vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-04 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: Ocwen Financial Corporation
State: FL

Complaint narrative:
Ocwen Loan Servicing sent me a letter dated XX/XX/XXXX, stating : As of XX/XX/XXXX, you are 3264 days delinquent on your mortgage loan. Your account first became delinquent on XX/XX/XXXX. 

I agree that the last payment I made on the mortgage account they purport to service was XX/XX/XXXX, so the date of first delinquency is XX/XX/XXXX. 

Last month, Ocwen made the following statement in a letter : Our records indicate that on XX/XX/XXXX, we have processed adjustments and rolled the due dates from XX/XX/XXXX to XX/XX/XXXX in order to apply the funds toward the interest and escrow only. 

My position : Any adjustments Ocwen processed to my account on XX/XX/XXXX have no bearing on the underlying fact of my last payment date and the date of first delinquency. I made no payment after your XX/XX/XXXX letter, and therefore the date of first delinquency remains XX/XX/XXXX. 

Ocwen appears to have created unilateral adjustments for the purpose of bringing forward the date of first delinquency, so that they can continue to report this account. Its CRA reporting is illegal under FCRA Sections 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( C ), and willfully fraudulent. The following guidance provided by the Federal Trade Commission supports my position : If you are a debt collector furnishing information to a CRA about the accounts of a creditor, you must report the date of delinquency given to you by the creditor. FCRA 623 ( a ) ( 5 ) ( A ) This date of delinquency determines how long the debt can be reported on a consumer 's credit report. Generally, a CRA may report a delinquent debt for seven years from the date of delinquency. If the debt was discharged in bankruptcy, however, a CRA may report it for 10 years. 

[ Y ] ou have legal obligations under the FCRAs Furnisher Rule. Your responsibilities include furnishing information that is accurate and complete, and investigating consumer disputes about the accuracy of information you provide. 

As a rule, its illegal to report information that you know or believe is inaccurate. You have reasonable cause to believe that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: NV

Complaint narrative:
I have an unverified account from RECEIVABLES PERFORMANCE. I had previously disputed this account. I have never done business with RECEIVABLES PERFORMANCE. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that RECEIVABLES PERFORMANCE provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that RECEIVABLES PERFORMANCE Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2018-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Sent XXXX XXXX XXXX a letter asking for validation of debt with the original application from XXXX. Because I contacted XXXX and they said they don't have any accounts for me other than my XXXX XXXX and XXXX Unlimited Memberships. Been trying to resolve this issue due to my employment requiring my credit be clean. This company is jeopardizing my ability to earn a living. I have already file an complaint with the FTC and Identity Theft, gov and I have hired a firm specializing in resolving credit issues. I should not have to come out of pocket to clear up something that it would take all of 5 minutes for MCM is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: CA

Complaint narrative:
I was seen by a doctor in a emergency room. My insurance paid the debt in full. The doctor tried to balance bill me in error. I sent the explanation of benefits to the debt collector to prove I did not owe the debt in question. They keep telling me that they are waiting for the original creditors response. I have been waiting over 30 days for them to remove this from my credit report ( since sending E.O.B ). The account is over 2 years old and I have been disputing this account for over 1 year.

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 2018-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
When I try to start a dispute, I get a message that my information does not match when does match my credit report. I was given access to pay {$15.00} a month for the monitoring service that lets me update my report once a month but I can not dispute the information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: FL

Complaint narrative:
Experian continue to provide false information and now is stating that XXXX XXXX does not report the XXXX Bankruptcy but they are reporting to them that the bankruptcy is correct. I was informed by the representative that the XXXX Chapter XXXX Bankruptcy is still showing on my credit report and it can not be removed until XXXX XXXX sends them a letter stating it needs to be removed. 

Experian representative stated although I submitted the letter from Lexis Nexis dated XX/XX/XXXX showing XXXX XXXX has removed the Bankruptcy from their records, The need a letter from XXXX XXXX telling them to remove the Bankruptcy. 

I'm not sure what XXXX XXXX is reporting to them but Experian is the only Credit reporting Agency that is reporting this false information while all the other reporting agencies conducted an investigation and removed it from the report. Every time I contact Experian I get a different representative who continue to states it has been reported a verified. One Representative states information verified from the Court,  when asked for documentation they have no documents, and the others are stating as per XXXX XXXX. When asked to speak with a supervisor, all calls are transferred to a voice mail of XXXX/XXXX  I'm requesting CFPB investigate what Experian is doing and assist me in seeking monetary damages for their actions. I have contacted the media to go public so other consumers who are going through the same issues could purse a class action claim against Experian.

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 2018-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: IL

Complaint narrative:
I have a credit card ( ending in XXXX ) with Discover Bank. 

There have been several issue with this card and Discover is handling this very poorly. 
My credit line is {$3300.00}. A couple of weeks ago, I paid for some airlines tickets ( total $ 1,600.00+ ) through XXXX , so my balance was a little higher than that. That means I still had approximately {$1200.00} credit. 
Due to some glitch ( es ), either on the XXXX or the Discover side, a duplicate charge for the same amount showed up on the credit card which effectively went over my credit limit. It stayed there, pending for approximately 1 week before Discover/XXXX  removed it. Discover said it wasn't them, that it was the merchant although I still can't figure out why they'd let them attempt to charge me twice without texting me about either of the charges to approved or deny ( as they've done in the past ). 
Finally, the duplicate charge was removed after about 7-8 days which means I still had approximately {$1200.00} in credit. 
I had a couple of charges from other merchants that got rejected because of the XXXX charges. But now I hoped I could start paying bills. Well, not really. Because even though my credit should be the one mentioned above, Discover says I only have {$6.00} credit. There are no charges on my card and as you can seen, the billing activity only shows $ 1,700+ in charges. As of now, it looks like my card has been blocked due to these various issues for about 10 days. 
I don't understand why Discover keeps doing this. It's not only bad math and that's alarming enough coming from a credit card company but it's an unfair, sneaky, misleading practice that is putting me in danger of incurring late charges from merchants that I can't pay because of this problem. 
Why was I not protected from the duplicate charge from XXXX? Once that got removed, why is my credit only {$6.00} when it's supposed to be {$1200.00}? Why is Discover taking so long to update my account and why am I not being notified of potential issues with my credit line? 
Again, this is not the first time this has happened. Even though Discover says I have credit for XXXX, I've seen that when I go over {$2000.00}, my credit gets blocked. When I ask questions, their explanations usually seem designed to shut me up or mislead me as to what's really happening with my credit. 
I want my card unblocked and my account updated with my real credit line. If my credit line is really only {$2000.00}, then why is Discover making me think it's {$3300.00} and then doesn't let charges go through? And I would really like real time updates to my account history and more expediency resolving billing/transaction issues ( not 8, not 10 days to resolve seemingly simple issues ). 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
There a XXXX card that i never apply for under my name it was open on XX/XX/2016 i never had a XXXX credit i been asking XXXX   to remove i even told XXXX it was fraud but equitable wont remove me also there a XXXX inquire on my report and i dont have XXXX they close the account beacause it was fraud but they wont remove it from my account XXXX and 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 non-monetary relief
Consumer complaint received 2018-06-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: IN

Complaint narrative:
First of all, my account was put on certified funds last XX/XX/XXXX due to what the Caliber Home Loans said was multiple NSF fees. They took out two payments in XX/XX/XXXX when I cancelled one before it was processed, however, it was still taken out. I then called my bank and put in a complaint. I then paid our XXXX payment by XX/XX/XXXX and received an email about a week later stating they are waiting for payment. I just thought there was a glitch so I resubmitted. Well during all this, Caliber said they were getting an NSF fee. We had more than enough money to cover {$530.00}. I called our bank, XXXX XXXX XXXX, and they said you have received no NSF fee and have money to cover it. They have also faxed numerous letters stating this. Caliber still would not release the certified funds only from the account. 

Second, during the loan modification process, it took almost 60 days before they said they received a full package. They kept stating they had everything to make a full package, then a few days later, they would say oh we need this now. I finally received a decision, via mail, that stated I was eligible for a forbearance. I owe XX/XX/XXXX-XX/XX/XXXX + all attorney fees, which totals {$5900.00}. However, they are stating start XX/XX/XXXX I pay {$1400.00} + {$530.00} ( regular monthly mortgage payment ) until XX/XX/XXXX. I take {$14000.00} x 6 = {$8500.00}, which is to pay what is owed previously. I have called to ask where the {$2600.00} is going. One SPOC stated is was an interest bearing loan. I know this is incorrect. Another SPOC could not tell me. I have asked if the LM underwriter can take a look to verify these amounts as I feel they are incorrect. I also make {$3300.00} NET and having a monthly payment of almost {$2000.00} is unreasonable, in my opinion. I have only {$1300.00} to get all my other bills paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I want to file a complaint against the above four companies for harassment and continued negative reporting of the same creditor information after the items have been removed from my credit report. The debts from the original creditors date back to about XX/XX/2012 and have continued to remain on my credit since then. I have gone through the dispute process numerous times with all three of the credit bureaus and have had success in the past with the items removal from my credit reports. However, the collection process has continued steadily over the years in the form of phone calls to my cell phone, calls to my place of employment, threatening letters in the mail despite cease-and-desist letters I responded with and extremely detrimental damage to my credit reports. Aside from these 4 collection items on my credit, the reports reflect only good items including on-time payment history, length of credit, etc. 
My goal is to have these 4 companies reprimanded and reported for having violated the Fair Credit Reporting Act and the Fair Debt Collection Practices Act on several occasions and in several different areas and to have the collection items permanently removed from my credit report from all three credit bureaus. 
I have the necessary documentation to support my allegations and will provide it, if requested. I have been working very hard to fix my credit to improve my quality of life for myself and my children but these 4 collection companies have ruined and continue to obstruct my efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Hello, Im submitting this complaint to XXXX XXXX XXXX. because this company keeps on calling me. When I finally picked up the phone to see who it was, it was that company XXXX XXXX XXXX. They told me that I owed in a XXXX XXXX credit card from XXXX XXXX XXXX dollars and that account was 2 years old and closed. This account doesnt even show up in my credit report so it doesnt make any sense for them to be calling me to try to scam me. This call happened on XX/XX/2018 when I picked up the phone. The person, s name is XXXX XXXX from XXXX XXXX XXXX. I want them to stop calling me for something that I dont owe. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jon Barry and Associates, Inc.
State: MS

Complaint narrative:
( XXXX ) The debt collector could not give me the details about the bill that I was asking for and would not stop talking and listen to me long enough for me to get the clients account number so I can figure out if it was a facilities charge or the doctor 's billing. I need to know what I am paying. He threatened that it will continue to stay on my credit and he will tell the client that I am not willing to pay even though I told him I will pay the bill as long as I know what I am paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
Rushmore was repaid in late XX/XX/XXXX for past due amounts totally {$18000.00}. This repayment included CORPORATE ADVANCES for {$5700.00}. Foreclosure fees of {$410.00}. 
I made my first payment to them in XX/XX/XXXX for XXXX and ask for update payoff in which I received. 
My update payoff included another CORPORATE ADVANCE fee of {$750.00}. 

I am XXXX years old and have this property listed with my realtor in which I DEMAND Rushmore refund me ALL CORPORATE advances due to DODD FRANK rules and REMOVE the XXXX current charge on my payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: MB FINANCIAL, INC.
State: NY

Complaint narrative:
I sent every month a check to you guys towards a payment for my account now I sent out a payment on XX/XX/XXXX as usual now I got a note from XXXX XXXX XXXX that they will close my account so what happened was that by the time the check was cashed by you my XXXX XXXX XXXX account was closed so you were not able to deposit this check now I didnt know about this until the following month so I thought I sent out my check and I thought that everything was fine so now the following month I figure out about it and I right away send out a check to you but that was to late if I remember correctly it was 1 day after the 30 days that you guys received my check

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: MT

Complaint narrative:
I am a XXXX XXXX assisting my client ( XXXX XXXX, loan # XXXX ) through the process of correcting his default on his mortgage loan. Our company has tried several time to get vendor paperwork completed in order to submit payment on our client behalf. 

On XX/XX/XXXX ; 2nd party authorization was sent along with vendor paperwork via fax and email. 

Beginning of XX/XX/XXXX, I called to verify that the paperwork was received by LoanCare. The agent who I spoke to stated that the paper work was received and would be 7 - 10 business days to process. 

In addition, XXXX XXXX submitted his regular payment, which was returned to him without explanation. 

XX/XX/XXXX ; I called to follow up with the paperwork that was sent as our company hadn't received a response. XXXX at LoanCare stated that the paperwork must have gotten mistaken as just the 2nd party authorization. She also stated that there was no notes entered for the conversation that took place at the beginning of XX/XX/XXXX. She resubmitted the vendor paperwork and stated that it will take 2-3 business days. 
I also addressed the question of why his payment was returned to him. The response was that LoanCare will only accept no less than half the amount owed, approximately {$4000.00}. 

XX/XX/XXXX - I called LoanCare to follow up with the Vendor paperwork that was resubmitted by XXXX at LoanCare. They couldn't find where the paperwork was submitted. I asked what I had to do to submit it. I emailed the paperwork to XXXX and received a email response that gave me a reference/ticket number : XXXX. 

XX/XX/XXXX - I called LoanCare to follow up with the vendor paperwork that I submitted on XX/XX/XXXX. The agent who answered ( Agent ID # XXXX ) verified the loan #, address, etc. of client I was calling for, and also verified other party authorization. I asked her about the paperwork that submitted in order for our company to send in payment, she put me on hold. 
At XXXX, another agent for on the phone and went through the whole verification process, only she didn't find the other party authorization. I stated when we sent that in and that I have been authorized previously. She put me on hold. 
33 minutes into the call, XXXX # XXXX answered and went through the verification process and other party authorization. She stated that the company name was entered wrong on the attachments and that maybe why I wasn't authorized. After explaining once again why I was calling, she put me on hold to see if she could get a customer support representative on the line to assist me. She did check on me twice while on hold. 
After 1 hour and 5 minutes, I still did not receive any clarification or answers. XXXX did forward my information to her manager, XXXX to look over.

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