vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
We closed on the house that we sold on XX/XX/2019. Title company recorded new owners of property with XXXX XXXX County Courthouse after wiring full payoff amount to PHH with Wire Confirmation on XX/XX/2019. Subsequently, we received in the mail a letter dated XX/XX/2019 from the law firm, XXXX XXXX XXXX that our loan ( that had been paid in full ) was being placed with this firm for foreclosure. The amount demanded was for Principal & Interest, Escrows and Other fees, Attorney Fees and Cost which was {$370.00} more than the amount that had been paid to PHH on XX/XX/2019. The reason for this difference was Attorney Fees & Costs which were being charged after the closing. I contacted the law firm to inform them that we no longer owned the home as of XX/XX/2019. We were told by XXXX XXXX XXXX XXXX XXXX to email them the FINAL ALTA and Wire Confirmation for their records. We emailed these to them on XX/XX/2019. We also called the Attorney at XXXX XXXX ( The Closing Company ) to inform them of the letter and the call that we had received from PHH. We were told by XXXX XXXX  Closing Attorney that he would handle this. On the afternoon of XX/XX/2019 we received a phone call from PHH informing us that we were being foreclosed on unless we made a payment. I told them that the property was sold on XX/XX/2019 and that we no longer owned the property, and they had received the payoff, in full, on XX/XX/XXXX. They said they would research it and call us back. We didn't hear back from them, so called them with the attorney from the title company on the other line on XX/XX/XXXX. After being passed through a few people and put on hold a number of times, PHH acknowledged receipt of the payoff amount they had sent that the title company had sent in the amount of {$290000.00} XXXX the exact amount they had sent, in writing, was the pay off through XX/XX/2019 ). They said they could see it in their system, and they could also see that it had been received by them on XX/XX/2019, as the wire confirmation stated. However, they said they had to escalate it, because they claimed we might owe additional money, and they would get back to us. We have not heard back from them. We have called repeatedly only to be told that it was escalated and they would call us, that the file is still active. In the meantime, they are reporting me late to the credit bureau for XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My mortgage was due on XX/XX/XXXX but money I transferred to the account that this payment is pulled from was not received until XX/XX/XXXX. I called and was told to make the payment online which I dd, yet I have received several notices in the mail indicating that I still owe XXXXXXXX XXXX payment. 
I called and asked why the web site indicates that I have paid the money but the money is still in my checking account and under the " Next Payment Due '' section it still shows XX/XX/XXXX. Received a new statement in the mail two days ago showing the next payment is due on XX/XX/XXXX and the correct mortgage amount BUT noticed that they added the same fee which I already paid to the total amount due. 
Tried calling customer service, spoke to another supervisor who was no help today. Spoke to a manager and customer service rep on XX/XX/XXXX. No one is listening or helping. Could it be a glitch on the app or website? No one will acknowledge this possibility yet they want to take more fees from me. No way to send a message to Mortgage Support even though you can type in a box like this ... do they really want to hear from customers?

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 2019-12-30 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: Roberts Markel Weinberg Butler Hailey PC
State: TX

Complaint narrative:
My HOA, XXXX XXXX, who is currently managed by XXXX XXXX XXXX and represented by XXXX XXXX of XXXX  and XXXX  are attempting to collect years worth of discharged bankruptcy dues. They are further causing severe economic hardship, as they have stalled and are preventing me from selling my home, which I can not afford and was also included in the bankruptcy. My past due HOA dues were discharged in  chapter XXXX bankruptcy on XX/XX/XXXX, but the HOA continues to attempt to collect dues that were discharged for years XXXX through XXXX to this day. Despite the dues not being owed until late XXXX, they also referred my file for collections to an attorney. I have provided them notice of the chapter XXXX with the filing, once discharged, and again to their attorney directly on XX/XX/XXXX. The HOA now refuses to provide an updated balance statement removing the discharged dues, including through their attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
PHHMortgage holds mortgage with collection being managed by XXXX. Previously, processing was through PHHMortgage directly but moved to their XXXX legal entity. We signed agreement in XXXX that XXXX was to release the escrow for our property taxes by XX/XX/XXXX. They failed to do this. It is now XX/XX/XXXX. 

Placed call and through several customer service escalations we were told conflicting information : 1 ) The check was mailed to us on XX/XX/XXXX 2 ) XXXX didn't know if it was sent to us or the local tax office ( I personally confirmed, this has not been received by local tax office ) 3 ) XXXX was not sure if it was actually issued I have discovered the company is working through multiple legal entities operating out of same business address and is operating their debt collection services out of overseas offices. This may or may not be a legal arrangement, but I am concerned that I have been victimized by a shell organization and that i will never get my money back. 
The varying responses from customer services indicate the staff has been given only cursory information to communicate to callers and have no access to information indicating they are aware of any actual mortgage processing activities specific to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello, My debit card was stolen on the night of XX/XX/XXXX. The next day I discovered {$6000.00} in unauthorized charges had been posted to my account and called right away to cancel my card. I was asked if the PIN was written on the card which I replied no. Once the situation was under control I took inventory and realized the PIN was written on a separate paper that was also missing. I visited the branch office on XX/XX/XXXX located XXXX XXXX XXXX XXXX, XXXX, IL XXXX to update my claim and submit evidence in the form of my location history for the last few days. After waiting many days heard nothing. I called back several times to get a status however Chase was not able to give me any information and it seemed they were not taking steps to properly document as they were missing evidence I had submitted in person. They did not communicate to me what I could have done to help the process or even to keep me informed on the claim 's status. Every phone call was a struggle to get basic information and in the end they rejected my claim with their only suggestion being to obtain a subpoena on all the places my card was used to prove these charges we not made by me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-30 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: PNC Bank N.A.
State: MI

Complaint narrative:
On XX/XX/2019 I visited my local PNC bank to inquire why my checking account was continuously overdrawn, since I very seldom use the account. I use the account for direct deposit savings primarily. I spoke with Mr. XXXX XXXX, who printed out an account transaction detail report. He and I discovered that there were weekly unauthorized withdrawals of $ XXXX {$29.00} from XXXXl XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 
I immediately phoned these companies to stop payments. XXXX XXXX that they would refund my money and close the account. I was unable to contact XXXX XXXX, XXXX, ( just music playing-no answer ). I requested to close my account with PNC, but Mr. XXXX advised me against the closing until my money was reimbursed. He assured me that he would file disputes against these payments and I would be reimbursed. Needless to say, the very next week 2 more withdrawals from my account was made and PNC did not stop the payments even while they were in dispute. 
My account transaction detail report indicated that this has been occurring for over a year, totaling to well over {$2000.00}. 
Mr XXXX informed me on XX/XX/2019 that due to the number of times these unauthorized withdrawals were made, the bank will not reimburse my money, and they could no-longer assist me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Saddleback Acceptance Corporation
State: AZ

Complaint narrative:
Tried numerous times to call and refinance and also to make payment. Emailed and called company several times with no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
Advertised an XXXX XXXX card on the XXXX app. Contained FAQs to the card 's benefits and rewards system. After using the card, found that rewards were NOT points that could be redeemed for cash back, statement credit, or gift cards. Rewards was ONLY available as credit on the uber and uber eats app. After contacting Barclays, I was told the rewards program was being suspended as of XX/XX/2020 and that I had *actually* applied for the XXXX XXXX card and that because of this all my rewards would be uber credits. I asked if they could do a one time statement credit in light of the misleading advertising and the fact that the rewards card FAQ was still the information being displayed in the XXXX app. They told me because the information was in the fine print of the terms and conditions, they would not grant my request. I now have about {$120.00} in " XXXX dollars '' that I didn't need, and the XXXX rewards points I was expecting to be able to redeem are non existent.

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 2019-12-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On, or about, XX/XX/XXXX, I called JP Morgan Chase Financial to inquire about the pay-off and purchase price for my auto lease for a XXXX XXXX XXXX XXXX. I was informed that there was nothing they could tell me until my lease was paid in full. 
On, or about, XX/XX/XXXX, I made my final lease payment nearly 4 weeks early so I could begin the purchase process. 
After waiting 5 business days for the account to be updated, I called Chase again. I was told to go see the dealer whom I leased the car from to refinance it. After visiting the dealer and obtaining a purchase price that was over {$1500.00} more than the contracted purchase price stated in the lease, and having the car keys taken until a demand had to be given in order to get them back, the dealer price was unacceptable. 
On, or about, XX/XX/XXXX, I called JP Morgan Chase Financial again to inquire about the pay-off and purchase, and was told this time that Chase would do the financing. I agreed, and Chase tool all my information and said someone would call me back. Nobody ever called back. 
On, or about, XX/XX/XXXX, I called JP Morgan Chase Financial again to inquire about the pay-off and purchase, and was told someone was working on it. 
On, or about XX/XX/XXXX, I called XXXX XXXX XXXX to inquire about financing the purchase of my Lease that doesnt officially end until XX/XX/XXXX ; last payment due XX/XX/XXXX but made XX/XX/XXXX. XXXX XXXX took all my information and said they would let me know. 1 day later I was approved, and all they needed to know was the details of the payoff from Chase that I have been unable to receive. 
I called Chase several times since then, with the most recently called and spoke with Chase on XX/XX/XXXX. At that time, they said they would fax over the buyout package to my XXXX XXXX representative and I gave them all names and numbers to fax immediately. At that time, they again tried to make me talk to someone who could clear up the problem, but I knew it was someone who would again try to sell me on their local financing and then never to be heard from again. I told them I only needed my payoff package and the girl said it was on its way. To date, XXXX, my XXXX XXXX representative has received nothing from Chase and my lease is officially over, with Chase expecting new payment but will not give me any response of the buyout amount in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
My Transunion credit report shows a closed account for : XXXX XXXX XXXX XXXX Line of Credit Closed : XX/XX/XXXX Remarks : Chapter XXXX Bankruptcy Last reported : XX/XX/XXXX This account was actually closed in XX/XX/XXXX and discharged in Bankruptcy in XX/XX/XXXX. 

Because of the inaccurate reporting, I have been denied a mortgage, loans, credit cards, and have even been denied opening checking accounts. 

The way XXXX has reported this makes it look like I had a closed account 2 years ago and filed bankruptcy 2 years ago. 

As stated above, this account was closed over 12 years ago and discharged in bankruptcy over 9 years ago. 

XXXX XXXX XXXX XXXX should not be reporting this account at all due to the age of the account. 

I have reached out to XXXX several times. 3 times in XX/XX/XXXX, and once this past week. 

XXXX has confirmed with me that the account was infact closed in XX/XX/XXXX, not XX/XX/XXXX and that it was discharged in XX/XX/XXXX in bankruptcy. I have been met with great resistance though in getting them to correct the information they are reporting to credit bureaus. They have told me numerous things, just dispute it on my credit report, that they will take care of it, etc. Nothing has worked and as recently as XX/XX/XXXX they have not corrected this issue and misreporting and the item and the inaccurate information is still on my credit report. I have even gone as far as to dispute the information but XXXX validates it every-time and says what is being reported is accurate. 

We even have a letter from XXXX   confirming the account closure in XX/XX/XXXX " not XX/XX/XXXX '' and that the bankruptcy was in XX/XX/XXXX, this letter and the recent  communication has been attached.

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 2019-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The errors date back to XX/XX/2019 to present. My credit ws XXXX with XXXX  and equifax and then it dropped more than 100 points without explanation. I have been a homeowner for 2 1/2 years with excellent payment history. I have leased a car for 2 years with excellent payment history. I hav no derogatory marks on my credit. There was a mistake by XXXX erroneously putting my account into collections. That eror should have been corrected by now. If the problem is not resolved ASAP, I will take legal action against XXXX and any other entity responsible for this mistake. I am a XXXX veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: IL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Resources, Inc.
State: NM

Complaint narrative:
I did not receive any communication from this company regarding the debt, but they posted a collections account on my credit reports with all three reporting agencies. I do not owe the amount, and have EOB 's from my insurance providers showing that I did not owe the supposed original creditor anything at that point in time. The collections agency has stated that they are unable to substantiate the amount owed with any sort of proof, but is unwilling to remove it from my credit history unless I pay it. Normally, I would just pay for something this small, but I'm furious that they would post derogatory marks on my credit history without ever contacting me in the first place. I would like this collections agency to be investigated for such practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE
State: TX

Complaint narrative:
I HAVE BEEN TRYIN TO FIGURE OUT WHO XXXX XXXX IS ON MY CREDIT REPORT STATING I OPEN AN ACCOUNT WITH THEM ON XXXX XXXX, 2019. FOR WHAT I WOULD LIKE FOR THIS COMPANY TO PRESENT ME WITH PAPERWORK SHOWING I HAVE A LOAN WITH THEM AND ITEMIZE EACH CHARGE ADDING TO THE TOTAL AMOUNT OF {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: CA

Complaint narrative:
I received a letter dated XX/XX/2019, from a company called Synergetic Communications , Inc. saying I owed a balance of {$13000.00}.

I never had a balance of that and check my credit daily never seen anything, I called for more information and no information was given to me I do not want this negatively affecting me and my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XX/XX/2019 I received notice from my prior mortgage servicer that my loan was being transferred to Shellpoint Mortgage Servicing ( " Shellpoint '' ) effective XX/XX/2019 and payments should be accepted by Shellpoint on or after XX/XX/2019 ( the " Notice '' ). The Notice from my prior servicer did not contain a new loan number, but rather referenced Shellpoint 's customer servicer phone number and address. Since such time of receipt the Notice, I have attempted to email and call Shellpoint approximately 20 times to locate an account number to process my mortgage payments. Many times I wait on hold for longer than 10 minutes, and have no success in obtaining an account number, being identified as a customer or successfully being escalated to a specialist for further research. Most recently on XX/XX/2019 I waited on hold for 42 minutes to only have the phone disconnect ( without any fault of mine ). I have also attempted to establish an online account with Shellpoint ; however without a loan number an account to process a mortgage payment can not be established. Additionally, I have connected with my prior servicer and lender over the phone and both confirm my loan has been transferred to Shellpoint. Moreover, my home owner 's insurance policy has been updated to name Shellpoint as the lienholder, which was communicated to me via US mail and contained an incorrect reference loan number on the communication. Lastly, on XX/XX/2019 Shellpoint requested I coldcall many other mortgage servicers to see if they had my loan and I was provided by a Shellpoint representative with 3 other phone numbers. Upon my calling of other mortgage servicers I was unable to locate a loan number.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Professional Placement Services, LLC
State: WI

Complaint narrative:
At XXXX XXXX ( CT ) an employee of Professional Placement Services call my cell phone, said, " You're stupid '' and then hung up.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation