vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
1 ) The loan originated in XX/XX/XXXX ( XXXX financed ) with GMAC not XXXX, in XXXX GMAC says my balance was {$120000.00}, between XXXX and XXXX it is reported that I refinanced a total of 3 times for approximately XXXX in XXXX, XXXX in XXXX and another XXXX in XXXX. 
2 ) GMAC sold the loan to Ocwen in XXXX, I have not found what the balance was at that point. 
3 ) Ocwen transferred the loan to PHH in XXXX with a balance of {$110000.00}. 
4 ) There were some loan modifications and there were 4 foreclosure proceedings that were brought current through me making payments of the outstanding amounts plus fees.

5 ) It looks like there are some payments missing, I gained approximately XXXX to my original balances, so where did 17 years of payments ( give or take ) go? 
6 ) Using a simple mathematical calculation, if I paid a mortgage of {$540.00} every month for 19 years thats about {$120000.00}.

7 ) In my opinion there are not enough fees that can cause {$120000.00} of my money to totally disappear into thin air.

8 ) Using a basic amortization schedule a payment of {$540.00} for 228 months leaves a balance of {$57000.00}, what kind of fees would magically more than double that amount to {$120000.00} instead??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXXXXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
My name is XXXX XXXX, I am filing this complaint on my own behalf. There is no third party involved. I have new and additional information regarding case # XXXX on GOLDMAN SACHS BANK XXXX On XX/XX/2022 the Affidavit of Truth, and attached supporting exhibits were delivered to Goldman Sachs BANK, per certified mail receipt # XXXX. Goldman Sachs Bank has failed to respond via affidavit, rebutted line by line within the allotted time period given : 10 days. On XX/XX/2022, I received a packet from Goldman Sachs Bank, postage dated XX/XX/2022. This packet included a Letter, and alleged consumer contract, with arbitration agreement, and alleged statements regarding said debt. The company, Gold And Sachs Bank has continued to violate me, by failing to rebut my sent and delivered Affidavit, sent and delivered XX/XX/2022. The company, Gold And Sachs Bank has continued to violate me, by failing to send ALL requested documents requested in my original validation of debt letter sent and delivered XX/XX/2022. On XX/XX/2022 Goldman Sachs Bank attempted contact to my personal cell phone. This violates me and progresses continued harassment regarding this alleged debt, after receiving a demand to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Debt collector by the name of Credence calls me repeatedly after telling them to stop calling they call multiple times a day even after hours. It was for XXXX XXXX cancellation. I was going through a divorce and when I moved out I had to cancel services. I have not received communication via mail only repeated phone calls. I had payment arrangements through XXXX XXXX XXXX  but they still sold debt to collections. I am in the process of disputing debt with XXXX XXXX credit repair. Credence calls approx 7x a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 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: Alliance Collection Agencies, Inc.
State: IL

Complaint narrative:
I sent Alliance Collections  a letter dated XX/XX/22 to request verification of debt and HIPAA authorization. I requested the following : - Copy of my signature with XXXX XXXX to release my medical records. - Full documentation of what they received from XXXX XXXX in connection with the alleged debt. Alliance collections sent me an itemized statement and account summary that was created by them. The invoice is spelling out a specific treatment that was allegedly given, and although I am not claiming this debt, that is a HIPAA violation. I never received any type of verifiable proof of this debt or a consent form giving my HIPAA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC1681. 
XXXX XXXX XXXX-dismissed XXXX ~XXXX XXXX XXXXdischarged XXXX ~XXXX XXXX XXXX - ACCOUNT # XXXX ~XXXX XXXX XXXX XXXX - ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ~XXXX XXXX XXXX - ACCOUNT # XXXX ~XXXX XXXX XXXX - ACCOUNT # XXXX XXXX XXXX XXXX - ACCOUNT # XXXX ~XXXX XXXX  XXXX - ACCOUNT # XXXX ~XXXX XXXX XXXX - ACCOUNT # XXXX XXXX XXXX XXXX  - XXXX ~XXXX XXXX  XXXX XXXX ACCOUNT XXXX ~XXXX  XXXX - ACCOUNT # XXXX ~XXXX  XXXX - ACCOUNT # XXXX ~XXXX XXXX - ACCOUNT # XXXX ~XXXX XXXX XXXX - ACCOUNT # XXXX ~XXXX - ACCOUNT # XXXX ~XXXX XXXX ACCOUNT # XXXX ~XXXX - XXXX ~XXXX - ACCOUNT # XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1861 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality Under 15 USC 1681. Companies below has violated my rights. 

Company Name : XXXX XXXX XXXX Account Number : XXXX Company Name : XXXX XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX XXXX Collection servic Account # XXXX XXXX Lease Account # XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-04-19 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: DISCOVER BANK
State: GA

Complaint narrative:
unauthorized hard inquries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
unauthorized hard inquries

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 2022-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
I informed my mortgage or loan servicer PHH that I was the successor in interest due to divorce. I requested to assume the loan on more than 1 occassion. I just sent a letter again to them that I request the same thing once again. The letter was faxed to their escalation 's department/ research dept on XX/XX/XXXX. I am attempting to avoid foreclosure by requesting " successor in interest to assume the loan once again due to divorce ''. The former spouse states via email and in open state courts he wants nothing but to be released from the loan. So with his requests this substantiates my successor in interest to the mortgage to remove him from the loan. PHH already has the divorce decree. Divorce happened in XXXX. The co borrower has not paid on the mortgage since XXXX. Once assumption is approved I can then modify the loan in which to bring my loan current. I will attach the " successor in interest rules and laws '', as well as caselaw that states that once a party claims he or she is successor in interest to a mortgagee due to divorce and the home is located in Georgia, that all one of the party 's has to do is to inform the mortgage company that they are assuming the loan and to remove the other party from the loan. Again my former spouses emails states he wants nothing to do with the loan. He wants his name removed from the loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Company asked for a {$7000.00} down payment on vehicle and did not included an insurance premium. As per 15 USC 1605 finders fee charge should be included in the finance charge and also insurance Premium or other charge for any guarantee.

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 2022-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: OR

Complaint narrative:
On XX/XX/2022 I had sent central portfolio control a Debt Validation Letter that requested several documents be sent to me to Validate the debt. I will be attaching the Validation letter to this complaint. In the letter it specifies they have 30 days to validate the debt. I have reached out on four different occasions via email and phone to try to resolve this issue. Today XX/XX/XXXX XXXX days past the validation period, They sent me an email Pertaining to the alleged a debt. This now violates my Validation later as I had attached a ceased and desist letter and that all correspondence must be done, in writing, And sent via mail to my address. I have documented this violation for my records. They failed to validate the alleged debt, And violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NFM, INC
State: MD

Complaint narrative:
I have experienced the following issues with NFM Lending Loan Officer - XXXX XXXX the following occurred : 1. He/They changed my demographic information ( Race, nationality, and number of years lived in previous home ) without my permission and the categories chosen were incorrect. 
2. He/They did not disclose all of the title fees as presented by the title company.

3. He/They raised the points fee without warning or discussing with me.

4. I requested a copy of the loan application that was initially submitted of which has not been provided. He has not responded at all.

5. Retaliation in the form of non responsive after I confronted him about his unethical behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: TN

Complaint narrative:
Recently I sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification. These information still not removed from my report it is unacceptable and I am getting upset they are erroneous and it is impacting my life my credit rating

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 2022-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Pingora Holdings, LP
State: VA

Complaint narrative:
Pingora Loan Servicing , LLC allowed my sensitive files related to my mortgage to be accessed by an unauthorized third party via a security breach. They have offered one year of identity theft monitoring service, but I demand lifetime identity theft monitoring service as well as compensation for this mishandling of my information. They allowed a hacker to access my and my wife 's social security numbers and likely our bank account numbers and other information collected on a mortgage application. This is completely unacceptable and we now feel at great risk of identity theft now and into the future. One year of free identity theft monitoring service will not suffice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: IL

Complaint narrative:
On XX/XX/XXXX Williams and fudge called and left me a voicemail at apprx XXXX am. At XXXX I believe tell called me with the number showing private and then they called again at XXXX. After they didn't hear from me they called a person I know at apprx XXXX asking for me. They were told that is not my number and was asked then they have my number. The rep said yes I called a couple times and left a voicemail but she is not calling me back. The person they called said you are violating her privacy especially if you knowingly have her number. I email the office to complain. They admitted the rep called but no privacy was violated. they said they listen to the call and would I like a copy but I am unsure why they would call someone else if they had my correct phone number of 13 years which is published.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
. I've been dealing with a problem with Citibank, three credit cards. They closed all three without any notice, claiming that there has been no payment received since XXXX of XXXX. I found out today that they citi card have been trying to pull payments out of an account that Isn't ours, some Account ending in XXXX. Also they supposedly received a call from someone on XX/XX/XXXX claiming to be XXXX who changed the account number for automatic payment. I spoke with someone named XXXX in their executive office who offered to remove the return payment fees totaling just over XXXX. But not the interest fees. I told her it's not acceptable since it's their error, She just said too bad take it or leave it. All I want is to pay them what I owe minus the interest and 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 explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are incorrect names and addresses being reported on my credit. This is illegal and unfair to me because these could be other consumers names and information.

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 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are incorrect names and addresses being reported on my credit. This is illegal and unfair to me because these could be other consumers names and information.

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 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft! This have drove me into XXXX, and XXXX  state of mind! It is unfair to my family and love ones that this have impacted my life. Im asking for all inaccuracies removed immediately as it is unfair to me and by law ILLEGAL!

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 2022-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC
State: NY

Complaint narrative:
NATIONAL RECOVERY AGENCY XXXX XXXX XXXX XXXX XXXX XXXX be playing different unlawful tactics to collect DEBT THAT DID NOT OWNED or BELONGS TO ME ; since XX/XX/2019, they've sent me different collection letters each time l demanded debt verification, NATIONAL RECOVERY AGENCY XXXX XXXX XXXX XXXX XXXX XXXX choose not to reply to my demands " PROOF OF DEBT OWNED '' instead NATIONAL RECOVERY AGENCY XXXX XXXX XXXX XXXX XXXX XXXX will placed the said collection on my credit profiles with XXXX, XXXX and XXXX each time with different company names, which time NATIONAL RECOVERY AGENCY XXXX XXXX XXXX XXXX XXXX XXXX did not get favorable answer from credit bureau, NATIONAL RECOVERY AGENCY XXXX XXXX XXXX XXXX XXXX XXXX will use different collection agency to placed the said debt unto my credit profiles with XXXX, XXXX and XXXX. ( see attached for several letters l wrote via certified mail )

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