vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MS

Complaint narrative:
My wife and I have been involved in a suit against Ocwen for the third time, along with an illegal foreclosure, they have also, been crediting our account late in nearly every instance up to over 30 days late, never receiving a statement as to how they posted the checks, and playing with the numbers on our escrow. We continued to pay on the mortgage until they returned our check and would not accept any payments till the shortage was satisfied. The payments were in excess of what Ocwen originally set at the previous closing which we knew was not enough to fulfill the escrow requirements. Ocwen also would n't let us make payments on line, so when we discovered the payments going out of our checking late, we started sending them certified return receipt. Both first and second mortgage payments were mailed together. The list goes on and on! We are hoping that you can intervene and assist our attorney in settling this matter which has thus far cost us in way excess of {$30000.00}. They have kept us completely in the dark as to our mortgage, and has kept our property in hawk for the last 9 years. We have had mortgages all our life and have never been treated like this! We currently have a lawyer trying to settle this, but it seems like it just keeps going on and on. 
Note that our attorney has a telephone conference with them and a Judge to resolve this however they are not offering nearly enough in compensation, and we have applied for a new mortgage in order to rid ourselves of dealing with OCWEN. The time line is very close the telephone conference is on the XX/XX/XXXX and the bank is waiting on the finial appraisal. 
XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ATG Credit, LLC
State: AL

Complaint narrative:
On XX/XX/XXXX, I applied for a vehicle loan and was denied due to information on all 3 credit bureau reports which reflected I owed {$3000.00} to a " XXXX XXXX ''. I immediately contacted the company who indicated this was a student loan. I informed them I never applied or received any funds from a student loan. I filed a report with the Federal Trade Commission. XXXX XXXX then begin reporting the account under : ATG Credit LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX. When I contacted the Company and requested a copy of all documents relative to this debt specifically signed loaned documents, cancelled check stub or related bank account funds were sent to, the agent hung up. This is ID theft. I never applied for or received any funds from XXXXXXXX XXXX or ATG. I did not received my drivers license until XX/XX/XXXX. I would appreciated your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is reporting a closed account as open. The account is a old account and should be removed. 
XXXX charged off this account back in XXXX XXXX XXXX and is reaging this account to show a negative account on my Equifax, XXXX reports. Every month they 're aging the account to show a current delinquency on a charged off account. The amount charged off was {$19000.00}. I have tried to resolve this matter numerous times with XXXX to report this properly by removing this account. XXXX continues to inaccurately report data on a charged off closed account by reaging it. This is a violation under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX is reporting a closed account as open. The account is a old account and should be removed. 
XXXX charged off this account back in XXXX XXXX 2015 and is reaging this account to show a negative account on my XXXX, Experian reports. Every month they 're aging the account to show a current delinquency on a charged off account. The amount charged off was {$19000.00}. I have tried to resolve this matter numerous times with XXXX to report this properly by removing this account. XXXX continues to inaccurately report data on a charged off closed account by reaging it. This is a violation under 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 2017-09-27 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: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
Chase Bank has submitted 3 hard inquires to my my Credit Report, I have never applied for a Chase Bank credit card or loan. 

Chase Card Inquiry from XX/XX/XXXX Bank Chase Card Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank Chase Card XXXX, DE XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Express Recovery Services, Inc.
State: MD

Complaint narrative:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Green & Sons Agency, Inc.
State: MD

Complaint narrative:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I was told by Equifax that my information may have been " compromised ''. 
I signed up for their identity protection service offered free. I can not obtain access to my account so that I can freeze my credit file. Also I have not been able to obtain access to other credit companies so that I can freeze my file with them. I receive the message " try again later ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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: NJ

Complaint narrative:
Paid off XXXX XXXX XXXX in XX/XX/XXXX in full on 2 accounts. See upload XXXX XXXX of {$1300.00} and {$280.00} which include interest and fees. 
Now what I AM DISPUTING FOR THE 10th time is that it shows up to potential CREDITORS as DEROGATORY!!! 
And it should be reported asXX/XX/XXXX when it was paid off back on XX/XX/XXXX Do SOMETHING ABOUT IT FINALLY!! 

Call XXXX XXXX XXXX and they will verify! 

Thank You! 

XXXX XXXX XXXX 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 2017-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Upon checking my personal credit report, I noticed several unauthorized inquires had been made. I have disputed these inquires with you directly several times, with the most recent investigation resulting in you returning all these back as valid, less than 24 hours later, which indicates you did not due your diligence to thoroughly investigate my concerns. After having an Extended Fraud Alert on my credit file DURING THE TIME OF THESE INQUIRES which has now been converted to a Credit Freeze due to a recent theft in my personal information, I am requesting all the inaccurate information be deleted immediately. Furthermore, I sent a CERTIFIED LETTER w/RETURN RECEIPT regarding this and still have the inquires on my report. In light of the recent hacking of XXXX ( and the high possibility of my personal information being released ) in addition to the above information, I immediately request you delete ALL the inquires in the past 24 months from my report and BLOCK any future request for my file.

