vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Recovco Mortgage Management, LLC
State: AZ

Complaint narrative:
RECOVCO Aside from the entire loan process with RECOVCO being disorganized and last minute with, their unrealistic last minute requirements ( Audited and signed business accounts and statements ), or the failure to complete a product 1 weeks from the close date. Underwriting would not approve the load which was easily pre-qualified for. They changed the loan to another type of loan ( using my personal Business bank Statements ) which hikes up my interest rate 1.4 points to 6.37 % - costing me over $ 1000/mo in payments. I feel that was predatory lending and I had to just take it or risk losing the house altogether I received my XXXX for for tax purposes yesterday XX/XX/XXXX. Luckily With my personal and businesses taxes ( due XX/XX/XXXX ) I filed an extension with the IRS. The cost savings with this late XXXX with mortgage deductions and deductible points, my tax liability was reduced by nearly {$5000.00}. I understand that it is law that all tax forms must be mailed out by XX/XX/XXXX. I can not help but feel that RECOVCO, out of some sort of malice or total incompetence, sent the XXXX out late. I also feel they purposely mislead me if the original loan was not going to to go through and expected all along to put my in a higher rate more costly loan. I would like to re-finance but I can not for one year. RECOVCO sold the loan the day of my close of escro. Essentially paying $ XXXX, primarily in interest for the first year to a company i feel cheated me out of that lower interest rate. 

I can attache photo of bar code on the mail, to prove the date scanned by the post office if that is required upon request, i left the envelope at home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: NY

Complaint narrative:
My lender and/or mortgage loan servicer is practicing unfairly and in dad faith. I fell behind on my mortgage due to lost in income and on XX/XX/XXXX I received notice that a Foreclosure proceeding had commenced on me with a conference date of XX/XX/XXXX. I attending and expressed my reason for failing behind and concern for the excessive fees in the amount of {$5800.00} being charge above what I owed for principal, interest, tax, which at the time was {$9900.00} - {$730.00} an unapplied balance ( I pay insurance out of pocket ). 
Fast forward a few conferences and a lot of conversations with the server XXXX my Modification application was determined complete as of XX/XX/XXXX. XX/XX/XXXX my loan was transferred from XXXX to SNSC. After numerous attempts to contact the new server on XX/XX/XXXX I receive an email from their attorney stating they had received my messages but are not interested in speaking to me and requesting additional documentation which was sent followed by an additional request on XX/XX/XXXX in which all documentation was finalized on XX/XX/XXXX. XX/XX/XXXX I received a letter from SNSC stating I was approved for a modification and should expect a packet in the mail, which I had 14 days to review and return by this time I was corresponding with the server by email. 
XX/XX/XXXX I reached out to the asset manager in reference to the letter and was informed no such thing existed and insurance information was requested of me, which I provided. I proved to her that I had indeed received the letter. 
XX/XX/XXXX I received a really brief email from another rep stating their modification terms, principal will increase from {$180000.00} to {$200000.00} interest rate will increase from 3 % to 5 % and payment will increase from {$810.00} to {$1100.00} for 480 months and requesting two good faith payments of {$810.00} before the XXXX month trial period started on XX/XX/XXXX. I made one good faith payment on XX/XX/XXXX. 
XX/XX/XXXX we had a settlement conference in which the court voiced thire concern for the interest rate hike since it was above current rates and the court advised plaintiff to comply with rates currently being offered if they needed to raise the rate, it was also directed that I receive an itemized explanation of the {$10000.00} in additional fees being charged above total mortgage payments due of {$15000.00}. 
XX/XX/XXXX after a few more emails I received their final Modification offer Initial Rate : 4.50 % for the first 24 months, Step rate will increase to 5.00 % after 24 months all other terms remained the same as last offer. These terms are unfair and have been provided to me via email with no follow up letter stating my rights or available options. I am hoping we can come to an affordable agreement where the final mortgage payment is affordable and hopefully the fees are not excessive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: MO

Complaint narrative:
I called Enhanced Recovery trying to pay off a debt. I received a email with a settlement amount. I purchased a money order for the amount I was told to make it for. I was told by the Agent to send it immediately so it could be there by XX/XX/XXXX. I did as I was instructed. The following week I called and was told by XXXX XXXX that my Money Order was denied for " Insufficient Funds ''. He said it was mailed back to me but he didnt know when. I've never recieved the Money Order back. I contacted XXXX XXXX and they said it was cashed on XX/XX/XXXX. My money order is cashed and the debt is still on my credit report. I made a copy of the Money order before I sent it. I also read the reviews about this company, and it seems they have done this to ALOT of people.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Cap 1 Auto reporting incorrectly.

