vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
On XX/XX/XXXX we received a mortgage payment bill but immediately saw it was a different company and a significant higher monthly payment. We contacted the new company PHH Mortgage - XXXX and requested clarification on what's happening with our increase mortgage cost since we are on a 30 year fixed. they proceeded to tell me the prior company had sent a financial review of the mortgage and the information sent indicated a significantly higher escrow amount ( annual tax and escrow acct balance ) than what I had just stated. They sent me a copy, within a week, of what the other company XXXX - XXXX had sent to them regarding our mortgage and they had significantly and fradulently quoted that our taxes were {$7200.00} when in actuality our taxes to be paid in 2021 are only {$5400.00} with the 1st install was paid on XXXX XX/XX/2021 of {$3500.00} by XXXX leaving only {$1800.00} due XXXX XXXX. As the result the new company Immediately began overcharging us {$1400.00} versus {$1100.00} with the prior company. At no time were we notified, by XXXX or any changes to our mortgage until we filed a complaint with XXXX and on XX/XX/2021 someone called to say that had sent us an update but couldn't document when or send us a copy. Our escrow needs to revised immediately and XXXX needs to be held accountable for fraudulent business practises. We have sent to PHH all the valid escrow tax and insurance date directly from XXXX COUNTY Illinois for the last 5 year period which document the actual taxes listed above. We have spoken to PHH over 5 times, sent all appropriate and requested documents, fax confirmations and this is still not taken care of. Since we have no recourse other than hiring an attorney ( too expensive ) we are placing our trust in your organization to hold one of both parties accountable. Since all the documents are hard copy I would be happy to fax, priority mail any and all copies that have been sent to PHH. Thank you in advance for yourhelp and consideration with this outrageous matter! 

Sincerely, XXXX XXXX XXXX XXXX...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have been trying to update my personal information with Experian since XXXX, They refuse to update my name and address and employer. Every time I call the reps on the phone get smart and very rude instead of doing their jobs, they refuse to even give me the update of my dispute and simply say ... they are updated. I cant verify online and mail has not been sent. can i sue this company?? This is a huge inconvenience, I even ask multiple times for a supervisor and they refuse to transfer me, XXXX with XXXX Team that works with Experian. I spoke to him twice on XX/XX/2021 between XXXX and XXXX and he was the worse ever. Very rude unprofessional and simply expressed his opinions instead of giving me results of my disputes and updating my information I have been requesting for months. I have sent recent utility bills with current address, valid dl and my ss card. NO HELP. PLEASE HELP ME at this point I fell i have no choice but to contact my attorney. Which isn't fair to have to pay for something I should be able to rightfully do for free legally.

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 2021-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I received a letter from Jefferson Capital dated XX/XX/21 stating I owe a debt in the amount of {$680.00} w/ a description of " XXXX MC '' and a settle offer for {$370.00}. The issue is I have no knowledge of such debt. It states due to the age of debt they are not allowed to sue me but I don't want any damage to my credit either. I didn't have any accounts owing anything. Please provide a copy of any contract I signed or please refrain from attempting to collect amounts from me. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I do not recall receiving the release of lien holder interest letter from COAF after paying off the loan during XX/XX/2021. I have attempted many times to simply request a duplicate be sent but have been unable to speak with a live person at COAF. COAF claims they update the DMV via electronic methods however as of XX/XX/2021, I received a letter today ( XX/XX/2021 ) from the Nevada DMV declining a copy of the title as the DMV 's records still indicate COAF as the lien holder still present.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hello, My name is XXXX XXXX and I am writing this as an appeal to my claim that was denied and to aid Chase in the investigation of the fraudulent use of my debit card. In XXXX of this year my card was hacked and I was robbed of XXXX dollars. I was made aware of this when Chase declined my card and I had to call in. I was told that my card was declined because someone was using it at the same time. They closed the card and I was issued a new card. We went through the transactions and I identified the many transactions that were fraudulent. Chase returned the money and began an investigation. Now months later they reversed it and denied my claim. I called to ask why because I know these transactions are not mine, and no one is giving me any information. I know these transactions are not mine because I have never been to any of those places. I am new to the XXXX area, I do not have a car and I do everything within my area. I see a name on some of those transactions listed XXXX XXXX I have no idea who that is. Also many of these transactions were used using a digital wallet on an XXXX  and I have never used or owned an XXXX. I have only had an android my entire life and use XXXX XXXX. One bit of information I was told was that my ip address is somehow connected to these transactions. I am not an IT specialist but I would assume that an ip address can be hacked, especially because I was told my card was closed because someone was using it at the same time. I recently filled out a police report because I want whoever did this to me to be held accountable and I want answers. I have called Chase numerous times to get answers and no one is telling me anything. I am deeply saddened as I have been banking with Chase for over 15 years and I trusted this institution to keep my money safe. I am honestly afraid to bank with them any longer and am considering closing my account. It is sad that I would rather go to a check cashing place than to put my money in the bank. I keep getting vague and different answers from different people. I would like to see the notes on this case so I can get some clarity and I want my claim to be reopened. I did not do this, I work hard for my income and saved because I am a contracted XXXX  and did not work this summer. I have rent and bills to pay just like anyone else and to do this to a loyal customer especially during a pandemic is reprehensible. Should I be seeking legal counsel? Please I need help, I need answers. Thank you Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FMA Alliance, Ltd.
State: KY

