vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Delbert Services
State: VA

Complaint narrative:
This company was formally " XXXX XXXX '' There was a settlement for XXXX according to the Virginia Attorney General 's office. Now they are operating under the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I have filed a previous complaint ( # XXXX ). They sent me a payment arrangement schedule.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My realtor representing the me, XXXX XXXX of a property financed through Ocwen. 
we both would like to file a complaint regarding the misinformation that was given to my client regarding doing a short sale for XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 

I the owner, was informed to submit Hardship package on XX/XX/2018, which she did. I then contacted regarding a Loan Modification, which I could not do due to my finances. On XX/XX/XXXX, I received a letter stating that since I would not be able to do a loan modification that I would be able to do a Short Sale. XXXX days later I received a letter stating that I could not do a short sale due to Foreclosure date ( XX/XX/2018 ). And I received from XXXX that the short sale documents that they received were denied. I shouldn't have received an email from XXXX, because I'm not an agent and no documents had not yet been submitted to the bank by my realtor. 

I was also informed that I could do the short sale and was never made aware that a foreclosure date was set for XX/XX/XXXX. I was also informed that she had to get the short sale documents by XX/XX/XXXX and they missed informed me on which documents to send in. This was all coming from the Relations Manager. We submitted an offer on XX/XX/XXXX and have been going through the process of doing a short sale. A BPO was even done. 

Up until this day, my realtor has been missed informed by XXXX overseas regarding amount to pay to stop foreclosure and finally was allowed to speak with someone in the US who gave my realtor the proper information regarding amount that was needed to stop foreclosures. My realtor was also able to understand her better.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My husband and I are attaching a copy of the investigation request we sent to XXXX back in XX/XX/2017. Despite several attempts to follow-up, we have yet to receive the results of our credit updates.

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 2018-04-02 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:
In reference to Complaint XXXX the response by TransUnion was not complete and the credit reporting agency is still breaking the Consumer Credit laws. My Method of Verification request sent on XX/XX/2018 has been ignored repeatedly. 

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to the business or third party vendor name and address of the furnisher of information contacted in connection with such information and the telephone number of such furnisher. 

TransUnion has yet to provide the information above as required by FCRA 611 TransUnion needs to provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. 

This is a very simple request and one that will reveal that TransUnion is violated FCRA and Privacy Laws. 

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original court documents all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.

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 2018-04-02 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Citi says I made payments on my account and they claim falsely I called and okay 'd the amount when I did not and they are lying and saying I owe things and that I did charges. I did not at XXXX etc. They are saying things that are a lie and they were told what was legitimate or not and they refuse to listen. They fail to care and could are less they were told about things from stores I never purchased and the card was lost and it was reported multiples times and they failed to ignore it and keep lying.They also still are harassing me and saying things that they know are lies and trying to threaten me into making payments on things that are not mine. I am tired of this they are a scam bank who does not care about their customers. I really want justice done on them if this is not resolved properly.I called into the fraud that it was lost and they fail to care and that I authorized it. I never got calls to authorize charges etc. So that is also a lie they must have called the wrong number and lied. I am not stupid I know when it is a lie. This involves my XXXX card and XXXX XXXX XXXX mastercard. So much for zero liability about fraud protection.

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 2018-04-02 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: STATE FARM BANK, FSB
State: FL

Complaint narrative:
I received notification from XXXX XXXX about a few new inquiries. To my knowledge I have not given any consent to no one to use my credit file without contacting me so Im puzzled to how the inquiries are listed on my credit report. This isnt factual records because I didnt give any consent to open up any new accounts. I am also sending this message and letter as an affidavit and I would like an internal dispute to take place for this matter immediately. The internal dispute shouldnt take no more than 72 hours after receiving the receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP
State: MO

Complaint narrative:
I filed chapter XXXX back in XX/XX/XXXX and was told by my attorney that i may have to hound our mortgage company about reporting to credit bureaus after a year has gone by, so in XX/XX/XXXX we called the mortgage company and asked them to start reporting and they said we need to send a request, which we did on XX/XX/XXXX, then a phone call from them days later about due payment we asked about our request and was told its company policy not to report as of XX/XX/XXXX a policy they have. We think its unfair to us, we are trying to rebuild our credit and them not reporting is holding us back, they said its looking out for their interest. We called out attorney today XX/XX/XXXX and asked him about it and said they cant be forced by him but we could hound them and possibly they would start reporting so we faxed another request to them today 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 non-monetary relief
Consumer complaint received 2018-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase bank said that they received a legal order to hold my fund since XX/XX/2018. They did not want to release any information about this legal order. I being trying to get any information about this because I need to know what is happen with my accounts. I being calling the XXXX option XXXX which is the Chase Court Orders and Levis and no one can give me any information than the I need to call back between 24 to 48 hours. 
Here is the list of my accounts placed in hold. 
Checking XXXX Checking XXXX Checking XXXX Saving XXXX Saving XXXX All the XXXX accounts are placed in hold and no received any notification or explanation about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
XXXX is reporting a HELOC incorrectly and outside of the 7-year statute of limitations from the XX/XX/2009 letter they sent me which is attached.

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 2018-04-02 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: Reliant Capital Solutions, LLC
State: NV

Complaint narrative:
In XX/XX/XXXX I consolidated my Student loans through the U.S. Dept. Of Education. I combined all my loans in to an Income Contingent Repayment loan. I have been paying these loans on time without issue since XX/XX/XXXX. Recently on XX/XX/XXXX I received a letter form Reliant Capital Solutions ( a collection agency on behalf of the U.S. Dept. of Education ) claiming that I had a student loan that was not paid and a balance of XXXX. 
I called the collection agency and explained that this could not be mine as I have been paying all my student loans without issue since XX/XX/XXXX and all my loans were consolidated in to an ICR loan in XX/XX/XXXX. I asked them to send me proof of the original debt and they said they would send the original promissory note with the original documents. 
On XX/XX/XXXX I received a packet from Reliant that had nothing to do with this outstanding balance they claim I owe. they sent me copies of my Loan consolidation paperwork from XX/XX/XXXX. So I called back and explained what they sent me. I told them that my ICR paperwork DOES NOT prove this alleged debt. So I asked again for proof of this alleged debt, they said this was all the paperwork they had from the US dept. of education. So I told them that if they can NOT provide proof this debt belongs to me they must cease all collection attempts and close this matter. again they said they would send me the proof. I have to date received NOTHING. 
So I called the US dept of education. they told me that this debt was from XX/XX/XXXX and they see that I went through them inXX/XX/XXXXto consolidate my loans, and they were aware of this loan in XX/XX/XXXX. and if I consolidated in XX/XX/XXXX it should have been a part of my consolidation. I explained that this is why I don't believe this loan is actually mine and I once again demanded they provide with original proof of this loan. 
they said they would. However as I have stated earlier I have not received anything from Reliant or the U.S. Dept. Of Education since. 
I sent a formal Dispute and demand letter by certified mail on XX/XX/XXXX. In that letter I stated again that I was disputing this loan and demanded original proof of this debt. I also requested a response within 30 days of receipt of the letter. It has been over 30 days and again Zero communication from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
I am at a stalemate with my mortgage service regarding insurance money that should be paid out to me. The Loss Claims Department at Dovenmuehle is demanding over and over again that I get additional information from my insurance company that my insurance company will not provide. I currently have sent and additional {$10000.00} ( XXXX checks for just over $ XXXX each ) for endorsement and deposit into my checking account. These checks were for work that has already been completed by a liscensed contractor and the work permit has been inspected and closed by XXXX XXXX XXXX Florida. I have paid the $ XXXX out of my pocket for the completed work already, I have asked for release of the funds and I just continue to go back and forth with the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: KY

Complaint narrative:
We have requested multiple times through XXXX XXXX, XXXX  and Bull Financial the validity of in item on my credit report without any proof or confirmation. We have disputed an item from Bull City Financial Solution # XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Phone # XXXX and have even called on a number of occasions and still no documented proof of this negative mark on my credit account. This item was place on my credit report on XX/XX/XXXX for {$110.00} and since then I have been denied credit ( s ) and has effected my right to credit etc. I have requested from all parties XXXX XXXX, Bull Financial, XXXX documented proof of such bill or to have it removed accordingly. I have stated that this bill is not mine as there was a XXXX XXXX residency issue where we received two bills as there were more than one resident showing on XXXX files for our legal address and then was corrected by XXXX XXXX but now it appears this issue/debt was passed onto us. As stated before we believe this is not our bill and have demanded/requested we see this bill / debt validity before paying from all parties with the account detail from the month we were in residency to the final month of residency to confirm this debt that we are disputing shows this valid amount and not just a rollover of this issue into our credit etc. Here are our contact listed : XXXX XXXX XXXX   XXXX ( spoke to XXXX ) File Number : XXXX and reported XX/XX/XXXX and again XX/XX/XXXX first dispute and second dispute closure. As a result XXXX XXXX states they can only confirm the accuracy if Bull FinanciaXXXX states it is valid and not actually verifying the actual debt. This does not make a debt valid by verifying only one side without actually verifying the debt as we are the ones disputing this item and have the right to see a debt as valid before paying. 

We also contacted XXXX XXXX XXXX and they stated they can not provide proof and must go through credit debtor Bull City Financial # XXXX for files confirmation. 

We contacted Bull City Financial XXXX ( spoke to XXXX with no resolution and no evidence of said bill disputing ) as he states can not provide proof of such debt and we have waited since XX/XX/XXXX to today XX/XX/XXXX and have to receive any confirmation of said debt or proof of its validity and refuse to pay this debt without this proof as out rights to pay a debt is being violated and forced to pay an unknown debt or have it remain a negative mark on my credit report. 

I am filing this report as none of the entities described above can provide proof nor remove from my credit report and attempting to bypass my right to confirm and pay or remove as an invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I opened a Citibank Credit Card a few weeks ago. I received a temporary card number and was able to make purchases. I then received the physical plate in the mail. I tried to activate it, but the security questions they require me to setup in order to complete activation would only allow answers without two consecutive letters, but all of my answers had two consecutive letters. So I tried to restart the process to see if new security questions would come up. Instead my card was locked out, and I was asked to call to activate the card. I called, and was immediately routed to Fraud. Fraud told me that to verify my identity, they would need to mail me a letter in 7-10 days. I told them that I can not wait 7-10 days for  activation, and they told me there is no other option. They can not even expedite the letter. So I then asked to close my account, so I can open a new credit card elsewhere. They refused and told me that they can not take further action until I receive the letter in the mail, and then at that time I will have to call them back to verify my identify. All I want is to close my account, and they kept refusing. I even offered to wire them payment to XXXX out the balance. I asked multiple times to escalate this matter to someone who can help, and they said that there is no one further to escalate this matter to. I worked at a major credit card company for many years, and I know that there are ways to escalate matters. But they just kept on refusing.

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 2018-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Consultants, Inc.
State: AL

Complaint narrative:
I just checked my credit reports and see this collection that reported on XX/XX/XXXX. I have recently been discharged from chp XXXX and all my accounts were included and on my credit report in the comments on this collection account it clearly states account in bankruptcy ... .I want it removed immediately it is false and the account was paid I was discharged from Chp. XXXX on XX/XX/XXXX and all my accounts were paid off and I need this account off my credit report within the next week ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: MN

Complaint narrative:
I'm getting XXXX out of {$140.00} by discover. 

I called discover customer service in late XX/XX/XXXX to clarify how to process a price protection with my card for a couple of TVs I wanted to purchase. I was told I would only need my receipts, a billing statement, and an advertisement for the lower price. Limit XXXX  per transaction and limit XXXX  per year. So this will work for me because I was going to make two separate transactions and submit two separate claims because one was a gift. 

After filling out the forms, waiting a month and seeing my " approved '' requested amount for {$320.00} x2 with their price protection view portal I received a check for {$320.00} & {$180.00} ... 

I called discovers customer service again who transferred me to a completely separate company who handles their benefits who now told me that there is also a limit of {$500.00} per day. 

I then ask where I can view the full terms of service as it wasnt on their website when you login, the only thing there is FAQ and another spot detailing the service but nothing about a XXXX per day limit. 

I asked the company if I could return the TV using the return protection that discover offers and they told me that I can't because I had already used price protection on the TV. 

I asked to speak to her supervisor because she keeps mentioning him, and asking him questions about my claim. She puts me on hold for a minute and comes back on and says I can do the return gaurentee but it has to be mailed back to them new in box. Then asked if there is anything else she can do like I didn't ask to speak to her supervisor. 

I never got my other XXXX  dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I applied to have my co-signer released after making 12+ on time monthly payments, building my credit history over the last year to XXXX and meeting all of the other requirements that Navient asked for. 

They declined my request to release my cosigner stating that my installment debt amounts are too high. Of course they're high, I went to a good, but expensive private school and can't pay off $ XXXX in debt in a blink of an eye. I've been making payments since 2011 and since most of the money I pay goes to interest, it's out of my control that the principal balance doesn't decrease at a fast rate. 

I have great credit history, made all my payments on time for more than a year and my credit history has proven that I'm very financially stable. They didn't take long to deny my request so that my mom can't be let go as a co-signer since they want as many people on the hook as possible. 

On top of so many other sketchy activies and predatory practices that this company has been involved with, this is just icing on the cake.

Company response to consumer: Closed with explanation