vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
I am desperately looking for a rental property for my family because the owner sold our current residence and we have to be completely moved out by  XXXX   XXXX . Before I started sending application for rental properties I decided to print a copy of my Free Annual Credit Report on  XXXX   XXXX ,  XXXX . I was surprise to see that I have an account in "  Collection  Account. {$720.00} past due as of  XXXX   XXXX . '' I ca n't have this on my credit report! Every Renta l Property Management and Own  er  of a rental properties pulls that report. I called the company and talk to a couple of representatives. I was advice to make a police report and send them a copy. I did that but my family and I still have n't found a place to live. I was told that the account was opened thru the internet as a loan and the money was deposited directly to my account on  XXXX   XXXX ,  XXXX  with my old address that was foreclosed on  XXXX   XXXX ,  XXXX . I guess, I was not able to pick-up all my personal information. One more thing, I filed chapter  XXXX  that was discharged  XXXX   XXXX . How come this account did not show up when I filed for bankruptcy. The company said that they are going to look into it and that they will call me in a couple of weeks. I really need that account to be deleted. Can someone help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Advanced Collection Bureau, Inc.
State: AL

Complaint narrative:
XXXX   XXXX   XXXX  debt collection for T   XXXX   XXXX   XXXX   XXXX   has not sent me verification of the debt. I am requesting a breakdown of the charges from the  original creditor, sign rental agreement from the creditor, payment history from the creditor, verification of the debt. They are required by law too send me the documents not just validation of the debt a billing statement with my name. I keep disputing but the collection agency does not reply too my list.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I paid my   XXXX   2017   payme nt on  X/XX/17 .  I paid my   XXXX  2017    payment with  XXXX  on     X/XX/17  and   XXXX  on  X/XX/17   . Ocwen put both payments in a suspense account and did not apply them as a payment. I sent  XXXX  on  XX/XX/XXXX  and  XXXX  on   XX/XX/XXXX  a nd Ocwen returned both of them stating that I was 3 months behind on my mortgage and had to pay the entire balance at  one  time. They still show I have  XXXX  in a suspense account but give me no credit towards the balance needed to be paid. They have assessed fees over  1000 because  I am  three  months behind.

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 2017-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: MI

Complaint narrative:
My  XXXX   XXXX  was sent to  Harris & Harris   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , IL  XXXX . I have turned my  XXXX  services back on in my name with the  XXXX  that I owe on my bill. I have given them a total of  XXXX   XXXX / XXXX / 17  confirmation number for the  XXXX  payment is  XXXX  # confirmation no. For  XXXX  payment is  XXXX  # my balance is  XXXX . That will be worked into my bill monthly with my re acquiring bills. So I want to have this taken off my  XXXX . I 'm working it out between  XXXX  and  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 2017-05-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
I have contacted  Jcpenny  's bank to make them aware, I was not receiving monthly statements. I would receive random emails about payments due. The emails request for payments, which were exceptionally inflated. I ask to be removed from the online billing. So, I can receive my bills in the mail. This was never done. As, a result I do n't get monthly bills and my account is being reported delinquent on my credit. I have been assessed late fees because of the banks error. This has been happening for  awhile.I  requested for the correction but no resolution has been provided.

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 2017-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Guglielmo and Associates
State: AZ

Complaint narrative:
The company i work for which is  XXXX  garnish my wages for a company called Guglielmo and Associates. I was a victim of identity theft, however since i knew who stole my identity i decided not to fight the judgement and pay the creditor. However, according to my pay statement I paid the creditor in full for the amount of  XXXX  in the month of  XXXX . However, as of  XXXX  the company i work for began garnishing me for the same debt again which is supposed to be paid already.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: CA

Complaint narrative:
THIS WAS RESOLVED YEARS AGO WITH  XXXX  FOR {$270.00} WHICH I DO N'T KNOW WHY I OWE BECAUSE I PAID MY BILL IN FULL THEN YOUR COMPANY BROUGHT THIS ACCOUNT AND PUT A NEW DATE ON IT LIKE IT JUST HAPPEN THIS WAS OVER 9+ YEARS AGO I 'M WITH THE COMPANY THAT BROUGHT  XXXX  AND IF I OWED ANY MONEY YOU WOULD THINK THEY WOULD HAVE NOT GRANTED ME SERVICE, FOR AS I 'M CONCERNED YOUR COMPANY IS JUST OUT HERE DOING WRONG TO HARD WORKING AMERICAN AND NOT DOING YOUR JOB CORRECTLY JUST PUTTING ITEMS ON PEOPLE ACCOUNTS.   I DO N'T HAVE ANY PAPERWORK SHOWING ME HOW THIS {$270.00} BILL WAS CALCULATED SO I SUPPOSE TO JUST PAY FOR SOMETHING I DO N'T OWE, COMPANY MAKE MISTAKE ALSO LIKE  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 2017-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Seterus, Inc.
State: MD