Complaint narrative:
Called my employer 3 times in 2 hours

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the account completely from my Credit Reports : XXXX - XXXX Balance Owed : {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: GA

Complaint narrative:
Im reaching out bemuse I was that I need to contact you all because there is some items on my credit I dont know nothing about. I have tried to call and write every one of them and Im not getting anywhere with them. Its like a circus show. I doing this by myself and really could use some help with this. These items need to come off my credit and given to whoever they belongs to. I was trying to refinance my house and this is really holding me up. The items are XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX. XXXX XXXX XXXX. There are also some bankruptcys showing on my credit and this is what really caught my attention because I have never filed babkruptcy. I have also attached correspondance from XXXX XXXX and states the Bankruptcy records have been deleted from their public records files.

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 2021-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc.
State: CA

Complaint narrative:
Sofi. Has put a hold and lock on two accounts, I opened .I was told that the reason is due to a investigation ongoing, but when this account was open I had problems with my funds and purchases being made from the account with out my approval or knowledge. There was a complaint I made they said that I put in the wrong address and the first set of checks were being used by online purchases. I did not put in the wrong address. The representative called me after I ordered the first checks his name was XXXX. He asked for all my information then hung up I called back and some other representative said there is no way I spoke to a man that worked for sofi they are not allowed to give a name. I explained the caller Identification said sofi the lady said that she would call back. Any how my account was compromised, then before they called back another purchase was made for XXXX at XXXX I called sofi again they said there is nothing they can do it looks like a good purchase I returned said maybe its a mistake from XXXX XXXX  used to make a purchase on a site I was browsing but I checked and Ive never visited the site before, I again got on the phone said how is it possible that you dont have the means to put back what you lost that I had trusted sofi with. I was in mid explaining when the person said I can put another order of checks for you. I said ok. And they shunned me .hung up and that was when I last spoke to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Aqua Finance, Inc.
State: MN

Complaint narrative:
Aqua finance never attempted to pull my XX/XX/ automatic payment and therefore caused me to be reported to credit as late. Their customer service has accepted blame and acknowledged that they messed up and still have not removed or adjusted the reports. I have recordings of multiple conversations of them admitting fault and telling me they will have a credit specialist fix the issue yet they have never taken action. Now they are giving me the runaround saying they go by fair credit reporting standards and follow all guidelines so they cant fix anything. They claim because they tried calling me that they did their job. None of this makes sense. I want the reports removed from my credit as Ive been promised by multiple senior staff members

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/ Capital One credit card reported to XXXX that I was 30 days past due for {$15.00}. My credit score dropped 43 points 7 days before closing on my house. My statement closing date is the XXXX of each month and I have autopay. Reported inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Hello, I have reached out to SunTrust Mortgage numerous times without success. I have called them numerous time to drop the PMI off our loan but they never do. Our home loan is well under the 25 % for PMI and they refuse to remove it from our loan. Every time I contact the bank they advise us that that have no record of our call or they are still looking into the matter and to call back in a week or so. Unfortunately this has gone on way to long and if you could help us it would be greatly appreciated.

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 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been using Experian to fix my credit and I have some major concerns. There report isnt as accurate at XXXX or XXXX. I have 7 accounts which have been paid on time without any issues which their own reports reflects. All 7 are current with no lates in last 2 years. My 4 % credit utilization went to 0. I have no collections, and XXXX removed a bankruptcy that isnt mine and its taking an act of Congress to get them to remove it. I followed everything they asked me to do for 2 years and my credit score dropped 23 points this month and the only thing changed was an account which they said I owed {$45.00} which I paid off in XXXX was corrected by them. There has been no negative information on my credit for 2 years but they still want me to keep paying this {$25.00} per month to fix it but even following their advise is not getting results. This makes no sense and when you get someone on the phone they cant explain it. I want the exact reason why it dropped 23 points in XXXX with 2 years of nothing negative.

