davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (DC)

Experian will not explain to me why my FICO credit score dropped. Their customer service representative, when called on X/XX/17, said they were unable to determine why my FICO credit score declined within the past 6 months because I did n't have an account with Experian. 

If Experian is going to determine the FICO credit score, which directly affects my ability to open new lines of credit, I would at least like to know the factors that go into determining that score.
Consumer complaint received 2017-02-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NC)

I am a XXXX, representing a homeowner in the short sale of their property. We have been trying, myself and the homeowner, to communicate with and get an update from Ocwen regarding the status of the short sale approval. We have provided all documents requested - MULTIPLE times. Every time we get someone on the phone, most recently it was Agent # XXXX, just this morning, they disconnect our call! As soon as I began telling this person that we had already submitted the document she was requesting, multiple times, the phone clicked off, dead. The same, exact thing has happened multiple times to me - bu ONLY when speaking with Ocwen " relationship managers ''. They never call back and when we attempt to call them, we can never speak to the same person, and within a few minutes of explaining that we have already submitted every document they are requesting, they hang up on us! I am a XXXX. I 've XXXX in my career. This behavior from Ocwen is notably different from all others I 've dealt with. I can only assume they are intentionally trying NOT to allow the short sale and would prefer to foreclose on this property. I DO have a purchase contract on this home, from a pre-approved and committed buyer. We are ready to proceed and close this sale but Ocwen is not cooperating with us. They have made it impossible to proceed by continually requesting the SAME documents over and over and then hanging up on me when I explain I 've already submitted those documents. I have time-stamped emails proving that I have submitted the documents at least 4 times, some of them more than that. This has been going on since late XXXX 2016. I have reached out to Ocwen at various email addresses : XXXX, XXXX, XXXX, XXXX. I never get a reply back other than to request the same documents I just sent them. We are going in circles and I need the CFPB to step in and help us.
Consumer complaint received 2017-08-25
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. (GA)

I have been requesting verification of the following accounts that Equifax continues to report on my credit file XXXX XXXX XXXX XXXX XXXX # XXXX & XXXX XXXX # XXXX. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, Georgia XXXX as the source of their verification onXX/XX/XXXX. On Thursday XX/XX/XXXX, I directly called the XXXX XXXX telephone number that is listed on my report XXXX and spoke with agent, she informed the security freeze was placed on my consumer file # XXXX as XX/XX/XXXX, I have attached a copy of my security freeze confirmation from XXXX confirming the freeze date. After reaching back out to Equifax with same old script, " your account has been verified via XXXX ''. No record of any inquiry from Equifax or mode of verification from XXXX XXXX showing on my XXXX XXXX credit file.
Consumer complaint received 2016-05-25
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

I submitted a complaint which was decided in my favor. In that complaint, I requested that Wells Fargo Mortgage not require payment of deferred property tax. Wells Fargo has notified me that they will foreclose on my home if the taxes are not paid by XX/XX/2016. I called CFPB and requested a copy of previous complaint be email to me. Though the email was sent twice no complaint number was on it.
Consumer complaint received 2017-08-25
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: Experian Information Solutions Inc. (FL)

I have a credit freeze on my credit report. On XXXX XXXX I received my experian credit report and experian has aloud companies like, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and others to get a copy of my credit report. Even on my experian report it has in bold letters ( FILE FROZEN DUE TO STATE LEGISLATION ). experian has been allowing this for years. I put a freeze on my credit report back in XX/XX/XXXX. I have never applied to these companies. Now a day 's I know every one is making money on selling are information but we are expect to be accountable for are actions and are own credit reports these companies should be accountable for their 's.
Consumer complaint received 2017-08-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JMD,LLC (CA)

I am a 100 % XXXX VET. I have been awarded 3 XXXX XXXX. I have medical through the VA. I XXXX XXXX and was having XXXX. They took me to the XXXX. As soon as I came through I informed them I was a Veteran and that they needed to contact the VA. 100 % of my medical is paid by the VA. XXXX XXXX XXXX  is reporting a medical collection account. I informed them that I had insurance through the VA and the original creditor was aware of that and needed to bill VA. I told them I was disputing the validity of the debt. They did not even attempt to verify this. They immediately started to collect the bill from me. I again informed them that I disputed the debt and they needed to send it back to the original creditor but they ignored me. They sent me a letter. I responded to it again and told them it was wrong. They just kept at me to pay them. They ignored all of my requests. The VA should have paid this bill. The VA was never contacted.
Consumer complaint received 2017-04-05
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (NJ)

American Express gift card was used by unknown person in California on XX/XX/2017. We live in NJ and have not been to CA. Two {$1.00} charges to XXXX in XXXX ( card was supposedly swiped-magnetic transaction. Then on same day, online {$270.00} XXXX transaction which put the card at XXXX balance. American Express will not take any action and does not consider this fraud.
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, GA XXXX has not reported my payments accurately for the month of XXXX 2017. The last reported balance is on XXXX-2017. The current balance is XXXX
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXXXXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, GA XXXX has not reported my payments accurately for the month of XXXX 2017. The last reported balance is on XXXX-2017. The current balance is XXXX
Consumer complaint received 2017-08-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (AL)

I got on a repayment plan that was supposed to lower my monthly payments. Since I had a cosigner on my loan, they had to take both of our information in order to calculate a payment. They first tried to tell us we had a certain amount of money laying around when we indeed do not. The person that helped us set up our account asked did I spend x amount on groceries and I lied and said yes. The truth is, I do n't even have enough money to buy groceries. We set up a plan and I was able to split my payment up biweekly to something barely manageable for me. They take have been taking my payments up bi-weekly and I started getting calls and emails saying that my account was n't current. I called and spoke with a very rude and snippy NAVIENT rep that was mean to me all because I was trying to gain clarification about my loan and why the payment had went up in the midst of me paying what I could already BARELY pay. She said it had something to do with my interest going up, but no one EVER told me that this was even possible. Unable to get some understanding I eventually hung up in her face because it was pointless talking to her. She was heartless and inconsiderate and poorly trained representative.
Consumer complaint received 2017-08-01
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (IL)

XX/XX/XXXX CFPB : JPMChase ARM Loan XXXX Payoff Statements violate Financial Accounting Standards Board ( FASB ) Standards for verifiability.
Verifiability QC26. Verifiability helps assure users that information faithfully represents the economic phenomena it purports to represent. Verifiability means that different knowledgeable and independent observers could reach consensus, although not necessarily complete agreement, that a particular depiction is a faithful representation. Quantified information need not be a single point estimate to be verifiable. A range of possible amounts and the related probabilities also can be verified.
QC27. Verification can be direct or indirect. Direct verification means verifying an amount or other representation through direct observation, for example, by counting cash. Indirect verification means checking the inputs to a model, formula, or other technique and recalculating the outputs using the same methodology. An example is verifying the carrying amount of inventory by checking the inputs ( quantities and costs ) and recalculating the ending inventory using the same cost flow assumption ( for example, using the first-in, first-out method ). QC28. It may not be possible to verify some explanations and forwardlooking financial information until a future period, if at all. To help users decide whether they want to use that information, it normally would be necessary to disclose the underlying assumptions, the methods of compiling the information, and other factors and circumstances that support the information At my family 's homestead, XXXX XXXX XXXX, XXXX, IL XXXX, built by my parents, XXXX and XXXX, in XX/XX/XXXX, I have received JPMChase ARM Loan XXXX Payoff Statements, through First Class Postage USPS Delivery. The Payoff Statement I received XX/XX/XXXX, was for {$84000.00}. The Payoff Statement I received XX/XX/XXXX, was for {$88000.00}. Somehow, in the course of XXXX hours, the JPMChase XXXX XXXX XXXX Computers calculated an extra {$4000.00}, that I was expected to pay. XX/XX/XXXX, JPMChase took all my Mortgage Payoff Statements from XXXX Bond, and refuses to return any of them to me. On the back of each such Statement, I printed, in ball-point pen, the Date and Time that I had received each. I stored said Statements, with other Mortgage Documents, in sealed, nested, re-sealable thick-walled transparent plastic bags. XX/XX/XXXX, JPMChase, through First Class Postage USPS Delivery, sent me a Mortgage Payment Schedule. That Payoff Amount, for XX/XX/XXXX, {$84000.00}, differs substantially from those that I had received XX/XX/XXXX and XX/XX/XXXX. That violates Financial Accounting Standards Board ( FASB ) Standards for verifiability. I demand, that JPMChase immediately send me the Originals of those two Statements. If that is not possible, then I demand that JPMChase send True Copies, to be followed up with the Originals. Sincerely, XXXX XXXX XXXX, XXXXXXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2017-08-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Systems International, Inc. (TX)

I had a XXXX XXXX on XXXX XX/XX/XXXX. I got the injury treated by XXXX XXXX XXXX XXXX XXXX. When the bill came in for {$93.00} in XX/XX/XXXX I paid it right away. Since XX/XX/XXXX though, this company called Credit System International has been reporting this debt as delinquent. They never sent an initial letter saying that I owed a debt or received any communication from them whatsoever. I 'm trying to buy a house so I hope this does n't affect the credit decision. If it does, as this is the 3rd time I attempt to get this removed, I will sue them for breach of the Texas Debt Collection Act for lack of disclosure and initial letter, and under the Deceptive Trade Practices Act for deceptive practices for actual damages.
Consumer complaint received 2017-08-01
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. (MO)

X/XX/2017 X/XX/2017 I 've contacted all 3 credit agencies in regards to validating the U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The Bankruptcy Court mailed me a letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed XXXX, Equifax and XXXX Credit Bureaus has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.
Consumer complaint received 2017-08-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

I have already disputed this account with Hunter Warfield. I submitted proof of previous disputes showing not my account. I disputed with all Credit reporting agencies and this account was removed. I have included the same payment agreement for credit card authorization or check deposit that I included within my last dispute that resulted in the removal of this account. I have also sent a verification of debt sent by Hunter Warfield showing original account # XXXX yet original creditor shows acct # XXXX. This is a direct violation of my rights and I request the immediate removal of this account from all credit reporting agencies whom has been notified. Hunter Warfield is required to notify me within 5 days prior to re-insertion. That did not happen. They also have this information on record per previous disputes, yet still reporting this account to credit reporting agency.
Consumer complaint received 2017-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (LA)

Our home flooded in XX/XX/XXXX. We signed over the insurance proceeds of {$130000.00} to our mortgage co. because the check was payable to them and us. We have received about 1/3 of the funds ( XXXX ). The mortgage co. sent an inspector this week who determined that our home is now 77 % complete. XXXX at DMI ( Dovenmuehle Mtg. ) informed us today that we can  receive reimbursement for any receipts we have for our renovation but the remainder of the money will be held by the mortgage company until we pay our mortgage in full. She said this is because we are acting as our own contractor. They were aware that we were acting as our own contractor and never told us that before. XXXX at DMI told me onXX/XX/XXXX that we could get the second 1/3 of the funds after we completed 50 % of the work, and that we could get the final 1/3 of the funds once we completed all of the flood renovations. Originally our mortgage was with XXXX XXXX in XXXX XXXX, but they told us DMI services it, so that is who we have been dealing with. I will send them all the receipts that I have. Your help is greatly appreciated.
Consumer complaint received 2017-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I disputed XXXX collection accounts on my credit report with Transunion, that did not belong to me. On Tuesday, XXXX, I logged onto Transunion website and discovered that all XXXX collections were removed. On Wednesday, XXXX, I logged onto my XXXX account and discovered that my credit score had dropped significantly. XXXX reported that Between XXXX XXXX and XXXX that XXXX collection accounts had been removed from my credit report. These accounts are : 1 ) XXXX 2 ) XXXX 3 ) XXXX. On Thursday, XXXX, I logged onto my XXXX account and it states that between XXXX XXXX and XXXX, that a new account had been added to my credit report. The same XXXX creditors were added back onto my credit report. I called Transunion on yesterday and spoke with a representative that would not confirm to me that these items had been removed and then placed back on my credit report. I have attached pictures, showing that the accounts were in fact removed from Transunion.
Consumer complaint received 2017-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MA)

XXXX is reporting to Experian that they are currently collecting a government claim on my student loan, when in fact, my loan is current and currently being serviced by XXXX XXXX. 

I am unclear why the amounts of my original amount of approximately XXXX and XXXX each ( about XXXX in total ) now totals over {$30000.00}. Formerly XXXX XXXX has reported a total of the XXXX loans which i consolidate and are now XXXX at XXXX XXXX. 

I need this removed from my credit report because it is not accurate and s hindering my potential mortgage.
Consumer complaint received 2017-08-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frost-Arnett Company (GA)

frost Arnett is attempting to collect a debt with out sending validation, the invoices sent do not have any information that is correct nor do they have my signature. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I  do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide a breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me.
Consumer complaint received 2017-08-25
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: Ad Astra Recovery Services Inc (NM)

This Creditor is : Ad Astra Recovery Services, Creditor is : XXXX XXXX XXXX XXXX NM, in the amount of {$760.00} Account Number : XXXXX This account was already disputed by me and all the three major credit bureaus. " It was, " Investigated, Removed and Deleted. '' from all of my Credit Reports after I proved it was a, " Fraudulent Account and not mine! '' I was hit very hard back in the Year 2015 by up to 15 ILLEGAL CREDITORS, in which someone used all of my personal information to obtain credit and have access to cash as well. 
However, for some odd reason, it was once again placed on both my XXXX and XXXX Credit Reports! I do not know if it was placed on my XXXX Credit Report as I do not have access to it, however, this Creditor should not even exist as I mentioned all the credit bureaus did their investigation and found that is as indeed a, " Fraudulent Account! '' and had it removed! I do not understand why this is happening but it not right and I think it is quite illegal as this creditor is violating my rights under the Federal Trade Commission Laws! I have spent over two years now working on all the, " Illegal Frauds '' that were committed in my name and I when I finally managed to clear them up, " I then get hit again with this Creditor who was already removed and deleted. I also submitted to this company all the legal documents they requested and still they are allowed back! Something is not right with what is going on as I should not have to continue disputing Creditors that have already be en removed! I need this Creditor to remove themselves from my credit reports as what they are doing is, quite illegal!