vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
Have mortgage with PHH Mortgage, was taken over by XXXX but still serviced by PHh Morgtage..Every since they have taken over, things have been very hard to get in touch with these people. 

I Was approved for trial modification on mortgage XX/XX/2020. Payments were to be started XX/XX/2020. with XXXX, XXXX XXXX of such payments of {$720.00}. I have sent XXXX payment dated XX/XX/XXXX they received and XXXX was XX/XX/XXXX they received. But received a monthly statment that says XXXX was not received or applied correctly. As of today XX/XX/XXXXI get a letter from mortgage saying intent to foreclose has been accelerated! I have tried to call, ,sent emails, no one every replies from this company since it was sold to another lender. I am doing my part to save my home, I did what was asked back in XXXX and the account was approved for trial mod then they are suppose to after all 3 payments were sent in, then they make " new loan '' permanent. I feel like they are not holding up there end and are forcing me to lose my home and this can not be legal what they are doing or one department doesn't know what the other department is doing! Make this company reply to emails. I can't even get into my account as they have me locked out. Whole thing is very ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB
State: TX

Complaint narrative:
Original Purchase {$370.00} XX/XX/XXXX through XXXX ( line of credit account through Klarna ) Klarna.com - Payments ( account website ) I made payments made timely with no late payments. My personal email ( unrelated was hacked ) and I deleted the account immediately as it was affecting other open credit accounts. It was an urgent issue Klarna uses only your email address for logging into your personal account. I called and told them I needed my account updated for new email address. I was told to make a new email address and that updates could not be made to existing accounts. When I set up a new account and called back - I was told - KLARNA would need to set up a new account and to give them a THIRD email. I asked for final balance and to just pay by phone right then. They do not accept payments by phone and can not email an invoice or statement so I only could get bill pay information and final balance via email in writing.?????  Ok, fine. Balance according to them? {$65.00}. 

Final payment due : XX/XX/XXXX Final payment sent via bill pay ( before due date ) XX/XX/XXXX Late Fee notice sent via physical mail : XX/XX/XXXX Statement with INTEREST NOW!!! via physical mail : XX/XX/XXXX Late fee was because my payment was SHORT?? by {$2.00}. Why? Because ACTUAL balance was {$67.00}. Hence, {$2.00} balance, late fee, interest ( even though payment not late, amount in writing from Klarna and STILL NO ACCESS TO MY OWN ACCOUNT TO CONFIRM MYSELF. 

Call/email Klarna : XX/XX/XXXX STILL HAVE NOT UPDATED ACCESS TO ACCOUNT : told me would waive late fee but no confirmation number, no email confirmation and can not talk to anyone else. But need to send Bill PAYMENT of  {$4.00} ( wont cover their error or interest ) Meantime, my payment will be late in 6 days ... guess what their solution is? Wait 7-10 after I send the payment, then call back and if there is another late fee - they will waive again ... ... .what happens if more interest happens?? This goes in a loop. This is fraud and stealing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: U.S. BANCORP
State: TX

Complaint narrative:
When : XX/XX/2020 How : emailed, called Elan numerous times. Also contacted Fidelity numerous times. 
Who : Elan Financial Services What : Consumer Privacy issue, Elan Financial Services incorrectly determines recurring charge merchants without consumer permission, does not allow consumers themselves to update this list, and Elan itself can not update/correct this list, either. 

Please see my email to Elan below. 
-- Hi, I have a Fidelity credit card via Elan. 

Recently I find out that your company software or system automatically identify certain merchants as recurring, i.e. they can incur recurring charges. This is completely false, and without my permission. Most of these merchants do not have intention to impose recurring charges, either. This is purely your software or system making the wrong choice without our consents. This is illegal as it does not have my permission. 

The issue is getting worse in which, I just found out, no one can update this recurring charge/merchant list, as I found out while on the phone with Elan customer service now. I am informed right now that they can not update this list, either. 

I urgently request you either allow me to update this list, or remove this feature completely from your system. 

Should this not be done within 30 days, I will have to file formal consumer complaint to appropriate bureau and agency as this feature violates my privacy, allows merchants to impose recurring charges to my credit card without my permission. 

Regards,

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 2020-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Hello, CFPB. I am writing because I am looking for the best way to solve this issue. TransUnion is reporting incorrect information, and this is hugely affecting me. I need them to investigate the following items : 1. XXXX  XXXX XXXX XXXX. Opened date XX/XX/XXXX. 
Balance {$1600.00}. Limit {$1300.00}. 2. XXXX XXXX XXXX. Opened XX/XX/XXXX. Limit {$2200.00}. Closed. 
3. XXXX XXXX XXXX XXXX. Opened XX/XX/XXXX. 
Original balance {$26000.00}. Closed. 

I sent this company a letter on XX/XX/XXXX. They did not even investigate the account.This is a violation to the FCRA. They are being unfair and negligent. Please send the attache letter to TransUnion. 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 2020-04-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This letter dated XX/XX/XXXX from National Credit Adjusters was put on three credit reports with the date of last payment being marked N/A for XXXX for a debt that was charged off in XXXX. Not only is this a time barred debt in the state of Texas. This company is falsely re aging said debt with an inflation of over {$790.00}. This is affecting my credit with three major  credit reporting agencies and was created solely for this purpose and intent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: PA

Complaint narrative:
To Whom It May Concern, This letter is in response to your recent claim that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : P.S. I have attached my recent Police report to this letter. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

CC : Consumer Financial Protection Bureau CC : Attor
ney Generals Office CC : 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 2020-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: LA

Complaint narrative:
I owed XXXX cable {$500.00}. I paid them off then received calls from Diversified Consultants regarding the debt. When I paid off the debt at XXXX I was told it would be removed from my credit report. 

I have contacted Diversified Consultants repeatedly and they tell me that they will not remove the debt collector report showing that it was not paid. I spoke to someone at Diversified Consultants about removing the entry on my credit report but they will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX. Date of Birth XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. 
My Transunion report show my score is XXXX. It lists all creditors that I have file bankruptcy with. They are using this against. It is charged off. However, it does lists XXXX XXXX, XXXX MasterCard, XXXX XXXX. It does not list the 2 only other creditors I currently have : XXXX XXXX Visa Card and XXXX XXXX. 

Transunion File Number XXXX My Number is XXXX. 

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 2020-04-20 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ

Complaint narrative:
On XX/XX/2018 my credit report was pulled without my consent as an attempt to open an account under of some sort under Nissan. An account was not successfully established to my knowledge but this hard inquiry reflects on my credit profile and after contacting Nissan on more than one occasion they could not assist with resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC.
State: SC

Complaint narrative:
I called in today XX/XX/XXXX, at XXXX XXXX EST to IQ International Data. I was trying to make a payment on an existing payment agreement. I am trying to be responsible, even though this debt is not personally mine. 
When I called in, I had informed the representative ( supposed manager ) of the payment agreement, and that I would like to take care of it today. After telling her what my payment agreement was because she could not find the notation, she said we dont do anything like that. I then asked her what I was able to do, and she said they only do release statements, and I would have to pay {$1300.00} to be taken off this collection account. 
I then responded that I was confused As to why I had a payment agreement previously, with a supervisor, and now I was being told something else. Because of this, I had informed her that I would like to call back and get someone else to clarify the amount, because I was now told two different things. 

I call back, not even a minute later, and the same woman answers the phone, and just says hello, and does not read her employee ID number like regular protocol. I said hi and asked her if she was the only one working, and she automatically got vicious and said that she did not need to answer that for me My response to her then was, Well how am I supposed to get help with this? I remind her I was trying to clarify the two different amounts with someone. 
She gets very angry, and says shes the only person working before XXXX P.T. and ya know what, youve been really rude and I dont need to help you She also stated that I was not trying to get help, I am FISHING for a settlement, a settlement Im not going to get I try pleading with her, that I am not FISHING, that I just needed help, and she hangs up on me! 
I call back immediately ( the third time now ) and she lets the phone ring for a whole 5 minutes ( even though shes not busy, and the only person there ) and she let it go to voicemail.

Not only is this extremely unprofessional, rude, an unfair, but people like her are handling peoples Social Security numbers and files?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
Some time in XX/XX/2020 I came across a derogatory item on my credit report by a company named RENT RECOVERY SOLUTION LLC in the alleged amount of {$2900.00}. I have absolutely no idea of this entity and have never done business with them. RENT RECOVERY SOLUTION LLC has obtained my private and personal identifying information without expressed prior consent violating consumer privacy laws. This item on my credit report has damaged and harm me for a period of time that I'm not even sure of. This item on my credit report has no validity, is unverified and has caused me to miss potential opportunities. This item has also restricted my ability to effectively engage in commerce for my personal, family and household upkeep and pursuit of liberty. 

I have contacted RENT RECOVERY SOLUTION LLC about their trespass against me to no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Hello, CFPB. I am writing because I am looking for the best way to solve this issue. 
Experian is reporting incorrect information, and this is hugely affecting me. I need them to investigate the following items : 1.  XXXX  XXXX XXXX XXXX. Opened date XX/XX/XXXX. Balance {$1600.00}. Limit {$1300.00}. 
2. XXXX  XXXX XXXX. Opened XX/XX/XXXX. 
Limit {$2200.00}. Closed. 
3. XXXX XXXX XXXX XXXX. Opened XX/XX/XXXX. Original balance {$26000.00}. Closed. 

I sent this company a letter on XX/XX/XXXX. They did not even investigate the account.This is a violation to the FCRA. They are being unfair and negligent. 

Please send the attache letter to Experian. 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 2020-04-20 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: PA

Complaint narrative:
On XX/XX/2020, Discover Financial Services reported my account as delinquent in the amount of {$3400.00} which is incorrect and the correct balance is {$3200.00}. I contacted Discover to agree to set up a payment arrangement on a different date due to my job being affected by Covid-19. However, they reported me anyway while I am still on a  payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
I recently sent a request for validation not verification letter to Cavalry Portfolio Services , LLC. I received back a generic letter stating that they reviewed the dispute and verified the information listed on the account which verification and validation are 2 different things.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I do not have with other valuable documents ( financial and prior police report which dealt with identity theft ). I am a senior and have been really hurt by the id theft. ) XXXX  has been sent information confirming my identification and every time refuses to indicated that my information is correct. as of XX/XX/2020, and by regular mail as of XX/XX/2020. There are also inquiries on my file that I did not request or authorize. have sent the information via Certified Mail return receipt requested I can not call in or acquire it from their Alert program. The information was stolen last year from a rental car I had at the time. It had prior police report and other documents ( personal financial and those of our organization ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am going through a business process for my a new job. I had my credit report pulled and I found all types of errors and bad information on my report the following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY 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 2020-04-20 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: DC

Complaint narrative:
On XX/XX/XXXX I sent a dispute to Experian ( via certified mail ) to dispute incorrect account ( XXXX ). I have never done any business dealings with this collection agency. The original creditor ( XXXX XXXX XXXX XXXX ) in who they are stating that they are representing for, I have directly settled this debt with them back in XXXX of XXXX and received two receipts from the original creditor before the company sold the property in XXXX of XXXX. 

I provided both receipts from the original creditor to Experian as proof of evidence, and on XX/XX/XXXX Experian sent me their results of my dispute, in which they stated the account is still being reported collection with no changes, and the account being removed in XX/XX/XXXX. 

The issue I have with Experian results is as follows : 1. ) I have been disputing this account for over 6yrs. and every time they deny in removing this account, they also fail to honor my request when denying to remove this account after their investigation, with forwarding me proof of validation from the reporting collection agency ( XXXX  ) that I owe this debt and directly to them. 

2. ) I continue in every dispute over the last six years to Experian in showing proof with contact information from the original creditors attorney, that I paid the correct balance of {$2500.00} ( not {$4600.00} ) directly to the original creditor and was given two receipts ( see attachments ) from the original creditor that all obligations was settled in full in XXXX of XXXX ( 5 month before XXXX reported this inaccurate account with XXXX  ). 

3. ) Never heard or or done any business dealings with XXXX. I have contacted this agency on numerous occasions and filed a couple of complaints with your organization and their local XXXX. This agency refuses to send me validation of proof, even after requesting and demanding for them to please contact the original creditor for validation/confirmation that this account was paid in full with them directly. I have also sent them the receipts from the original creditor itself and they refuse to update their records.

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 2020-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
Used Zelle payment service via the XXXX XXXX  app to send money. Transaction posted XX/XX/14 ( XXXX # XXXX ) for {$340.00} Money was transferred but goods were not received. XXXX XXXX will not refund money claiming their disclosures holds them harmless. Since Zelle is integrated with the XXXX XXXX XXXX, a reasonable person would presume it to be verified and escrowed by the bank. No disclosures or warnings appeared on the app when making the transfer to the contrary. XXXX XXXX opened a case ( XXXX ) but made no promise or expectation of reconciliation.

Company response to consumer: Closed with explanation