vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
Dear Sir/Madam : At the outset please allow me to commend and thank you all at the Consumer Finance Protection Bureau ( CFPB ) of the fine and wonderful work you folks are doing on behalf of us, the consumers who are exploited and bullied constantly and routinely by the big bad boys ( and girls ) of the corrupt credit reporting agencies, ruthless debt collectors and greedy bankers/creditors. The fact that the Trump administration cut funding for the CFPB verges on the criminal ; the monetary cut it is totally unfair and unnecessary.

I sincerely pray the Trump team will reverse its decision and hopefully increase funding for the CFPB.

This is in reference to a collection account placed erroneously and illegally on my XXXX and XXXX   credit profiles by XXXX XXXX  of XXXX, CA, who bought the debt from XXXX XXXX XXXX.

Honestly, I do not recall obtaining a loan or credit from XXXX XXXX XXXX. So, I sent a letter requesting validation of the debt in question via certified mail with return receipt, to AWA on XX/XX/XXXX, and which was delivered to the recipient on XX/XX/XXXX. This, according to the USPS.COM website. The tracking number is:XXXX XXXX XXXX XXXX XXXX. To date I have not received any response from AWA. Their silence on this matter proves that the derogatory placed by AWA is illegal and in violation of the FDCPA and possibly the FCRA. The company did not delete the derogatory even though there are no grounds for it to be there.

In anger and frustration, I wrote to XXXX and XXXX about the non-response from AWA and requested them to delete the derogatory from my credit profiles. In violation of the FCRA the derogatory still exists on my above 2 credit profiles. The debt collectors and credit reporting agencies are in cahoots with each other against us the little consumers. They are very bad, ruthless, unethical and compassionless.

I am humbly beseeching you the powerful CFPB to reign in on these monsters in such a way that they follow the rules of law and not violate them every chance they get.

Please order XXXX and XXXX  to delete the collection account from my credit reports so I can move on with my life. This derogatory is like a huge wrench on my financial path. Additionally, I think, you have reasons enough to punish XX/XX/XXXX for breaking the consumer debt rules and laws.

Please note that I have uploaded for your review the communication that I had sent to XX/XX/XXXX on XX/XX/XXXX.

I thank you in advance for your time and efforts in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 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:
spoken with XXXX, XXXX, and experian on numerous occasions about my credit score dropping. my credit score was at XXXX then dropped to XXXX, and again on XX/XX/2018 to XXXX now as i stated before i pay for a service to monitor my credit score and or file but to have inconsistencies regarding my score dropping is unreal based upon me paying all my bills on time without delay and decreasing the overall debt ratio of my credit file.in addition i believe that they meaning reporting agencies are deliberately defarud me of my right as an consumer, by not reporting correctly however charging fees for inconsistent reports. i would like to be able to sue in federal court based upon deliberately reporting false information on my credit file and report to others. ABOUT ME AND MY WIFE

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 2018-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am highly concerned that Bank of America is deliberately obstructing the payment process for credit cards in order to collect late fees and other such penalties. During a 3 month change in employment I fell behind on several payments. After starting my new employment, I was contacted in the fall of XX/XX/2016 by a supervisor looking to " assist me in catching up ''. She arranged a 6 month payment plan of {$110.00} per month which I agreed to. I called within a few months to see if the hefty $ $ $ late fees could be slightly lowered since I was making payments. I was simply advised to continue making payments. Once the 6 months were up, I arranged for another payment plan of {$70.00} per months since my amount due was less HOWEVER, my total balance was significantly higher. I continued making the scheduled payments however, when the automatic payments expired again, I was suddenly unable to make payments online or arrange for another set of automatic payments. I then learned that my account was closed without notice. When I asked for proper communication of my account closure I was told that it's not something they disclose openly on statements. For over a year now, Bank of America has disabled my online payment capability AND any future schedule of payment. I am forced to call every month on the XXXX  day of the month to make a payment. On most calls I'm forced to wait much time, sometimes up to 30 minutes. Recently, while on a trip to XXXX, XXXX on XX/XX/XXXX, I called 3 times and each time the automated service said they were experiencing high call volumes. After the 3rd call and not getting through to anyone, I hung up. I am now receiving emails regarding late fees, and the amount due for the following month has doubled! Bank of America is causing much difficulties to pay this account and is simultaneously gaining additional fees from me unfairly.

