vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX  -  Contacted  Bank  Of America to  inform them that i was selling my condo and to not pay my flood insurance early, policy effective is   XXXX   through  X/30 . When closing date was set, I contacted BOA on   XXXX     to confirm that they would not be paying for a policy that was not due for over a month. They told me they had already mailed the check and that i would have to get the refund on my own. They have constantly been making mistakes while I held a mortgage with them that has cost me hundreds of hours of my time. 4 weeks later I am still trying to get my refund for a policy that would n't even be in effect for another week. In addition, as soon as my mortgage was closed -  XXXX , all of my mortgage documentation was removed from the website. This included year end tax statements that are required to file taxes. How are they allowed to remove the tax documents over a week before taxes are due?     Also, in the closing process they repeatedly sent an expedited payoff amount to my buyer 's closing agent. I contacted them in  XXXX  that I do not authorize any expedited payoff amounts until closing. Any payoff amount should be in the form of the free, non-expedited version At that time, they removed a {$30.00} charge. I did not authorize them to send 3 expedited payoffs, only a final one is required. At closing, I had an amount of {$150.00} to pay instead of {$60.00}  ( {$ 30.00} for the mortgage and {$30.00} for the secon d )  This cost me {$90.00} additional out my pocket at closing. The closing agent confirmed that they did not request additional ones, that BoA just sent it to them.     As a result of their practices and poor customer service, I did not even contact them for the mortgage of my new home that I bought. If they could 've offered me a better interest rate and/or lower closing costs, there is no way I would ever utilize BoA again.

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 2017-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
The collection is not bonded in Texas and can not legally collect debt. Please remove accounts from my credit report and confirm that the debt is not owed.

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 2017-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc.
State: TX

Complaint narrative:
I requested to see the original contract bearing my signature and their signature not some statement or computer-generated bill and have not yet received it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
To whom it  may  I  XXXX   XXXX  am a customer with Ocwen Loan Servicing LLC. I was approved for a modification  Loan over two  years ago. I got approved for a new modification with the same loan in   XXXX   XXXX  . My first payment was due in   XXXX   XXXX    The payment was made in   XXXX   XXXX  .When it came time to make the  XXXX  payment  Ocwen  would not expect my payment because they said my dates were wrong on application but the modification had been approved in   XXXX   XXXX   Ocwen and I have been having monthly call trying to get all the information that is necessary but I am getting the run around. Now my home is in danger of being foreclosed on   XXXX   XXXX  ..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Services Group, Inc. d/b/a ConServe
State: SD

Complaint narrative:
They have continually called my number but they do so with robo calls and do not leave a message. When I am home to answer the call, there is no one on the line. I do not have any outstanding debts with any company. The most recent call was  XXXX / XXXX /  XXXX   at  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed with the credit bureaus and told them that there are multiple duplicate student loan accounts on my credit report and if they ca n't determine which ones are duplicate and original, that they must delete them all.

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 2017-04-26 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: TX

Complaint narrative:
I disputed with the credit bureaus and told them that there are multiple duplicate student loan accounts on my credit report and if they ca n't determine which ones are duplicate and original, that they must delete them all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed with the credit bureaus and told them that there are multiple duplicate student loan accounts on my credit report and if they ca n't determine which ones are duplicate and original, that they must delete them all.

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 2017-04-26 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: AES/PHEAA
State: TX

Complaint narrative:
I disputed with the credit bureaus and told them that there are multiple duplicate student loan accounts on my credit report and if they ca n't determine which ones are duplicate and original, that they must delete them all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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: FL

Complaint narrative:
XXXX   XXXX  , based out of Pennsylvania has been a nightmare. I have had an account removed multiple times over the last 2 years and it KEEPS SHOWING UP. It seems like they 're just changing dates or doing something shady. I requested that they verify my debt, which they did n't, and it was deleted from my report. Since   XXXX   XXXX   XXXX     this so called debt has been off and on my report on  6 seperate occasions. Yes, that is 6.  It has appeared as being placed into collections from  XXXX . It was also placed into collections by   XXXX   XXXX   XXXX  . Each time, it was removed. Now, it is showing back on my report  AGAIN and  it is on my Equifax and  XXXX . I am sick and tired of dealing with the credit collection agency fire sale blowback. It is frustrating and causing me financial strain. It is my understanding that if a credit collection is to be re-inserted into a credit report, that I am to be notified by A. ) the collection agency. B. ) The credit bureau. That is a federal law, am I right?  Becuase I have not received not one shred of mail from any of these companies in ages. I have not received a phone call from these companies. It just seems like they 're throwing it on, and when it comes off they try again ( without following protocol ). The laws are there to protect citizens like myself, and to be honest I feel helpless at this point. When does it end? Ho w does Experian and Equifax justify just letting any credit collection agency post a collection onto a consumers report? Do they even verify? Because if they did, they would find it a little odd that this is now the   XXXX   time the same debt is on the same persons credit report in 2 years. Please, I need help and I am out of options.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
This debt collector is not bonded in the state of Texas and by law, they can not attempt to collect a debt. I have already tried to dispute this, the debt company and credit bureau will not comply.     Section  392.101  of the  Texas Finance Code prohi bits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a  surety  bond and filed a copy of the bond with the Office of the Secretary of State.     {$470.00 } 2  accounts reported on   XXXX   XXXX   XXXX   This agency did not report an open account to this bureau.   Open Account #  1 { $93.00}  Balance Original Creditor   XXXX   XXXX   XXXX   XXXX  {$93.00} Opened Date   XXXX   XXXX   XXXX   Last Reported Individual Account.   Responsibility Consumer disputes this account information Medical Remarks Note Open Account #  2 {$ 380.00} Balance  XXXX   XXXX   XXXX   XXXX  Original Creditor {$380.00} High Balance   XXXX   XXXX   XXXX   Opened Date   XXXX   XXXX   XXXX   Last Reported Individual Account.    Responsibility Consum  er  disputes this account information Medical Remarks Note

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 2017-04-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
XXXX  applied for home modification f or 1 st mortgage thru GMAC. R eplied back stating we did not qualified because of Colorado Unemployment status. Instead offerred a Non Hamp Loan Modification Agreement with Debt Forgiveness o n 2nd mortgage also By GMAC. Reviewed agreement, specifically asked if this was a fixed rate interest of 1 percent for the life of the loan. Stated that we were confused because it para. 4 it   states " IF '' a step agreement then the below listed step schedule for increased interest would apply.  XXXX   XXXX  who was presenting the agreement to us stated " No it was not a step rate '' and referred us t o para. 4, 1st sententance that states this is a fixed rate of 1 percent for the life of the loan. If this was a step rate it would clearly state that this is a step rate agreement and the below listed schedule for interest rate increase would be followed. First time Ocwen tried t o increase my interest, I called Customer service and they agreed that this was not a step rate agreement and they would have it fixed. Now beginning in  XXXX  and contiuing to  XXXX  they have determined that the step rate schedule is implied and have raised my payments accordinly. Complaint s to Ocwen has resulted in customer service, their research dept, and Omsbudsman stating that para. 4 definitely states that this is a step rate agreement. That the word " IF '' implies this. No where in my agreement does it say that this is a step agreement or that the fixed rate is temporary for a short period of time. It states if and says it is a fixed rate for the life of the loan.It also states in para. 12 that there are no impied agreements by the lender unless written in this agreement. Ocwen keeps adding words in their r esponse that implies action other than what is written in plain english.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I own a  Chase Sapphire Reserve Card. I bo oked a flight, using the credit card and through the  Chase Travel Portal,  in   XXXX   XXXX  . I canceled said flight in   XXXX   XXXX  , and was refused a refund on my card. Instead, they said that they will hold the amount ( approx { $650.00} ) for me and I can use it to book travel again before   XXXX   XXXX  .      I tried using this balance on  XX/XX/XXXX . The agent confirmed that I have {$650.00} available to book travel, and said they would transfer me to the booking agent. At this point, I was put on hold for longer tha n 30mins and I  hung up. I called again and, this time, the agent refused to acknowledge my travel credit. I was again put on hold for longer than  20mins and I hung up.      I used the secure message center on Chase.com to have customer service act on this. First message was on  XX/XX/XXXX , and the response to this message can be briefly summarized as, 'Please call the  Travel Center, we  can not help with this '.     Since  XX/XX/XXXX , I have exchanged  5 me ssages and a phone call with   XXXX   XXXX    ( Senior Service Specialist ). Th e last exchange with  XXXX  was also unsatisfactory, since she essentially asked me to call the  Travel Services ag ain and refused to look into this any further. I agreed to call once more, giving  XXXX  a fair chance to resolve this.     On  XX/XX/XXXX  I called the Travel Portal again and asked for the Help Desk, as instructed by  XXXX   XXXX . After more than  25mins on hol d, I hung up again.     At this point, I have emailed, messaged, called and done everything else to try and fix this. I have lost money on travel, since I could n't use my credit to book another flight. I have also lost a lot of time and energy in pursuing this to no end.     Thanks and Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
More than ice I 've consolidated wit h Navient and s et up a payment plan with autodraftst from my bank. It 's never the price they say it would be and I felt with it but the worst part is every time I set it up they cancel it, stop autodrafting and call me back to make new plans. Sometimes as early as a month later. I 'm tired of dealing with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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:
Regarding previous case number #  XXXX . Please provide method of verification. I am requesting the Name, Address, and  Telephone num ber of the person validating the alleged item from creditor   XXXX   XXXX   University. I am requesting a copy of the original document or contract showing my name and signature for the alleged item. If the request can not be produced- please  Delete and Remove the item showing in my credit report from   XXXX   XXXX   XXXX  .The   reporting should be accurate and correct per FCRA.   Thanks ...

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 2017-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Account has been removed and has been reinserte d. CBNA  is not a company bonded in the state of Texas to collect this debt.

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 2017-04-26 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: CITIBANK, N.A.
State: WA

Complaint narrative:
I received a notice from ProtectMyID that I had activity on my credit report. Upon accessing the expirian site and viewing my report I sa w 2 discrepancies but do not know if they are related.    The first issue is a hard credit inquiry from  CBNA  on   XXXX    . I did not authorize this and I am currently not seeking credit of any kind. The   XXXX   site did not give means for addressing this and did not give contact other than a    XXXX   XXXX   .      The second issue regards an address in WV. I 've never lived in WV and I have an open dispute on that right now. However the dispute is only with experian and I need to have that address disputed with the other creditors as well.

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 2017-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: NC

Complaint narrative:
I had a gym membership with my local  XXXX   XXXX . The contract I signed had a military clause. On  XXXX   XXXX    XXXX  , I provided them with a copy of my military orders. I received phone calls from  XXXX   XXXX , stating that they had not received my orders. I asked  XXXX   XXXX  for assistance in correction this issue, however they explained they could not access my files any longer and all questions should be referred   to Aldous and Associates.
Aldous and Associates refuses to answer my questions.
When I initially received a call from the debt collection agency, Aldous and Associates, the person I spoke to on the phone notified me that I could mail in my military orders. I called a second time a  nd asked  XXXX   XXXX  from  Aldous and Associates how I could dispute my debt. He continually interrupt me and told me to contact a lawyer. He stated that he could not give me any advice. I explained that I 'd spoken to another person within their office, he interrupted me again and told me I could n't have spoken to anybody who is " higher up '' than he is and if I wanted resolution I needed to find a lawyer. I called to change my automatic payment date and responded to an email with a request for a new reciept. He refused and replied " this is a none reply email '' I had to call his office and verbally request a new reciept be sent.       XXXX   XXXX  went out of his way to talk down to me and displayed gross disrespect and lack of professionalism. All I want is the opportunity to clarify this issue.     I specifically asked  XXXX   XXXX  if I could dispute my debt and he refused to answer me. I now know this is a violatio n of U.S. Code 15 after seeking le gal assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I requested unauthorized inquiries to be removed from my equivalent credit file. I have never given permission for these inquiries to be made. I expressed this to equifax via certified mail and the response given to me is that these were facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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: NY

Complaint narrative:
I monitor my credit burea u FICO scores thru my credit card companies. My FICO score for the last year has been in the vicinity of   XXXX  XXXX , last month it finally raised to  XXXX  this increase coincides with an increase at  XXXX  of the other credit bureaus. Today I received notice from my credit card company of a change in my  FICO score with Trans Union and viewed it. My FICO sc ore dropped  XXXX  points to  XXXX  from  XXXX  I contacted  Trans Union and  spoke to a representative named  XXXX  employee #  XXXX . After speaking to her it was determined that there was no negative changes or other changes from last months report or any changes for the last several months I wanted to know why the drastic drop. She sited a delinquency from  XXXX    XXXX   that will stay on my report for 7 years. I explained that that has been on my report for over 2 years now and the effect over time diminishes with no other changes on the report and should put me in a more positive position regarding my FICO score. After no reasonable explanation of the drastic change I requested who I can contact to make a complaint regarding the poor reporting and poor customer service. It is my understanding and belief that th e FICO score cur rently reported to myself is incorrect and improper and should be corrected to the higher amount.

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