vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NH

Complaint narrative:
This is the second time contacting CFPB this year about Ocwen. The first time Ocwen agreed to put the mortgage in my name only as long as I had the paperwork notarized which I did immediately. I called the second week in XXXX and did not receive the relationship manager I was given but was passed onto another. I believe his name was XXXX. I asked him if my paperwork was received and he said yes. I then told him I didn't see where it said a dollar amount I needed to send in or where I send it to. He told me they wouldn't need the money they just needed to get the final approval on the paperwork. Said call back in a couple weeks. A couple weeks went by and I called again. They said that it was still going through the process and should be done soon. I called every two to three weeks checking on this and each time receiving a different relationship manager. Meanwhile they would not take my mortgage payments. Two weeks ago and I called again livid! The women I spoke with told me that all I had to do was send them {$2800.00} and they'd approve it. What?!! I've been wanting to pay three months ago and now they tell me once again if I send them money they will approve it! 
I honestly do not know how this mortgage company is allowed to continue the fraudulent business they have! Every single day I'm stressed to the max wondering if today is going to be the day my house goes up for foreclosure! I on top of all this have received a notice that I will be getting a temporary trial period payments ( Nothing I've seen yet ) and a lawyer that is saying that my house is going to be foreclosed on if I don't pay the full {$64000.00}! Btw before all this modification bs, I only owed {$49000.00}. So I have no idea what the truth is, where I'm suppose to turn and again, how this bank can continue to do this to their customers!! I hope once and for all this gets resolved and Ocwen is made to stop playing with peoples lives. As you can see from these documents, this is what I'm dealing with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: FL

Complaint narrative:
I currently have federal student loans from XXXX XXXX serviced by XXXX. I'm doing PSLF and have my loans in IBR. Each year I submit income verification form and did so this year. Prior years my payments were lower due to lower income, and this year my payment increased to the 10yr repayment as income was high. I received a letter dated XX/XX/2018 from XXXX. 

" -- We received your documentation for your annual recertification but determined that you do not have a partial financial hardship ; therefore, your new payment amount is not based on your income and family size. Your loans will remain on the Income-Based Repayment ( IBR ) plan but your payment amount changed to XXXX. -- '' And then I discovered that on XX/XX/2018 {$20000.00} of interest was capitalized. This raised my loan balance from $ XXXX to $ XXXX. 

I called XXXX on XX/XX/2018 to find out about why interest was capitalized. I was initially told that it is because I didn't submit my re-certification. I told them that I did ( it even says so in their letter ).  They then told me that there are 2 types of IBR plans, and I was in the one that had financial hardship and now I'm in the one that doesn't. And because of this change they triggered an interest capitalization. 

I went on studentaid.ed.gov and there was no mention of the situation I encountered. There was mention that if you don't re-certify income the interest does get capitalized. But I did re-certify my income. 

Please help me remove this interest capitalization. 
I do not see this as appropriate. It was either a mistake, or a deceptive practice. I'm in IBR plan, my income has increased so I'm paying more while under the IBR plan and they capitalize my interest. This makes my total repayment even higher. 

I would greatly appreciate your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Looked at my credit report today XXXX-2018 noticed a collection from I C System appeared, it states a debt from XXXX XXXX XXXX XXXX XXXX XXXX I spoke to someone previously about a week in a half ago because the letter was dated XXXX-2018 and it was delivered upon the time I called a week in a half ago, I told the rep the problem that apparently the company is sending mail to the address where the account was created and the mail was forwarded to the address I currently live, I stated I have no knowledge of the situation the representative stated the company would look into the situation further and put it in dispute status and validation would be sent, it was never stated upon the company after the conversation that within a week look for it to appear on your credit reports I called today spoke to Employee # XXXX name XXXX XXXX not sure if this is accurate but this is what he stated his name was and absolutely no help he pretty much was blunt about me paying and no validation was needed, not sure if this is the practice but it was absolutely not right to feel this way for something I have no knowledge about. All I ask the company is to remove the information from all my credit reports until the investigation is done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
There are actually a FEW problems with the debt collectors XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 1 ) They are misrepresenting themselves. XXXX has been reporting to the 3 major credit bureaus, but all of a sudden, around XX/XX/2018, I get a letter from a XXXX XXXX XXXX XXXX , XXXX ( XXXX ) The letter is misleading and appears as though XXXX  are the NEW holders of the debt ; however, XXXX continues to report on my reports months later! 2 ) Alongside the previous, they are essentially trying to collect the debt from two companies ( and I have proof of this ). They are two separate companies with two separate addresses, yet one is reporting to the bureaus ( with their own address, mind you ) and the other decides to randomly pop up with a letter and I'm sitting there like 'who is this? '. In fact, I never signed a contractual agreement with EITHER company. 3 ) I did not receive ANY verification of the debt 's validity after I disputed thru the bureaus and directly with them both. Lastly, 4 ) after disputing with both companies directly, I NEVER HEARD FROM EITHER COMPANY. They didn't respond to me and they did not provide verifiable proof of the account 's validity ; this is/was to be an original consumer contract bearing my signature. They violated the FCRA and FDCPA by dismissing my debt validation letters, as well as the disputes from the credit bureaus -- the bureaus also being complicit in this -- and CONTINUE to do so by still reporting this unverified, invalidated account. I wrote directly to both XXXX and XXXX and I clearly state in my letters, " If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX XXXX and XXXX   } request shall be sent to me immediately. '' The letter was dated XX/XX/2018 ; it is now XX/XX/2018. Under the FCRA, they are required to delete the false account. I have attached copies of the letters to them, as well as a screenshot of their account on XXXX ( just in particular ) and a copy of the third letter to XXXX ( redacted ), showing what I sent them and the other bureaus -- and essentially how despite this, they continued to allow this unverified account to remain on my credit report. ( All the bureaus did, and I am outraged at this. )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
To whom it may concern, I reported an unauthorized charge on my Capital One account with the amount of {$450.00}, {$3000.00}, {$2000.00} a couple of months ago. They have denied my claim due to their investigation there was no fraudulent activity and I was to be responsible for all the charges which I think is very unreasonable on my end. I feel like I am being accused of doing some kind of fraudulent activity on my own account base on their investigation. When I was talking to the person in charge of my claim at the time they were saying that all of the evidence match everything about me from name, address, shipping etc. Then they sent me a report through mail with detail evidence. On their report indicates that shipping address matched but on the tracking information did not match because I live in XXXX and the delivery address was in XXXX. This tells me that their investigation was not very accurate and due to that they are making me responsible for the charges I did not make. I will attach the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: Clarity Services
State: PA

Complaint narrative:
Clarity Services Inc appears on my credit file as a XXXX XXXX XXXX XXXX  in which I did not apply for. I'm not trying to hear the XXXX about XXXX owns or merge or what ever lie Clarity Services is running. Now its XXXX XXXX XXXX all it is a scam by XXXX as well as Clarity Services Inc. I did not apply or request no loan from XXXX XXXX XXXX XXXX. I'm also filing a complaint with the Attorney General. I opt out with XXXX in XXXX XXXX XXXX for no marketing or offers as for my opt out is violated. 
Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2018 I noticed that a large check from a holder of some other Chase account had been incorrectly posted to my checking account, causing my account to overdraw. I notified Chase that day that 1 ) there was a misposting, and 2 ) that there was a resulting overdraft fee, and that both needed to be corrected. The misposting was corrected promptly, with a deposit back into my account. The overdraft fee, however, remained until I reached out again many days later. 

When the insufficient fee refund was posted on XX/XX/XXXX, I was informed by Chase that I was being provided a " courtesy refund ''. I sent a secure correspondence to Chase clarifying that this was not a " courtesy refund '' but a correction of bank error. My interest was not semantic : I was not concerned what it was called or how it appeared on my online account read-out ; I wanted assurance that my bank record ( and by extension, my credit report ) did not reflect that I personally had overdrawn my account. 

Today, XX/XX/XXXX, I received a call from Chase informing me that despite the fact that there were TWO bank errors ( the initial misposting of the check, and the subsequent internal " mis-coding '' of the refund as a " courtesy '' ) the " system did not allow us '' to indicate in the bank records that I did not overdraw my account. When I asked what remedy existed for me, I was informed that unfortunately there was not one, but that I could " wait 12 months '' for the blight to clear from my record. 

All I seek is a statement from Chase that my official banking record does not indicate that I overdrew my account. It strains credulity that that their system " can not '' correct such errors. Rather, they just seem unwilling to be inconvenienced to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: ENOVA INTERNATIONAL, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX has 2 payday loans on my credit file with XXXX  as they stated in a letter there XXXX  now or the same company. I have not applied for no on line loan with CNU or any other on line company or any pay day loan. CNU On line holdings is no more than fraud. I have file an complaint with the US attorney office as the justice department on XXXX  & XXXX XXXX XXXX for and by I'm on OPT out and XXXX is using a another company to use deception with merges etc.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: NC

Complaint narrative:
XX/XX/2018 I paid {$200.00} to XXXX as a settlement payment and they still will not remove the item from my credit report. XXXX XXXX XXXX. Handled the debit for them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: HI

Complaint narrative:
XXXX XXXX has tagged me with a phantom account and reported it to TransUnion, XXXX and XXXX. I've sent each of the credit bureaus a certified letter asking them to validate this account ownership with XXXX XXXX and they have not! I also asked for the procedure used to determine the accurancy and completeness of the information for this phantom account. 

I'm having low credit rating with TransUnion, XXXX, because of this phantom account that is reported closed on XX/XX/XXXX yet it's reporting a late payment on XX/XX/XXXX and a Charge Off 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
Consumer complaint received 2018-08-30 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: NC

Complaint narrative:
The credit bureau refused to provide me their Method Of Verification listed for accounts listed on my credit report. According to the FCRA 611 ( a ) ( 6 ) ( iii ) which states " if requested by a consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available ''. FCRA ( a ) ( 7 ), which is used for such a request, states : '' A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. On or about XX/XX/2018,. I requested the Method of Verification via return receipt certified mail. Equifax refused to provide me with their Method of Verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: Clarity Services
State: PA

Complaint narrative:
Clarity Services Inc has XXXX payday loans on my credit file with XXXX  as they stated in a letter there XXXX now or the same company. I have not applied for no on line loan with XXXX or any other on line company or any pay day loan. XXXX On line holdings is no more than fraud. I have file an complaint with the US attorney office as the justice department on XXXX  & Clarity Services Inc for and by I'm on OPT out and XXXX  is using a another company to use deception with merges etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX has XXXX payday loans on my credit file with Experian as they stated in a letter there Experian now or the same company. I have not applied for no on line loan with XXXX or any other on line company or any pay day loan. XXXX XXXX XXXX XXXX is no more than fraud. I have file an complaint with the US attorney office as the justice department on Experian & XXXX XXXX XXXX for and by I'm on OPT out and Experian is using a another company to use deception with merges etc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Data Systems
State: NC

Complaint narrative:
I submitted a complaint against Financial Data Systems on XX/XX/XXXX addressing the companys direct violation of federal & state laws by failing to include their NC license permit number ( XXXX ) on the stationery/correspondence form ( copy attached ), as well as the company 's TRUE address ( not a PO Box ). This is a direct violation of North Carolina Department of Insurance General Statures ; 58 70 50. All collection agencies to identify themselves in correspondence. All collection agencies licensed under this Part to do the business of a collection agency in this State, shall in all correspondence with debtors use stationery or forms which contain the permit number and the true name and address of such collection agency. The permit to engage in the business of a collection agency shall at all times be prominently displayed in each office of the person, firm, corporation or association to whom or to which the permit is issued. ( 1931, c. 217, s. 9 ; 1969, c. 906, s. 5 ; 1979, c. 835. ) Financial Data Systems is illegally attempting to collect a debt in a state that they are violating the NC Department of Insurance General Statures & failing to abide by the Fair Credit Reporting Act. 
Financial Data Systems response to my formal complaint on XX/XX/XXXX was as follows : We have verified these accounts a number of times. We have also responded to the NC Department of Justice in regards to these accounts. Our clients have provided information to him. We have had these accounts since XXXX and XXXX. I have contacted each client again in regards to the accounts. We notified XXXX XXXX that XXXX XXXX XXXX is allowing us to cancel that account out. Which we have done and have sent information to the Credit Bureaus for it to be deleted. XXXX XXXX is responsible to pay the other accounts. 
Financial Data Systems did not even address the issue of my complaint, nor was their response related or relevant to the complaint at hand. 
The company continues to willfully remain non complaint with North Carolina  Department of Insurance General Statures.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
I made a terrible mistake and borrowed private student loans 3 different times in XX/XX/2006. I believe I borrowed XXXX now XXXX XXXX XXXX  owns the loans and they have me owing XXXX. The rate was a balloon rate. I tried paying them what I could but the balance kept going up each month. Now they sued me and placed garnishment against me. They are impossible to deal with. I dont feel I owe them this much money and they have not provided a detail print out of y it is this much.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
On XX/XX/2018 I paid {$70.00} in full to have a item removed from my credit report. They did not tell me over the phone that if I paid the account the Item would still remain on 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 2018-08-30 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: Clarity Services
State: PA

Complaint narrative:
XXXX XXXX  on behalf of Clarity Services appears on my credit file as a pay day loan company in which I have not applied or requested no loan on loan. It seems to be some scam going on with XXXX   and Clarity Services to get people to do on line pay day loans. I'm filing a complaint with the US Attorney as well as the UD Justice Department on Clarity and XXXX and XXXX XXXX. There seems to be a pattern with Clarity Services on my credit report I'm opt out for promotional or marketing on my credit file. XXXX  seems to be violating my OPT out rights. I'm not trying to her no XXXX about this and that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
Company continuously reports fraudulent charges on my credit report for a property that I never lived at and is a result of identity theft.

Company response to consumer: Closed with explanation