vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: LA

Complaint narrative:
This started back in XX/XX/XXXXor XX/XX/XXXX and ERC opened an account that showed up on my credit reports for {$1800.00}. I have repeatedly tried to explain that this is not my account and that XXXX XXXX stole my identity just like he did with a car loan, XXXX XXXX   account, and XXXX XXXX. They keep refiling this so it will stay on my credit report even though I have told them time and time again that it is not mine. I live in XXXX XXXX and my only name is XXXX XXXX XXXX. He applied for credit with a name XXXX XXXX. That is not now nor ever been my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Asked PNC bank to stop contacting after XXXX of our mother. They containually contacted her to the point of her becomming upset. She had contacted them regarding this debt to come and take her residence. They were not interested at the time. She then had to go to a XXXX XXXX. She could not pay for this home & PNC/XXXX XXXX   was notified ( at the same time ). They had someone come out and were not interested. Our mother XXXX over a year ago. She had another XXXX after recieving another notice from PNC bank when we had asked them to stop these notices several times. She was XXXX   years old and had been in a XXXX XXXX. She then XXXX XXXX   from this XXXX. We filed complaint after complaint about this as now they are harassing us. She was living on assistance when she XXXX   and there were No assets.

The property in question was offered to PNC. They were not interested and wanted her to pay the balance. She could not. She became very ill, we think from ongoing harassment from PNC. She was consumed with medical issues and could not pay her property taxes at said property. The county seized her home after she was admitted into the ER and hospitalization.

This was several years ago. Our mother was continually contacted by PNC after we continually tried to work with them to stop harassing her and help. They were not interested in only her paying the balance. She was very ill & elderly.She since has XXXX  from a XXXX. Her second one shortly after reading letters from PNC.

We sent them the certified XXXX XXXX. We asked them to leave us alone in our time of grief. They continue and now address the correspondence to " To the estate ''. There is no estate. She was a widow with no assets. ALL of her funds went to her medical care as did ours. She had XXXX XXXX in the last couple of years after she would read these notices from PNC even though we had asked then to cease communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
mother deceased and someone received acess to her time deposit certificate that has no business and does not even know my mother i the executor and it was transfer from a bank in another county and then into his account and XXXX XXXX XXXX XXXX and then transfer to us bank on mom last statments there was around {$45000.00} and at the time of transfer it was done with a XXXX XXXX forged bankruptcy by XXXX XXXX XXXX who is the investgator for this area and it a been proven that he had us bank on a penal code 1155.200 2 % of my deposit in my own account with the wording of unavailabl ; e funds and i never saw them back into my account when i ask no one told me about this next incumbent b.s. the rules that i received say its for homeless people i thought you would be interested in these rules i will forwad them to you and fraudlant charges that the fraud dept credited and us bankl did not credit account they closed this account i have been very patient and i did not want to do this but i have no choice..

p.s social secuiry given to a unknown person as a domestic partnerwhich is social secuirty and the va also gave gi money that was my fathers and he is deceased.

respectfully 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 2018-03-29 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: NY

Complaint narrative:
i am writing today because i have previously disputed accounts referenced in this dispute in the attachment not only have you not deleted this inaccurate account from my report but you didn't even mention in this consumer statement that this account was in dispute as you are supposed to. the law says that if a consumer disputes an account you have to write that this account is in dispute since you have not done so it leads me to believe that you have not conducted an investigation at all, why is it so difficult to get things done by you it feels like every time i send a dispute that it is a wast on the postage fees it feels like i am just sending a dispute and your computer sends me a letter that says verified without you guys doing anything. why is it so? why cant you do your job and conduct an investigation. plus you violated the law by not adding a statement that this account is in dispute.

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 2018-03-29 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: MI

Complaint narrative:
OnXX/XX/XXXX I started a dispute of six different items on my credit report. I requested verification and validation of these items and TransUnion has refused to send me the requested information. Instead they sent me credit reports stating the information was verified to be accurate according to FCRA. I then requested them to send me the names of the businesses, addresses and phone numbers of those who have been contacted during the process. I also called and spoke with several different people and stated this is my right under the Fair Credit Reporting Act. Instead of providing the requested information, they stated that everything is computer generated and they could not provide the information I requested. I proceeded to say, seeing as how they could not provide the requested information they should have removed the negative items. On XX/XX/XXXX and on XX/XX/XXXX the situation is still not handled and as ofXX/XX/XXXX I had to put in a third dispute of the items.

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 2018-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have an account with XXXX and I have been trying to cancel my account with them but I am not able to reach anyone to cancel my account. The website states that the accounts can be cancelled by calling XXXX, however I have called numerous times and every time I called they told me that my waiting time will be over one hour and sometimes even over two hours. I have waited on hold a few times for a very long time and was not getting through to them. In the meantime they keep charging me the {$27.00} per month while making it almost impossible to cancel the account.

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 2018-03-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
I spoke to Ocwen Loan Serving reference my loan : XXXX   on XX/XX/XXXX and was informed that my {$1500.00} dollar payment was being returned. The previous month was the same thing for {$460.00}. Ocwen took my payment inXX/XX/XXXX. In addition, I was informed that Ocwen denied my request for a Loan Modification.

Last year, Ocwen representative told me in order to qualify for a Loan Modification you need to fall behind on your payments and have your " stay '' on Chapter XXXX Bankruptcy removed.

I recently had the " Stay '' removed around XX/XX/XXXX I did everything Ocwen asked me to do.

Ocwen refuses to work with me, I received a copy of the court order from my Chapter XXXX Attorney with Arrears being over {$13000.00} dollars. The principle balance of my loan is {$84000.00} The equity of the home is over {$200000.00} dollars, my attorney said, " I think Ocwen wants to foreclose on your home to make a huge profit '' This another form of predatory lending or scam that this loan servicer is trying to take advantage and abuse consumers like me. In fact, I XXXX my wife to XXXX  and it also caused a financial strain on my finances.

Ocwen number XXXX, because of the lies Ocwen and the unwillingness to take my payments. I no longer trust this business, they have violated the " good faith practice ''. I ask your assistance in protecting my consumer rights immediately. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 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 — Problem with personal statement of dispute
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
XX/XX/XXXX, I submitted a CFPB dispute and PRA responded back to my CFPB complaint with the verbiage that they are not in fault and they alleged that the Credit Reporting Agencies are at fault. After compiling research this is common tactic and practice of PRA. There are numerous compliments with the XXXX  and the CFPB of PRA reporting as a Factoring company and reporting collections as Installment loans. It is my belief that PRA employs this tactic as a collection practice in order to severely damage a person credit report and to keep the collection scored as both a collection and delinquent revolving account in an unethical and unlawful matter in order collect on more accounts and to recover more revenue. This inaccurate reporting is something that I will continue to fight and I will explore every avenue until this inaccurate trade line is deleted. PRA is breaking FDCPA 803 ( 4 ) which states that ...

" A party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor '' FDCPA 803 ( 4 ).

PRA continues to report their account type as a Factoring company, revolving accounts/ " Installment Loans '' with " Collection '' status and with " Terms ''. This reporting in a violation of FDCPA 803 ( 4 ). PRA is not a creditor and can not report in this manner. There reporting is damaging my credit in a incorrect manner. The reporting is scored as a delinquent installment loan/ delinquent revolving account and as a current collection. A collection is not a delinquent installment loan and should not be reported in this matter.

I have attached a photo of XXXX credit report as evidence and in the original complaint date XX/XX/XXXX I attached a photo from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 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: TX

Complaint narrative:
I got a copy of my credit report and noticed a lot of inaccurate information. I disputed it with all the bureaus and the inaccurate information is still being displayed. I sent along my driver 's license and social security card so that they would be able to verify my idenity.

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 2018-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Alpha Recovery Corp
State: GA

Complaint narrative:
My husband set up a payment arrangement with a recovery company name XXXX XXXX, Alpha Recovery or something similar for XX/XX/XXXX in the amount of {$640.00} on XX/XX/XXXX. They were very rude and trying to force him to make a payment that day after he told them several times that he could not. The payment was not made on the XX/XX/XXXX due to insufficient funds. A lady from the company called me on XX/XX/XXXX and requested the payment from me in a very rude & demanding manner. I told her that I was unaware of the conversation between my husband & their company so she should talk to me in a more calm and respectful tone. She started yelling and talking crazy to me so I disconnected the line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: NJ

Complaint narrative:
I am writing now in hopes to receive your help. Presently I am working on examining my credit, paying down my balances, and working toward greater credit worthiness. You play a very important part in this process. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX XXXX XXXX XXXX ) on XX/XX/2017 and I am writing this in order to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly think of, is that my statement didn't get to me in time.

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 2018-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
lived in a home paying rent for 21 years. The owner put the home in Foreclosure, I worked with Caliber Home Loans to purchase the home since XX/XX/XXXX of last year. They wanted {$85000.00} I submitted a contract with a Hud statement to purchase.I started my offer for {$70000.00} rejected then {$7500.00} which was reject and told it had to be {$8500.00} firm. Two days later they send me a e mail saying they reject and are taking the home to XXXX sale.In XXXX it went into Sheriff sale, they started the bid at {$200000.00} the amount with all the Attorney and interest fees plus what ever else. no one bought it. XXXX bought the home back. I tried to speak with someone to still purchase they said no, i had to leave the home. On XX/XX/XXXX the Sheriff came to gave me notice to vacate by XX/XX/XXXX, i did get a extension till XX/XX/XXXX. I'm being told i need to vacate the property then i can try to purchase it.They are telling me i have no tenant rites. I have put into this home within the last 21 years many up grades which i will list at the end of this letter. I also have all receipts to prove it. No one will speak with me to try to help me purchase this property. I feel i'm being discriminated against because i'm a tenant and a senior citizen. I now have to leave a home that i put my heart and money into, it's not fare to me that they will not work with me to purchase this home. Here is a list of improvements i put into the home thinking one day the owner would sell to me. New furnace and chimney liner, hot water heater, New chimney built from Basement Floor to first floor.New kitchen cabinets, cornon counter top and sink, Stove, dishwasher, micro wave, flooring., bathroom tub, sink, toilet, tile, new flooring on 2nd fl, large deck, new bath and kitchen windows, New front and back doors, 2 storm doors. repairing of roof. The list goes on. I have all receipts to prove this. This is a heart ship to me, i raised my son in this home, my grandchildren.Something needs to be done so that these Banks can not do to other people what was done to me Why wouldn't they work with some one that is all ready in a home and qualify s to purchase it. There is no protection for homeowners nor tenants its all with the banks. I di n't set the price a REO did for {$8500.00} so why are they not excepting my offer. I went back and offered {$100000.00} and they said no, i need to leave. I offered to pay rent, no i need to leave. If i'm not out by XX/XX/2018 the Sheriff will lock me out. Please help me to stay and buy this isn't fare what the Mortgage Co can get away with. .I will submit all proof of my repairs theirs so many receipts for me to send now but will upon request. I have emails from XXXX plus they have all my phone conversation recorded Thank you time is of the essences

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: NJ

Complaint narrative:
I am writing today in wish to obtain your help. Currently I am working on examining my credit, paying down my balances, and pursuing better credit worthiness. You play an essential role in this process. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit bureaus ( XXXX XXXX and XXXX   ) on XX/XX/XXXX and I am submitting this to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could imagine, is that my statement didn't get to me in time.

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 2018-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
Received original notification that National credit systems wanted to collect on a debt that was not mine. The XXXX Apartments uses a third party company to collect for water, trash, sewer, cable and internet. I was then notified to pay on a bill that is not mine. I was not able to move in the apartment due to bed bugs. I have tried to resolve this issue with The XXXX, XXXX and XXXX XXXX Owners, National Credit Systems, XXXX XXXX, and all parties involved I have been working on this for a year. I have written to the manager of the collection agency, owners of all companies, and called multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Attempted to cancel my account on multiple occasions in the last 6 months. I experienced hold times in excess of one hour and was never connected with customer assistance. E-mail to customer assistance never received a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing now in hopes to obtain your help. At the present time I am working on examining my credit, paying down my balances, and working toward greater credit worthiness. You play an important role in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( Experian, XXXX and XXXX ) on XX/XX/XXXX and XX/XX/XXXX and I am submitting this in order to get this remark took back. I had believe I had made all my payments on time, the only thing I could think of, is that my statement didn't get to me in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — Payday loan 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: Hampton & Hampton Collections LLC
State: IA

Complaint narrative:
I have been getting several local and 800 number phone calls that left no messages. XXXX XXXX called from local number XXXX XXXX XXXX and said there is a criminal case against me and i need to call for info. They gave me the # XXXX XXXX XXXX and a file #. I called and they identified as XXXX and XXXX. Stated they were going to mediate a criminal case against me with XXXX federal charges re : knowingly defrauding a bank. I asked which company reported this and they said XXXX XXXX which is a payday loan co i have used. XXXX i must pay XXXX $ or the sheriff will arrest me tomorrow. Asked for more details and caller got rude and threatening. Asked to speak to someone else and he said " it doesnt matter who you talk to, you will still get arrested. '' And then he hung up.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
XXXX XXXX or XXXX XXXX mostly  calling from XXXX GA using numerous numbers such as XXXX. I have texted back to them at least 10 - 30 times about repeated calling. They just call from a different number from XXXX GA. This happens several times a day even weekends. 

This is truly consumer harassment. Anything you can do to stop this will be much appreciated. They are calling both my home phone and cell phone. My home phone number is XXXX and my cell phone number is XXXX. Thanks so much. Appreciate this greatly.

Company response to consumer: Closed with explanation