vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX, I am an XXXX  who represents the XXXX Family. I am filing this complaint on behalf of XXXX XXXX and her son, XXXX XXXX. In XX/XX/XXXX XXXX XXXX was XXXX. He is unable to pay his bills make phone calls, etc. He gave his mother, XXXX XXXX XXXX his authorization to pay bills and to give and receive information so she can conduct business on his behalf. XXXX XXXX has asked for my help in resolving this matter. In XX/XX/XXXX we mailed a check in the amount of {$4600.00} to Ocwen Loan Serving along with signed authorization. We used the US Post Office to send the check and authorization and paid for tracking. According to the tracking verification,  Ocwen received on XX/XX/XXXX. At demand of Ocwen we also faxed the authorization on XX/XX/XXXX and XX/XX/XXXX, which they claim they did not get. We verified the fax XXXX. As you will see, the second fax number they gave us does not work. When my office could not get the fax to go through the second number, we asked the office next door to fax for us, it would not go through for them either. We want to know where the check is. Why they haven't applied the check to loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I sent a certified letter to Equifax requesting an investigation of a Chapter XXXX   Bankruptcy that is being reported on my credit file as I was affected by the Equifax security breach. On XX/XX/XXXX I received and maintain a copy of the certified receipt verifying that my request was received by Equifax. Per the FCRA section 611 ( a ) ( 1 ) ( A ), Equifax had 30 days to complete their investigation. I received no response from Equifax. On XX/XX/XXXX I sent another letter making Equifax aware that they are in violation of the Fair Credit Reporting Act by not completing the investigation within the 30 day time period.

On XX/XX/XXXX Equifax responded stating that the information was verified and is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 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: PA

Complaint narrative:
Unauthorized inquiry on my credit report from the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XX/XX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XX/XX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XX/XX/XXXX Individual XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XX/XX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX  XXXX XXXX, OR XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XX/XX/XXXX Participant

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 2018-02-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cardinal Accounts, Inc.
State: IN

Complaint narrative:
In XX/XX/XXXX I lived in XXXX XXXX. Beginning in XX/XX/XXXX, I started seeing wasps in my apartment. From XX/XX/XXXX through XX/XX/XXXX I made constant reports. Initially they only sprayed bug spray around the building. Then they brought in professionals. The professionals came out three times and each time they found more and more wasps nests. Several times throughout this period I had no choice but to inconvenience myself and family by staying at their house or not leave my bedroom into the rest of the home due to so many wasps. At this time I was paying rent for an apartment I was pretty much not living in.They offered to move me into another apartment but I would have had to stay in mine for another month because they would only move me into an apartment the same size instead of what was available. At this time my son was six years old and to keep my son safe I had to move and I did it as quickly as possible since I had been dealing with the wasps for almost three months at that time. XXXX violated my lease by their failure to provide a safe and comfortable environment as stated in my lease. On the day I left I gave them a letter detailing everything in this letter to explain my decision to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I notified XXXX XXXX XXXX for XXXX XXXX XXXX credit card that they had incorrectly reported a 30 day late in XX/XX/XXXX to XXXX credit bureau. I also filed a report with XXXX. XXXX did not respond, however, XXXX XXXX XXXX responded via letter stating that they found the XXXX XXXX XXXX credit card is not being reported to the credit reporting agencies. This is in fact a lie because my XXXX credit report shows they reported a 30 day late in XX/XX/XXXX and I am an authorized user on the account with details of payments being made. The account has never been 30 days late in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
While negotiating a loan modification with Wells Fargo back in XX/XX/XXXX, my home was put into Foreclosure in error by Wells Fargo ( Dual Tracking ). I fought the Foreclosure with two Chapter XXXX filings ( XX/XX/XXXX, XX/XX/XXXX ) which provided an automatic stay while Wells Fargo and I worked on several HAMP Loan Modifications. When 3 successful trial payments are made to Wells Fargo, they intentionally neglect the structural issue ( XXXX ) in the home and provide false appraisals based on Comps. WF continues to this day in not doing an actual on sight analysis and are back to square 1 and starting over. The first chapter XXXX ( XX/XX/XXXX-XX/XX/XXXX ) was successfully completed with Wells Fargo not receiving anything from the Trustee because they were aware that the loan mod was being worked on during the duration. This process continues with the new chapter XXXX filing ( XXXX-present ). A HAMP Modification was completed in XX/XX/XXXX but the final paper work revealed errors and flaws and I stopped making independent payments after 2 months. All I want is for Wells Fargo to recognize the structural issue and reflect it in the actual appraisal. We were awarded damages by the National Settlement for Improper Foreclosure Filing back in  XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bayside Capital Services, LLC
State: TX

Complaint narrative:
I received a voicemail on my work phone from a XXXX XXXX stating she was from Bayside Capital Services LLC calling to collect a debt and that there was a " legal document '' that was going to be delivered to my place of work and home requiring a signature, if I didn't contact them. I returned the call on my cell phone and told her expressly to take my work phone number out of their contact database because they were not authorized to contact that number. I told her that I had settled the debt with the creditor that she was supposedly representing. She claimed she was going to send an email with some reference to the matter and review it with me over the phone. She hung up and I didn't receive an email until the next day. The next day she again called my work phone and left a voicemail. I called back on my cell phone and again instructed her that the number she was calling was not my personal number and she was not to call it. I told her I was formally disputing the debt, as per the instructions in the letter attached to her email ( which said that if they didn't receive a response in 30 days, they would consider the debt valid ). I told her I was going to mail the letter. She asked me to fax it. I faxed it and received a confirmation that it was delivered. She called my work number again the next day and left a voicemail. I called her back again from my cell phone and told her to stop calling my work number. She threatened that this " legal letter '' was going to be delivered to my place of work. I told her ( per the letter I was sent ) I was disputing the validity of the debt and I had sent the fax as she requested. She claimed the fax wasn't received, even though I had received the confirmation. She started accusations that I was stalling and didn't want to pay what was owed and that I needed to send her some proof that I had paid the debt or she was going to send this letter. I told her it was up to her to investigate my dispute. I told her I would resend the fax. After I hung up, another individual called my work phone AGAIN, and left a message saying he was her supervisor and that they didn't receive the fax I sent the day before. I didn't call back. I resent the fax and received another confirmation. This debt was settled with the creditor over a year ago. I checked my online account and all paperwork with the creditor. My work number was never associated with this account ( she lied and said it was and that is how they got the number ). This company is just harassing me and calling my work phone and threatening to send documents to my job to intimidate me. They are trying to collect money from me that has already been settled over a year later.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Dorough & Dorough, LLC
State: GA

Complaint narrative:
The debt was being paid thru chapter XXXX bankruptcy. When we were dismissed from the bankruptcy, the HOA turned the debt over to a law firm. A judgment was entered for the debt. I contacted the attorney ( XX/XX/18 ) to dispute the amount that they said that we owed. I was informed by the attorney that she would speak to the HOA board and call me back. I never received any call back from the attorney. We were not provided with validation of the amount. Approximately 21/2 weeks later I discovered that both myself and my husband had been garnished at the same time without notice. This created extreme financial hardship because we were left with XXXX dollars in our bank accounts. I contacted the law firm and the paralegal denied that anyone had ever spoken to me even though I informed her of my telephone record ( the date and length of the call, 13 minutes and 7 sec ). The paralegal stated that they did not have my new address or any notation in the computer regarding me disputing the amount owed ( it was given to the attorney during the telephone call on XX/XX/18 ). She also informed me that both husband and wife are garnished at the same time so that they " can collect the max amount quickly for their clients '' and that they didn't care that all income was deleted and left a family in distress. Unfair practice used to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 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: IN

Complaint narrative:
XXXX XXXX BANK FAILED TO CORRECT ALL 4 CREDIT BUREAUS TO REFLECT ACCOUNT CLOSED BY CONSUMER-CLOSED-PAYING AS AGREED NEVER LATE.

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 2018-02-08 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: IN

Complaint narrative:
XXXX XXXX BANK FAILED TO CORRECT ALL 4 CREDIT BUREAUS TO REFLECT ACCOUNT CLOSED BY CONSUMER-CLOSED-PAYING AS AGREED NEVER LATE.

