vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
In XX/XX/XXXX I applied for a home modification on my existing house through Ocwen. We were approved for the loan modification and the terms were as follows. For three months we had to make a payment of XXXX, and then the modification would be complete. I sent all the paper work including check stubs for my husband and my self. On XX/XX/XXXX the first payment of XXXX was paid. On XX/XX/XXXX the second payment was paid. On XX/XX/XXXX the third payment was paid. In XX/XX/XXXX the loan modification was denied in the form of the letter. We received no correspondence or phone call to let us know. I called Ocwen and asked why we were denied. They said that we had put a wrong date on the agreement form. I explained that we sent in the correct form sighed and sent them an email of the date it was sent. They said that the date on the paper not the email was wrong. They refunded the XXXX payment and did not inform me that the XXXX was sent back until after I had called in XXXX. I appealed the denial decision in XXXX with the escalation department so that I could pay my payments and keep my house. Ocwen denied the appeal. In XX/XX/XXXX I applied for the lone modification again, sent in all the paper work with correct dates and signatures. Ocwen waited until the beginning of XX/XX/XXXX and when I checked the website, ocwen needed more information about our pay. I was in the process of getting the information needed and then I was told that it had been denied by Ocwen. Ocwen told me that I had to reapply so on XX/XX/XXXX I reapplied. Ocwen said it would take around 5 to 7  days to review my modification application. I called Ocwen on the XXXX, XXXX, and Ocwen said it was still in processing. I called back on XX/XX/XXXX to ask about the modification progress only to be told by Ocwen that the foreclosure had been completed on XX/XX/XXXX. I called again on the XXXX and XXXX to see if I could save my house and got the same answer from Ocwen that the foreclosure was completed on XX/XX/XXXX. I was transferred to XXXX. which is Ocwen 's realtor and they could not tell me anything, they told me I needed to email XXXX to find out about my house. I emailed XXXX and asked if they could help me save my house but XXXX informed me that they no longer had my house. They said it had been sold to the XXXX XXXX XXXX XXXX. I tried calling them to find out who had my house and no one seems to know. I called the HUD housing and they can not see who has my mortgage. Today is XXXX and I still do not know who has the mortgage. Myself and my XXXX children are still living in the house and have no other place to go. I wanted to get in touch with whoever had my house to see if I could make arrangements to get it back. Please help me! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rocky Mountain Recovery Group
State: NV

Complaint narrative:
Phone calls not even sure what this debt is, keeps calling former spouse.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
I cosigned a student loan thru Citizens bank for my daughter XXXX XXXX and 2 years ago she defaulted on the loan and it was sent to XXXX XXXX XXXX. My daughter has been paying to the debt collection agency but missed a payment inXX/XX/XXXXand she called XXXX on XX/XX/XXXX because she hadn't gotten a check from her work. Subsequently she called and left a message that they could resume debiting her account for the missed payment. I don't know what happened after that but I was told by Citizens that she missed the payment in XXXX and XXXX was not paid. On XX/XX/XXXX I went to check my checking account which is thru Citizens and XXXX had been taken out of my checking and XXXX? out of my savings on XX/XX/XXXX to settle one of the owed amounts. I called the bank thinking I had been hacked and that is when i found out about a closed account from XX/XX/XXXXand was given the number of the account and was told to go to the branch. I went and that is when I found out what it was about and that all of my money was gone. I never received a phone call or a letter about the missed payments. I am currently paying 3 of my daughter 's loans thru XXXX and have never missed a payment. My daughter has her own bank account but not thru Citizens and she had {$6000.00} in her savings but instead of going after her they decided without any communication to garnish my checking and savings. I am currently unemployed as my entire department was eliminated in XXXX and this presents as a financial burden for me. Subsequently, I received a letter ( attached ) dated XX/XX/XXXX on XX/XX/XXXX of her still outstanding balance on her other loan that XXXX has seen sent to a law agency. On the letter it distinctly says that " we have not been retained to file a law suit ''. They never sent a letter concerning the XXXX? and per Section 809 of the Fair Debt Collections Practice Act, the agency must give me 30 days written notice after which they can file a lawsuit and only after winning a judgement can they garnish my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
This company has been sending me noticed that I have no knowledge I have no knowledge of this debt agreement with them. 
It is illegal to collect on an erroneous debt that I have no knowledge of. I didn't have contract agreement with them. I want them to stop harassing me with sending me erroneous debt letters. They have reported it to the credit bureaus and I don't know them.

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 2018-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery is calling me non stop every day. Ive sent two siest and desists orders to them asking them to stop because I work 3rd and sleep in the day. Below are the number of calls this week. They have been calling me harassing me for months now. Even with two siest and desists notifications as well. 

XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX  ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX   XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX  ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX  ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX   XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I applied for an XXXX Credit Card, it was delayed, wanted verification of whom I am asked me to call their REP. I did no questions were asked of me just left on hold for a while then call concluded. next I received a letter from XXXX XXXX Creditor their letter said regretfully I was denied Credit based on the information they received from various databases and their Customer Service Agents questions, I received no questions from their Customer Service Agent. The his is Discriminatory, XXXX and Illegal. 
I know whom I am my ID can be verified CA DMV with fingerprint, the Social Security Office XXXX XXXX, XXXX XXXX etc. I am sure my DNA is available to be checked. 
This is Discriminatory on the highest level.

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 2018-01-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: GA

Complaint narrative:
This debt was removed do to failure to send me verification. This agency has now put this debt back on my credit report without sending me any notification or verifying documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2017 I went to XXXX XXXX, with a pre-approved letter from XXXX XXXX XXXX XXXX. The finance manager, took my letter and application which he made clear he would not run my credit by with XXXX XXXX and XXXX XXXX ONLY. 

It was not until 4 weeks later, I find out thru XXXX XXXX that in fact he ran my credit thru 6 companies, XXXX XXXX ( XXXX XXXX XXXX XXXX   XXXX ), apologized for this beahvior and the best I know 4 inquiries were removed, but Wells Fargo, which has sent my 2 letters saying the inquiries were removed, still have not been removed and XXXX XXXX should also be removed. I have letters attached. 
Please help me get these 2 inquiries removed from XXXX and any other credit companies they may appear with.

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 2018-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance Collection Agencies, Inc.
State: WI

Complaint narrative:
This is not my medical bill, this is my ex wife and which she is not even on my insurance. This needs to be removed off of my credit credit file and collections need to stop. How can I be responsible for someone else debt. Please help I have disputed this also.

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 2018-01-29 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: NV

Complaint narrative:
On XX/XX/ I received a fax from XXXX XXXX   showing my account was closed and paid in full with a XXXX   balance. I'm in the process of purchasing a new home for my family and the lender told me i had a recent late payment from XX/XX/ from XXXX XXXX. When i contacted them about the problem they told me i had some sort of late fees which was never brought to my attention at the time that i paid the account off in full. Then i pay the so called late fee which was in the amount of {$27.00} in which they credited back to me but refused to remove the late payment in XXXX which cant be correct because the account was closed and paid in full.

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 2018-01-29 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: NV

Complaint narrative:
On XX/XX/ I received a fax from XXXX XXXX   showing my account was closed and paid in full with a XXXX   balance. I'm in the process of purchasing a new home for my family and the lender told me i had a recent late payment from XX/XX/ from XXXX XXXX. When i contacted them about the problem they told me i had some sort of late fees which was never brought to my attention at the time that i paid the account off in full. Then i pay the so called late fee which was in the amount of {$27.00} in which they credited back to me but refused to remove the late payment in XXXX which cant be correct because the account was closed and paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-29 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: NV

Complaint narrative:
On XX/XX/ I received a fax from XXXX XXXX   showing my account was closed and paid in full with a XXXX   balance. I'm in the process of purchasing a new home for my family and the lender told me i had a recent late payment from XX/XX/ from XXXX XXXX. When i contacted them about the problem they told me i had some sort of late fees which was never brought to my attention at the time that i paid the account off in full. Then i pay the so called late fee which was in the amount of {$27.00} in which they credited back to me but refused to remove the late payment in XXXX which cant be correct because the account was closed and paid in full.

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 2018-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Hexagon Collection Services, LLC
State: CA

Complaint narrative:
hexagon collections in XXXX  CA called me and demanded that I reissue checks made to my former dentist into his name, I have been sending in checks for the last 3 months to XXXX XXXX XXXX  and this was the call that I got today where this gentleman called me a XXXX XXXX and told me this would destroy my credit I have been making payments to this dentist and because he hands the checks over to this guy he calls me an XXXX, that is out of line and also to tell me that this will destroy my credit

Company response to consumer: Untimely response
Consumer complaint received 2018-01-29 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: EQUIFAX, INC.
State: MI

Complaint narrative:
****REMOVE THE CONSUMER STATEMENT AND FRAUD ALERT IMMEDIATELY! **** Is this a coordinated attack from XXXX XXXX, XXXX, XXXX and Equifax or simply the results of a reckless atmosphere within the credit reporting agencies and towards requirements/laws Congress has clearly stipulated. 

XXXX, Equifax and XXXX have blatantly committed fraud by adding a consumer statement and 90 day fraud alert on my credit reports, implying it was done at my request, particularly in light of the fact, I had clearly requested to remove all consumer statement and NOT add any additional consumer statements just 10 days ago. 

Summary of Facts : I have been trying to close on a {$600000.00} mortgage since XX/XX/XXXX ( see attached ; inquiry from XXXX XXXX ) and must close by XX/XX/XXXX, otherwise suffer a large financial lose. They will not close with any consumer statement on my credit report. 

On XX/XX/XXXX, I filed a dispute and clearly requested the removal of all consumer statements and that I did not want any CONSUMER STATEMENTS reported in the near future. See case # XXXX XXXX Here is the exact wording : RE :  XXXX XXXX XXXX Credit Card acct # XXXX x FRAUD! I have no idea what the XXXX is going on. I have a XXXX XXXX Credit Card with a credit limit under {$1000.00}, which I have not used in years. 

*irreversible harm and damages is certain within weeks from today if no action is taken promptly, as the timing of these most recent updates to my credit report could not have come at a worst time. 

*Also ; I DO NOT WANT ANY CONSUMER STATEMENT ADDED TO MY CREDIT REPORT AT THIS TIME AS A CONSUMER STATEMENT WILL ALSO HARM ME. I SIMPLY WANT THE NEGATIVE INFORMATION SYNCB RECENTLY REPORTED REMOVED ( THIS CAN BE A TEMPORARY REMOVAL AS I AM HIGHLY CONFIDENT ANY INVESTIGATION WILL CONFIRM MY CLAIMS AND CONCLUDE FINAL REMOVAL. 

However, I was shocked and bewildered that XXXX, Equifax and XXXX   went ahead and placed a consumer statement along with a 90-day fraud alert onto my credit reports without my knowledge and request. 

I am assuming the credit bureaus will Likely attempt to use my complaint in case # XXXX XXXX as their reason. If that is true, it is further proof XXXX, XXXX and Equifax do NOT properly read and investigate claims of disputes. Nowhere in that dispute did i request or even hint to add a fraud alert or consumer statement. 

WHY? The fraud I disputed on case # XXXX XXXX took place three ( 3 ) years ago. It is clearly written in the dispute. Further I have ID theft protection through XXXX and a membership with XXXX who claims to monitor and safe guard me from ID theft along with a XXXX dollar insurance policy to cover any cost. Therefore I am in no need of a consumer statement or fraud alert. 

PLEASE remove the consumer statement and fraud alert immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: IL

Complaint narrative:
Erc Bought an old debt from XXXX that was past the statue of limitations to collect then reported that it was opened new on XXXX of 2016 this debt is over 7.5 years it was sold to erc which has not verified debt and they are reporting a new open date with different amount owned sent a certified letter to this collection account to verifie debt and it was sent back they will not verifiy the correct date or amount and keep reporting it to credit bureas as an open account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Clark County Collection Service
State: NV

Complaint narrative:
Debt was paid,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX ( XXXX XXXX XXXX XXXX XXXX, TX XXXX and XXXX XXXX XXXX XXXX, TX XXXX ) sent a first letter on XX/XX/2017 stating that a member of our household owed money for a return check and a returned check fee. {$14.00} to XXXX XXXX XXXX and {$25.00} Fee totaling {$39.00}. 

Reference # XXXX This was check # XXXX routing # XXXX with a non-valid checking account number. No one in our household has ever opened an account with XXXX XXXX XXXX. 

We asked XXXX XXXX XXXX to marked this as fraudulent and not to harass us again. They gave us a file claim # XXXX and said they would not contact us again. XXXX has since sent two more letters stating they need our social security number and driver 's license number. And that we still owe {$39.00}. 

This is a SCAM and fraud and we need to protect our credit score/history.

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 2018-01-29 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation