vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Credit Acceptance, LLC
State: SC

Complaint narrative:
On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to American Credit Acceptance which was received on XX/XX/XXXXat XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe since I never recall establishing an account with American Credit Acceptance. American Credit Acceptance has not provided any means of documentation period. No chain of command, application, or contract, containing my signature has been provided on behalf of American Credit Acceptance which is a requirement in the court of law. American Credit Acceptance continues to violate the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One and I have continued to have a tumultuous relationship. I have only had 1 credit card with them. Due to personal reasons, I was unable to pay the balance. However, I still paid them the balance, but they continue to send me notices from other debt collection companies stating I owe them for a card that I 1 ) do not have, 2 ) paid off in XX/XX/XXXX, and 3 ) was never actually supposed to pay due to XXXX XXXX XXXX and unemployment. 

Their negligence and inability to provide proper service hindered my ability to return to XXXX XXXX in a timely manner, prevented me from securing housing at a pivotal time in my personal and business career, and to date, they have refused to acknowledge their faults. 

Additionally, they are not working against me with XXXX XXXX and XXXX   XXXX XXXX and XXXX as well as another auto dealer in XXXX XXXX XXXX. These 4 actors are, to this day, refusing to take credit for their negligent and fraudulent acts that have kept me from securing personal loans, a business vehicle, and other necessities required to get my personal and business life on track. I refuse to pay, or be the victim of sedition and libel for mistakes of agents that are unethical. 

The issues with my credit on the auto side originated at the XXXX XXXX branch. I met with a business banker and explained my ENTIRE business plan, and she, while kind, led me to believe that by doing a " soft '' credit check, there would be no hits to my credit by checking on a business vehicle. The actor following that transaction was XXXX " XXXX '' at XXXX XXXX. He promised he would not use my credit and only use the information on the form from Capital One. However, once I arrived at the dealership, nothing could be further from the truth. These two companies, and these two actors, in conjunction with one another, are the reason I don't trust banks, auto dealers, and based on how hard XX/XX/XXXX has been, the auto industry in general.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
My mom was doing a refinance on her house with a va rider and I signed attorney in fact on loan on XX/XX/2015 then the next day XX/XX/2015 I canceled the refinance quicken loans accepted the cancellation and so did the va loans in Az well my mom passed away next thing I know I get a payment statement in mail I call quicken loans and told them the refinance was canceled on XX/XX/2015 I was still within the three day cancel period. 
They tell me Im liable for loan cause I signed attorney in fact. They tell me well since we know your mother is deceased we will transfer grant deed to your name. So they told me this in XX/XX/2015 they didnt keep there word they foreclosed on the house after I had paid payments

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: AR

Complaint narrative:
On XXXX I sent a certified letter ( tracking # XXXX to Ability Recovery Service which was received on XXXX at XXXX. The letter sent requested proof of contract or applications obligating me to this debt this company claims I owe since I never recall establishing an account with the creditor in question. Ability Recovery Service has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of Ability Recovery Service. Ability Recovery Service is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.

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 2018-11-05 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: TX

Complaint narrative:
Ever since my credit has been reported, it has been incorrect. I have attempted to fix it at various points in my life. However, the companies refuse to take any action. I have called, repeatedly, I have sent correspondence to confirm inaccuracies, repeatedly, but the companies continue to treat me as if I am lying about my own situations. My situations with the credit agencies has been heavily documented by myself and their agencies. I have a copy of each time I have attempted to repair inaccuracies on their part, but nothing has changed. The fact is, ever since I XXXX XXXX XXXX XXXX, the agencies have placed more and more obstacles in my way. Since the beginning, I wanted to use my XXXX XXXX to build wealth and fix problems. Once the debt collection community, business community, and others saw my tenacious spirit, they have done nothing more than heckle and make it even harder to reach my full potential. As I have stated in all of my other complaints, I refuse to let them continue to dictate the direction of my life now, and at any other point in my future. 

Transunion customer service is garbage. I've talked to other people of other ethnicities, other ages, etc. and I know, FOR A FACT, they do not treat all similarly situated individuals the same. For this, I am ashamed of their inability to follow through with the requirements of the FCRA. This is not, currently, a class action suit, but, I have enough know how, and backing to make it one.

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 2018-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: WV

Complaint narrative:
in XX/XX/XXXX my husband took a loan out for a double wide wish was XXXX XXXX dollars at the time he had been ill and had received XXXX after working in XXXX XXXX for 19 years was told he couldn't take insurance out,,, he passed in XX/XX/XXXX I thought it was a 20 year long come to find out its a 30 year loan he was taken advantage of and ive been paying it every since they act like they was going to change it to 20 never did a [ n the mean time they chaged to ditech is there anything I can do concerning this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Ever since my credit has been reported, it has been incorrect. I have attempted to fix it at various points in my life. However, the companies refuse to take any action. I have called, repeatedly, I have sent correspondence to confirm inaccuracies, repeatedly, but the companies continue to treat me as if I am lying about my own situations. My situations with the credit agencies has been heavily documented by myself and their agencies. I have a copy of each time I have attempted to repair inaccuracies on their part, but nothing has changed. The fact is, ever since I XXXX XXXX XXXX XXXX, the agencies have placed more and more obstacles in my way. Since the beginning, I wanted to use my XXXX XXXX to build wealth and fix problems. Once the debt collection community, business community, and others saw my tenacious spirit, they have done nothing more than heckle and make it even harder to reach my full potential. As I have stated in all of my other complaints, I refuse to let them continue to dictate the direction of my life now, and at any other point in my future. 

XXXX customer service is garbage. I've talked to other people of other ethnicities, other ages, etc. and I know, FOR A FACT, they do not treat all similarly situated individuals the same. For this, I am ashamed of their inability to follow through with the requirements of the FCRA. This is not, currently, a class action suit, but, I have enough know how, and backing to make it one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Ocwen is and was in clear violation of the XX/XX/XXXX settlement with the CFPB when it comes to loan modifications. When I applied for a loan modification in XX/XX/XXXX, they verbally denied my request to reduce the principal balance on the mortgage WITHOUT sending a licensed appraiser to the property to inspect it, verbally telling me that I did not qualify. I did not receive a denial letter in the mail and they would only speak to me through my estranged wife who wasnt even on the mortgage. Since the foreclosure and subsequent sheriff 's sale, I have done a little bit of research on the property in question. During my research, I have found that they had the property listed on XXXX for 452 days, which part of that time was during my Automatic Stay with my Chapter XXXX bankruptcy. The documents provided will show this and also show that the sale price of the property in question was highly inflated and they did not modify my principal balance to reflect this, hoping to reap as much money as they could out of me. 

During the last complaint I filed against Ocwen, the Ombudsmen would only provide the paperwork that they deemed necessary. They did not provide the actual applications for modification to show that I asked, on different occasions, for a reduction in principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
As I stated in a previous complaint, XXXX XXXX ( once managed by XXXX XXXX XXXX XXXX, and XXXX, NOW CURRENTLY managed by XXXX XXXX ) has been unfairly discriminating against me since I moved in and out of their terrible apartment community. 

Their community is infested with bugs, vermin, and the like ( both people and animals ). I had a horrible time attempting to fix issues that started with their improper leasing and discriminatory acts. The actors responsible include " XXXX XXXX '' previous agent and the current leasing agents. While I do not remember all of their names, I have documented proof of their racial animus and bias. 

I moved in. They checked my credit twice, without asking the second time. There were issues with my health and I attempted to pay them on time, each time, but their partner in crime, XXXX and others, internet portal NEVER worked on payday. Even though their systems did not work, and this was due to their negligence and improper communication, they refused to take responsibility for their actions. I confronted the front desk staff multiple times, initially, they were " kind '' and offered rebates but never offered to take full account for their errors. About a month or two before I moved out, I was told the company was sold to XXXX and that any continuing issues needed to be taken up with them. 

This is categorically unfair as well because PREVIOUS PAYMENT arrangements were discussed with the previous leasing agents, but the current, and subsequent, refused to check their records and acknowledge their faults. Each time I went in the office they were " doing audits '', but they could never accurately describe the issues with my payment UNTIL, they " decided '' to evict me. My payments, if the system would have worked, would have never been late, I had ONE noise violation, while others, often times were louder than me. I was promised when the lease was signed a quiet environment to conduct business and personal behavior, BUT, that never happened either. 

ALL in ALL XXXX XXXX is trash. Their leasing department is racist. You can even check their website. It states they welcome ADA individuals and the like, but they treated me, my illness, my puppy assistant ( XXXX ) and I as if we were a problem, when if you ask anyone else in that community, we were nothing but nice. I don't appreciate a false eviction on my record, nor do I appreciate a new debt collector attempting to recover debts that were the product of racism and negligence in the first place.