Account is paid as agreed. They're reporting it as 60 days late. 
Cap 1 is reporting 12 x 30 late payments. This is incorrect.. 
XX/XX/XXXX to XX/XX/XXXX -- payments were made on time XX/XX/XXXX to XX/XX/XXXX -- -payments were made on time Missed payment was XX/XX/XXXX. This was a processing error. 
Payments were paid on time. Due to the processing error -- Cap 1 marked on time payments as rolling lates. 
The issue was finally corrected in XX/XX/XXXX. 

Timing is an issue. We looked to correct this. We are unable to and need some assistance. While they 'research ' this, we are unable to get complete the sale of our home and the purchase of a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: GA

Complaint narrative:
This mortgage was closed and paid in full to XXXX during a refinance. XXXX is reporting the XXXX Payment Late and the Account still remaining open with a late payment history in XX/XX/2019. It needs to show closed in XX/XX/2019, and paid as agreed with a {$0.00} balance as of XX/XX/2019.They refused to make any corrections -despite the numerous calls to customer service. They also refuse to transfer me to the department in charge of credit reporting, and also the legal department.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I was sued in court for an collection account. I have court documents that I do not owe the debt. the credit bureau will not remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
XXXX XXXX sent a letter trying to collect XXXX for a facility. I contacted facility and asked if we had any outstanding balances. We paid copay amounts upon our regular visits and any copay amounts due on follow up visits. I sent XXXX a letter stating balance was not owed and verified by alleged original debt collector. I requested letter showing balance forwarded from alleged original debt collector. No information was received and another collection notice was sent.

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 2019-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
On XX/XX/2019 Nissan finance called me at work. Never attempted to call my cell phone. Advised me I was 11 days past due. I told CSR I had made a half payment 2 weeks ago and I was going to make the other half XX/XX/19 but please do not call me at work. I made a full payment on XX/XX/19 online early that morning. At XXXX they called me at work again to collect this debt. After a full payment had been made online and i am currently a half payment ahead. This is harrasment. I have a clean pay history with Nissan. I have 2 vehicles financed through them and have been a long time customer. I advised the CSR that called me this morning i would file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I contacted Capital One and XXXX XXXX on XX/XX/27 because they reported my payment had been late up to 60 days, I asked them from proof of this payment history which they could not provide. This is negatively affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Currently I have been in the process of getting a mortgage. I started this process back in XXXX of XXXX. I began the search of lenders and discovered that I had issues to resolve with my credit report. I discovered discrepancies with all three bureaus. I had cleaned up my credit and settled some debt at the same time I deputed something and let time pass so my scores would increase. In XXXX a dispute was on my credit report. I had the disputes removed and my scores dropped to significantly. In XX/XX/XXXX I began to build more credit and produce 2 trade lines which appeared in XXXX and in XXXX taking my scores up between all three bureaus. I had my credit report pulled on XX/XX/XXXX and on the consumer reports my credit scores were XXXX, XXXX equifax, and XXXX XXXX. My lender pulled my credit and the disputes back in XXXX reappeared. I called to have them removed and at the same time I had 2 trade lines to post, XXXX increase on student loans to appear, removal of the disputes which caused my consumer scores to go down to XXXX for XXXX XXXX which I loss 66 point from an account being in dispute since XX/XX/XXXX which wasn't made aware to me, XXXX XXXX a loss of 53 points the same XXXX XXXX acct dispute was removed, and a loss of 35 points within days of removal of the dispute which was placed on my acct. back in XXXX caused extreme damage to my credit report. I am writing this dispute because i dont think it was lawful for the bureaus to be able to impact my credit significantly when disputes are suppose to be resolved within 30 days. These disputes were placed on my accounts in XXXX and removed in XX/XX/XXXX. Are credit bureaus allowed to deducted 50 or more points with no significant changes on ones reports or trade lines? This has and still is causing a significant problem for me and my family. I am not able to complete the lending process because of the inaccuracy reporting between all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I purchased a car with the promise of a 60 month loan term. The auto loan was financed by Capital One Auto Finance. Every document given to my by the dealership reflects a 60 month loan term. The dealer did not provide me with a copy of the Retail Instalment Obligation contract that the dealer assigned to Capital One Auto Finance. I am XXXX years old and believed I was about to make my last and 60th loan payment. Capital One Auto Finance insists that my loan term is for 63 months. In XX/XX/XXXX, I complained and Capital One Auto Finance sent me a copy of a letter that they allege was mailed to me in XXXX outlining a 63 month loan term. Capital One Auto Finance has not provided me with a copy of the Retail Instalment Contract. I do not know what kind of bait and switch tactic was used but there has been three ( 3 ) extra months added onto my auto loan in a very deceptive way. I was XXXX years old when this fraud was perpetrated against me in XXXX. How absolutely disgraceful to financially abuse a senior citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
In 2012 I tried to get a loan modification. We went 40+ months, before they told us we wasn't eligible. Tried a short sale, went another 4-6 months then we was told we wasn't eligible. Payments went from {$840.00} to {$950.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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 — Investigation took more than 30 days
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was a victim of identity theft in XX/XX/2017 in which someone stole person information, filed my taxes and began opening and attempting to open several fraudulent accounts in my name. I have been working with local law enforcement, the three credit reporting agencies and the account lenders. 

In sending in copies of police reports, federal trade commission reports, proof of my ID as the rightful owner and other supporting documents, over the past two years I have obtained little to no success in trying to successfully remove these accounts from my credit report. I have in writing, on several occasions asked that the lenders send me proof of whatever SIGNED documents that have confirming that these accounts were opened by " me '' and they have not responded or sent me copies of these documents per my request. When I speak with the credit reporting agencies, they simply state that the debts were verified by the lenders but CAN NOT either provide me with the requested documents to corroborate their investigations. 

I have been denied job opportunities, other loans, and even bank accounts due to these accounts and at this point I want results. I want in writing whatever documents they have that were alleged signed by me and want these fraudulent accounts removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
I received a voicemail on XX/XX/XXXX from Collections Bureau of America in XXXX, CA stating that they were trying to collect a past due XXXX bill. I called them back the same day at ( XXXX ) XXXX ( XX/XX/XXXX ) and requested verification of the debt via email AND mail. I had not received either by XX/XX/XXXX, so I called again. The second representative I spoke to confirmed he saw notes in the file from my call on XX/XX/XXXX requesting the verification of debt and assured me I would have an email from them by the end of the day. It is now XX/XX/XXXX and I have no verification of the debt. To the best of my knowledge I have never missed a payment with XXXX - I last spoke to them in XX/XX/XXXX when I called to transfer my XXXX account to my ex when I moved out of his house and at that time I was not informed of any outstanding balance with the company. I also never received any notice that my account with them was delinquent. Therefore, I am skeptical of the legitimacy of this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I been a customer with XXXX XXXX for ( 15 ) years, each year, I apply for the loan and was approved. This year, I applied and was sent a letter, stating : 1 ) excessive balances/ derogatory loans 2 ) insufficient refund amount But upon pulling my credit report, this information is incorrect. I ve made several attempts to call the number on the correspondence, but they dont work.

Therefore, I m needing assistance with obtaining, the documents used to make the decision.

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 2019-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I had no knowledge I owed this amount to XXXX XXXX. They sold the debt to XXXX XXXX. It was taken to court without my knowledge XX/XX/XXXX. The original debt was for XXXX. The amount owed is now XXXX. They emptied my checking and savings of XXXX on or around XX/XX/XXXX. I had no written statement of garnishment. I bought a home in XX/XX/XXXX and when mortgage company ran my credit I had no past due accounts or collections on my report. I obtained documents myself from court house and my bank. I had no written correspondence with the creditor. I do not believe they are on the up and up. I feel like they are ripping myself and others off by their tactics. I researched on my own. Others might not know to do this and pay them blindly without knowing their rights. I would like this account to be investigated to prove accuracy. And to know if they can legally charge me 3-4 the original debt. I was not contacted about court cases so I was unable to show up to said court dates

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
I first noticed payments to Navient on my student loans " disappearing '' in the summer of 2017. It had likely been happening for a long time. My fault for not paying enough attention I guess. SOME payments were showing up, and some weren't, even though I always paid in the exact same way ( online ). The money was pulled from my bank, but it was not showing up as paid on Navient 's end, and my loan amount owed was not decreasing. 

I called them, they confirmed that they had " not received a payment in three months '' despite the fact that my bank records proved otherwise. Later, they denied this conversation ever happened. I refused at that point to speak with them on the phone, but would use email only, where it can be documented, and they can't lie. They refused to discuss the loans or offer any explanation or solution, and still refuse to this day. I stopped sending them money, because I'm not paying money to have it vanish, obviously. They sent my loans to collections and confiscated my tax return ( thousands of dollars ) which I needed, because I'm poor. 

Additionally, Navient constantly offered only " forbearance '' when I had no money to pay, rather than more reasonable repayment options. Also, XXXX approved my loans for loan forgiveness, then suddenly, mysteriously " unapproved '' them two weeks later. I am 100 % certain Navient was behind that because they would not get as much money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I was sued in court for an collection account. I have court documents that I do not owe the debt. the credit bureau 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 2019-03-22 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: MA

Complaint narrative:
I was sued in court for an collection account. I have court documents that I do not owe the debt. the credit bureau 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