vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
My bank sent an automatic payment to the XXXX address on XX/XX/XXXX. Although you received it you returned it to me uncashed in XXXX Specialized counted it as a late payment and charged me a late fee. 
In late XXXX, I spoke with your customer service agent XXXX # XXXX and she agreed to drop the late fee of approximately {$45.00} in exchange for immediate payment, which I made that day. 
When the same late fee showed up on the next statement, I called and spoke with XXXX, who confirmed that XXXX had dropped the late fee but the system failed to record it and promised to drop it. 
Since then, I have been receiving statements that include late fees of varying amounts. Just one payment was late and thats the one both XXXX and XXXX agreed to waive. 
In XXXX, my bank sent an automatic payment of {$1000.00} short a legitimate {$3.00} increase for escrowed taxes. When I realized it, I combined the shortage with the most recent version of the late fee and sent a separate, clearly annotated check to pay {$52.00} to make up for the escrow increase and to pay the late fee I was told I dont owe so it would stop spiraling. 
Since XXXX, Specialized has included late fee charges of {$44.00}, {$41.00}, {$42.00} and {$41.00} in statements, when only one payment was late and that fee was waived twice by your staff. And I sent at least {$45.00} in the {$52.00} check to cover that spiral. The check was cashed on XX/XX/XXXX, see attached. 
I want a refund not a credit. And I want my statement to reflect the accurate monthly payment.

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 2019-02-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
As XX/XX/XXXX mortage company sent me overage payment from escrow which was about {$4000.00}. I called to ask why and got the run around. After that the payment went up. As of XXXX XXXX i was sent another check of overage about {$150.00}. Did not try to contact mortage company because of the first attempt to at calling.After recieving check the house payment went up for the second time. As of XXXX XXXX I was still sent another overage of {$150.00} and payment will go up in XXXX about from {$1700.00} to {$1700.00}! Last check that was sent i am sending back to escrow to be applied to escrow. As of XXXX. Keep in mind this is a F.H.A. fixed rate loan! I have never had a loan go up like this for a fixed rate loan. convental or f.h.a. loan. Keep in mind the starting loan amount was {$1600.00} and has repeatly went up since the loan was inatiated. There should be no reason or explaination for the loan amount to go up!!! If they can not maintain this loan i will be forced to go into foreclosier because i am on XXXX right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 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: FL

Complaint narrative:
I have disputed both accounts XXXX XXXX XXXX # XXXX and XXXX/XXXX  # XXXX with the credit bureau several times, the last time was in XXXX  of 2018/XXXX  of 2018. Each time the credit bureau investigation concluded that the accounts has been updated/verified. I mailed both XXXX and XXXX/XXXX certified letters. I never received a response from XXXX, XXXX/XXXX response stated that they sold the account to XXXX XXXX XXXX, XXXX and if I have any questions to contact them. XXXX XXXX XXXX, XXXX tried to sue me and XXXX XXXX XXXX, XXXX voluntary dismissed the case. Maybe I am misunderstanding but if the creditors could not provide me with proof of the debt, how can the credit bureaus state that the accounts have been updated/verified.

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 2019-02-10 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: Franklin Collection Service, Inc.
State: TN

Complaint narrative:
Incorrect reporting of debt. Insurance at the time paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 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: Ad Astra Recovery Services Inc
State: TN

Complaint narrative:
Incorrect reporting of debt. Insurance at the time paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX, I executed a promissory note in the original principal amount of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX dollars ( {$180000.00} ) to purchase my homestead. The current holder of the said promissory note is OCWEN Loan Servicing, LLC to whom I am making monthly payments. I applied for Loan Modification as pursuant of the Government Home Affordable Program and eventually OCWEN Loan Servicing called on XX/XX/XXXX, that my monthly payments went higher than when was originated. I, along with my husband, who is now XXXX, have been attempted to modify our loan through OCWEN Loan Servicing and I will attach soon communication evidences in between us and OCWEN Loan Servicing. On XX/XX/XXXX, OCWEN Loan Servicing sent Opportunity for Appeal and I responded on XX/XX/XXXX as the Opportunity for Appeal for Loan Modification. On XX/XX/XXXX, OCWEN Loan Servicing responded that application is currently COMPLETE, as of XX/XX/XXXX, they were not requiring any additional documents from us. While OCWEN seemingly trying to modify my loan, at the same time, OCWEN Loan Servicing are trying to foreclose on my property. I wish to return to my home but OCWEN Loan Servicing were continuously threatened us to foreclose my home and my family left for fear with OCWEN Loan Servicing 's Agents were trespassing into my house by intimidation, while simultaneously working with my mortgage modification ( called " dual tracking '' ) to allow myself to avail the Federal Affordable Loan Modification, but OCWEN Loan Servicing continuously sending notice to foreclose us. We were terrified and worried as they forced us to leave. It is my assertion that OCWEN Loan Servicing have not dealt with us ; as borrowers in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
XXXX XXXX states that repayment begins on XX/XX/2019. I am under a different plan. This means I don't  begin payments until well after graduation. I am enrolled full time ( more than half time ) in an XXXX   program. Currently, I have over 3 classes enrolled at school which comes to an additional 15-20k for this semester. XXXX XXXX is not displaying that I maintain a loan for this amount but also is displaying numerous loans that they require payment while I'm enrolled in school. 
Besides this, they are displaying negative information on my credit reports, XXXX XXXX XXXX and XXXX. I would greatly appreciate that they adjust their credit reporting to not only reflect the fact that I am in school but that I have positive standing with them. Unfortunately I will have to report this to department of education. To be clear, my University did everything on their end so there is no issue with financial aid department. XXXX XXXX has been irresponsible in their handling of my loans. Also, i am unemployed at the moment and have had no income for many years. They are not displaying the proper repayment plan of income based repayment. I never signed up for whatever my status is now. They make it impossible to deal with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
BAC has charged me a fee for a " retuned check ''. I've tried to check my BAC online payment activity from which the attempted payment was made. Each time I go to the " payment activity '' button in my account I'm locked out of the info. I called BAC customer service and XXXX was glad to accept my telephone payment but a fee like that was hard to reverse. The transaction was an ACH and not a returned check. When I said I couldn't get into the payment activity screen she said to call technical service. I called them today and they said I had to talk to customer service to find out why I'm locked out. 
BAC sent me a letter saying they had closed my account but XXXX said no, it's open.

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 2019-02-10 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: MO

Complaint narrative:
I graduated in XXXX. 
In XX/XX/XXXX, I applied for Public Service Loan Forgiveness ( PSLF ) with XXXX XXXX because I have made on time, qualified payments for at least 9 years, and I have been working for qualifying employer. 
I received a letter from XXXX XXXX indicating they received my application and supporting documents. The letter also states that XXXX will contact XXXX, the prior servicer about my student loans, and my loan will transfer to XXXX servicing for evaluation, my automatic payment amount and the due date will not change. 
In XX/XX/XXXX, I received a letter from XXXX stating that my loan transferred and it included the total amount of loans and my monthly payment. I noticed my payment is increased and no mention of the status of PSLF. 
I contacted XXXX multiple times via email inquiring if I am qualified for PSLF or not, and the reason why my monthly payment was increased. XXXX never responded or explained the status my eligibility for the program. 
In XX/XX/XXXX, I contacted my general attorney to investigate and help me receive a response. 
In XX/XX/XXXX, I received a vague and misleading response from Fedloan  servicing stating that " you made XXXX qualifying payments '' because my qualifying payments were disqualified in XX/XX/XXXX and the increased monthly payment is to help me pay off my student loans in time. 
I again requested additional information of the reason why my qualified loans were disqualified in XX/XX/XXXX ( When I consolidated my loans ). XXXX responded that it was disqualified because I took a type of loan called " Parents Loans ''. However, all my loans were Sub and Unsub Direct Stafford loans. 
I then requested more information about the reason why it was concluded I made XXXX qualifying payments after I made qualified payments for at least 8 years or more. 
I also requested if I am indeed not qualified for PSLF, I have no reason to keep my loans with XXXX  XXXX. Therefore, I would like a refund of the extra monthly payments and transfer my loans back to XXXX or other servicer. No response received. 
In XX/XX/XXXX, I requested my general attorney to file a lawsuit against XXXX  XXXX for increasing my monthly payment without my authorization and for failing to transfer my loan back to XXXX after multiple attempts. 
I am waiting to hear a response from my attorney general or XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 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: FL

Complaint narrative:
I have disputed both accounts XXXX XXXX XXXX # XXXX and XXXX/XXXX # XXXX with the credit bureau several times,  the last time was in XX/XX/2018/XX/XX/2018. Each time the credit bureau investigation concluded that the accounts has been updated/verified. I mailed both XXXX and XXXX/XXXX certified letters. I never received a response from XXXX, XXXX/XXXX response stated that they sold the account to XXXX XXXX XXXX, XXXX and if I have any questions to contact them. XXXX XXXX XXXX, XXXX tried to sue me and XXXX XXXX XXXX, XXXX voluntary dismissed the case. Maybe I am misunderstanding but if the creditors could not provide me with proof of the debt, how can the credit bureaus state that the accounts have been updated/verified.

