vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I make extra principal payments on a monthly basis. Last month PHH Mortgage took an extra {$13.00} out of the extra principle to pay for the recording fee 's for an assignment of mortgage that was recorded in the clerk of courts the month prior XX/XX/2019. 
They should be absorbing this cost not I as they received the loan from Ocwen XX/XX/2019. 
Also note that according to the clerk of court in XXXX County Florida the legal description in the assignment of mortgage is also incorrect. I have called 3 times and I still have no answers. 
They also caused my homeowners insurance to be cancelled and then reinstated. 
Because the insurance company never received noticed they were now servicing the loan. That occurred in XX/XX/2019

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
Years ago I purchased a home and my mortgage w/ Chase bank . I have tracked them for years holding up my checks from clearing my account for months ( 3-6 ). I have tracked it for years w/ complaints to my State Attorney general. HE doesnt care, probably bribed not to look. My bank records are Never correct. I will have less than twenty dollars in there and my balance says thousands from Chase holding the checks. Since no one has been able to help, I have to keep records at home, give up my debit card and all payments online b/c I never know what is going on. Last month Chase wrote and said I have over 80 grand equity. Now I am notified my loan w/XXXX XXXX and equity 20 grand a month later. I have spoken w/ many people in my state of Montana and Chase is doing it to them. Lifes hard enough, banks rich enough. Id get fired if I didnt do my job right. Why are they in business. Americans deserve better and we are sick of our government serving banks not the people. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
Good morning CFPB, In XX/XX/XXXX the servicing on my home mortgage was transferred from XXXX XXXX XXXX to NationStar Mortgage dba Mr. Cooper. Effective with my XX/XX/XXXX payment, I was instructed to begin making my monthly payments to Mr. Cooper. 

I will note that I am in an active Chapter XXXX bankruptcy. At the time servicing was taken over by Mr. Cooper, there was a small amount owed in mortgage arrears, but I was nearly complete in paying my past due payments. By XX/XX/XXXX, I had completed all arrears payments and was once again current on my home mortgage. 

The Problem : Since Mr. Cooper took over servicing on my account in XX/XX/XXXX, I have NOT received a monthly mortgage statement. I have contacted the lender multiple times in writing and via telephone requesting a mortgage statement. I was told my property was flagged for surrender and I stated that was completely inaccurate - the whole purpose of the Chapter XXXX bankruptcy was to keep the house. They performed research and discovered the account had been flagged incorrectly when servicing was transferred. The lender promised everything had been resolved and I should start receiving my monthly statement in XX/XX/XXXX,,, ,then it was going to be XX/XX/XXXX ... and now they've said I should receive it for the XX/XX/XXXX payment .... still nothing. 

This lender has demonstrated a lack of accuracy and transparency in the handling of my mortgage account and my only tool for tracking and transparency is the monthly mortgage statement to which I am entitled as per the XX/XX/XXXX CFPB rule. 

I would greatly appreciate assistance in achieving resolution with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kinum, Inc., Indianapolis, IN Branch
State: GA

Complaint narrative:
I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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:
I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies.

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 2019-09-26 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: MN

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly collections/Charge-offs on the US DEPT ED account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These collections were paid in full when my tax refund was garnished! This incorrect reporting of a collection/charge-off on the student loans is seriously harming my credit score. There is no outstanding balance due and therefore these accounts should not be reporting. I have contacted the ( 3 ) bureaus to remove these line items 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 2019-09-26 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: MN

Complaint narrative:
XXXX  ; Experian and XXXX are reporting incorrectly collections/Charge-offs on the US DEPT ED account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These collections were paid in full when my tax refund was garnished! This incorrect reporting of a collection/charge-off on the student loans is seriously harming my credit score. There is no outstanding balance due and therefore these accounts should not be reporting. I have contacted the ( 3 ) bureaus to remove these line items 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 2019-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have been trying to access my credit report so that I can apply for a credit card. I havent been denied for multiple, and come to find my information hasnt been updates since XX/XX/2017. I have been working for the last two years, and have been renting a house. I can't access any online tools because my reports all say " error loading '' " unable to show your report '' and when I try to contact someone, it's all a bunch of XXXX. Robots or comments left to never be answered. Spoke to a man on the phone who is sending me a mail copy BUT THAT DOESNT CHANGE THE FACT I CANT SEE IT ONLINE OR UTILIZE MY ONLINE TOOLS. I NEED my report and my whole life is getting ruined because nobody can just take two minutes to help me! Upon the security questions I am being asked about accounts that arent mine and therefore not " passing '' PLEASE HELP ME. The companies involved I ALREADY CONTACTED but sure go ahead, its XXXX, XXXX, and 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 2019-09-26 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:
All of these accounts which I listed in Identity Theft nave never belong to me. Some of them paid good, but I never got these card and never used. Some one used my personal information like ssn and applied for these accounts. I don't want these card are being on my credit report. Please close these accounts and remove from credit report because this is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26 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: FL

Complaint narrative:
I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies.

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 2019-09-26 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:
I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26 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: IL

Complaint narrative:
I am not the originator of the enclosed information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I opened my checking account on XX/XX/19. They had a promotion for a {$300.00} sign up bonus upon meeting the following requirements : two direct deposits of {$500.00} or more and ten debit card transactions. I met and exceeded these requirements which has been confirmed by the bank on multiple occasions via phone calls to customer service. Based on the terms of the promotion, they said the bonus should be paid out around 120 days after opening the account, so on or around XX/XX/19. I began calling to inquire about the status of the promotion I believe in early XXXX, giving them a few weeks of leeway time after the expected date to receive the promotion. After multiple phone calls over the past month, each representative has told me that I do indeed qualify for the promotion but to keep checking my balance on the following Wednesday morning because the promotions are dispersed on Wednesdays. So each Wednesday I would monitor my balance and see nothing had changed. They keep claiming that they have escalated the issue but nothing ever happens. No one has ever reached out to me to describe the problem, if any. I feel like this promotion was a bait and switch and they never intended to pay out the promised promotion.

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 monetary relief
Consumer complaint received 2019-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Called wells fargo as they are charging me a whole months of interest and FHA is charging me a whole month of MI for XX/XX/XXXX even though I am refinancing and closing on XX/XX/XXXX. It is {$4800.00} dollars total that I am being robbed off ... this is completely absurd, unfair and ridiculous that these companies even get by with these kinds of things. FHA loans are for people who are already tight on money and to top it off, these companies want to steal peoples money for no reason. I am NOT paying 23 days of interest and mortgage insurance as it is not being serviced for those days and I will need to pay those on the refinance side. The wells fargo person I spoke with is XXXX XXXX. Her number is XXXX and her extension is XXXX. Please resolve this matter ASAP. Consumers should NOT be treated like this ... what kind of an unfair and terrible system is this where by companies are allowed to charge money to consumers as they please. Ridiculous.

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 2019-09-26 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: NY

Complaint narrative:
Someone has been using my identity without my permission. These accounts below are listed on my credit report that Have non knowledge of. I didn't apply for them so they shouldn't be on my report. 

1 ) XXXX XXXX -opened XX/XX/XXXX amount {$1000.00} 2 )  XXXX XXXX -opened XX/XX/XXXX amount {$1000.00} 3 ) XXXX XXXX XXXX -opened XX/XX/XXXX amount9 {$3100.00} 4 ) XXXX XXXX Opened XX/XX/XXXX amount {$1200.00} 5 ) XXXX XXXX XXXX   opened XX/XX/XXXX amount {$210.00}

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 2019-09-26 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: IN

Complaint narrative:
In early XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. I have sent in three FTC/Identity Theft reports, along with the Account Name, Account Numbers and Inquiries that do not belong to me. TransUnion is allowing a XXXX XXXX XXXX ( {$300.00} ) and XXXX XXXX ( {$500.00} ) to continue reporting on my credit file. I do not know where they originated from and I DO NOT possess an inquiry for either account. I have submitted these accounts as fraudulent, sending in the proper documentation and TransUnion and XXXX  are refusing to remove them. XXXX is the ONLY bureau that fixed the problem, immediately. Prior to this situation, my credit was stellar and now, both accounts are reporting as late payments and my credit is being ruined. I need this fixed, as soon as possible. 

I did recently move into another apartment, I am not sure if some of my information was stolen. In the past.

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 2019-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I previously filed a complaint with you ( XXXX ) and the bank resolved it and removed the interest that was on the account inaccurately. It is for Account # XXXX XXXX XXXX XXXX. 

Since it took more than the one statement period for them to remove that inaccurate interest, I am now being charged {$14.00} interest on that inaccurate interest balance. 

I tried to resolve it and the same outcome as last time, the rep just said that since there was a balance ( even though inaccurate ) at the end of the statment period I am responsible. I am not responsible for inaccurate interest. 

If you need more to attach all of the statements again or a copy of the previous complaint that was resolved, let me know. This was BoA 's previous response showing I didnt owe the balance. 

Company 's Response On XX/XX/2019, we spoke with Ms. XXXX regarding her complaint. During our conversation, Ms. XXXX, advised us that she went online and confirmed that her account had a XXXX balance. I advised her that I was contacting her to confirm she was aware that the Interest Charges had been adjusted and her account had a XXXX balance. We explained to Ms. XXXX that the service she received had been elevated to the appropriate level of management to ensure we continue to uphold our high standard of excellence. Interest Charges accrue daily on the balance until the payment is received in full. At the time the previous monthly billing cycle closed, Interest Charges through that date were included based on the previous unpaid balance. The XX/XX/2019 monthly billing statement reflects all the Interest Charges accrued from XX/XX/2019, through XX/XX/2019, which was the date the payment was received. 
MONETARY RELIEF AMOUNT {$440.00} Thank you, 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 monetary relief
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Pressler, felt and warsaw are trying to collect {$320.00} from me for a debt i paid already the full amount that trying to get all over again is XXXX i do not owe that amount for an old 19 yr old account that i paid already. Its for XXXX but whats funny is i have XXXX  services now. Pressler sent me a subpoena question application threatening and lying to incarcerate me if i didnt pay again what i already paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: EQUIFAX, INC.
State: MD

Complaint narrative:
i have been trying to have a collection account removed from my file. XXXX  and XXXX have corrected the issue but i can get a final resolution with equifax. i have been trying for at least 6 months. the person i dispute i owe the money to agreed to remove it from my file. however, my disputes with equifax have not resolved the issue. the most recent dispute went over 30 days without a response from XXXX XXXX and i requested that it be removed for both reasons ( the originator agreed to remove and the collection company did not respond within the limits defined by the fair credit reporting act ) last month, equifax did remove it from my file but immediately re-added it back to my file???? 

below is information from equifax files that confirm they removed the disputed item then added it back to my file. by law, once it has been removed for collections non compliance with the fcra - it may not be added back. i need equifax to resolve this problem and not allow it to occur again. 

Based on Equifax data Credit changes Current score XXXX XX/XX/XXXX No score change We found 4 changes to your Equifax credit report. 

New Accounts In Collection XXXX XXXX New Account in Collections {$99.00} Accounts In Collection Removed XXXX   XXXX Collections Account Removed {$99.00} Credit Limit Increase XXXX/XXXX  Limit Increased by {$400.00} Balance Decrease XXXX/XXXX  Balance Decreased by {$14.00} Expecting a change that you dont see? Equifax may not have updated your report yet.

Company response to consumer: Closed with explanation