vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
Please answer the following questions. 1st, did Ocwen attorney provide a Deed of Trust agreement with XXXX XXXX XXXX, a modification agreement between XXXX XXXX XXXX, an assignment of Deed of Trust to XXXX XXXX XXXX and a full reconveyance by XXXX on behalf of XXXX XXXX XXXX with the response letter? Yes or No! 2nd, since Ocwen is a member of XXXX, where does it state within XXXX rules of membership that investors give XXXX  full authority to sell or transfer an asset without the current investors knowledge or approval? Please provide documentation! 

On XX/XX/XXXX, we sent Ocwen Loan Servicing a certified letter # XXXX requesting information for our home mortgage. Ocwen forward this letter to there attorney, XXXX XXXX from XXXX XXXX law firm here in XXXX XXXX Nevada. Ocwen/the attorney provided a letter with the following documents, the Deed of Trust with XXXX XXXX XXXX dated XX/XX/XXXX, a modification agreement with XXXX XXXX XXXX dated XX/XX/XXXX, an assignment of Deed of trust from XXXX XXXX to XXXX XXXX XXXX and a substitution of trustee, full reconveyance from XXXX XXXX XXXX on behalf of XXXX XXXX DBA XXXX XXXX XXXX, instrument # XXXX. Now, in the letter, I asked Ocwen two questions, the attorney responded to question 1 but failed to answer question 2, why? I asked Ocwen on question 2, where does it state within XXXX rules of membership that investors give XXXX full authority to sell or transfer an asset without the current investors knowledge or approval? Now, we request the following questions to be answered by Ocwen. Ocwen must provide the answers to our questions to their attorney so they can respond. 
Documentation is provided within the documents section. Note : Federal and State agencies can request a printed version of XXXX rules of membership from us or go to XXXX website at XXXX of membership to view XXXX investor requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I closed a checking account on suntrust bank. due to an auto pay the bank open my account once again and the auto pay was trying to withdraw. so since I didn't have any money. the bank was charging me {$35.00}. each time that they were trying to withdraw. so I went to the bank to see was happening they told me that they open the account again for the same reason. so they charged me a total of {$550.00}. I didn't wan na pay them and they sent me to collection.

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 2018-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Citibank has entered into a program of denying credit to gun manufacturers. I believe that this undermines the Second Amendment and is contrary to a free and open society. It is particularly disgusting because Citibank received bailout assistance from the very government that it is trying to undermine. 
I request that the CFPB conduct a complete investigation into the lending practices of Citibank, particularly in relation to loans to gun manufacturers. 
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 explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Continental Services Group, Inc. d/b/a ConServe
State: PA

Complaint narrative:
Conserve debt collection agency set me up on a payment plan to get my student loans out of default. I had to make 11 consecutive payments, then my account would be sent to a company and would be in good standing again. 

I gave Conserve authorization to do automatic debts from my checking account. They took it out twice a month on my pay days. On the last month they didnt take my payment. I contacted them and they stated I called and told them not to contact me anymore. That was a complete and utter lie! I was then told I had to start all over again and make eleven more payments to get out of default. 

I contacted the Department of Education and filed a complaint. I was told I would receive a response in the mail. I never received the response and was told they denied my claim. 

The fact that they must get paid for the money they bring into the Department of Education, is the reason they didnt accept my last payment. I want to be able to pay my loans off, but dont feel safe paying Conserve. I asked for another company to work with and was denied. Now my teacher salary is being garnished and Im being told I have to pay Conserve as well the garnishment from The Department of Education. I cant live like this and need assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This complaint is in regards to a closed complaint ( XXXX ). The previous complaint is not resolved, Bank of America is supporting fraudulent businesses and putting financial burden on small business. 

While the above mentioned complaint was being investigated, I stopped using my Credit Card. On XX/XX/2018, one merchant who originally charged my account gave me a credit of - {$490.00} while charging {$380.00}. The rep who was working on my original case agreed that these are fraudulent charges and my card has been compromised. To note, after the first fraudulent charges were reported Bank of America replaced my card with a new one that has a new account number. The rep suggested my to call fraud prevention to report these activities. I called the number on the back of my card and reported the transactions in question, the fraud prevention rep was not clear but said these charges were either made by the merchant or bank transferred those charges from old card to new card. I do not have a clear answer on this yet, it has been over 8 days and the charges are still in my account. 
So the questions are, while bank of america replaced old card with new one then how merchant got access to the new card to post those charges? Why bank is transferring charges from old card from new card TWICE? 

Bank of America is not being honest and putting burden on small business.

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 2018-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
Credence Resource Manage claims I owe them {$1200.00}??? 
This was all settled a while back. The company customer service had spoke to me there was a settlement and some point and for some reason they never updated anything. I have tried contacting them to resolve this matter and It has gone no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 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: LA

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 customer contract. The other two major companies has deleted these account off my credit reports. Under the FCRA, unverified accounts must be remove.

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 2018-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AC AutoPay LLC, Denver, CO Branch
State: VA

Complaint narrative:
The car that was allegedly leased was repossessed with the original creditor and was not resold. According to Virginia state law once the vehicle has been repossessed, the original creditor may decide to either keep it as compensation for your debt or resell it in a public or private sale. The original creditor decided to keep the car as compensation and therefore I no longer owe the original creditor for the lease of this vehicle. If this car was resold proper notices were not given. Under the laws of the State of Virginia UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. State law also requires that the creditor tell you the time and place of the sale so that you can attend and participate in the bidding or If the vehicle will be sold privately, you have a right to know the date of the sale. None of these things have been done or provided by this collection agency to properly validate that this debt is owed. 
I want to be provided the following : A proper validation with the signed contract with the original creditor A copy of purchase agreement between the original creditor and AC Auto Pay. With the original creditor giving all rights to this debt including the right to receive  payment and charge interest to AC Auto Pay. 
If there have been any other changes or adjustments since the last billing statement from the original creditor, for them to please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are authorized by the agreement creating the debt and permitted by law in my state. 
Do they have a debt collection license from my state? provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 
Provide proof that all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
If the leased vehicle was sold provide proof with a copy of the required State law notice sent of the amount, time, and place of the sale and If the vehicle was sold privately, provide the proper notice with the amount and date of the sale.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-30 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: NJ

Complaint narrative:
Portfolio Recovery claims I owe them {$560.00}. I do not owe them this money as any money owed was paid years back. The costumer service of the company said they would fix this problem and that it will no longer show up on my credit file. It still does which Is a huge problem since I do not owe them said amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Weinberg Mediation Group LLC
State: PA

Complaint narrative:
I received a automated call from Weinberg remediation group on XX/XX/2018 around XXXX. The automated message said I had to call them before my debt they have goes to legal status. 

I called them back and a man answered who continue to tell me that I signed a contract with a credit card company that has a default clause that will kick in if I dont pay them. This default clause allows them to charge me for 4 times he rate of the original debt. I asked if they would be willing to verified the debt. He then very angrily said hes not playing around with and will just report this to their attorneys to take legal action. 

I called back and got the same guy again and asked him to confirm their address to me. My plan was to send them a letter to force them to verify the info. The man then kept avoiding giving me the address, or verifying the one I found online. He then told me I was smart for someone is who in default and that they will be taking legal action. 

After talking to a lawyer, its my understanding its against the law for then to one not identify as a collection agency and to also threaten to sue me. 

After a quick XXXX search it seems this company has been sued multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 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: PA

Complaint narrative:
National Credit Systems has been attempting to collect a debt that belongs to my deceased father. I was my father 's caregiver and in XX/XX/XXXX he leased an apartment at XXXX XXXX. I had no financial liability to the lease or its expenses. However, the complex stated they needed the Social Security number of every adult over the age of XXXX residing in the apartment. Their lease had a clause that stated in the event of a death he would not be liable for the rest of the lease. My father passed away XX/XX/XXXX and I immediately vacated the premises on the weekend when the office was closed. I provided a letter and proof showing my father passed away, pictures of how the apartment was left, the keys, the forwarding address to be notified of the receipt and left in the drop box as I moved out of state. About a month later I received a bill stating I was responsible for the debt as if my father was my spouse. I contacted the management company located in XXXX and advised I was not his spouse and it was not a joint account I was only a resident on the lease. They refused to acknowledge that and reported to my credit and sent to National Credit Systems as if it was a joint account. I notified them this was not my debt and disputed with them and the Credit Bureaus several times. They continue to pursue me for my deceased father 's debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: NC

