vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
My account with National Credit Adjusters was paid in full. ( See attached ). The loan was a payday loan from The XXXX XXXX XXXX {$1300.00}. It is showing closed and with a XXXX  balance from the attachment from XXXX XXXX that was reported by XXXX. It is still showing in collections from XXXX XXXX, XXXX, XXXX, and XXXX. I called the ( 3 ) credit bureaus to have them to remove it, but the representative told me that I need to provide them a letter from the creditor showing that it should be removed or deleted from collections. I mailed the ( 3 ) credit bureaus the paid in full letter. I would like help of removing it from collections on all ( 3 ) credit reports. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
On XX/XX/XXXX Ocwen Loan Service was paid $ XXXX XXXX by by XXXX XXXX XXXX ( ck # XXXX, They were instruceted to send to me, XXXX XXXX a letter of Release of Lien. When I went to remortgage the house in order to get ex-wife removed from mortgage, it was discovered that I had never received the release from ocwen Loan. 
I made tow phone calls to Ocwen customer service in XX/XX/XXXX to no avail. I have sent two letters to Ocwen, registered mail on XX/XX/XXXX and XX/XX/XXXX. Both were reeived and siggned for. They have not had the curtosy of even acknowledging that they received the request for ( A ) Release of Lien or ( B ) a copy of origial letter, if they sent one. I am informed that this is a viloation of both State and Federal Law ; I have no way of sending you the documentation electronically as I do not have a scanner. 
All I am looking for is some sort of documentation so that I can proceed to remortgage the house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: NY

Complaint narrative:
I called and spoke w/XXXX  just now on XX/XX/XXXX at XXXX to pay {$110.00} on XX/XX/XXXX. The bill I received indicated payment was due on XX/XX/XXXX ; however ; when I advised XXXX  that I could pay on the XX/XX/XXXX, he said that would be fine. I mentioned the XX/XX/XXXX at least 3 times during our recorded conversation. As soon as I hung up with XXXX, I was notified by my bank, via text, that the payment had posted immediately. I called back to escalate and spoke with XXXX who said he would have to review the recording and this would take 24 hours and return of funds would take 4-5 days. I asked him to get XXXX on the phone since I had just hung up with him and he said he could not. I asked to speak to a manager and XXXX said he was the manager and would not allow me to speak to anyone else. If this call was truly on a recorded line, you will hear me say the XX/XX/XXXXat least three times during the conversation with 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 2020-02-21 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: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX After recieving my sworn testimony ( Affidavit ) XXXX XXXX XXXX notified me in writing ( attachment ) that they have opened an investigation and are awaiting documents from the Original creditor. This could take up to 90 days. During the process of this investigation, this account should not be reporting on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: VW Credit
State: NY

Complaint narrative:
on XX/XX/XXXX, I was able to obtain a lease contract with Volkswagen USA " account number XXXX ''. It was a 3 year, XXXX mile lease. I usual, I paid my bill on time, and in accordance with the terms, and conditions of the lease. I have been leasing vehicles from VW from years, and I was never late once. This time was no difference. I paid the vehicle in full, as I was making the payments online, through their website. On XX/XX/XXXX, I made the final 2 payments, and soon thereafter the account appeared as paid, and closed. Within 30 days, the status of the full 3 year payment appeared on my credit report, and the account status changed to paid as agreed, never late, and closed. 
I returned the vehicle onetime, and with only XXXX miles on the clock. The car was in perfect condition, without any damages, or scratches to it. Within months after returning the car, and received a call from VW Credit charging me {$800.00} for wear a tear, which include a GPS SIM card, that I was never given at the deanship when I bough the car, and that I put it on notice when picking up the car at the dealership. After some bickering VW Credit called the dealer, and verified my statement, so they remove that charge from the bill, after that, I received another bill from a rim scratch that, it was not there, at the dealer when I returned the car. The dealer reviewed, and provided me with a paper stated that everything was fine, and that the car was returned without any issues. Furthermore, 15 days later, I got a call from VW Credit again telling me that, I owe them a small portion of the lease payment, when in fact, I did not, since I was paying off the account through their website, with a set amount on established by VW credit. To the fact that, after I made the last payment, it changed to paid in full, and it was reported on my credit report, as paid. I explained to them, that it the account was already paid, and closed that I dont owe them any money, but they are adamant to continue the harassment towards me. Somehow, after all this issues, they managed to changed the total amount owed from being {$0.00} on the website, to {$470.00}. I am also certain that they tried to change it on my credit report, but they were not able as according to section 623, of the FCRA, creditors are required to report accurate accounts. Therefore, against the law to change information that has already been reported as " paid in closed, and NEVER LATE '' I have received phone calls at XXXX from time to time from disrespectful VW representatives demanding {$470.00} payment from me after explaining to them, that the account appear to as paid, and closed on my credit report. I have attached 2 pictures taken from my XXXX  credit monitoring service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
I was trying to obtain a loan and my credit got checked. That's when I found out that this company XXXX XXXX XXXX is charging me with {$950.00} and it has been transferred to United Revenue Corp a collection agency. I have tried calling them no response. This is hurting my credit score and I really don't know what else to do. I have found other people with my same name. I always use my full name with my initial. This company has the same name but with no initial. I want this problem to be solved.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: AZ

Complaint narrative:
in XX/XX/XXXX I paid to cardinals financial theamount of {$5500.00} due to payments missing. After that month I been paying the monthly payments. On XX/XX/XXXX I was notified that my loan again was in process for foreclouse. I contact their deparment and i was informed that my loan only was missing XX/XX/XXXXand XX/XX/XXXX payment. I contacted their law fim XXXX XXXX XXXX and they send me reinstament quote for the amount of {$9100.00} per their statement I am behing 666  payments which does not make sense. Their refuse to give me a history of payment starting from XX/XX/XXXX to now to see how and what payments are missing. I was told by this law firm that I have to pay this, but why if I dont own them this amount. the loan # XXXX with Cardinals fiancial ( XXXX ). their aw firm is XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX | XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, GA XXXX Fax : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One # XXXX is reporting a charge off with a balance to my credit that should not be on there. I have already settled this account and they are still reporting a balance and will not update. This is a violation and I want it updated or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
Got a XXXX Credit Alert that I had an account added to collections. Upon looking at my report, I noted that I had an account in collections with Sequium Asset Solutions. I called them immediately and spoke with their representative. They were unable to look up any account using my phone number, we tried my SSN and tracked down an account to a XXXX XXXX service address in North Carolina. I have never lived there, I have lived in California for the last 30 years. XXXX then made me call XXXX who can not track down any account in my name or by using my SSN. XXXX then directed me back to the collection agency, Sequium Asset Solutions, and they have not been able to help me any further. I am being sent back and forth between these two companies for an error I did not make and they have offered no solution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: EQUIFAX, INC.
State: DE

Complaint narrative:
Equifax Continues to report an alleged account that should have been removed. XXXX, has responded to my sworn testimony ( Affidavit ) and placed the responsibility on the credit bureaus.XXXX   as well as XXXX  have removed this item from my credit report. Equifax, in turn has updated this alleged account to show a XXXX  balance instead of removing it from my profile.They need to show how this alleged account can not be valid but remain on my credit report to do harm to my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: UT

Complaint narrative:
XXXX  XXXX # XXXX is reporting a charge off with a balance to my credit that should not be on there. I have already settled this account and they are still reporting a balance and will not update. This is a violation and I want it updated or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX  XXXX # XXXX is reporting a charge off with a balance to my credit that should not be on there. I have already settled this account and they are still reporting a balance and will not update. This is a violation and I want it updated or removed.

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 2020-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a charge off with a balance to my credit that should not be on there. I have already settled this account and they are still reporting a balance and will not update. This is a violation and I want it updated or removed.

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 2020-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I was a victim of fraud/identity theft. I discovered that someone open a checking & credit card account with XXXX. I contacted them on several occasions with they didnt request my police report or any information. They stated they will put the account in a dispute process. A week later they are saying the information was verified. I spoke with them on today XX/XX/2020 & said the account and information is fraud and they are investigating and will notify me within 30 Days. 

I contact Early Warning to have this information removed & it came back verified. I sent in another dispute claim and they did not submit it to XXXX. I was informed that it was the same information as last time. 

No one is doing their job and you cant speak to anyone with any knowledge or sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
XXXX XXXX  sold my loan to XXXX XXXX after I paid off the account and caused major issues from adding two loans to my credit reports so I disputed the errors and received a letter from a XXXX attached here. Now both of the mortgage companies submitted to IRS tax 1098 forms showing $ XXXX. I have left several messages for XXXX at the number on the letter however the buy never returns calls. It's been over a month ago.Additionally, Loancare lied to me saying they mailed my original escrow refund, which never arrived, so I reported the check lost and Loancare stopped payment on the check, then mailed me the original stopped payment check in XXXX when this check was alleged mailed as the law states escrow refunds must be refunded. Loancare continues to lie to me. The right hand does not know what the left hand is doing.

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 2020-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
My credit card company wants to text me a security code, but it it to an old phone number that I no longer have, and have not had for a few months. The credit card company said they got the number from the credit reporting companies. I was able to talk to XXXX  and they deny that they have any phone numbers on file for me. I was unable to get to a live person at Experian or 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 non-monetary relief
Consumer complaint received 2020-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I am writing to formally complain about the numerous errors that have occurred in processing of my requested {$1000.00} payment that should have gone directly into my loans escrow account to offset a portion of my escrow shortage. 

On Thursday XX/XX/2020 I contacted Citizens One Customer Service and directed the customer service representative to process a {$1000.00} payment directly to my escrow account to paydown a negative escrow balance according to my recent escrow analysis. I was informed that this transaction had to be done by a customer representative and could not be done on-line by myself. I normally make all of my mortgage payment online. 

The Customer Service Rep put me on hold several times while she conferred with her Supervisor on how to process the transaction. I was assured no less than 4 times that my {$1000.00} payment would be applied to my escrow account. 

The next day a withdrawal of {$1500.00} was posted against my XXXX Checking Account causing an overdraft and a subsequent {$37.00} over-draft fee on my account. The payment was posted in error as a regular mortgage payment, which was not due until XX/XX/2020. The majority of the payment was applied to interest. I went to my bank that day, where I again contacted Citizens One Home Loans and spoke to Customer Service Rep XXXX, who apologized for the error, instructed me to send a fax verifying the charge on my bank account to fax number:XXXX, and that she would have the error corrected by reversing the unauthorized payment. The error was not corrected. 

I have made countless follow up calls ( no less than 6 ) and still have not resolves the issue. Citizens One Home Loans then instructed me that they would move money from my prior months ( XXXX ) payment to apply to my escrow, the use the {$1500.00} payment made in error to cover the prior months ( XXXX ) payment and use any overpayment towards principal?!!!? 

I should not have to negotiate where to direct moneys already paid in my account towards where the bank wants to place them. 

To resolve this matter : I am requesting that the {$1500.00} unauthorized withdrawal from my XXXX Checking Account be reversed and that the {$37.00} overdraft charge on my XXXX Checking account be reimbursed. 

I am requesting that my original transaction of the {$1000.00} payment directly into my loans escrow account be processes. Any over-payment resulting from these transactions should be posted into my escrow account, not principal or interest. I also request a re-evaluation of my escrow account for 2020 be conducted after XX/XX/2020. 

Cordially, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
am having trouble trying to get verified with my Citi Bank Credit Card everytime i call customer service they are giving me a a hard time trying to verify the phone number register on my account and Citi Bank Place a restriction on my Credit Card due because of this issue and i cant use my account or use my credit card with citi bank and i paid {$200.00} Dollars to open this secured card with citi bank and i dont understand why citi bank is giving me a hard time and no letting me use my card and my account for verification purposes and i really should not be having this problem please help me with this problem

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 2020-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I was notified by my current mortgage lender, XXXX XXXX XXXX, that my mortgage was to be sold to BSI Financial Services effective XX/XX/XXXX. 
On XX/XX/XXXX I received a copy of the billing notice from my insurer for my homeowners policy with the total amount due, due date of XX/XX/XXXX and notification that the bill was sent to : BSI Financial Services Inc, XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 
On XX/XX/XXXX I received a notice from my home insurer, XXXX XXXX XXXX XXXX XXXX XXXX., stating that due to non-payment of my homeowners policy my policy will expire on XX/XX/XXXX. 
I promptly contacted BSI Services customer support line ( XXXX ) and was told they never received a bill and that it was my job to notify my insurance company that my mortgage had been sold with the new contact information. The customer service rep continued by saying that this was stated in the notification letter I received from XXXX on XX/XX/XXXX. This is not factual and I shared that information with the BSI Financial representative. She ignored my rebuttal and provided me with the number for the BSI Insurance division and said I need to give that info to my insurer. 
I contacted my insurer on XX/XX/XXXX and gave them the info to contact BSI Insurance Division. 
On XX/XX/XXXX I received a call from my insurer stating that BSI Insurance Division was unable to find my account. I proceed to call BSI Insurance ( XXXX ) and was also told that they had no record of my account and that I needed to speak with BSI Customer Service! 
I immediately contacted BSI Customer Service who found my account and said that it might take 30-60 days for their Insurance Division to receive account information from a sale. They suggested sending the original bill in the mail to BSI ( which was already completed on XX/XX/XXXX ). 
Im at a total loss as to how this company is allowed to stay in business. They had {$2000.00} in my mortgage escrow as of XX/XX/XXXX, {$680.00} more than enough to pay for my homeowners insurance that they are responsible for paying. 
I implore you to hold this company accountable for their sloppy, inaccurate and inefficient processes.

Company response to consumer: Closed with explanation