vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I paid XXXX XXXX XXXX in full, for an over drafted bank account. The account number is, XXXX - XXXX. Amount requested by XXXX XXXX XXXX {$1200.00}. 

Amount paid by XXXX XXXX, {$1200.00} for XXXX balance. 

This account was initially reported as Suspected Fraud Activity. This language is suggestive that elements of Fraud were present. When this was just an overdraft. A customer issued me a check, I deposed the check in good faith. The check amount was credited to my account, but later returned to me as NSF. The bank overdrew my account {$1200.00}. However, there was never any elements of Fraud involved. 

XXXX XXXX XXXX reported this erroneous information to ChexSystems. ChexSystems is reporting this erroneous information to those who pull my information. 

XXXX XXXX XXXX is declining to open a new account because of this language.

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 2017-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My JP Morgan Chase Checking Account XXXX was overdrawn in the amount of {$9100.00}. Chase offer me a settlement compromise, of {$4500.00} in three payment. I refused this settlement offer and requested to pay the account in Full. 

JP Morgan Chase requested I pay {$9100.00} to pay the same in full. I paid {$9100.00}, to JP Morgan Chase. JP Morgan Chase recovery department agreed to notify ChecSystem that the same account JP Morgan Chase reported to ChecSystem is paid in full.

JP Morgan Chase recovery rep. also agreed to provide me a letter on JP Morgan Chase letterhead stating account number XXXX is paid in full as of XXXX XXXX, 2017 as the direct result of receiving payment from XXXX XXXX XXXX in the amount of {$9100.00} bring the account to a XXXX balance. 

I have contacted JP Morgan Chase, twice since performing under our agreement to remedy the overdraft in my above said account, by paying the full balance amount of {$9100.00}. 

The Chase recovery representative agreed to provide me a receipt of payment, showing the amount of paid, with the language " paid in full, '' written on Chase letterhead. 

After I made payment in full to Chase, Chase recovery states they can not give me a receipt, showing the amount I paid, nor will they state the account is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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: TX

Complaint narrative:
sent police reports equifax is taking more than 45 days to remove my items that was taking off by their competitors

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD

Complaint narrative:
I am writing because I had a mortgage with XXXX. I received a letter on XX/XX/XXXXnotifying me I could apply for a loan modification. I filled all of the requirements. On XX/XX/XXXX I received a letter notifying me I was approved for a loan with XXXX. The letter outlined our schedule with payment coupons. Enclosed are copies of the coupons and canceled checks. I paid all payments on time. Again on XX/XX/XXXX I received another letter form XXXX stating I qualified for mortgage loan assistance. I assumed the letter was an error. the letter is dated after XXXX accepted our second payment. A payment was paid to XXXX on XX/XX/XXXX, for XXXX, coupon # 1.Second payment coupon # 2 paid on XX/XX/XXXX.Unexpectedly I received a letter from XXXX notifying me that my loan would now be serviced by Bayview Loan Servicing, as of XX/XX/XXXX.XXXX did not abide our existing loan modification agreement. Afterwards I received a letter from Bayview Loan stating they would now service our mortgage as of XX/XX/XXXX.The letter was dated XX/XX/XXXX.Bayview then sent me a statement that the date of default was XX/XX/XXXX, this was untrue. A copy of item # 10 Illustrates. How can I default on XX/XX/XXXX, when they did not have possession of the mortgage untilXX/XX/XXXX? Again Bayview sent a statement dated XX/XX/XXXX that the date of default was XX/XX/XXXX.After that I received paperwork dated XX/XX/XXXX from the law firm XXXX, XXXX XXXX XXXX had filed fraudulent papers in the XXXX County Circuit Court that the mortgage holder was XXXX XXXX. 
Likewise, I was default as of XX/XX/XXXX.Enclosed is a copy, item # 15, listing law firms as filling fraudulent papers for mortgage companies. XXXX XXXX has not been possession of my mortgage for years. XXXX XXXX can not foreclose on a property it does not own. If XXXX XXXX is the legal possessor of our mortgage, then XXXX has fraudulently been collecting mortgage payments for years. Also, enclosed is a copy of a check I received from XXXX dated XX/XX/XXXX.The check is from a law suit settlement for accounts with XXXX balance/bankruptcy or had foreclosed on property. Item # 22.  Now our home is in threat of being auctioned on XX/XX/XXXX with fraudulent paperwork. I have not applied for a loan modification, because who owns our mortgage? Who do I apply with? Likewise I have not contacted any of Bayview 's staff because who do I discuss this matter with. I have no trust in any of the forenamed companies. Frankly, I do not have confidence in their honesty. Will the next mortgage company abide by their modification? Obviously, XXXX did not. My husband had XXXX XXXX XXXX, a XXXX and numerous hospitalizations in XX/XX/XXXX.His doctors have informed me his health can not endure further excessive XXXX from this outrageous mortgage fiasco. I have been advised by legal counsel to request they " produce the note '' for my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
sent police reports XXXX is taking more than 45 days to remove my items that was taking off by their competitors

