vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH LN XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX We are filing a complaint regarding the processing of this short sale. The borrower 's wife died in XX/XX/XXXX, two months ago, leaving Mr. XXXX as a single father with XXXX small children. Mr. XXXX applied for a short sale on XX/XX/XXXX knowing he would not be able to afford the property any longer. We have been calling on the short sale every week, and we were told that on XX/XX/XXXX, the borrower was deemed ineligible for a loan mod due to low income and a short sale was opened. 

On each subsequent phone call, we were told that the short sale - specifically a SHORT SALE, not a loan modification - was under review that the package was deemed complete on XX/XX/XXXX. 


***PHH has already been FINED for dual tracking -- -- -- On XX/XX/XXXX they deemed the file complete, YET ON XX/XX/XXXX POSTED A FORECLOSURE DATE ON THIS PROPERTY -- -- THEY ARE STILL FORECLOSING ON THE PROPERTY DESPITE THE FILE BEING COMPLETE. DUAL-TRACKING IS ILLEGAL AND THIS NEEDS TO BE CORRECTED IMMEDIATELY. **** See attached Foreclosure Printout**** Then on XX/XX/XXXX, we were told that as of XX/XX/XXXX the borrower was approved under a loan modification trial. It is important to note that this borrower 's *****GROSS MONTHLY INCOME IS {$3400.00}. ******His MORTGAGE PAYMENTS TOTAL {$3600.00} PER MONTH, and his *****TOTAL MONTHLY EXPENSES ARE XXXX. Apart from the issue of being lied to - deliberately lied to - on several dates, PLEASE TELL ME **********HOW IN THE WORLD WOULD THIS QUALIFY HIM FOR ANY KIND OF MORTGAGE? THIS IS AGAINST EVERY UNDERWRITING GUIDELINE ON THE PLANET. ********* Mr. XXXX is extremely recently widowed with XXXX small children to care for, and I expect at the very least PHH to deal with us honestly, and not take advantage of his grief by putting him in a modification agreement that he very clearly can not meet. I want this short sale opened, and worked as I was told it would be on XX/XX/XXXX. I also want PHH fined to the maximum extent of the law, and prevented from doing business in the State of California. As evidenced by the MANY lawsuits and fines levied against PHH, they clearly have no interest in complying with federal and state law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I sent this company several letters asking them to verify this debt or remove it from my account. What they sent me back was just a letter with itemized charges that I allegedly owed. Theres no signed contract with my name or anything. That does not meet the federal trade Commissions guidelines of what constitutes proper debt validation! 
You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act.

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 2019-08-29 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
Someone took out 2 student loans in my ( former ) name on XX/XX/2019 through Navient Department of Education. I reported it to all 3 credit bureaus, FTC.gov and Navient and sent in the requested documentation to Navient. XXXX   informed me today that they are not resolving my disputes and it will not be removed from my credit report, as Navient states I took out the loans. I havent used the last name XXXX in 15 years, I am not in school, nor do I have any need for student loans, the address on the account is in TX and I have never lived in TX, and the phone number on the account is a SC number and I have never lived in SC. My XXXX score dropped over 20 points just since last month over this and I want it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Filed numerous disputes on removing bankruptcy from XXXX and Transunion XXXX and XX/XX/2019. Was told it was verified by XXXX I then reached out to XXXX XXXX XXXX speaking with XXXX explaining the issue. I was informed that there is no Bankruptcy in my file disclosure and on my behalf XXXX will submit a dispute regarding the incorrect information being reported to Transunion 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 explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
deposited a XXXX check from XXXX as I filed a compaint with CFPB against them for failing to pay me {$500.00} now I am trying to deposit that XXXX check made payable to me to directly to BOA. i deposited this bank check on XXXX. 

now i find out that BofA has the gull to hold on to that deposit for two weeks untill XXXX. 

i am now deciding wheather to close this account due to ourragious hold times. 

are they kidding? do they really want customers to stay with BOfA for XXXX XXXX hold times? 

they are already have a discrimination complaint from me CFPB are investigating. so this is obviously retaliation for that complaint.

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 2019-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc
State: FL

Complaint narrative:
XX/XX/2018 Credit Plus did not give them permission to pull my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc.
State: FL

Complaint narrative:
Money ( {$2400.00} ) was sent to the Google Wallet of my father ( who is deceased ) on XX/XX/XXXX. Google has  locked this account and will not allow deposit into the linked bank account. As personal representative of the estate, I have provided documentation showing my authorization to act on behalf of the estate and deposit the money into the account. Despite numerous emails requesting a status update on the disbursement of the funds and closing of the Google Wallet account, I have yet to receive confirmation that the funds have or will be disbursed or a timeline for disbursement. 