Complaint narrative:
Today, XX/XX/XXXX, I had contacted Procollect to pay off a debt of XXXX from an apartment back in XXXX. I was never notified of this debt via Procollect but decided to pay anyhow since their debt is preventing me from another lease. I had originally asked for a Pay to delete and was told that they are unable to perform that but would send me a payoff letter via email. I strongly advised that they pay to delete this debt but they continued to explain that this was not possible. After awhile of arguing I decided to pay anyhow and would contact a financial advisor later - the financial advisor told me that that Procollect could definitely do a pay to delete but that they refused. Why was I lied to? I have called back since and spoke to a very rude gentleman asking again if they would kindly delete the mark off of my credit so I could get a new lease since I had paid in full but he was extremely unpleasant and continued to tell me that they could not do that. Come to find out, they can definitely do this but just did not want to. I need this deleted in order to have a roof over my head and feel that I paid them for absolutely nothing. I have no idea what to do and wish they would have at least been honest. I need this shown deleted, not just paid in full. I am trying to do the right thing and repair my credit but this is one place I wish I would not have paid since I have nothing to show for it. 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 2018-04-30 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: CA

Complaint narrative:
XXXX has incorrectly added a derogatory item to my credit file for a large overdue bill in someone else 's name. They have this person listed as my " alias '' on my credit file. We do share the same first name but that is all. 

I do NOT have a XXXX account The past due amount reported on the credit file is {$3700.00}. 

This item was first added in XX/XX/XXXX and reported in XX/XX/XXXX. 

Approximately 1.5 - 2 years ago, XXXX started mailing billing statements to me, addressed to this person, at my address. I marked the envelop with " return to sender ''. When that didn't work I called and spoke to a customer service representative. I thought that resolved the problem but it did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 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:
TransUnion credit buearu refuses to delete any hard credit inquiries I have disputed that are listed on my credit report

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 2018-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I WOULD LIKE TO KNOW EXPERIAN KEEPS VERYING AN ITEM THAT IS CLEARLY REPORTING INCORRECT INFORMATION THIS BALANCE IS INCORRECT YET EXPERIAN IS ALLOWING THESE ITEMS TO CONTINUE TO REPORT THIS DEROGATORY INFORMATION ONTO MY CREDIT FILE WHICH IS A CLEAR VIOLATION OF THE FCRA. I HAVE REQUESTED THE DOCUMENTATION WHICH THEY HAVE USED TO VERIFY THIS ITEM YET THEY HAVE IGNORED MY RIGHTS TO REQUEST THAT INFORMATION, ANOTHER VIOLATION OF THE FCRA. NOW EXPERIAN HAS TOLD ME THAT THEY REFUSE TO REINVESTIGATE THIS ITEM HOWEVER EXPERIAN HAS FAILED TO PROVIDE ME WITH THE INFORMATION I HAVE REQUESTED WHICH I HAVE THE RIGHT TO DO ACCORDING TO THE FCRA. 
THESE ARE INCORRECT AND HAVE YET TO BE VERIFIED ACCORDING TO THE LAWS SET FORTH IN THE FCRA. 
XXXX 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 explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX is attempting to collect a debt on behalf of XXXX. However, this is a bill that should have been submitted to my Medical Insurance Company. As a preferred in network provider this XXXX XXXX  should have been covered as all routine XXXX XXXX is covered by my insurance. I was not notified that I had a potential outstanding invoice being sent to a collection agency.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I was recently made aware that a lien was not removed from XX/XX/XXXX by XXXX XXXX XXXX. We did a refi with XXXX in XX/XX/XXXX and did another refi with XXXX XXXX XXXX in XX/XX/XXXX. We never received a HUD 1 or Settlement statement from XXXX XXXX XXXX. We will not be able to have the lien removed until we have proof XXXX XXXX   paid XXXX XXXX XXXX. I spoke with a representative from the lien release department of XXXX XXXX and they told me that they don't have a copy of either of the documents we need to prove that they paid XXXX. He suggested I contact the title agency for documentation, which I did, but they are telling me that any documentation would have been destroyed from XX/XX/XXXX. We have since paid off our mortgage with XXXX/XXXX  XXXX in XX/XX/XXXX and although we own our home we aren't able to use the equity in it or sell it unless we can get the lien released. XXXX XXXX XXXX has been out of business since XX/XX/XXXX and I am not sure who has the documentation, but I think it is between XXXX, XXXX or XXXX. XXXX lien release department said they have no record of doing business with me. XXXX will not give any information until I can show proof XXXX XXXX paid XXXX and XXXX has not responded to my request for information. I am under the impression that XXXX XXXX is obligated to provide a Settlement statement to us at the time the loan was secured. I am asking that XXXX XXXX provide us with proof they paid XXXX XXXX XXXX so that I can pursue having the lien removed.

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 2018-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have a company coming after me for payment of debt collection but the debt has been paid and settled. I asked them to please stop contacting me and to remove all negative remarks and they won't.,

Company response to consumer: Closed with explanation