vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: FL

Complaint narrative:
Two months ago my personal checking account was overdrawn. In researching it I found out that XXXX XXXX over charged my mortgage payment by {$600.00} its causing such. I called XXXX XXXX XXXX to find out how it happened and advise them not to allow it again. Next month it happened again. Overdrawing my account. XXXX XXXX outsources the mortgage payment process to PHH. I tried to set up bill pay through XXXX XXXX XXXX for last months bill. XXXX XXXX XXXX rather than paying PHH mailed a certified check to my home. PHH collections are making calls to me and Im trying to make the correct payment. The reason for the additional XXXX is that my insurance did laps. Which I resolved immediately. My insurance agent sent proof. They also claim that I did not pay property tax. I called XXXX XXXX XXXX tax appraiser who advised me that the taxes were paid and sent me proof by mail of a receipt.No one at PHH or XXXX XXXX will give me an email to send in the proof of tax payment. The last two times Ive spoken with PHH, I was promised that they would call me back the next day with resolution. It never happened. Today, I was left on hold for 10 minutes and then hung up on. 
Any assistance and or guidance will be gratefully appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Consultants, Inc.
State: AZ

Complaint narrative:
Hello, My name is XXXX XXXX and I am receiving phone calls from multiple credit recovery agencies for some other persons debt. I changed my phone number to a new phone number over a month ago and now I am receiving calls regarding this persons debt. I have no debt what so ever. The most recent organization to contact me was from : Date : X/X/2018 @ XXXX XXXX XXXX XXXX XXXX Professional Recovery Consultants XXXX XXXX XXXX XXXX . XXXX XXXX, NC XXXX PH : XXXX I have registered my phone number on the DO NOT CALL list, on X/X/2018. I am receiving multiple calls from different creditors at all hours of the day, multiple times per week.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I have an account on all my credit reports that it is paid and closed but 30 days late. I have been in contact with the company, Santander Consumer USA and they are stating that they can not remove the 30 days late. I do not understand how I am late in XXXX of 2014, when I got a new car on XXXX XXXX, 2014. I do not understand how I was late, when in the month they are stating I was 30 days late, I got a new car. If you look at my history that was my only " late payment ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: Credit Plus Inc
State: PA

Complaint narrative:
XXXX XXXX 2016 they submitted a hard credit inquiry against my credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Hello, I was doing my year end bank statements and noticed that paypal pulled out {$300.00} from my checking account in an unauthorized transaction. I contacted Paypal, and they refused to do anything about it and reimburse my money

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Hello, I bought furniture last year from a company thru Wells Fargo credit card. I been trying to pay off what I can every month. However my mother got sick and I cant make the min payment at this point. I been trying to see what can I do.

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 2018-01-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
Per CFPB - The proposed judgment against the XXXX XXXX XXXX XXXX XXXX has been filed with the U.S. District Court for the District of Delaware, and it is effective only if approved by the presiding judge. The consent order is effective immediately. 

Under the Dodd-Frank Act, the Bureau has the authority to take action against institutions or individuals engaging in unfair, deceptive, or abusive acts or practices or that otherwise violate federal consumer financial laws. Under the terms of the proposed final judgment and consent order, the Bureau is requiring the companies to : Stop filing collections lawsuits on debt that can no longer legally be sued over : Statutes of limitation limit the amount of time an individual or company can go after someone in court for a debt that is allegedly owed. Under the terms of the proposed final judgment and the consent order, the companies are prohibited from tying consumers up in litigation after the expiration of the applicable statute of limitations. 
Stop attempting to collect, reporting negative credit information, and suing consumers for debt without proper documentation : Under the terms of the proposed final judgment and the consent order, the companies are prohibited not only from suing without documentation, but also from collecting and reporting negative credit information without documentation. 

XXXX XXXX XXXX XXXX XXXX continues to pursue and collect debt by filing a civil lawsuit with the Superior court of the state of Arizona - Through the Gurstel Law Firm PC - XXXX XXXX XXXX XXXX XXXX, AZ XXXX. 

Per court documents, all collection attempts should ceases until a 100 % audit of all cases are completed. 

I am currently continue to be served papers for court proceedings for case No. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
The creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX collecting for Bank of America. They are reporting negatively on my credit report and I have sent them several validation of debt request letters requesting them to furnish signed documentation as a validation of the debt and they have not done so.

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 2018-01-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX XXXX, 2018, I checked my credit score and found that XXXX had lowered my score by 26 points due to an unknown inquiry and/or known inquiries on my account. I called XXXX to complain and received no satisfactory resolution to my complaint. I am a veteran XXXX XXXX XXXX and occasionally receive calls from lenders wanting to extend credit to my company. Since I am the owner, they generally want to check my personal credit history. This should not be a reason to lower my credit score. I employ approximately 50 people, many XXXX veterans, like myself. I feel that I am being unfairly treated and hindered in my ability to conduct business in the ordinary course as a result of this lowering of my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have three credit card with Bank of America..I lost my job in XXXX 2016 and I had a XXXX XXXX XXXX XXXX which I stop working on. I work in a XXXX is not a steady pay. I called the bank several time to see if they can Work with me and they said that I do n't make enough to even cover their minimum payment. The interest is to high for me to catch up with the payments as of right now. I 'm so up set because of this situation is killing my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX- {$630.00} XXXX- {$340.00} BOTH of these are old debts that are trying to be pulled as new debts, that have been resolved. Plus I do n't even know how you would EVER EVEN get a cell phone bill as high as {$630.00}, that is what I can not also understand. 
Thank you for your time and consideration.

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 2018-01-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I have a Line of Credit with Navy Federal Credit Union. Recently Navy Federal turned my account over to a Law Firm/ collection agency for none payment. I have several receipts showing consistently on Time payments. I contacted Navy Federal several times and they stated my account are still with them. I 'm receiving mail and phone calls from a law firm trying to collect money on the behalf of Navy Federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
On XX/XX/XXXX/2016 was the last activity with original creditor. My vehicle was turned in and set to be auction off. I had the car for almost 2yrs paying XXXX. When I was injured at work and was off with lil income coming in I fell behind. They came and got the vehicle and told me they was auctioning it off to be sold. I have asked for documentations on what was the balance before it was turned in, what was it sold for and has received nothing but calls and letters from Ally and a law firm protaining this matter

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 2018-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
This is a new complaint following the first complaint ( # XXXX ), They did not provide the fact that I had many calls between them and myself while I was hospitalized fromXX/XX/XXXX- XX/XX/XXXX due to a major car accident, or that I had made " good faith payment '' on XX/XX/XXXX on both accounts which would stop the the collections calls, but how can collections called be stopped but a cancellation continue for late payment? The small micro amounts are the payments AE asked me to make to avoid further calls or actions- Also the enclosure submitted to you as a response to CFPB seems to contradict their statements in the letter addressed to myself, which I still have not recieved as of this date. 
None of the numbers, that were indicated in the Company 's response match up with the document provided in the response, - balances are not matching up and not documentations for the various payments and why requested by AE, its seems like like it was recently manufactured, since I have yet to received the response that was given to CFPB, even my company name is misspelled ( XXXX XXXX XXXX ) when it should be XXXX XXXX XXXX, I just feel looking at the documentation submitted by AE need to reviewed by an Independent Audit ; I also feel I was penalized for reporting this complaint and that this is not the first questionable practice by AE- they previous was order to provide restitution to it customers ( I believe it was in XXXX, which they were sued and lost about 80 millions ). I also feel they should not combine my Personal Green card with my Business Card availability since my Personal is under my SSN, and my Business is under my TIN which is also a LLC ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) .I never authorize a " personal guarantee '' was informed that I was personally responsible for my LLC finances, nor is it any listed that I am in my CMA or terms and agreement. I believe this is another questionable tactic which enables AE to make someone " personally responsible '' with in the Company which circumvents the XXXX XXXX Laws. They also indicated that they adjusted my spending due to my FICO score in XX/XX/XXXX, when it was its highest at XXXX or XXXX I believe- so again it does not make sense what they submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
There was a fraudulent transaction to my personal checking account on XX/XX/XXXX.  Somehow, there was {$1500.00} taken out of my checking account from a bank teller in XXXX, Arizona. I live across the country in XXXX, NY and have proof that I was at work the day of the fraudulent transaction. I checked my bank info online on XX/XX/XXXX and immediately submitted a claim when their department was open that following Monday.. I have now filed a claim with Bank of America that has been denied, sent a re-claim with documentation attached. Still have not heard back or what type of direction the investigation has taken after no less than 7 calls to their department. No answer on while they denied my claim or answers on how they have investigated  claim. This should be an easy investigation by looking at the bank cameras at the time, date and location and noticing it was not me taking out the {$1500.00}.

