vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The Credit bureaus are reporting erroneous information on my credit file and i keep disputing the errors.

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 2019-08-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XX/XX/2017, I made a purchase of floor tiles at XXXX XXXX store in XXXX XXXX, FL. I was offered which I understood to be a " no interested financing '' arrangement at the time with Synchrony bank and I found out later to be a " deferred interest arrangement '' ( after the bank charged me unrealistic amount of interest ), which was not fully disclosed to me at the moment of the purchase. After my purchase, I set up auto pay and never look at statements that I found out later were available in the bank website where the bank claims there is a statement that explains the " deferred interest arrangement ''. I called the bank and requested the documentation they had that shows I agreed with a " deferred interest arrangement '' and they said they would request to the store ( XXXX XXXX ), but they could not copy me in the request to the store. I went in person to the store and requested the documentation they have available and there is no evidence that I agreed with the " deferred interest arrangement ''. My complain is I would like to receive the documentation that prove that I acknowledge and understood the deferred finance arrangement, otherwise I think it is not fair I paid the interested, since the debt became higher than the purchase amount. Thank you

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 monetary relief
Consumer complaint received 2019-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NE

Complaint narrative:
I mailed 7 payments in 4 different mailings over the last 3 months that never posted to my account, a total of {$11000.00}. PHH Mortgage Company became a new company or merged with XXXX XX/XX/19 during this time period. 

I have called daily for the last 2 weeks following up on their claim to be looking for the payments. I faxed the attached cashier check stubs.. They found one check of 2 payments and returned them a few days ago saying they will need all the payments to be together to bring the loan current. The other 5 payments whereabouts are 'being investigated ' but every day no progress. They sent me a 'Intent to Foreclose ' notice 2 weeks ago that alerted me to this problem. 

I can stop payment on the remaining checks and send them all in together, ( {$12000.00} ) but their failure to handle these checks according to their own policy has resulted in late fees that I should not have to pay since these payments were received and not posted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Please advise as to how I can escalate my complaint against Wells Fargo Home Mortgage. I had been current for 36 months in a row when I was laid off of my job. I contacted Wells Fargo immediately and was told about a deferred payment plan. I agreed to enroll in the plan in XXXX and was told not to make any payments until the enrollment process completed. In XXXX, I was sent the paperwork for the program and noticed that all deferred payment would become due immediately at the conclusion of the program. This was not told to me initially back in XXXX. However, at this point, I was now over 2 months behind on my mortgage. I was advised by Wells Fargo Home Mortgage not to worry, enroll in the program, and when it concluded we would apply for a loan modification to address the deferred amount. I did as advised but then, due to the glitch in Wells Fargo 's software, was told that I didnt have sufficient income to qualify. I knew that had to be incorrect and appealed time after time, only to receive the same answer. Finally, my house went into foreclosure. Because of this glitch in their software, I have lost my home along with many other homeowners. I have filed complaints and written many letters but no one has helped. I filed a complaint with you and Wells Fargo supposedly did an investigation. Their response was that they can not do anything to correct the situation because my house was sold in a foreclosure sale. That is exactly my complaint. Wells Fargo unlawfully sold my home and now says nothing can be done because they sold my home. How do I escalate my complaint to a Federal agency that can actually do something in regards to my situation?

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 2019-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: IL

