vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
In XXXX of XXXX I was approved to partake in a loan modification trial period through Ocwen due to financial hardship. I needed to complete 3 monthly payments of {$1000.00} which included XXXX, XXXX and XXXX of XXXX, which were my original payments. It seemed strange to have the same payments in a trial period but I did so anyway. I completed the payments and the only thing left to do was sign the promissory note and have it notarized. I submitted the notarized documents by the required XXXX XXXX XXXX deadline and it was returned as denied due to lack of completion. I called Ocwen to find out what the incomplete portion was and their verbal description was that my spouse also needed to sign it. In their words, " Due to the Colorado homestead act, my spouse must sign the promissory note for them to accept the modification ''. My spouse was never approved or obligated to be responsible for the original loan. I have spoken with an attorney, title company and other financial institution. that stated Colorado does not participate in the " Homestead act ''. They also advised my wife not to sign the documents because it appeared that Ocwen was not being ethical by stating her signature was required for the purpose of the " Homestead act ''. I called Ocwen again for clarification and my assigned account manager and his supervisor would not give additional information on the recorded line.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 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: HI

Complaint narrative:
I sent a letter to Applied Bank to dispute the information on all three of my credit reports asking for verification. It has now been over thirty days and I pulled my credit report I have not received a response from applied bank nor have they marked any of my reports disputed within the time frame per the fcra

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
Got call from quicken loans stating that they could redo my current loan on a condo I own which they currently service the loan. They tried to charge me an amount of XXXX in closing cost on a XXXX loan. I told them I had no interest in that loan but would like to check on a getting qualified for a loan for I was planning to sell my existing house which I owe XXXX and has value of XXXX. I also have three other houses with only loan on one which is with quicken loans. I asked quicken to see what I would qualify for on a new house. I gave no value for the new house. They pull credit with two scores over XXXX and one in the XXXX 's. I also supplied an account with over XXXX as well as tax returns. I was told my income was zero and I qualified for no loan. They did not bother to look at the returns to see what my income was. I was told I " have a lot going on ''. I feel they did not want to take the time to review my application. They accused me of fixing my W2 's and said that income could not be counted. My accountant called to confirm that it was correct. I easily got loan from XXXX bank with same information with no problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I opened a certificate of deposit account with XXXX on XXXX XXXX, XXXX. I purchased CDs in the amount of {$500000.00}. Funds were deposited into my account on XXXX XXXX, XXXX. I received confirmation of payment via email and paper mail. Upon my funds being deposited to my account I was disabled from accessing my account. I called XXXX and talked to one of their customer representatives and inquired about my account being XXXX, but to no avail. They then put me on the phone with someone from security who informed me that the bank that the funds were deposited from was an invalid account. I informed them that if that were true than how was a transaction of payment made. So by phone I asked to see a detailed transaction of the payment which he denied and that was the end of the conversation. I followed up the next day and got the same reaction. So after that I sent email after email just wanting to know why I could n't get a detailed transaction of payment. I got no answer. So I mailed them an audit of payment form which included the Electronic Transfer Act stating they had 10 business days to respond and show me a detailed transaction of payment. I got no answer. So that led me here. I exhausted all of my resources before contacting you guys.

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 2017-11-01 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: HI

Complaint narrative:
I sent a letter to XXXX XXXX to dispute the information on all three of my credit reports asking for verification. It has now been over thirty days and I pulled my credit report I have not received a response from XXXX XXXX nor have they marked any of my reports disputed within the time frame per the fcra

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 2017-11-01 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: HI

Complaint narrative:
I sent a letter to XXXX XXXX to dispute the information on all three of my credit reports asking for verification. It has now been over thirty days and I pulled my credit report I have not received a response from XXXX XXXX nor have they marked any of my reports disputed within the time frame per the fcra

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 2017-11-01 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
On XXXX/XXXX/XXXX I received a credit report from Experian and XXXX I seen an account from XXXX XXXX XXXX. I tried to reach the company per the address being reported on my credit reports via certified mail.. I noticed the address being different on both reports. Two days later I received both letters back being undeliverable Per the fcra they are reporting false 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 2017-11-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
After numerous submissions for modification and making payments to Wells Fargo after having to file a chapter XXXX  reorganization bankruptcy in hopes of getting some type of help to save my home they refuse to work with me. They took a few payments but would not offer me any loss mitigation help. 
My family and I have worked and saved a large sum of money in hopes of some type of workout but they refuse to help us. We ask for the reinstatement figures but each time we think we have the amount needed the figures come back much higher than the last figures we just received 30 days go. 

The auction again if for XXXX XXXX, XXXX. We tried to find the Invest XXXX, XXXX according to Wells Fargo it is up to the investor Wells Fargo is a part of 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 2017-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
On XXXX/XXXX/XXXX I received a credit report from XXXX and Equifax I seen an account from XXXX XXXX XXXX. I tried to reach the company per the address being reported on my credit reports via certified mail.. I noticed the address being different on both reports. Two days later I received both letters back being undeliverable Per the fcra they are reporting false information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have written Experian on two separate occasions requesting them to send me physical proof -- signed contract with my signature on it pursuant FCRA section XXXX, to verify that tbe negative items listed on my credit file are indeed mine. Despite TWO written request, Experian has yet to send me proof, has also stated they will not look at my file again, and the negative information remains on my credit file. I did not send in a dispute, I sent in a request to them exercising my right as a consumer pursuant FCRA for them to disclose this information. Experian has been negligent and non compliant which is violating the law and my rights as a consumer. It has been two months and the negative items remain on my credit file without any physical verification, which is in violation of federal law, and which derms Experian as negligent and non-compliant. Experian feels they are above the law and are not complying with the law which is very clear

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 2017-11-01 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: Navient Solutions, LLC.
State: OR

Complaint narrative:
Several weeks ago, I initiated a loan consolidation through XXXX for all of my student loans managed by Navient. Doing so, would lower my overall interest rate for each student loan. On XXXX XXXX ( XXXX XXXX, I received a confirmation from XXXX that the monies had been sent to my previous lender : Navient. Monday, XXXX XXXX ( XXXX ), I set up auto-payment with my new provider to take advantage of an additional ( XXXX ) discount on my new interest rate. Also, on XXXX XXXX ( XXXX ), I received an outstanding payment notification from Navient. I was surprised by this because I was expecting that all of my monies would have bee processed and my accounts closed with Navient. 

So, I decided to call Navient and learn what was holding the consolidation monies from paying off my account. In my conversation with a representative, I learned that Navient rejected the consolidation payment. When asked, " why? '' I was told that my account had a comments stating that I requested for the consolidation payment to be cancelled. When I pushed for more details from the representative about who could have made such a decision on my account, and when that communication was made, the representative offered to put my account in Forbearance to bring my account up-to-date and to escalate the issue to ensure that the consolidation monies are reactivated and processed. I am reporting this issue because I doubt that anyone instructed Navient to cancel my loan consolidation payment. Moreover, the representative 's handling of the situation allowed them to use this situation as a reason to change the current terms of my loan under the guise of doing me a favor. This will end up costing more money as a end result, because forbearance allows interest to accrue daily, which is more than 1 XXXX the existing payment plan that I already had with Navient and 2 ) the new plan initiated with XXXX. 

After speaking with the Navient team, I contacted XXXX to see if they had received any communications from Navient w/r/t cancelling my student loan consolidation payment. They confirmed that their offices had not received any notifications of such a change. 

I would like the CFPB to look into this matter because there seems to be no room for recourse should Navient choose to further delay my loan consolidation payment from XXXX. Furthermore, it would put me in a situation where I am obligated to pay two loan companies for the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
I applied for an apartment in XXXX, TX. I was denied because of information appearing on the report that they provided to the apartment. First Advantage is reporting information that is not only inaccurate but is also damaging my credit to potential landlords. They are reporting numerous housing debts and evictions to which I have provided court documents stating that I have been a victim of identity theft. They still are refusing to remove XXXX Apts from my consumer file even with the proof that they asked that I submit to them. I am at jeopardy of not only losing out on money but also losing out on a place to stay. They are intentionally refusing to remove the negative items even after the information that they requested was provided. They are also violating my consumer rights under FCRA. They are refusing to remove all information relating to housing debts and evictions that are not belonging to me. I even had to file an Affidavit of Identity theft with the federal government to which was also submitted to them on my behalf. I have emailed First Advantage and I have also contacted them by phone. They have refused to respond to my inquiries and my request. 

***Please note that I provided the criteria to clear the record that First Advantage provided to XXXX at XXXX XXXX. By their own admission from the document they provided to the potential landlord. In order to remove such record from my consumer file, they had to be provided with a letter from the court stating that the eviction was dismissed, vacated or set aside. Clearly from the document I provided, the judgment was release and eviction suit was dismissed. 

I have also attached the court document itself. Now they need to remove this record from my consumer file. They are clearly in violation of their own policy and written word and in violation of my consumer rights under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 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: TX

Complaint narrative:
The CRA reporting agency continues to report this debt incorrectly. I do n't believe they are actually investigating this debt. 

I filed a CFPB compliant against XXXX who is showing as the creditor for XXXX XXXX XXXX. Per compliant number XXXX, XXXX advised they do not show any account in my name with them. Yet, this continues to report on my credit report. 

In addition, XXXX XXXX XXXX does have a surety bond, which is required under the Texas Finance Code ( Texas Surety bond information as required by Sec. 392.101. ). They have yet to produce that they are actually licensed and/or legally able to collect in the state of Texas. This is a violation of the Texas Finance Code and a violation of my right as a resident of the state of Texas. 

FCRA section 609 states, Credit Reporting Agencies ( Credit Bureaus ) must provide a copy of the verifiable original creditor documentation. Equifax nor this company has ever provided proof of my original application. They provide insufficient documents which I did not request nor satisfies this request of the FCRA code. Page 7 ( 2 ) Verification ( B ) of the information in the consumer 's application for the credit or insurance, to  determine that the consumer meets the specific criteria bearing on credit worthiness or insurability. No one has provided me a copy of the original application to report this debt or even validate it. Equifax continues to state it has been verified. Yet, how can they verify something they themselves do not have in their file for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NM

Complaint narrative:
ERC is attempting to collect for XXXX XXXX. This debt is a result of window shopping for cellular service. XXXX XXXX acquired and ran a credit check. But after some thought service was not acquired. XXXX XXXX has charged me for services that were never used or activated. ERC may do some research see that XXXX XXXX falsely charged me. XXXX XXXX has been contacted but never responded to my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Over the last hour I attempted 5 times to put a freeze on my credit at Experian.com, each time after putting in my credit card information I was directed to a page saying " Your session has expired. Please return to the Registration page to add a security freeze to your report ''. My typing speed is over 100wpm so this is not an issue with timing out. Cookies are fully enabled, etc. 
This entire ordeal is frustrating enough, nor should we have to pay to disable these, but to have functionality disabled and time being additionally wasted like this is infuriating.

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 2017-11-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The CRA reporting agency continues to report this debt incorrectly. I do n't believe they are actually investigating this debt. 

I filed a CFPB compliant against XXXX who is showing as the creditor for XXXX XXXX XXXX. Per compliant number XXXX, XXXX advised they do not show any account in my name with them. Yet, this continues to report on my credit report. 

In addition, XXXX XXXX XXXX does have a surety bond, which is required under the Texas Finance Code ( Texas Surety bond information as required by Sec. 392.101. ). They have yet to produce that they are actually licensed and/or legally able to collect in the state of Texas. This is a violation of the Texas Finance Code and a violation of my right as a resident of the state of Texas. 

FCRA section 609 states, Credit Reporting Agencies ( Credit Bureaus ) must provide a copy of the verifiable original creditor documentation. Experian nor this company has ever provided proof of my original application. They provide insufficient documents which I did not request nor satisfies this request of the FCRA code. Page 7 ( 2 ) Verification ( B ) of the information in the consumer 's application for the credit or insurance, to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability. No one has provided me a copy of the original application to report this debt or even validate it. Experian continues to state it has been verified. Yet, how can they verify something they themselves do not have in their file for me.

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 2017-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
RS Clark and Associates are erroneously attempting to collect an inaccurate charge for services rendered by XXXX XXXX. RS Clark and Associates are attempting to collect a debt on {$110.00}. The amount they are attempting to collect fails to include the credit balance that is evidence on the statement showing {$19.00} that RS Clark and Associates forwarded to me in attempt to validate the debt. RS Clark and Associates also have failed to include the amounts that I have been sending to XXXX XXXX all along as payment on the debt. They are reporting every month to the 3 credit bureaus that I continuously owe XXXX when I do not. I have attempted to dispute this account to no avail. 

RS Clark has erroneously reported that I became delinquent and has re-aged my default date by one ( 1 ) year in half and has failed to update all of the payments sent to XXXX XXXX. Re-aging of default date ( s ) is a common tactic debt collectors use in order to make it appear as if they can continue to collect on a debt legally

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NM

Complaint narrative:
XXXX is attempting to collect a debt for XXXX. This debt is not mine and being reported as a derogatory mark on my credit report. XXXX is currently still sending me catalogs stating I have been approved for credit. I do n't understand why they would do this if they say I owe them money.

Company response to consumer: Closed with non-monetary relief