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 2018-06-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
I was notified by Hunter Warfield through a posting of my credit report, on XX/XX/XXXX regarding an alleged debt for XXXX XXXX XXXX XXXX XXXX. I moved from these apartments ( after the lease ended & with 60 day notice ) XX/XX/XXXX.  Upon moving a walk through was done and the last month of rent was paid for market rent, due to management lying stating we did not give them notice ( which we didn't have to because our lease was complete and we were not going to renew ), we paid and moved. A walk through was complete with no incidentals, we cleaned the apartment and it was shampooed before we moved out. Now, XX/XX/XXXX Hunter Warfield posts a collection on my credit report stating we owe {$320.00}. I sent a certified letter ( that was received and signed for on XX/XX/XXXX @ XXXX to front desk/receptionist. I have yet to hear from anyone and I want this removed off of my credit report. It is a false claim from the apartment complex and I will file a lawsuit if I have to.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One will not allow me to link my accounts to a third party accounting service. Specifically, XXXX - XXXX XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I've requested several time with XXXX XXXX my servicer a mortgage modification based on my XXXX income. XXXX XXXX has been unwilling to reduce my house payment and has been very difficult to work with. I don't want to loose my home to foreclosure. 

XXXX XXXX refused to provide details on a repayment plan that was recently offered and they were also going to make a {$50000.00} Private mortgage insurance claim. My new mortgage payment was going to remain the same and I my mortgage payment was increased including my escrows being short.

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 2018-06-19 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I've contacted National Credit Systems on 3-4 occasions regarding incorrect reporting. I have a dispute through credit reporting the debt remains on my report. I did notify Rep the debt did not belong to me but my daughter and should not be on my credit. After speaking with an agent ( XXXX XXXX ) on each occasion, I was told there would be a packet sent to me regarding the dispute. I was not a co-signer. Have not recvd pocket. XXXX XXXX contacted me on XX/XX/2018 stating she had spoke with my daughter and my daughter would pay the debt. I again advised Rep the debt belonged only to my daughter and not me. I did mention to the Rep as my daughter did, I was considering filing Bankrupt and did not want the debt labelled as bankrupt showing on my daughter 's report. Rep stated again, my daughter had agreed to pay debt. The debt is in the amount of {$1800.00} placed in collections by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: TX

Complaint narrative:
sent a letter trying to collect with no license to collect in Texas which is illegal neither of the 2 creditors have the license

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I graduated from XXXX University in XX/XX/2005. I have been paying on my student loans, the same amount ( set up by them, mind you, not me! ) {$130.00} a month. Religiously. Until a short period of time a few years ago, when they called me because they found out that I had gone back to school to complete Master 's degree coursework and insisted that there was nothing to lose if I wanted to take a break from a period of payments. I was hesitant to oblige-I hope they still have our conversation recorded. The woman was insistent. Kept saying that it would be senseless if I didn't take the deal. I was at work about to make a very important sales call, and I didn't have time to talk, so I acquiesced.

Recently, when I got my tax form for them for this past year, I noticed I still had a balance of over {$10000.00}! My student loans TOTALED {$16000.00} over 12 years ago. So in over a decade of time ( reducing the 2 years that I may have had loan forgiveness ), I managed to pay off only {$6000.00}? How is that possible? I have never missed a payment, nor have I ever been late with anything involving a payment with ANY COMPANY. Never been late with a credit card, mortgage, or any bill. My credit is outstanding!!!

Not only that, but the one time I did get to speak to someone who hassled me about taking a loan forgiveness period, I told them I had no way to access my account to see my info. I didn't remember my login or password ( still don't ). And when I try to use my own social security number and birth date as proof of my identity on their website, they say that they can not find a login associated with my info. So I go to register, and the website tells me that since I already registered, I can not log in as a new user. I tried this again today, no dice, so I called. I got noone. I left my phone number and name for them to call me back, and when they did, it went to a survey??? But I had never even talked to anyone, and frankly, I am so done with this. I want to know where my money has gone. This student loan should have been paid off a long time ago. My original account coordinator set it up to be paid off in 10 years! Granted, they were with Sallie Mae ... .Please advise on what I can do. I feel like I have been robbed! And continue to get robbed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
THIS IS A QWR, QUALIFIED WRITTEN REQUESt, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, PLEASE, PLEASE, Provide all documents from the loan modification and family and name transfer of this loan between the dates of XX/XX/XXXX and XX/XX/XXXX. In addition please provide all documents from XX/XX/XXXX to XX/XX/XXXX the period of OCWEN Loan Servicing. I have made several request for this information without receiving this information. You have closed complaints as duplicates on several complaints submitted. As recent as today you submitted that you were making an interim response when you were in fact Closing the Complaint. As I submit this QWR QUALIFIED WRITTEN REQUEST, NOW on XX/XX/XXXX @ XXXX XXXX. OCWEN has not sent notice to me or the CFPB that you have closed the last complaint submitted XX/XX/XXXX as Complaint Closed with an explanation, The same explanation you continually lie and use to cover the mistakes you have made. 

What is ridiculous is this same information OCWEN is lying and denying is on file with the CFPB. 

Again, THIS IS A QWR, QUALIFIED WRITTEN REQUESt, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, PLEASE, PLEASE, Provide all documents transacted from XX/XX/XXXX to XX/XX/XXXX, in regards to this loan. 

OCWEN has reached a new low. You have provided only the original loan documents signed by my DECEASED DAUGHTER, originally signed XX/XX/XXXX. 

You have had this loan only since XX/XX/XXXX and the original request was for the transactions subject to the original complaint first filed. Trust that you will not get away with this. This will become my lifes work. I will now make everyone in this country aware of OCWEN who is not already aware of your hideous reputation for loan servicing errors and law suits and what you have done while lying slogan continues HELPING HOME OWNERS IS WHAT WE DO. 

THIS IS A QWR, QUALIFIED WRITTEN REQUESt, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, PLEASE, PLEASE, Provide all documents since XX/XX/XXXX when you started servicing this loan to XX/XX/XXXX, in addition to the loan modification and family transfer documents from my deceased daughters estate, and documents relating to the attempted transfer of this loan in a foreclosure status with {$13000.00} due upon transfer and documents relating to payments returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: CT

Complaint narrative:
Hello my name is XXXX XXXX. I purchased a money order in the amount of XXXX $ on XX/XX/XXXX for my rent. The place I rented " lost '' the money order so on XX/XX/XXXX I sent in the form for the refund and the requested money for the fees. I waited a month like they said and still no money order so I called they said they didn't get the form to send it by email so I did. I waited a month still no money order. So I called again and they said they just sent it out on the XXXX of last month Ok so I waited 30 days still no money order so I called again when I called they said it was sent out on the XXXX. I knowing that it's a different day then what they said last time said ok and Waited for a little. Last week I called them and asked where my refund was and they said they sent it out on the XXXX. I asked them to send the refund to the card used they said " it doesn't work like that '' even though the website says that it does work like that. They are trying not to give me the refund for the money order.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I tried to apply with a bank and was denied because of chex systems reporting. I've tried submitting a request disputing the negative items be it still remains on my 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
Consumer complaint received 2018-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: TX

Complaint narrative:
never heard anything now all the sudden I have 2 different collection companies for the same debt with no license in Texas to collect delete it now the statue of limitations is over my next step is sending this to my lawyer

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have been in an ongoing dispute with XXXX XXXX as I firmly believe that I don't owe anything to the credit their are representing. To the best of my knowledge, I have paid off XXXX XXXX XXXX for charges accumulated for my wedding. I have repeatedly asked XXXX XXXX XXXX for a copy of the statement that shows the transactions that add up to the amount they are charging me for, and I have yet to receive it. These communications have been verbally and I have mailed them validation letters. They have not been cooperative at all. I have sent letters to them ( XX/XX/XXXX, XX/XX/XXXX ), as well as the credit bureaus ( XX/XX/XXXX, XX/XX/XXXX ), disputing this item. I don't think I owe anything at all. And if I do, I'm confused on how its over {$1200.00}. Before I even consider working out some type of agreement with XXXX XXXX XXXX, I  demand a statement showing the billed charges so I can confirm or deny them. Until then, they have failed to provide proper validation of charges to justifiably add this account to my credit report. They sent me proof that XXXX XXXX XXXX has  contracted them to collect the debt on their behalf, but even that balance is different from what's being reported on my credit report. I am confused and they have done nothing to help me with this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: PA

Complaint narrative:
I have never had an account with XXXX. I attempted to reach out to Debt Recovery Solutions and which I asked for them to verify the account. They sent a bill and at that time I called and explained to them at that time I had another provider and there was no need for me to have them. I have continuously disputed this account because it does not belong to me. There was no identification shown or nothing to verify on legal paper I authorized this account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: TN

Complaint narrative:
Professional Adjustment has a bill from XXXX XXXX that is 6 years 6 months old and it still remains on my credit report. I will never pay this bill as medical treatment was not rendered by doctors, and it has been on my report over the allotted time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I ma seeking a receipt of a transaction between XX/XX/XXXX - XX/XX/XXXX and XXXX XXXX - XX/XX/XXXX. This item was a pressure cooker dollar amount $ 80- {$100.00}. I called credit today and after being verified was referred to JCPenney .com.

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 2018-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I went into a payment arrangement with XXXX XXXX on my credit card payment. I called them because I knew it would be difficult to make the payments over the next few months. We agreed to close the account and set up a payment of {$210.00} per month. The representative told me to pay {$280.00} then and my next payment would be {$210.00}. Fast forward to XX/XX/XXXX I am about to make my next payment when I see that my account shows I am 30 days late. I called to find out why and they said the account was carrying a balance due. I was never told about this balance or contacted I was behind. I found out after they reported me late. I called to have this late removed and they have refused. I told them I will no longer pay this account until they remove all negative reporting as it was false. They refuse to work with me and only tell me I can fax in my complaint and they have 30 days to respond.

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