vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I got in touch with the better business bureau and was told that procollect the debt collection agency is not accredited also I was procollect sent me a copy of my lease I never signed a lease with them I have no idea if they are a real company I 've asked them numerous of times to please quit harrsing me  XXXX  was very rude and told me to pay them what I owe them so that they wo n't call anymore she has a very nasty attitude hangs up in your face their saying that I left the apartment complex nasty which I have pictures I 've tried to send them and they refuse to look at them I asked them to remove this off my report that I do n't owe them anything and they refuse to the apartment complex which is the   XXXX   XXXX   in  XXXX  tx I was living in and was paying rent to housing the landlord  XXXX   XXXX  was n't reporting my full payment I do n't have my receipts to show any proof anymore so she messed me and other tenantsat the   XXXX   XXXX   XXXX   over

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
My mortgage is currently serviced by  XXXX   XXXX . Prior to  XXXX , it was serviced by Bank of America, who is the current investor on the loan. Bank of America approved a loan modification prior to the servicing transfer to  XXXX   XXXX .  XXXX  never completed the loan modification and pushed the loan into a further delinquent status. Bank of America is in violation of th e National Mortgage Settlement of    XXXX  for failing to complete the modification and then transferring the servicing rights over to  XXXX . Bank of America has also breached contractual agreements by not solidifying loan modification terms.  XXXX   XXXX  has set a foreclosure sale date for  XXXX . I feel cheated and deceived by both Bank of America and  XXXX   XXXX , so I am seeking your assistance on this matter.

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 2017-06-08 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: TX

Complaint narrative:
this reporting agency refuse to send validating paperwork on on how they verified the account. XXXX XXXX account # XXXX. have not received proper documentation on properly validation the accont is mine

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
Received collection ca ll from Ocwen mort gage on  XXXX / XXXX /   2017  about my  XXXX     2017  mortgage payment. She asked me if I was able to make the payment I told her yes to do a e-check if there was no charge. She looked in system & set up draft from account & then told me there was already a payment set up in the system to come out. I asked her if she could verify the day the payment was schedule to come out of my account & she told me her system did n't show her the date. I asked if she was sure & she confirmed yes payment will come out of your account. I received a call today fro m Ocwen who advised me that  XXXX  2017 payment was not made & I told her of my last interaction with a Ocwen rep last week of  XXXX . She told me she would send info to the research department. I am sure Ocwen records their calls. All they need to do is pull the tape of the call & verify what that the rep told me payment was al ready schedule. It is not unusual for me to set up auto draft payment early in the month to come out on payroll date & get collection calls after payment has been scheduled. I need CFPB to help me get the 30 day late removed from my credit report.

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 2017-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen s ettled my conventional loan with a DIL, which I wanted, and I am no longer in procession of the house. However, I also had a home equity loan as a  XXXX  lien. We negotiated the $  XXXX  balance down to {$23000.00} of which I paid off {$11000.00} in  XXXX   XXXX . I have letters from  Ocwen st ating they would pay the remaining {$12000.00} with th e Hafa  program. T he DIL  was finalized on  XXXX   XXXX ,  XXXX . However,  Ocwen fail ed to pay off the  XXXX  lien to  XXXX  Bank. The loan was initially given to  XXXX   XXXX  and now the law firm of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  is handling it. They just contacted me have given me until the end of the month to pay the remaining balance  that Ocwen ne ver paid or they are taking me to court. I have contacted people fro m Ocwen and they say they are taking care of it and that they needed a letter from me to discuss the file with the law firm in which I provided. Because of Ocwens  history of being able to complete things on time I am worried that this will not happen before  XXXX / XXXX / XXXX . If that is the case, I plan to su e Ocwen for  whatever amount   XXXX   XXXX   takes me to court for which could be anywhere from $  XXXX  {$25000.00}.

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 2017-06-08 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SLM CORPORATION
State: LA

Complaint narrative:
My payment was due and I went online to the  Sallie Mae w ebsite to make the payment. The transaction was done on  XX/XX/17    in the amount of {$490.00}. The payment was to be deducted from my checking account on  XX/XX/17   . After making the payment I re ceived an email confirmation from Sallie Mae. A couple of weeks later, I started to receive calls from Sallie Mae. I called back and was told that my account was 62 days past due. I informed the representative that I had ma de a payment a few weeks earlier. I was told that the payment did n't process because of an error. She could not tell me what was the error or why the payment did n't go through. While on the phone with the rep, I pulled up my online banking and realized that an attempt was never made to debit the payment from my account. The rep could not explain what happened, I then inquired about credit reporting since she informed me when the call was authenticated that my account was 62 days past due. I was told that they would report to the credit bureaus a 60 day late payment for the month of  XXXX  to my credit report. I asked why would that occur since I made the payment online and there was an error on their end which caused the  payment not to process. I was told that since the payment was made online, it must have been my fault. Sallie Mae can not provide any documentation to prove that I made an error. I can not view my checking account number on their website to determine if I in fact made an error when my account nu mber was added to my online profile. They have now reported to all   XXXX    credit bureaus that I was 60 days late for the month of  XXXX . This is totally unfair to me as a consumer because I made my payment on time and I have no control of their systems and how they process payments. They can not show that I made an error. Also, How could I be 60 days late for  XXXX  when I made the second payment in  XXXX . There are only 30 days between  XXXX  and  XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
On   XXXX   XXXX   I sent a payment of {$5000.00} towards the principle to  Santander Consumer USA. The extra payment I sent was not 100 % applied to the principle. They took a percentage and applied it to the principle and the other percentage was taken for interest.   <P/> I had received statements in the past, but did not receive the statement for the month of  XXXX  from  Santander Consumer USA reflecting the {$5000.00} amount I s ent. The last statement I received was on  X/XX/2017   . This statement did not reflect that payment of {$5000.00}. I reached out on   XXXX     because I was worried they had n't received it. It was then that I was told that {$4900.00} and change was only applied to the principle and the rest was taken for interest. The rep that helped me did not know why the whole {$5000.00} was not applied to the principle. As mentioned above, they never sent me the statement reflecting this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I have not had any dealings with  XXXX   XXXX . I have not had a reason to utilize any of their services. Without any prior contact, they are reporting false information on my credit report. They have not responded to my previous request for information regarding this inappropriate reporting of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In correspondence dated  XXXX   XXXX ,    2017 I ma iled this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.   Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.

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 2017-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In correspondence dated  XXXX   XXXX ,    2017 I maile d this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.   Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.

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 2017-06-08 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted the sam e 1 page of paper work from   XXXX   XXXX   5 times since  XXXX  to remove their info from my credit report. It is for a Foreclosure.   XXXX   XXXX   has acknowledged and states in their response to me which I have sent Experian they were INCORRECT in filing the information on my cre dit history.After  submitting this to Experian and hours on the phone with them, they asked on the last submission  XXXX  I submit it vi a internet .The other s I mailed because I was unable to scan the documents until the last submission.They responded with wanting my I.D . again which I have sent at leas t 2 others ti mes on this complaint.I mailed it with a signature required  XXXX . on  XXXX . I sent m y D.L., SS  Card, and Passport. They have responded again with a refusal to remove inacurate info even thou the company who subitted it wrote a letter they made a mistake I submitted everytime.The other  XXXX  credit Bureaus have removed it the first time 6 months ago. I am now blocked off there site when I just tried to dispute this again. It seems whoever is handling this, it has become personal for some reason. Maybe they believe I wo n't take steps to try and rectify this. I was trying to buy a home. This is the only thing standing in my way. The correct information is a Deed  in Lieu for my sinkhol e home by  XXXX   XXXX   XXXX   correctly recorded  XXXX . It was purchased  XXXX  for remediation and people are living in it.   XXXX   XXXX   made the error  XXXX  .Experian nee ds to know they ca n't do this.They do n't like my attitude by now I 'm sure, but that is no excuse to play  XXXX  with someone 's credit history. I have the   XXXX   XXXX   letter, Clerk 's Office Copy of last  XXXX  when my name was taken off and signed to  XXXX . The new owner 's info  XXXX   appraiser 's of fice. I sent ALL of this everytime with my dispute. All I get is a refusal without explanation. I will be on the phone again with Experian and contacting m y State Attorne y General. PLEASE HELP ME!  XXXX   XXXX  I did attempt to download the same docs to your site fro m a flash drive but did not see anything that was apparent it did load. I can readily supply it. Please advis e me if you need it. I tried again at the end before I hit submit but could not tell It 's PDF format and I also tried WORD

