vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
Since XX/XX/XXXX my mortgage has been serviced by Ocwen. They have never handled my escrow account properly. The first red flag was that it took two months to get Ocwen to acknowledge my property insurance policy number. On XX/XX/XXXX, after numerous unsuccessful calls from both myself AND my insurance agent I finally had to make a three way call with Ocwen and my insurance agent to prove to the Ocwen agent that my XXXX XXXX XXXX WAS accepting calls at the number I gave him. 
Twice a year, they mail a letter to me requesting that I send my actual property tax bill in an enclosed return envelope, by a specific date. I am never sure if I will receive this letter at all, let alone on time. If and when I do receive the letter, nowhere on the envelope or in the return window does it state that it is from Ocwen or that it is regarding a time sensitive issue from a mortgage company. As far as business practices are concerned there is no good reason to do this. Excluding the business name on the envelope makes it appear no different than junk mail. 
Since XX/XX/XXXX I have been asking Ocwen why they choose to exclude their company name on these envelopes and they will not answer the question. 
I have always paid my bills in a timely manner and have a great credit record. I can pay property tax and insurance on my own without these issues. I sent a request for escrow account waiver XX/XX/XXXX and have not received a response about that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recently received a copy of my credit report and notice a derogatory account for {$4600.00} that shouldn't be there. I disputed this account with all three credit bureaus by mail. On XX/XX/XXXX this account has been removed from my XXXX credit report as unverified but it still remains on my TransUnion report. After another dispute this account Still Remains I tried to explain to the representative at TransUnion that this account does not belong there and it has been removed from XXXX. The representative advise me that he cant remove it and stated this is TransUnion not XXXX. After another dispute I received the results on XX/XX/XXXX and this account is still on my report.

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 2018-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F )  otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete Thanking you in advance. 

I demand the following inquiries removed immediately. 

The following inquiries are unauthorized : XXXX XXXX XXXX   Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX. Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I called Transunion multiple times about these inquiries on my credit report. I sent letters to all of the creditors who have no knowledge of these applications. I called and spoke with XXXX in the Us Handling Department at Transunion who said he would get these deleted and never did. I have been speaking with different reps who gives different answers. I have been following rules by sending in certified letters and I have copies of the receipts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
I have been participating in the XXXX XXXX XXXX XXXX program, certifying my employer annually and receiving updates on how many qualifying payments I have made yearly. This XX/XX/XXXX was the first time I've been made aware that 13 of my payments are no longer considered as qualifying payments. In XX/XX/XXXX, I paid XXXX cents more on a payment due in XX/XX/XXXX and XX/XX/XXXX. My loan servicer states this put my account in paid ahead status continuously for 13 months, therefore disqualifying all XX/XX/XXXX payments and a payment made in XX/XX/XXXX. I  paid the exact amount owed according to my repayment plan from XX/XX/XXXX-XX/XX/XXXX. It does not seem appropriate that {$1.00} could be applied to construe my account as paid ahead when my payments in XX/XX/XXXX were $ XXXX/month, and later closer to $ XXXX/month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America on XX/XX/2018 withdraw {$1200.00} from our checking account for a credit card charge off. The charge off is from an Corporate Account issued credit card. the account that the funds were taken from was a completely different account ( husband and wife/XXXX XXXX acct. ). We received no letter or notice that this was or had transpired. We are also going to receive overdrafts due to Bank of America taking these fund from our 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 2018-03-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
In XX/XX/2016, I started working with CITIMortgage for a " loan modification '', this comes after the interest only loan ballooned and payments tripled and am behind behind. Because I can not make the larger payments and the threat of foreclosure, I felt I needed legal help with Foreclosure Defense & Mortgage Mitigation help. XXXX XXXX XXXX cohearsed me into giving them a {$1100.00} retainer and $ XXXX/mo. fee. Was told they would take care of everything and it would take 3-4 months. Promised weekly updates, never called except to see if payment was available, I have since stopped payments, this firm 's address is in VA, but calls come from D.C.. I did not know of Minnesota Law prohibits this kind of activity and I find it unconscionable for Big Banks and Mortgage Litigation scammers to string along homeowners far beyond their abilities to fight and keep their homes.

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 2018-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Omega RMS, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX called me on XX/XX/XXXX and XX/XX/XXXX *I asked them to stop calling me and to only communicate with me in writing *I sent a certified letter asking them to discontinue calling me and all further communications should be done in writing. 
*The certified letter was received on XX/XX/XXXX ( tracking # XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX continues to call and I have two voicemail messages from them on XX/XX/XXXX lasting 20 seconds and on XX/XX/XXXX lasting 31 seconds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have called wrote and disputed unauthorized hard inquiry pulls and All I have gotten is a negative responce and rudeness. Including ; XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX all on XX/XX/XXXX. I specifically stated not to run my credit with anyone other than my current finance company. XXXX card XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX all happened on XX/XX/XXXX. They were also not given permission to sabotage my credit report. XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 
Inquiries that are also supposed to be removed already is XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX  XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
CRA VIOLATION / NO KNOWLEDGE OF THE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: UT

Complaint narrative:
While trying to refinance my home with XXXX XXXX  my credit report reflected I had several debts amounting to {$16000.00} with XXXX XXXX. I did not recognize that debt nor had I received any notices from IC Systems ( collection company ) regarding these amounts. XXXX bank representative called IC Systems trying to clarify this matter but they ended up giving us the phone number of a local hotel instead. I was able to get proof from the hospital that I did not owe anything to them and that they had not sent me to collection either. The hospital representative also called IC Systems to explain the situation buy they said to call in a while. I have called them again but can not get a definitive answer because they say they are disputing with the hospital and they can not give me proof that I do not owe anything. Meanwhile my credit is messed up and can not go forward with my loan.

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 2018-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XX/XX/2018 I walked into the U.S. Bank branch office at XXXX XXXX XXXX XXXX, XXXX, MN XXXX in order to cash a payroll check drawn off of U.S. Bank. As I was in the process of cashing the check at a teller 's window, I was asked for my SSN and informed that U.S. Bank 's policies regarding noncustomer check cashing had recently been updated to follow " the law ''. While doing research into the legalities of this policy, I found " Section 3-501 ( b ) ( 2 ) of the  Uniform Commercial Code '' which speaks about " reasonable identification ''. Thumb prints, driver 's licenses, passports are all reasonable identification. A SSN is NOT and there is no law saying that they have to ask for them. 

Having done some research and making some phone calls, I called the aforementioned branch of U.S. Bank to speak to the manager. He specifically informed me that they use noncustomer SSNs to TRACK THOSE PEOPLE. That's right. They are tracking you with your SSN if you give it to them. I believe this to be a massive breach of privacy and refuse to do business with them for as long as they maintain this policy. To be clear, they outright REFUSE to accept a REAL ID driver 's license or United States passport as identification specifically so they can track you and your money.

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 2018-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
CRA VIOLATION / NO KWOWLEDGE OF 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 2018-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
I am elderly vet and XXXX XXXX XXXX. I am confined to a XXXX. Debt Recovery Solutions ( DRS ) took advantage of my situation. DRS contacted me and told me and my XXXX and told us that I had to pay a XXXX bill. I told them it was about 15 years old. They sent me a letter that said they had purchased an account from XXXX. They didn't let me know that it was WAY beyond the statute of limitations. The last activity on this was in XX/XX/XXXX I believe. I have learned that it should not even be on my credit report. They have reported it as opening in XX/XX/XXXX but date of last activity XX/XX/XXXX. They also just started reporting this account in XX/XX/XXXX right when they got a trigger notification that I was looking to buy a home. When I disputed this account verbally ( by telling them it was 15 years old ) they told me " too bad. You have to pay it to get it off your credit ''. I felt I had no other choice. DRS also never allowed me to validate the debt before reporting it which I have learned is a violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 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: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Credit Card was closed on XX/XX/XXXX from a Chapter XXXX bankruptcy. XXXX XXXX is only Credit reporting agency to correctly report on my Credit report. XXXX XXXX is claiming that my account was charged off in the amount of {$7500.00} and is currently holding a balance when in fact the account was closed during my bankruptcy. 

To my knowledge this account is the same number as submitted with my bankruptcy, if it was not closed then someone other than myself has opened this Credit card in my name. 

I have sent letters to XXXX XXXX  XXXX XXXX  on XX/XX/XXXX, XX/XX/XXXX trying to get this taken off my credit report but they keep saying that it was confirmed with no evidence of validation of competent evidence bearing my signature.

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 2018-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: KY

Complaint narrative:
My complaint is with my credit card company XXXX XXXX thru XXXX XXXX that continued to pay monthly charges for products that was returned and cancelled with the fraudulent company by letter of cancellation on XX/XX/XXXX. I had tried numerous times to contact the company by phone but was unable to ever talk to anyone so the only resort I had was a written cancellation. I have talked several times with the credit card company and they would put the items in dispute but would deny the dispute because I did not cancel by phone. Each time interest and service charges and other charges were added to the account. I have talked numerous times to the credit card and each time to no avail as any help or resolution on this matter. I called them yesterday XX/XX/XXXX to try to come to a compromise and was informed that this account has been turned over to a collection agency. I have had excellent credit and do not want this score lowered because of this issue. 
I can Mail all copies pertaining to this issue if they are needed. Just let me know. My scanner is not working at present 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 2018-03-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I had a credit fraud with my first card Nd the company captial one said they tske care of it they sent me a new card yes i took the XXXX out the card im paying for it and then i get bill it went to XXXX that i took 2 cash adavances wich is not true this is fraud they report this it messed up my credit by 50 points will like to know how to resolve this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am continually being called on the telephone from XXXX XXXX over an alleged {$510.00} debt. I was under the impression Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt.I have fulfilled this balance with two different agencies and I still do not see a update in status. I request this account be deleted because it is not accurateFCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY Complete payment history, the requirement of which has been established via XXXX vs. XXXX and Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) Intimate knowledge of the creation of the debt by you, the collection agency Im sure you know, under FDCPA Section 809 ( b ),  you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. DIEM CORPORATION, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity. 
Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable 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 2018-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA VIOLATION / NO KNOWLEDGE OF THE COLLECTION ACCOUNT / TOO MANY INQUIRIES NOT AUTHORIZED BY 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 2018-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I had open an account at Santander in regards for a line of credits for my small business, that I was advise from a lady name 's XXXX that work for Santander branch in XXXX ma. Following that my had set up a contract with paycheck for HR services that was paid to my XXXX XXXX XXXX for some reason service never being done and paycheck had been using the money that I had open the account on XX/XX/2017 which I had never received no invoice from them, and I found out that through another bank that I was trying to open a business account for credit line they told me that I can not open it because I had a red flag on my name. I hat went to Santander branch in XXXX ma which they give a number to call, when I call that number they asked me to pay them {$200.00} for them to help me. I find that unfair and I am asking for your help please.

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