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 2017-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP
State: NY

Complaint narrative:
This is regarding My business account with KEY BANK XX/XX/XXXX received a letter stating they will close my account beginning from XX/XX/XXXXand totally by XX/XX/XXXX- they gave me a reason of closing account of " the reason for closure is that your account relationship poses excessive risk to the bank. '' My background is from XXXXXXXX XXXX. I have tried to talk to the compliance department and giving all of my paperwork that they need to leave account open. When i go to the branch and make deposits I get that notion that they do n't want me there, and one day when i was at the branch I heard in the back someone said they do n't need my kind there. Now i could of return to them and said stuff back at them out of anger. But i left and that 's when i have gotten the letter in the mail of account closure. That is clearly against my right. to have been treated like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have hard inquiries on my credit report that I did not authorize. I have tried to contact equifax on several attempts to remove these inquires and I have been receiving the run arounds. Hard inquiries such as XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX (XX/XX/XXXX ), XXXX XXXX XXXX (XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX), XXXX XXXX XXXX (XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX (XX/XX/XXXX), XXXX XXXX (XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX (XX/XX/XXXX), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ). Fraud alert has been place on my credit report. XXXX XXXX XXXX and XXXXt ( coincidentally from the same bank ) accounts played part of identity theft.l and should be taken off my credit report. These inquires were not authorized and need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Upon checking my personal credit report, I noticed several unauthorized inquires had been made. I have disputed these inquires with you directly several times, with the most recent investigation resulting in you returning all these back as valid, less than 24 hours later, which indicates you did not due your diligence to thoroughly investigate my concerns. After having an Extended Fraud Alert on my credit file DURING THE TIME OF THESE INQUIRES which has now been converted to a Credit Freeze due to a recent theft in my personal information, I am requesting all the inaccurate information be deleted immediately. Furthermore, I sent a CERTIFIED LETTER w/RETURN RECEIPT regarding this and still have the inquires on my report. In light of the recent  hacking of EQUIFAX ( and the high possibility of my personal information being released ) in addition to the above information, I immediately request you delete ALL the inquires in the past 24 months from my report and BLOCK any future request for my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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: GA

Complaint narrative:
Upon checking my personal credit report, I noticed several unauthorized inquires had been made. I have disputed these inquires with you directly several times, with the most recent investigation resulting in you returning all these back as valid, less than 24 hours later, which indicates you did not due your diligence to thoroughly investigate my concerns. After having an Extended Fraud Alert on my credit file DURING THE TIME OF THESE INQUIRES which has now been converted to a Credit Freeze due to a recent theft in my personal information, I am requesting all the inaccurate information be deleted immediately. Furthermore, I sent a CERTIFIED LETTER w/RETURN RECEIPT regarding this and still have the inquires on my report. In light of the recent hacking of XXXX ( and the high possibility of my personal information being released ) in addition to the above information, I immediately request you delete ALL the inquires in the past 24 months from my report and BLOCK any future request for my file.

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 2017-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I TOOK MY DAUGHTER TO THE EMERGENCY ROOM ON XX/XX/XXXX AND ON XX/XX/XXXX. MY DAUGHTER HAD XXXX XXXX BUT THE HOSPITAL PUT THE CLAIM IN UNDER ANOTHER INSURANCE COPMANY XXXX AND I TLOD THEM THAT SHE DID N'T HAVE XXXX. THEY REFUSE TO LISTEN AND I HAVE BEING BOMBARDED WITH PHONE CALLS FOR 2 YEARS. I AM NOT REFUSING TO PAY O JUST WANT THEM TO GET THE AMOUNT RIGHT. 

