vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I received a notice of servicing transfer from Loancare LLC for my home loan on XX/XX/XXXX and at that time I started making payments through them. Beginning XX/XX/XXXX, I started receiving notifications that I needed to obtain flood insurance for my property. I mailed, faxed and eventually directly uploaded to the Loancare website documentation of current flood insurance held by the HOA ( I live in a condo ) to no avail. The same correspondence kept getting sent. In XX/XX/XXXX I called Loancare customer service and they said that a glitch had occurred that kept my account from being updated and it was fine, the HOA insurance was sufficient and I would receive no further correspondence. 

On XX/XX/XXXX, I received an email that lender placed flood policy had been charged to my escrow account resulting in a balance of - {$530.00}. I called Loancare immediately and was notified that this was a mistake and my account would be adjusted by XX/XX/XXXX. I received a letter dated XX/XX/XXXX confirming that the lender placed insurance had been cancelled. On XX/XX/XXXX, I received a statement dated XX/XX/XXXX noting that my escrow account is now - {$700.00} ( with no explanation how ) and my monthly payments would be increased to cover the overage. I just called LoanCare LLC again and after about an hour of being bounced back and forth between their insurance department and mortgage support personnel was given no explanation of why I received this statement and an explanation that the company had not completed an " analysis '' of my loan to determine how much flood insurance I need. Please keep in mind I live in a severe drought area of central CA and it would literally take biblical proportion rain for a flood to occur here. 

This company continues to harass me with threats of forced placed lender insurance and charges my escrow account at their leisure, without any warning. At no point did they offer me the option of obtaining my own flood insurance ( which I would not need, I only need " walls-in '' coverage and my HOA carries flood insurance on the outside of the property ) and attempted to charge me over twice the normal flood premium with their lender placed insurance. I don't know if I would be even able to obtain flood insurance as I live on the 2nd floor of the unit and technically do not own the part of the building that would be affected by flood. I want LoanCare to cease their attempts to fraudulently place insurance on my loan. 

For what it's worth, LoanCare has a known history of engaging in excessive force placed insurance as evidenced by a class action settlement reached on XX/XX/XXXX. It seems that they continue to persist in this behavior despite the court ruling.

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 2019-02-25 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: NY

Complaint narrative:
On XX/XX//19 I tried to request a hard copy of my 3 credit reports from " XXXX '' and had to call 4 times due to the automated system not " understanding '' or my birth date was requested repeatedly until I had to close the call. Uncertain of whether they had the correct information, I requested to view my credit reports online which I learned never to do again. I am a victim of identity theft and due to too many personal questions when I need to make doctor 's appointments as well as the XXXX disaster I froze my credit reports. I requested to view all three bureau 's reports and was able to view XXXX 's report which was fine but when I requested to view my TransUnion report I was asked security questions one of which was ridiculous. The question was a telephone number I used with a land line for a brief time but it has been ten years since I closed my land line account and use only my cell phone from that time to the present. TransUnion refused to let me view my report on line and " alerted XXXX  to block me. When I viewed my history page I was enraged when I read " fraud alert! Fraud alert! They placed a fake fraud alert online due to one inappropriate question and there was no one to contact to correct the situation who understands XXXX English at their off time customer service number ( this was a weekend ). Today I could not get a number in the USA to speak to a fellow citizen which is outrageous. As an American citizen I truly resent a corporation who hides their phone numbers here in the states. Online all they want is to sell some service I neither want nor need-why waste time with a person they can't make money from??? This is a truly " dark '' moment for XXXX Civilization and I'm aware of it's painful demise. Trans Union was once a lovely company but now they seem to be in hiding. They need to undo any damage they caused with the fake online " fraud alert '' created by an over zealous employee! I had a similar problem with their overseas employees several years ago! they must make USA phone numbers available! No one in XXXX or XXXX who works for them would give me a USA number.I feel abused and the treatment I received was contemptible. An apology would be nice but I doubt that will happen unless I pay for it. Horrible!

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 2019-02-25 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Account was investigated by XXXX and determined the account was closed and to be removed from credit report. Credit Collection Services still report account on report effect XX/XX/19 as having an open account with a {$270.00} balance. I contacted Credit Collection who informed me that there was an error and account was being removed.

Account still appearing on report and should have never been report on credit report. Credit Collection and XXXX has caused a hardship on my closing for a home and decrease my credit score. Credit Collection stated it will take 30-60 to correct their mistake. I request for a letter to submit to loan office and they are unable to do so. Causing me to seek additional housing before closing

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
This complaint is in regards to Ocwen Loan Servicing LLC predatory billing and excessive charging practices. 


In XX/XX/2019 I requested a pay off demand and a reinstatement demand on my loan. I received a pay off demand with a balance of {$200000.00} that was good through XX/XX/2019. And a reinstatement demand that was good through the same date at {$19000.00} for the loan and {$1900.00} for other miscellaneous amounts. I immediately sent a cashiers check for the full amount owing and it was received before the good through date and confirmed as processed by Ocwen.

My next payment was not due until XX/XX/2019. So I attempted to make my payment today XX/XX/2019 and to my surprise there was a new charge to the account in the amount of {$1200.00} on top of my monthly payment.

I called Ocwen and asked what the charge was for, they said attorney fees that had just come in. I asked if these attorney fees were included in the pay off demand and reinstatement demand? There answer was no.

I asked for them to be removed and they refused. I then pointed out that if the loan had just been paid in full with the pay off demand provided good through XXXX/XXXX/19, then they would not be able to charge these fees. The answer was yes that's correct. The result of this action is predatory and Owcen is bulling me into paying extra because I reinstated the loan instead of paying it off. 


If Ocwen failed to get an accurate pay off when it was requested that is their error and negligence. Ocwen needs to be held accountable for their mistake and honor their pay off demands. Had this loan just been paid in full they would have no recourse since a pay off demand is deemed good. So why are they now charging my account more? This I feel is a standard practice of theirs and is predatory in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: NC

Complaint narrative:
I sent a letter to MRS BPO LLC on XX/XX/ 2019 ( within my 30 day window ) disputing the validity of the debt ( Acct Number XXXX ). I have yet to receive a response from the company validating the debt that is owed. In my letter that I have attached, I asked them to provide the proper documentation within 30 days and if not that they should remove from all credit reports. Nothing has been done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-25 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: Nelnet, Inc.
State: CA

Complaint narrative:
I requested to have this loan deferred due to a financial hardship I am experiencing currently and I was under the impression that the loan was under a deferment however I recently checked by credit report and there are multiple 30 day lates and 60 day lates which are greatly affecting my credit score. I am worried because even after I have contacted XXXX, XXXX and XXXX via letter to ask for a verification of late payments. The loan should have been in deferment during the time the credit bureaus are reporting the payments late. I feel this is unfair, unacceptable and inaccurate reporting which is affecting my credit score and will in the future affect my ability to get credit due to these bogus and unvalidated late payments.

To date Nelnet nor XXXX, XXXX  or XXXX have responded to my letters sent over 60 days ago asking for a validation of these late payments and the method of verification not e-oscar used as per in compliance with the Fair Credit Reporting Act regulations, FACTA, FDCPA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: United Recovery Solutions
State: OH

Complaint narrative:
There is a company by the name of XXXX XXXX XXXX that has contacted my family, my girlfriend about debt that I have no clue about. I was threatened with them coming to my job and serving me with legal papers. I then called the place and they would not tell me anything until I verified my social. They also called my parents and girlfriend and told them I have legal papers that would be served. They could not tell what the legal papers were when i asked them. I also requested they stopped calling me on XX/XX/XXXX then I received a call on XX/XX/XXXX from them with a harassing voicemail.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-25 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:
I am a victim of identity theft. I have sent in a dispute to TransUnion on XX/XX/2017 in regards to the fraudulent XXXX XXXX XXXX Auto account. I have filed a police report and contacted the FTC but the account still remains on my credit file.

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 2019-02-25 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: MI

Complaint narrative:
On several occasions ( starting around XXXX of XXXX ) I have contacted Equifax in regards to collections being fraudulently added to my credit profile. I have disputed the collections ( XXXX XXXX and XXXX and XXXX ) with Equifax and they come back verified. I have called Equifax countless times in hopes of resolving this matter but always told the information is correct. I have disputed ( on XX/XX/XXXX I sent certified letters ) with the companies ( XXXX XXXX and XXXX and XXXX ) and neither company has ever provided me with validation on said debt. Actually neither company responded to my letters. I sent out correspondence to all ( Equifax, XXXX and XXXX and XXXX XXXX ) certified mail on several occasions yet no one has confirmed said debt nor removed debt from my credit profile. I have never had any contract with neither company mentioned above, nor have they provided me with any services. On XX/XX/XXXX I sent certified letters to all parties asking for deletion of said debt, along with proof that I didn't owe anyone anything, and again no one has responded and the debt is still reporting on my credit profile as delinquent. After completing my own investigation I have supporting information that I have never had any type of services with the companies named above nor do I have any outstanding balances. This false reporting is a violation of my rights pursuant to FCRA, FDCPA. Lastly, to date ... No one has provided me validated information that this said debt is in FACT owed by me to the companies stated above. I will upload supporting information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent investigation requests to all three credit bureaus. As of today ( XX/XX/XXXX ), I have received responses from XXXX  and XXXX XXXX ; but Equifax has NOT responded yet. Its been well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I am a longtime customer of XXXX. I had all of my phone, TV and internet service with them. In XX/XX/XXXX, I received a bill for XX/XX/XXXX that was increased. I called to find out why and was told that the TV package had increased in price. I asked them if there was a promotion or discount to continue the service as-is and was told no. Not wanting to pay more for TV service, I contacted XXXX  for a quote on TV, home phone and internet access and based on the lower quote than XXXX  I decided to transfer my service to XXXX. I also contacted XXXX and transferred my cell phone service to them. I called XXXX  to transfer my cell phone # to XXXX. I subsequently ordered all services with XXXX cancelled. I returned the XXXX  router, DVR and modem to XXXX  using XXXX shipping information provided by XXXX. I thought that by returning the equipment and cancelling the services that I was done with XXXX. Unfortunately I continued to be billed for XXXX services for TV, home phone and internet, even though I had cancelled the service, returned the equipment making it impossible to access the XXXX  service, and had transferred my service to XXXX and XXXX. Today I received a threatening phone call from a collection agency claiming that I had not cancelled the XXXX services and owed @ {$500.00}. They said that a 'good consumer ' like me should not want an account in collections, and while the information had not been reported to the credit reporting agencies, that it was in my interests to resolve this by PAYING THE DISPUTED AMOUNT AND REQUESTING A REFUND FROM ATT once the dispute was resolved! This sounds ridiculous to me and is tantamount to a con. I told the collection agent that I would be contacting the CFPB to file a complaint. I really feel that large companies like XXXX make it difficult for consumers to cancel services, and even when cancelled and no services received by the consumer, continue to bill them so that XXXX  can inflate its customer base and revenues. Today I received another phone call from another debt collector for this account. Specifically, I was called by Diversified Consultants, Inc. ( DCI ), to collect {$450.00} on behalf of XXXX. DCI 's reference # for this account is XXXX. They were polite and asked that I submit a dispute on their website www.dcicollect.com, which I will do. I told them that I would be filing this complaint with the CFPB as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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: Navient Solutions, LLC.
State: NM

Complaint narrative:
I have been making monthly payments since XXXX and have proof of same. Navient is claiming that I have not made a payment since XX/XX/XXXX despite the fact that I have not missed a single payment from XXXX XXXX-present ( and have even directed Navient to apply additional funds to certain loans ). I have confirmation emails and proof of withdrawal of funds from my bank account. I have tried calling multiple times and can not connect to a representative - on three separate occasions Navient disconnected me from the call. This in unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to find out why an auto loan is still on my Equifax credit report that was paid off XX/XX/XXXX. The two companies on my Equifax report are XXXX XXXX and XXXX XXXX. I called both companies and neither has a record of the purchase made in XX/XX/XXXX and paid in full in XX/XX/XXXX. The truck was repossessed in XX/XX/XXXX but I quickly paid the past payments and regained it again. When I called Equifax ( twice ) I couldn't pass the security questions so Equifax told me to write a letter with a copy of my driver 's license and social security card which I did. Equifax sent me a copy of my credit report but no explanation as to why this loan is still on my report. So I called again today, waited 30 minutes to get a representative but I couldn't pass the security questions again so they wouldn't help me therefore I can not get any answers. I would like to know if the repossession has kept this loan on my credit report if NOT I want it removed from my report. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
SunTrust Mortgage continues to report erroneous information to the credit reporting agencies. In XX/XX/XXXX, I notified SunTrust in writing of the errors but as of XX/XX/XXXX the erroneous information is still being reported by the credit reporting agencies. SunTrust Mortgage reports that my mortgage was delinquent, in collections and then discharged in bankruptcy. This is not true and their own records submitted in XX/XX/XXXX prove that this is not true. The mortgage was always paid on time, never late and was completely paid off in XX/XX/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 2019-02-25 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:
I requested to have this loan deferred due to a financial hardship I am experiencing currently and I was under the impression that the loan was under a deferment however I recently checked by credit report and there are multiple 30 day lates and 60 day lates which are greatly affecting my credit score. I am worried because even after I have contacted XXXX, XXXX  and TransUnion via letter to ask for a verification of late payments. The loan should have been in deferment during the time the credit bureaus are reporting the payments late. I feel this is unfair, unacceptable and inaccurate reporting which is affecting my credit score and will in the future affect my ability to get credit due to these bogus and unvalidated late payments. 

To date XXXX nor XXXX, XXXX or TransUnion have responded to my letters sent over 60 days ago asking for a validation of these late payments and the method of verification not XXXX used as per in compliance with the Fair Credit Reporting Act regulations, FACTA, FDCPA 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