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 2018-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Yes I have hard inquiries on my credit report and I have old accounts that shouldn't be on my credit report no more why they haven't been removed

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 2018-02-08 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:
Hi I sent equifax a XXXX form and online disputed about my hard inquire that I do not have no knowledge of. And they did not prove it was me and did not show that it was me. I want to see what they verified. They wrote me a letter what is that telling me nothing. I want to see the proof myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
Account fully terminated in XX/XX/XXXX, however Nissan is still reporting "FULL TERMINATION/BALANCE OWING" on my credit report, causing my mortgage lender to decline my homeloan.Nissan showing account active as of XX/XX/XXXX with a balance due of $XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 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: PA

Complaint narrative:
Experian relied back to where I filed a complaint on XXXX/XXXX XXXX regarding my loan with XXXX XXXX   showing incorrect as well as late shows and wrong information showing. Experian when replying back to CFPB needs to have the right information and stop replying back with wrong information pertaining to this account. I talk to a manager for XXXX and he explain to me they was updating the information to send to Experian for the correct information that should show on the credit file. I spoke to a manger on XX/XX/2018 regarding the situation and I was told it was over in the credit department to be adjusted correct and Experian was getting sent to Experian to be updated. And was informed that Experian also was or reported the wrong original amount of the loan as well.XXXX  is no longer XXXX it is XXXX in which took over Formerly XXXX  change names as that information is wrong as well by Experian nor has Experian provided proof documented as to the issue

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 2018-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This credit card was paid years ago and I spoke to the agent about having it deleted because they did not give me information of where I could use the credit card. This is an in store credit card that can only be used inside the store and at the time I had no knowledge of this information. I also paid of this card and went in store and cleared that it would be deleted off my credit report and it still shows open account and I really would like this account to be deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Yes I have hard inquiries on my credit report and I have old accounts that shouldn't be on my credit report no more why they haven't been removed

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 2018-02-08 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: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
On XX/XX/XXXX I submitted a compliant against Resurgent Capital Services LP CFPB case number # XXXX. Resurgent Capital LP indicated in their response to my previous complaint that they would submit for account # XXXX negative Tradeline to be removed from all three of my credit reports on XXXX of XXXX please review attachment sent, however the negative account has continued to be report onto all three of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
This company was assigned a debt by XXXX XXXX XXXX.  In XX/XX/XXXX I received an invoice from XXXX XXXX XXXX. I called them and explained that I did not ask for or agree to storage services. At that time, I was told they just automatically do it, and that since I didn't ask for this service it would be taken care of. I did not hear from them again until XX/XX/XXXX, I received a bill for nearly 4 years of storage that I never agreed to in the first place, and thought I cleared up in XX/XX/XXXX. At that time, the person I spoke with said that she could see my conversation and it would be written off. After this time, I saw a collection agency, XXXX, on my credit report and called them to state that this was not a valid account. They were typically rude and said I needed to pay some $600+ to clear it and refer me back to XXXX. I refused, and stated again that I did not have any account with XXXX.  Again, I didn't hear from these people (XXXX) until XX/XX/XXXX, when I received another statement in the mail. I called furious and they told me I had to pay them over $1200 or they would ruin my credit. Then they told me that they sent me a form in XX/XX/XXXX that I was supposed to sign. I never received any such form and I told them this. I called XXXX and they refer me back to XXXX.  She said she was sending again but that I had to pay or she would ruin my credit and then sent an additional collection to XXXX. Once again I never received any form. I phoned again today, and she agreed to send me this form via email. Now I've received a form for the first time in 10 years and signed a form cancelling a service that I never agreed to in the first place. I've asked both XXXX and XXXX to remove this from my credit for 10 years now. She once again demanded that I pay the money and said she was adding more to this supposed debt, and then said that was between me and XXXX, who repeatedly sends me back to XXXX. That is extortion and threats to my financial well being. This was repeated today. I will not pay this company a dime. These tactics are shameful.

Company response to consumer: Closed with non-monetary relief