vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: VNU Group, LLC
State: IL

Complaint narrative:
Received call form a unknown co. called  XXXX  on   XXXX   XXXX   XXXX     trying to collect a debt they say I owe. Tried to tell them I do not know how they are, so they sent me an  XXXX   XXXX , wanting all kinds of personal info on me, Police said not to fill out and report them.   XXXX   XXXX   rec letter saying I had not sent back in Fraud packet and so my debt was now past 60 days overdue and now I owe them {$600.00}. For what is not known. Have never recd. a bill just a collection letter .... Also this company seems to us e Pacific Credit Grp LLC to service hem. This Co.  had a Co Called  XXXX   XXXX .  XXXX  to do a soft cree credit check on me on   XXXX   XXXX   from Florida. On same day form   XXXX   XXXX   CA,  Pacific Gredit Group also did a credit check as a credit review on me from the    XXXX  address at  XXXX .  XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX  in   XXXX   XXXX  .CA.  XXXX  The number online there is listed as  XXXX  as listed later on the letter of saying I need to make payment arrangements. However they send correpondence form a  XXXX   XXXX   XXXX  in  XXXX   XXXX , CA  XXXX  saying they are   XXXX   using a number registered to  Pacific Credit Grp LLC,  as  XXXX  They also sent a so called payment portal address to send any money to as  XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I never heard back from the credit bureau

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 2017-04-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: MORGAN STANLEY & CO. LLC
State: TN

Complaint narrative:
This complaint is necessary to involve the loan originator and debt owner in reviewing complaints #  XXXX  and #  XXXX .  Morgan Stanley  needs to exercise oversight of its loan servicers to ensure that its customers are treated fairly and respectfully, and to keep them from creating more risk than they protect. That is certainly the case here. Customers do not consume their homes. They are a necessity of life. Loan servicers do consume them.     I have {$70000.00} to {$80000.00} of hard earned equity in my property against the {$55000.00} total debt. That merits fair treatment and direct communication to resolve the issues. I have arranged the means but need reasonable deadlines and timely responses to requests for the necessary information have I needed. I need to be allowed to speak directly and consistently with someone in authority, not a call center.

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 2017-04-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: IN

Complaint narrative:
I am shocked of the w ay Ditech keeps prolonging my case and scheduling new sale dates. I was denied previously because Ditech stated there were liens in my tittle. However I fax Ditech o n  XXXX / XXXX / XXXX  prove so they can reevaluate my loan and approve my Deed in  Lieu. I fi le bankruptcy on  XXXX   XXXX ,  XXXX . Stating all liens were cleared and satisfie d. Ditech is  refusing to provided me prove of the liens that are showing on my tittle. I am tired  Ditech is just taking advantage of me because I am an elderly man. Please help me I h ave an active sale date for  XXXX   XXXX ,  XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have submitted information several times to Equifax regarding a  XXXX   XXXX  dispute but they still refuse to correct the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I got scammed and someone fraudulently used my card/signature ... To shop at  XXXX   XXXX  in the amount of {$6300.00}. I do not know what  XXXX   XXXX  is nor do I spend that much in a day for products I do not know about ... Going through previous transactions history o n American Express, I would not have places like that on my charge history ...      Also  American Express Personnel advis es to let charges go through and dispute them later, this is what I am doing now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: MD

Complaint narrative:
Regarding case  XXXX  The issue is NOT whether  XXXX   XXXX  understood the terms he was offered on a purchase of primary residence. The issue is our current residence WILL not sell before he closes on the home in DE. Therefore he will not be eligible for the terms quoted.  XXXX   XXXX  's verbal response that as long as he is making his payments it wo n't matter is not adequate- it 's mortgage fraud. It could ta ke 3-6+ m onths for home to sell and that is being optimistic!! Cashing in retirement savings to pay  XXXX  mortgages and or have adequate reserves on hand is not acceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
In thirteen years of good faith payments, OCWEN financial shows a primary balance on my mother 's mortgage loan ( a loan that I am beneficiary of ) that is only several thousand dollars less than the original loan amount. OCWEN also has never reported any of her payments to any credit reporting agency, which negatively impacts her credit score. For   undisclosed reasons by the company, the escrow account attached to the mortgage loan is nearly {$3000.00} in deficit, despite monthly escrow payments included with billing statements. The escrow balance statement makes absolutely no sense, as the payments " received '' do not reflect the actual payments supposedly included in the monthly mortgage payment. On top of this, despite the monthly escrow payments, my mother is somehow behind on her property taxes. This loan was originally held by  XXXX   XXXX   XXXX  which went bankrupt in   XXXX   due to the subprime housing collapse. OCWEN is now not disclosing who actually owns the loan, since  XXXX  is defunct. Beyond the previously mentioned items, the loan maturity date of  XXXX  is outdated by the actual date the mortgage would be paid  off (   XXXX   ) by 1 5 years according to how the mortgage payments are now being distributed between principle, interest, and escrow. OCWEN has never disclosed any information to my mother, or myself, about options to refinance with a lower interest rate and have failed to disclose the missing escrow monies. It also appears th at OCWEN failed  to actually put money into escrow for the first three years of the loan, even though it was intended in the contract - this is the only explanation for the unpaid property tax situation. OCWEN has also not disclosed who underwrote the home owner 's insurance, so there is no way to tell if escrow monies are actually being paid toward home owner 's insurance and property tax, or if there is simply no insurance on the house or mortgage loan at all. This subprime mortgage loan is probably one of the last in the country that is left from the housing crisis of   XXXX  , and was intentionally designed to fail from the beginning, however, to the companies dismay, the payments were kept current, and the hosue did n't fall into default and subsequently disclosure. Instead, the company decided to bilk my mother of thousands of dollars that are missing from the principal balance payments and escrow monies, leaving me to pick up the tab when she passes on. OCWEN also refuses to release information in a timely manner, stating a processing time of  4 bu siness days for loan payment history, and documentation regarding the ownership of the loan. This is time that could be spent doctoring documents.

