vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-02 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: PA

Complaint narrative:
I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again  formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX  {$570.00} XXXX  XXXX XXXX   {$0.00}

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 2019-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
Since XX/XX/2019, I filed for borrows assistance with ROUNDPOINT MORTGAGE COMPANY. I have filed and gotten nowhere. I have spoken to several phone representatives, and I keep being asked to re-send the same documents over and over again and it is now XXXX and I am in jeopardy of loosing my home. I am trying to get the mortgage modified due to the fact my husband is on XXXX now since purchasing the home. I am in tears due to the fact I feel this company is not trying to acknowledge my application by sending me in circles. Today, I had a HUD counseling ( works for XXXX  ) reach out on my behalf to Loss Mitigation for RoundPoint and He was disconnected twice and told me I should immediately file this complaint due to the lack of professionalism. If needed I have all the email correspondence to show. I have the original application as well as all the times I have corrected what they claim to be wrong each time and still no assistance. Please reach out if documented proof is needed. I desperately want to keep my home, we can make payments now that his XXXX has started ... .. just cant make large amounts to catch up From when pay stopped this summer. I filed for assistance during our first defaulted month ( XXXX ) and still no help or word on application and its now XXXX. All i get is an automated message stating that I still have missing 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 2019-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eagle Recovery Associates, Inc.
State: WI

Complaint narrative:
Eagle Recovery Associates , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX I sent a cease and desist letter for no further contact about a debt owed on XX/XX/2019 via certified mail. The card was signed by an employee upon return to me to notify of it's receipt. Eagle Recovery Associates in turn did not provide me a letter after about proving debt to the address I had requested IF debt was valid. All credit reports state no debt is owed and no derogatory marks are listed. I had informed them in my letter that if they contact me again that I will file a complaint with the Federal Trade Commission and all calls will be screened. At XX/XX/2019 they had contacted me again. They were informed of recorded calls again ( via XXXX XXXX XXXX ) and disconnected.

Company response to consumer: Untimely response
Consumer complaint received 2019-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I requested statement copies for Mastercard account ending in XXXX on XX/XX/XXXX, it is now XXXX and nothing received to date. I spoke with a rep in recovery, I do not have her name available to me, she stated she was able to request statement copies from account opening to closing. I called again recently on XX/XX/XXXX, the rep confirmed they were sent out, he could not tell what date. I believe if they were sent out they should have arrived by now, it appears the package is lost. I request statement copies resent, I need the entire account history from opening to closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I RAN MY CREDIT AND FOUND SEVERAL ACCOUNTS THAT ARE NOT MINE. i NEED THEM DELETED IMMEDIATELY.. I HAVE ATTACHED AN IDENTITY THEFT REPORT REGARDING THESE ACCOUNTS.

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 2019-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I RAN MY CREDIT AND FOUND SEVERAL ACCOUNTS THAT ARE NOT MINE. i NEED THEM DELETED IMMEDIATELY.. I HAVE ATTACHED AN IDENTITY THEFT REPORT REGARDING THESE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc.
State: WI

Complaint narrative:
XXXX XXXX XXXX , XXXX . 
XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX I sent a cease and desist letter for no further contact about a debt owed on XX/XX/2019 via certified mail. The card was signed by an employee upon return to me to notify of it's receipt. XXXX XXXX XXXX in turn did not provide me a letter after about proving debt to the address I had requested IF debt was valid. All credit reports state no debt is owed and no derogatory marks are listed. I had informed them in my letter that if they contact me again that I will file a complaint with the Federal Trade Commission and all calls will be screened. At XX/XX/2019 they had contacted me again. They were informed of recorded calls again ( via XXXX XXXX XXXX ) and disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: VA

Complaint narrative:
I rented a two bedroom apartment at XXXX XXXX XXXX   ( XXXX XXXX ) in XXXX, VA from XX/XX/XXXX - XX/XX/XXXX. I moved out in XX/XX/XXXX & continued to pay the lease until XX/XX/XXXX. When I returned the keys, management charged me {$990.00} for pet damage to the carpet ( The maintenance man pulled the carpet up and decided there were stains underneath of the carpet. ) I have photos of him doing this. I have never had a pet and have signed affidavits attesting to that fact. I subsequently took XXXX XXXX  to civil court in XXXX County, VA and on XX/XX/XXXX judgement was entered on my behalf ( case # XXXX ) and XXXX XXXX  ( XXXX XXXX ) sent me a check for my security deposit. Hunter Warfield ( a collection agency ) has been calling me for the last 2 years trying to collect the {$990.00}. I've sent letters to Hunter Warfied and XXXX with documentation explaining that this was adjudicated in a court of law. ( I have copies of all letters. ) I can not get Hunter Warfield to understand this debt is not owed. I can not get XXXX to send Hunter Warfield documentation saying I do not owe this debt. This has affected my credit rating.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: VT