Complaint narrative:
I have complained once to the CFPB..    Seterus  continues to not apply any credits to my account so that I can see what is left. I am told I have a {$160.00} credit left after payoff. I am trying to get this resolved by  XXXX . I want to make sure this is done before my property tax/homeowner ins is submitted. My family purchased this house in  1961 . This is the most important treasure I have left from my Mother/Father except my son. I need to them to STOP sending me different payoff letters. They have more than enough to pay my last mortgage payment. They continue to let my suspense credit just sit in limbo and not apply to my balance. I have attached all the documentation that was sent to me.

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 2017-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Guglielmo and Associates
State: AZ

Complaint narrative:
The company i work for which is   XXXX   garnish my wages for a company called Guglielmo and Associates. I was a victim of identity theft, however since i knew who stole my identity i decided not to fight the judgement and pay the creditor. However, according to my pay statement I paid the creditor in full for the amount of  XXXX  in the month of  XXXX . However, as of  XXXX  the company i work for began garnishing me for the same debt again which is supposed to be paid already.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: DC

Complaint narrative:
I 've been a customer of the  Barclays   XXXX   XXXX  Mastercard for 4 years ( opened  XXXX / XXXX / XXXX  ) and requested a lower interest rate on  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX , and have been denied both times with no explanation as to why my interest rate has continually been the highest.     My first statement with them shows an interest rate of 24.99 %, however the advertised rates online are " 16.74 %, 20.74 % or 25.74 %, based on your creditworthiness. '' I requested a copy of my original agreement, but was told they can not send it to me.     My current interest rate is 25.74 %. Currently, my balance is {$7500.00}. Every time I make a payment, interest is charged shortly after in almost the same amount as the payment ( i.e. Payment in  XXXX  of {$170.00} on  XXXX , Interest Charged on  XXXX  of {$150.00} ; Payment in  XXXX  of {$200.00} on  XXXX , Interest Charged on  XXXX  of {$170.00} ). I was laid off twice in  XXXX , was unemployed from  XXXX  to  XXXX , but still making payments, but the interest just killed whatever progress I was making on paying down the card.     After calling to complain and threatening to close my account, I was told they periodically monitor my account for lower rates. The representative said there was a lower rate available to me of 24.74 %, so 1 % lower was all they could offer me after being a customer since  XXXX . In addition, the benefits that were available when I signed up were discontinued, but I was still paying more in fees that when I star  ted ( i.e. no more companion passes ).
There is no way I can get out of this debt!! This just seems like predatory lending. I get less benefits than when I started, my interest rate always goes up, never down, and I although my credit score a  t the time of application was considered good (  XXXX  range ), I was offered the highest interest rate they offer.

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 2017-05-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have    XXXX   inquiries on my credit report six days apart how is that possible if I only applied for one time.  I did not authorize the other hard pull on my credit report  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , SD  XXXX  (  XXXX  )  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , SD  XXXX  (  XXXX  )  XXXX  Please Resolve

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 2017-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I have received repeated calls from Transworld systems Inc. This is been going on for over  six m onths. I have called them several times and found that they are attempting to collect a debt from my husband 's ex wife. I have repeatedly told them that I do not know where she is and that I am not her. The calls have not stopped. Their phone number is  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
I have paid for mortgage modification in   XXXX    2016.  My grandmother passed away at the end of   XXXX    in 2016 we   were approved for modification and started our trial payments   XXXX    2016 with s uccessfully completed  the trail w e receive the final modification documents in  XXXX  however they were in my grandmother 's name. I am there I am the executor of her estate and I called nation star mortgage to find out how to sign the documents they told me to sign them as my name, executor now they 're explaining that I 'm not able to do that and I have to reapply I reapplied on   XXXX   XXXX   and they still have no decision they have not acknowledged my application for modification they have not canceled the existing modification and now my mortgage  is five months b ehind they will not except  one pa yment and I need some assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
There are inaccurate hard inquiries on my credit report. A couple of the companies I am doing business with such as the finance company for my car, but the hard inquiry is reporting for the following year after I purchased my car. There are inquiries that are reporting with companies I 've never had any dealings with. I 've reached out to all  XXXX  major credit bureaus more tha n 10 times  explaining the info is inaccurate. Equifax constantly states that there 's nothing they could do, and the other ones as well. This situation is inhibiting me from moving forward with my credit as well as attempting to purchase a new home. Besides the inquiries, I 've noticed a couple things in collections that have reappeared that was once removed and proved to not be correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are inaccurate hard inquiries on my credit report. A couple of the companies I am doing business with such as the finance company for my car, but the hard inquiry is reporting for the following year after I purchased my car. There are inquiries that are reporting with companies I 've never had any dealings with. I 've reached out to all  XXXX  major credit bureaus more th an 10 times  explaining the info is inaccurate.   XXXX   constantly states that there 's nothing they could do, and the other ones as well. This situation is inhibiting me from moving forward with my credit as well as attempting to purchase a new home. Besides the inquiries, I 've noticed a couple things in collections that have reappeared that was once removed and proved to not be correct.

