vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-28 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: PNC Bank N.A.
State: IL

Complaint narrative:
PNC BANK account # XXXX is reporting this account negatively. To all 3 of the credit bureaus on my credit report. I will need for PNC BANK to provide me with the original instrument of indebtedness bearing my signature. Also I will need the photo copy of the government issued photo ID and photo copy of the social security card used to secure this debt. If this very critical information is not provided there is no way for PNC BANK to state this debt was created and definitely no way it can validate it is owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
XX/XX/2018 @ XXXX CST. Call duration 6 minutes and 8 seconds Lady called, identified herself as XXXX XXXX. Spoke about a debt, then asked for my personal info. I explained that I don't verify nor share that on an incoming call. She immediately got a nasty attitude because I wouldn't verify. I asked for her to send a letter so I can get help to go over it. ( I am recovering from a XXXX and sometimes need help ). She then got even more nasty with me and said " No! Why would we send out another letter! '' I was taken back as I do not think my request was asking for too much. 

As I thought the call was over, I have to speak on speaker phone as a result of my XXXX. I said outloud " That lady was rude and needs to be reported! '' Again thinking the call was ended. XXXX XXXX was still there and said " Oh! I can transfer you to my manager '' I accepted her offer as I was hoping the manager would send me a letter. As XXXX XXXX was trying to bring her manager on the line, she experienced what appeared to be issues doing so. XXXX XXXX then said to me " XXXX, you are going to have to sit in queue ''. I was appalled. 

XXXX XXXX then came on the line and did not want to address any concerns only kept repeating " The calls will continue '' " Like I said the calls will continue '' All I asked for was a letter from the company in writing, nothing more.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I filed documents with ocwen showin evidence of a Equity trust they have me in which is a Pooling service. 

Ocwen states there are several mortgage in the PSA and Equity is just a name. The issue I have with this is my loan is a conventional Loan the word Equity should not be associated with the PSA. It clearly states EQUITY TRUST. My Deed Clearly states it is not and EQUITY DEED. 

Next XXXX XXXX  is not even in my loan documents and they show them in the trust SEC as my Beneficary/ They show XXXX as a Beneficary which is not in my orginal deed. My orginal deed Beneficary Trust is XXXX as listed in the deed Next The cut off date as in the SEC Report shows From XX/XX/XXXX-XX/XX/XXXXI would like to know how my loan was put in this PSA. I closed on my loan XX/XX/XXXX. The trustee at the time was Mortgageit not XXXX XXXX please explain? 

The law states no new instruments can be added to a trust once close please explain how it is possible for Ocwen transfers that are past the trust date XX/XX/XXXX-XX/XX/XXXX. Ocwne do not know about the orginator of the loan per to you the CFPB that means a broken chain of command in title.Please explain? 

Explain how Ocwen is doing a Non-Judicial forecloser when it clearly shows they accelerated the loan in XX/XX/XXXX which is pass texas law for non-judicial foreclosure document attached showing Ocwen is now duel tracking I sent a modification pack within the seven days per law they are to stop the foreclosure while in review. Ocwen is reviewing and has the sale date still on the property. This is illegal. 

I also want to know why Ocwen lied to the CFPB and sent fake documents showing the loan was accelerated in XX/XX/XXXX when in fact as the document I provided shows XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
Account has been paid in full. XXXX XXXX forwarded my file to a law firm- Aldridge , Pite & Haan . I made the following payments : XX/XX/XXXX- {$640.00} XX/XX/XXXX- {$230.00} XX/XX/XXXX- {$68.00} These incompetent, morally corrupt lazy people have not reported this  accurately to the credit bureaus leaving my credit score to be adversly affected while i am trying to buy a house. Ive called numerous times and spoke to several people and they refuse to remove this from my credit report. I have disputed this information 4 times and each time they state that the information is correct on my credit report and it clearly is not!!!!

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 2018-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2018 I received a letter from Cabela 's Club Visa that due to a credit report that THEY pulled from XXXX ; a credit reporting agency that was breached by cyber criminals and did notify me that my information was stolen, that they were reducing my credit limit from {$2000.00} to {$1500.00} because XXXX reported that " proportions of balances to credit limits on bank/national revolving or other revolving accounts is too high. '' Because of Cabela 's decision, they have caused this account to show that my balance to credit limit is too high thus affecting my credit score to be reduced by ANOTHER 32 points and destroying my credibility with other creditors! I am a disabled veteran and am on a fixed income and because of credit card companies practices to do this to disabled veterans and keep us from building our credit worthiness, this is discrimination! Cabela 's also only uses ONE credit reporting agency and does NOT consider the reports from XXXX and XXXX in making their decision which clearly shows their bias decision!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc.
State: GA

