vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Someone hacked my credit card and charged a number of XXXX charges, all for delivery to the same address in New Jersey. 

I immediately cancelled my credit card and wrote to XXXX at least four times in response to their bills, telling them these were fraudulent charges. 

XXXX has passed the debt on to a debt collector after I wrote them, and the debt collector mails demands for payment. The file # at the debt collector is # XXXX, and the debt collector is : Transworld Systems Inc. 
XXXX. XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
My name is XXXX XXXX last 4 of my SSN are XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. I made a payment through the online system for my car payment on XX/XX/XXXX. This payment was returned because I submitted through savings instead of checking. I only authorized a ONE TIME PAYMENT. On XX/XX/ Ally bank resubmitted the payment through without my authorization causing my bank to charge me XXXX. I called in and spoke with a manager named XXXX who told me that they did not need my authorization to process this payment since I already gave it onXX/XX/XXXX. She claimed that by me making that payment I gave authorization for the to go in and draft my account again if the payment was returned. She stated this was and agreement I made before submitting the payment. Well I went back and check what the online system stated when making a payment. " I authorize Ally to debit a one-time payment from my designated account in the amount and on the date i have selected and this authorization will be in effect until the payment is paid or until I cancel ''. No where does it state if my payment comes back I authorize Ally to draft my account again. I believe this practice is unfair and deceptive.

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 2018-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have disputed this account 3 times, and it keeps comming back as verified. This account was deleted by XXXX  as unverifued please remove this account or send me a signed contract of this debt under FCRA section 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 2018-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
My home is scheduled for Foreclosure Sale XXXX XXXX. I have been paying since XXXX. As of XXXX I had paid XXXX on a loan that was XXXX. My loan was transferred several times and incorrect information about how much I owe has been and Issue. Ocwen is saying still owe XXXX. I have asked for proof but they will not provide it. The loan is under the XXXX and it is not correct. They also send different amounts on the statement. I am in XXXX XXXX and XXXX XXXX. Once I reported Ocwen for Harrassing Calls they scheduled the Sale. Their is no documentation in the Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
On XX/XX/XXXX we signed our loan modification with nationstar Mortgage now Mr. Cooper under the Making home affordable program, since this loan modification was signed we never missed a payment neither make a late payment. 
On the loan modification agreement that we signed section XXXX. stated that we ( nationstar mortgage ) will defer XXXX of our outstanding principal. Provided we are not in default on the new payments such that the equivalent of three full months. 
The deferred will be on installments basis on each of the first, second and third anniversaries of XX/XX/XXXX, equal one third of XXXX which is XXXX e : g ( XX/XX/XXXX XX/XX/XXXX = XXXX should be defer. XX/XX/XXXX XXXX = XXXX should be defer. XX/XX/XXXX XX/XX/XXXX = XXXX and again we have never missed a payment. 
Last year they defer XXXX for the period of XX/XX/XXXX XX/XX/XXXX and at the end of the year they send us a XXXX ( cancellation of debt ) which we use to filed our taxes. 
This year meaning for period XX/XX/XXXX XX/XX/XXXX nation mortgage refused to send out the XXXX up till now I have not receive it yet I have called and called they keep given me different story and this is the only proof that we can get that this debt has been canceled as is stated on the agreements and we need this documents to do our taxes

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH

Complaint narrative:
On XX/XX/2016 XXXX XXXX used my social security number to do a hard inquiry on my credit report without my consent. They never asked for my consent to check my credit report and I never gave my permission. This inquiry shows up on my XXXX and XXXX  credit reports. When you fill out an application on their website, you are prompted to enter your social security number. The website states that your credit will not be affected. You are never asked for your consent for XXXX XXXX to check your credit. I would like for this hard inquiry to be removed from my XXXX  and XXXX  credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I spoke to someone from this company a few weeks ago. They informed me there is a debt that is past the statute of limitations so they could not report to credit bureaus or file a XXXX, but that they were trying to pursue it. I told them that I do not recognize the debt and that I never received any paperwork regarding the issue. I gave them my address and told them I can not speak to them regarding the matter until I saw the details on paper. I never received anything from them through the mail, but they continually call my cell phone from different numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
As to so many times previously, My name is XXXX XXXX XXXX and my husband XXXX XXXX. We had placed a total of 10 complaints related to Select Portfolio Servicing and their deceptive practices, but your department only send the complaint and wait for the complaint to be answer. But here we go again. I submitted a loan modification to SPS multiple times. The latest modification of mortgage that I received was in the amount of {$4500.00}, a larger amount than the one I received before, the interest rate at 7.475 % adjustable rate the same terms I had before with the same principal balance of {$530000.00}. This are the receptive practices from SPS. 
First I had been given five years off my debt due to Statutes of Limitations ( see final summary judgement interest rate from XX/XX/XXXX to XX/XX/XXXX that make us only 70 payments past due not 125 past due payments as they keep stating that is due. 
I contacted and submitted a complaint also to the Federal Trade Commission, Florida Office of the Financial Regulations for providing servicing in Florida without a license and third open a law suit related to the present charges and not giving us credit for the 5 years deduction. No one is to big to fail. Thank you for your communication service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a XXXX  XXXX of {$600.00} ( XXXX XXXX ). This amount is automatically deducted from paychecks every pay period. FLORIDA XXXX XXXX XXXX reports this account to XXXX. I have been disputing the accuracy of this account for over 4 months multiple times. I have provided documentation including but not limited too : Paystubs ( 4 in total ), Copy of Order for {$600.00}, Copy of Payment XXXX from FLORIDA XXXX for this account, Copy of CHAT Transcript with Florida XXXX substantiating my claims and more. XXXX FAILS to update account accurately or when they do, the very next day they change it back. They are reporting FAILURE TO PAY, MORE THAN XXXX DAYS LATE, Improper monthly payment requirement of {$2000.00}, Completely inaccurate Payment History for past XXXX months. They FAIL to look at the documentation and just keep reporting something different each dispute. My rights under the FCRA require ACCURATE REPORTING, my rights under the FCRA require the XXXX  if they feel their is ANY DOUBT to the information being reported they MUST remove it. Being I have provided the COURT ORDER, COPIES OF MY PAYSTUBS, COPIES OF XXXX XXXX, and more they have more than sufficient information to have DOUBT if NOT EVEN CORRECT IT PROPERLY. With XXXX disputes filed already, they make me file a NEW DISPUTE every time even though this has been the same problem from the beginning. They are clearly violating my rights under the FCRA in reporting information which CLEARLY inaccurate. I take my XXXX XXXX and my credit very seriously and I feel this is being done intentionally or being handled by someone who is NOT PROPERLY INVESTIGATING THE DISPUTE. Attached the complaint : LETTER to FLORIDA XXXX, COPIES OF XXXX 'S inaccurate reporting, COPY of CHAT TRANSCRIPT with XXXX, COPY OF PAYMENT XXXX to FLORIDA XXXX, PAYSTUBS showing the corresponding deductions, COPY of ORDER of $ XXXX. ALL of this information has been provided to the XXXX previously as well. All of this information is VERIFIABLE.

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 2018-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
Blitt and Gaines is acting as a debt collection agency. And is not licensed for it in the state of Illinois. Which it is required to be licensed if you are collecting directly or indirectly under the Illinois Collection Agency Act. 

I realize that there is an exception to the law, if it is a law firm. But the requirement for this, is that the the law firm must practice other area 's of law as well. And this is not the case with Blitt and Gaines.  They are 100 % a debt collection agency. 

They refer to themselves in emails and letters as debt collectors. If you visit their website and click " contact us '', they state they are debt collectors. They have job postings for call centers, only to collect debts. No other law firm does this. 

100 % percent of their cases in XXXX, IL are debt collection cases. Over 300 cases! And if you check other cities in Illinois you will find the same thing. 

If they refer to themselves as debt collectors and 100 % of their cases are debt collections. Than they are a debt collection agency. And need to be licensed. 

I also have evidence that they will refuse to take another form of law from a client, since its not a debt collection case. And the type of law, is listed on their website, as an area of practice. Just email me your fax number, and I can fax it to you. 

They claim to practice Commercial Real Estate litigation on their website. When contacted, they will not take a case for that matter. 

They will only accept debt collection cases.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX is acting as a debt collection agency. And is not licensed for it in the state of Illinois. Which it is required to be licensed if you are collecting directly or indirectly under the Illinois Collection Agency Act. 