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 2017-05-18 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: IL

Complaint narrative:
There are inaccurate hard inquiries on my credit report. A couple of the companies I am doing business with such as the finance company for my car, but the hard inquiry is reporting for the following year after I purchased my car. There are inquiries that are reporting with companies I 've never had any dealings with. I 've reached out to all  XXXX  major credit bureaus more tha n 10 time s explaining the info is inaccurate.   XXXX    constantly states that there 's nothing they could do, and the other ones as well. This situation is inhibiting me from moving forward with my credit as well as attempting to purchase a new home. Besides the inquiries, I 've noticed a couple things in collections that have reappeared that was once removed and proved to not be correct.

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 2017-05-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have an inquire on my report I did not authorize   XXXX  / XXXX  I. nquiry   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
XX/XX/XXXX   XXXX   XXXX    Requested a " Stop Junction '' from Ocwen Mtg. Selling my home on the court house steps. After illegally FORECLOSING!!!
Judge award  ed   XXXX   XXXX   .from pri nciple, {$47000.00} from areages & REPAIR CREDIT, of which they NEVER DID.   Come  XX/XX/XXXX , They IllegalLY FORECLOSED ONCE AGAIN!!!   CAUSING HAVOC ON MY SM. BUSINE SS ; ( OCWEN ADDED A SERVICING FEE, OF OVER {$9000.00} WHICH GREW TO {$18.00}. THAT IS WHEN THEY TOLD ME TO " PAY OR QUIT ''. AFTER 6 YRS. HAVING SHOWN PROOF OF 12  payment 's, GOING BACK FROM  XX/XX/XXXX , ONLY   HAVING PROVED them to have been notarized, front & Back, THAT THIS MT   G. FIRM, Ocwen HAD BEEN EMBEZZLING my HOUSE PAYMENT 'S!!! NEVER HAD I BEEN GIVEN CREDIT. THEY CONTINUOUSLY ASK FOR PROOF OF PAYMENT FROM PREVIOUS MONTHS. MY     BUSINESS    NOW, OVER 20YRS, WHICH I
  XXXX   XXXX   OWN & OPERATE   HAVE SUFFERED IMMENSELY : ( NOT MENTIONING MY HEALTH IS NOW   FAILING DUE TO   XXXX  !!! I 've CONTEMPLATED SERIOUS ACT 'S ONLY HAVING REALIZED, THIS PLACE IS TEMPORARY!

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 2017-05-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The credit report accuracy dispute process does not allow for a dispute in regards to improper handling of credit inquiries by the agency. It is my understanding that the CFPB requires agencies to consider multiple mortgage loan inquiries within a 45 day time period to be classified as only a single hard inquiry. Equifax has both of the following inquiries noted as separate hard inquiries even though both are for the same mortgage loan.  One  is from  XXXX  and the other from   XXXX   XXXX   XXXX   XXXX  . I can not dispute this directly with them as their process only addresses individually reported items, not classification errors.      EQUIFAX CREDIT IN QUIRIES  XXXX   Inquiry    XXXX   XXXX   XXXX      XXXX /  XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I submitted a letter to t he Credit Agencies abo ut inquiries on my credit report that I do not recall authorizing and that I do not have active accounts for from those companies who made inquiries on my credit. I also sent all the required information to confirm my identity : name, address, dob, social security number, proof of residence, and proof of identity. I received a letter from Experian asking me to send proof of identity which I sent with all of the original information. This is a stall static and I am dissatisfied with their efforts to verify or remove the inquiries.

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 2017-05-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My spouse and I filed a Chapter  XXXX  in  XXXX   XXXX  and it was dismissed in  XXXX   XXXX  after we decided not to continue with it. No debts were dismissed or renegotiated. Equifax still shows this filing on both of our credit reports after over 9 years from filing and dismissal of said filing. What is the rule regarding removing a Chapter  XXXX  filing from a credit report? Is there consistency across the industry regarding the removal from a credit file?     I filed a dispute with Equifax hoping they would remove it but  XXXX  verified that the entry on my credit report is correct as stated.

Company response to consumer: Closed with explanation