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 2017-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On  XXXX   XXXX ,  2017    this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report.

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 2017-06-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: AZ

Complaint narrative:
For the last 24 months I have inquired with American Education Services ( AES ) in regards to lowering my monthly payment, applying for temporary hardship, as well as modifying my repayment plan. Prior to 24 months, my monthly payment was {$370.00} per month. This was manageable as I am a XXXX XXXX XXXX  Over the course of the past two years my loan payment has increased to {$480.00}, {$570.00} and now is {$890.00} per month. I have requested a temporary forebarnce as I am a full time XXXX student, and have been denied. I have missed payments and have requested assitance, and have been denied. AES has sent my account to collections in which payments collected were not applied to all of my loans in which six of my loans are now in default. AES collection agencies are aggressive and intimidating. I have continued to manage paying my monthly installment even if it is past due with little success. There is no support or assistance available to debtors from AES or its associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On  XXXX   XXXX ,  2017    this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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: CITIBANK, N.A.
State: VA

Complaint narrative:
Dear CFPB : This is a complaint against  Citibank for its hyper-aggressive marketing practices. Several months ago, when I applied for and was accepted for a Citibank credit card, I certainly did not expect the company would soon bombard with weekly direct mail ( not e-mail, but U.S. postal mail ) marketing offers. I want this to stop for a number of reasonsranging from junk mail cluttering my mailbox, to running the risk someone could steal my mail and open a credit card under my name, to protecting and respecting the environment. But no matter my reason, I seek the CFPBs assistance in helping me to bring Citibank to cease and desi st its out-of-control marketing practices.     See attachment for the most recent exa mple of Citibank 's ma rketing bombardment.

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 2017-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On  XXXX   XXXX ,  2017    this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: WI

Complaint narrative:
I have student loans that are under an income based repayment plan and public service loan forgiveness, serviced by Fedloan Servicing. My annual income based repayment plan had been updating annually for the month of XX/XX/XXXX, until this year. Recertification of my income information was previously required between the end of XX/XX/XXXX and the beginning of XX/XX/XXXXannually. This year the repayments dates had been changed and I was told by a Fedloan representative, there was a mistake with their system that recalculated my income after 11 months instead of the 12 month repayment period during 2016. He noted that I did not request an immediate recalculation of my income in 2016 when I submitted my annual recertification. As a result of these errors, my account was updated too early and I now have a bill on my account for more than 3 times the amount that I should owe. I have spoken with the representative from Fedloan servicing numerous times, spent hours on the phone and have asked for supervisors on several occasions, I also sent an email to them and have not received a phone call or email response from a supervisor. This issue has been going on for weeks and initially I was told there was no problem. Being charged 3 times the amount is a problem. Fedloan servicing has made a significant error and this issue requires prompt attention, for which the response has been inadequate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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: BB&T CORPORATION
State: VA

Complaint narrative:
This is a small town bank who is abusing their authority and returning my checks for irregular signature out of spite even tho they have been contacted and know the checks are authorized

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