vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Related Case Number : # XXXX & XXXX Ocwen alleged in their response ( XXXX ) that I claimed they " directed '' me to get a lawyer and discontinue scheduled mortgage payments. ( " We respectfully refute your allegations that we forced you into hiring an attorney and caused you to stop making monthly payments. '' ) I did nothing of the sort. What I indicated was that they declined my applications for assistance in XX/XX/XXXX. My financial situation was exactly the same in XX/XX/XXXX ( DECLINED ) as it was when my next application was begun again in XX/XX/XXXX ( LATER APPROVED ). The ONLY difference in my situation, between XX/XX/XXXX and my later attempt in XX/XX/XXXX XXXX, was that I HIRED AN ATTORNEY and to afford, said legal assistance, DISCONTINUED MAKING MONTHLY MORGAGE PAYMENTS. One unintended, though extremely valuable benefit, was that OCWEN/Lender now had to confront the very high costs of the foreclosure process, maintaining the property, and the significant losses, if & when, they were able to sell it. So while they never verbally, or in writing, " directed '' me to STOP making payments or HIRE an attorney, they behaviors with earlier attempts certainly did precisely that. AS A RESULT THEY CAUSED THE MISSED PAYMENTS & THAN PENALIZED ME FOR DOING SO. 
With regard to the appropriate and required revisions to my credit report they claimed : " We are obligated to report the account accurately to the credit bureaus.. ''. As a result I 'll require PROOF that was in fact a " legal obligation '' ; required by relevant LAWS in place at the time. Also, a complete list of said laws so that I may conduct a review. 
Finally, with regard to eliminating the balloon payment. As with all agreements everything is negotiable. When the market crashed in XX/XX/XXXX I continued to make monthly payments on the loan, ( fraudulently initiated & reported to the NY AG ) at an interest rate several time higher than the lender could have gotten anywhere. So, I personally kept their balance sheet in the BLACK for over half a decade. Their mortgage modification, while lowering on-going payments, adds a balloon payment after 30 years that effectively forces me to buy the home twice. Effectively making me a 30yr RENTER with XXXX Equity. So I 'm merely asking the lender to eliminate the balloon and help BAIL ME OUT in the same way I did them ; by virtue of my continued timely mortgage payments and tax dollars to bail out their mortgage industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have a credit card with XXXX which is financed by Comenity Bank. I purchased several items under an advertised promotion which was 0 % interest if promotional purchases are paid within 6 months. If not paid in full, by the due date then you have to pay all interest that you would have accrued. That is fine. Because I am a compliance professional in the banking industry and understand how these promotions work with payment allocation and the high risk for UDAAP these types of programs create, I checked the balance on the promotional amount after several payments and it was n't being applied to the promotional amount, my overpayments were being applied to the revolving balance. I was paying more than my minimum to pay off the promotional balance but it decreasing the promotional amount. I had to call in and request that my payments were allocated to the promotional amount. There are several consumers I 'm sure who are not aware of the CARD ACT and how these promotional offers work. XXXX and Comenity should do a better job of explaining this to customers because otherwise, most customers will end up paying on the revolving balance instead of the promotional balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
We suffered a XXXX at a rental property, unfortunately the mortgage holder is OCWEN. We had difficulties with this company for payments miss-applied before. This time, they are holding the funds that are needed to pay for the repairs and adding more requirements to release the funds. I am forced to borrow money to pay the contractor doing the work. One such requirement was an inspection at the end of the repairs, now they are changing that to an inspection at XXXX %. We already completed XXXX % and they are still requesting documents before they schedule an inspection that was not agreed on nor communicated clearly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Alisa Katz Campbell, P.C.
State: MA

Complaint narrative:
Pool service company " XXXX XXXX XXXX XXXX XXXX '' charged me XXXX - the XXXX time for a service that I agreed on. I paid in full for the XXXX service ( pool opening ). However I was not happy with the work that was done and I told " XXXX XXXX XXXX '' that I will not use their services any more. 

Immediately following the XXXX charge, after I told " XXXX XXXX XXXX '' that I will not use their services in the future, they charged me a XXXX charge without my permission. The XXXX charge was without providing any services without asking my permission to use my credit card info. They charged me Just because they had my credit card info and they realized that I will not use them again. 

I called my credit card company and the dispute was accepted the XXXX charge was returned to me. However the debt collector contact me to let me know that I owe the " service " ( that was never provided ) and lawyer fee.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a tax lien reporting on my Transunion credit file due to having unpaid taxes i had to pay to the state of Georgia. Around XX/XX/XXXX, I had received a letter from the state of Georgia saying that I owed at that time, {$810.00} to the state due to taxes that I filed back in XX/XX/XXXX. After receiving this notice, I immediately contacted Georgia Department of Revenue to get this taken care of which I did. I made payments over a period of about 10 months which totaled {$810.00}. I made these payments hoping nothing bad would come out of this and everything would be ok after its paid off. Well, I went to go try to finance a car and the dealer immediately turned me away due to having a tax lien on my credit report. At that time, I did not know what a tax lien was or how it even got on my credit file until I found out that it came from not paying my state taxes. As soon as I found out where it came from, I took aggressive action in trying to remove this from my credit file by disputing this with Transunion. Even with paperwork that i have showing that it was released in XX/XX/XXXX, they refuse to remove this and tell me that it is reporting accurately and will remain on my credit file. I just dont understand why after something I have paid in full, and something that does n't even pertain to them, why they just do n't remove it after years of it being on my credit file and being paid. Its not hurting Transunion! It 's hurting ME! Its literally keeping me from obtaining credit at many places. I am begging you, PLEASE ... PLEASE help me! I am trying to and wanting a better future for my family and I and this is really hurting it right now. Thank you so much for allowing me to write and submit this letter to you. I hope you will understand and see why I want this removed. Thank you 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 non-monetary relief
Consumer complaint received 2017-04-09 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC
State: OH

Complaint narrative:
I have an unverified account from ENHANCED RECOVERY. I had previously disputed this account. I have never done business with ENHANCED RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
Hello, my name is XXXX, I received a collection letter from Midland Funding. I sent them a certified letter asking requesting debt verification. I got the receipt back that is was indeed delivered. I never heard back from them. Upon checking Small Claims court cases I discovered they still went ahead and got a judgment out for me to start paying {$35.00} a week starting on XX/XX/2017. From what I understand it 's against the law for them to ignore my letter and continue with the case. Is there anyone that can help me with this as far as what steps I should take in order to protect myself? Any help would greatly be appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAB Receivables, Inc.
State: GA

Complaint narrative:
CAB Collections failed to investigate an alleged bill from XXXX and entered it on my credit report in XXXX as a new debt for collection. I contacted the collection agency to verify charges and the did not. Instead they sent it to the credit bureau two days after my call. I also contacted the medical center there were several charges that were entered not a part of my last visit to the doctor. There were unexplained charges with some charges that were duplicate on same day of visit. It appears I was being over charged by the medical billing dept and the collection agency never investigated my dispute. They demanded payment and listed it on the credit bureaus without due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: MI

Complaint narrative:
I have been on the income-based repayment plan for a few years. I called FedLoan Servicing at XX/XX/XXXX about re-applying to the plan and was informed that I did n't have to turn in the application until XX/XX/XXXX. I mailed my application on XX/XX/XXXX and received a letter on XX/XX/XXXX that I had been dropped from the plan, that my interest had capitalized ( over {$12000.00} ), and that my monthly payment had increased by over three times. I called to speak to someone and was told they were sorry but there was nothing they could do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
On XXXX/2017 I received a letter stating I owe {$110.00} for a medical debt. On XXXX/2017 I received another letter stating that my debt is delinquent and the amount is now {$110.00}. The original debt is {$59.00} that was cashed on XXXX/17 by the original company. Not only are they sending out letters but the amount of the debt continues to go up. I no longer owe on this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: P&B Capital Group, LLC
State: PA

Complaint narrative:
Called my father and asked for information on me. Would not say what they were calling about except to say that they were calling about a legal issue. They did not call me first instead they contacted my father. I have heard nothing from them even now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Other financial service — Debt settlement
Issue: Disclosures — 
Company: Riverwalk Financial CORPORATION
State: NY

Complaint narrative:
I find that this company, Riverwalk Debt Solution, has been fraudulently misrepresenting themselves. They are convincing people with significant loan debt that they can provide services that are not possible. They require the signing of a contract under the pretense of providing a service, and then you soon find out they are incapable or making good on their promises. They have lied to me and are now harassing me for payment for a service they have not and can not provide. I have refused to pay for a service that has not been rendered, and now they are threatening to report me to crediting agencies. They have also attempted to charge my credit card when they were not authorized to do so which I repeatedly stated to them over their official email addresses and ignored. I am filing this complaint because I believe they will try to fraudulently submit claims to crediting agencies. 

I have a formal letter providing the specific details of my interactions with them, however given the character count limit I can not include it in the description here. However, I am happy to provide this information upon further questioning to anyone interested or involved in the resolution process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: BYL Collection Services
State: AZ

Complaint narrative:
Debt collector placed account on my credit report due to same name. When I contacted the creditor, I was told application was filled out online and sent to another address which is not mine. Informed original creditor of an identity theft block on my credit report which requires that I be called before any service is issued. Creditor response was a credit check is n't ran upon opening an account so they 're not able to remove account because someone opened it in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Machol & Johannes, LLC
State: OR

Complaint narrative:
On XXXX XXXX, 2017 at around XXXX XXXX I was served with a lawsuit by a woman at my apartment, stating that I needed to appear in court. The document states, 'You must " appear '' in this case or the other side will win automatically. To " appear '' you must file with the court a legal document called a " motion '' or " answer ''. The " motion '' or " answer '' must be given to the court clerk or administrator within 30 days along with the required filing fee '. However, no court information was listed, in fact there was no contact information for the court at all and there is no official filing #. The only contact information was an attached form for an XXXX to pay by debit, check, XXXX XXXX or XXXX XXXX as well as a phone number to the offices of the company that was suing me. The company is Machol & Johannes , LLC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WAFD BANK
State: WA

Complaint narrative:
Washington Federal is continuously ignoring my request to remove lien for XXXX for a Deed of trust that violated RCW. 61.24.020 and many others. 
RCW 61.24.020 Deeds subject to all mortgage laws -- Foreclosure -- Recording and indexing -- Trustee and beneficiary, separate entities, exception.RCW 61.24.010Trustee, qualifications -- Successor trustee.You control the debt, you control everything. ( 3 ) The trustee or successor trustee shall have no fiduciary duty or fiduciary obligation to the grantor or other persons having an interest in the property subject to the deed of trust. Under RCW 61.24.020 and 010 The Deed of Trust between myself XXXX and Washington Federal for loan number # XXXX is void. Washington Services Inc Listed as the Trustee on the Deed of Trust signed for this loan has violated the RCWs. I have attempted to contact Washington Federal with repeated attempts to correct this issue and all others and no resolution has been made. Washington Federal CFO XXXX and other representative have maid no attempts to correct the issues. They are reporting my loan as late and and will not issue a deed of reconveyance to the XXXX County auditors office. The last I heard they put my loan in abeyance. They have not threatened foreclosure again but are constantly reporting my credit late. I asked for my original promissory note and it was not delivered. I have requested that the account be settled and no resolution has been attempted. It is not legal for this institution to be the beneficiary and the trustee of my deed. I would like for them to release the lien for the property and to close the account as it is void because it is illegal.

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 2017-04-06 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
Contract was cancelled due to the original creditor selling this debt to XXXX. I have no contract or no legally binding documents with my signature agreeing to this debt with 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 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Sent Experian a letter certified mail regarding several accounts. XXXX account in particular, which is XXXX XXXX. Per my credit report this account was opened back in XX/XX/XXXX. I had advised them to removed the account for several reasons. It 's past 7 yrs status of limitation for Arkansas, terms states 1 month, the amount is incorrect, the last update was XX/XX/XXXX, I was not at that resident and the credit bureau did not provide proof. Experian sent me a letter advising it will remain until XX/XX/XXXX of this year, which I disagree with and is hoping to get this account removed as soon as possible due too all of the inaccuracies.

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 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have made several attempts to have fraudulent inquiries removed from my credit report with no resolve. Some inquires have actually been duplicated.

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 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX is reporting an account on my credit report when I have never had any kind of contract or agreements with them for them to be reporting on my report. I have contacted them and they stated they can not discuss the account with me.

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 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted TransUnion about unauthorized credit inquiries form their own company at XXXX, CA XXXX, and asked them stop. Their response was that it might be a permissible purpose. From the list they provided, it was not permissible, and they no longer respond to any communications. It needs to stop, and they ( as a credit reporting company ) should not be allowed to make inquiries at random.

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 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion has been delaying disputes investigation. I initially have submitted a dispute to Transunion in XX/XX/XXXX. I have attempted to gather my score and report it is denying me. This is dealing with delay funding for my new business. Transunion is holding goals that can help myself and my family. I still have disputes on Transunion without proper notification or results of each investigation. The investigations started since XX/XX/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