Response to prior complaint of XX/XX/XXXX was not adequate. A support person named XXXX sent an email indicating " we're working diligently to determine the appropriate resolution for your situation '' but I have not been able to get any update or response in over a month. Google has now been holding these funds since XX/XX/XXXX with no solution provided. 

**Please note, I am unable to upload documents via this interface. Please see documents uploaded in prior complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: AFNI INC.
State: GA

Complaint narrative:
A company named Afni says that I opened an account on XX/XX/XXXX for {$870.00}. It says that it was for a XXXX account. I have been with XXXX since XX/XX/XXXX and can't even get XXXX in my area. I would think that an inquiry would have shown on my credit report for this? 
I have filed a dispute with Transunion ( file # XXXX ),  XXXX and just now written a letter to Afni but it may not have had time to get there. 
Afni reported me to collections on XX/XX/XXXX and my credit score dropped from XXXX to XXXX. How can they do this? 
Afni address : XXXX XXXX XXXX XXXX ILXXXX I was never contacted about this. It just showed up on my credit report. So I don't have any collection letters to show.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
onemain was not Authorize to pull my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
Been trying to speak to credit bureaus to dispute XXXX XXXX   but they say they verify its mine. They can not verify its mine because its not. Now I get phone calls and bill letters to pay them XXXX or I go to a Court Trail near my Residence. I have reported this Company twice to your branch and I still have gotten no were. Please have this Company verify me or remove this XXXX from my credit reports. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
On XX/XX/XXXX I sent {$680.00} for the purchase of a bag using XXXX through my Bank of America app. The person was basically a scammer and never shipped the bag to me. I spoke with BOA to find out that they offer no type of protection against scammers because XXXX is a partner and not part of the bank. This is very disappointing and misleading that they have this on their site but offer absolutely no protection against things going wrong. And give no warning that they have no way of offering you any type of assistance with this matter even though its promoted highly in the BOA app and website.

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 2019-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing this due to non- reportng with ( Equifax , XXXX , XXXX ). They have failed to add information that was paid in full do to a real estate flip i did from XX/XX/2007 to XX/XX/2007. I strongly believe that they are in violation of the FCRA and are outright hurting the way i do business with my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I sent this company several letters asking them to verify this debt or remove it from my account. What they sent me back was just a letter with itemized charges that I allegedly owed. Theres no signed contract with my name or anything. That does not meet the federal trade Commissions guidelines of what constitutes proper debt validation! 
You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act.

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 2019-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
These a second complaint trying to resolve this matter, in previous communication your company had stated that was going to remove this account ending in XXXX from the three credit bureaus. however XXXX still showing this account this is inaccurate reporting, please have them remove such account from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
For the most part I have paid as promised, However ; for a time, I was unable to make payments on the scheduled date. I asked and was denied for them to stop deducting from my account. I am currently submitting a written letter. Each week they attempt to take money from my account on varying days as well as on the authorized date. This always causes an overdraft fee and often causes other checks to bounce.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Hunt & Henriques
State: CA

Complaint narrative:
I'm XXXX and on Social Security, direct deposited into my bank. In XX/XX/XXXX, I was paying XXXX {$75.00} a month toward XXXX debt. In XX/XX/XXXX I asked them to stop because I could not afford to pay. 
On XX/XX/XXXX, Hunt & Henriques served me with a lawsuit representing XXXX ( same debt ). Hunt & Henriques tacked on {$690.00} in legal fees and did not deduct what I had paid XXXX I tried to negotiate a settlement with Hunt & Hunriques on XX/XX/XXXX and told XXXX with that firm " no ''. They wanted {$120.00} a month and I told them I could not afford to do that and explained that I am a senior on Social Security. 
I hired an attorney ( XXXX XXXX XXXX ) the next day XX/XX/XXXX, on XX/XX/XXXX the attorney received {$150.00} as a retainer. 
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Hunt & Henriques took {$120.00} total {$380.00} from my account. My account was paperless, I mistakenly thought the money was going to my attorney as that is what we agreed on. 
On XX/XX/XXXX I realized that Hunt & Henriques was taking the money fraudulently. I notified my bank and my attorney ( who has done nothing to represent me ). Hunt and Henriques may have gotten my account information from XXXX. 
I have filed a police report, and Identify Theft Affidavit. Hunt & Henriques returned {$120.00}, they need to return the remainder of {$250.00}. 
The attorney needs to return the {$150.00} he received. It is obvious that he did not notify Hunt & Henriques he was representing me on XX/XX/XXXX, they should not have been able to take money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
This is the third time I have complained about this exact same issue. The first time the collection agency said " oh he owes it '' and that satisfied CFPB. Last time I said that it's not my insurance and the collection agency admitted that they had nothing signed by me and that satisfied CFPB. My wife attempted contact with the hospital and they refused to speak to her " because she's not the responsible party ''. 
Please. 
Respect yourself enough to do your job. 
The collection agency has nothing signed by me agreeing to a debt. I was not there. My insurance was not used. It's not my debt. I'm not the responsible party. There is absolutely no proof that this is my debt, because it's not. I was on shift that day, all day. 
Please investigate it. I can't afford a lawyer, and if CFPB did their job i wouldn't need one.

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 2019-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing this due to non- reportng with ( XXXX , XXXX  , Transunion ). They have failed to add information that was paid in full do to a real estate flip i did from XX/XX/2007 to XX/XX/2007. I strongly believe that they are in violation of the FCRA and are outright hurting the way i do business with my name.

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 2019-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing this due to non- reportng with ( XXXX , Experian , XXXX ). They have failed to add information that was paid in full do to a real estate flip i did from XX/XX/2007 to XX/XX/2007. I strongly believe that they are in violation of the FCRA and are outright hurting the way i do business with my name.

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 2019-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
Today XX/XX/2019 I Received a letter from my servicer Specialized Loan Servicing Dated XX/XX/2019. The Letter was in response to an Appeal / Second review of a Previous denied completed application request for a Loan Modification. The second review was submitted on XX/XX/2019 and cc to the CFPB on the same day thru my 3rd Party XXXX XXXX. 
The letter states that on XX/XX/2019 the secondary review was denied and that I am not eligible for any home retention options. 
On XX/XX/2019 at XXXX XXXX my authorized 3rd party XXXX XXXX called in for an update on the file. He spoke to XXXX in customer service who verified the account and put Mr. XXXX on Hold to research the account. XXXX then told Mr. XXXX in order to get an update on the File he would need to be Switched to the Bankruptcy Department. At XXXX XXXX He was switched to a person that Identified as XXXX ID XXXX. 
XXXX reported at first that a document request letter was sent to Ms. XXXX XXXX   Bankruptcy attorney XXXX XXXX. My 3rd party explained that Ms. XXXX has nothing to do with this application as we are Divorced and she does not live with me. 
My 3rd Party went on to say what documents are required and he would get them to her. XXXX said to hold on and would check and see. XXXX then got back on the phone and said she reviewed the notes and no other documents were due at this time and that the file was under review. XXXX went on to say to my 3rd party as to check back next week on or about XX/XX/2019. Based on this conversation on XX/XX/2019 the file is still in review. This contradicts the XX/XX/2019 rejection letter sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On or about XX/XX/2019 I applied for a home equity line of credit with Bank of America because I have been a long time customer of Bank of America. 

My application was assigned to XXXX XXXX XXXX, Home Service Specialist III, NMLS ID XXXX. 

Over the course of the next 8 days, I supplied all of the documents requested by Mr. XXXX. 

On or about XX/XX/XXXX, I received a phone call from Mr. XXXX with approval for an offer for a line of credit. The offer was contingent upon my using a portion of the credit line to pay off certain student loans. I declined the offer. 

On or about XX/XX/XXXX, I received an adverse action letter from Mr. XXXX at Bank of America, indicating that my application was not approved. This is factually incorrect, as I was offered a line of credit by Mr. XXXX on the XX/XX/XXXX call, but I declined the offer because it was not competitive. 

I immediately contacted Mr. XXXX to request a corrected letter be sent, correctly indicating that the offer from Bank of America was declined by me. 

Because the statements in the Adverse Action Letter were  factually incorrect statements about Bank of America 's ability to offer the loan, these statements amount to a deceptive trade practice appropriately handled by the FTC.

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 2019-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
XXXX and Equifax both are illegally adding and reporting false information from credit companies that I never signed any contract with and have absolutely no dealings with in general. No legal contract can be produced for XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, or XXXX XXXX XXXX. In Addition no data was furnished or producible to validate any legal contract binding to agencies acting on behalf of other companies therefore no legal contract is made! Erase these items from my credit and reprimand the reporting agencies for continually and knowingly adding these false entries after deletion!

Company response to consumer: Closed with explanation