vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This complaint is regarding Wells Fargo Bank and the servicing of my mortgage loan. 

I have two mortgage accounts. One payment is in the amount of {$1700.00} and the second is {$1200.00}. I used the online web portal to schedule payments for XXXX. There was some software glitch that resulted in one mortgage payment posting. 

My credit score has been above 750 points plus, I have never missed a payment or made late payment. I have 1359 payments on time showing on my report. 
I was not contacted by the company about the missed payment I have spent 35 days trying to correct the issue the lender is reporting my delinquent to the credit bureau severely impacting my credit. 
Ive been a customer since 2009 using the same log in information I want to spread awareness about this issue as this company is exploiting good customers who make on time payments. I thought when I reported the bug someone would use common sense and logic to asses the account. I logged in on XX/XX/XXXX to make payments just as I do every month. The only thing different that I noticed is the logo and website looked like it had gone through an upgrade. The XXXX XXXX is saying there is no evidence of my making a payment. Im requesting them to look at my log in and my payment history. Why would I log in to my account and make one mortgage payment and ignore the second payment. I experienced an issue with their portal and instead of believing a good customer with over XXXX in accounts. Their resolution team is accusing me that I didnt make a payment because I cant prove it. I never had an issue with the online website before. Whatever occurred happened on XX/XX/XXXX. All I am asking is for my payment date to be corrected to XX/XX/XXXX and credit bureaus updated to remove the 30 day delinquency and the record to reflect my payment was made on time. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX, TRANSUNION, XXXX, I RECEIVED A LETTER STATING THAT I WAS A VICTIM OF YOUR CREDIT BREECH. ( XXXX, TRANSUNION ) I HAVE BEEN DISPUTING ACCOUNTS OPENED IN MY NAME THAT IS FRAUDULENT AS WELL AS FRAUDULENT INQURIES. AS OF THIS DAY NONE OF THE ACCOUNTS HAVE BEEN REMOVED NOR THE INQUIRIES. ACCORDING TO THE FCRA ACT, 15 U.S.C.1681 SECTION 609A1 A YOU ARE REQURED BY LAW TO VERIFY - THROUGH THE PHYSICAL VERIFICTION OF THE ORIGINALSIGNED CONSUMER CONTRACT, ANY AND ALL ACCOUNTS YOU POST TO A CREDIT REPORT. I SENT A SIGNED AFFIDAVIT IN XX/XX/2019. INDICATING THAT THE FOLLOWING ACCOUNTS ARE NOT MINE. I HAVE SINCE WAITED ON THE SUPPORTING DOCUMENTS ( SIGNED CONTRACT ) BY ME. I AM ASKING AGAIN BEFORE I CONTACT THE FCRA TO PLEASE REMOVE ALL UNVERIFIED ACCOUNTS FROM ALL 3 CREDIT BUREAUS .IF NOT YOU ARE IN VIOLATION OF 15U.S.C.1681YOU ARE REQUIRED UNDER FEDERAL LAW TO HAVE A COPY OF THE ORIGINAL CREDITORSDOCUMENTATION ON FILE. THIS IS MY SECOND REQUEST TO REMOVE THESE UNVERFIED ACCOUNTS BEFORE I FILE A COMPLAINT WITH THE FCRA. OR PROVIDE ME PROOF WITH MY SIGNATURE AUTHORIZING THESE ACCOUTS ALL OF THESE ACCOUNTS WERE OPENED FRAUDULENT AND ONLINE. 

XXXX XXXX XXXX XXXX XXXX XXXX   /XXXX XXXX XXXX VXXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: NV

Complaint narrative:
XXXX, XXXX, EXPERIAN, I RECEIVED A LETTER STATING THAT I WAS A VICTIM OF YOUR CREDIT BREECH. ( XXXX, XXXX ) I HAVE BEEN DISPUTING ACCOUNTS OPENED IN MY NAME THAT IS FRAUDULENT AS WELL AS FRAUDULENT INQURIES. AS OF THIS DAY NONE OF THE ACCOUNTS HAVE BEEN REMOVED NOR THE INQUIRIES. ACCORDING TO THE FCRA ACT, 15 U.S.C.1681 SECTION 609A1 A YOU ARE REQURED BY LAW TO VERIFY - THROUGH THE PHYSICAL VERIFICTION OF THE ORIGINALSIGNED CONSUMER CONTRACT, ANY AND ALL ACCOUNTS YOU POST TO A CREDIT REPORT. I SENT A SIGNED AFFIDAVIT IN XX/XX/2019. INDICATING THAT THE FOLLOWING ACCOUNTS ARE NOT MINE. I HAVE SINCE WAITED ON THE SUPPORTING DOCUMENTS ( SIGNED CONTRACT ) BY ME. I AM ASKING AGAIN BEFORE I CONTACT THE FCRA TO PLEASE REMOVE ALL UNVERIFIED ACCOUNTS FROM ALL 3 CREDIT BUREAUS .IF NOT YOU ARE IN VIOLATION OF 15U.S.C.1681YOU ARE REQUIRED UNDER FEDERAL LAW TO HAVE A COPY OF THE ORIGINAL CREDITORSDOCUMENTATION ON FILE. THIS IS MY SECOND REQUEST TO REMOVE THESE UNVERFIED ACCOUNTS BEFORE I FILE A COMPLAINT WITH THE FCRA. OR PROVIDE ME PROOF WITH MY SIGNATURE AUTHORIZING THESE ACCOUTS ALL OF THESE ACCOUNTS WERE OPENED FRAUDULENT AND ONLINE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: First Technology Federal Credit Union
State: OR

Complaint narrative:
The total was for {$56.00}. I never received product I paid for, and have yet to receive the product. I will never receive it as I was scammed. I informed my bank (XX/XX/2019 ) of this and was issued provisional funds nearly two weeks after my initial inquiry -- this is the default wait time given for an automatic fund release, meaning it was probably not looked at by anyone, or if it was it took them two weeks to take action. Nearly a month later ( XX/XX/2019 ) I was informed that my bank was " unable to process this claim '' and the money was removed from my account putting me at risk for being over drawn. The given reply implies they didn't accept or refuse the dispute, but that it was simply not processed. I was informed they needed more information, so I called and gave the representative the requested info. I was told no further action was required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: AR

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX is reporting two accounts they can not validate I owe them money. They have failed to provide name and address of the alleged creditor, alleged debtor, alleged account number, address on file for the alleged debtor, the alleged debt amount, date alleged debt became payable, date of original charge off or delinquency. They have not advised if the debt was assigned to the XXXX XXXX, XXXX, or purchased. They have not provided the amount of debt was purchased. 

They are reporting to the three reporting agencies the accounts as recently opened when they have reported the two accounts for years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: AR

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX is reporting two accounts they can not validate I owe them money. They have failed to provide name and address of the alleged creditor, alleged debtor, alleged account number, address on file for the alleged debtor, the alleged debt amount, date alleged debt became payable, date of original charge off or delinquency. They have not advised if the debt was assigned to the XXXX XXXX, XXXX, or purchased. They have not provided the amount of debt was purchased. 

They are reporting to the three reporting agencies the accounts as recently opened when they have reported the two accounts for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
TRANSUNION I RECENTLY RECEIVED INFORMATION STATING THAT MY SS # WAS PART OF A DATA BREECH. I AM A VICTIM OF IDENITY THEFT AS WELL. I CONTACTED YOUR COMPANY IN XX/XX/XXXX REQUESTING FRAUDULENT INQUIRIES ON MY CREDIT REPORT. AND THEY STILL REMAIN ON MY CREDIT REPORT I HAVE CONTACTED THESE COMPANIES AND STILL THEY REMAIN ON MY CREDIT REPORT. ACCORDING TO THE FCRA YOU CAN NOT REPORT INACCURACIES OR UNAUTHORIZED INQUIRIES ON A CONSUMER CREDIT FILE. I AM ASKING FOR IMMEDIATE REMOVAL OF THESE FRAUDULENT INQUIRIES OR YOU WILL BE IN VIOLATION OF SECTION 617 FOR NEGLIGENCE .PLEASE REMOVE THE FOLLOWING FRAUULENT INQUIRIES ASAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX X 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Dear To Whom This May Concern, I am presenting this letter before you with true facts, documents, and recorded conversations that were made with permission which will be attached to this letter that can prove and confirm everything that is being presented is true.

I am sending documentation of my Petition For Review that I made for the Supreme Court Of California which has been denied without even being looked at, I find this to be outrageous and this is before the Superior Court Of XXXX XXXX in XXXX California, XXXX XXXX XXXX. XXXX throughout my case without leads to amend. If you do not know what this means, this means I can not go back to the courts and fix anything, my case has been dismissed, so now I had to appeal to the Appellant Court in which I did. And they also dismissed my case. 

This all has to do with my lending company who is Ocwen Loan Servicing. Ocwen Loan Servicing chose me, I did not choose Ocwen, I do not have a choice in who owns my homes mortgage. Ocwen Loan Servicing is rated as one of the worst companies in the world with an F rating in the XXXX XXXX XXXX, sued by the XXXX XXXX XXXX investigation for XXXX XXXX dollars and won. And also, Ocwen has a federal lawsuit pending since XXXX and Ocwen has over 300,000 complaints and numerous lawsuits and unlawful foreclosures in 49 states for fraud. 
All I am trying to do, in all of the courts I have been through, having to hire several lawyers, which has cost me thousands and thousands of dollars all because I am trying to defend my home from Ocwen Loan Servicings dishonest, unethical, unlawful, misleading, fraudulent business tactics that are being used to steal my home to enrich Ocwens greedy pockets, which is forcing my family and me in a destitute state of homelessness. 

This is something that I want to bring attention to, How can a company be convicted of all these fraudulent acts, have hundreds of thousands of complaints, being known to be a fraudulent company, convicted of fraud, be able to buy, purchase or inquire my homes mortgage and rain havoc upon me and my family since XXXX. For eleven years, I have been going through this. How can any of this be legal? 

This is my first and only home. Ocwen does not just steal homes, they destroy families. 

This has got to stop. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Regional Management Corporation
State: NC

Complaint narrative:
Account was paid in full since XXXX once company had informed me of other accounts associated to me. Id agreed to pay the account under the impression that it would be removed from my credit report. Id made the payment despite of my financial hardship due to my sons hospitalization. Its been inaccurate reporting to a couple of major credit report bureaus making it impossible for me to fulfill my dreams for better opportunities for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
The mortgage account is in the name of my Wife XXXX XXXX, the deed is in the name of XXXX XXXX and myself XXXX XXXX In a nutshell-Mr Cooper bank sent my loan mod approval to an atty ( XXXX XXXX ) I had already fired. XXXX XXXX kept the information too long thus causing me to sign the papers late and therefore Mr Cooper bank declared that I turned down the loan mod. and bank would not reconsider. During this process of getting the documents signed by XXXX XXXX, I SPOKE TO I think XXXX XXXX by tel. who approved a 30 day extension from the day we spoke and arranged for a notary to come to our home for the signatures. 
The notary came to my house to acknowledge the signing ( by my wife ) and in turn would retain and submit the documents to Mr Cooper. Begs the question- why send the notary to my house for signatures if the docs are not to be accepted??? 
The longer version : In XX/XX/XXXX I called XXXX XXXX XXXX to say that we would be hiring a new atty because we felt he was incompetent and he was not aware that my property had a foreclosure date pending in 3 days while he was in the airport to go to XXXX XXXX. I hired a bankruptcy attorney immediately. 
We called Mr Cooper bank when the Bankruptcy was complete around XX/XX/XXXX to start a Loan Mod. We were assisted by XXXX ( a non profit ). The package was quickly submitted, During the approval waiting period on many occasions Mr Cooper bank was constantly notified by telephone that XXXX XXXX was not representing us and there was no atty. This had to be done many times because it would ALWAYS come up on conversation when my wife and I called the Mr Cooper bank. Even as far back as XX/XX/XXXX the Bankruptcy atty was in XXXX with Mr Cooper bank, so I XXXX XXXX. The bank at the time was Nationstar ( now known as Mr Cooper ). dont understand why the Mr Cooper bank went back to contacting XXXX XXXX XXXX. ( the non Bankruptcy atty ). On preliminary approval Mr Cooper bank dictated the pymt amount and dates of the 3trial payments. The payments were acknowledged to be received on time. Then Mr Cooper bank sometime around XX/XX/XXXX sent the approval letters ( for signatures ) to the non bankruptcy atty. 
WHY? WHY to this guy? he was not my atty and the bank had been verbally notified. The incompetent XXXX XXXX was also TOLD several times to notify the Mr Cooper bank but he didnt do so until XX/XX/XXXX. 
Due to the above incompetence by the Mr Cooper bank, my loan mod was denied. My loan was soon transferred to XXXX XXXX XXXX. 
Now Im still fighting to get a loan mod approved but XXXX has denied it even though I told them the problem and my family income is higher than while at Mr Cooper. XXXX is telling me to appeal but things are only stronger than while at Mr Cooper. Why is this happening?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: DISCOVER BANK
State: HI

