vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
This is my third time filing a complaint with the Consumer Financial Protection bureau I have not received any response from this entity of Government as suggested from a response from the state of ohio attorney generals office I am submitting a final complaint before further actions are taken Ocwen Loan servicing C/O XXXX XXXX foreclosed on my property illegally. XXXX County Court has been a party to these illegal seizures of property for years because XXXX County officers of the court sold tax certificates to Companies that were not legal transfers because fiduciary issues of law were violated and the documents of applications to buy and sell the tax certificates were not legalized by the SEC. I and several other homeowners will be initiating a class action lawsuit against The State of Ohio, XXXX County and The ConsumerFinancial Protection Bureau for Conspiracy to commit Financial Fraud headline news The Big Banks are robbing consumers like XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: FL

Complaint narrative:
TODAYS DATE:XX/XX/2018 XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX   XXXX XXXX XXXX   XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX   system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX  ), and XXXX v. XXXX, XXXX  XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 




XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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:
TODAYS DATE:XX/XX/2018 XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX  Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX.XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX  ),  and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 




XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XX/XX/2018, I submitted a complaint to the CFPB against Account XXXX XXXX for an inaccurate, erroneous and unverifiable entry that was placed on my account. XXXX XXXX XXXX responded by stating that they were informing me that they were instructing the bureaus to DELETE THE ENTRY!! ( See attached ). To date, Equifax has not done so. Equifax needs to delete this entry and provide me a copy of my updated credit report that reflects the deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NY

Complaint narrative:
As a follow-up with the Roundpoint mortgage response to my complaint XXXX I've contacted the mortgage servicer to find out when they going to make a promised 3rd escrow analysis, since in the letter they stated that they have received the tax refund of {$880.00} from town of XXXX XXXX ( that money is the fee the town charged the Roundpoint for not timely paying for the school tax ) and they are in the process to do a new analysis. 
The contact name provided in the letter was XXXX XXXX. 
I did call to speak to him, but he wasn't available so to my request I was told that i will be contacted by XX/XX/18 regarding the new escrow analysis and updated bill. 
Nobody contacted me which is not surprise, knowing how dissmissive their customer service is.. 
which left me no choice but follow with another complaint to CFPB since the firsy complaint helped them to reduce my payment from {$4600.00} to {$2800.00} which i still believe is too high. 
Please respond promptly as my due date to pay is just few days away and i dont want to pay late fee. 
thank you XXXX XXXX loan # 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 explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Starting XX/XX/2018 I have been receiving phone calls From XXXX XXXX debt collection agency. Upon every phone call I verified my name and mailing address and requested a debt verification letter to be sent to me. In XX/XX/2018 I informed XXXX XXXX that I have never received any debt verification letter. Today is XX/XX/2018 and I have still not received any debt verification letter from Midland. Since Midland started calling me weekly since XX/XX/2018, I have asked for a debt verification letter and I have reviewed and verified my mailing address. Midland maintains that they have sent a debt verification letter ; Midland continues to call and request payment by phone or online for a debt of {$560.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I submitted an application to Citi Bank for a promotional offer I saw online. https : //www.citicards.com/XXXX I received a request for additional documentation including photocopies of my XXXX and payslips ( which is not a common request from credit cards and I still complied with those requests ). 

My credit score is excellent ( XXXX ) and my XXXX shows income above XXXX dollars a year. I did not receive a fair explanation of the reject letter either and I have to assume that it is discrimination.

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 2018-07-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CO

Complaint narrative:
Rushmore purchased loan in middle of short sale. Lost all documentation over and over during several months. Point of contact for them ( XXXX ) is never available, and has not once returned a call. We lost 3 potential buyers because they can't respond or keep documents in order. Now we get a notice to foreclose, but they can't explain why. We have proof of submitting the same documents up to 8 times, but still unavailable by them. They repeatedly yell and cut you off when you are trying to talk to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: NY

Complaint narrative:
I have no knowledge of this debt. 
I'm requesting for a debt validation of this debt or delete the negative report off my credit. 
As FDCPA you must provide phisical proof of this debt such as : original document with my signature on it, any and all cansel check, contractual agreement that you have the right to collect this debt, etc ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
A stop payment was requested against XXXX XXXX with my banking institution/XXXX  XXXX on XX/XX/XXXX. While initiating the request an " estimated amount '' of the transaction was to be provided, with the understanding the amount wasn't necessary to stop the payment as long as the merchant information was correct. It was presented in a manner to seem as though it was a filler amount for the banking customer service side. Stop payments have a fee of {$31.00} per bank account. As this merchant and I were in dispute that may go to litigation, I felt this would be the correct course of action, barring closing bank accounts. What followed, the merchant was able to post a transaction to my account on XX/XX/XXXX. The stop payment was not effective whatsoever. After speaking with Wells Fargo today, XX/XX/XXXX, they then stated that the amount was I gave them as an estimate was not accurate, so therefore they could not stop the payment based upon the merchant information. After speaking with XXXX, XXXX and then finally XXXX in the customer service department, a " courtesy '' reimbursement for the stop payment fee was issued after they originally stated they could squeak by with reimbursing {$7.00}. As I've been a Wells Fargo customer since XX/XX/XXXX, I've reached the limit on my customer loyalty after experiencing horrible customer service coupled with scam fees.

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 2018-07-10 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: AL

Complaint narrative:
ON XX/XX/18 I SENT EXPERIAN A DISPUTE FOR ACCOUNTS CONCERNING XXXX XXXX, XXXX, XXXX XXXX AND XXXX/XXXX XXXX. ON XX/XX/18 THEY REFUSAL TO INVESTIGATE LEGITIMATE DISCREPANCIES. I HAVE BEEN DISPUTING THESE ACCOUNT WITH THEM AND THEY HAVE YET TO PROVIDE ME WITH ANY INFORMATION OR PROOF ON HOW THESE ACCOUNTS ARE VERIFIED. This is a Violation Under the Fair Credit Reporting Act 15 U.S.C. 1681g.Reinvestigation, does not mean I, the consumer prove to EXPERIAN that it's no correct and send them the information proving it to be wrong. Re-investigate means just that for Experian and if it can not be VERIFIED it must be deleted. As, prescribed by SECT. 611 ( 5 ) A. I have the dates that I sent Experian.

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 2018-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
I received a letter dated XX/XX/2018 stating the " Reinstatement Fee of {$5400.00} '' was required to bring our mortgage back into 'good standing ' ; and, to avoid foreclosure and the subsequent sale of our home ( home sale is scheduled for XX/XX/2018 ). 

On XX/XX/2018, I submitted a wire transfer of the required fundsdirectly to Chase, to the attention of " XXXX XXXX '', pursuant to their wire transfer instructions received on XX/XX/2018. 

The legal firm of XXXX, XXXX, XXXX, XXXX, XXXX was/has been retained by JPMorgan Chase Bank, National Association, to handle the sale of our home, on XX/XX/2018. After speaking to one of the legal firm 's legal representatives, I was informed " sending the required funds ( to stop the foreclosure and sale of our home ), by wire transfer, would be the fastest and safest way to reinstate our mortgage ''. 

To date ( XX/XX/2018, XXXX XXXX. EST ), the funds have not been applied to our account. It has now been 73+ hours ( 'business days ' not including Saturday and Sunday ), since the funds were transferred directly into Chase 's account # XXXX, Routing # XXXX. 

MY QUESTION IS : " HOW LONG DOES CHASE HAVE TO LEGALLY APPLY THESE FUNDS TO AN/OUR ACCOUNT? '' 73 Business Hours should be adequate, to apply the money directly to an account, sitting in Chase 's Reinstatement Processing Department. Further, why can NO ONE at Chase tell me WHEN these funds WILL BE APPLIED TO OUR ACCOUNT ( TO CANCEL THE SCHEDULED SALE OF OUR HOME )? 

There is a difference between " How long it takes Chase/a bank to apply funds to a home in foreclosure '' and " How long Chase/a bank is legally allowed to take to apply funds to a home in foreclosure ''. WHAT DOES BANKING LAW STATE ON THIS ISSUE?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
American Express is charging not only late fees but also delinquency fees right on top of the late fee. At just over 2 % of the balance, the delinquency fee can be 2 or 3x that of a late charge plus you still get charged the late fee. I was also informed that they would not guarantee that they would not charge a late fee on a balance that is only the amount of previous late fees. Essentially late fees on late fees. This account has a heavy volume of usage and American Express receives large payments at least monthly if not more often.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: CORELOGIC INC
State: TX

Complaint narrative:
Inquiries from these companies. 
* XXXX XXXX XXXX via XXXX  XX/XX/XXXX * XXXX XXXX XXXX via XXXX XX/XX/XXXX * Primary Residental via XXXX XX/XX/XXXX Disputed these with all 3 CB. Received 3 letters from XXXX stating that they can NOT find inquiries. Called all 3 CB to let them know of these letters to have the inquiries removed and was told to file a claim with you.

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 2018-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have no knowledge of this debt. 
I'm requesting for a debt validation of this debt or delete the negative report off my credit. 
As FDCPA you must provide phisical proof of this debt such as : original document with my signature on it, any and all cansel check, contractual agreement that you have the right to collect this debt, etc ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Financial Solutions, LLC
State: NY

Complaint narrative:
I have no knowledge of this debt. 
I'm requesting for a debt validation of this debt or I have no knowledge of this debt. 
I'm requesting for a debt validation of this debt or delete the negative report off my credit. 
As FDCPA you must provide phisical proof of this debt such as : original document with my signature on it, any and all cansel check, contractual agreement that you have the right to collect this debt, etc ... 
As FDCPA you must provide phisical proof of this debt such as : original document with my signature on it, any and all cansel check, contractual agreement that you have the right to collect this debt, etc ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX claimed bankruptcy and went out of business in XX/XX/XXXX. I was laid off my job in XX/XX/XXXX and my husband is XXXX on social security in XX/XX/XXXX. We have been evicted from our home on XXXX XXXX XXXX XXXX, CA, XX/XX/XXXX. After being homeless we moved to XXXX, CA in XX/XX/XXXX. My husbands health continued to decline and died on XX/XX/XXXX. This company has no right to continue to collect a debt that has already been written off my credit. I never owed them any money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Navy Federal must report accurate information. My credit report is reporting that my XXXX and XXXX payment is 30 behind and as of today is XX/XX/2018 Im. It 30 days late. Navy Federal needs a better system to repos accurate delinquency. I reported to Navy federal that I have a medical emergency and I cant afford my payments. I need their assistance to reduce these Payments. I mailed in my XXXX payment to see if the company would get that faster but it still didnt report. I am so grateful for getting a credit card with this company but they arent reporting accurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I disputed every negative item on my credit report, I also provided accurate information for the reasons why I'm not liable for those debts according to the law, I'm full aware that all these corporations, including this very one I'm utilizing for the complaint is using a name not associated with me, I've stated I'm not a ALL CAPITAL LETTERS CORPORATION or 14th Amendment Citizen, I'm a free XXXX National, most of those debt collectors aren't a party to the matter, they brought the debt from the original creditor, I never signed a contract with any of them, and for your organization to confirm anything from those debt collectors is fraud, because they're using a name similar to mines, who isn't me, I've also reserved my rights ... UCC 1-308, I've quoted HJR 192, and only Congress can coin and make legal tender, Credit is not legal tender, I have grounds to sue these debt collectors or any organization who uses my name without my consent, and committing fraud.

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