vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I inserted a complaint here on XX/XX/XXXX. I received a response via your website and responded I have yet to hear from CFPB or Portfolio. have contacted Portfolio several times via mail over the past 90 days, after inserting a compliant with CFPB they sent me two letters one XX/XX/XXXX and the other XX/XX/XXXX simply stating the debt. Portfolio also mentioned in their letter they tried to contact me via phone. I have not given them my phone number and based on the year they obtained the account their company would not have had my phone number. I will only commuicate with them in writing. I requested proof of the debt in every letter sent i.e.

copies of signed agreements for original creditor & complete accounting of debt to assure accuracy.

I have received NONE of those items however Portfolio insist their simple letter is proof enough when the FDCA 809 ( a4 ) states the debt collector will OBTAIN verification of the debt and a copy of such verification will be mailed to the consumer. They did not do this although I specifically asked for what I needed to move forward with this account. 
I HAVE ATTACHED BELOW THE FIRST AND ONLY RESPONSE I RECEIVED FROM PORTFOLIO

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO

Complaint narrative:
I originally entered into a 30 year fixed mortgage with XXXX in XXXX. In XX/XX/XXXX when the mortgage meltdown was starting I was talked into a XXXX  Loan that I was told I could get out by XXXX XXXX. It was a negative-am loan supposedly designed to help keep your home by just paying interest for awhile. When I realized this was a predatory loan and have not been able to get out of it I have decided to get some help. We all know what happened in XXXX and XXXX XXXXXXXX XXXX took over all the old XXXX loans and I thought they were supposed to help the people that were harmed by their loans to make it them right. In the past years they have changed servicers at least three times along with the interest rate which has been changed 5 times since I started my Chapter XXXX. 

I am almost ( 6 months left ) in a Chapter XXXX to be able to keep my home. In XX/XX/XXXX the newest servicer ... .Bayview Loan Servicing LLC XXXX XXXX XXXX XXXX  XXXX XXXX , XXXX XXXXXXXX , Fl . XXXX ... .files a Motion for Relief of Automatic Stay and I entered into a signed stipulation between their attorney, my attorney and the bankruptcy judge in which I could pay back the arrearages, work on getting a loan modification to avoid foreclosure and be able to keep my home. I was working with XXXX XXXX, Asset Manger for Bayview Loan Servicing ( XXXX XXXX ) ) XXXX instructed me that Bayview needed me to request an appraisal for my home and that the appraisal needed to be XXXX to XXXX XXXX dollars less that the projected {$530000.00}. He said the reason was that XXXX XXXXXXXX XXXX did not want me to be able to sell it and make money on it. I personally thought that was ridiculous. Then on XX/XX/XXXX I received a couple of threatening phone messages from Bayview ( XXXX XXXX ) telling me that I have a ton of money I need to come up with or they were going to start foreclosure proceedings. I tried calling him back and he again said I need to send him a large amount of money ( didn't give me an amount ) also that he had talked with my attorney and that my attorney said he couldn't do anything then he said he would call me back and hung up. It was very weird and scary to say the least. Harassment. I notified XXXX XXXX who has never returned my call and I notified my attorney who said he has never spoken with anyone from Bayview Loan Serving. 

I have a partner, XXXX XXXX that can verify all of the above. His contact number is XXXX. 

In closing I would like to say is that all I have ever wanted was to get out of this predatory negative-am loan and into a regular fixed loan. 
Any assistance in this matter would be sincerely appreciated. 

Kindest regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XX/XX/2018 I called and sent Transunion and XXXX to remove accounts that I did not apply for with was XXXX, XXXX and XXXX. I spoke with a US Rep XXXX was handling my request. In the midst of our phone call, as she was confirming these account that needed to be removed, the call was disconnected. I called back and waited 20 minutes to get another US Rep on the phone I sent out an affidavit and it was notarized with these accounts on there. This time a spoke with a young Man and I explained to him what happened and how the first US Rep was looking into these account and they was about to do dispute. He told me that he couldn't help me because these account was verified and they was mines. I told him that I sent an affidavit in to validate this information with XXXX, XXXX and XXXX and to provide me with copies of any documentation associated with this account bearing my signature. He told me that they investigation these accounts and they are mines and he can not help me anymore. I have these three accounts on my credit that need to be off my report because Transunion did not do they Job and the US Rep di not help me at all. Couple of Days later I received a credit report from Transunion and they stated on there that these account was verified and I know these accounts wasn't verified because they did not sent any of the information that I requested from them. I did not apply for none of these account. I am just asking them to send me proof of what I asked them to.

