vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
Please provide me with a copy of that certain SunTrust Mortgage , Inc . Note dated XX/XX/2008 relating to property commonly known as XXXX XXXX XXXX XXXX XXXX, NC XXXX. Please accept this Qualified Written Request under the Real Estate Settlement and Procedures Act ( section 2605 ( e ) ). Thank you, 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 2018-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I came across this hard inquiry when reviewing my credit report. 

The company is called Capital One Bank USA Date : XX/XX/2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I am trying to recover surplus, the overpaid escrow, {$3000.00} plus. 
Started in XXXX XXXX, after my taxes were paid.Regardless, Ocwen Loan servicing, LLC send more money than needed to state, state returned all, that they send. I asked in writing, to do partial modification, stop paying already paid taxes, keep calling, talking to ombudsman. I was told, that they will return my money, within 30 days of recalculation XXXX XXXX, XXXX. 
Now they are saying, that since I am late with XXXX payment, they will not refund overpaid amount. 
Under Federal law RESPA, that they are in violation, that the lowest monthly balance should not exceed/fall below {$870.00} and trying to collect more money. 

Please, help XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: NC

Complaint narrative:
I Want XXXX renders proof of my signature on a document, stating I gave them permission to sell my Bankruptcy information on to XXXX  Equifax and XXXX XXXX Credit Bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: NC

Complaint narrative:
I Want XXXX renders proof of my signature on a document, stating I gave them permission to sell my Bankruptcy information on to Experian XXXX and XXXX XXXX Credit Bureaus

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 2018-08-07 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: Ocwen Financial Corporation
State: OH

Complaint narrative:
Ocwen agreed to a modification in XX/XX/XXXX but with their agreement they promised to clean all lates as to provide us with a true fresh start. This was the third modification attempted and it finally worked out. We retained a lawyer to help. The initial modification was rejected by their error on XXXX, XXXX XXXX and that would have had us with a four year clean mortgage payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2018, I reopened a XXXX store card to purchase something at the store. I left the country to visit family and left my daughter in charge to pay for the purchase of {$130.00}. The store never sent paper mail statements and when my daughter and wife called And gave them my personal information, they refuse to talk about my account. At this point, unbeknownst me they had already started changing me late fees. My wife tried many times during all these months to get them to stop charging late fees and paid {$100.00} dollars online. She spoke to many reps explaining why we have not paid but they continue charging fees and refuse to allow my family to bring the account clean. Now that I am calling they charging {$190.00} More than his original purchase and it is not after all this time that they finally speak to us and have the audacity to tell us that they are only allowed to drop One late fee. My husband is poor and we are willing to pay the remaining XXXX dollars but its unfair that we have to pay twice what the original bill was because of their deplorable customer service. We tried many times to settle the account but they refuse to offer customer service.

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 2018-08-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
The property is located at XXXX XXXX XXXX. XXXX . XXXX XXXX, New York XXXX. The property went through mortgage foreclosure from XXXX to XXXX XXXX XXXX XXXX vs. XXXX XXXX . The property was also going through a foreclosure lien XXXX XXXX XXXX from XXXX to XXXX. The sworn affidavits presented to the court confirming that the tenant in occupancy had been served were false documents. XXXX XXXX XXXX Housing Authority allowed the Section 8 rental payments to be used to represent the tenants listed in the fake affidavit, and to hide my tenancy from the record to keep this apartment from being recorded as rent stabilized. I filed a XXXX  complaint against XXXX XXXX XXXX notifying them that the mortgage was in default upon XXXX XXXX death and they transferred the mortgage loan to Rushmore Loan Management, but with out a record of the rental income ; which should've been listed during the mortgage and the lien foreclosure. Now the mortgage loan is in XXXX XXXX XXXX and the account is delinquent since XX/XX/XXXX to the present. I've been 1 year and 6 months without a landlord, and the XXXX XXXX XXXX Board has refused to comply with XXXX Administrative Code 11-243 and to enforce NYPAL 2429- Rental on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
I HAVE BEEN RECEIVING SEVERAL COLLECTION AGENCY 'S ATTEMPTING TO COLLECT A DEBT FOR A COMPANY CALLED " XXXX XXXX XXXX, '' THESE DEBT COLLECTORS ARE HEREIN LISTED HAS THE FOLLOWING ; RESURGENT CAPITAL SERVICES AND XXXX XXXX XXXX XXXX. THIS CASE OF XXXX WAS FILED UNDER AN OLD U.S.BANKRUPTCY CASE FILE AND WAS LATER XXXX UNDER CHAPTER XXXX, HOWEVER OVER THESE PAST ( 5 ) FIVE YEARS, I HAVE BEEN RECEIVING SIMILAR ATTEMPTS TO COLLECT THIS SAID DEBT, CURRENTLY UNDER KENTUCKY REVISED STATUTES THIS DEBT IS NO LONGER A VALID CLAIM AND IS THEREFORE PAST THE STATUE OF LIMITATIONS. I HAVE ENCLOSED COPIES OF ALL LETTERS RECEIVED FROM THESE COLLECTION AGENCY 'S AND THIS ACTION TO COLLECT THIS DEBT NEEDS TO STOP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: ERC
State: CA

Complaint narrative:
I've contacted ENHANCED RECOVERY COMPANY multiple times and have sent them a certified letter to try to get information about an item for {$370.00} from XXXX XXXX XXXX   they are trying to collect from me which I have no idea what it is or whom it's about. They submitted information back to the credit reporting agency and said that the item was validated but doesn't explain how it was. I don't know what this account is for nor whom it belongs to as I've had another service for the entire time I've lived at my place and not XXXX 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 2018-08-07 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: MS

Complaint narrative:
I disputed a XXXX  XXXX XXXX  XXXX inquiry and they deleted my actual credit card account. I reached out to both parties about the issue on XX/XX/24. I have been paying on the card and it is not reporting and has not been for three months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC
State: AZ

Complaint narrative:
I received a letter in the mail from Phoenix Financial Services for a debt I have no record of. The date of service does not match anything on my records nor does the amount owed. I have been paying the hospital and the doctors in question and I have never seen a bill for the amount they are requesting. 

I called the company on XX/XX/18 to try and understand the discrepancy better and was met with a very angry man who informed me after a long communication regarding how this payment did not match anything on record, he would simply mark me down as refusal to pay and the company will continue to peruse payment for the debt owed by any means possible and hung up the phone. 

I never agreed to these terms and simply wanted to find out why there was such a large difference in the date of service and amount I am said to owe. I called the company back and after two tries I was hung up on each time immediately. On the fourth call I got a woman who then transferred me back to the same man. I asked him for his name to which he told me had already given me his name three times. Upon the beginning of this conversation he did not tell me the conversation was in an attempt to collect a debt but instead yelled at me that he did not need to tell me his name. I reminded him not providing his name is unlawful and I would like to speak to a supervisor to which he told me they were closed and to call back tomorrow. He then hung up on me. 

I never said I was refusing to pay I simply will not pay anything until I know the amount, date of service, and the company I am dealing with matches the records of the service provider and hospital. To me the practice of telling me they will use any means possible to collect the debt and they are marking me as refusal to pay, not providing me their name, and not telling me the call is in an attempt to collect a debt all violet the fair debt collection 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 2018-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
My Discover card is a card I seldom use, and as a result, I don't check the balances as often as other cards. This card was charged by a merchant incorrectly and as a result, the bill was not paid and resulted in negative reporting against my credit report for the months of XXXX, XXXX, XXXX, and XXXX of 2018. When I contacted the merchant they claimed responsibility and refunds were issued back to the original charged card, the Discover in question. I opened a case with the office of the president to get my credit profile updated with the proper information and they still have yet to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAVY FEDERAL CREDIT UNION
State: UT

Complaint narrative:
When my wife started XXXX treatment we had to file bankruptcy. We returned this vehicle and it was XXXX in bankruptcy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I disputed a capital one auto finance inquiry and they deleted my actual credit card account. I reached out to both parties about the issue on XX/XX/24. I have been paying on the card and it is not reporting and has not been for three months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). 

This debt is over the statute of limitations in the state of Texas, which is 4 years. This company is violating the laws in the state of Tecas by attempting to collect this debt. 

Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: GA

Complaint narrative:
1. XXXX failed to properly validate the alleged debt. 
2. The address on the itemized bill is incorrect. 
3. I never received written notice about this account it just appeared on my credit report. 
XXXX. After XXXX received the last letter on XX/XX/2018, they failed to respond with a response within the allowed 30 days.

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 2018-08-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I haven't received the last 2 statements from Home Depot credit services. Apparently my minimum payment changed for the first time in 15 months from $ XXXX/mo to $ XXXX/mo and I wasn't properly notified because I didn't receive my statements. When I contacted the bank and asked for copies of my statements and a refund they stated they were unable to refund the fee because it was my fault. Even though I told them I didn't receive my statements, which by law I'm allowed to have time to review prior to the payment due date.

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 2018-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
on XX/XX/2018 I sent a letter with the following verbiage to Portfolio recovery to VALIDATE THE DEBT : below is the exact letter verbiage sent to XXXX XXXX XXXX XXXX Dept XXXX XXXX XXXX XXXX  XXXX XXXX ca XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --. 


This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 

As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 

I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. 

Please attach copies of the following documents : 1 ) Agreement with your client that authorizes you to collect on this alleged debt.

2 ) Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 
3 ) Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 
-- -- -- -- -- -- -- -- -- -- -- - None of the above was provided the only thing that was sent a letter stating the debt was purchased by them from XXXX XXXX and several bills which is not validation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07 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: Pinnacle Credit Services, LLC
State: KY

Complaint narrative:
I HAVE BEEN RECEIVING SEVERAL COLLECTION AGENCY 'S ATTEMPTING TO COLLECT A DEBT FOR A COMPANY CALLED " PINNACLE CREDIT SERVICES, '' THESE DEBT COLLECTORS ARE HEREIN LISTED HAS THE FOLLOWING ; XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX. THIS CASE OF PINNACLE WAS FILED UNDER AN OLD U.S.BANKRUPTCY CASE FILE AND WAS LATER DISCHARGED UNDER CHAPTER XXXX, HOWEVER OVER THESE PAST ( 5 ) FIVE YEARS, I HAVE BEEN RECEIVING SIMILAR ATTEMPTS TO COLLECT THIS SAID DEBT, CURRENTLY UNDER KENTUCKY REVISED STATUTES THIS DEBT IS NO LONGER A VALID CLAIM AND IS THEREFORE PAST THE STATUE OF LIMITATIONS. I HAVE ENCLOSED COPIES OF ALL LETTERS RECEIVED FROM THESE COLLECTION AGENCY 'S AND THIS ACTION TO COLLECT THIS DEBT NEEDS TO STOP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: Bread Financial Holdings, Inc.
State: MT

Complaint narrative:
In XX/XX/2017 I received a statement saying that I owed over {$1800.00} and new that I didn't have anything charged on the account so I contacted XXXX XXXX. They said that they could tell it wasn't mine and that someone got my account number. They had me send in a statement of fraud. All was settled and nothing more came of it. They closed the account and asked if I wanted a new account and I said no.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Finance Company, LLC
State: OH

Complaint narrative:
They call me at least 5x a day from a number you can not call back. They do not leave a message then call my job. I tell them I will call them back and they call my cell at least 3 more times. 
I call them back and tell them I have do not have the money to pay the amount they are asking for and am offering them an amount that I can send them and they say it is not good enough. 
They begin again. They told me they will call my cell phone and job daily until I pay them. 
I told them I am trying to file bankruptcy and they said until I do they will continue to call my job and cell phone daily until my bankruptcy is in court. 
They are very RUDE when they call and say I need to pay it all or nothing at all.

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 explanation