vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
I have had a home loan mortgage with OCWEN, I TOOK OUT THE EQUITY OF MY HOUSE 12 PLUS YEARS AGO, TOTAL REPAYMENT WAS {$78000.00} AS OF TODAY I AM IN DEBT TO THEM {$74000.00} I HAVE BEEN PAYING {$530.00} FOR OVER 12 YEARS, I HAVE ASKED FOR A MODIFICATION, TOP BE TOLD TO HOLD ON, THEN THE PAPERS WHERE IN THE MAIL, THE PAERS NEVER CAME. I HAVE ASKED FOR HELP, IN TEN YEARS I HAVE PAID OVER {$58000.00} BUT MY LOAN BALANCE HAS STAYED IN THE {$74000.00} AMOUNT IT HAS NOT DECREASED, AT ALL, THIS IS TERRIBLE, I FEEL LIKE I AM GETTING NO WHERE, ALSO THEY ARE NOT REPORTING TO THE CREDIT BUREAUS AT, ON MY CREDIT REPORT. I FEEL THEY ARE PREDATORY LENDERS. THEY WILL NOT GIVE ME AN UPDATED AMOUNT OWED. IF I HAVE PAID ON THIS LOAN FOR OVER 12YRS, WHY DO I STILL OWE {$70000.00}. WHY DO THEY THREATEN ME WITH FORECLOSURE. 
MY INCOME IS {$620.00} A MONTH, AND MY HOUSE MORTGAGE PAYMENT IS {$530.00}. I AM ASKING TO MODIFY PAYMENTS, BASED OFF OF MY INCOME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
hello, I have a first mortgage with wellsfargo, i was unable to pay my mortgage from XX/XX/XXXX of this year to XX/XX/XXXX due to lack of employment and or low income employment I went through a " loan modification '' process with wells fargo the during the modification process I informed wellsfargo that I secured a full time job with the XXXX paying a good salary and my start date is XX/XX/18 for some reason they did not submit my offer letter with the modification and told me I was denied modification and would have to go through the process again. I went through the modification and also submitted the offer letter as well as a pay stub. I was told I was denied modification because the " investor '' does not allow a second modification with in a 5 year period, I asked them why did they not tell me this from the beginning? they stated they are not allowed to. the income that I am making plus my rental income will more than enough cover any modification they may have, I even asked them how about a separate payment plan to pay of the XXXX balance which I can do in 16 months. they did not respond to that. they ask me if I want to keep my place but it seems they are not trying to help me keep my place. please help!

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 2018-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: PA

Complaint narrative:
AArgon Collection Agency Open Date XX/XX/XXXX amount {$520.00} XXXX XXXX Open Date XX/XX/XXXX amount {$590.00} XXXX XXXX Open Date XX/XX/XXXX amount {$1300.00} XXXX XXXX Open Date XX/XX/XXXX amount {$500.00} XXXX XXXX Open XX/XX/XXXX amount {$630.00} XXXX XXXX XXXX Open Date XX/XX/XXXX amount {$860.00} Second Round Open Date XX/XX/XXXX amount {$430.00}

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 explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Contacted Wells Fargo informing them that I received a copy of my credit report and noticed some unauthorized inquiries made twice for the dates of XX/XX/XXXX and twice on XX/XX/XXXX total of four inquiries all together ... CSR then informed me to fax a letter over to the Credit Bureau Inquiry Department fax XXXX Case number XXXX. I faxed the information requested on XX/XX/XXXX and still haven't been resolved.

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 2018-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: DE

Complaint narrative:
I paid this account off on XX/XX/2018 paid and Full with Convergent outsourcing via XXXX Convergent gave me a settlement of {$62.00} out of the {$200.00} that was originally owned I paid it into two installments {$12.00} on XX/XX/18 & {$50.00} on XX/XX/2018 I gotten two emails from XXXX showing proof that they got the money Also conformation Number that is was paid I called XXXX on XX/XX/2018 An agent called convergent to verify that it was indeed paid I requested it to be removed off of my credit report And theyre still say I owe and its 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 2018-10-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Roycroft Management
State: OH

Complaint narrative:
They did not send a written validation notice ... .they contacted and left message with a family member ... no mailing address was given ( theirs ) ... no collection license # given ... the account id number they gave me:XXXX ... {$310.00} (?? ) owed ... threatened to send someone to my home ... no email given to me ... names : XXXX XXXX, XXXX XXXX ( xt # XXXX ), XXXX XXXX ... XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-03 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My name is XXXX XXXX and I had moved to XXXX and lived there since XX/XX/2015 But I had noticed That someone had opened multiple creditcards and not paid after I had moved out. These accounts all are not mine.

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 2018-10-03 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 — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Barclays Bank XXXX XXXX has reported me as late in XXXX. This occurred, after multiple calls on recorded lines. I called them in XXXX to report a hardship. They set me up with an agreed upon payment plan which I met the terms to. Then they reported me as being late. When I called twice, I was told that I was reported late because I didnt make the regular psyment. Even though I paid what we agreed to they told me I should have know I would be reported late. At no time, again on a recorded line did they ever mention they would report me late. They just wanted my payment and had no intention of living up to what we agreed to as the assisted me during a hard time. After my second time on the phone trying to have the late payment removed I was told there was nothing they could do so I closed a 14 year account. Simply said, they operate in a unethical way. On other calls I had after XXXX they told me if I made a large payment I would be caught up. I did just that paying {$400.00} in a XXXX to once again be lied to as I still wasnt caught up. Thats when I canceled. I did everything they asked and each time they never stated I would be reported late until they did so. I would like the calls to be listened to from XXXX on which will prove all I say. Simply they are again very unethical as thats not how you do businsss when a 14 year customer asks for assistance.

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 2018-10-03 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: DISCOVER BANK
State: CA

Complaint narrative:
My name is XXXX XXXX and I had moved to XXXX and lived there since XX/XX/2015 But I had noticed That someone had opened multiple credit cards and not paid. These accounts all are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03 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 — Investigation took more than 30 days
Company: LEXISNEXIS
State: NC

Complaint narrative:
I wanted XXXX XXXX to validate the accuracy of what they was reporting on my credit report. Sent them 2 letters the XXXX letter was on XX/XX/XXXX they didn't respond within 30 days, 2nd letter was on XX/XX/XXXX they didn't respond within 30 days. Now they send me a letter saying for me to contact XXXX, XXXX, and XXXX myself to figure out what happened. I disputed with XXXX XXXX not the other 3 agencies, also was not notified of investigation status or results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bass & Associates, P.C., Attorneys at Law
State: CA

Complaint narrative:
On approximately XX/XX/XXXX, My wife took out a loan with XXXX XXXX XXXX XXXX to pay for a XXXX vacuum cleaner. First payment was paid on XX/XX/XXXX. After a few payments we wanted to pay off this high interest loan. So I took out a loan from my XXXX XXXX ( k ) to pay off this high interest loan. My wife XXXX XXXX XXXX XXXX to pay off the loan, via telephone. She made a payment of {$1500.00} to satisfy the loan. Then two years later on XX/XX/XXXX received a letter from XXXX XXXX. Stating that there was a remaining balance of {$61.00}. That was never paid and now there is a balance of {$560.00}, that includes late charges. I told financial services that I refuse to pay this amount. It doesnt make sense for me to take out a loan from my 401k to pay off balance of {$1500.00} and leave a remaining balance of {$61.00}. And if that was the case why did you take them two years to contact me about the remaining {$61.00}. They refused to work with me and only wanted to negotiate on a settlement and payment plan to pay for the {$560.00}. So now the have transferred my supposedly debt to Bass & Associates ... I contacted Bass & associates and explained my predicament. I offered to send them my paperwork I received from consumer financial. The best they could do was to lower amount lower amount by {$110.00} and offered me a payment plan ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
I have a loan with Chrysler Capital. My car was flooded out and my insurance company paid their part. The finance company sent me the bill. I said why so much. I asked them for a record of my payments. Upon receiving the report, I noticed that the first 12 payments went to interest. XXXX x XXXX XXXX dollars. They stated that was simple interest. I said that is not simple interest. They still have me owing XXXX dollars on the car. I wrote them and no one has replied to my letter or phone calls. They just keep calling for payments. They sent me a copy of my contract, so small you can not read it. I asked for a readable copy, not yet. This all happened XX/XX/2018. This is affecting my credit scor and purchasing power. What to do. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX Credit card account with Capital One XXXX was discharged by them and closed after I suffered critical XXXX issues required XXXX  for XXXX and unemployment in XXXX. They sent me letter in 2018 as confirmed was closed and wrote off. No balance owed. 

XXXX XXXX XXXX is now incorrectly reporting on my XXXX report this charged off Capital One account as this account being " Open '' and balance owed of {$330.00}. 

Capital One XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JPL Recovery Solutions
State: CA

Complaint narrative:
Ive received harassing phone calls, multiple times a day, company refuses to identify who they work for and request information about me ( social, birthdate etc. ). They have contacted my employer multiple times a day including my immediate family and children. I have spoken to the woman claiming to be XXXX XXXX and asked that she no longer contact me and to address any issues via mail. She continues to call multiple times a day to myself, employer and relatives. Company will not state thei babe and their number dies not match any company on XXXX. Their phone number is : XXXX XXXX I would like to file a complaint due to the numerous calls of harassment that are threatening my employment. Please help. 

Calls have been 7xs a day for the past 7 days starting on XX/XX/2018 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Braviant Holdings, LLC
State: OH

Complaint narrative:
They did not send a written validation notice ... .they contacted and left message with a family member ... no mailing address was given ( theirs ) ... no collection license # given ... the account id number they gave XXXX ... {$310.00} (?? ) owed ... threatened to send someone to my home ... no email given to me ... names : XXXX XXXX, XXXX XXXX ( xt # XXXX XXXX, XXXX XXXX ... XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Payment was scheduled online in XXXX for the scheduled due date. Payment was scheduled to be the full amount of the balance due. He payment was credited t the account, and debited to my checking account, but Chase would not credit my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV FUNDING LLC Open Date XX/XX/2018 Amount {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are bankruptcies on my credit report which are report inaccurately. I called the court to clear up the mistake and I received a letter that says they do not report to credit agencies. It is illegal for third parties to report bankruptcies on my report.Because these errors are reported by third party entities I can not correct these issues. I wish to have these items removed from my credit report. I have included the dates and times I have contacted the bureaus to explain these issues and they claim they have verified the information. However, I have a letter directly from the court stating that they do not verify this information.

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 2018-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I don't have any accounts with this company and have never done business with them. This information should not be on my credit profile. I reached out to have the account closed but it still appears on my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
My Bank of America XXXX  card was fraudulently used on XX/XX/18 at XXXX XXXX I am not sure how the card number was obtain by a person I do not know. I called the XXXX XXXX to report fraudulent use. I also called Bank of America Visa to report fraudulent use. This incident was immediately resolved. Bank of America sent me a new credit card. I received the next statement on XX/XX/18 and another fraudulent use of my card was used on XX/XX/18 at XXXX XXXX XXXX. The charge was made with my original credit card number, per the account number on my statement ( this statement had two account numbers the old and the new ). I called XXXX XXXX to inquire about the charge and state it was fraudulent. XXXX XXXX agreed and said they would remove the charge. 

I called Bank of America to report the charge and cancel the credit card on XX/XX/18, the day I received the credit card statement. Bank of America would not cancel my credit card account. They said it had to stay open during the investigation and I disagreed with this process. A week later on XX/XX/18, I received an email from Bank of America telling me a new credit card is on the way. I did not request a third, new credit card and want to close this account to stop the fraudulent activity. Speaking with Bank of America on XX/XX/18 I found out that my call to report the fraudulent activity on XX/XX/18 from the charge made on XX/XX/18 was not documented by Bank of America and the account was not frozen, as the associate told me would happen. 

I do not want a Bank of America credit card. I do not want to pay for the fraudulent {$73.00} charge and then have Bank of America refund me the money. I just want to pay the balance of my charges and close the account and be done with Bank of America.

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 2018-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: IN

Complaint narrative:
Trusted Id sent me my report showing that there was a collection on my file. This is from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Tx. The amount is for XXXX dollars. I have no idea who this is or what the debt is for. Ive never done business with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I don't have any accounts with this company and have never done business with them. This information should not be on my credit profile. I reached out to have the account closed but it still appears on my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX joint checking with over XXXXin it. We moved upstate and had our mail going to a XXXX XXXX , social security checks were being direct deposited. Social security stopped the deposits because of lack of address. On Friday XX/XX/30 I went to my citibank branch XXXX XXXX XXXX XXXX Ny XXXX & the lady told me my account was closed. They called the manager and allegedly he said hed mail me a check. They wouldnt tell me who authorized closure, when it was closed. I never received notice to my P.O. BOX of closure. My XXXX went up to dangerous levelsXXXX. I had to leave the bank as I felt myself getting XXXX & I had my wife with me & she has XXXX. I couldnt afford to lose it. I was given a number & told to call In 48hrs. Im dictating this letter to my daughter to submit In case I get worse. I need this bank investigated and I want our money.

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 2018-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I don't have any accounts with this company and have never done business with them. This information should not be on my credit profile. I reached out to have the account closed but it still appears on my profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Second Round Limited Partnership, Austin, TX Branch
State: PA

Complaint narrative:
I don't have any accounts with this company and have never done business with them. This information should not be on my credit profile. I reached out to have the account closed but it still appears on my profile.

Company response to consumer: Closed with explanation