Complaint narrative:
In XXXX ( not sure of correct date ) I had a hearing with XXXX as well as Illinois XXXX XXXX XXXX. During my phone hearing I informed both the hearing officer, as well as the rep from Illinois XXXX XXXX XXXX, that I did not owe the debt that they were claiming I owed. The hearing officer as well as the rep from Illinois XXXX XXXX XXXX informed me that in order to clear the debt I would have to provide attendance records from my sons school that showed he did not attend the after school program for which I was being charged. The hearing officer suggested that I not appeal the amount being owed until i gathered all of the necessary information, and both the hearing officer and rep from Illinois XXXX XXXX XXXX suggested that I pay on the debt so that it did not go to collections, and if it was found out that I did not owe what they were claiming, I would be reimbursed. In XXXX I received an agreement from XXXX that I would pay {$57.00} each month on the XXXX in order to satisfy the debt. I remitted payment of {$57.00} on XX/XX/XXXX. On XX/XX/XXXX I went to the school DHS and Illinois XXXX XXXX XXXX stated I owed the debt from, and they had no record of my son ever being in their after school program, and stated they never received any payments from the state. I faxed Illinois XXXX XXXX XXXX this information, and reappealed my original dispute on XX/XX/XXXX. Today on XX/XX/XXXX, I received a notification from XXXX XXXX that a new debt had been added to my XXXX  account- it was the debt from DHS/Illinois XXXX XXXX XXXX. I immediately contacted the collection agency and told them that I was disputing the debt, and that it had already been in dispute within the 30 day time frame that I am allowed by LAW, and that a payment had already been made on the account, and therefore it was not past due so they were reporting deceptive practices to the credit bureaus. XXXX told me that I didn't know what I was talking about, and that they could not remove the debt from my credit report unless XXXX advised them to. I explained to XXXX that Harvard Collections was in violation of the FDCPA because I had already disputed, in writing with XXXX that the debt was not valid within the 30 day time frame, and had already made a payment so the debt was not pat due and he insisted on telling me that they were within their rights to report this invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
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: EQUIFAX, INC.
State: MO

Complaint narrative:
My husband and I are trying to get a home loan and my credit has been reported to three different agencies, two of the three the lender has gotten my credit information from, but the third will not allow access it says " Inquiry info identified as fraudulent by consumer '' I have called Equifax multiple times and tried logging in and creating an account and it will now allow me to it just gives me a number to call, so I called the number and none of times I called they were able to figure out the problem and just say that I need to have my loans reported to Equifax, I have exhausted all of my options in moving forward with getting my credit score from this company and can not move forward with our lender until I have that credit score. The date in which I have been trying to get this all figured out is XX/XX/19.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: NE

Complaint narrative:
We sent a payoff loan check # XXXX and mailed the check at the end of XXXX and it was never applied to the loan. Now the company is saying we are two payments behind. The company is trying to charge us late payment fees. The company has reported late payments to the credit report companies in spite of being advised of the payoff check and amount of the check. The representatives have been rude and not helpful at all. I think this was intentional of the company because this company is known for being dishonest. They charge hidden fees to receive payments, which we were unaware of when we accepted the loan terms. I think the reason this company wanted to give us this loan was to buy and sell our personal info. This company has been harassing us nonstop almost immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: AK

Complaint narrative:
I received a phone call from XXXX. When I answered, they hung up. I called them back, it was a business called XXXX XXXX XXXX. I spoke with a man and requested he give me the mailing address for his company, that I would like to send him correspondence on not contacting me anymore. I asked for their mailing address no fewer than 6 times, and when I finally realized he was not going to tell me I asked him to take my number off their list. They called me at work, and I thought I missed a legitimate phone call. I do not have any debts in collections, I should not be receiving phone calls from debt collectors at all. But calling and then hanging up on me when I answer is ridiculous and childish. Failing to provide me with their mailing address so I can ask them to stop contacting me is ridiculous and childish. This is the first correspondence I've had with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I'd like for my extended fraud alert to be removed. I've tried to call multiple times and seem to only get an automated system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Specialized Loan Servicing Holdings LLC
State: ME

Complaint narrative:
For the past 9 years, I have had a XXXX XXXX XXXX XXXX XXXX XXXX which was in good standing in my name. I paid the amount monthly - even after my ex-husband applied for Bankruptcy and was discharged under his name ( his name still remains as a co-borrower ). 

Recently, XXXX XXXX XXXX sold my loan to XXXX XXXX, which then authorized Specialized Loan Servicing ( SLS ) to administer the loan payments, etc. SLS appears to be more of a collection service bureau than a financial institution. 

XXXXk XXXX XXXX sold my loan on or around XX/XX/XXXX. I was notified by XXXX of the sale to XXXX XXXX and was informed that I would receive information soon from the new loan company. I did not receive ANY paperwork, information on where to pay my loan, etc. until XX/XX/XXXX. I received a letter from Specialized Loan Servicing indicating that my home equity loan is now delinquent, and I needed to contact SLS to discuss possible loss mitigation options. I was able to navigate the SLS site and set up an online account. I had difficulty adjusting the payment that covered a specific time line, the site would only allow for me to make the past payment due PLUS a payment that was due in XXXX. I was able to call SLS where they were willing to take the payment that was currently due. On XX/XX/19, I logged on to make my XXXX payment - and once again, the site would not allow me to adjust the current payment due ( {$220.00} ), instead a payment of {$470.00} ( covering XXXX ) was ordered. Also, I am not able to change my method of payment. I want to use a different debit/credit care and the SLS website will not allow me to do this. 

The SLS site and XXXX XXXX company is very difficult to navigate and communicate with. When I call, and enter my phone number ID, they claim that my phone number is not identified with my account number. SLS has also marked me down as making two late payments, when that is not a fair assessment. I do plan to refinance this loan in the next few months, but I am trying to pay down other finances first in order to be eligible for a lower interest rate. Please assist. Thank you. 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 2019-08-21 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:
I have been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been a victim of identity theft.

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 2019-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I'd like for my extended fraud alert to be removed. I've tried to call multiple times and seem to only get an automated system.

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 2019-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I'd like for my extended fraud alert to be removed. I've tried to call multiple times and seem to only get an automated system.

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 2019-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: TN

Complaint narrative:
Repetitively told the person at XXXX IC System that XXXX XXXX does not have this number, yet they keep calling

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 2019-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After corresponding with Transunion credit bureau on numerous occasions, in regards to them providing me with any validating documents to support the validity of the XXXX XXXX account that the company is reporting on my credit report, to date I have not received any validating documents. 
I thus have made repeated requests to Transunion to remove the XXXX XXXX account from my credit report. 
To date, Transunion continues reporting the collection account on my credit report in violation of The Fair Credit Reporting Act regulations.

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 2019-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
MERCHANTS AND PROFES Last reported XX/XX/XXXX {$340.00} and XXXX $ XXXX XXXX XXXX XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 1 yrs, 1 mos ) RemarksConsumer disputes this account information Medical Original creditor nameXXXX XXXX XXXX XXXX XXXX Original creditor nameXXXX XXXX XXXX XXXX XXXX XXXX Did not give auth for medical bills to be released to 3rd party do not know who this is have not been to the hospital in XX/XX/XXXX. Violates my HIPAA information. Do not want my medical history sent out to 3rd party people. I have no Idea whos account this. It is not my account I have requested it to be removed from my credit file several occasions and still has not. 
I DO NOT OWE THIS I HAVE REQUESTED FOR IT TO BE REMOVED! 
It is 2 different amounts for same day of 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 2019-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have called several times to get on a RPP. I advised them I was not able to afford to make a RPP with late fees and other fees. I advised them if they could remove the fees from the RPP. They refused too remove the fees. I been trying to make monthly payments on the acct. After they not approving an affordable RPP my account has not gone into FCL and will not accept a pmt. They are requesting for me to RI, I advised them I don't have 6 pmts plus fees at this time. I need to see if they can take 4 payments to take me out of FCL and he said no. I can only RI account. I need the Investor information and the Attorney contact number because I am not going to lose my home. I don't have anywhere to live and I can afford my payments every month. its just hard to bring acct current.

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 monetary relief
Consumer complaint received 2019-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CADENCE BANCORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I applied for an bank account, but was told that they had to decline my application. The reason for declining my application, because my Credit report had a freeze on it. I have spent two days reaching all three credit bureaus about having a freeze on my report. All three credit bureau stated that I DONT have a security freeze. So, now I can not open any accounts, because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
MERCHANTS AND PROFES Last reported XX/XX/XXXX {$340.00} and XXXX $ XXXX XXXX XXXX XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 1 yrs, 1 mos )  RemarksConsumer disputes this account information Medical Original creditor nameXXXX XXXX XXXX XXXX XXXX Original creditor nameXXXX XXXX XXXX XXXX XXXX XXXX Did not give auth for medical bills to be released to 3rd party do not know who this is have not been to the hospital in XX/XX/XXXX. Violates my HIPAA information. Do not want my medical history sent out to 3rd party people. I have no Idea whos account this. It is not my account I have requested it to be removed from my credit file several occasions and still has not. 
I DO NOT OWE THIS I HAVE REQUESTED FOR IT TO BE REMOVED! 
It is 2 different amounts for same day of service

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation