vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
I reported an issue with Ditech Financial LLC not refunding money they owed me from overpayment of my loan with it was paid off. The original complaint number was XXXX. They owe me {$1200.00}. They responded to the issue after several weeks claiming that they had issued me a refund on XX/XX/19 with the check number being XXXX. Your company closed the original complaint based on them saying they refunded me, which they didn't. I waited for two weeks but the check never came. I contacted them on XX/XX/19. They insisted they mailed me the check on XX/XX/19 which it is obvious this was a lie. I know they have my correct address because I have received several pieces of mail from them since I paid the loan off, just not my refund. I was told by the customer service representative that I spoke to that they could not help me until XX/XX/19, which would be a month and only if I did not receive the check, which I won't, because they never mailed it out to me. There are several similar complaints to your company on Ditech for the exact same issue I am having. Customers are told they mailed them a check and they never receive it, with Ditech claiming it must have been lost in the mail. I am requesting another complaint be opened up on this matter and Ditech be investigated for fraud. This company apparently is taking people 's money and no one, including this company is helping us, the consumer to do anything about it. Ditech has filed two chapter XXXX bankruptcies in the past 11 months and it seems like number three is on the way. I would greatly appreciate your help in getting this matter resolved and this company investigated for fraud.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.

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 2019-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Business Factors
State: NV

Complaint narrative:
I've been receiving constant calls from National Busness Factors from a woman named XXXX from XXXX to XX/XX/2019. I was making $ XXXX/mo payments on medical bills that she said totaled {$1200.00}. I asked to be sent a listing of them and she said she couldn't provide paperwork. When she couldn't reach me by phone, she would immediately called my husband at work. I asked multiple times that she NOT call my husband, but not only did she continue, she called him and threatened that even though the medical bills were mine, they could garnish his paycheck. She also told my husband she couldn't provide paperwork. She told my husband today (XX/XX/2019 ) that the bills totalled {$2700.00}. All I want is proof that the bills they have on my account are actually my bills, and what bills my payments have gone to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
Company : MOUNTAIN LAND COLLECTION # : XXXX XXXX XXXX XXXX XXXX, UT XXXX-XXXX ( XXXX ) XXXX-XXXX This is the debt information : Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$1400.00} DateUpdated:XX/XX/2019 Original Amount : {$1300.00} Original Creditor : XXXX-XXXX XXXX XXXX XXXX XXXX ( Medical/Health Care ) Past Due : > $ XXXX Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< BOTTOM LINE THIS DEBT IS NOT MINE THE COMPANY IS COMMITTING FRAUD, I NEVER INCURRED THIS DEBT~~~~~~ this debt is not mine, it belongs to my son who has a completely different social security number than I, however it was reported on my credit!!!!! At NO time did I agree to pay, sign or enter into an agreement to pay this company. The only thing I did was allow my son to use my debit card ( bank ) to make a payment to them. Then he turned around and paid me cash. How dare they use my information to apply this debt to MY CREDIT!!! My son played no part in this fraud they are trying to perpetrate! He called in with my debit card to make a payment. In no way did I agree to take responsibility for this debt, and my son called them to make payment arrangements with them. 
This is NOT my debt!!!!! 
I am mad as XXXX, bc it is damaging my credit rating!!!!!!!!!!! 
I disputed this with XXXX, they said that the account was verified as accurate, the only way that would be true is if the company lied and said the debt was mine and not my sons!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: OR

Complaint narrative:
I noticed that there is another collection agency- Waypoint Resource Group , on my credit reports for XXXX XXXX This alleged debt was paid to XXXX a long time ago when the 1st Collection Agency had this alleged debt which was XXXX XXXX. I contacted XXXX and they charged off this account in XX/XX/XXXX. I asked for this in writing and they stated that they could not give me anything but that I or anyone else can always call and they can give this same information over the phone.I have never been contacted by Waypoint Resource Group which they are required to per the FCRA and the FDCPA. The date they are reporting is completely falsified. They are reporting to the Credit Bureaus that this account was opened on XX/XX/XXXXwhich is not correct. This may be the date that they purchased this from a different Collection Agency which is also against the FDCPA, but this is not the date that the XXXX account was opened and the date that the XXXX account was closed/charged-off is the date that the statute of limitations goes off off. XXXX said the account was opened in XX/XX/XXXXand charged off in XX/XX/XXXXwhich is 7 years ago. The incorrect date Waypoint Resource Group is reporting is making it so they can keep reporting this if its within 7 years which is fraudulent and illegal activity. I have attached a screenshot from XXXX XXXX  which gets their information from the Credit Reporting Agencies, showing that Waypoint Resource Group is reporting an incorrect date and has just reported this same info on XX/XX/XXXXso they are continuing to report this when they shouldn't.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
My membership rewards account is currently " under review, '' and points redemption is currently frozen. I called several times to inquire and was told the following information : - The beginning of the review period was listed as XXXX/XXXX/2019. 
- I was initially told the review process takes AT MOST 6-8 weeks.

- I called after 8 weeks, and was told by a supervisor that the 6-8 week number was incorrect, but it is actually 6-10 weeks.

- I called after 10 weeks, and I was told by a supervisor that they can not provide me any information at this time.

It has now been more than 11 weeks since the review was  initiated on my account. I have been given no information as to when the review will be complete. I have earned more rewards points since the beginning of the review period that I can not access, in addition to the rewards I already had when the review began. This is an extremely unnecessarily long review period, and the fact that there is no end date provided is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.

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 2019-05-07 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: NC

Complaint narrative:
I entered into an agreement with XXXX XXXX XXXX for siding to be installed on XX/XX/2019. I cancelled the contract within the limit allowed by my state. I was approved by a finance company, approved through XXXX XXXX XXXX for the loan, to have siding installed, which I also cancelled. An inquiry appear in my credit report for a XXXX XXXX XXXX credit card on XX/XX/2019. I did not apply for the card nor gave permission to apply for the card on my behalf. This was done without my knowledge. I signed a document, that I can no longer access, that only gave XXXX XXXX XXXX permission to gain financing which was approved when application was submitted. The credit card had no baring on financing for the siding. I contacted the credit card issuer and told them that I wish to cancel the card and this was fraud. I have since destroyed the card. The issuer have not cancelled the card and is not reflected in my consumer credits reports. I reported this to all three credit reporting agencies and no fraud alert has been set and they have found that the inquiry and credit card were reported accurately. During the meeting with the salesman, there was no mention of a credit card. Due to a death, there was a delay calling the issuer. This should have no effect on my request to cancel the card.

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 2019-05-07 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: FL

Complaint narrative:
These accounts are fraudulent : XXXX XXXX {$180.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: MO

Complaint narrative:
I have tried routinely over the last several years to contact Transunion about my credit report having not changed since last updated in XX/XX/2015. I discovered just this weekend when working on paperwork for a home refinance, that Transunion had me listed as " deceased. '' The scores of times I tried to discover why my Transunion score had not updated or changed, and no one there bothered to look at my file. You would think that someone would have seen 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 non-monetary relief
Consumer complaint received 2019-05-07 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: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I applied for a Lowe 's consumer credit card on XX/XX/2019. I received a letter of denial for the reason of " number of recent credit requests ''. I am filing a complaint not on the denial of the credit card application but that my credit was pulled twice on XX/XX/2019 and XX/XX/2019. I have attached a copy of the credit report showing that Synchrony Bank/Lowes pulled my credit twice on separate days. 

Complaint against Synchrony Bank XXXX. XXXX XXXX XXXX FL 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 2019-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
CashApp has had my account frozen for 6 months, Ive emailed them 5 times and no response. I am unable to send or transfer the money I have on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
The collector called my place of employment and spoke to someone there that had the same name as myself. They disclosed they were calling in regards to a debt and where they were calling from. This is strictly prohibited by the fdcpa. My coworker told them I can not receive calls and work and to not call again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07 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: EQUIFAX, INC.
State: KY

Complaint narrative:
Equifax.

1. Wrong name on the report. Been trying to correct this same issue over many years.

2. Asked to REMOVE the fraud alert. Instead of removing it, their customer service ADDED it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: GA

Complaint narrative:
In a previous complaint, Case # XXXX, LexisNexis stated they had updated my file and sent me a resolution letter as well as an updated copy of my consumer file, satisfying their obligation under FCRA. 

However, in the letter they sent to you ( attached ), they stated they had ALREADY sent the file and letter to me. That letter to you was dated XX/XX/2019. 

In metro-XXXX area, a letter takes at most 2 days for delivery. They have my correct address listed on the letter to you. 

I believe LexisNexis is continuing to violate the FCRA unless you call them out on not doing what they said. I need that file for my records. 

Thank you for any and all help you may provide me. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
The collector called my place of employment and spoke to someone there that had the same name as myself. They disclosed they were calling in regards to a debt and where they were calling from. This is strictly prohibited by the fdcpa. My coworker told them I can not receive calls and work and to not call again.

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 2019-05-07 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: FL

Complaint narrative:
These accounts are fraudulent : XXXX XXXX {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These accounts are fraudulent : XXXX XXXX {$180.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07 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: AZ

Complaint narrative:
I have sent 4 letters to XXXX and TransUnion to remove some items off of my Credit Report. They have not provided Verifiable Proof ( an original consumer contact with my signature on it ). While some items have been removed not all, even though XXXX  has removed the rest of the items.

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 2019-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
My mortgage is held by Ocwen Loan Servicing. My monthly mortgage payment was {$1700.00} per month. That payment was fine.Over the past 2 years my family income has declined by about 20 %. It was getting harder and harder to make the payments. 
I requested a loan modification. on XX/XX/2019 Ocwen came back with a payment amount of {$1700.00}. I told them that a {$15.00} decrease in my payment was not going to help me.At the same time my house was damaged by weather. I received a check from the insurance company that needed to be endorsed by Ocwen. They received the check on XX/XX/2019. They still have not paid me any of that money to fix the house. The house is currently uninhabitable due to the weather damage. ( I filled a complaint with CFPB # XXXX ) to force them to give me the insurance money I need to fix the house so that I can move back in. After the modification for {$1700.00} and the fact that I am not able to live in the house I requested another trial modification. On XX/XX/2019 they came back with a new modification payment of {$1700.00}. So the bottom line is 1 ). my income dropped by 20 %. 2 ). After 2 modifications my payment INCREASED by {$7.00}. 3 ). I am unable to live in the house because Ocwen will not Give me the insurance money ( that I paid the premiums on ) to fix the house. I am currently at least 4 months behind on my mortgage as I am forced to pay for other means of housing for my family

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
CREDIT INQUIRIES REQUESTING CREDIT WITHOUT MY CONSENT WITH MULTIPLE DATES BEGINING XX/XX/16 FROM DIFFERENT CREDITORS

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 2019-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Remex, Inc.
State: NY

Complaint narrative:
REMEX IMC. XXXX AND REMEX IMC. XXXX Your company have violated FCRA 615 ( f  ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious REMEX IMC. XXXX AND REMEX IMC. XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation