vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Hello. 

In the year of XXXX my condo in questions had a massive flood that was not fully covered under my condo insurance. I had to spend several additional thousands of dollars to have the property repaired to become livable. The property had mold and we could not live in the property during the repairs. We have a XXXX XXXX XXXX at the time. Due to this we fell behind and could no longer keep up with payments on the loan. XXXX mortgage was contacted to try to do sell the property to no avail. 

In XXXX, my mother suffered a XXXX XXXXXXXX that almost took her life. Since the XXXX my mother was not able to XXXX, not able to move the XXXX XXXX of her body and XXXX XXXX. In XXXX of XXXX, I moved to Texas to assist in caring for her during her rehabilitation. 

In XXXX of XXXX, XXXX XXXX started the process of a forecloser of the property. Then in XXXX of XXXX, the condominuim associate purchased the property with no objections from XXXX XXXX and the property was sold to the condomium association and certificate of sale was executed on XX/XX/XXXX. XXXX XXXX lost the property, and then filed again a filed a Notice of XXXX XXXX to foreclose on the property that was already sold and owned by someone else. XXXX XXXX sat on this for over 8 years and theConsent of XXXX XXXX of Foreclosure was finally executed on XXXX of XXXX. 

This forecloser process took XXXX years to process, hindering me to a speedy trial. This has caused me to suffer more than a 7 year penalty of a regular forecloser to be able to recover and try to purchase another home. Now, I am being penalized XXXX years, 10 years more than other forecloser clients, and will have to wait until XXXX to attempt to purchase a home. 

XXXX XXXX dragged this out to an extent that was well beyond the normal processing time. It was a lack of duty on their part to get this completed in a timely manner and I should not be penalized for the lack of effort on this foreclosure. Not only did they not object to the sale of the property in XXXX to try to recoop some of their funds, they also added 10 years of a penalty on me. Their lackluster work efforts on this should be known and I should not be subject to more than double the alloted time foreclosures affect people. In their document they advise that they will sell the property at a public auction, but not sure how they can do so if they no longer own the property. I feel there maybe some inaccurate representations and documentation in their forecloser details with the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
I was with Nationstar XXXX Mr. Cooper before they sold my mortgage to XXXX. I applied for loan modification in XXXX with Mr. Cooper and never completed it or gave a decision. Just said it was with underwriters. XX/XX/XXXX they sold loan to XXXX, I called on XXXX to XXXX and they have none of the paperwork. So obviously I have to probably start all over again. I had forebearance and now Im so far behind. Though Ive been trying to get modification since XXXX. First they said I couldnt but because of Covid they said in XXXX to put in for modification. Yet they sat on it! I dont want to lose my home! I am too old!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: BHFC Financial Services INC
State: NV

Complaint narrative:
There have been multiple attempts to take action against the fraudulent accounts reported by the listed companies below. I have personally called and spoken with the companies to resolve this issue and no action has been taken. 

Please REMOVE all Unauthorized Accounts from my credit report : ACCOUNTS : -BHFC FINCL SRVS ( XXXX ) -XXXX  XXXX XXXX  ( XXXX ) -ORIGINAL CREDITOR ( XXXX ) THANK YOU FOR TAKING FORWARD ACTION ON THIS MATTER.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Omega RMS, LLC
State: CA

Complaint narrative:
At lest once a week they calling me at XXXX I tell them multiple time not to call me at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA
State: NY

Complaint narrative:
XXXX XXXX XXXX U S DEPT OF EDXXXX US Department of education is in violation of Title 15 1692 GB for failing to verify this alleged debt for this alleged collection account XXXX furthermore is Reporting false and inaccurate data on my credit report I sent a letter to the US Department of Education requesting the following information- 1. a copy of all promissory notes of all student loans that you service-related to me. 2. a copy of the promissory note for any and all student loans that you originated. 3. A copy of any assignments of the promissory notes for the related student loans. 4. Please advise me whether you are the loan originator, servicer, and/or debt collector for the loans. They received this request on XX/XX/2021. I am yet to receive a response U S DEPT OF ED/XXXX has failed to send me a copy of any assignments of the promissory notes for the related loans. U S DEPT OF EDXXXX has failed to inform me whether they were a servicer or a collection agency. I know for sure that the name US Department of EducationXXXX is furnishing this data on my credit report ( U S DEPT OF EDXXXX XXXX as a collection and is not the correct name of the Collection agency for this account. The Response I received from Direct loans is that this alleged debt is being collected by another debt collection agency with a different name number and address This means US DEPT OF EDXXXX is in violation of 15 U.S. Code 1692e.False or misleading representations by furnishing false information on my credit report. 


( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.

Additionally, I requested that you cease and desist all collection activity, including credit reporting.

That is, I requested that you delete any and all reporting made to any consumer reporting agencies.

You have failed to address my very specific legal requests and are in clear violation of the FDCPA.

Under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: Strategic Financial Solutions, LLC
State: NC

Complaint narrative:
I have reached out to the company regarding missing payments they have reported to the credit bureau. My account with peerform inc has been closed since XXXX and was opened XX/XX/XXXX. They have recently ( this month XX/XX/XXXX ) reported for missed payments and now my account status is showing as opened. Of course my score has decreased by 30 points. To my knowledge this is illegal. Their contact information is XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, New York, NY XXXX. Thank you

Company response to consumer: Untimely response
Consumer complaint received 2021-10-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
XX/XX/2021 Comenity Bank decreased my credit limit stating a derogatory real estate loan which is not true. Comenity Bank is using false information to credit wise with their algorithm to handicap individuals of XXXX. I called before to address an error when it stated my credit score was a XXXX. There was no support or assistance with this matter as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
After making a purchase and picking up my prescription on XX/XX/XXXX from XXXX in XXXX MD I apparently lost or my credit card was stolen. Later that day I received an email from Chase Fraud Alert Services asking if a purchase in the amount of {$250.00} from XXXX XXXX XXXX XXXX was a charge I recognize. I responded on their button " Something is Wrong ''. I sent the email. The card was cancelled immediately and I called the Fraud Alert hotline from chase Card Services as instructed. Three other charges prior to this email were made fraudulently on my credit card on XX/XX/XXXX the same day. 
1. XXXX XXXX XXXX {$410.00} 2. XXXX {$420.00} 3. XXXX {$440.00} I received a letter on XX/XX/XXXX from Chase noting they are adding these back as I benefited from these transactions. I called as the letter noted and appealed that decision. On XX/XX/XXXX Chase noted my appeal and denied it again. I have prepared an Affidavit and notarized the document that these are not my charges. I am a XXXX individual empty nested and certainly did not buy {$860.00} in groceries or XXXX for whatever was purchased. This has never happened to me before where I lost my card and had charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-19 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: T.S. Holdings
State: NV

Complaint narrative:
There have been multiple attempts to take action against the fraudulent accounts reported by the listed companies below. I have personally called and spoken with the companies to resolve this issue and no action has been taken. 

Please REMOVE all Unauthorized Accounts from my credit report : ACCOUNTS : XXXX XXXX XXXX ( XXXX ) -IQ DATA INTERNATIONAL ( XXXX ) -ORIGINAL CREDITOR ( XXXX ) THANK YOU FOR TAKING FORWARD ACTION ON THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Adjustments Inc
State: NY

Complaint narrative:
Credit adjustment inc has furnished this Alleged collection accountXXXX  Please be advised that I hereby dispute the validity of the alleged debt listed in its entirety. I request verification of the alleged debt. Specifically, I request the following items for verification : ( 1 ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( 2 ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( 3 ) evidence and an itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me.

( 4 ) Proof that this is an account as defined in Title 15 1693 A ( 2 ) the term account means a demand deposit, savings deposit, or other assetaccount.

( 5 ) Please send me a copy of any assignments of the promissory notes for the related student loans.

( 6 ) Please Send me a copy of the required written authorization received from me by the original creditor to provide a third party such as yourself with information on my behalf.

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 2021-10-19 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:
This is another of multiple complaints about thisxsane bank and sane problem. The issue is the bank refusing to pay authorized payments claiming WE did not authorize. Vendor receives XXXX XXXX XXXX XXXX. Payment not made we are then in arrears, credit score messed up causing severe impact, and vendor action repossess vehicle for non payment. The bank continues to blame vendor while doing absolutely nothing to work with or resolve the issue. They will NOT REPOSINF. In writing or letterhead because that would be an admission of their failure. As noted this has and is causing severe credit and financial impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: AES/PHEAA
State: NY

Complaint narrative:
Im XXXX I have 6-8 late payments that are on my credit report. I was on XXXX XXXX that year. I have called each credit bureau several times & submitted several disputes in regards to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I got Bitcoin as a birthday gift back in highschool, and hadn't touched the account since. All of a sudden I decided to get into crypto, but they said my account was locked due to fraud reasons, so I sent my license and bank statement to prove my identity, and then they said they couldnt help me or give my funds back. They refuse to re enable my account. Coinbase is just horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: FL

Complaint narrative:
I originally went to my XXXX XXXX, XXXX XXXX XXXX in XXXX XXXX. Florida on XX/XX/2021 to complete a wire to XXXX XXXX in XXXX. I was advised the wire will be available in two business days. I was asked to provide additional documentation on about the first of XX/XX/2021, which I did. I was later on told by a compliance rep in my Ctedit Union the following day that recipient bank XXXX in XXXX has the funds. It ended up not being true. Bank of New York apparently was a corresponding bank that sent the funds {$20000.00} to XXXX XXXX XXXX XXXX  and the funds were not delivered and kept by one of the banks, apparently XXXX XXXX XXXX XXXX  for no reason. I asked for the wire to be reversed because it was not delivered as I expected. My money is still being held for no reason. I received a communication from XXXX that it will take 10 to 12 business days. The issue is, why should any institution sit on my money, for no reason? Is it a fraudulent strategy to make money off the funds? This money is from my Home Equity Line of Credit and each day they held it cost me interest close to 3 percent. I paid for a wire transfer service. The service was not rendered within the promised time frame. My money is still being held for no reason. I need my money back with all the interest as soon as possible. No need for this stress. You bank can not collect on service they did not render.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland credit purchased an account I had with XXXX XXXX credit card. The account was fraudulent and not my account. The police were notified back in XXXX  and XXXX  XXXX sold my account to Midland Credit and now reporting negative and adverse information to XXXX XXXX, XXXX, and XXXX for an account that was not mine. They even went as far as filing a lawsuit without my knowledge and had a judgment on me. I was able to hire an attorney to have the judgment vacated, because the account was fraud, yet Midland credit still reports adverse information and is destroying my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: SC

Complaint narrative:
An Application for a credit card was made in my name and SSN on XXXX Application # XXXX it was denied. I made a police report to my local police XXXX County police Report # XXXX office XXXX XXXX XXXX. 
Sent a request to Discover card for a copy of the credit card application information. 
To obtain this information it was required to submit proof of my ID and a copy of the police report with a written request for the application. 
Upon receiving the information I attempted to follow up on IP Address : and addresses that were in the application. Called local XXXX county Police and spoke with Officer XXXX, she informed me to register my complaint with IC3.gov. since there has been interstate violations, which I completed.

Fraud alert has been posted on my account with all three reporting agencies. 
Received notification about another incident from XXXX XXXX  yesterday Ref. # XXXX. Called XXXX XXXX  the application was denied. 
I was told to be able to recieve a copy of the application with XXXX XXXX  I had to show proof that I have report these incidents to your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
On XX/XX/2021 Franklin Collection Agency of XXXX, XXXX reported to XXXX and XXXX credit bureaus that there was a balance of {$630.00} owed to them. Original creditor purported to be XXXX XXXX XXXX. I called their number ( XXXX ) XXXX appearing on website and was unable to speak with a representative due to their automated system. I left my information on their system following all prompts and instructions. This was done two weeks ago. The message said they would have a representative reach out to me but they have not contacted me in any way. I do not have an account with XXXX and have not had any services from XXXX for approximately 5 years. I have not been contacted by XXXX and have not been contacted by Franklin Collection Agency although they continue to report that I have a past due balance to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This account is fraudulent and not my account. The police were notified back in 2018 and JPMCB is reporting negative and adverse information to XXXX XXXX, XXXX, and XXXX for an account that was not mine. JPMCB finally discharged the fraudulent account yet still reports adverse information and is destroying my credit for a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is my third attempt trying to fix this problem with Capital One. On XX/XX/, I, XXXX XXXX completed an online application with Capital One for a credit card. Capital One never specified the reason they denied me of credit. Capital One base their decision off a credit score with companys XXXX, XXXX, and XXXX. 15 U.S. Code 1681- Congressional findings and statement of purpose 15 U.S. Code 1681 ( a ) ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. According to the Fair Credit Reporting Act Capital One included Congress law base on a decision expected to be used or collected in whole or in part which in law never disclosed being denied of credit. Capital One is using false and deceptive practices against I, XXXX XXXX the consumer! According to adverse action 15 U.S. Code 1681m you can only be denied for insurance and employment purposes only not credit. I, XXXX XXXX is the original creditor. Capital One also violated 15 U.S. Code 1681a ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; According to the Truth and Lending Act I, XXXX XXXX is the the creditor which only a natural person can be an creditor. Capital One denied me of credit which is impossible to do neither in Congress laws speak of being denied of credit.

Company response to consumer: Closed with explanation