1. EMERGENCY ROOM XX/XX/XXXX {$700.00} 2. ENERGENCY ROOM XX/XX/XXXX {$700.00} 3. XXXX XXXX XX/XX/XXXX {$4300.00} 4. XXXX XXXX. XX/XX/XXXX {$3100.00} 5. XXXX XXXX XX/XX/XXXX {$190.00} 6 XXXX XXXX XX/XX/XXXX {$170.00} 7.XXXX HOSPITAL XX/XX/XXXX {$1300.00} 8.XXXX HOSPITAL XX/XX/XXXX {$1400.00} 9.XXXX XXXX XX/XX/XXXX {$3100.00} ALL OF THESE BILLS ARE N'T MINES I HAVE TRIED TO TELL THEM THIS AND THEY AREN ; T LISTENING

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 2017-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On Sunday, XXXX XXXX XXXX I opened a savings account on online at my current bank which I 've been with since XXXX or XXXX. On Thursday, XX/XX/XXXXt I got a notification from a bill pay that my card was not being accepted. This has happened from time to time because I travel to and from our state capital for work, when I call they unblock it and things are fine. On this day, I was told my entire account checking and savings were going to be closed and I would receive a letter and a check explaining. I was then given the number to XXXX XXXX XXXX. When I called XXXX, they asked for my personal information and said oh, it 's because of XXXX XXXX XXXXXXXX. It says you owe money. from XXXX of XXXX, I called XXXX XXXXXXXX XXXX and confirmed that the {$74.00} they reported I owed was paid. 

On Tuesday, XX/XX/XXXX I received a letter from the bank, but not a check stating that my savings account was declined because they were unable to verify information and that I should reapply within a financial center. ( THERE WAS NO REFUND ) I called my bank again on Friday I finally spoke to someone Stateside. After reviewing the account she advised me to go to a branch and that they could override this decision. I explained that my bank, Citibank, was opened while i lived in XXXX, DC XXXX I now live in XXXX, NY. there are no open branches in XXXX. I also explained that without proper notice, I could n't notify my payroll department to discontinue my direct deposit in time. On Friday, the bank accepted a deposit of XXXX plus two small XXXX deposits. 

After trying since early Monday, Today, XXXX XXXX I 've contacted my actual branch as advised by the person on the phone on Friday. The gentleman tells me to call XXXX and see if they can tell me when I can get my money out and why the account was closed and all of the questions I 've asked them. 

My direct deposit is scheduled to hit my account tomorrow morning. I have no way to get the money or stop the transaction. I have not been refunded what 's currently in the account and I 'm worried that I will not be able to get it back. Please tell me my options. I know I 'm not a high wealth client. I literally live paycheck to paycheck and I ca n't pay my mortgage or car not ( which to stay on top of things I pay bi-weekly ), I suddenly ca n't open any other bank account. Please advise.

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 monetary relief
Consumer complaint received 2017-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I received a collection notice from Transworld systems Inc. the notice stated the XXXX XXXX XXXX and XXXX XXXX had previously contacted me to request payment. I have not received any previous contact, but most importantly I have not been anyplace north of XXXX Ga in the XXXX XXXX XXXX the tag cited is on or any other vehicle I own. The XXXX XXXX cited has over 266000 miles broken AC, and is only used for short trips locally. XXXX XXXX XXXX XXXX claims they have a black & white photo of my car and tag, the lady I talked to said it was a dark colored car, My car is Sandstone beige and in a color photo it  shows as bright silver or light tan, an this tag has been on this car since I purchased it in XX/XX/XXXX. 
Since I have not been any place North or XXXX XXXX in XXXX Ga I know without a doubt that I have not been on any XXXX XXXX XXXX XXXX. I have disputed this charge with the XXXX XXXX XXXX XXXX and requested a copy of the photo of the tag with the same no. as mine, and made photos of the rear of my car and its tag to provide to them. 
On date in question I was in the office of Real Estate Attorney XXXX XXXX from shortly before XXXX until between XXXX and XXXX went home and did not leave XXXX area for the rest of the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have 3 student loans with Navient. Two of them are private and one is federal. A while back one of the private loans went into default and it was passed on to their collection agency - XXXX XXXX. At that time they told me that I could pay {$100.00} a month towards it and that Navient would report to the credit bureaus that I was making partial payments. I have been doing that faithfully ever since. I have not missed one payment. My issues are that I feel as though the loan 's interest was accrued at an outrageous rate. The original principal was {$7000.00} and the loan is now at {$14000.00}. That 's double the amount. Then whenever I try to discuss this loan with Navient they tell me that they can not because I need to talk to the collection agency but that I should also be careful with who I speak to concerning this because there are fraudsters out there. So I call the collection agency and they tell me that they will talk to Navient on my behalf. Every time they talk to Navient they come back with a settlement offer. The first settlement offer was for me to pay {$4900.00} to them and the rest of the loan would be forgiven. Now they recently sent me another settlement offer to pay them {$6000.00} for the same thing. I believe that this is turning into a game of some sort because they know that this particular loan has been set at an unreasonable price. They do not allow me to discuss this loan and they continuously come with these settlement offers ( which are increasing even though the loan is decreasing ) and I believe that the loan is overpriced/not calculated correctly.

Company response to consumer: Closed with explanation