vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC.
State: SD

Complaint narrative:
I would like to file a complaint against the XXXX XXXX XXXX, ( XXXX ) XXXX On or about the XXXX day of XXXX I called this 3rd party collection agency to attempt to set up a fair payment plan. They declined and said they wanted the amount of {$XXXX} paid in full. This is affecting me by a hold on my SD Driver 's License. I explained I did not have XXXX XXXX dollars, I 'm on government assistants presently because of absent father 's to my XXXX children. I was redirected to the original collection agency XXXX XXXX XXXX XXXX, ( XXXX ) XXXX. I called the XXXX and spoke to an agent but was again redirected to the 3rd party collection agency, XXXX XXXX XXXX. I 'm only trying to set up a monthly payment plan to start paying on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom it may concern : I am writing to dispute the following information in my file. I recently received a copy of my Transunion credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. I have made multiple attempts to resolve this issue with Transunion.
By Mail, And Phone..

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 2017-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
on XXXX2017, an inquiry from CBNA posted on my XXXX credit report. I am unaware of the company! Also on this same date six other inquiries were made, by other companies. I did not apply for any credit or loans from any of them. Someone has attempted to use my identity to open these accounts.

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 2017-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a Chase Visa Credit Card. I make payments on a regular basis, and have done so for many years. The problem I had recently involves a notification service which Chase provides. Specifically, they provide a user defined service to notify a customer ( or remind them ) by email that their payment is due within X number of days ( for me, X was 10 days ). I  came to rely on this service where when I would receive the notification, and then I would schedule the payment with my bank. The problem arose when I stopped receiving these notifications. As I relied on the notifications as a payment reminder, of course when I stopped receiving them my payment was late, and I received late fees. This happened to me two times before I looked into to why my notificationsstopped. What I found was interesting. My Chase online profile was set to correctly to notify me 10 days before my payment was due. So what happened to my notifications? Well, for some reason they were n't being sent. What 's even more interesting, is that Chase provides a Notification History Log. The History Log did not indicate them being sent to me. So I contacted Chase, and of course they were very quick to refund me my two months late fees ( {$37.00} for XXXX, and {$27.00} for XXXX XXXX. However, I began to wonder, if maybe others could be having this happen to them? It 's seems interesting too, that Chase raised their Late Fees during this time as well from {$27.00} to {$37.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
Im am a XXXX XXXX XXXX minor and am getting called everday by a company who claims to be a debt collector for a balance i do not owe

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 2017-08-18 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:
XXXX XXXX client XXXX XXXX is an identity theft victim ; his information was used without his consent to apply for several credit accounts. While the accounts were not established the fraudulent applications resulted in fraudulent inquiries on his credit reports. One of these was with XXXX XXXX ( XXXX ) while a dispute was sent and a clearance letter received of this inquiry however a credit report ordered XX/XX/XXXXshowed the fraudulent inquiry from XXXX reported to TransUnion credit bureau XX/XX/XXXX. This is a violation of the FCRA.

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 2017-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EQUITY LOANS LLC
State: CA

Complaint narrative:
In XXXX of this year we contacted equity prime mortgage About refinancing ourchome. I was advised ( and I have maybe 500 Emails ) to get appraisal and stop paying mortgage. On XX/XX/XXXXhe XXXX told me we had issues with appraisal and to pay mortgage for XXXX. Which I did and it was considered late as it was n't received until XX/XX/XXXX. So equity prime says after making me pay twice for appraisal, first to see and second to make sure it was fixed .... I 'm denied for late payments. Unprofessional and XXXX has been fired. Please help us. Sincerely XXXX and 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 2017-08-18 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:
4 years ago in XX/XX/XXXX i disputed bmw and the bankruptcy as fraud and i sent over a police report confirming the id theft, as of XX/XX/XXXXthey re included the bmw fraud account and the bankrpucty wasnt on there as proof i sent over the credit report they re added in XX/XX/XXXX they 're defrauding me and they re added bwm and there violating my rights under the fcra. they keep readding the accounts after they been confirmed as fraud and deleted which is a violation of the FCRA i spoke to XXXX he refused to give me his name and his id number said to go to hell and go back to where i came from hes also refusing to call XXXX  police to verify the the police report

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 2017-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pan Am Collections, Inc.
State: IN