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 2018-04-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Ocwen Loan violated my right to privacy. Despite giving them instructions not to discuss my account with anyone when I was late in paying in XX/XX/2018 they sent a delinquent notice of default to my tenants. My tenant caslled asking if I was going through financial difficulties. It was embrassing and a violation. My older son is going through a medical situation I am him with financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
we were in bankruptcy in order to get a mortgage modification for our home loan due to the financial crisis. we started making payments in XXXX to the court and finally in XXXX a mortgage mortification was granted. we paid all our payments on time and we were actually paying one month ahead. When I called to make my monthly payment ahead of schedule they told me my payment had increased for by {$600.00} per month? When I questioned them they said there was an increase in my escrow, I called m y attorney and nothing had been filed with the court, the mortgage company faxed me the paperwork and the escrow report, the escrow report shows in XXXX they took {$3000.00} out of my escrow account then the escrow we paid in XXXX, XXXX, XXXX and XXXX of {$290.00} was not applied towards our escrow account then they paid our property Taxes and insurance making us even farther behind. I gave them the {$1600.00} I had paid ahead for our mortgage payment and paid them extra month to get the escrow caught up. We have requested and requested an escrow audit and it took more than 9 months but I received no explanation and only received a call that our payment would be going down by {$3.00} and I received a check for {$150.00}. We completed our chapter XXXX bankruptcy and it was discharged on XXXX I once again am one month ahead on our mortgage payments we received a statement that we had a {$400.00} unapplied credit and I made my XXXX and XXXX payment in XXXX and when I received my XXXX statement it showed we still had the {$400.00} unapplied credit but that our payment was now {$100.00} more because our escrow payment was higher, we received nothing in advance with no explanation of our escrow account?? When I called to make my XXXX payment in XXXX and ask them about the unapplied credit they said they had no idea what I was talking about even after it was on both statements they sent me, I again asked for an escrow audit report from the beginning and where the unapplied funds came fro and where all our money whet and why our escrow had increased without prior notice? Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Commonwealth Financial Systems is reporting false and misleading information to XXXX. I have never heard of nor have I ever contracted with Commonwealth Financial Systems. On Tuesday, XX/XX/2018 I mailed out certified letters to both Commonwealth Financial Systems and XXXX seeking validation, not verification of this allege debt under the Fair Debt Collection Practices Act. As of Sunday, XX/XX/2018 both Commonwealth Financial Systems and XXXX have failed to provide me with a response and they have also failed to provide me with a release that releases my medical information to them, therefore by providing ( Commonwealth Financial Systems ) and furnishing ( XXXX  ) such information they are in clear VIOLATION of my HIPPA rights. I will now seek every legal remedy available to me and file suit against all parties responsible for reporting this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY

Complaint narrative:
I received a bill for a minors XXXX that occurred around XX/XX/2017. I was the POA for the minor for follow up appointment purposes. However, her mom was SUPPOSED TO BE listed as the guarantor. Somehow I think there was a clerical error and I am now being held responsible for a bill that I don't have the resources to pay. I have been in contact with the hospital, the XXXX group, and the credit bureau system trying to fix the mistake. Yet, somehow, nobody wants to budge on the issue. For providing insight, Note that I'm in college with no financial aid, working and going to school full time and I can barely afford the bills I already have. This issue has ruined my credit and probably my chances for renewing my lease in a few months. What seemed like a little issue could now leave me homeless

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: FL

Complaint narrative:
While shopping for a car, I was told my credit scores were too low? I know my scores from XXXX, XXXX XXXX and XXXX. I was told there is a new credit reporting agency called XXXX XXXX??? Who is XXXX XXXX? NEVER HEARD OF THEM. How do they have my information without my consent and how can companies all of a sudden become credit reporting agencies reporting inaccurate credit information? Is this an attempt to report negative information in order to allow lenders to charge more interest? 
WHO IS 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 explanation
Consumer complaint received 2018-04-22 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: IL

Complaint narrative:
I have recently found out about inquiries that i was not aware of. After reporting mine being a victim of identity theft twice to consumer agencies transunion has not removed items on my report. Only XXXX. XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX- XX/XX/XXXX ; XXXX XXXX XXXX, XXXX ; XX/XX/XXXX. XXXX XXXXXXXXXX/XX/XXXX. XXXX-XX/XX/XXXX. XXXX XXXX XXXXXX/XX/XXXX. XXXX-XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXXXX/XX/XXXX. XXXX XXXX XXXXXXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXXXX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX-XX/XX/XXXX ; XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX-XX/XX/XXXX. XXXX XXXX XXXX XX/XX/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 ; XX/XX/XXXX. XXXX XXXXXX/XX/XXXX ; XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX-XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX 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 2018-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is an address on my credit report that I have never lived at that the credit bureaus will not dispute or allow a dispute of. I am demanding this address be removed from my credit report as the credit bureaus are in violation of the Fair Credit Reporting Act : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NY 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 2018-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Law Offices Howard Lee Schiff, P.C.
State: CT

