vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
Modification involvin g Ocwen and HAMP ; Submitted HAMP ap plication for Streamline Modification to  Ocwen Financial.  This initial package included at least one component of the Initial Package was faxed on  XXXX . Our Attorney submitted a request per the guideline in the Making Home Affordable Program Handbook for Servicers of Non-GSE Mortgages, Version  5.0  As if  XX/XX/XXXX  XXXX    XXXX   XXXX   XXXX  , Pg  71,   Borrowers in Bankruptcy.   Borrowers in active Chapter  XXXX  or Chapter  XXXX  bankruptcy cases are eligible for  HAMP  at the servicers discretion in accordance with investor guidelines, but servicers are not required to solicit these borrowers proactively for HAMP. Notwithstanding the foregoing, such borrowers must be considered for  HAMP  if the borrower, borrowers counsel or bankruptcy trustee submits a request to the Servicer.   In   XXXX   and because of the Chapter  XXXX  we were denied access to any workout with Ocwen. They refused to talk to me or transfer my calls, I was never instructed to submit a Attorne y Consent Letter  and was not advised that they did not have  one  on file.    Ocwen  has not given us clear information about the application other than it is in underwriting. We have been calling and contacting by email but  Ocwen  but there has not been cooperation in the past. Their attorney for   XXXX   XXXX   is involved in the process and insisted we give us Bankruptcy protections in order to have application for Modification processed.   Ocwen has improperly calculated our loan balances, we do not know if there are any misapplied borrower payments because we still have not received a statement. We do not know if the account balance is accurate amounts owed and information regarding how payments were received and applied.   We were not offered any   XXXX   Mortgage settlement offer for workout or modification. We did not and still have not received any statements. We wanted a modification in   XXXX  .   They left our loan sit our there so with no workout options and now threaten Foreclosure when we are nearly done with a 5 year Chapter  XXXX  plan. They are asking the Chapter  XXXX  case be dismissed.    Escrow  Account Mismanagement. The CFPB alleges that Ocwen mismanaged the our escrow account. They failed to correctly process escrow and insurance payments. We paid direct to the Insurance and they are still billing us in the escrow total. Escrow statement notates " FHA '' our loan is not an FHA.   We do not know what the Trustee payments were applied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Reverse Mortgage Solutions, Inc.
State: TX

Complaint narrative:
In 2016 in XXXX I found that due to circumstances beyond my control that I would be unable to pay the county taxes. Being in a Reverse Mortgage situation, I knew that this was part of the contract and before it became critical I called Reverse Mortgage Solutions ( RMS ) to get advice. While on the phone I was told no problem that they would pay the remainder of my taxes that week. For me this was a big relief since I knew that I was going to be on a long road with the medical issues I was/am still having. <P/>The taxes were not paid until the end ofXX/XX/XXXX of XXXX. The next thing I know I am put on notice that I must pay back the borrowed money or I could lose my home. <P/>I went through a legal aide at a local University. Thanks to two other resources they paid RMS back. <P/>My complaint is this RMS never would put you through to a supervisor and the communication was difficult. Every person you spoke with gave a slight difference in what was going on with my case. <P/>When RMS paid the taxes part of that money was from the last draw I had. They are now charging me an interest fee and administrative fees. <P/>My financial counselor tried talking to a person on the phone and got nowhere and then asked for a supervisor to call and to date no response. <P/>RMS through this whole process has been difficult to work with. Some examples telling us to talk to a certain person and that person never materializes. Sending back checks that were to pay them for they had to come in on the same day. Miscommunication on verbal and written statements, such as you have a draw you do not have a draw and my signature does not match. <P/>I would appreciate you looking into this matter so I can get closure. I will be enclosing the last statement and the one that shows I had a draw. <P/>I am going to be in a very difficult situation come XXXX and the taxes for I am going back in the hospital and do not know what to do as far as my RM. <P/>RMS charged fees in the amount of {$790.00} for inspections and appraisal that will need to be paid eventually. They are telling me they had no choice due to HUD regulations but to move quickly on the inspection and appraisal once they paid my taxes. However, they never communicated clearly that by paying my taxes my loan would go into default. I never would have asked them to pay the taxes if I knew this would happen. I do not feel I should have to pay these fees. <P/>Additionally, I now have a negative " Net Principal Limit '' which they can not clearly define what this means for me and I would like clarity around this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
On XX/XX/XXXX,2017 Midland Funding added to my credit report for {$680.00} for unpaid credit card that already exists on my CreditReport for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: KY

Complaint narrative:
I paid this debt and the debt collector promised that once I paid the debt they would remove the item from my credit report. They did not honor the agreement and only updated it as paid

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: MN

Complaint narrative:
I initiated a transfer through Western Union on XXXX XXXX. I was never given a MTCN to give to the recipient of the money. I called to get a MTCN and was given the incorrect number on XXXX XXXX. When it was discovered that it was the wrong MTCN, it was too late to send the money to the person. I was then offered a refund and was given a new MTCN to use to pick up my refund. I then went with my ID and new MTCN to 4 different Western Union locations to try to receive my refund. I was turned away at each location and was told that I had to call Western Union to figure it out and that they could not find my transaction. When I called Western Union back they said that everything was fine and that I just needed to go pick it up. Seems like theft to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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: AL

Complaint narrative:
I NOTICE ON MY CREDIT REPORT XXXX XXXX NEVADA ADDRESS AND I NEVER LIVED IN XXXX XXXX NEVADA.  I DO HAVE FAMILY IN XXXX XXXX NEVADA AND A RELATIVE THAT NAME IS VERY SIMILAR TO MINE. I PROVIDED THE CREDIT BUREAUS WITH 17 YEARS OF ALABAMA STATE ISSUED DRIVERS LICENSE AND I SENT OVER TO CREDIT REPORTING AGENCY TO SHOW THEM THAT I HAVE BEEN IN ALABAMA ALL MY LIFE AND THIS IS NOT MY DEBT. AND THEY STILL WANT CORRECT OFF MY CREDIT REPORTS ALL 3 XXXX  XXXX, TRANSUNION. THERE WAS A CHAPTER XXXX, VEHICLE, LOAN, REALTY COMPANY CHAPTER XXXX BANKPRUTCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ARE NOT MY DEBT. NEVER LIVED IN XXXX XXXX NEVADA. PLEASE ASSIST

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 2017-05-31 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: AL

Complaint narrative:
I NOTICE ON MY CREDIT REPORT   XXXX   XXXX   NEVADA ADDRESS AND I NEVER LIVED IN   XXXX   XXXX   NEVADA. I DO HAVE FAMILY IN   XXXX   XXXX   NEVADA AND A RELATIVE THAT NAME IS VERY SIMILAR TO MINE. I PROVIDED THE CREDIT BUREAUS WITH 17 YEARS OF ALABAMA  STATE I SSUED DRIVERS LICENSE AND I SENT OVER TO CREDIT REPORTING AGENCY TO SHOW THEM THAT I HAVE BEEN IN ALABAMA ALL MY LIFE AND THIS IS NOT MY DEBT. AND THEY STILL WANT CORRECT OFF MY CREDIT REPORTS ALL   XXXX    XXXX , EQUIFAX,  XXXX . THERE WAS A CHAPTER  XXXX , VEHICLE, LOAN, REALTY COMPANY CHAPTER  XXXX  BANKPRUTCY   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX    THESE ARE NOT MY DEBT. NEVER LIVED IN   XXXX   XXXX   NEVADA.   PLEASE ASSIST

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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: KY

Complaint narrative:
There is a withdrawn  Federal tax li en still showing on my report that was withdrawn i n   XXXX   XXXX   2017.  On multiple occasions I have disputed this with Equifax, providing Equifax with copies of the IRS withdrawl form ( which I will also attach here for you ). I have also verified with   XXXX   XXXX  , KY that the lien withdrawal has been recorded. Equifax continues to improperly report the lien and refuses to recognize the withdrawal.  XXXX  removed the lien from my credit report immediately and  XXXX  is investigating

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: CO

Complaint narrative:
I have a loan with Conn 's. My payment is due on the XXXX of each month. I have told the company repeatedly that payment will be made by the end of each month, to coincide with my payday. The company has refused to change the due date for my payment, and this is the best I can do. Payment has been made before the cut off for late fee each month. Despite communicating with the company regarding my payment, they continue to call each and every month repeatedly from several different phone numbers, as well as send text messages, and emails. I have asked that they not contact me more than once a day. The contacts made in XXXX are as follows. I can pull records for prior months, if needed. X/XX/2017 @ XXXX XXXX - I received an email about my payment BEFORE payment was due on X/XX/2017 X/XX/2017 - I received two emails at XXXX XXXX  and XXXX XXXX, as well as 3 calls from phone number XXXX. Calls were at XXXX XXXX, XXXX XXXX, and XXXX XXXX I answered the call at XXXX XXXX and asked that calls stop and let them know payment would be made by X/XX/2017. X/XX/2017 - I received 4 calls from phone number XXXX. Calls were at XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX X/XX/2017 - I received an email at XXXX XXXX, a text message at XXXX XXXX, and 3 calls from phone number XXXX. Calls were at XXXX XXXX, XXXX XXXX, and XXXX XXXX X/XX/2017 - I received a text message at XXXX XXXX and 5 calls from phone number XXXX. Calls were at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX X/XX/2017 - I received 3 calls from phone number XXXX. Calls were at XXXX XXXX, XXXX XXXX, and XXXX XXXX X/XX/2017 - I received an email at XXXX XXXX, a text message at XXXX XXXX, and 6 calls from phone number XXXX. Calls were at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX X/XX/2017 - I received 4 calls from phone number XXXX.Calls were at XXXX XXXX., XXXX XXXX, XXXX XXXX, and XXXX XXXX. X/XX/2017 - I made payment at XXXX XXXX I received a call from phone number XXXX at XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-31 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I submitted a complaint  XXXX  against Chexsystems on     XXXX  17     Regarding an issue with  XXXX  being reported on my Chexsystems report. Chexsystems came back and said the issue was investigated and found to be factual.  <P/> I also have a complaint into   XXXX   XXXX   Regarding this matter also submitted on     XXXX    XXXX   XXXX  says they need more time and still ca n't pull up the information being reported to Chexsystems and need more time as of today   XX/XX/ 17   . I have Phoned   XXXX   XXXX    Directly How is it  that   XXXX   XXXX   Can not confirm this information to CFPB and me as of today 's date, however, Chexsystems has it all confirmed. and  XXXX  was able to give them the full information regarding my issue?  <P/> I believe Chexsystems is in Violation of the law and did not investigate the issue and just spit out an answer.

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 2017-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I had a visa credit card with Navy Federal Credit Union since  XXXX .  <P/> I rarely used the card, but paid interest on the balanc e (  card limit was {$1000.00}, and the balance was around {$200.00}  ) . I paid off the balance last week, and suddenly, the account was closed.  <P/> When I inquired what happened to the account, I was told that the account was closed in  XXXX . I was not notified of this, and had continued paying interest on the account, thinking that it was still opened.  <P/> I sent them a letter requesting that the account be reopened, since I paid interest all of this time, but they insist I apply for a new card. I feel like if they closed the account without my knowledge, and I 've paid regular credit card interest on the balance for the last 3 years, they either should reopen the account as per the previous terms, or they should refund all of my interest payments since  XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HW Holding, Inc
State: CO

Complaint narrative:
This issue arose  in 2013 and I have my attorney contact this company for reporting this on my report without informing me of this activity which is against the law. I have never gotten any notices or calls from Hunter Warfield regarding this balance and they have no record of reaching out to me either. This was all taken care of in 2013 and  now it is resurfacing again without any notice from the agency again.     Please take this off my report as this issue has been resolved legally.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams, Rush & Associates, LLC
State: TX

Complaint narrative:
Please be advised that I am disputing this collection due to the fact that  Williams Rush & Associates   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TX  XXXX  does not currently have a valid license in Texas to collect on Debts. I searched the Texas  Secretary of State Web  sites (    XXXX   XXXX   XXXX    ) d ebt collector search and was unable to locate a bond on file.   since I was unable to pull up the information online I called  X/XX/ 17   to confirm if in fact they were bonded in Texas to collect debts and was informed by the Lady on the phone that they collect in all  XXXX  states but she was unable to provide a bond number for Texas or even in fact confirmed that they are even bonded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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: CA

Complaint narrative:
I have fil ed two disp utes to update the following informati on one  on  X/X/17    and one on  X/XX/17    - nothing has been done. Please see below as this is the information that was sent to the bureaus.  <P/> The following account needs to be UPDATED AND CORRECTED : Creditor Name :  XXXX  Account Number :  XXXX  The account being reported on my credit report is inaccurate contains inconsistencies and is misleading ; Reports are stating multiple inconsistencies that need to be addressed and corrected.    XXXX  bureaus are reporting  an Open statu s, while while the other is reporting as derogatory, this is inaccurate this mortgage is  OPEN and ne eds to be reflected as such. My monthly mortgage payment is incorrect on all three reports and should reflect a monthly payment amount of {$1900.00}.  XXXX  bureau is reporting no term which should reflect 360 months. The payment status is incorrect on Experian and should show a payment status of current. The dates being reported as last active are all inconsistent.   This is a current mortgage and the dates need to be reflected, this mortgage should be in a positive status and all of my on time payments and information need to be UPDATED. Due to the inconsistencies and multiple errors being reported this account must be UPDATED immediately. You are currently violating the fair credit reporting act by reporting multiple errors and inconsistencies. You are violating my rights granted to me under the ( FCRA, FDCPA, etc ) Each error needs to be corrected and updated or I will be reaching out to the FDCPA for violating my rights.

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 2017-05-31 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: CA

Complaint narrative:
I have file d two di sputes to update the following information one on  X/X/  17 an d one on   XXXX   17 - not hing has been done. Please see below as this is the information that was sent to the bureaus.  <P/> The following account needs to be UPDATED AND CORRECTED : Creditor Name :   XXXX   Account Number :  XXXX  The account being reported on my credit report is inaccurate contains inconsistencies and is misleading ; Reports are stating multiple inconsistencies that need to be addressed and corrected.    XXXX  bureaus are reporting a n Open sta tus, while while the other is reporting as derogatory, this is inaccurate this mortgage is  OPEN and needs to be reflected as such. My monthly mortgage payment is incorrect on all  XXXX  reports and should reflect a monthly payment amount of {$1900.00}.  XXXX  bureau is re porting no term which should reflect 360 months. The payment status is incorrect on   XXXX   and should show a payment status of current. The dates being reported as last active are all inconsistent.   This is a current mortgage and the dates need to be reflected, this mortgage should be in a positive status and all of my on time payments and information need to be UPDATED. Due to the inconsistencies and multiple errors being reported this account must be UPDATED immediately. You are currently violating the fair credit reporting act by reporting multiple errors and inconsistencies. You are violating my rights granted to me under the ( FCRA, FDCPA, etc ) Each error needs to be corrected and updated or I will be reaching out to the FDCPA for violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
In  XXXX , I applied for a  Bar Loan t hrough  XXXX  know  Navient. I r eceived the loan in the amount of {$15000.00}. Later in  XXXX , I paid a lump sum in the amount of {$5000.00}. Afterwards, I made reduced payments under the reduced payment and interest plan for about 3 years. According to the billing statement received  XX/XX/XXXX , I owe {$14000.00}.  <P/> Also, at the latter part o f  XX/XX/XXXX , I s poke with representatives to re-certify for the reduced payment and interest plan. I was informed by multiple representatives that I did not qualify. However, in  XXXX  the automatic payments for the reduced payment and interest plan were still being deducted from my bank account in the amount of {$130.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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: FL

Complaint narrative:
On XXXX XXXX, 2017, I filed a dispute with Equifax ( XXXX ) in regards to my credit inquiries. I submitted my police report ( XXXX ), and they are refusing to remove the inquiries I did not authorized. They are repeatedly telling me to contact the creditor, and when I call the creditor they tell me they have no record of my name in their database. I spoke to someone from Equifax fraud department on X/XX/2017.

Company response to consumer: Closed with explanation