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 2019-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I have sent multiple letter to XXXX, XXXX  and also to Midland Funding who say i owe them which i do not have any type of contract or agreement to pay them. I have tried to get them to verify the debt, but they could not do it and XXXX  and XXXX  say it is true, but XXXX has taken it off since they were not able to verify it. And i have sent them certificated letters tiring to verify it but the would not send it or i would have to call multiple times to get them to send me something which they was not going to if i didn't talk to a manager there. Also the amount that they say i owe them is different than what is on the credit reports. Along side that they did not send me any contracts they sent me a copy of a bill that is not mine since it is not made out to me unfortunately I am a XXXX and XXXX XXXX is my father who has passed away.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: GA

Complaint narrative:
I took out a Payday installment loan in XX/XX/2018. Then I was planning to pay for it in full. The acquired loan was {$3300.00}. My daughter got sick and needs care multiple states away. I didnt realize until after I signed and my wife was like oh my gosh you just agreed to pay them over {$13000.00}. I challenged her and said no I didnt. It was then I didnt realize the entire thing and what I signed up for. Coming from the state of Georgia where PayDay loans are illegal. I read the loop hole that says only loans of {$3000.00} was government governing the interest rate to I believe 29.9 %. That made me realize why XXXX only gave a loan of XXXX us to put us in this never ending, taken advantage of, etc.. I the consumer knew after reading up that I finally realized they stuck me with a 350 % interest rate for 12 months paying over {$10000.00} in interest at almost {$1000.00} a month. It breaks my heart how people are getting taken advantage of from a Payday loan company hiding within that said company. Would them doing a means test save the unfortunate like me who tripped up on the company wording? Ive notified them repeatedly through email as of now that is my only form of communication. Their getting back to me is horrendous. They dont answer my email ever except for begging them to and then all I ever get if what can we do to help.I always respond to them and once again lack of, or no communication. I have every single email with that company. I filed a complaint to XXXX  and was sent an email from the XXXX  stating they didnt even answer their communication reach out. I never thought I was signing up for a {$3300.00} loan costing me over {$13000.00} in 12 months. I would never have ever. Thats almost my house payment each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 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: GA

Complaint narrative:
in XXXX of 2017, the dean of the school called me into to the office to do exiting paper work. she told me that i would have the lowest plan. She also told me interest would not be high. They have brought mey credit score down XXXX points over misinformation I was gived i calle student loan services, I am in deferment, but they have yet to move incorrect pass due dates.

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 2019-02-10 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: GA

Complaint narrative:
in XX/XX/XXXX, the dean of the school called me into to the office to do exiting paper work. she told me that i would have the lowest plan. She also told me interest would not be high. They have brought mey credit score down 200 points over misinformation I was gived i calle student loan services, I am in deferment, but they have yet to move incorrect pass due dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I have a loan that is being serviced by Ditech Mortgage, loan # XXXX. I've been trying to resolve an issue I found since XX/XX/2018 to no avail. A reallocation occurred in my account where {$9000.00} was debited from my principal, {$3200.00} from interest and {$2900.00} from escrow. I do not see any reason why this occurred. I need an explanation of this reallocation that I do not agree with. I always pay additional towards my principal to pay down my loan. I've been given the roundabout to no understanding of what they did. Please kindly assist me in this situation. I have my home under contract for sale and need to resolve so I am paid in full all the money I have put into my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 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: Ocwen Financial Corporation
State: TX

Complaint narrative:
My credit report contains an mortgage account from Ocwen / XXXX XXXX  which I have contacted Ocwen and they confirmed is NOT mine. However, they will not inform the credit agency of this, despite me escalating and providing them the information. 

I have also contacted the credit agencies multiple times on this, and it continues to remain on my account, without explanation or evidence that the account belongs to me. 

This is extremely upsetting and frustrating. This is inhibiting my ability to purchase a home. 

Thank you for all your help.

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 2019-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: NJ

Complaint narrative:
I began receiving multiple phone calls on my cell phone from a masked phone number on XX/XX/2018. When I finally answered one of the calls, the individual speaking said she was a representative of Phoenix Financial. She asked my name, which I confirmed, but when I asked what business she was calling in reference to, she hung up on me. On the same date, I called the number back from my work line and spoke with someone who was very unprofessional. He didn't provide any information regarding a debt because he stated he didn't recognize the number I was calling from. When I asked if his business practices involved calling from masked numbers and hanging up on people, he replied " Absolutely. '' I was taken aback by this response and before I could ask that he not call again, he hung up on me. Since XX/XX/18 I have received numerous phone calls on a daily basis from masked numbers that I refuse to answer. I received two letters from Phoenix Financial, dated XX/XX/2018, referencing alleged medical debt. The amount of {$1700.00} with the original creditor XXXX XXXX XXXX is disputed, as my insurance company has covered a large portion of this debt. The second alleged debt is completely disputed. Due to Phoenix Financial 's extremely poor reputation, I immediately contacted them in writing to ask for proof of ownership of either debt which they have not responded to. Today, I checked my credit report and for the first time both debts have been listed by Phoenix Financial Services. I am disputing this debt through XXXX and am making a formal complaint against Phoenix Financial Services for their failure to disclose proof of debt, harassing phone calls where they provide no information and simply hang up without stating the purpose for the call, and for listing two disputed debts on my credit report without substantiation.

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