Complaint narrative:
I was recently assigned a cell phone by my employer that had been used by a former employee, who is no longer with the company. I have received several calls from Pan Am Collections attempting to contact this previous employee. The most recent call was today XXXX/XXXX/XXXX. Unfortunately, I share the same first name as the previous employee, and answered the phone identifying myself by my full name. With the common first name, the caller was aggressive in insisting that I was the party of his interest. I called back and talked to a XXXX XXXX with Pan Am, and made clear that I am not the individual they are attempting to reach. He adamantly refuses to acknowledge this. I explicitly directed them to cease calling me, which was met with a clear indication that they will not comply. I have blocked the listed number for the company ( XXXX ) on my cell phone. However, they have also dialed in on an " Unknown Number '', so I anticipate that they will continue to attempt to harass me. I was informed that the phone call was recorded by XXXX XXXX. I informed XXXX XXXX that I would be submitting a complaint to the CFPB as they are clearly in violation of the FDCPA. Pan Am Collections XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX, XXXX XXXX

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
Consumer complaint received 2017-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Based on my research, My original Servicer was XXXX, which filed bankrupcty 2008, and later discover third party debt collector known as Ocwen loan servicing and XXXX shown as the lender/beneficiary. Based on my discovery I 've notice Respa violations, Truth n Lending, Preditory, Adjustable Rate Mortgage, the whole entire loan was in violated under the Underwriting Deceptive Practice Act. 
Third Party debt collector known as Ocwen Loan Servicing does not have a license/ or consent order in the state of Maryland with XXXX Commissioner Finance Office to as as a Servicer /Debt Collector/Lender based on updated research. Therefore they need to investigated. Also XXXX XXXX XXXX XXXX needs to  be investigated, never had a contract agreement or any fair dealings pertaining to the loan and the equity interest in the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: LA

Complaint narrative:
I received a Notice of Adjudicated Property Sale.  I have tried everyday multiple times daily to speak to someone regarding this at Ditech Mortgage. I receive their automated system and follow all the prompts, then once I finally get to speak to a person they all say this is the wrong area let me transfer you. I have been transferred repeatedly and always eventually get hung up on. I finally spoke to XXXX at extension XXXX and I asked to speak to a Supervisor and was told I had to submit my request in writing because they do not have supervisors in the office. This is a time sensitive matter dealing with my home and no one at the mortgage company can help. This is a major issue! The fax number I was given to fax my written request to was XXXX it is the same fax number that is listed at the website and prints on the Request to Establish an Escrow Account form and when you fax to it, the fax will not process due to the number being unresponsive. How are you supposed to get help on your mortgage if you can not reach a decision making person? This is unacceptable for a consumer to not be able to easily receive help for a mortgage issue that could cause them to lose their home!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
XXXX 2017. I applied for a Barclays American Airlines credit card and was declined due to having a previous closed account with Barclays. The previously closed account with Barclays was closed through a bankruptcy utilizing The Consumer Credit Protection Act. The Federal Equal Credit Opportunity Act states that Barclays ca n't discriminate based upon an any rights exercised in the Consumer Credit Protection Act. Barclays did n't even brother pulling a current credit report that shows no bankruptcies and a high credit score and taking into consideration my high annual income/ability to repay.

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 2017-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Hello, This complain is regarding Coinbase. I have over {$10000.00} cash that I have wired to my Coinbase account. They have indicated that they have accepted the wire and credited my USD wallet. I also have over {$8000.00} value of Litecoin and Bitcoin that I have purchased. Here 's the problem : I ca n't access any of it. They wo n't let me purchase more bitcoin. They wo n't let me take the money out. They wo n't let me do anything with it. They indicate ( via automatic notification ) they need to verify my identity. I have given them all the information they have asked for including a photo of my California Driver 's License. I requested help from support on XXXX XXXX, XXXX. No response from them other than an automated response that says " Due to increased volume it may take several days to receive a response. '' I have read  online on other forums that other people are having the same problem. They are n't getting a response after waiting weeks. I do n't have weeks to wait to use my own money. It 's not right that I ca n't access it as they claim I should be able to do. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 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: TX

Complaint narrative:
On XX/XX/XXXX two fraudulent charges were made on my account at XXXX XXXX totaling {$110.00}. Bank of America immediately credited my account on XX/XX/XXXXfor these charges, HOWEVER they have since rescinded these credits through multiple transactions.
When I initially contacted BofA on XX/XX/XXXX I was told their system automatically debited my account as I was refunded money from XXXX XXXX, but the refunds I have received from XXXX XXXX  are not related to the two fraudulent charges. I have made no effort to recoup the fraudulent charges from XXXX XXXX.
Additional detail provided in the attached excel file.
I have contacted BofA a minimum of 4 times to resolve this error and as of XX/XX/XXXX BofA has actually debited my account for MORE than the initial fraud claim totaling {$140.00}.
The final transactions that are posted incorrectly to my account are : XX/XX/XXXX : Fraud Dispute {$38.00} XX/XX/XXXX : Accounting Error {$64.00}XX/XX/XXXX : Systom Error {$38.00}

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 2017-08-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: BTH Management
State: MO

Complaint narrative:
Unknown pay day loan from XXXX XXXX XXXX. Calls multiple times a day and phishes number to show up as local callers.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Transunion which is the only bureau reporting a state tax lien has not followed the new rules applied to credit bureaus. I disputed this lien several times as it does not contain my name, address, dob and social security number. Please delete asap

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Ocwen Loan Servicing has referred my account to foreclosure and the assignment was fraudulently created and signed by robo signers also the cutoff date of the trust had expired when the assignment was created.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 120 days past due as of XXXX XXXX, XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: MD

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX 30 days past due as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc.
State: NV

Complaint narrative:
ARA Inc. contacted me by phone on XXXX. I was on vacation with my family so said I would contact them when I returned home. Upon arriving at home on XXXX I found letter dated XXXX/XXXX/XXXX. I called again and talked with XXXX XXXX. She told me they had contacted my ex-wife and my credit union which I checked later and found they were all lies. They refused to provide me with any documents showing I had taken this loan out. They were referring to a loan with XXXX XXXX supposedly taken out by me 20 years. This was reported 20 years ago as identify theft with a letter from the person that took out the account. They said I owed {$25000.00} and with interest and penalty it was over {$65000.00}. They would settle for {$7000.00} + and after later talking offered to settle today for {$6000.00} +. If I did n't they would take me to court for collection of the full amount. I told them to go ahead and I contacted my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
Hello, Below is a response I sent to, Convergent Outsourcing, on a false debt they called me about today for XXXX XXXX XXXX, which, I have never owned and have disputed this debt with XXXX XXXXXXXX XXXX since they first sent this account to a collection company over 7 years ago. 
XXXX To whom it may concern, The debt you are calling about as I explained to your agent, XXXX XXXX, today, XXXX/XXXX/XXXX, per my phone call to your number of, XXXX, has never been my debt, is not my debt and has been disputed for over 7 years! Your company is the fourth or fifth collection company that has bought a portfolio with this false account in it and I am giving you formal notice to Cease and Desist any and all collection activities to this matter with your company. If you continue to harass me with this false debt through calls to XXXX, through mailings to my home or falsely reporting it to any and all credit agencies I will pursue you with any and all legal recourse available to me. 

I have just reported your company to the CFPB with a formal complaint filed about your harassing calls and to the false file your are harassing me about. 

Good day, XXXX XXXX XXXX XXXX _____________________________________________________________________ I am tried of Convergent Outsourcings harassing calls for a debt I HAVE NEVER OWED. As in the letter I stated above, they have called my home repeatedly, when I answer, they either hang-up or it goes into a que that keeps repeating the same message with no answer. That is why I called them to end this harassment and matter. 

Your help with this matter is greatly appreciated. 

Respectfully, 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 2017-08-18 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: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
Information was disputed from my credit report and now it has reappeared

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXXXXXX XXXX is reporting a debt of {$140.00} on my credit that was paid and they told me that it 's not on my credit and it still is and Equifax is not responding to my request to delete. This account is from XXXX and paid in full. XXXX XXXX for {$530.00} I sent a dispute letter to XXXX XXXX and they responded that they do not have an account in my name. I do n't know why Equifax is not removing this debt as it does not belongs to me. Today there was a new account placed on my Equifax report from XXXX XXXX XXXX, this is not my debt and I demand to have this account removed from my records. From what I saw on the report this debt is from XXXX why are people allowed to put things on the wrong person credit profile and then we have to fight to get it off. This is wrong to place negative remarks on the wrong person credit file.

Company response to consumer: Closed with explanation