I realize that there is an exception to the law, if it is a law firm. But the requirement for this, is that the the law firm must practice other area 's of law as well. And this is not the case with XXXX XXXX XXXX. They are 100 % a debt collection agency. 

They refer to themselves in emails and letters as debt collectors. If you visit their website and click " contact us '', they state they are debt collectors. They have job postings for call centers, only to collect debts. No other law firm does this. 

100 % percent of their cases in XXXX, IL are debt collection cases. Over 300 cases! And if you check other cities in Illinois you will find the same thing. 

If they refer to themselves as debt collectors and 100 % of their cases are debt collections. Than they are a debt collection agency. And need to be licensed. 

I also have evidence that they will refuse to take another form of law from a client, since its not a debt collection case. And the type of law, is listed on their website, as an area of practice. Just email me your fax number, and I can fax it to you. 

They claim to practice Commercial Real Estate litigation on their website. When contacted, they will not take a case for that matter. 

They will only accept debt collection cases.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Never came to terms, Have no debt with this lender what so ever, Had i known the terms submitted by the lender, i Would have never Submitted a Credit application. 

XXXX XXXX  Inquiry from XX/XX/XXXX Institution Information XXXX XXXXXXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX XXXX XXXXXXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX from XX/XX/XXXX Institution Information XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Coaf Inquiry from XX/XX/XXXX Institution Information XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXXXXXX, TX 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 2018-03-10 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: MS

Complaint narrative:
Equifax reports a hard inquiry dated back XX/XX/2017 again once you disputed before. Some company called XXXX XXXX XXXX-no address or phone number listed. Strange! They have placed it back on my credit reportt this year. I have a credit report monitoring system that alert me when a credit report agency invalid report false inquiry like Equifax has systematically with my credit report status dropping my points to XXXX purposely sabotaging my credit profiles. I don't like it!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 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: NC

Complaint narrative:
I have contacted the credit reporting agencies numerous times over the past year to have them dispute these credit inquiries from my credit report. Each time I have called and asked to have them to dispute the inquiries they have informed me to call the creditor directly to have them to correct the error. How can I contact the person listed on my credit without all the information needed to dispute it directly with the person that put it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 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: CA

Complaint narrative:
Never came to terms, Have no debt with this lender what so ever, Had i known the terms submitted by the lender, i Would have never Submitted a Credit application. 

XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX XXXXXXXX, MN XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX XXXX XXXXXXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX from XX/XX/XXXX Institution Information XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 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: CA

Complaint narrative:
Never came to terms, Have no debt with this lender what so ever, Had i known the terms submitted by the lender, i Would have never Submitted a XXXX application. 

XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX XXXXXXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Owner XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX from XX/XX/XXXX Institution Information XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXXXXXX, TX 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 non-monetary relief
Consumer complaint received 2018-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IA

Complaint narrative:
I was approved for an FHA loan - 30 year, fixed, 3.5 % interest rate - originally through XXXX XXXX XXXX. Very soon afterwards, my mortgage was sold to Freedom Mortgage. Due to having some health issues, I had to take off some time from work and became late in my payments. During that time, I was generally about a month behind. The company would discuss loan modification with me, but then would generally comment that they would not recommend I do the loan modification and instead I should just try my best to catch up on payments. In the process of trying to get all that settled, I had several things happen which made me about two months behind. Just when I was getting caught up, I was notified that my mortgage was increasing from {$1000.00} to {$1600.00}. When I called about this significant increase, I was told that the company had completed an Escrow Analysis and determined that they were not having me pay enough to meet my property tax  requirements. Initially my payment was broke down as follows : principal {$880.00}, escrow {$150.00}. They said that they had increased my escrow payments to {$510.00}. Additionally, they said that I had a deficit in my escrow and therefore, I would have to pay an additional {$290.00} per month towards that. When I asked why they had not recognized this issue from the get go, they told me that my house was a new development and therefore they did not have the tax information. However, my parents have had a house built in the same area that I live in and their escrow payment for taxes and insurance was assessed properly. I was a first time home buyer, no one explained caught this oversight during closing or any time before I closed. Although I was able to borrow the money to pay the deficit in the escrow, my payment has still increased significantly. I am afraid that I will lose my home. Are there any suggestions on how to address this? I have continued the loan modification process, although, every time I turn around there is something they need that they never said anything about before. I just would like help with guiding me through this process.

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