vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
1. I contacted PHH immediately upon XXXX XXXX death, notifying them of the same 2. I requested a modification, completed all the documents 3. For months on following up, I was told the documents were under review and it would be another month or so. 
4. This continued until, I initiated a follow up call and was politely told that they could not discuss this with me as I was not a party to the loan 5. Frustrated at that point, with the loss of XXXX I just because XXXX  and gave up. 
6. In or around XX/XX/XXXX I took another stab at PHH and was directed to the loan solutions center. There again I uploaded all requested documents. 
7. I continued to check the status of my request at the loan solutions site and saw that none of the documents I uploaded had been reviewed. 
8. This prompted my call PHH again around XX/XX/XXXX. It was then and only then was I informed about the process for acquiring ownership interest in the property. They finally noticed me as a successor of interest on XXXX XXXX, XXXX ' I have NEVER been offered a mediation or allowed to speak to anyone as a successor of interest until XX/XX/XXXX XXXX property is scheduled for foreclosure sale on XX/XX/XXXX. 
10. This process has been totally unfair to me, as I have complied with every request from PHH. 
11. Of course after my XXXX communication via phone, very nice lady, gave me information I should have been given during my initial call in 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 2021-10-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I put in a dispute with Capital One on XX/XX/XXXX for {$1600.00} for a charge with XXXX for a trip from XX/XX/XXXX - XX/XX/XXXX. In the attached letter and statement you will see they said and posted the credit supplely for that amount. If you look at the top of my attached statement, you will see an overage of {$910.00} which means I don't owe them, they owe me. My credit limit is {$4100.00}, but my available credit is only {$2400.00}. That is a difference of {$1600.00}. If they had given me the {$1600.00} where is the difference. Since my credit limit is {$4100.00} then my available credit should also be {$4100.00}. They are saying one thing, but actually doing something else, which is giving false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lending Club Corp
State: NC

Complaint narrative:
This account is fraudulent in regards that the security interest paid for all obligations. Lending Club continues to communicate with me harassing, oppressing, and abusing me in connection with this debt. Lending Club has continued to send false, deceptive, and misleading representation in connection with the collection of debt created by this account. Lending Club unfair and unconscious practice to collect this debt is causing harm, abuse, and is very deceptive. 
Lending Club continues to infringe on my rights as a consumer by not in good faith upholding their responsibilities. The Fair Debt Collection Practices Act ( FDCPA ) and Truth in Lending Act ( TILA ) responsibility for the debt is in dispute as well as the validity of the debt, or any portion thereof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: CITIBANK, N.A.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BEST BUY/CBNA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2021-10-27 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX  CREDIT CARD -- XXXX GAS CARD ACCOUNT XXXX ONCE AGAIN XXXX XXXX HAS REPORTED INCORRECT INFORMANTION TO THE CREDIT BUREAUS ... ... XXXXIN ADDITION TO I HAVE MADE PAYMENTS ON MY CREDIT ACCOUNT WHICH ARE NOT SHOWING UP .... 

****MAY BALANCE IS INCORRECT***** THERE SEEMS TO BE A CONSTANT DISHONEST APPROACH TO THE WAY SYNCHRONY BANK DOES BUSINESS. 

I HAVE HAD CHARGES PENDING FOR 3 WEEKS AND ALL OF SUDDEN THEY WILL APPEAR AND THEN I AM OVER THE LIMIT .... 

ITS SEEMS AS THOUGH THEY ARE FINDING WAYS TO CHARGE CUSTOMERS EXTRA MONEY AND INTEREST .....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: MI

Complaint narrative:
I was reviewing my credit file and noticed some inquiries from merchants who I have not applied for credit from. I have an open dispute with trans union so they wont allow me to dispute the inquires attached. Please help me with this matter

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 2021-10-27 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: TX

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT AN ACCOUNT THAT DOES NOT BELONG TO ME. ALSO WRONG OLD ADDRESSES THAT NEED TO BE DELETED, A LETTER OF EXPLANATION IS ENCLOSED.

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 2021-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: DE

Complaint narrative:
Hello. My mortgage is with Mr. Cooper. Loan # XXXX. I was on the COVID-related mortgage relief plan from XX/XX/XXXX through XX/XX/XXXX. I was able to make my XXXX mortgage payment, but the payment is too high for me to sustain. After speaking with Mr. Cooper on XX/XX/XXXX, I applied for a Mortgage Modification. 

