vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc.
State: PA

Complaint narrative:
I have  four  hits on my credit report from AR Resources. I have a Payment plan. I have paid them over {$340.00} since last  XXXX . I do n't understand why they put it on my credit report. That sucks. It 's the only thing on my credit report as of now. I do n't believe this should be on my credit report. it 's a total of about {$200.00}. I have kept my end of the agreement. Please remove from the credit report. If I actually do owe you money, please call me and I will take care of the " so called '' money owed. Seriously, AR Resources. My credit would be excellent if it was n't for AR not taking the hits off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
The latter part of XXXX, 2010, I got a Home Equity Loan from Bank of America for {$68000.00}. This man by the name of XXXX XXXX that has contacted me on XXXX had been contacting me for months and he said the was getting a loan from XXXX XXXX who was friend of his that XXXX XXXX was a consultant. XXXX XXXX called me several times by phone which he had a New York cell phone NoXXXX and a Texas Landline No. XXXX both which I still have. XXXX XXXX told me that he had contacts at Bank of America and that I had nothing to worry about at all. On XXXX XXXX, 2010,  XXXX XXXX called me stating that he had transferred {$67000.00}. to my Home Equity loan with BOA which it shows on my statement. Bank of America put a hold on these funds for TEN business days for the funds to clear. On XXXX XXXX, 2010, Bank of America released the funds as being good collected funds so I accessed them and did a bank wire as I was told over seas. I think since BOA put a hold on these funds for TEN business days releasing them as good collected funds then they should credit this back to my loan cause if they has not released the funds as being good then I could not have accessed them at all nor would I have accessed them either.I never heard of a bank putting a hold on funds for TEN business days then them not being good funds have you? I would appreciate your help please as this has been a nightmare for me. I have met with a NC State Senator on this issue too who passed a law 104 in NC because of my situation.

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 2017-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Portfolio Recovery, LLC
State: MN

Complaint narrative:
Received a collection letter from   XXXX   XXXX   stating I owe  XXXX   XXXX  a balance of {$1200.00}. I only have  XXXX  accounts with   XXXX    XXXX  and both are current on payments. Please have this collection removed from my credit reports and cease collection since the debt is not mine. Also the letter was sent to the wrong address, it was sent to an address to where i never resided. So I am confused why I am being sent to a collection agency for a debt that is not mine, and an address that is not mine as well. As mentioned please remove account and collection from my credit report. Also checked the account number and have no account number relating to the account referenced.

Company response to consumer: Untimely response
Consumer complaint received 2017-06-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
I have had a VA mortgage since  XXXX  and it has changed hand s ( servicers ) 5  times in that period. The latest took place, I 'm told, in XX/XX/XXXX  from  Ditech  to  XXXX   XXXX . I finally found this out, late in  XX/XX/XXXX , following my inquiries of the new servicer  (   XXXX   XXXX  ). I continued making payments to Ditech uninterrupted, throughout this period. Unbeknownst to me Ditech forwarded my payments to  XXXX   XXXX  for  XXXX  &  XXXX  but ceased doing so thereafter. My loan had gone all the way to pre-foreclosure with  XXXX   XXXX . I provided proof of payments to  XXXX   XXXX  and they endeavored to get these funds from  Ditech  without success until  XXXX  of  XXXX . Throughout this period I have received twice daily dunning calls from  XXXX   XXXX . In  XXXX   XXXX   XXXX   XXXX  claimed they finished their research and told me it was now my problem to get Ditech to release the funds. Further, that my proof of payment was not valid because any check would have been returned to me following a two month grace period and not processed by Ditech. This is utterly false. The " proof '' I provided was a combination of " Cancelled '' checks and verification that my electronic payments thru BillPayer were issued & received. Ditech has the funds and I continue to have a delinquent mortgage, ruined credit and inaccurate filed  XXXX  Federal Tax returns.  <P/> Attached is how I was informed that my mortgage was now being serviced by  XXXX   XXXX . This door hanger placed on the door knob of an out building at my property that I only " happened '' to find on  XX/XX/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 2017-06-04 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: Ocwen Financial Corporation
State: PA

Complaint narrative:
I  XXXX   XXXX  file a CFPB complaint as I believe th at Ocwen Federal  Servicing is re-aging my old mortgage account to maintain a negative item on my credit reports longer than necessary. My   XXXX    credit report shown my firs t 30-day l ate payment for  XX/XX/XXXX . That would mean that based upon the Fair Credit Reporting Act guidelines on obsolete information reporting, my  Ocwen  account would come off  XX/XX/XXXX .  Ocwen  also cut off over six-years of payment history, which I believe I had late payments during that timeline. In essence, I believe that 7-year rule would already apply and that the Ocwen account should already be removed. Accordingly, I will be satisfied with a  XX/XX/XXXX  removal date. The  XXXX  credit report has cut off the same six-years of payment history, and shows a beginning date of XX/XX/XXXX  The  XXXX  credit report showing  XX/XX/XXXX  is acceptable, and I need verification from  Ocwen Loan  Servicing that the account information will be remove XX/XX/XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I XXXX XXXX file a CFPB complaint as I believe that XXXX XXXX XXXX is re-aging my old mortgage account to maintain a negative item on my credit reports longer than necessary. My Experian credit report shown my first 30-day late payment for XX/XX/XXXXThat would mean that based upon the Fair Credit Reporting Act guidelines on obsolete information reporting, my XXXX account would come off XXXX XXXX, XXXX. XXXX also cut off over six-years of payment history, which I believe I had late payments during that timeline. In essence, I believe that 7-year rule would already apply and that the XXXX account should already be removed. Accordingly, I will be satisfied with a XXXX XXXX removal date. The XXXX credit report has cut off the same six-years of payment history, and shows a beginning date of XXXX XXXX. The Experian credit report showing XXXX XXXX is acceptable, and I need verification from XXXX XXXX XXXX that the account information will be remove 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 2017-06-04 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: PA

Complaint narrative:
I  XXXX   XXXX  file a CFPB complaint as I believe that  XXXX   XXXX   XXXX  is re-aging my old mortgage account to maintain a negative item on my credit reports longer than necessary. My  XXXX  credit report shown my firs t 30-day l ate payment f or  XX/XX/XXXX  . That would mean that based upon the Fair Credit Reporting Act guidelines on obsolete information reporting, my  XXXX  account would come off   XX/XX/XXXX .   XXXX  also cut off over six-years of payment history, which I believe I had late payments during that timeline. In essence, I believe  that 7-year r ule would already apply and that the  XXXX  account should already be removed. Accordingly, I will be satisfied with  a  XX/XX/XXXX  remova l date. The Equifax credit report has cut off the same six-years of payment history, and shows a beginning date of   XX/XX/XXXX . T he  XXXX  credit report showing   XX/XX/XXXX   is acceptable, and I need verification from  XXXX   XXXX    XXXX   that the account information will be remove   XX/XX/XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 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: MD

Complaint narrative:
I made a mail charge and it was not applied to the right account. My account was charged a late fee and I need it switched to the right account. Please call me at  XXXX .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mid-Michigan Collection Bureau
State: MI

Complaint narrative:
I paid off two outstanding bill from Mid-Michigan Collection Bureau. Still on my credit report. # XXXX & XXXX are the account numbers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 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: ID

Complaint narrative:
On  XXXX   XXXX ,    2017  I submitted letters to Experian requesting that personal information that is NOT mine be removed from my credit report as well as inquires. I provided the police report, a copy of my social security card and drivers license as instructed.     Experian addressed just a few items of what I requested and stopped investigation on the other items.     This has made it very hard for lenders to help me to obtain a home using my VA home loan.

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 2017-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: URS Holding, LLC
State: CA

Complaint narrative:
The original creditor was   XXXX   XXXX   XXXX   XXXX  . The original debt problem was in  XXXX . I lost my job and was n't able to find another job. I was unable to pay off the debt.   XXXX   XXXX   XXXX   XXXX   assigned a debt collector,  United Recovery Systems.  I negotiated a settlement and on  XXXX / XXXX / XXXX  the debt was paid off  to United Recovery Systems. I h ave the original letter of proof from them stating the debt is paid. Just after that date,   XXXX   XXXX   XXXX   XXXX   hire d 2 other  debt  collectors,    XXXX   XXXX   XXXX   XXXX  and  XXXX   XXXX   XXXX  to try to collect the debt again. I had to send them a copy of the pay off letter and they were satisfied.   XXXX   XXXX   XXXX   XXXX   then hir ed United Recovery Systems AGAIN t o collect the debt. This was on  XXXX / XXXX / XXXX .  United Recovery Systems s aid they did not show a record of the pay off. I had to send a copy of the letter FROM  United Recovery Systems, TO United Recovery Systems to pro ve I paid it off. If I would n't have had a copy of it, they would have said it was never paid. Then on  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   XXXX   hired  XXXX   XXXX   XXXX  - same process. On  XXXX / XXXX / XXXX  I received another letter from another collection agency,  XXXX   XXXX   XXXX  again saying I still owed the debt - same process. Then on  XXXX / XXXX / XXXX  I got a letter AGAIN fro m United Recovery Systems ( now  know n as Alltran Financial LP ) s aying I still owe the debt - I went thru the process again. Now I just got a letter AGAIN from  United Recovery Systems/Alltran Financial LP saying I STILL owe the debt. It 's even signed by the SAME person as last years letter!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
I XXXX XXXX have been approved for a home loan modification with Caliber Home Loans Inc., through the efforts of a law firm known as the XXXX XXXX XXXX based in the state of California. After making my initial three modification payments, Caliber Home Loans , Inc. is  now refusing any additional payments, including a certified check I sent during the month of XXXX 2017. I was only {$30000.00} behind in mortgage payments, and Caliber Home Loans is reporting on credit bureaus that I was {$140000.00} behind in payments. My problems began when I was almost killed in a work-related accident, however, I am fully back in the work force. Caliber Home Loans, Inc. is in direct violation of my rights under the Fair Debt Collection Practices Act, and not only do they have to accept my payments under the new terms of modification, but they must adjust my balance on credit accordingly. I have no other option but to submit my request for fairness directly through the CFPB as the XXXX XXXX XXXX has not acted quickly on this problem. I am well within my rights as an American consumer to utilize the services of the CFPB to help me rectify this serious problem. Caliber Home Loans, Inc. must accept my payments and abide by the modification agreement to be filed on public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
CFPB reference number  XXXX  shows very grave discrepancy which created bias or obstruction. The complaint process before  XXXX   XXXX ,    2017  and the same process after  XXXX   XXXX ,  2017  can be compared and contrasted because I suspect that time and attendance fraudsters got away with malfeasance or criminal gamble. I believe that I voiced my concern to the  USDOJ  fraud reporting  hotline both times  before and after  XXXX   XXXX ,    2017  where the hard copy and its microfilm must embarrass the ongoing meddling probe and its failure to act while supplies last.  XXXX  is fighting wastage, I guess. To make matters more transparent, The hard copy is faxed to  XXXX  on  XXXX / XXXX /   2017  exactly at  XXXX   XXXX . I skipped OIG or ombudsman or all authorized or unauthorized representatives at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: SC