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CASHCALL, INC.
State: CA

Complaint narrative:
I called Cashcall about paying them off as I was trying to since I did not know the interest is almost $ 200 % and I have made over {$1000.00} in payments in a {$2600.00} loan and I owe over {$3500.00} I called in to move the date for draft and was advised no problem. Now I get an email saying they are debiting my account for a past amount due to the date being moved. As I advised they never told me about it and how can they just debit my account without my permission. They told me I gave them permission to just debit my account whenever as I advised NO I DID NOT. I asked them to show me in the contract and they said someone will have to call me back. I did not agree to this charge and they have adjusted my monthly payment to reflect the additional fee.

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 2017-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: CO

Complaint narrative:
I have always paid my bill online every month with a bank and they always show that they receive my payment however, in 30 days sometimes they will send me notice that they never received the payment even when the website says they did. This has caused multiple late pays to show up on my report by no fault of my own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
I have been behind on my payments with XXXX Mortgage for over a year. Almost always less than 30 days behind. XXXX has done nothing to help me get up to date. I have asked for help and they indicated they can not help unless my payment is current. 

I am currently 30+ days delinquent and they showed up at my house to tell me they are going to start foreclosure! Can they even do that? My husband is XXXX and this has put him over the edge! I have always handled our finances and they knew that. They went to my husband ( he is on the mortgage ) without any warning. I am furious! 

Lastly, XXXX has refused to help me get caught up by offering a loan adjustment, and have been raking in a $ XXXX late fee for over a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have always paid my bill online every month with a bank and they always show that they receive my payment however, in 30 days sometimes they will send me notice that they never received the payment even when the website says they did. This has caused multiple late pays to show up on my report by no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CO

Complaint narrative:
I was told that when i switched phone carriers ( from XXXX to XXXX XXXX that I would be able to do this without paying the cancellation charge because XXXX assured me that they would pay it. I told them that i ca n't and wo n't switch unless they are able to pay the cancellation charge from XXXX. Months after i switched accounts XXXX was trying to collect XXXX which i told them XXXX would pay. XXXX told me that i was n't eligible for them to pay now months after they assured me that they would pay it. This caused a XXXX collection on my report and was extremely deceitful to get me to sign up. I do n't know what to do but i am preparing to take legal action against both. Thanks for your consideration in looking into this practice by these companies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Iron Capital Group
State: OH

Complaint narrative:
On XXXX XXXX, 2017 Iron Capital Group submitted my personal information to multiple credit card companies for a line of credit WITHOUT my consent to do so. This caused me to have 18-20 hard hit inquiries on my credit reports between all 3 credit bureaus. I immediately contacted Iron Capital Group about this issue and I was told by XXXX that they had accidentally submitted my information. They meant to submit it to a credit union. I demanded that they fix this issue immediately. For almost 2 weeks I received the run around from multiple people ( mainly XXXX and XXXX ). They did n't know how to fix this and kept telling me they will look into it and call me back but they never called back. Finally, after contacting their supervisor, XXXX XXXX, I was given a letter stating it was entirely their mistake.I submitted this letter to the credit reporting companies in hopes to fix my reports and have the inquiries removed. They requested a police report as well to show this action was fraudulently done. I supplied them with this as well. To date, I am still trying to get these inquiries removed. It has dropped my score dramatically. I was told by XXXX that they recommend XXXX XXXX to correct this issue. I guess they gave my information to them because a couple of days later I was contacted by XXXX XXXX. XXXX XXXX required me to pay for their services even though his entire situation was NOT my fault. I declined their offer for services. I should not have to pay for something that is n't my fault. I immediately contacted Iron Capital Group nd was told by XXXX and XXXX that they would offer me a discount on their fee due to the circumstances. I advised them I only wanted my credit fixed and back to where it was before they submitted my information to multiple lenders. I never heard back from anybody from the company after this and my calls are not being returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Procollect Services LLC
State: FL

