanding this business cease and desist further communication, delete my information from their database and correct all erroneous reporting with any credit bureau or agency that your business have provided FALSE information regarding me immediately. 

This is not my debt and I am very frustrated with your shady business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I have received notices from XXXXXXXX XXXX  in regards to my XXXX and XXXX XXXX XXXX XXXX ... my limit on both of these accounts by XXXX ... 

These accounts I have paid on time ... and paid off once ... I have complied with them, while tolerating customer service reps being hateful at times ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I filed a complaint with my credit card company XX/XX/2017 regarding a vacation to XXXX we didn't receive what was described the company acknowledge that there were several complaints made and agreed to refund {$1500.00} from a letter sent from my credit card company. I have followed up with my credit card company regarding the credit back on my card they continue to tell me I have to complete another dispute indicating the company has not credit my card back. My credit card company indicated I should follow up with the resort so that they can put the credit back on my card. I have made many attempts with the resort to process the refund with no success.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have disputed this account 3 times, and it keeps coming back as verified. This account was deleted by XXXX as unverifued as I stated previously. 


NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED item listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following account be verified or deleted immediately.

ACC # 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 2018-03-20 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: FL

Complaint narrative:
My Experian credit report was wrongfully added a false late payment by XXXX XXXX XXXX on XX/XX/XXXX and by its collection agent XXXX XXXX on XX/XX/XXXX. Apparently, someone fraudulently opened an account in XXXX XXXXXXXX XXXX  by using my social and name and walked away with {$920.00}. I have NEVER opened this account at XXXX XXXXXXXX XXXX. I contacted Experian and disputed this wrongful posting for three times and they asked me to contact XXXX XXXX XXXX directly. I called the XXXX XXXX XXXX and they asked me to contact XXXX XXXX which it took over the account of XXXX XXXX XXXX according to the Bank. XXXX then ask me to file a complaint.

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 2018-03-20 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
My XXXX credit report was wrongfully added a false late payment by XXXX XXXXXXXX XXXX  on XX/XX/XXXX and by its collection agent XXXX XXXX on XX/XX/XXXX. Apparently, someone fraudulently opened an account in XXXX XXXXXXXX XXXX by using my social and name and walked away with {$920.00}. I have NEVER opened this account at XXXX XXXXXXXX XXXX. I contacted XXXX and disputed this wrongful posting for three times and they asked me to contact XXXX XXXXXXXX XXXX  directly. I called the XXXX XXXX XXXX and they asked me to contact XXXX XXXX which it took over the account of XXXX XXXX XXXX according to the Bank. XXXX then ask me to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
XX/XX/XXXX Dear Sir/Madam, This complaint is against my mortgage number # XXXX with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, Arkansas XXXX After several attempts to get an explanation from my Mortgage Co. why is my mortgage going up? every 3 to 6 months ' it has gone up over {$300.00} dollars every 3 to 6 months with No  avail. I have no choice but to file this complaint, to get to the bottle of it. Every 3 to 6 months my fixed mortgage account is increasing with No explanation. I feel like I am being exploited by Arvest Mortgage. In XXXX ' I was paying {$3000.00}, okay, currently my monthly mortgage payment for XX/XX/XXXX is {$3300.00} over XXXXdollars more. 
I have talked with customer service XXXX, Manager XXXX, an supervisor XXXX got No help, was offered-no explanations given, basically I'm under the bus ' pretty obvious my account is not fixed I'm paying more then an adjustable mortgage account seriously I need some HELP ... 

Please audit my mortgage account ... 
Please follow my money .... 
Please audit my property taxes .... 
Please correctly asses my property value ... .. 

Regretfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Also they call day and night they have added way more then the original debt and continue to even after orig debt was paid they bought it for XXXX dollars and they have now charged me 325 % intreat on this debt which is illegal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: FL

Complaint narrative:
OnXX/XX/XXXX I paid a debt for a disputed XXXX cell phone bill despite the fact XXXX XXXX said it was part of my contract to pay this bill at the time I joined their services when stopping my contract with XXXX. XXXX billed me anyways. I continued to dispute to no avail. 

On XX/XX/XXXX, a check to pay this debt off was sent and remitted using Option 1- Pay off the settlement in one payment of {$260.00} per their letter. The remitted check for the payment is enclosed. Per their letter- in choosing option 1 - since they had the  authority to settle this account for less than the full balance- I paid the said option of@XXXX in full and per the letter and expected this debt to be settled and collection activity to stop. 

Today- XX/XX/XXXX I received another collection noticed ( enclosed ) for the same debt in the amount of $ XXXX despite the fact they said would it be settled when I paid option 1 in XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: MO

Complaint narrative:
ON XX/XX/XXXX EOS CCA collection is trying to collect a debt that I don't owe for {$420.00} They have placed this debt on my credit report that is affecting my credit rating as I am trying to get things that I need. I have sent a validation letter disputing this account on XX/XX/XXXX. They could not validate my account, instead they sent a letter stating that this is verification of an outstanding debt. On the letter they sent it only has the acct Number, the orig creditor acct, and the balance they are claiming I owe. This is not Validation of Debt. I am requesting they remove this debt immediately and report correcting to all three credit bureas asap. On my XXXX   Credit report it says under remarks that acct was disputed by consumer, meets FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 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: CA

Complaint narrative:
Despite my repeated dispute submissions to the credit bureaus, the agencies continue to report damaging fraudulent activity. A police report was filed, and details were forwarded to bureaus and collectors, but I continued to be harassed. XXXX responded to my last consumer finance report by stating that the account was verified with collection agency. The verifying information was that the person who committed the crime used my correct Tax ID #. Well isn't this what we call fraud? This battle has continued for years, and last week, I was able to endure another interrogation from the fraud department from the collector, and they finally agreed that the account was definitely fraudulent. All 3 bureaus have continued to report false information despite a police report, and clearly they did not take the time to investigate with the collectors. Instead, they simply reported that it was my debt. One of the accounts is tied to an address, and person who committed the crime. The agencies refuse to remove me permanently from marketing. I am uploading a copy of the information received from the collector for a specific debt in question. A cellphone bill in the excess of XXXX. 
I am also a victim of the XXXX  BREACH.

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