Complaint narrative:
I was charged {$5000.00} on XX/XX/XXXX by ( XXXX XXXX ). I did not receive the services that was promised. I tried to work it out with the owner XXXX XXXX after filing a complaint in XX/XX/XXXX. I have record of all of our correspondence including his admission that his poor business decisions were not my problem ( from email dated XX/XX/XXXX ) and he would be in breach of contract if he did not deliver the product by XX/XX/XXXX ( from email dated XX/XX/XXXX ). When i held him to this and offered him the option of a payment plan, he became very aggressive and refused to cooperate. He claimed that he had been waiting for my response which I believe to be untrue. I had no problem receiving his email when I filed the first complaint or his responses after. He then stated he would consider the matter closed and deliver the product mid XX/XX/XXXX ( from an email dated XX/XX/XXXX ) which i have not received to this date. I even went to the website he provided me that was to track all of our correspondences which I am unable to log into. You can find this information in our entire email correspondence that I have attached. If XXXX XXXX refuses to issue a full refund, i will make a formal consumer complaint in the state of California and Hawaii.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Credence keeps calling me for debt collection for XXXX XXXX XXXX. But I called XXXX XXXX XXXX and XXXX XXXX XXXX told me all accounts have been payed and that I should dis regard the calls from credence. Credence keeps calling me and I dont know what to do. The guy in the phone started getting very annoyed with me because I wouldnt pay. It felt like he was harassing me. I was never notified by XXXX XXXX XXXX that I even owe this money. Something doesnt seem right. I feel like Im being scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALEXANDER-ROSE ASSOC, INC.
State: TX

Complaint narrative:
I disputed the full amount owed of @ XXXX to Alexander Rose a collection agency for XXXX XXXX   XXXX. I was illegally forced out of my apartment by XXXX XXXX management and Alexander Rose agency and the XXXX XXXX management have refused to validate my dispute and only keep providing the same information over and over. I have made severAL attempts since XX/XX/2019 to have the debt amounts validated and I have not received a proper dispute answer. I have then asked Alexander Rose agency to remove the debt and they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2019, I submitted and mailed a certified letter to Experian for which they signed for on XX/XX/2019 regarding negative information reported by XXXX XXXX XXXX, Bankruptcy chapter XXXX-discharge in the file they maintain under my Social Security number. I challenged the accuracy, compliance and reportability of the listing and their Method of Verification. Experian failed to investigate with in the 30 day required by Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
I was charged {$4900.00} on XX/XX/XXXX by ( XXXX XXXX ). I did not receive the services that was promised. I tried to work it out with the owner XXXX XXXX after filing an complaint in XXXX. I have record of all of our correspondence including his admission that his poor business decisions were not my problem ( from email dated XX/XX/XXXX ) and he would be in breach of contract if he did not deliver the product by XX/XX/XXXX ( from email dated XX/XX/XXXX ). When i held him to this and offered him the option of a payment plan, he became very aggressive and refused to cooperate. He claimed that he had been waiting for my response which I believe to be untrue. I had no problem receiving his email when I filed the first complaint or his responses after. He then stated he would consider the matter closed and deliver the product mid XXXX, XXXX ( from an email dated XX/XX/XXXX ) which i have not received to this date. I even went to the website he provided me that was to track all of our correspondences which I am unable to log into. You can find this information in our entire email correspondence that I have attached. If XXXX XXXX refuses to issue a full refund, i will make a formal consumer complaint in the state of California and Hawaii.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: CA

Complaint narrative:
On XX/XX/2019 a letter was sent out asking that the collection account be removed from my credit report this letter also stated that they never sent a letter out notifying me of this debt and of the option to dispute it before being placed on my credit report. 

Original letter sent to company attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2019, I submitted and mailed a certified letter to Equifax for which they signed for on XX/XX/2019 regarding negative information reported by XXXX XXXX XXXX, Bankruptcy chapter XXXX-discharge in the file they maintain under my Social Security number. I challenged the accuracy, compliance and reportability of the listing and their Method of Verification. Equifax failed to investigate with in the 30 day required by Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation