vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
At the end of XX/XX/XXXX our mortgage was sold. It had been with XXXX XXXX and it was sold to something called Mr. Cooper. We have never been late on a payment in over 20 years. We are very close to being finished with our mortgage. We got XXXX information about how to pay our mortgage from Mr. Cooper. My husband called XXXX and was told there was a 60 day grace period. Then within a week or so this Mr. Cooper place started calling my husband at work telling him our payment was late. He did n't even have any information at that point on how to pay or who to pay. We finally got paperwork from them and he set up on an online account and paid the mortgage. He continued getting robocalls at work. He has been getting one to two calls per day from this company. Yesterday I called to confirm that they had indeed received the payment. After being forced to listen to a recorded message telling me that anything I said on the phone would be used against me, I talked to an agent who claimed they had received the payment. Today ( XX/XX/XXXX ) we received a letter saying we were overdue on our payment and that we owed them double the monthly payment. In addition somehow they appear to have added {$1000.00} to our escrow account which stands now at close to {$10000.00}. I am outraged by this treatment. We have never had any trouble with any mortgage provider until this Mr. Cooper thing happened. We are about to just pay off the rest of the mortgage so we never have to deal with Mr. Cooper again. I wanted to write this complaint in case other responsible customers are getting these harassing calls and letters from this company. I think they need to be investigated for their practices. Are they even within their legal rights to call my husband every day at work harassing him for a payment that we have already made? How long once a mortgage is sold do consumers have to make a next payment to the new servicer?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX XXXX, XXXX, I sent to Equifax XXXX Department a request to remove a " SR '' suffix which had been considered as part of my name. As they requested I sent a copy of my Driver License. They removed the referred suffix, but after almost a month after, it suffix reappear again. I tried by phone and online to receive an explanation why it was removed and shows up again. They open several cases for me, but it was up and down ( removed and showing again XXXX and the results were with no success. An representative from Equifax XXXX XXXX counseled me to send to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA, and even help me by phone to write a letter requesting again to remove from my credit record the " SR '' suffix showed after my name, because I am not " SR '', and never have had the " SR '' suffix after my name. The representative recommended me to enclose a copies of : XXXX XXXX XXXX, XXXX XXXX, Driver License, Social Security Card and Form XXXX XXXX. XXXX XXXX Tax Return XXXX. On XXXX XXXX, XXXX, I sent the letter XXXX Certified ) with my name, address, e-mail, phone number, and I enclosed the copies of all mentioned documents. They received it on XXXX XXXX, XXXX, and after several dates they removed the " SR '' suffix in question. Now On XXXX XXXX, XXXX, I received an alert from Equifax XXXX XXXX informing that my name change, after reviewing the credit report I note that, again, the " SR '' suffix shows up. They said before that it was happening because an " unknown reporting creditor ''!!! was reporting it, but for they apparently the copies of the documents I sent on XXXX XXXX, XXXX have been not enough to prove that I have no " SR '' suffix after my name. Please help to solve this matter with this company. The other two Credit Companies XXXX and XXXX handles my name correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
My second mortgage was transferred without my input to a new servicer. My first statement from the new servicer indicated that I had a past due payment as well as a due payment. I contact the new servicer and told them that this was incorrect, that the last payment to the old servicer had been made. 

I provided the new servicer with the statement from the last servicers, and a record of payments from my bank showing the payments. I have contacted the new servicer by telephone. I have spoken to the old servicer by telephone and they advised me that the information they handed off to the new servicer included all information including the last payment to the old servicer that the new servicer is ignoring. 

The new servicer refuses to acknowledge the information. They continue to show the 2nd as past due with late fees etc. 

The new servicer maintains that it is my problem to work out with the old servicer. I maintain that it was not my choice to change servicers and that it is for the old and new servicers to work out.

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 2017-11-26 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: CT

Complaint narrative:
My TransUnion report has an account listed for XXXX with a mailing address for XXXX XXXX as the reporting company. On XXXX/XXXX/XXXX I sent a letter to XXXX XXXX disputing the accuracy of their reporting to TransUnion. The envelope was returned to me as " Return to Sender, Attempted Not Known, Unable to Forward '' On XXXX/XXXX/XXXX I sent a copy of the returned mail envelope to TransUnion requesting they delete the account as they are reporting inaccurate information ( specifically the address of the company reporting ). They signed for the certified letter on XXXX/XXXX/XXXX. As of XXXX/XXXX/XXXX this item is still reporting on my file. This is a violation of my consumer rights under the Fair Credit Reporting 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 2017-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
DateXX/XX/XXXX EXPERIAN In response to ( A NON RESPONSE AFTER OVER 30 DAYS ) Consumer Bureau : XXXX To Whom It May Concern : This serves to notify you on the inaccurate information on my credit report as per your file. purposes of formal escalation in the appropriate courts of law should the need arise I have been fighting a case of identity theft case # XXXX As a result of these reckless and intentional acts, I have suffered and continue to suffer general and specific damages please be reminded too that the Fair Credit Reporting Act provides that when disputed debt items can not be supported by evidence, then such items should not appear on my credit report. Moreover, when such debt items remain unverified after 30 days, then inaccurate information on my credit report should be removed. Your responses in writing claim to have " verified '' the debt information that I have challenged. However, the law requires more in the case of an identity theft. You asking alleged creditors to match numbers on the computer is not verification in my case. An identity thief used my information without my knowledge and/or authorization hence, those numbers will match up. Simply stated, your action in this matter is not sufficient. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are the same company I have received letter from them stating that they have did their part and that your company have not removed the negative item I have fax affidavit to show my identity was compromised XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted them they sent me a letter saying that they had forward the removal of that Item from my credit and also advise me that your company is refusing to removed they item as now I am very disappointed from your company even do you guys was in the news for practicing the same method I am not here to fight any major company I have the proved needed I just need you guys to do your part of following the law in removed this Item in my credit Its ashame that your company is using blunt tactic in falsifying me of my rights XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2017-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Please note I have not filed bankruptcy however debt is not owed to Portfolio Recovery. I sent out a certified letter to Portfolio dated XX/XX/XXXX asking them to provide documents bearing my signature that showed I had a legally binding contractual obligation to claimed account. I am unware of doing any such business with Portfolio. And simply put, want validation. Portfolio just sent copies of past bills from a creditor. However, the last bill from creditor shows account as being charged off for {$4900.00} and a positive credit to the account for {$4900.00} with a closing date as XX/XX/XXXX. This shows the account has been charged off and paid. Portfolio is appearing on all 3 CB for me owing {$5900.00} ( different amounts! ) Portfolio has also sent a letter showing Original Creditor as XXXX XXXX XXXX XXXX. I have never done business with XXXX XXXX XXXX XXXX either. It seems that Portfolio either could n't or would n't provide proper validation proving I own that debt. I 've never received anything in writing from Portfolio prior to them showing up as a collection on all 3cb. I 'm on unemployment, trying to find work and request that this false information is taken off of all 3cb immediately as it is having a huge impact on my score and what potential employers see. I kindly ask for you to take a look at my case. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I have been receiving several calls from Westlake Financial everyday of the week. Sometimes it seems like all day. I do not have any business with them nor have I. The final straw was when I had received a call from them on Sunday and I tried to contact them and let them know this, and they were closed. But the message said that I could contact them that day. I have received several messages from them on Sunday, and every day of the week. When I did answer the call to talk to someone it is always an automated system to push buttons. I finally did contact them during the week and they ask me did I have a relative that may have used their services. I said I may, but they have nothing to do with me and my phone number, caller ID & answering machine being hijacked with so many of their calls. I called on two different occasions and spoke to live representatives and requested for them stop calling me, but the calls continue. I just received another one, on this day Sunday, XX/XX/17, and I have had enough. Please contact them and let them know to correspond with whoever they are after in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Jon Barry and Associates, Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX XXXX XXXX {$500.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from  identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX {$500.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California XXXX collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Forest Recovery Services LLC
State: FL

Complaint narrative:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX XXXX XXXX {$120.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked  information. 
The reference items are listed below please take this matter very serious Forest Recovery Service {$120.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
cap XXXX reassigned servicing of loan to another company. Letter dated 2 weeks from date of transfer XX/XX/XXXX was sent, letter of course was not delivered to me until XX/XX/XXXX. I have not received any notification from the new loan servicer. attempts to contact the new servicer were unsuccessful and have no info on new account number to send with my payment I was not given two week minimum notification as required In prior correspondence cap 1 stated that several thousands of my money that was being held XXXX by cap 1, could be applied to XX/XX/XXXX payment knowing full well that were transferring servicing of my account ; when i called to request return of my money they refused

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 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: SC

Complaint narrative:
Dear CFPB, Months ago I received notification that two collection accounts had been added to my Equifax Credit Report. They are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$500.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$220.00} ) Since that time I have submitted dispute letters to Equifax requesting that they send me copies of the information they have in their file used to validate that this is my debt. 

On XX/XX/XXXX and XX/XX/XXXX I received two documents from XXXX that was typed by their office stating I owe the debt. They did not provide proper documentation. Also, prior to these collections showing up on my credit report I had never received any information from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, My last dispute was filed in XXXX ; to date my concern ( s ) have not be adequately addressed. I am requesting that XXXX XXXX XXXX XXXX XXXX XXXX / Equifax remove these items from my credit report. 

Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
This account was removed from my credit report for false information being provided and this information was sold to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX XXXX XXXX {$470.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious DOCTORS BUSINESS BUREAU {$470.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation