vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-11 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: NY

Complaint narrative:
This letter is my final communication regarding the inaccurate entries being reported on my credit report. 

I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by these offices substantiating their claims. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I have filed a Small Claims lawsuit against you. 
I have maintained careful records of your actions, and you will now be required to appear at XXXX XXXX XXXX, XXXX, NY XXXX. 

I am seeking {$10000.00} in damages plus {$1000.00} per incident for : Violations of the Fair Credit Reporting Act - including but not limited to Section 611 Violations of Defamation Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 


Prior to our court date if you should decide to correct your records and remove the negative and false item in question, please contact me at the address below, and I will subsequently withdraw the lawsuit. 

My contact information is as follows : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX Cc : My Attorney Credit Inquires : The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : 1- XXXX - XX/XX/2018 2- XXXX - XX/XX/2018 3- XXXX XXXX XXXX XXXX XX/XX/2018 4- XXXX XX/XX/2018 5- XXXX XX/XX/2018 6- XXXX   XX/XX/2018

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 2019-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited three checks via mobile deposit.

I forgot to write my name to the pay to order section I called if they can cancel it and I will correct it but I was told it can not be cancelled. 

The funds was already debited from the check issuer but chase is still holding the funds because they said they can not verify the checks if they can not verify it then why they took the money from the check issuer? 

Checks was deposited XX/XX/XXXX,2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: WI

Complaint narrative:
Loan originated XX/XX/XXXX Lender failed to pay property taxes for XX/XX/XXXX so I paid them myself and was reimbursed but not before being told they didn't owe to pay my property taxes despite their collecting escrow for it. 
I again paid my own property taxes for XX/XX/XXXX on XX/XX/XXXX sending proof to lender and am now having trouble getting reimbursed by lender who keeps telling me they are going to refund me but do not and refuse to escalate to supervisors. Last customer service rep XXXX told me he had no supervisor contact information on XX/XX/XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/2019 Experian PLC I have had problems with credit report abuses. I found I could put a freeze on my credit reports. Because of the problem I wanted to put a freeze as soon as possible on my reports. 
We are retired and are full time cruisers on a small yacht. We are currently cruising the XXXX until XXXX when we will return to the States. 
I had no problem setting up my freeze with XXXX. When I tried to set it up with Experion, It refused my request and told me that I had to send information in by land mail and they would review it. 
We do not have access to safe land mail out of the XXXX so I tried to contact them via email but they do not provide an email for that contact. 
Now, I can not secure my credit report from fraud and being that they are one of the top 3 reporting companies, we as consumers, are required to deal with them. Yet, they refuse to allow me to contact them via the only method I have available and refuse to allow me to freeze my account and make it safe. With an email contact, I could send them whatever information they need : ie. Drivers License copy. But, they refuse to do so. 
I consider this a violation of the Legal aspect that binds them and want to file this complaint.

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 2019-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
i Have a current loan with OCWEN mortgage. They agreed thru a bankruptcy court action, via a signed agreement, that they would honor a former modification applied for in 2011. Approved thru my BK # XXXX plan and signed by the JUdge. XXXX decides at a later date they will NOT honor the signed agreement. I had to obtain services of a lawyer to force them into agreement last summer. On XX/XX/XXXX, same year they file a NOD, after agreeing my loan was current. They now have just filed a NOS. They refuse to honor signed modification or agreement done thru XXXX last year. In addition, they refuse to accept current payments on my loan. I now face having to refile XXXX. I also had to spend another {$5000.00} in legal fees to bring a federal action. Can CFPB help me in any way to open investigation into this matter? I only have limited time. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: IL

Complaint narrative:
I tried using the XXXX XXXX XXXX card on XX/XX/XXXX. My child support was direct deposit on XX/XX/XXXX. The merchant informed me my card declined. I called to informed my card had been compromised on XX/XX/XXXX. They explained I should receive documents they mailed in XX/XX/XXXX to make a proper claimed. I called back for an update XX/XX/XXXX. They said that is not in the system however they would mail out documents. XX/XX/XXXX I called they said give it satybut they will mail out documentation. Saturday gets here and they stated they will mail out documents. I still havent received anything XX/XX/XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
CITIZENS ONE IS NOW CAUSING PUBLIC EMBARRASSMENT BY SENDING A LATE NOTICE AND A CFPB RESPONSE TO AN ADDRESS I HAVE NOT LIVED AT SINCE XX/XX/2018. THIS WAS HAND DELIVERED TO ME BY MY OLD LANDLORD, WHICH IN TURN HAS CAUSED A PROBLEM AS THEY ARE UPSET I LEFT DUE TO A HOME PURCHASE. 

XXXX XXXX, OFFICE OF THE CHAIRMAN INTENTIONALLY SIGNED, APPROVED, AND MAILED A CFPB RESPONSE LETTER TO ME ; WITH AN OLD ADDRESS THAT HAS BEEN PREVIOUSLY UPDATED ON THEIR FILES. THIS WAS AS A FOLLOW UP TO MY REQUEST FOR WRITTEN COMMUNICATION ONLY, TO A CFPB COMPLAINT, AND ALL FUTURE CORRESPONDENCE. WHEN I STARTED MY COMPLAINT ABOUT THE COMPANY, I HAD A CURRENT AUTO LOAN, IN FACT IT WAS OVER PAID THE PRIOR MONTH. 

I WAS ASKING FOR AN EXTENSION, AND AT THE BEGINNING OF MY CALL I WAS FALSELY MISLEAD THAT I WOULD RECEIVE THAT EXTENSION, THEN TREATED POORLY ON THE PHONE ; AND TOLD I DO NOT QUALIFY AFTER I WAS TOLD THEY WOULD HELP. NOW THIS. 

I FEEL LIKE CITIZENS IS TRYING TO INTENTIONALLY HARM MY REPUTATION AND NAME, AND HARASS ME. 

I PAY MY BILLS ON TIME, I HAVE A HIGH CREDIT SCORE, AND THIS IS UNJUST HARASSMENT FROM CITIZENS ONE BANK

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Since Thursday I've received 12 calls for a payment for which the account is in dispute. I specifically told Bank of America that I will pay the full debt due as long as they are reporting my payments accurately for which they have not. I've spoke with Bank of America regarding the insistent phone calls. This is harassment furthermore, the company reflected a late payment that should not have been.

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 2019-02-11 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:
The following addresses does not belong to me and are showing in my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Also all the following names are incorrect/innacurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On or about XX/XX/XXXX our mortgage was sold by XXXX XXXX to PNC Bank. After being sold we were contacted by PNC Bank who stated that we were required to pay extra into our escrow because of a company policy requiring us to have a cushion/reserve. If they purchased our loan how could they change the terms that were originally agreed on? This action seems predatory in nature. However after they threatened that if we did not pay it our home could go into foreclosure we came to an agreement to pay it over 24 months added into our monthly mortgage payment. 
In XX/XX/XXXX we prepaid half of XXXX property taxes approximately {$5000.00}. We continued to pay our regular mortgage payment including the escrow for the entire year. In XX/XX/XXXX PNC was contacted regarding the overage of the escrow account and they refunded {$2600.00} of the prepaid taxes. I was told that they would have to do another analysis at the end of the year and they would refund the difference minus any changes in taxes or insurance rates. 
After numerous phone calls I was informed today, XX/XX/XXXX that they took the remainder of the funds and put it towards their escrow reserve. This I did not authorize nor consent to. This reserve should not have been paid in the first place as it was not on my original loan agreement. They intimidated us with threat of foreclosure to pay their reserve escrow and now have taken money that was not authorized to go towards that in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAM National Arbitration and Mediation
State: DC

Complaint narrative:
I was contacted by this company they call their self XXXX XXXX. I was told I had a XXXX cell phone bill for {$800.00} back in 2004 and I should pay them {$270.00} to settle the debt. I dont remember this and Im being threatened if I dont pay them with in 30 days a lawsuit would be filed against me.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-11 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: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH

Complaint narrative:
I received a Installment Loan in the amount of {$700.00} in XX/XX/XXXX online from ACE Cash Express.The first payment was debited in the amount of {$310.00} with subsequent payments of {$200.00} with last payment of {$170.00} debited on XX/XX/XXXX. I received email indicated that the loan was paid. On Today XX/XX/XXXX I received email indicating that I still owed {$410.00} on the loan. I contacted the company, who indicared that they have norecord of the recent payment and even with this payment I would still owe {$41000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: OCEANSIDE MORTGAGE COMPANY
State: GA

Complaint narrative:
I had switched to this mortgage company a few months prior to the incident. We switched to Oceanside mortgage company after they kept contacting us to let us know we could save money on our mortgage. When XXXX came, we were in a bad car accident and had hospital bills as well as loss of a brand new vehicle. We called Oceanside and asked if we could make a larger payment, then pay the rest the next month or even 2 weeks later. Oceanside said they could do even better and have us make 1 payment in XXXX, then spread out whatever we owed over the next 3 payments. We were happy and said thanks, and we were told that we would be counted as late in oceansides system, but once we made all payments we would be fine. So once XXXX came and we were great financially, I got an alert from XXXX XXXX saying my payment history was late on my mortgage. I called Oceanside and said I can't have this because we were trying to get a pool loan and do some renovations and were never told about this, I was told that it has to be that way and they were going to do nothing. I stated I was never informed my credit would be blemished or I wouldn't have done it, I was told it would not change. I have 4 months of late payments now and can't get my home renovated or pool because of this, nor will Oceanside add a comment of payment arrangement or anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OK

Complaint narrative:
Hello, I'm a victim of identity theft. I had 3 homes with Ocwen, They are in part responsible for helping the theifs and there illegal practices, the start of the theft was XXXX XXXX of XXXX My business huge warehouse or barn where I was selling my merchandise XXXX and XXXX then they took my email over my Morgage loan company Ocwen allow unauthorized people to add them self 's as an account managers who got my email and passwords changed my mailing address I moved in with my girlfriend put a change of address in the from me and locked me out, took me 6-7 months from around XX/XX/XXXX to XX/XX/XXXX finally got them off by then all was upside down I was about 15 years into the loan interest over 7 % Also I moved in with my Girlfriend. The thesis changed my mailing address from XXXX XXXX XXXX XXXX XXXX XXXX, to XXXX XXXX all the hard mail was diverted I did not get mail until XXXX the foreclosure on XXXX XXXX XXXX XXXX XXXX was done in XX/XX/XXXX I was in modification I called and was told to disregard the foreclosure started in XXXX and they finally finished in XXXX paid the 3 no just to find out a XXXX gallon that was have the cost of the home and payments where 25 less mean time my rental on XXXX XXXX XXXX ok was sold at auction and Ocwen subsidiary birth it back for XXXX the owed was XXXX they said it was abanded I had a renter in it never received one paper, My info was change I could have refined them i did not have leans or seconds it kept ms broke with foreclosures that are the 2 rentals my home at XXXX XXXX XXXX XXXX, ok just the other day was Refined took the home from XXXX to XXXX without a word or letter or nothing on my ruined credit with Ocwen hammering my credit score every month, XXXX my loan supervisor got me the letter that stated when the theirs where added, I could have saved all of it I had equity of XXXX all the homes in XXXX was getting ready to slow down what now? Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I check my report often to ensure that the information is reporting correctly because I became a victim of identity theft shortly after moving to XXXX. I received my updated report and there was a collection for National Credit System in the amount of {$1400.00}!!! I never heard of this company and I have not received any type of correspondence from them either via phone or mail. This is a violation of my rights and I want this account removed from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
i got call today at XXXX my XXXX  number from a collection agency claiming i owe alot of money, they said XXXX hired them to collect it, thing is. i have a pay as you phone from XXXX, so its impossible to have unpaid debt. i contacted XXXX  they said i owe nothing, i called back convergent they said i have to pay, pls help, i looked this up and it seems to be some zombie debt scam that targets people, they act like you owed something from decades ago, that now grew, they used a XXXX number but seem to be from texas, CONVERGENT XXXX, they had my name, address, phone, demanded my social and credit payment, i said no to those, XXXX told me to just ignore them, im still scared and feel threatened by all this as their is no resolution from their threats. pls help looking this, i did many other people across the nation encountering this once i looked in to it this morning! thank you, this is some very shady, scary and confusion inducing scam, please 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 2019-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
can not get credit score number. Sent a check to pay for credit score number/ Just got a report. XXXX XXXX XXXX Lending officer tried to get score still dint show any score/

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 2019-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
I fell past due on my mortgage which initiated foreclosure action in XX/XX/2019. 
I forwarded three of the five missing payments for $ XXXXon XX/XX/2019. I spoke with the Loss Mitigation Department of my Mortgage holder. The Loss Mitigation Department advised me that the mortgage was turned over to an attorney and all past due payments had to be submitted to them by XX/XX/2019. I submitted the funds for all past due amounts {$6300.00} and {$5100.00} ( total XXXX ) on XX/XX/2019 via Next Day Air. I have confimation of the funds being delivered and received on XX/XX/2019. I have called multiple times seeking confirmation of receipt of funds and I get the funds have been received but not applied. I have not been given any explanation as to why the funds have not been applied. Furthermore, I've been advised that I am in active foreclosure ; all calls should be directed to their attorney but no information for this contact has been afforded to me. Only a collection service who will not give me any information either. When I call I'm placed on hold for 30 minutes or more and or given the run around to follow up with persons that are not named. 
The sale date is not even exact.

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 2019-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
I am in the process of rebuilding my credit and recently pulled my credit reports from XXXX, XXXX, and XXXX and noticed a debt that I believe that I do not owe. The company attempting to collect the debt is National Credit Systems. I do not believe that I owe this company or the original creditor which is XXXX XXXX. Apparently this is a joint account which I was " allegedly '' a co-signer. On XXXX.19 I sent National Credit Systems a debt validation letter requesting " validation '' as opposed to " verification. '' I have attached the response that was sent to me on XXXX.19. It is my opinion that what they sent me was not " validation ''. The company failed to provide me with a copy of the contract between me and the original creditor ( with a wet signature ). All they sent me was a statement from the original creditor, and a lease agreement that does not bear my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
XXXX XXXX 2018XXXX XXXX XXXX 2018.IN XX/XX/ 2018 I FILED A CHAPTER XXXX BANKRUPTCY. THE JEEEP WASNOTINCLUDED. IT IS FINANCED THRU XXXX XXXX. THEY ARE NOT REPORTING MY POSITIVE ON TIME PAYMENTS TO THE CREDIT BUREAUSTO RAISE MY CREDIT SCORE.

Company response to consumer: Closed with explanation