vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
This response is with regard to Complaint # XXXX My name is XXXX XXXX. I had thru XX/XX/2018 to provide a feedback to Compass Banks response. Unfortunately I messed it up and sent a feedback that was completely blank. I am sending this feedback via the attached file. I hope it is accepted and the case remains open. 

My email address is XXXX and I may be reached at ( XXXX ) XXXX. 

I would appreciate an acknowledgement. 

Regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX ordered the Trustee ( XXXX XXXX ) to illegally and tactfully foreclose on my property on XX/XX/2018 and now they refuse to provide information to identify which entities the monies where distributed to with my equity. There are clear fraudulent activities taking place with total lack of transparency and accountability on XXXX 's part. On multiple complaints, I have requested for simple identification of the entities that had beneficial interest and to whom the funds were disbursed to. The responses and answers clearly indicates that XXXXXXXX XXXX XXXXXXXX is hiding critical information and committing FRAUD. 

Their response is as follows.. 

First response : " It's a Conventional loan. '' Second Response : " Please be advised, when there is a foreclosure on a property, there is no HUD information provided. That document is only provided when there is a sale or short-sale of a property. Regarding the names of the entities that funds were disbursed to, since this was after the property was foreclosed upon, you no longer had interest in the property, and XXXX is not required to provide that information to you. '' Third Response : " XXXX  is not required to provide any information to you once the property was foreclosed and you are no longer responsible for the loan. No further information will be provided. '' Important note : The Federal Court filing of Trustee for the Certificate-Holders of XXXX , XXXX, Alternative Loan Trust XXXX, Mortgage Pass-Through Certificates, Series XXXX ; IS NOT the correct Certificate number that was filed with the Federal Court. The true and correct Certificate is XXXX Mortgage Pass-ThroughTrust Series XXXX. If XXXX   continues to refuse to provide the basic recipient information of the funds disbursed, I respectfully request that CFPB opens a Level II investigation on this complaint.

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 2018-09-19 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: KEYCORP
State: OH

Complaint narrative:
On XX/XX/2018 I received a letter from Key Bank regarding my recent application for a Key Bank Home Equity Loan. In the letter is references my XXXX   score dated XX/XX/2018. I never spoke to anyone at Key Bank authorizing them to run a credit score or to refinance my current mortgage with them. They had called my cell phone numerous times prior to the credit pull, but I never returned their call or spoke to anyone. It is illegal for them to pull a credit report without my authorization and now my credit was dinged for an unauthorized pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 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: FL

Complaint narrative:
XX/XX/XXXX-I submitted two letters to XXXX regarding an account that recently showed up on my report in which I am disputing. I have no knowledge of this account and asked that the physically/manually verify this account information. The results of their investigation are simply, " verified '' however, i have asked that multiple items of this debt be verified because it does not belong to me. I have also found that the accounts in question XXXX XXXX, based in Utah and XXXX, with an address in Ohio and Florid may not be licensed to collect in the state of Florida. I am in the process of submitting a complaint to the FTC Department. 


XX/XX/XXXX-I received results of the investigation simply stating the following, " the company that reported the information has certified to XXXX/XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. "  XX/XX/XXXX-I sent a certified/return receipt letter to XXXX formally asking that they provide actual EVIDENCE that I have a legal obligation to pay and ask that they provide detals of the monies they say I owe as well as provide me with a copy of the judgment they received, to identify the original creditor, copy of an agreement, as well as a copy of their license to collect in my state. I received noticed from them XX/XX/XXXX simply providing a list of accounts with balances and no further details of what I had originally requested. 

XX/XX/XXXX-XX/XX/XXXX and 9/18/2018 I have also sent a re investigation request into the accounts that XXXX/XXXX/XXXX claim that they have verified via certified mail. 

XX/XX/XXXX-I sent a letter to the collection agency XXXX XXXX asking that they provide me with the full details of what they claim I owe, license information, original creditor information, payment history, proof they are licensed to collect in my State which I have found they aren't, as well as a cease and desist letter since they have attempted to contact me at my place of work as well as social media platforms on XX/XX/XXXX and XX/XX/XXXX. I provided they with my findings and a copy of the Florida Statute they are in violation of. 

XX/XX/XXXX-XXXX sent notice that the accounts in question had been removed due to unable to verify, however, Equifax is refusing to comply. 

I have been disputing the debt with XXXX since last year and Equifax is the only company refusing to comply and be in line with the other companies that have already deleted this information that could not be verified. In turn they are repeatedly sending me basic information as to how they verified with the third party these debt belonging to be which is a clear violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EOS Holdings, Inc.
State: FL

Complaint narrative:
This company is claiming to be EOS CCA, however EOS CCA states this phone number is not associated with their company. They refuse to tell me what they are calling about until I confirm my address and DOB with them, which I did not feel comfortable doing. Since I take care of most debts via mail, I asked that they stopped calling me. At that point, the calls became more frequent, and at later hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 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: NY

Complaint narrative:
I sent 2 letters disputing what was on my reports. The first response from them only stated that they verified the accounts but they did not show how they verified the accounts. I sent letters to the creditors as well who did not show any information as to how I owe them. The first letter was received on XX/XX/2018 By all 3 bureaus and the second letter was received on XX/XX/XXXX by all 3 Bureaus. The letters were sent through certified mail. The items in dispute are XXXX XXXX for XXXX, XXXX XXXX for XXXX, XXXX XXXX for XXXX, and XXXX Bank for XXXX. It has now been over 60 days since I started to try and get this handled with no results. The Bureaus are not following the laws that state that each account must be 100 % verified to be placed on my reports. They also are not sending the information in which I requested which is my right. The letters will show what I asked for. This is hurting my credit and my ability to do business. The letters I sent to the creditors also did not show any evidence as to how I owe them. So how can the reporting agencies say that they verified the accounts to 100 % accuracy if the creditors can not do that?

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 2018-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I do NOT owe this company or its affiliate a single penny. This company continues to report a negative account on my credit report, an account I do not own. Company stated that they have placed my account on an administrative hold in a cease and desist status. I am not interested in a cease and desist status ; I am interested in having this company delete its erroneous account from my credit file - a request that is proving rather difficult for them to do. 

CFPB, PLEASE BE ADVISED THAT THIS SHOULD NOT BE CONSTRUED AS A DUPLICATED REPORT. The company is engaging in unscrupulous activities. How can a company at will just report negative items on ones credit without first being absolutely certain that the account belongs to the alleged debtor. I have or had no contractual relationship whatsoever with XXXX and/or Southwest Credit Systems, LP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: VA

Complaint narrative:
When I started college there was little options when it came to student loans. Though I did receive a lot of financial aid I still in a lot of hardship. my mother was denied every year for the parent plus loan and I was told my the XXXX XXXX XXXX XXXX XXXX that private loans through XXXX XXXX was my best option for my needs. I was told that they would help me through XXXX XXXX and their Financial Aid office to make my loans manageable and they would only be a little higher than most. One XXXX degree later I am XXXX in student loan debt. XXXX of it is owed to XXXX XXXX. My Financial Aid officer did not even give me an exit meeting and how I was going to handle my repayment. I was left with one single option from XXXX XXXX which was their Graduated Repayment Plan. This plan is only a year of interest only payments. These payments are XXXX a month, this is more than I pay in rent. After the year is over my payments will go back to over 1200+ a month. there are no other options than deferment or the default. there is no help, even though the people are friendly, they give me no options to make sure I can continue my payments. I have 5 loans to XXXX XXXX and I can not combine them. this has put severe financial burden on me. I have gotten a job using my degree and is it no where near enough for my to afford these payments even though I make around 18hr and got this job 5 months after graduating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GMA Investments, LLC
State: KS

Complaint narrative:
On XX/XX/18 @ XXXX pm I called this number back ( XXXX ) due to 2 messages left requesting a return call to discuss a debt. I spoke to a representative XXXX and he would not inform me what agency he represents. I explained he has a wrong number, and should discontinue these calls, I repeated our phone number twice, then he asked me what our number is. I explained again, they have a wrong number and to cease calling. He then raised his voice and spoke manner that was threatening. I stated I would notify a consumer agency to report this, or an attorney. He stated this conversation was over, and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central States Recovery, Inc.
State: KS

Complaint narrative:
On XX/XX/XXXX, I went to the office of XXXX XXXX, questioning why I was not getting a co-pay bill, as well as a statement from my insurance company, from a visit in late XXXX. Come to find out, an office clerk had entered the wrong address, on the evening of my visit. The current clerk supposedly made the correction, and the co-pay of {$26.00} was paid in full using my XXXX. The clerk did not give me a receipt when I asked for one, yet gave me assurances that the bill was paid long before going to collection. 

On XX/XX/XXXX, Central States Recovery of XXXX, KS reported a level 1 debt collection activity to my credit reports causing a severe drop in my FICO score, on behalf of their client, XXXX XXXX of XXXX, KS. I was alerted to this warning in the am of XX/XX/XXXX, by my current credit monitoring service, while at my bank discussing a new truck loan. As a result, I could not proceed with the loan process, due to the severity of the negative credit impact. In other words, I'm stuck. 

After multiple calls to XXXX XXXX on XX/XX/XXXX, I was led to a contact at XXXX of XXXX, where I left a message, which was later returned. In her return call, she in fact agreed with me, that poor data entry and poor follow-up, ie., incompetency, caused all this mess. They have issued a letter to the appropriate credit reporting agency instructing them to remove it immediately, but that it could take up to a week to clear completely. So, as a result, I can't get a new truck, nor a new place to live, which are both " critical '' at this time. I have already stated to both parties, that if there is any trace of this on my reports, and/or, my monthly average FICO score suffers a negative hit, I will sue. They understood, because they realize they screwed up, and I've suffered for it, with no warning to boot. I got no calls from anyone, nor any mail all these months, so I had no idea until this morning, because CSR had the wrong address too. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 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: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/2018 I received a letter from XXXX XXXX regarding my recent application for a XXXX XXXX Home Equity Loan. In the letter is references my Equifax score dated XX/XX/2018. I never spoke to anyone at XXXX XXXX  authorizing them to run a credit score or to refinance my current mortgage with them. They had called my cell phone numerous times prior to the credit pull, but I never returned their call or spoke to anyone. It is illegal for them to pull a credit report without my authorization and now my credit was dinged for an unauthorized pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I have been extremely frustrated at the handling of my account with GM Financial. They are penalizing me for an error they caused. 


Early in 2018 they notified me in writing of a payment posting error that caused a payment to be applied to my account multiple times. This made the subsequent billing statements be incorrect, and have an incorrect amount due on the invoice. 

I received a billing statement, and the balance it stated was due was paid on time. 


In XXXX, I received a letter dated XX/XX/2018 that stated the error from months before led to incorrect billing statements, and it encouraged me to contact them to make sure everything is current and correct. I immediately called GM Financial and spoke with a gal that updated me on my account. We went over the total amount due to make the account current, because apparently it was behind due to their incorrect billing statements. It was almost 3 payments past due, so I was given the date of XX/XX/2018 to bring the account current and was assured that no late fees would be applied, and was assured that no derogatory or late payments would be reported to my credit reports. As of XX/XX/2018, I paid the remaining amount ( 8 days early ) and thought this ordeal was over. 


Well it was not. They are incorrectly reporting me late. They are reporting me 60 days late as of XX/XX/2018 and 30 days late as of XX/XX/2018. Please see attached. 


I have tried to call on numerous occasions and spoke with several different GM Financial reps and they all either do not seem to understand this is their fault, or are unable to explain correctly how this is even remotely fair. I am beyond upset and disappointed that I have to spend this massive amount of man hours trying to clear up my good name and excellent payment history. I am being damaged tremendously and have received several adverse action notices from new creditors due to this GM financial error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Our Home Mortgage transferred from XXXX to OCWEN in XX/XX/XXXX. All payments from transfer to date have been made on time, no late fees have been assessed, and all escrow overages have been refunded when due. All this is clearly documented in the statements and payment history on the OCWEN website. However, in XX/XX/XXXX it was identified when applying for a re-finance or modification that OCWEN had been reporting the account delinquent on random months since XXXX. We contacted OCWEN at that time to request that all erroneous late reporting to the ( 3 ) credit bureaus be reversed and corrected immediately. On XX/XX/XXXX after months without resolution I contacted the Office of the Consumer Ombudsman for OCWEN to request an investigation and review to resolve the erroneous negative credit reporting. Again this request went without resolution and on XX/XX/XXXX we received the last communication from OCWEN with refusal to reverse the reporting. This entire process took 6 months without resolution and I am certain intentionally hoping we would just give up. Interestingly, from the time we contacted OCWEN in XX/XX/XXXX with our complaint until XX/XX/XXXX OCWEN reported no delinquencies to the credit bureau. As the stress of this unimaginable and unresolved issue was causing extreme stress on my husband who is awaiting a XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX ) we were advised by our mortgage broker to sit it out until XX/XX/XXXX and we would have 12 months of on-time payments now that OCWEN was no longer reporting them late. In XX/XX/XXXX we again applied for a re-finance thinking we were finally able to get out from under the OCWEN hostage high interest rate mortgage that had depleted our savings and the credit report again showed random late reporting in XXXX, XXXX and XX/XX/XXXX although no change in our on-time payment history. We are devastated that this can continue to happen and desperately need help to resolve this as we truly believe OCWEN is deliberately doing this to prevent our ability to refinance with another mortgage company by intentional errors to delay the process and any resolution. XXXX search provides thousands of reports from other consumers that have the same or similar complaints with devastating outcomes and loss of their homes and credit standing due to OCWEN errors and abhorrent customer service. Additionally, Class action suits and federal restrictions have been levied against them. We refuse to allow this to go on, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 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:
I sent 2 letters disputing what was on my reports. The first response from them only stated that they verified the accounts but they did not show how they verified the accounts. I sent letters to the creditors as well who did not show any information as to how I owe them. The first letter was received on XX/XX/2018 By all 3 bureaus and the second letter was received on XX/XX/XXXX by all 3 Bureaus. The letters were sent through certified mail. The items in dispute are XXXX XXXX for XXXX, XXXX XXXX for XXXX, XXXX XXXX for XXXX, and XXXX XXXX  for XXXX. It has now been over 60 days since I started to try and get this handled with no results. The Bureaus are not following the laws that state that each account must be 100 % verified to be placed on my reports. They also are not sending the information in which I requested which is my right. The letters will show what I asked for. This is hurting my credit and my ability to do business. The letters I sent to the creditors also did not show any evidence as to how I owe them. So how can the reporting agencies say that they verified the accounts to 100 % accuracy if the creditors can not do that?

Company response to consumer: Closed with explanation