vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen continues to give me a run around. Ocwen continues  to refuse to include both non borrower 's income and borrower 's income to evaluate my mortgage for a loan modification.  Ocwen has failed to  accurately evaluate my request for mortgage assistance based on my household ' source of income that has already been submitted to them.    Ocwen 's notic e dated  XXXX / XXXX / XXXX , states, " The denial decision was based on the monthly gross income you reported, which was {$430.00} '', see notice attached.    Ocwen 's no tice dated  XXXX / XXXX / XXXX , states  " I   ncome calculation : you have two sources of income : Social Security income and contribution from two non-borrowers '', see notice attached. The notice includes both the income amounts and calculations from both non-borrowers and borrowers income.
I have repeatedly told Ocwen that there are both non-borrower 's income and borrower 's income that pays for the mortgage, previously documented and incomes have been submitted.
Ocwen continues to ignore and deliberately refuses to evaluate my request for mortgage assistance for a loan modification based on both my non-borrower and borrower sources of income. Ocwen contines to give me a run around, fails and refuses to correct errors, and sends me inaccurate notices and denial letters. Ocwen 's incompetence and improper practices has cost me money.
I am in imminent default and I request that my submitted mortgage assistance application be evaluated for an affordable loan modification under the Federal HAMP Tier I and Tier II guidelines.       I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: NY

Complaint narrative:
DISCOVER CARD BALANCE TRANSFER WAS OFFERED I ACCEPTED IT NOT NOTICING AT TH E TIME SOME FINE PRINT A FEW DAYS LATER AS WELL AS OTHER DETAILS. SO I CALLED IN AND INFORM THEM THIS OFFER IS NOT IN MY BEST INTEREST. THEY TOLD ME THE PROCESS HAS ALREADY STARTED. I ASKED WHAT DO I HAVE TO DO. THEY SAID YOU HAVE TO RETURN THE MONEY BACK IN FULL. OF COURSE YOU KNOW IT IS A PROCESS FOR THEM TO SEND THE MONEY TO ANOTHER BANK AND ITS A PROCESS FOR ANOTHER BANK TO SEND THE MONEY BACK TO THEM. WELL DISCOVER CARD STARTED THE PROCESS ON  XXXX   XXXX     2017  THE MONEY WAS PAID IN FULL BACK TO THEM  XXXX   XXXX   2017 . YET THEY REFUSED TO REFUND ME THE {$400.00} FEE THEY CHARGE ME FOR THE BALANCE TRANSFER AGREEMENT WHICH I DO N'T HAVE NOR WANT. I WAS TOLD TO CALL TH E OTHER BANK AND ASK THEM FOR THE {$400.00} WHICH IS STUPID BECAUSE DISCOVER CARD BILLED ME {$400.00} NOT THE OTHER BANK IF ANYTHING THE OTHER BANK PAID EVERYTHING IN FULL ( SO DISCOVER CARD OWES ME ). THEIR REPRESENTATIVE KEPT REPEATING THE SAME THING OVER AND OVER AGAIN WHAT HER SUPERVISOR AND THE BALANCE TRANSFER DEPT TOLD HER TO SAY. FINALLY I TOLD THEM I WILL BE REPORTING THIS INJUSTICE AND GREED BECAUSE I WILL NOT BE TAKEN ADVANTAGE OF. I WAS ASKED TO RETURN THE MONEY AND I DID JUST THAT. YET YOU STILL BILLING ME FOR AN OFFER I DONT HAVE. I NEED HELP!!! THIS IS NOT RIGHT. THE ACCOUNT MANAGER SAID THEIR IS NOTHING SHE CAN DO. I ASKED HER TO NOTE MY COMPLAINT AND THAT I WILL BE FILING COMPLAINTS AS WELL AS INFORMING THE MEDIA, THE BBB, THE INSPECTOR GENERALS OFFICE, AND THE FEDERAL TRADE COMMISSION IF I AM NOT REFUNDED ... .. PLEASE   HELP ME BEFORE THIS GETS UGLY BECAUSE I WILL TAKE THEM TO COURT ... .. THANK YOU

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AVANTE
State: NJ

Complaint narrative:
When I called to inquire about the  XXXX    XXXX   debt fro m 2012 the indiv idual started asking me questions about the debt. I explained that we paid the  XXXX   XXXX  bill and proved it to the collector years ago, she then hung up the phone on me. Unfortunately it 's still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On  XXXX   XXXX   2017  i contacted  XXXX   XXXX   XXXX  about my Equi fax Credit file reporting the same account twice. One reports as a charge off and one reports as an open credit card balance. The information reporting is incorrect. I have disputed this and the company keeps verifying incorrect information. I have asked for this incorrect information to be deleted from my credit file only for inaccurate information to remain on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On   XXXX   XXXX   XXXX     I picked up mail from  XXXX   XXXX   Post Office whic h they were holding for no apparent reason. I found  XXXX  notice to collect {$450.00} from me. I called asking what this was about and all they would say that it was a outstanding bill from Kohl 's for {$160.00} .i asked for information and they only said it was turned over them the beginning of  XXXX . I stated that I never received any bill from Kohl 's. I called Kohl 's and all they told me is that the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MI

Complaint narrative:
This complaint is in relation to my previous complaint against the same company. My previous complaint # is  XXXX .  One Main Financial was supposed to mail me my original loan documents to prove that I signed an agreement stating that only one of the two borrower 's signatures are required to complete loan modifications. I have yet to receive those documents nearly 60 days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
Amount :  XXXX  I moved to NJ in  XXXX , this was open on  XXXX  in  XXXX , .PA. I call & they were very rude, refusing to listen & just asking how I 'm gon na pay. FRAUD I called them and they refused to listen to me, instead demanded a form of payment. I am a single mother home bound due to current health issues. I have no income, I even said if I could get this resolved with  a manager, they  refused. They refused to acknowledge that I was not at that location. This is a fraudulent charge and needs to be removed from my credit report ASAP.       I want this removed from my credit report, and the charge removed, this is a fraudulent account. I need to resolve this in order to provide for my family.     Please report this company as unable to attend to customer needs and refusing to provide escalation when needed. Someone open this fraudulently and  Southw  est Credit System refused to listen or help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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: NM

Complaint narrative:
Refuses to remove all inquiries. I have contacted the credit bureau multiple times explaining that I have contacted the furnishers of information they are reporting inquiries from and I have been able to get no where. I have not been able to get any factual evidence showing that the inquiries reported are mine. The credit bureau agency claims that they have validated the inquiries are factual. How can they determine something is factual when I can not?

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 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CHECK INTO CASH INC.
State: NJ

Complaint narrative:
When I called to inquire about the  XXXX   XXXX  debt from  2012  the individual started asking me questions about the debt. I explained that we paid the  XXXX   XXXX  bill and proved it to the collector years ago, she then hung up the phone on me. Unfortunately it 's still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, I am sick and tired of going back and forth with you about a bankruptcy reporting on my credit file. I received a response from you from the same issue which you failed to respond within the 30 day time-frame back in  XXXX    XXXX  . Complaint #  XXXX  has stated that   XXXX   was requested to verify the information concerning this bankruptcy. If fact, this was their last response. " TransUnion has verified that the bankruptcy information reported in your credit report accurately reflects the public record of the United St ates Federal Bankruptcy Court,  and is currently reported on your credit report as permitted by federal law. '' I looked into this issue even further. I actually had a conversation with a court representative. I asked him, " How is it that  XXXX  or a  Third Party  able to " verify '' that the court information is actually mine? '' He said on the original petition there is a full social security number only and filed under seal. In order for a credit bureau or any third party to obtain this information, they must file a motion with the court to unseal documents related to a case.     I then decided to contacted the Bankrupt cy Court and they informed me that they do not provide anyone with a debtors full social security number, an d they do not provide any credit bureau any information relating to any bankruptcy cases. As you well know, it is a violation of the Fair Credit Reporting Act to report erroneous information on a creditreport. I ask that you remove it immediately.

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 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The following accounts have been previously removed but keep reappearing on my credit report. The following companies have been removed from the report several different times but keep reappearing with old reporting dates.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   US Dept of Education   XXXX   XXXX   State Tax Lien   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have actually resolved this problem but am very concerned about others in this same predicament. I received a bill for {$23.00} from  Chase milea ge plus  XXXX  in  XXXX  with payment due on Sunday,  XXXX   XXXX . I paid the bill via bill pay from my bank on  XXXX   XXXX . The payment arrived  XXXX   XXXX , Tuesday. My next bill arrived with a {$15.00} late charge on a {$23.00} bill. I found this to be infuriating and appalling. I have received assurance that my account will be credited next month but I am still angry and wondering if this is even legal? Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Refuses to remove all inquiries. I have contacted the credit bureau multiple times explaining that I have contacted the furnishers of information they are reporting inquiries from and I have been able to get no where. I have not been able to get any factual evidence showing that the inquiries reported are mine. The credit bureau agency claims that they have validated the inquiries are factual. How can they determine something is factual when I can not?

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 2017-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
This company has been harassing me since  XXXX   XXXX . I told them not to call any more. I several more calls but blocked the number. I got a call from a friend of mine they had called her on  XXXX   XXXX  looking for me. On  XXXX   XXXX  I got a call from m y Dad tha t they had called him looking for me. On  XXXX   XXXX  I received a call at my job from them telling me I had to pay it then. I told them they had harrased my friends and family and now calling my work after I told them to stop. On  XXXX   XXXX  I got another call from them at my job. I told them I have told you to quit calling me. The man on the phone said well you have not told me. Seriously. Then he berated me, I hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. MY PURSE WAS STOLEN CONTAINING MY ID ALONGWITH SOCIAL SECURITY CARD AND OTHER PERSONALS. THERE IS AN ADDRESS  XXXX    XXXX   XXXX   XXXX  ,  XXXX   XXXX ,  XXXX ,  XXXX  LISTED ON MY CREIT REPORT. I HAVE NEVER LIVED AT THIS ADDRESS. MY ADDRESS IS  XXXX    XXXX   XXXX   XXXX  ,  XXXX   XXXX ,  XXXX ,  XXXX  AND MY ADDRESS PRIOR WAS  XXXX   XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX . I STARTED RECEIVING COLLECTION LETTERS TO MY HOME AND HAVE TRIED ON COUNTLESS OCCASIONS TO DISPUTE THE INACCURAICES WITH NO RESOLUTION. THIS IS RUINING MY LIFE AS WELL AS MY REPUTATION. I CALLED EQUIFAX,  XXXX  &  XXXX  AND WAS ADVISED I NEEDED TO SEND IN A COPY OF A POLICE REPORT AND ANY ACCOUNTS ASSOCIATED WITH THIS ADDRESS WOULD BE REMOVED. I HAVE DONE THIS. I HAVE SENT MY FAX TO EQUIFAX  XXXX ,  XXXX   XXXX   XXXX  ALREADY. I UPLOADED REPORT TO  XXXX  AT  XXXX . I AM BEING TOLD I NEED TO SEND IN A WHOLE DIFFERENT POLICE REPORT EACH TIME. I AM NOT UNDERSTANDING WHY. I HAVE DONE ANY AN EVERYTHING I HAVE BEEN TOLD TO GET THIS RECTIFIED. I EVEN HAVE THE FRAUD ALERT ON MY REPORT THROUGH ALL THE BUREAUS. THIS IS REALLY INCONVENIENT AND THIS IS CAUSING ME DISTRESS. I WOULD HATE TO HAVE TO GET MY LAWYER INVOLVED AT THIS POINT. I AM LOOKING TO PURCHASE A HOME BUT I CAN NOT DO THAT WITH ALL THESE INACCURATE DATA REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I rented my basement to a gentleman and without my permission or knowledge he intercepted my mail, got my personal information and fraudulently used my name to open an account. I called them and they refused to listen to me, instead demanded a form of payment. I am a single mother   XXXX   XXXX   due to current health issues. I have no income, I even said if I cou ld get this resolved with a manager, they refused. They refused to acknowledge that I was not at that location. This is a fraudulent charge and needs to be removed from my credit report ASAP. I want this removed from my credit report, and the charge removed, this is a fraudulent account. I need to resolve this in order to provide for my family. Please report this company as unable to attend to customer needs and refusing to provide escalation when needed. Someone open this fraudulently and I called them and they refused to listen to me, instead demanded a form of payment. I am a single mother   XXXX   XXXX   due to current health issues. I have no income, I even said if I could get this resolved with a manager, they refused. They refused to acknowledge that I was not at that location. This is a fraudulent charge and needs to be removed from my credit report ASAP. I want this removed from my credit report, and th e charge removed, this is a fraudulent account. I need to resolve this in order to provide for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: OH

Complaint narrative:
My mortgage fell behind due to unemployment. While applying for a mortgage modification,  XXXX  sold my defaulted lo an to Midland Mortgage/ Midfirst Bank . I then immediately began the modification process with Midfirst. I was told that they had received all of my documents for the modification. After a couple of weeks of waiting to hear about modification options, Midfirst s ent me a document stating that they have not received all of the documents for consideration of a modification. On the same day I received a notice that they 'd submitted my mortgage to an attorney for foreclosure actio n. Attorneys  filed to foreclose on my property on  XXXX   XXXX ,  2017 , without any consideration of a workout plan. I have been trying to apply for a modification and resubmitted my entire application online, but I am still getting notices in that they have not received all of my documents. While their online portal reflects that those documents have been received.

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 2017-04-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a complaint with equifax on  or around 2015 r egarding incorrect information appearing on a credit report involving  XXXX . It was reported back to me that this case was incorrect and would be closed with no consequence to my credit. and all reporting would be updated. This is Still showing up on credit reports. The la st one I looked at was with   XXXX   XXXX   and it shows as a collection. This is incorrect and needs to be updated as it is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
XX/XX/XXXX  I have been working with Resurgent Capital Services (  XXXX   )  for months to obtain detail on a debt improperly sold to them by  XXXX   XXXX . Despite  XXXX  's refusal to discuss details of an account sold to an external collector, I was able to escalate the matter to several supervisors and a Department  XXXX  in  XXXX  's  XXXX  Department. I was able to ascertain the debt was assessed due to an improper billing of usage fees and an early termination fee  (  ETF ). Both were waived and the account was settled at or around  XXXX  of  XXXX .  XXXX  did not update their system and sold the account to a debt collector without proper notification. I had to research this on my own because, despite promises to do so,  XXXX  has not.     Resurgent claims to have initiated an investigation into the matter upon my request, but cited little more than having a  XXXX  billing statement as definitive proof that I owed the debt. This is categorically false : it is proof of  XXXX  's claim, not proof of the debt. Resurgent refuses to discuss the details of their " investigation '' beyond that. I asked for the  XXXX  customer service call logs and service records to be reviewed and discussed. I maintain that verbal discussions and agreements were reached with  XXXX , prior to the sale of the debt, that resulted in a zero balance owed. I have verified that the details of these agreements are retained by  XXXX . I also requested  Resurgent o btain copies of such detail along with records of service interruptions, dropped calls, and complaints from other customers to substantiate my claim that I was billed for services not provided and violations of the  XXXX   XXXX   XXXX  agreement with  XXXX . This information exists and is available to  Resurgent.      Due to the lack of ethical pursuit of debt validation, and the verbal agreements reached with  XXXX   XXXX , I am looking to immediately remove the falsely reported collection from my credit report as Resurgent does not possess the necessary evidence to support their debt claim under the Fair Credit Reporting Act and has not complied with the requests for information substantiating their false claim of debt. I have initiated reviews with all three credit reporting agencies as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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: NM

Complaint narrative:
Refused to provide validation of debt.

Company response to consumer: Closed with explanation