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 2017-04-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Zingo Cash Illinois LLC
State: IL

Complaint narrative:
XXXX  from  Zingo Cash c onstantly calls me at work. I can not accept personal calls at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: DriveTime
State: WV

Complaint narrative:
I purchased a   XXXX    XXXX   XXXX  from DriveTime, their  XXXX , MD office. Within 30 days of the purchases, I 've had to buy  XXXX  front tires 2 times. My front tires were wearing down to the metal treads wit hin 4-7 days.      When I bought the second set of tires the mechanic realized that the drivers side front shock spring was broken. I thought it was something I had done but the mechanic said that whoever inspected the car knew about it because they put a zip tie on it. I looked on the inspection order and noticed that the company had marked that suspension as a pass.     They also marked the windshield as repaired, there had been a chip in it when I purchased the truck. Well, that " repaired '' chip had grown to a full crack that stretched across the bottom of my windshield. Also, they had on the inspection order that my rear rig ht brake was repaired ... not true. That brake is ro utinely engaged while I 'm driving. It 's gotten to the point where it is now digging into my rotors so now I need those as well. As a sidebar, the AC does n't work but that 's not a safety issue.      So I contacted Drive Time an d told them what was going on. They told me to call  XXXX   XXXX  which was there extended warranty company. I did that, told them what was going on, they basically kept repeating that they only work with engine problems ... essentially telling me to get lost, that 's my lost. They did n't even have the decency to give me a detailed response. They just kept repeating that they only cover the engine and then left open silence to influence me to disappear.     So  I called Drive Time again, they 're throwing me around to customer service. After 4 tra nsfers they 're still trying to avoid the repairs but they want me to get it looked at with a full diagnostic at one of their partnering shops. It 's getting frustrating. I 've never had a car buying experience like this before.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
ATTN : Legal D epartment, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsectio n ( 8 ) (  D ).   The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, sectio n 623, subsection ( 7 ) ( A ). To  date, I have not received any documentation in compliance with this section.   I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.   If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accou nts may constitute th e reporting of false information, causing damage to my reputation and future credit worthiness.   To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.   It is my understanding that t he FCRA 623 ( 8 ) ( E ) ( iii ) establishes  a time-frame for these issues, and that se ction 621 of   the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit re port as : 1.  XXXX   XXXX   XXXX  This account has never been verifed and I have never done business with this company. Error please delete.    2.   XXXX   XXXX   XXXX  This account is a duplicate of the same account above error please delete.   3.  XXXX   XXXX  this account has never been verified error please delete.    4.   XXXX   XXXX  this account has been delete and was never update throught the bureau please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alliance One, Inc.
State: TX

Complaint narrative:
Phone Harassment at work robo calls for  XXXX  energy debt that was paid in full  XXXX / XXXX /  XXXX  .     I provided proof and then they sent to collections throug h Alliance One Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Perfection Collection
State: GA

Complaint narrative:
The original creditor is   XXXX   XXXX   XXXX   XXXX   or they also go by  XXXX .     I have been making payments to  XXXX   XXXX  collection agency since  XXXX    XXXX  . Another collection agency reached out to me a few weeks ago saying they had my account from  XXXX  and asked that i setup a payment arrangement. I refused and let them know that I was already making payments for this debt to another agency.     Now perfection collection has placed this debt in the amount of  XXXX  on my   XXXX   XXXX   credit report and i can not possibly owe two different collection agencies  two  different amounts of money for the same original creditor.      XXXX  said that my original balance before making payments was approximately {$700.00} now Perfection collection has reported a balance of {$1500.00}.     I have tried conatcting ADT multiple times to get information about the the collections agency they sold the account to and I am never able to get anything that mirrors the agencies that have contacted me. The only thing that  XXXX  was able to provide was that in  XXXX  the account was sent to  XXXX   XXXX   XXXX   XXXX   (   XXXX  ) and that in  XXXX  it was sent to  XXXX  (  XXXX  ) I have tried calling these numbers and get nowhere.  XXXX   XXXX   XXXX  who says that they work for perfection collection has made the most recent contact with me about what has been reported to my credit. At the end of the day I do want to pay only what i owe to the correct collections agency and right now that is not clear to me.     please let me know what my next step should be to get this resolved expeditiously.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My name is  XXXX   XXXX  and I have reported m y Tjmaxx Master ca rd lost/stolen back in  XXXX   XXXX . I have paid my valid balance and closed this account. I have received a letter after few days that they approved my fraud claim and removed all the charges. Now all of a sudden I have received an email in  XXXX   XXXX  that I still have a balance of some {$2100.00} . ( cr edit card ending  XXXX  ) When I called Tjmaxx credit card, I was told that they have denied my claim back in  XXXX . This is so unfair and I want them to disclose all the investigation as I do not agree with their decision. It is on my credit report as a negative factor and I want this to be resolved ASAP.

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 2017-04-20 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I HAD  XXXX  CAPITA L ONE CREDIT  CARDS COMPROMISED DUE TO IDENTITY THEFT. WHEN I CALLED  XXXX  APITAL ONE AND LET THEM KNOW I WAS NOT THE ONE THAT REQUESTED THE NEW CARDS OR CHANGED THE  ACCOUNT INFORMATION THEY TOLD ME THAT THE FRAUDULENT CARDS WOULD BE CANCELLED AND NEW CARDS ISSUED TO ME. THIS WAS ON  XXXX  -2017. THE NEXT DAY I REC EIVED AN EMAIL THAT THE BALANCE OF  XXXX  OF THE CARDS HAD BEEN PAID IN FULL. THE ACCOUNT THAT PAID THIS WAS NOT MINE AND I ASKED THAT THE PAYMENT BE REMOVED DUE TO THE PRIOR DAYS EVENTS. THEY SAID IT WOULD JUST FALL OFF THE ACCOUNT IF IT WAS NOT A LEGITIMATE PAYMENT. THEN I RECEIVED AN EMAIL FROM THEM SAYING THAT MY NEW CREDIT CARDS HAD BEEN SHIPPED VIA   XXXX   XXXX    XXXX . WHEN I TRACKED THE PACKAGE THEY WERE SENT TO THE FRAUDULENT ADDRESS IN  XXXX   XXXX  FL AND SIGNED FOR BY  XXXX   XXXX . I ASKED THE FRAUD DEPARTMENT HOW THE CARDS COULD HAVE BEEN EXPRESS SHIPPED AFTER THEY TOLD ME THE CARDS HAD BEEN CANCELLED. THEY TOLD ME THEY CAN ONLY DO ONE CANCELLATION IN A  24  HOUR PERIOD. THEY HAD NO NOTES THAT THEY HAD EVEN SPOKEN WITH ME ON  XXXX  -2017. THE O NLY CARDS OF MINE THAT WERE COMPROMISED WERE ISSUED BY CAPITAL ONE AND I 'M A BIT CONCERNED THAT IT COULD BE AN INTERNAL ISSUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I got denied credit for chase freedom credit card, because they said i had too many accounts open or too many loans and thats inaccurate, somebody must be using my information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
You removed  XXXX   XXXX   XXXX   XXXX  because the company could not provide valid information, they are the ones that removed it and you have put it back on my credit again. This is in violation of the FCRA. Experian is in violation of trying to reinsert information that could not be verified. I am demanding that this information be removed immediately. Unless you have updated information meaning PHYSICAL PROOF, a contract with my signature then you are in violation of section 609 of 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 non-monetary relief
Consumer complaint received 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have contacted the credit report agency disputing information on my credit report. The reply i have gotten was that they were reporting correct information. I have a letter from the company i was disputing that this information was sent to the credit bureau in question to have this removed months ago. They are still reporting this information thus hurting my credit further as i 'm trying to clear up my credit and this oversight is hurting me and hindering me from bettering my situation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Tranunion reported me 30 days late after showing proof of paying my never late auto on time

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I purchased a vehicle from Texas  XXXX  of  XXXX ,   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , TX  XXXX  on  XXXX / XXXX /  XXXX   The vehicle was financed with  Fifth Third  Bank  XXXX   XXXX   XXXX   XXXX , OH  XXXX . They received my  Credit Union  certified on  XXXX / XXXX /  XXXX  . I still have not received my lien release.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Navient  has done nothing but lie and mislead me on repayment plan available. Raised my payment amounts, kept deferrin my payments instead of setting payments based on my income. Applied payments incorrectly.

Company response to consumer: Closed with explanation