Complaint narrative:
My girlfriend was   XXXX   and on  XXXX . She was found to have the   XXXX   XXXX   XXXX   and her doctor ordered me to go give a   XXXX   XXXX  . The hospital now has it in collections and it should have gone under her insurance. I have made several attempts to speak with the head of billing at  XXXX   XXXX  as well as going into the hospital on several occasions and have been turned away and told " just pay it ''

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 2017-06-04 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: ID

Complaint narrative:
On  XXXX   XXXX ,  2017  I submitted letters to   XXXX   requesting that personal information that is NOT mine be removed from my credit report as well as inquires. I provided the police report, a copy of my social security card and drivers license as instructed.       XXXX   addressed just a few items of what I requested and stopped investigation on the other items.     This has made it very hard for lenders to help me to obtain a home using my VA home loan.

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 2017-06-04 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: ID

Complaint narrative:
On  XXXX   XXXX ,  2017  I submitted letters to  XXXX  requesting that personal information that is NOT mine be removed from my credit report as well as inquires. I provided the police report, a copy of my social security card and drivers license as instructed.      XXXX  addressed just a few items of what I requested and stopped investigation on the other items.     This has made it very hard for lenders to help me to obtain a home using my VA home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I went to Wells Fargo to make a deposit where I have banked for 25 years. The was a cash deposit. I went to the teller and swiped my card through the machine and I gave the money to the teller. She put the money in the counting machine and came back and made out a handwritten deposit slip. When I checked my statement I noticed the deposit was not recorded. I went to the branch manager and he checked it and said that no deposit was made. No one in the bank seemed to have any interest in this incident. The people working at the bank told me that they were sorry, but there was nothing else they could do. I went to five different branch managers and they said they would look into it, but none called me back. I got the district managers number and I left him a detailed message, but he never returned my call. I asked them to check the camera and tellers transactions, but they said that it could not be done. The reason I am so upset is that is most of my life 's savings. The total amount is {$8000.00} made in two separate deposits ten minutes apart, but I was there for both deposits. I had someone with me, which is  a witness to the whole incident. I will be glad to talk to anyone if you need more details.

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 2017-06-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
I have had a VA mortgage since   XX/XX/XXXX   and it has changed hand s ( servicers ) 5 times in that pe riod. The latest took place, I 'm told, in   XX/XX/XXXX   from  XXXX  to  Loan Care.  I finally found this out, late in   XX/XX/XXXX ,  following my inquiries of the new service r ( Loan Care ).   I continued making payments to  XXXX  uninterrupted, throughout this period. Unbeknownst to me  XXXX  forwarded my p ayments to Loan Care fo r   XX/XX/XXXX &  XX/XX/XXXX b ut ceased doing so thereafter. My loan had gone all the way to pre-foreclosure wi th Loan Care. I provided proof of payments to Loan Care and they endeavored t o get these funds from  XXXX  without success until   XX/XX/XXXX  . Throughout this period I have received twice daily dunning calls fro m Loan Care.  In   XX/XX/XXXX    Loan Care  claimed they finished their research and told me it was now my problem to get  XXXX  to release the funds. Further, that my proof of payment was not valid because any check would have been returned to me followin g a two m onth grace period and not processed by  XXXX . This is utterly false. The " proof '' I provided was a combination of "  Cancelled '' checks and verification that my electronic payments thru BillPayer were issu ed & received.  XXXX  has the funds and I continue to have a delinquent mortgage, ruined credit and inaccurate filed   XX/XX/XXXX  Federal  Tax returns. Attached is how I was informed that my mortgage was now being service d by Loan Care. Th is door hanger placed on the door knob of an out building at my property that I only " happened '' to find on   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 explanation