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 2018-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: AR

Complaint narrative:
On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to Enhanced Recovery Company which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. Enhanced Recovery Company has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of Enhanced Recovery Company. Enhanced Recovery Company is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I deposited a XXXX XXXX cashier 's check for {$17000.00} at my XXXX, MD Bank of America branch on XX/XX/2018. I deposited it at the drive up ATM because this bank has permanently closed it 's drive thru window. My receipt acknowledged the deposit and had no notification of any type of " hold ''. I also checked my account on XX/XX/2018 and it verified my deposit with an available balance of {$17000.00}. On XX/XX/2018 I wrote a check for {$4700.00} to pay county property taxes. Then, without warning or notification, on XX/XX/XXXX, Bank of America placed a " hold '' on my check until XX/XX/2018. Now, I have been embarrassed with a returned check and will be charged a penalty fee by the county ; and to add insult to injury, charged a {$35.00} returned check fee by Bank of America. I called BOA customer service department XX/XX/XXXX and spoke to XXXX and her manager, XXXX to no avail. They told me that they or no one in their company could remove the hold. I know it doesn't take 10 days to verify clearance of a bank cashier 's check ; totally outrageous!

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 monetary relief
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I got a phone from XXXX, as previously mentioned in numerous complaints through the BBB, XXXX themselves, and XXXX XXXX. I got a new phone and a speaker at the time of the contract. I was unable to pay. Later, I paid the phone off, to switch providers. To this day, I get mail from CONVERGENT and XXXX stating I owe them XXXX. 

XXXX can check their own system to show the phone is paid off. I don't owe them anything. 

Due to their negligence, seditious acts, and the like, I currently do not own a cell phone AT ALL, because each time I activate a new phone I get 3-4 bills from XXXX, XXXX, and most recently XXXX XXXX XXXX attempting to get me to pay for old services that have been paid off. I refuse to continue to purchase services, only to be hit over the head with a new bill about old services I've already paid.

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 2018-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc.
State: AR

Complaint narrative:
On XX/XX/XXXX I sent a certified letter to NCC Business Services Inc. which was received on XX/XX/XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe since I never recalled establishing an account NCC Business Services or the creditor in question. NCC Business Services has failed to provide any means of validation. No chain of command, application, or contract, containing my signature has been provided on behalf of NCC Business Services which is required under the court of law. NCC Business Services is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
My name is XXXX XXXX XXXX, this is in reference to my credit report. Currently my credit report shows 1 collection for Portfolio Recovery Associates, LLC ( XXXX XXXX ) account # XXXX in the amount of {$740.00}. This amount was paid in full in XX/XX/2018. Request that to company notify the credit bureau of the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Global Portfolio Recovery, LLC
State: AZ

Complaint narrative:
This is a time barred debt and is beyond the statute. This company refuses to remove it from my credit bureaus but it is now over 6 years old and was opened in XX/XX/XXXX. I gave evidence of same and they continue to state it was opened in XX/XX/XXXX which is incorrect. It needs to be removed from my credit bureaus and they need to cease collection activity as I am unemployed due to no fault of my own. I also have a XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Comerica
State: KY

Complaint narrative:
I'm on XXXX my check go to XXXX they have my money and I can't get it. Called them and they said it was happening to a lot of people and they were trying to fix it 3 daysstill not fix and can't pay my rent or bills try calling again and there not taking call please hehp soon

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
This is a time barred debt and is beyond the statute. This company refuses to remove it from my credit bureaus but it is now over 6 years old and was opened in XXXX. I gave evidence of same and they continue to state it was opened in XXXX which is incorrect. It needs to be removed from my credit bureaus and they need to cease collection activity as I am unemployed due to no fault of my own. I also have a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: KY

Complaint narrative:
On XX/XX/XXXX I made a payment of {$20000.00} on my mortgage. Clearly written on the check was " Extra to principal ''. This should have resulted in {$890.00} for the XX/XX/XXXX payment, and a {$19000.00} principal payment. Selene Finance did not do that. They took the XX/XX/XXXX payment, then took a XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payment, each at {$890.00}, then applied {$16000.00} to the principal. I called them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time they say the issue will be fixed, but have yet to fix it. My requests to speak to someone else have been denied. I keep speaking to the same " manager ''  who tells me it will be fixed, but refuses to tell me when or provide me with the name and number of someone who can fix the problem.

Company response to consumer: Closed with explanation