Complaint narrative:
Account has been paid in full. Optimum Outcomes forwarded my file to a law firm- XXXX , XXXX XXXX XXXX . I made the following payments : XX/XX/XXXX- {$640.00} XX/XX/XXXX- {$230.00} XX/XX/XXXX- {$68.00} These incompetent, morally corrupt lazy people have not reported this accurately to the credit bureaus leaving my credit score to be adversly affected while i am trying to buy a house. Ive called numerous times and spoke to several people and they refuse to remove this from my credit report. I have disputed this information 4 times and each time they state that the information is correct on my credit report and it clearly is not!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Within the past 30 days, about every 3 days I have been receiving phone calls from a company ( Caller ID name is Convergent ) ( XXXX ) XXXX and they have told me that I have an unpaid XXXX Bill. No person that lives in my household uses XXXX as a phone service and I have tried to resolve the issue by speaking with a woman who has confirmed that they have the wrong person but regardless they continue calling me. They have called me on the following dates : XX/XX/2018-XX/XX/2018-XX/XX/2018-XX/XX/2018 and the last that I am able to recall is XX/XX/2018. The woman I spoke to assured me that they were going to take my phone number off of the call list but have not done so and I have continued receiving phone calls from them.

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 2018-06-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
USAA prequalified me on income they knew that they couldn't use to close the loan. I recently transferred from XXXX XXXX military to the XXXX XXXX and took a civilian job with XXXX XXXX. I applied with USAA for a mortgage using my current and future income along with rental property that had just rented in XX/XX/2018. I was initially approved for XXXX and then after another review XXXX. My rental income was used as a basis for the decision even though I advised the loan processor that it wasn't reflected on my tax returns due to just being rented. I was told that this wasn't a problem. During the first review the loan was declined, with USAA citing that the VA doesn't allow rental income not contained on tax returns. I was lied to during the application process and now I have spent considerable time and money to secure a property that I can't close. USAA was dishonest from the beginning and led me to believe something that wasn't true. I then attempted to add my XXXX XXXX income, which they also denied because I don't have 12 months of pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My account is was open and approved for XXXX back in XX/XX/2017, I been making good payments never late and after 6 month they are making decision to close my account. Can you please help me to verified this. Thank you

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 2018-06-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My credit score dropped 60 points due to me paying off a mortgage that was on my credit report for 13 years. Transunion shows this account as closed but did not reflect that it was paid off. 
I contacted XXXX and spoke to someone in a different country that I could barely understand. They stated that I lost that file off my credit report and therefore it was not used in the calculations of my score. I asked the gentleman to send to another Department to file a complaint. He stated that I should send it in writing. Once again I requested to file my complaint by phone. He refused at which time I asked for a supervisor. 

I spoke to another gentleman claiming to be a supervisor but he stated they exact same thing. He stated that they did not allow consumers to file complaints by phone and that I needed to file my complaint by letter. I asked for his supervisor and he told me that he would send me to the United States Legal Dept. 

This was at XXXX XXXX and the call was anserwed at XXXX by the Special Needs Dept. I spoke to a Lady who stated the same thing and that my credit history was not a reflection of my Credit Score. I requested to file a complaint by phone and She stated that they do not accept complaints over the phone. She then placed me on hold and stated that I could file a complaint over the phone. She stated that my complaint had been recorded and I asked for a compliant # for me to research at a later date. She stated that there was no complaint #. After I raised the question of there being no number then she said that there was a complaint # XXXX. I expressed to her that I was filing a complaint with the CFPB and she stated that number would be available for them to find.

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 2018-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
HI MY COMPLAINT IS ON EQUIFAX SUPERVISOR NAME LAMONT HE IS FROM NEVADA ID NUMBER ( XXXX ) ... HE IS VERY DISRESPECTFUL, HE DENIES ANY KINDS OF DOCUMENTATION PROVIDED TO SUPPORT MY DISPUTE. HE GIVES YOU FALSE INFORMATION BY MISLEADING YOU NUMEROUS DIRECTIONS. BUT ONCE TRYING TO GET THE DOCUMENTATION HE NEEDS YOU END UP NO WHERE BECAUSE HE LIES JUST TO GET RID OF YOU I AM A VICTIM OF IDENTITY THEFT AND I'M BATTLING XXXX FROM BEING VICTIMIZED HE DOESN'T TREAT SITUATION FAIRLY UNDER THE FCRA LAW. HE COMPLICATES THE SITUATION MAKING IT EXTRA HARD TO REMOVE FRAUDULENT ACCOUNTS I HAD TO CALL COUPLE OF TIMES TO EQUIFAX HIS MAKING A MOCKERY OUT OF MY CASE SAYING YOUR FILE IS NOTATED I CANT HELP YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2018 I mailed out a notarized dispute letters to XXXX and Experian via USPS Certified Mail, tracking # XXXX and Experians Tracking XXXX. XXXX and Experian received my dispute letters on XX/XX/2018 at XXXX XXXX ( see screenshots attachment from XXXX. ) I received an email from XXXX on XX/XX/XXXX with the subject titled " XXXX Confirmation Number : XXXX - Dispute Completed '' to review the results online and prompted me to login and answer security questions to access the disputed results. 

Experian has not mailed me any dispute investigation results or any notices regarding my dispute sent to them and are currently 7 days passed the 30 days they have for instigating my dispute as I submit this complaint with the CFPB. 

I believe XXXX  is acting unfair and deceptive since I have never opted in to receiving dispute results by email, I have always received dispute results by mail only. 

After I attempted to login to the link XXXX sent me, I answer the security questions as prompted and was declined access to my credit report results because I appeared to have answered the questions incorrectly. 

The questionnaire XXXX provided to gain access to the " completed results '' DO NOT relate or pertain to me in any way.

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 2018-06-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: WA

Complaint narrative:
Applied for and received a XXXX dollar loan in XX/XX/2017. To date, I have paid back XXXX and the company is claiming I still owe 13 weekly payments of XXXX, or XXXX dollars in principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I had a credit card with XXXX XXXX which was paid in full by my XXXX XXXX XXXX they sold it to a another company which is XXXX XXXX and they are now trying to get me to pay that balance again plus they have added fees to it. Please have this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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: TN

Complaint narrative:
1 ). On XX/XX/2018, I sent my first round of dispute letters to Equifax Credit Bureau, which was my stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report. By the FTC, ( Federal Trade Commission ) rules and regulations, Equifax Credit Bureau had 30 days to delete all fraudulent information from my credit report.

2 ). On XX/XX/2018, I sent a stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report letter to Equifax Credit Bureau, by U.S. Postal Service Certified Mail Number XXXX XXXX XXXX XXXX XXXX. This was my first round of dispute letters, for which Equifax Credit Bureau was supposed to remove : XXXX XXXX XXXX, opened on XX/XX/2018, with a balance of {$2100.00}.

3 ). Equifax Credit Bureau had 30 days by the FTC, ( Federal Trade Commission ) to remove fraudulent information on the first round of letters ( The stamped Identity Theft Report, and my stamped police report, and 605B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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: NV

Complaint narrative:
I'm writing about a over 30 years old fraudulent student loan. I was a minor when I attended XXXX XXXX XXXX. This was a corrupt beauty school along with over 36,000 students, my information and signature has been copied and pasted on documentations without my authorized consent. I do not have any signed contracts with any collection agencies or loan services. I've contacted XXXX loan servicing about this fraudulent claim by certified mail on XX/XX/2018. Also, reported by CFPB XXXX is facing 4 lawsuits alleging that it harmed student loan borrowers throughout the repayment process. XXXX miscalculated payments, steered struggling borrowers toward multiple forbearance instead of income-driven repayment plans, and provided unclear information, etc ... I've contacted ALL 3 credit bureaus, XXXX has completely removed this from my credit report. However, XXXX and Equifax has refused to remove this fraudulent account from my report. I've submitted them with a XXXX police report # XXXX and have contacted the FTC # XXXX as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-28 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: NV

Complaint narrative:
I'm writing about a over 30 years old fraudulent student loan. I was a minor when I attended XXXX XXXX XXXX. This was a corrupt XXXX  school along with over 36,000 students, my information and signature has been copied and pasted on documentations without my authorized consent. I do not have any signed contracts with any collection agencies or loan services. I've contacted XXXX loan servicing about this fraudulent claim by certified mail on XX/XX/2018. Also, reported by CFPB XXXX is facing 4 lawsuits alleging that it harmed student loan borrowers throughout the repayment process. XXXX miscalculated payments, steered struggling borrowers toward multiple forbearance instead of income-driven repayment plans, and provided unclear information, etc ... I've contacted ALL 3 credit bureaus, XXXX has completely removed this from my credit report. However, Experian and XXXX has refused to remove this fraudulent account from my report. I've submitted them with a XXXX police report # XXXX and have contacted the FTC # XXXX as well.

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 2018-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of America Ltd.
State: NV

Complaint narrative:
I'm a victim of identity theft and I do not have any signed contracts with any collection agencies regarding this account from XXXX XXXX XXXX XXXXXXXX. I've contacted ALL 3 credit bureaus, XXXX has completely removed this from my credit report. However, XXXX and XXXX  has refused to remove this fraudulent account from my report. I've submitted them with a XXXX police report # XXXX and have contacted the FTC # XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2018 I received a letter from XXXX 's XXXX XXXX that due to a credit report that THEY pulled from Equifax ; a credit reporting agency that was breached by cyber criminals and did notify me that my information was stolen, that they were reducing my credit limit from {$2000.00} to {$1500.00} because Equifax reported that " proportions of balances to credit limits on bank/national revolving or other revolving accounts is too high. '' Because of XXXX 's decision, they have caused this account to show that my balance to credit limit is too high thus affecting my credit score to be reduced by ANOTHER 32 points and destroying my credibility with other creditors! I am a XXXX veteran and am on a fixed income and because of credit card companies practices to do this to XXXX veterans and keep us from building our credit worthiness, this is discrimination! XXXX 's also only uses ONE credit reporting agency and does NOT consider the reports from XXXX and XXXX in making their decision which clearly shows their bias decision!

Company response to consumer: Closed with explanation