vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
See my complaint attached. See XXXX XXXX vs. XXXX XXXX Transcript attached. See emails attached. I am waiting for Ocwen Loan Servicing counsel XXXX XXXX to respond to my email providing me with a good a day and time when my FBI forensic signature expert can authenticate the American Home Mortgage Modification with my forged signature. The Schedule A with my forged initials. The void assignment and the Manufactured Note. I have attached a part of the 2010 transcript of robo-witness XXXX XXXX swearing under oath to have all the records with him during the trial. Robo-witness XXXX XXXX changed his stories multiple times recalling things from his memory and remembering things around this day and that day. Having no records of amount owed on the bogus loan. Robo-witness - I do n't know of the exact amount! The Judge - the witness could not lay a foundation. XXXX XXXX - XXXX XXXX XXXX owe more then {$300000.00}? The Judge - He said he do n't know! Robo-witness XXXX XXXX either had all the records with him or his did n't? XXXX XXXX, American Home Mortgage and crooked attorneys committed fraud upon the court to be guaranteed favorable judgment to embezzle my home doing the time I was declared permanently XXXX hospitalized and unable to defend myself. Ocwen Loan Servicing unorganized crime operation and its shady pathological employees who lie through there teeth are attempting to illegally embezzle my home to enrich themselves. Ocwen Loan Servicing is the  worst unorganized crime operation of them all. How much more will the American people take?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 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: 360 MORTGAGE GROUP LLC
State: MD

Complaint narrative:
XXXX/XXXX/2017 - Present. 360 Mortgage has not and refuses to produce the original promissory and 'alleged ' loan instruments for inspection. 360 Mortgage separated the original promissory and 'alleged ' loan instruments, instead utilizing XXXX XXXX XXXX XXXX ( XXXX ). 360 Mortgage refuses production of its bond and charter to conduct business at XXXX, continuing to escheat my estate. 360 Mortgage 's continued unlawful practices is indicative of an occupational government and its rogue corporations. I intend to forward this submission and all correspondences to the united states ( Organic ) Attorney Solicitor for action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Reliant Capital Solutions, LLC
State: CT

Complaint narrative:
On Friday, XXXX XXXX, 2017, around XXXX, XXXX , XXXX Ext XXXX, from Reliant Capital Solutions elected to locate my grandaughter 's, associated with my grand daughter to call my home demanding to speak with my grand daughter. 
I played the game to attain info to report. My daughter has a college debt, she is paying down accordingly. This XXXX guy noted I WILL 'NOT SPEAK WITH ANYONE ' BUT XXXX . 
SHE IS AN ADULT, My daughter handles financial matters as XXXX attends college, has no income, by daughter supports XXXX 's financial needs. 
I advised XXXX that the call will NOT be passed on. My daughter was deeply hurt and angered as she is paying the balance, but XXXX INSISTS ON EXCLUSIVELY SPEAKING WITH XXXX TO TAKE ADVANTAGE / HARASS HER. WE protect our children from preditors, XXXX is a preditor. 

XXXX need to be directly advised of the threatening implementation of his calls. 

XXXX XXXX Grandmother

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
There are about 50 inquiries on my credit report. I didnt put there. The only inquiries I put where capital one when I bought my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 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: GA

Complaint narrative:
I have written letters as well as called each of the bureaus describing the issues I was facing regarding the multiple inquiries. I have letter certified mail receipts of when I attempted to contact Transunion, XXXX, and XXXX. I have also called the companies in which the inquiries were made and they were unwilling to help.

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 2017-11-12 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Someone put me down as a co signer on a fraudulent car loan and this company refuses to fix it no matter what I send in. I have sent a police report, documents and a ftc identity theft report yet this fraudulent account is still on my credit report fraudulently blemishing my record and I was n't given a chance to send all the information in within the first 30 days before it was reported to my credit due to all mailings going to an address I am not associated with that went to the fraudster. So I could n't dispute the fraudulent nature of this account. Which in turn causes me to miss other accounts that were fraudulently opened after that such a XXXX car insurance, a light bill, cable and an apartment after that point of first compromise. If this step does not resolve my issues I am taking legal actions regarding this unauthorized account. I should n't have to be thrown between 3 different departments when I call trying to get this removed, lied to and not provided the fraudulent application that was put in. It was not provided within 30 days of my original request for it and still have nothing on my end to try and pin point who may have done this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
There are about XXXX inquiries on my credit report. I didnt put there. The only inquiries I put where XXXX XXXX when I bought my car.

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 2017-11-12 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
There are about 50 inquiries on my credit report. I didnt put there. The only inquiries I put where XXXX XXXX when I bought my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 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: FL

Complaint narrative:
Someone put me down as a co signer on a fraudulent car loan and this company refuses to fix it no matter what I send in. I have sent a police report, documents and a ftc identity theft report yet this fraudulent account is still on my credit report fraudulently blemishing my record and I was n't given a chance to send all the information in within the first 30 days before it was reported to my credit due to all mailings going to an address I am not associated with that went to the fraudster. So I could n't dispute the fraudulent nature of this account. Which in turn causes me to miss other accounts that were fraudulently opened after that such a XXXX car insurance, a light bill, cable and an apartment after that point of first compromise. If this step does not resolve my issues I am taking legal actions regarding this unauthorized account. I should n't have to be thrown between 3 different departments when I call trying to get this removed, lied to and not provided the fraudulent application that was put in. It was not provided within 30 days of my original request for it and still have nothing on my end to try and pin point who may have done this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 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:
Someone put me down as a co signer on a fraudulent car loan and this company refuses to fix it no matter what I send in. I have sent a police report, documents and a ftc identity theft report yet this fraudulent account is still on my credit report fraudulently blemishing my record and I was n't given a chance to send all the information in within the first 30 days before it was reported to my credit due to all mailings going to an address I am not associated with that went to the fraudster. So I could n't dispute the fraudulent nature of this account. Which in turn causes me to miss other accounts that were fraudulently opened after that such a XXXX car insurance, a light bill, cable and an apartment after that point of first compromise. If this step does not resolve my issues I am taking legal actions regarding this unauthorized account. I should n't have to be thrown between 3 different departments when I call trying to get this removed, lied to and not provided the fraudulent application that was put in. It was not provided within 30 days of my original request for it and still have nothing on my end to try and pin point who may have done this.

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 2017-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Repeated daily calls for XXXX. I have told them numerous times they have the wrong number but they will not stop calling. Today XXXX/XXXX/XXXX they woke me up on Sunday morning at XXXX the one day I get to sleep in. This has to stop. I do not know a XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I received a copy of my Equifax credit report. The report showed credit inquiries that I do n't recall authorizing. I have called Equifax and the companies who requested the inquiries to no avail. I have no accounts with these companies listed below, and I have been given a complete run around by trying to get these items removed. 

Company Name : Date : XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX : XXXX XXXX XXXX XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
Every day for about a week, commenity bank calls me 9 times a day and sometimes 4 times in less than an hour. I have asked them to stop calling so many times, I have asked them to take my number off their list, and even asked them not to call at certain times because they are calling during the time I go to bed. They have not stopped trying to contact me and have now started calling my mother as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 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: IL

Complaint narrative:
Inquiries are study being pulled on my credit report unauthorized, affecting my credit score. Im only being made aware of this because in have a monitoring service. 
Credit check total sends me alerts when someone pulls my credit. On XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Experian XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX and XXXX XXXX/XXXX/XXXX XXXX Payments XXXX/XXXX/XXXX XXXX who are these people.All these inquiries just constantly every other day. I have a Fraud Alert on my credit file!!!!!! 
And I just submitted a complaint about inquiries last weekend!!!!!

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 2017-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX, I redeemed points and paid {$140.00} for a rental car voucher with XXXX rental. This was though XXXX Card services, which is now Bank of America. XXXX refused to accept the voucher and billed me {$280.00}. I disputed this with Bank of America and they denied my claim. I have paid for this rental twice. Points in the amount of XXXX we 're deducted from my regards 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 monetary relief
Consumer complaint received 2017-11-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have written letters as well as called each of the bureaus describing the issues I was facing regarding the multiple inquiries. I have letter certified mail receipts of when I attempted to contact XXXX, XXXX, and Equifax. I have also called the companies in which the inquiries were made and they were unwilling to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 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: GA

Complaint narrative:
I have written letters as well as called each of the bureaus describing the issues I was facing regarding the multiple inquiries. I have letter certified mail receipts of when I attempted to contact XXXX, Experian, and XXXX. I have also called the companies in which the inquiries were made and they were unwilling to help.

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 2017-11-12 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I called Equifax to have the hard inquiries removed from my credit bureau and they directed me to the company. I went to the companies and the directed me to Equifax. I was a victim of the Equifax breach and I dont think its fair for the burden of their misuse of my credit information be placed on me the consumer. I have 17 hard inquiries on my credit file that I didnt authorize or dont recognize and I want all of them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: GA

Complaint narrative:
I got a loan of {$700.00} on XXXX/XXXX/XXXX from XXXX. I have paid 4 payments of {$260.00} since my first payment ( monthly ) on XXXX/XXXX/XXXX. Before my third payment I called to ask the exact amount for payoff of this loan and was told $ 900+ which I could not pay at the time. I assumed after the third payment and the 4th payment my total payoff would be much lower so I called before my 4th payment to ask the payoff amount so that I could get this bill over with and was again told the payoff amount was $ 900+. I have paid {$1000.00} as of my 4th payment on XXXX/XXXX/XXXX. I feel that I have paid my original amount of {$700.00} plus {$350.00} in interest. 

Now, I am beginning to feel scammed because that is enough for a {$700.00} loan. I am a senior of XXXX years old on a fixed income, and this becoming unbearable  for me. I have borrowed from XXXX  before and only paid approx $ 100-200 depending on the amount borrowed, however, I always made the loan off on the first due date, this loan of {$700.00} is the first installment payments I have made. I am scared and know this is wrong, so please help me with this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax is not allowing consumers to dispute stuff on the report. They are in direct violations of Federal Law. They continue to destroy communities with their Fraudulent behavior. Getting tired of not being able to access our own information. They have it to where you have to pay to dispute inaccurate information on your own credit report. These crooks need stopped for once and all. STOP RIPPING OFF THE AMERICAN PEOPLE > AND ACTUALLY DO THE RIGHT THING

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: OH

Complaint narrative:
For two years in a row, I have submitted income documentation to XXXX to recertify my income-based repayment eligibility and payment amount. For two years in a row, XXXX has held on to this documentation until the last minute, then sends me the recalculated payment amount less than one money before the new payment amount is to go in effect. For two years now, XXXX has not factored my spouse 's student loan debt into the payment calculation, despite it being included by me both years. In fact, this year, I even starred and highlighted it and they still left it out. Last year, they fixed their mistake and lowered my payment amount accordingly, but it took them an extra money that I had to pay nearly double my normal amount. This year, the same thing happened, but they offered me an administrative forbearance for that one month while they fixed their own mistake. They assured me interest would not capitalize during an administrative forbearance of their own accord, and I also still have financial hardship so it would not capitalize. I just got a letter that it will capitalize, and it will be over {$15000.00}!!!!! Please help. 

Of less importance to me now, but still frustrating, they have refused to calculate my PSLF payments saying my employer start date is missing on my verification form. It was n't. I resent it and highlighted it and they still said it was missing! They then agreed to do a special recount since they saw it was there by phone. It 's been 6 months and I 've still heard nothing back. They say it 's normal processing time! 

My primary concern right now is the interest not capitalizing on XXXX XXXX. XXXX has purposefully ignored information provided by me, held on to things for months, and taken advantage of me financially through their own mistakes again and again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I did n't approve these inquires : XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, IN XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX Inquiry from XXXX XXXX, XXXX XXXX. 

XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX Finance XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX XXXX from XXXX XXXX, XXXX Finance XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX XXXX. 

XXXX XXXX XXXX from XXXX XXXX, XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance Cap One Inquiry from XXXX XXXX, XXXX Bank Cap One Inquiry from XXXX XXXX, XXXX Bank XXXX XXXX from XXXX XXXX, XXXX Finance XXXX Inquiry from XXXX XXXX, XXXX Finance I filed a identity theft a few months back but have not been successful with contacting these people to get them removed and some of the inquires are doubled so they should of known something was n't right.

Company response to consumer: Closed with explanation