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 2021-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
I received a letter yesterday from XXXX XXXX stating that they were canceling my Homeowners policy due to a lack of payment. Freedom Mortgage purchased my mortgage from the previous administrator including processing of the escrow account. 

During the trasfer process I received multiple assurances that everything would transfer over and take no action on my part. They have collected my escrow payment every month and I am make every payment in full and on time. 

When I called I was put on hold repeatedly and bounced from representative to representative before being connected to a XXXX XXXX in the insurance department She refused to provide her full name. She repeatedly mentioned some other insurance company that I have never heard of and how I could pay that policy instead. Eventually I convinced her to reach out to XXXX, she still repeatedly mentioned this other company and how I could overnight pay them from the escrow or pay them out of my own pocket. I feel like they were pressuring me to take on their own affiliated product. I was told that now my policy with XXXX had been cancelled. 

Now I dont even know if I have a valid homeowners insurance policy or if they have just taken my money.

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 2021-10-13 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: OH

Complaint narrative:
This is unfair and unacceptable. I have sent multiple letters to all 3 credit bureaus but never did I receive any correspondence. I have been asking for proof that these negative accounts in my credit report is reported truthfully yet nothing has come to light and provide me with copies of any documentation associated with these accounts bearing my signature and authorizing an inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: World Acceptance Corporation
State: MO

Complaint narrative:
XXXX XXXX XXXX sold a debt ( I DID NOT OWE ) to World Finance Corporation. I was never contacted by mail or phone by XXXX XXXX XXXX or World Finance Corporation regarding this debt. 

When I contacted XXXX XXXX about this debt, I advised them, I never had this loan with their company and I did not take out a loan with their company. I advised them this had to be the result of fraudulent activity. 

After additional research I was able to identify that XXXX XXXX was under investigation by CFPB for unfair practices who subsequently had a consent order put in place and my concern was one of the identified unfair practices. I disclosed this to XXXX XXXX who advised me they are not reporting information regarding this debt on my credit report. 

I would like to reiterate, I was never contacted by mail or phone by XXXX XXXX XXXX or World Finance Corporation regarding this debt. 

XXXX XXXX inadvertently sold a debt to World Finance that I DID NOT OWE... 

Any loan in my name during those dates are fraudulent. 

I have attempted to resolve this with World Finance and I have not been successful with them. Instead they continue to furnish false information on my credit report about an account that is not mine. My rights have been violated by this company as they did not contact me before placing this debt on my credit report. They are also intentionally hurting my credit as well by providing additional false information. ALL information supplied to the credit bureau is false

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Outstanding on time payments and final payoff to card was XXXX. Due date was XXXX and money arrived 12 hours later. Late fee charged on XXXX for {$29.00} then another late fee charged on XXXX even though the balance was paid of XXXX. They state they can not waive both late fees. I find it appalling on a holiday weekend they charge a late fee for receiving a final payoff hours after the due date. Unacceptable on their part to take {$60.00} from me that is not owed to them.

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 2021-10-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: FREEDOM FINANCIAL NETWORK
State: TX

Complaint narrative:
TO WHOM IT MAY CONCERN I AM SENDING THIS MESSAGE BECAUSE I WAS NOT SATISFIED WITH YOU GUYS SERVICE. I SENT YOU GUYS ALL MY {$850.00} WHICH WAS MY RENT MONEY AND NOW MY FAMILY HAS NO WHERE TO LIVE I REQUESTED REFUND ON FRIDAY XX/XX/2021. THE PERSON WHO WAS TO RESOLVE THE MATTER HUNG THE PHONE WHILE TALKING TO ME SEVERAL TIMES. I KNOW YOU GUYS ARE NOT OPEN TO SEND MY {$850.00} TO ME TODAY SO I AM DEMANDING THAT THIS REFUND TAKES PLACE EARLY TUESDAY MORNING SO THAT I CAN PAY MY RENT. DIRECT DEPOSIT THE MONEY ASAP. 


ANGRY CUSTOMER XXXX XXXX I WILL NOT CALL YOU THE ONLY THING I NEED IS MY MONEY!!!!!! 


XXXX WAS THE PERSON WHO TOLD ME THAT HE WOULD REFUND MY MONEY ON FRIDAY XX/XX/2021!!!!! {$850.00} AND XXXX XXXX PROMISED ME {$1400.00} NEED AN ANSWER ASAP

Company response to consumer: Closed with explanation