vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
My mortgage was recently bought out and transferred to PHH mortgage on XX/XX/XXXX. My property taxes were due XX/XX/XXXX and when I contacted their customer service to make sure with the transfer and everything they were paid - they stated yes Im all paid up for XX/XX/XXXX taxes. According to their records next payment is not due till XX/XX/XXXX. Next comes a surplus check from an escrow analysis done XX/XX/XXXX saying I have an overage in my account. Its clear to me they havent made any payment for XX/XX/XXXX, so I called XXXX county treasurer and sure enough no payment, they stated that a certified letter is being mailed and there is a penalty added to it of XXXX. I then reached back out to mortgage company and they gave me a fax number to submit the bill along with a letter of service error. I have submitted these documents to them on XX/XX/XXXX. I have checked my account online as of XX/XX/XXXX looks like they made a payment to county tax but when I call they just state the facts of what I already see. I have contacted treasure office but they havent received payment yet. Its very frustrating because I cant seem to get a straight answer from their customer service. They are reading off a script and keep putting me on hold to try to get more information but then state everything I already know. They should be able to provide me with more specifics as when the payment is mailed out when they expect it to get there? Are you covering the late fees. This should all be well documented. At this point I am in limbo waiting to make sure XXXX county receives the payment. Im concerned that there will be a tax lien put on my property due to this companies failure to do its job with my escrow. Please advise if any further information is needed Im looking forward to this being resolved as soon as possible,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
I received a letter from Loancare on XX/XX/2019 that my mortgage was two months past due for a total amount of {$1300.00}. However, I have made all payments on time and have cancelled checks to prove it. This has happened 8 times in the past only for them to locate the on-time payments and cancelled checks. Quite frankly I am sick of dealing with this on a repeat basis. It is beginning to feel like harassment based on incompetence. I simply want to be treated accurately and fairly from this point forward. I have attached the copies of the letter they sent me ( in error ) and copies of cancelled checks.

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 2019-10-22 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: TN

Complaint narrative:
Experian is reporting incorrectly that I am ( 30 ) days late on the XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and closed and should be reporting a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be reporting accurately. I have contacted the bureau to fix this however, I have not been successful.

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 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
I received a call today from a XXXX XXXX at Phoenix Financial Services about an old medical bill. At first he sounded like he wanted to help and let me know that I owe somewhere around {$430.00} for a bill from 4 years ago. He offered to settle it today for somewhere around {$250.00}. I told him that I would not make a payment today and he said " You don't have to pay the whole thing today, how about half? '' I stated that I was not interested in settling the account at this time and his response was " I understand but I am confused what you mean. '' I said " I am not going to settle this right now for that amount, what are you confused about. '' He responded with " Sir, this is your bill that you have avoided for 4 years so I'm confused about your lack of character. '' Who is XXXX to determine my character after a 1 minute conversation. I responded and said " That isn't the correct way to collect or get someone to pay. '' He said " Quite frankly I don't care, you have avoided this bill for 4 years and now you want to dictate how much to pay. '' Then hung up on me. I want this company to cease communication with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have called numerous times, because they have been calling to get money back. Being a XXXX, all my money goes to bills. I've asked for a different way of paying back the money, but all they said was Forbarence. I was asking for different programs that I have heard about but nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received an email that my information had been breached with XXXX XX/XX/2019. I clicked on the link in the email that was provided : XXXX XXXX XXXX to check my records. When I checked my last name and last 6 of  social, I received this message : Based on the information you provided, our records indicate your personal information was impacted by this incident. My credit has been impacted with inquires and accounts I did not authorize and had any knowledge of. XXXX confirmed that during the data breach my personal information was exposed.

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 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I received an email that my information had been breached with XXXX XX/XX/2019. I clicked on the link in the email that was provided : XXXX XXXX XXXX to check my records. When I checked my last name and last 6 of social, I received this message : Based on the information you provided, our records indicate your personal information was impacted by this incident. My credit has been impacted with inquires and accounts I did not authorize and had any knowledge of. XXXX confirmed that during the data breach my personal information was exposed.

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 2019-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
This company has sent me a bill for {$210.00}. I am disputing this debt with the original creditor. I request that this company do not contact me anymore. This debt is not mines and I don't owe any balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Accounts that are incorrect are reporting on my credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22 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: EQUIFAX, INC.
State: MI

Complaint narrative:
This account was paid in full XX/XX/2019. Yet it was reported to Equifax as an unpaid account after XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: FL

Complaint narrative:
Accounts that are incorrect are reporting on my credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc.
State: NY

Complaint narrative:
I do not owe this debt and its not on my credit report. 2. I do not have a contract with this company. 3. They repeatedly call me everyday and leave voicemails. On XX/XX/XXXX and XX/XX/XXXX are the latest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Strategic Alliances, Inc.
State: IL

Complaint narrative:
I have been receiving repeating calls from this company. On Monday XX/XX/2019 @ XXXX. I advised the representative not to call my phone number, she told me if I didnt verify my identity she will continue, I told she would be breaking the law. At XXXX XXXX, I received another call from another representative. I also told this representative not to call my cell phone number again and the fact they contact me 2x after I said not to call was harassment. XX/XX/2019 at XXXX I received another phone XXXX XXXX at XXXX, I received another phone call. Ive had 2 XXXX XXXX XXXX   in XX/XX/XXXX/XX/XX/2019 and is no position to become upset or harassed. I have any documents and doctors who support this. As a person I have been harassed and also been violated. Ive asked them several times not to contact my cellphone number and they continue to contact me. Its been so many FDCPA violations made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
LCA Collections in XXXX GA combined two bills with different dates of service XX/XX/18 and XX/XX/18 in the amount of {$45.00} each which were turned over on XX/XX/18 and combined the two in order to collect {$90.00} and that is how it is reporting on my credit report. Please investigate this improper collection practice due to the fact anything {$50.00} and below should not report to credit bureaus. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Experian has previously removed this account on my credit report when it came from other collection agencies, as they have been unable to provide verification of the debt and rarely send the notice. However, it continuously finds its way back into my credit report under a new collection agency. XXXX  XXXX XXXX, XXXX has now put this debt on my credit report. Below is a summary of the specific debt from my complaint against the company. 

On XX/XX/19, XXXX responded to a complaint of a collection on my report. XXXX claims to have sent a validation notice on XX/XX/XXXX, however, it was not received. As the general counsel, XXXX XXXX, knows, the right to dispute this debt under 809 ( a ) ( 3 ) of the Fair Debt Collection Practices Act, the right to dispute does not begin until after I am in receipt of this notice, which I still am not. Like general counsel states that the company has contacted XXXX XXXX XXXX about this alleged debt, however, almost one month after his response on XX/XX/19, I have received neither an initial notice in the mail not verification of the debt to prove I owe it, which XXXX offered to provide upon receipt from XXXX XXXX XXXX. XXXX clarifies that my name is not mentioned in the report, has a different address, and does not provide either, however will not remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I have called 3 times and unsubscribed from being sent convenience checks and I am still getting them in the mail. They are not wanted and are putting my credit status and identity at risk without my permission. Citibank has failed to stop sending the checks for over 1 year.

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 2019-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV FUNDING LLC PLACED A COLLECTION ACCOUNT ON MY CREDIT FILE WITH THE OPEN DATE OF XX/XX/2019 {$600.00} BALANCE THAT WAS WITH XXXX XXXX XXXX. I'VE BEEN A VICTIM OF IDENTITY THEFT AND HAD GOTTEN THIS ACCOUNT REMOVED BUT I GUESS IT WAS SOLD TO THEM AND IT IS NOT MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: NY

Complaint narrative:
Inaccurate information reporting on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: CO

Complaint narrative:
In XX/XX/2019 I opened a new mortgage with Guaranteed Rate Affinity, which was later transferred to Guaranteed Rate. 

I received my first billing statement, dated XX/XX/2019, for XX/XX/XXXX, for the amount of {$1600.00}. The company address was listed as XXXX XXXX XXXX XXXX XXXX, IL XXXX. I paid this amount over the phone ( XXXX ) and received a receipt for the payment on XX/XX/2019. I received my second billing statement, dated XX/XX/2019, for XX/XX/XXXX, for the amount of {$1600.00}, which I paid over the phone and received a receipt for on XX/XX/2019. Same company address, same phone number. This second billing statement showed a new loan number, and also reflected my previous payment. 

On XX/XX/2019 I received a third billing statement dated XX/XX/2019 and debt collection notice. The company address was listed as XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX. The third statement said my account was delinquent and overdue by {$3200.00}. It also referenced yet another new loan number. All billing statements were titled as originating from Guaranteed Rate. 

On Thursday morning, XX/XX/2019, I called the number on the third billing statement ( XXXX ) and was transferred to their debt collections department. The person on the phone indicated that they were a sub-servicer and had just received the mortgage with no prior payment information, and that my account was delinquent {$3200.00}. I was asked to fax over " Source of Receipt '' documents from my bank showing the payments, which I did Thursday night. 

I also contacted the original loan officer at Guaranteed Rate Affinity and emailed her all billing statements and receipts. On Saturday, XX/XX/2019, that loan officer said she forwarded the information to a manger in her servicing department. 

On XX/XX/2019, I called the phone number from the third billing statement and was immediately connected with the debt collections department. The person on the phone confirmed receipt of the Source of Receipt documents via fax, and said she forwarded the documents to her research department. She still showed my account as delinquent by {$3200.00}. While on the phone, I made a third payment for the month of XX/XX/XXXX, for the amount of {$1600.00}. I was then transferred to customer service representative. This representative told me that they would look into the matter, but it may take some time to apply the prior payments to my account. She said that the payment I just made was applied as a XX/XX/XXXX payment. She also said that unless I made another payment by XX/XX/XXXX to cover for XX/XX/XXXX, late payment remarks would be published to the credit bureaus. 

Over the last few days, I've received daily letters of threats of foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: EarnUp Inc.
State: MD

Complaint narrative:
My mortgage is with XXXX. My payments were being made by Equity Accelerator Program paying early each month. XXXX was the provider of EAP to XXXX. Evidently, XXXX was sold to XXXX. On XX/XX/2019, XXXX transferred the files and told XXXX that XXXX said I was bankrupt and to terminate the processes. XXXX did and did not pay XXXX any longer. I have received no communication from anyone on this. I was going to open a checking account at XXXX today and noticed that my mortgage had not been paid. I called and they said that XXXX  will not pay them and have terminated me to bankruptcy, which I am not in since the mortgage holder would know. After much pain, I was able to get a mortgage verification letter sent to XXXX  so they can restart my payments. However, I had to make a complete payment, pay late fees, and have now late payments that will be on my credit file and payment history. 

XXXX was negligent with the files transfer and XXXX  was also negligent by not actually reading the date of the data and contacting the mortgage company to verify the sack of errant files that were delivered. 

What can be done? I have now marks on my credit report and had to pay fees for something that was done to me. No one will give me the records although they are about me and my finances. I thought that I am entitled to all records about myself. 

I am beyond upset and should have something done to remove the late payment recorded on me to the credit bureaus and filed to remove when a manual mortgage is run. XXXX must have been really evil and XXXX   doesn't really read what they are given or even contact the person. XXXX did not let me know they were changing services. 

I can provide only the mortgage verification from XXXX as the rest of the businesses refuse to provide written or electronic data. They say that they only the computers transferred the files and were processed. Evidently, XXXX  did not use a human review process to read, only accept checked fields of bad records.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MT

Complaint narrative:
A company, Mr. Cooper, bought my loan from my original bank, XXXX XXXX XXXX. As soon as my loan was transferred I began receiving a relentless stream of marketing emails and phone calls. I have asked Mr. Cooper to stop calling me with marketing calls, they have not complied with my request and subsequently I have had to block their phone number. This is problematic, since, if there is a legitimate issue it will be difficult for them to get ahold of me. Furthermore, I receive daily emails, also attempting to sell me something, usually a refinance. I have an online account to monitor my mortgage, unfortunately there is no way to opt out of marketing emails. I am very frustrated by Mr. Cooper 's unrelenting efforts to sell me additional products, I make my payments on time, I've never missed a payment. I need them to stop harassing me. As it currently stands if they have a legitimate issue with my loan, I won't know about it because their phone calls and emails will get lost in the flood of marketing.

Company response to consumer: Closed with explanation