Complaint narrative:
Law offices of Howard Lee Schiff sent me a letter stating I owed XXXX 's Card money. I sent a validation letter stating I needed the signed contract that showed I agreed to pay. Also that I needed their license number to show the can legally collect in my state. Also that I would need 30 days upon receiving the information to investigate and that they have to stop all collection activity during the investigation period. They sent me back bills from the credit card company. They did not show any documentation with my signature showing I agreed to pay what they said I owe. Also did not send any license number whether it be their attorney license number or debt collections number. the letterhead says the offices of Howard Lee Schiff and also ends with that with no signature. I found that XXXX XXXX hasn't had anything to do with the company since 2007 and is not a member of the bar anymore. The company also isn't registered as a debt collector with my state. I have received papers for a lawsuit. Still on those papers no attorney is named just the law office. Since I'm not being sued by an attorney or member of the bar but instead from a company operating as a debt collection agency that company needs to be registered to collect in my state. Under the Fair Debt Collections Practices Act this company is acting in deceiving ways which is against the law. This company and the one they represent still are reporting negative information to the 3 major credit bureau 's though failed to validate the debt again a violation of the Fair Debt Collections Practices Act as well as Fair Credit Reporting Act. It is also defamation of character. I know of many others who have filed complaints as well. This company is a fraud and needs to be shut down!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is an address on my credit report that I have never lived at that the credit bureaus will not dispute or allow a dispute of. I am demanding this address be removed from my credit report as the credit bureaus are in violation of the Fair Credit Reporting Act : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is an address on my credit report that I have never lived at that the credit bureaus will not dispute or allow a dispute of. I am demanding this address be removed from my credit report as the credit bureaus are in violation of the Fair Credit Reporting Act : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NY 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 2018-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XX/XX/XXXX loan modification process began with Wells Fargo Home Mortgage Inc. Consistent delays by Wells Fargo increased my initial home mortgage of {$100000.00} to a modified loan of {$140000.00}. Every month the loan modification was delayed inflated the mortgage amount. 

TIMELINE : XX/XX/XXXX - foreclosure notice was received and I retained XXXX, XXXX and XXXX, ( XXXX ) as my attorney to assist with the loan modification process. NOTE : XXXX has all documentation. 

XX/XX/XXXX - first Mediation meeting - Wells Fargo did not attend. I attended with my attorney. 

XX/XX/XXXX - second Mediation at which time Wells Fargo had no information as to the modification and advised and a new form was required that they had not sent me. 

XX/XX/XXXX - Wells Fargo did not advise my attorney that a loan modification was approved. 1 ) HARP approved a permanent home loan modification, however, Wells Fargo did not present this information to my attorney who only learned about it in XX/XX/XXXX ; 2 ) Wells Fargo changed attorneys was the reason given why we were not made aware of the HARP approval ; 3 ) since we were not aware of the HARP approval, the HARP/TPP was not made and therefore the loan modification process had to start over. 

XX/XX/XXXX - I agreed not to block the foreclosure with the understanding that Wells Fargo will continue to work through the loan modification process. 

XX/XX/XXXX - my attorney was advised that the loan modification had been approved and the foreclosure was stopped. 

XX/XX/XXXX through XX/XX/XXXX - repeated calls to Wells Fargo requesting information as to the permanent loan modifications and 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 2018-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I received an email on Friday at XXXX EST that I had upgraded my XXXX account. I immediately logged in and changed my password and tried to void out the upgrade. Unfortunately my PayPal was already charged. Shortly thereafter I received a notice that I had " forgotten my password ''. I disputed the charge with PayPal, because it was an unauthorized charge, but they claimed it was an authorized charge because I had an agreement in place with XXXX. The only thing I could do with XXXX was change my password and cancel my account. I reached out to XXXX and informed them of the unauthorized transaction and they said there was nothing they could do to issue a refund because PayPal had charged me.

As a result of both of my complaints, both PayPal and XXXX refused to issue a refund for the unauthorized transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
On multiple occasions the department of Navient / XXXX XXXX placed my account into forbearance. I received emails from their employees that said respond yes to this message to place your account into forbearance. Me not being able to afford the outrageously high payments being offered I agreed to the forbearance and responded yes. I have accrued several thousands of dollars in interest over the last 5 years without them attempting to set me up with feasible payments. Im questioning the legality of what they are practicing. Do I qualify for the class action suit against Navient? Should I seek legal representation? Im aware of the multiple forgiveness programs available now but thats after the fact that Navient caused me to accrue roughly 10,000 to 15,000 dollars in additional interest. Please explain to me what my options are. Thank you for your time.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: MI

Complaint narrative:
From XX/XX/XXXX through XX/XX/XXXX, PHH Mortgage Services was servicing the mortgage on our primary residence. During that time period, our Chapter XXXX Bankruptcy Trustee sent the equivalent of 25 monthly payments to PHH Mortgage Services. However, it appears that PHH only processed 20 of the 25 payments, which made it appear to the next mortgage servicing company that we were 5 payments in arrears.

We able to verify the above information by obtaining the payment ledgers from our Trustee and PHH Mortgage Services.

Company response to consumer: Closed with explanation