Complaint narrative:
I am in the process of trying to purchase a home, I spoke with a mortgage representative on XXXX/XXXX/XXXX and they pulled my credit, on XXXX/XXXX/XXXX, I spoke with a credit repair specialist that deals with the mortgage company, after looking at all of my credit reports advised me of what I would need to take care off. On XXXX, I received a notification that Procollect Services Inc. had been added to my credit profile for a collections of {$2500.00} and that the credit file had been opened on XXXX/XXXX/XXXX. Since XXXX XXXX, I have been diligently working on my credit to attempt to correct it and I have been keeping a watch on my credit report since, not one time, was this ever placed on my credit report, I never received any telephone calls, emails or mail from this place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am a victim of identity theft due to fraudulent actions made by my ex-wife XXXX XXXX. As a result of the identity theft, which has been reported to all ( 3 ) credit reporting agencies in XX/XX/XXXX, I have made numerous disputes regarding the reporting of inaccurate information on formerly shared accounts with XXXX XXXX or existence of fraudulent accounts that were not opened by me. In XX/XX/XXXX I disputed the reporting for home address XXXX XXXX XXXX, XXXX XXXX, CO XXXX ( Account # XXXX ) but the dispute that was made was not received by Ocwen correctly and incorrectly interpreted as an identity theft issue which does not apply to this account. Ocwen did not respond to requests to correct the dispute on their end that would allow their internal teams to know that XXXX is not an identity theft victim account and incorrect option was selected via the original XXXX dispute submission. Ocwen responded to the credit report dispute for XXXX by erroneously updating information for an unrelated, separate mortgage for a home that I own individually at XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX ( Account # XXXX ). This account was correctly reporting to the ( 3 ) credit reporting agencies as an Individual liability, but following the dispute for Account XXXX has begun to report incorrectly as a Joint liability with XXXX XXXX. I have submitted online written requests via Ocwen 's website to correct this error so that Account # XXXX will be corrected with all ( 3 ) credit reporting agencies and report again as an Individual account/liability. 

XXXX XXXX and I have been divorced since XXXX. She has abandoned the property and all financial obligations, which has been formally processed with Ocwen via an assumption several years ago. XXXX relinquished her rights and liability to the property again in late-XXXX when the 1st mortgage for account XXXX was modified. All financial obligation for account XXXX ( payments ), deed of trust etc. for this home is mine and should only be reporting to the credit reporting agencies as an Individual account as it was previously reporting. Example attached of the previous reporting, showing on my XXXX report that this Ocwen account was in fact an individual account and reporting made by OCwen to the credit reporting agencies reflected this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: COAST 2 COAST FUNDING GROUP
State: CA

Complaint narrative:
I submitted an offer to purchase a condo on XX/XX/XXXX, at which time my loan-broker [ XXXX XXXX - based in XXXX, CA ] advised me to allow for a 14-day loan contingency period. 

I have received negligent service from both the loan-broker & the lender [ Coast 2 Coast Funding Group - based in XXXX XXXX, CA ] since that time. At this point, I have already paid-out 43 % downpayment into escrow. 

Just today XX/XX/XXXX the loan underwriter issued yet another demand, asking for additional financial documentation, on top of the thorough disclosure completed many weeks ago. I had tried to back-out of this purchase contract a month ago, because i was alarmed by the incompetence displayed by the loan-broker & lender during the first month of escrow ... but my real estate agent informed me that refund of my initial 3 % deposit would be subject to arbitration, so we kept moving forward with a second month of escrow. 

Meanwhile, I 'm still waiting for the loan to be completed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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: TX

Complaint narrative:
wrote letters to all 3 credit bureaus ... accounts on that are not mine ... was told these were verified ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
wrote letters to all 3 credit bureaus ... accounts on that are not mine ... was told these were verified ....

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 2017-10-25 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: First Associates Loan Servicing LLC
State: FL

Complaint narrative:
I am in the process of trying to purchase a home, I spoke with a mortgage representative on XX/XX/XXXX and they pulled my credit, on XX/XX/XXXX, I spoke with a credit repair specialist that deals with the mortgage company, after looking at all of my credit reports advised me of what I would need to take care off. I noticed that on my payment activity there was an account listed as First Associates, student loans and that I was past due over 180 days and that I owed over {$3700.00}. I contacted the company and they advised me this was a student loan from XX/XX/XXXX and that the original loan was in the amount of {$1500.00}. I asked what the additional amount was and I was told late fees and interest. I explained to them that I was not aware of this loan and that I never took an online certificate class. They advised me that this loan was correct and that it needed to be taken care of. Because I am trying to purchase a home, I asked if they could give me a settlement, even take off the late charges and interest and that I would be willing to pay the {$1500.00}, they advised me no and that the interest and late charges would continue to accrue. I asked them if I could make payment arrangements so that the fees could stop and so that I can pay it off and they advised that I can make payments, however, the fees will not stop and that they will continue to add up. I have paid {$700.00} since my conversation with them 1 month ago which should put my account at {$3000.00} instead, my account is listed at {$3100.00} and on my credit report it is still showing 34 missed payments and it is not reflecting that the balance is decreasing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Credit Reporting Bureau Experian is reporting an unauthorized account on my report that has been proven by the collection company that they do not service the account after it was disputed.

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 2017-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a previous complaint on Transunion and they responded and it was closed. 

According to the Fair Credit Reporting Act, Transunion is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that are reporting on the credit report. Otherwise, anyone paying for their reporting services could fax, mail, or email in a fraudulent account resulting in an inaccurate credit report.

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