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 2018-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( 2 times ) The phone number is XXXX and XXXX The company is identified as Diversified Consultants Incorporated. They are claiming to have an outstanding XXXX bill for me and is requesting that I give them the last four digits of my social security number and my current address in order to receive any of the actual details regarding the past due bill. I have told them over and over again I have a current bill with XXXX and do not have a bill in collections and if I do to please send all the information in writing. They are refusing unless I provide them with personally identifiable information. I called XXXX to clear the matter and they assured me I do not owe the bill. I called back to the collection agency to try to clear the matter and the person answering the phone refused to acknowledge that any one had called me from the company. I told her this was the number showing on caller ID. I told her I has spoken to a young man who identified himself as XXXX XXXX. She would not say whether anyone by that name worked at the place of business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
before the XX/XX/XXXXdue date as well as the second payment was sent before the XX/XX/XXXX deadline. On XX/XX/XXXX XXXX XXXX XXXX XXXX filed a mortgage foreclosure on XXXX XXXX XXXX 
Ocwen portryed they could assit me. Instead left me homeless and short on funds. 
Ocwen also retained Insurance proceeds which were due me for 4 years. They had just released the funds XX/XX/XXXX. 

Ocwen purchased XXXX XXXX back in XX/XX/XXXX. However XXXX XXXX XXXX initiated and completed foreclosure on XX/XX/XXXX. They also received a default judgement on XX/XX/XXXX. ( At his time I was in a XXXX XXXX XXXX and eventually XXXX XXXX XXXX XXXX XXXX ). 

Ocwen Loan Servicing has also been repoting incorrect information to the credit beaureaus since XX/XX/XXXX until present. A I have never understood how Ocwen Loan Servicing could purchase my previous lender XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. was able to foreclose. This does not seem fraudlent to me. I am very interested in getting my home back to my ownership if at prayerfully possible. 

I have attached paperwork and cases

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: NY

Complaint narrative:
Equifax is allowing XXXX to report falsely..I have disputed numerous times with them. I have two XXXX accounts which were sold to another collection company called XXXX. The balance should be {$0.00} on both accounts. I have the paper trail of every dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: TX

Complaint narrative:
I have disputed this now for the fifth and FINAL time. I have an attorney on retainer and ready to sue Experian for furnishing my credit information to someone in Oklahoma. I have signed and notarized avadavits from over 40 people stating that I have never lived in Oklahoma. I understand that Experian is racist.

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 2018-01-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
Per CFPB - The proposed judgment against the XXXX XXXX XXXX XXXX XXXX has been filed with the U.S. District Court for the District of Delaware, and it is effective only if approved by the presiding judge. The consent order is effective immediately. 

Under the Dodd-Frank Act, the Bureau has the authority to take action against institutions or individuals engaging in unfair, deceptive, or abusive acts or practices or that otherwise violate federal consumer financial laws. Under the terms of the proposed final judgment and consent order, the Bureau is requiring the companies to : Stop filing collections lawsuits on debt that can no longer legally be sued over : Statutes of limitation limit the amount of time an individual or company can go after someone in court for a debt that is allegedly owed. Under the terms of the proposed final judgment and the consent order, the companies are prohibited from tying consumers up in litigation after the expiration of the applicable statute of limitations. 
Stop attempting to collect, reporting negative credit information, and suing consumers for debt without proper documentation : Under the terms of the proposed final judgment and the consent order, the companies are prohibited not only from suing without documentation, but also from collecting and reporting negative credit information without documentation. 

XXXX XXXX XXXX XXXX XXXX continues to pursue and collect debt by filing a civil lawsuit with the Superior court of the state of Arizona - Through the XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, AZ XXXX. 

Per court documents, all collection attempts should ceases until a 100 % audit of all cases are completed. 

I am currently continue to be served papers for court proceedings for case No. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Southwest Credit Systems keeps reporting inaccurate information on my credit! Please take off or I will sue!

Company response to consumer: Closed with explanation