Complaint narrative:
I have a Wells Fargo credit card with 3 zero interest balance transfers, 1st for {$1700.00} expires XX/XX/XXXX, 2nd for {$2300.00} expires XX/XX/XXXX, 3rd for {$4900.00} expires XX/XX/XXXX. I made two payments of XXXX in early XXXX one on XX/XX/XXXX of {$500.00} and another on XX/XX/XXXX of XXXX. According to the Credit Card Act of 2009,  the first amount should have been paid off completely because it was 60 days before the expiration of the 0 percent interest rate. 
Credit Card act 164b ( 2 ) Clarification Relating to Certain Deferred Interest Arrangements A creditor shall allocate the entire amount paid by the consumer in excess of the minimum payment amount to a balance in which interest is deferred during the last 2 billing cycles  immediately preceding the expiration of the period in which the interest is deferred. 
Wells Fargo did not paid off the 1st balance completely, however spread it out between the three leaving a balance of {$680.00} on the 1st. I called them in number of times to get them to abide by the Credit Card act but they refused to, saying they were in the right. Now as of last statement they are charging interest on the first amount.

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 2019-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
We have had damage to our property and have had an insurance claim. We have submitted all the required paperwork and provided receipts for all payments paid out of our pocket to the contractor to expedite the process. The fial inspection was performed and signed off 18 days ago and the company continues to hold our money provided by the insurance company. We have provided a total release of lien by the contractor as well as a paid in full receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants Automotive Group LLC
State: NY

Complaint narrative:
Merchants Automotive Group and Right Direction Financial are refusing to remove an account over seven years old based on fraudulent charges from my credit report. The account in question is not a repossession. The vehicle was returned to the automotive group in 2014 after the automotive group began attempting to collect increased payments claiming that I had fallen behind on my payments. I had fallen behind in the past and had payments deferred to the end of my term as well as made separate payments to bring the account to current. Once the account was brought current, the automotive group continued to attempt to collect increased payments that were more than the agreed terms stating that, even though the account had been made current, I was still behind on my payments. After disputing this issue with the automotive group they refused to admit fault at which point I returned the vehicle. The company then stated that they refused to come collect the vehicle and that I would have to drive the vehicle from my current living address in New York, to their place of business in New Hampshire which I refused to do. The company then continued to attempt to collect payments on the vehicle for months afterwards before charging off the account. This account is based on fraudulent charges and neither company will remove this account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
About a year ago, after pulling my CREDIT REPORT, I realized multiple unknown accounts on it. Immediately I filed a Police report and notified the credit Bureaus that I was a victim of Identity theft, a few months went by and I got my credit report fixed. I, recently received a letter from a collection name : CONVERGENT OUTSOURCING INC,  they are trying to collect an alleged debt with XXXX, alleged account # XXXX, alleged balance of {$750.00}. This account does not belong to me. Please note that I am also sending a copy of a Police report that I filed months ago regarding an identity theft 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 2019-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
I started the modification process in May with PHH Mortgage  Company. I started sending documentation through their online portal. I called often to check on the status of my modification package and each time I was told I was missing documentation, that was already sent. I would resend the requested documentation and follow up with a call where I was told that I had other documentation missing. This continued until XXXX. In XXXX I was locked out of the online portal which said the username and password were wrong. I tried changing the password and eventually called the tech help number. They told me they couldn't get me into the portal. At that point I called and got the paperwork to resubmit the ENTIRE package again, this time through email. Again, I was told repeatedly that I had missing paperwork and that I submitted the " old '' hardship paperwork. I turned in the " new '' hardship paperwork and waited. When I called to follow up I asked to talk to a supervisor. I was put on with a supervisor that immediately emailed me the " new '' hardship paperwork in which I immediately filled out and sent back to her. I called on XX/XX/2019 to follow up and she said the dates were wrong and that I needed to send in the tax returns page 2 again. I did so immediately and she emailed me back that everything was in and and she was going to be out of the office until after XXXX and she would get in touch with me on Friday after XXXX when she returned to work. I never heard from her on Friday the XXXX in which I emailed her but the email came back that the email address didn't exist. I called her direct line today and extension and it said the number was disconnected. Throughout this whole process I was assigned a " relationship manager '' in which I never spoke to once. I spoke to someone different each time I called. I asked to have an appointment with the " relationship manager ''  and was told they do not make appointments. I received a certified letter on XX/XX/2019 and summons papers that my house is in foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BlueChip Financial
State: KS

Complaint narrative:
I was called on XX/XX/XXXX by a gentleman representing himself as working for a 3rd party collection agency called XXXX. Upon talking to him he of let me know his name was XXXX XXXX and he had taken over a debt that I owed to a creditor. He claimed that I old a creditor over an even higher cost named spot loan whom I have never heard of. He began to tell me that the original amount that was taken out was one amount but somehow because the interest rate doubled I now owed them roughly an even larger amount due. Again I have no idea who this collection agency is nor I have I received any information any correspondence and/or any form of validation to who they are. 

Upon talking to the gentleman also he began to keep up conversation with me regarding this debt that I owed stating that if it was not paid that he/ would move forward or his company would move forward in litigation in order to obtain the funds to eliminate the debt owed to a company called spot loan. Additionally he also informed me that if I did not agree to pay the said amount the company would move forward and sue me for the amount owed. 

During our conversation on the phone the gentleman named XXXX XXXX continued a conversation with me outside of the realm of the conversation regarding the debt. He continued to discuss with me information that was irrelevant to the debt himself. He then returned to his communication with regard to the consequences that could be done to me if I did not pay the amount of the debt due. 

I have attached our phone conversation to this claim. He also failed to inform me that he was a debt collector and that his call was an attempt to collect monies owed. He threatened me with litigation for a debt that I did not owe. He also informed me that he would send me copies of all of my documentation regarding this issue. It has been a week and a half and I still have yet to receive any form of documentation that would establish any agreement with the company he claims. 

He completely lied about everything that he said and caused me to have XXXX  XXXX and XXXX and XXXX XXXX because he has called over 15 times. He also said that he was located in XXXX New York, however, nowhere on the internet search does it show that this company has offices outside of California or Florida. 

Please help me to find out who this is. He had my personal information such as my date of birth, last 4 of my social security number, my address and the my occupation which can be found on my credit report. 

This is out right fraudulent financial activities. Please investigate this company.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: VA

Complaint narrative:
I graduated from XXXX XXXX university in 2016XX/XX/XXXXwith a XXXX XXXX XXXX where I specialized in XXXX. I work for a XXXX XXXX XXXX and am currently in XXXX school funded by my employer because I was not able to find a higher paying job with my degree. Sallie Mae calls my co-signer and I several times a day from XXXX XXXX XXXX XXXX XXXX to collect payments. I have a small child and cant afford to pay the amount they are requesting, they do not offer consolidation services, income based repayment, or any other payment plans without accruing interest and raising the total amount on your loan. Because of this my credit is very low and Im unable to qualify for refinance through another company to consolidate. Im currently seeing a XXXX to manage the XXXX  Im experiencing trying to manage this situation while balancing my personal responsibilities. I have asked about my options and have not been able to get a reasonable solution to help me pay off XXXX of debt for a 4 year degree.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XXXX- My Bankruptcy Attorney was told by a representative from Mr. Cooper that my home did not have a foreclosure sale date. I contacted Mr. Cooper and requested a loan modification application to be sent to me. I was informed my home did not have a foreclosure sale date from a representative based out of Arizona. XXXX I contacted Mr. Cooper again regarding the application being sent to me. Also, I was informed a second time my home did not have a foreclosure sale date. XXXX I received my loan modification application and a letter dated XX/XX/19 from Mr. Cooper to return the application by XX/XX/19. On XX/XX/19 I spoke to a Loss Mitigation, representative based out of Texas, who informed me my home was foreclosed and sold at auction on XX/XX/19 and is bank owned by Mr. Cooper. I was told eviction proceedings were not implemented at that time. XXXX My home is placed for a second auction and does not sell on XX/XX/19. On XX/XX/19, a notice was placed on my front door from Mr. Cooper instructing me to call. XXXX I spoke to a representative based out of Arizona , XXXX , who informed me the reason for the posted notice is due to Mr. Cooper offering me a second chance through a FHA program to help me keep my home. XXXX stated the application will be mailed out the same day ( XX/XX/19 ) and I should receive it in 3-5 business days. On XX/XX/19, a letter and 3-Day Notice to Quit, with a date of XX/XX/19, is posted on my front door from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. On XX/XX/19, I spoke to a Mr. Cooper representative, XXXX, notifying her of what occurred. XXXX informed me the program I was offered was longer available, the house is already foreclosed, and I need to contact the attorney regarding the 3-Day Notice to Quit.

Company response to consumer: Closed with explanation