vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: HI

Complaint narrative:
My complaint is with PHH MORTGAGE. I have been trying to get a modification completed with this company for 3 1/2 months!!! XXXX mid XXXX XXXX They have done nothing but delay week after week, asking for yet another document or verification. 
The letters they send XXXX from XXXX XXXX XXXX state I can always get a hold of my relationship manager XXXX XXXX, whom I have never ever spoke or heard from. The calls go to another country which is just a call center that PHH MORTGAGE has. If I ask, " ok do you have all the documents now? the answer is yes ... call back Friday. When I call back on Friday I am told oh now we need ... ..another item ... and the weeks keep just rolling by causing undo stress and pressure. 
They continually will ask for ONE document every week such as a Letter of Explanation, a verification of a tenant that is XXXX XXXX and is he the same as XXXX XXXX? They should be put out of business for their tactics. 
**Time is of the essence as my mortgage payment is about to escalate to almost $ XXXX/mth ( currently I am paying almost {$3200.00} ) as of XX/XX/2021. I can not maintain that amount. I am in good standing with my current loan, never been late. I have a full time federal job, another part time job and 3 tenants that contribute rental income. 
There is absolutely no reason for this modification to not be completed. I contacted XXXX  and there are countless complaints against this company for doing exactly what I am going through. Since contacting XXXX  ( which XX/XX/XXXX XXXX  stated they had submitted my complaint to them ) I have not been able to reach a live person with PHH, the calls are transferred to a voicemail of someone called XXXX who will call back within 24 hours ... and NEVER has. 
The last request was for a " financial statement '' which was already included in their RMA ( Request for Mortgage Assistance ) the week before. 
I have raised my XXXX children in this home and have poured blood, sweat and tears into this place we call HOME. I do not want to lose my home, please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
A local Chase Bank representative told me that he could get the monthly fees waived from my account, as I was planning to use the account in the future to switch my banking from XXXX to Chase for primary use. The fees continued shortly after, at which point I decided to attempt to close my account. On XX/XX/XXXX, I sent a secure message to Chase stating I would like to close my account. On XX/XX/XXXX, I received a message saying I couldn't close it because it was negative due to the fees. 

I had intended to pay the fees to close it out but not even a month later my account was shut down. I do not know the specific day but it was no more than a month. I received no warning that my account was going to close and now they have reported me to XXXX over {$24.00}. When I went into my Chase account to view the account history and anything that would be important for me to know about the account closure, I could not find anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Fact, the term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report and the reporting of this inquiry contains information that contributes to the alleged experience and transaction between I, the consumer and the creditor.

Fact, the term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any authorization or approval of a specific extension of credit directly or
indirectly by the issuer of a credit card or similar device and the reporting of this inquiry violates this.

Fact, any consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer and I, the consumer, did not give any debt collector nor consumer reporting agency any written instructions to report the alleged account to any consumer report.

Fact, nowhere in federal law is it written that a debt collector or consumer reporting agency must report any information to a consumer report regarding a consumer except under the written instructions of the consumer and I, XXXX XXXX am in fact the consumer and did not give any consumer reporting agency written instructions to report any information to any consumer report Please remove this inquiry from my consumer report immediately as it is not only an invasion of my privacy as said so by congress under the FDCPA, and FCRA, but is also causing a substantial amount of harm and inconvenience to me as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I noticed that there was a medical bill reporting to my credit and I believe that medical bills were supposed to be private information and I never gave out my medical information to any collection companies.

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 2021-07-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC
State: FL

Complaint narrative:
I contacted the Veterans United after the denial of a VA home loan. The VA does not set a hard and fast rule on a credit score. If you are a veteran you are entitled to a VA home loan. The scores of XXXX is what would normally be required for FHA or conventional loan. There should be no discrimination on a veteran because they do not have a credit score of a particular number. I was told by the lender it was because of my credit score that I do not qualify for a VA home loan. I have other pre-approvals by other lenders but XXXX XXXX has lied and said I need a certain score. The VA does not discriminate. I have money in the bank and my debt to income ratio is awesome. I have a few OLD blemishes on my credit but have a score of XXXX should not be grounds for denial. I feel like I am being pushed out of a VA home loan because they don't want to offer such great benefits that a 100 % XXXX veteran is entitled to.

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 2021-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Advantage LNS Inc.
State: DE

Complaint narrative:
THIS COMPANY USED ILLEGAL TACTICS TO COLLECT ON ALLEGED DEBT THAT I DO NOT OWE. THEY THREATENED ME NUMEROUS OF TIMES OVER THE PHONE. 
FURNISHED A COLLECTION ACCOUNT ON MY CONSUMER REPORT WITHOUT AUTHORIZATION OR VALIDATION. I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THIS ACCOUNT.BLOCK AND REMOVE IT FROM ALL CREDIT REPORTING AGENCIES. IM ALSO SEEKING REMEDY FOR THE BLATANT VIOLATIONS OF MY CONSUMER RIGHTS WITH NO REGUARD TO THE FEDERAL LAW. ACCORDING TO FCRA 605b THIS INFORMATION MUST BE BLOCKED IMMEDIATELY UNTIL THE INVESTIGATION IS OVER.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
My paypal account was hacked and used for multiple charges for door dash orders across the US. I disputed this with paypal but they are continuing to report a balance that they want me to add to my account for the fraud transactions. They need to correct the account as i did not process the fraudelent orders.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
On XX/XX/2021 I contacted consumer reporting bureaus asking for verification of alleged debts associated with my consumer files. I received a communication from a debt collector who wasn't given prior consent to contact me and who I've never spoke to or created any alleged debt with. The communication that was sent to me was validation of the alleged debt and not verification of the alleged debt as I requested. I have attached documentary evidence with this complaint along with the violations the debt collector committed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21 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: Hollis Cobb Associates
State: GA

Complaint narrative:
This collection agency have threaten to damage my credit report because of a bill that was created on XXXX. I was making payments to XXXX in an amount that I could afford, which began with payments of {$150.00} and because I could no longer afford that due to decrease in hours at work I was only able to the amount of {$20.00} per month. I applied for assistance with XXXX but I was denied help. XXXX sent this bill to collections and I have been in contact with this collection agency and communicating with them and have been paying them as much as I can my first payment was for {$78.00} and my second payment was {$100.00} which i sent out today in the mail and when I called them they were asking for more like {$77.00} more and I don't have more! We are still in the midst of a pandemic and it is really hard to pay more! That was all I could pay towards this bill and the collection agency stated that my account could at any time be pulled and sent yet another third party agency and it's beyond their control! It's really sad that I was charged this much in the first place a {$3000.00} plus just for in XXXX. This is wrong and if they are not able to handle this situation, then I know surely XXXX will! I still have to pay for housing and for my car so that I can even go back in fourth to make the little money I have to pay my bills with and if I only pay this one and not the others then I will not be able to go to work and they will not be able to get any money from me so what do they choose to send this bill to the get the little that I'm giving or to get none, seems like this is not understandable to everyone!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
Franklin Collection Service Inc. 
Address : XXXX XXXX XXXX XXXX placed for XXXX I recently reviewed a copy of my credit report on XXXXand noticed this one inquiry that was unauthorized Please remove these inquiries from my credit report immediately. 
Should this company claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit Thank you for your prompt assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: KY

Complaint narrative:
I made a transaction through money gram to my wife, her card was shut off in her app so within 3 minutes the transaction was cancelled, I received an email from money gram stating I would have my refund within 24 hours, XXXXXXXX XXXX  was the card I sent the $ from its the XXXX XXXX XXXX XXXX card I sent it to my wifes XXXX XXXX card, I received emails from both banks stating everything is cleared from this transaction and money gram is refusing to give me back my money this transaction was done on XXXX XXXX its now XXXX XXXX seven days have passed and they have refused to help through the online chat I was told they could expedite the process I spoke to a manager on the phone and no one will do anything, this money was sent to my wife for her to get home shes stuck XXXX miles from home and now has ended up in the hospital from a heat XXXX and our minor child is with her and this company refuses to give me back what was promised within 24 hours and their staff told me the process could be expedited and yet shes sat there a week now and I cant get my money back to either have someone help her get home or go to her myself and bring her home because in my opinion with all this prior emails etc I feel like this company is stealing my money when they refuse to refund me or even do anything in an emergency situation even management refuses to help I need my money immediately its not theirs to keep the transaction amount with their fees was {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
This bill was paid in full as agreed on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: NY

Complaint narrative:
Very bad comoany I hate them Im a victim of fraud and they refuse to delete the fraud inqueires with my FTC report which they have by fax their system sent me confirmation saying deleted but their still reporting I call to tell them they tell me they dont care

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
On XX/XX/2021 Wells Fargo Bank NA Opened a charge account in my name without authorization. I did not realize this happened until I saw the negative impact on my credit score from additional inquiries. After some investigation, I called Wells Fargo on XX/XX/2021 to file a dispute with this, and requested they remove the inquiry from my credit score and immediately close the account. They stated that they would reach out to me the next day, as the department that handles that sort of thing had already left for the evening. 

I did not receive a return phone call from Wells Fargo, however the fraudulent account was closed on XX/XX/XXXX ( The next day ). 

The additional inquiry is still on my credit report, causing lasting damage to by financial status.

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 2021-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmerAssist A/R Solutions, Inc.
State: TX

Complaint narrative:
I have tried to reach XXXX XXXX XXXX to discuss this matter since XX/XX/XXXX with no response. Someone from their A/R department claims they will call me back. I have received collections notices from AmerAssist regarding an outstanding bill for {$130.00} that no one in your office seems to know what this bill is for. 

I have attached proof of insurance coverage from my previous employer for the months of services rendered listed in the documents provided by AmerAssist. 

I have also attached a notice of separation due to Covid-19 from my previous employer. I also recall notifying XXXX XXXX XXXX that my dental coverage would be ending on XX/XX/XXXX and we would not be able to continue receiving dental services from you since your office does not accept XXXX ( both my son, XXXX & I were covered under XXXX Dental through XXXX effective XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I contacted the Navy Federal Credit Union after the denial of a VA home loan. The VA does not set a hard and fast rule on a credit score. If you are a veteran you are entitled to a VA home loan. The scores of XXXX is what would normally be for FHA or conventional loan. There should be no discrimination on a veteran because they do not have a credit score of a particular number. I was told by the lender it was because of my credit score. I have other pre-approvals by other lenders but Navy Federal has lied and said I need a certain score. The VA does not discriminate. I have money in the bank and my debt to income ratio is awesome. I have a few OLD blemishes on my credit but have a score of XXXX should not be grounds for denial. I have multiple accounts with Navy Federal as well as credit cards. I feel like I am being pushed out of a VA home loan because they don't want to offer such great benefits that a 100 % XXXX veteran is entitled to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
On XX/XX/2021 XXXX XXXXXXXX XXXX XXXX Opened a charge account in my name without authorization. I did not realize this happened until I saw the negative impact on my credit score from additional inquiries. After some investigation, I called XXXX XXXX on XX/XX/2021 to file a dispute with this, and requested they remove the inquiry from my credit score and immediately close the account. They stated that they would reach out to me the next day, as the department that handles that sort of thing had already left for the evening. 

I did not receive a return phone call from XXXX XXXX, however the fraudulent account was closed on XX/XX/XXXX ( The next day ). 

The additional inquiry is still on my credit report, causing lasting damage to by financial status.

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 2021-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover is aware of the Identity Theft involving a credit card account and refuse to provide me information about the account beyond a " balance ''. Discover refuses to provide any proof to myself or the credit bureaus to verify that the debt belongs to me. Discover is claiming a balance of {$1400.00} is owed, but I have never had an account of any kind with Discover.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
on XX/XX/XXXX I sent a letter to all three credit reporting agencies for inaccuracies on my personal information. Ive sent two follow up letters XX/XX/XXXX and XX/XX/XXXX, and still nothing has been 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 explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: CA

Complaint narrative:
As I try to fix my credit I am approaching unpaid debts and paying settlements around 30-40 % of the original debt as my budget allows. I have closed out all my accounts this way except Mariner Finance. When I contacted them they were inflexible and vindictively started late fees on my account because I could not pay the full amount. Upon examination of there reputation I found they are considered a predatory lender by these XXXX and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX of the firm that runs Mariner is a tax fraud and emblematic of their greed machine. 

XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Secured Loan Balance on XX/XX/XXXX Loan Amount {$2600.00} -

Company response to consumer: Closed with explanation