I've provided all the information they've requested. Some of it has been provided multiple times. I've spoken with 4 people with Mr. Cooper and they ( after checking with their managers ) said what I've submitted is sufficient. When I submit documents, it says, " Under Review. '' A few hours later, it says Underwriting Paused and they ask for the same documents I already provided. 

They keep asking for my commission statements and 2 months of bank statements. I've submitted them, yet they are again saying I haven't provided the information. They keep claiming I'm a business owner, but I've told them verbally and in writing that I am not. I'm an Insurance Producer and am 100 % paid by commission. 

I've spoken with Mr. Cooper 1-3 times a day for the last week and am getting no where. The people on the phone say everything is fine, but their site continues to show requests for documents I've already provided. I'm uploading a list of the documents I've provided, from the Mr. Cooper site. I can provide the actual documents, if you require it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Atlantic Recovery Solutions LLC
State: IN

Complaint narrative:
Over the past several days, a company has called myself, members of my family, and has threatened to call my employer MULTIPLE TIMES. I have no idea who this company is and what the matter is. The last voicemail I received was from XXXX who did not state she was with any particular company, and only gave me her telephone number of ( XXXX ) XXXX and a file number XXXX. 

I googled the telephone number and it matched with Atlantic Recovery Solutions. I called and the first person who answered was silent and then hung up the phone. I called back and it went straight to XXXX XXXX voicemail, but nothing that states I was calling Atlantic Recovery Solutions. There is no " thank you for calling ... '' message. It appears to go directly to someone's personal cell phone. 

I am extremely concerned for two reasons : 1 ) That this may be a scam to get me to pay a bogus collection, and 2 ) That they are harassing me, members of my family ( I have no idea how they have their telephone numbers ), and have already threatened to contact my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
chase closed all my and my wife 's presenile credit cards and my business credit cards and my bank account with any good reason. I was hanging on the phone for hours to get someone explaining what is going on and they didn't get me anywhere i asked my friends and heard that a lot of XXXX customers had the same situation so it seems to be a discriminations act a need help to get my cards open and my business should keep on running as needed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: NY

Complaint narrative:
I am a victim of identity fraud threw my identity being stolen it is reported by the irs i have a code i use to file taxes because of the identity fraud also i had my info breached threw XXXX, & my info is on the XXXX web, i have multiple UNAUTHERIZED accounts & inquiries must be deleted.

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 2021-10-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
This account is fraudulent in regards that the security interest paid for all obligations. Carrington continues to communicate with me harassing, oppressing, and abusing me in connection with this debt. Carrington has continued to send false, deceptive, and misleading representation in connection with the collection of debt created by this account. Carringtons unfair and unconscious practice to collect this debt is causing harm, abuse, and is very deceptive. 
Carrington continues to infringe on my rights as a consumer by not in good faith upholding their responsibilities. The Fair Debt Collection Practices Act ( FDCPA ) and Truth in Lending Act ( TILA ) responsibility for the debt is in dispute as well as the validity of the debt, or any portion thereof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've submitted many complaints against the credit bureaus. THey have not been sticking to the 60 day investigation time-frame investigation put fourth by the CFPB. Each complaint they respond that they will notify me in 60 days, to this date i have received no results into the 9 complaints I have filed. I am filling again. I have attached both my 609 letter disputing the inaccuracies. as well as my demand to comply letter written by my attorney. We will be filing a lawsuit against all 3 companies, if the results of this complaint are not satisfactory.

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 2021-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MS

Complaint narrative:
I have disputed a medical debt with debt collector LAW OFFICES MBA XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX that is on my credit report in collections reported as derogative several times. I have sent a debt validation letter 2x by certified mail on XX/XX/XXXX and XX/XX/XXXX and contacted XXXX credit bureau. I have asked the debt collector to respond to the dispute in written communication and have gotten NO REPSONSE. Debt collector has damaged my credit and continues to call me and collect with no responses to my debt validation letters. If debt is valid or belong to me I DID NOT sign a HIPPA form to given consent for my medical records to be released.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I sent Equifax a dispute letter requesting inaccurate accounts be removed from my credit report file. I never received a correspondence back from Equifax. On XX/XX/XXXX I sent another dispute letter for inaccurate reporting accounts on my credit report/file. It has been over 30 days and I haven't received any correspondences/reply from Equifax for these as well. I mailed another letter on XX/XX/XXXX stating I haven't received correspondence from them and to please delete the accounts listed in the letters for violation to respond within 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I had an account with Simple Bank which stopped service this year and my account was transferred to BBVA. I couldn't access my account through BBVA because of technical difficulties. Then I forgot to try to access it for a couple of months. I barely used the account anyway and I transferred money in it to cover the very small withdrawals I knew were coming out of the account. Simple Bank did not charge overdraft fees but BBVA does and I did not realize this. I received letters from BBVA but I thought were just statements at first. The totals at the bottom of the letter were positive numbers and I didn't read the notices very closely until the number was larger than I expected. I was not contacted in any other way. I accrued over 19 NFS charges from XXXX - XXXX totaling over {$700.00}. Most of the charges were for AHC withdrawals of {$3.00}. I tried to see if BBVA would help me remove these charge, but when I tried to contact them, I learned that they were acquired by PNC. Then I tried to contact PNC but they were so overwhelmed by the acquisition that I couldn't access my PNC account for weeks after this realization. Getting a hold of anyone at the company was nearly impossible. After finally getting my account information and contacting them again about the fees, PNC says I am responsible for all of these charges because they happened when my account was owned by BBVA and that I should have contacted them while I was still a customer with them. I had ~ a 4 month window to get in contact with BBVA about a problem I didn't realize I had for a bank account I barely used. PNC said they would forgive 3 of the charges but I am responsible for paying the rest of them. I can't believe I have no course for resolution and they can not offer any help beyond 3 courtesy fee waivers. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: PA

Complaint narrative:
For the past two years I have been dealing with the burden of someone stealing my identity. The persons involved have received credit cards car loans and received personal family or household goods. I have tried to dispute all the accounts some came off and some refuse to be taken off. I've paid credit repair agents and tried to dispute myself with out proper knowledge. Today I the natural person consumer is asserting all lawful action to get remedy for my identity being stolen. XXXX XXXX XXXX has given me the hardest time they have sold my debt or shared it with a third party debt collector. Pursuant 16CFR 433.1-433.3 THE CONTRACT IS FRAUD THERE IS NO CONTRACT CONTAINING MY SIGNATURE. ALL CONTRACTS MUST HAVE TWO SIGNATURES NO COMPANY IS EXEMPT. They never sent validation of the debt pursuant FDCPA 15USC 1692 ( d ). I never contracted, agreed, or arranged any consumer credit transaction. I ask that the account be closed because I had no idea how to dispute the identity theft at the time in XX/XX/XXXX and it was still being actively used and paid in my name. XXXX XXXX then closed account and charge off never sending me anything pertaining to the identity theft I alerted the fraud department. Each month since XXXX they have reported to the CRA 's negatively without the proper notice to opt out. TRANSUNION, XXXX, and XXXX are all apart of the identity theft. I've sent in a driver 's license, passport, social, and pieces of mail to prove identity and valid address. The credit reporting agencies failed to verify the info. They have me listed under XXXX XXXX or XXXX XXXX XXXX and that is not and have never been my name. They have listed I have as SSI Pension I have never worked anywhere long enough to receive a pension. In XX/XX/XXXX I filled and FTC identity theft against XXXX XXXX XXXX. My consumer report says it was open XXXX XXXX making me a minor at the time. Transunion sent me a letter saying that it was verified XX/XX/XXXX. Pursuant 15 USC 1681 a ( e ) all investigated reports must have sources of interviews of family and friends. NO REPORTING AGENCY has provided and investigated report containing such information. The credit reporting agencies are reporting on an alleged debt between me and XXXX XXXX XXXX pursuant 15 USC 1681a. I the natural consumer has the right to privacy pursuant 15USC 1681a ( 4 ). These fraudulent accounts were authorized by SSC the real credit card defined under the Truth In Lending Act and these transactions must be excluded from my consumer report. This infringement has gone on long enough I want the account updated as paid and full and taken off my 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 2021-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I received a notice from Aargon Agency regarding a debt that was referred to them by XXXX in XXXX, CA. I spoke to XXXX and requested to verify the debt. This verification was to also include a copy of the contract with XXXX. I did receive in the mail a print out of billing however I did not receive the requested copy of the contract. I called and requested a copy. I never received it. In addition there has been no activity on this account since XX/XX/XXXX ( per XXXX at Aargon ) and collection action has not commenced until XX/XX/XXXX. I am filing a complant because Aargon Agency has 1 ) violated Code of Civil Procedure 337. A which clearly states that in California debt collection has a statute of limitation of four years which this debt is over and 2 ) violated Fair Debt Collection Practices Act by not providing accurate and complete verification of the debt.

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