vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Freedom Mortgage Company
State: OK

Complaint narrative:
refinanced house in XX/XX/XXXXwith XXXX XXXX first payment was XX/XX/XXXX, after pulling first payment transferred the servicing of mortgage to Freedom Mtg as of XX/XX/2018. Please see credit report FREEDOM reported the $ XXXX loan XX/XX/XXXX, and loan servicing transfer letter authorizing them to as of XX/XX/XXXX. Freedom MTG illegally reported the loan as of XX/XX/XXXX, XXXX reported it XX/XX/XXXX. As you will see the credit report shows I owe $ XXXX for mortgage on my house. My credit score is in a free fall. I went to get personal loan to clear up the rest of my dept. and was denied because both companies reported I owe them $ XXXX. I am sure I am not the only one this is happening to.

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 2018-06-29 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: IN

Complaint narrative:
In XX/XX/XXXX Equifax reported and deleted a collection for {$310.00} held by XXXX XXXX which was for XXXX. In XX/XX/XXXX, I returned the equipment which settled the closed XXXX account. I had to jump through many " dispute hoops '' to get it deleted in XX/XX/XXXXbut it finally was deleted. In XX/XX/XXXX, XXXX XXXX reported the same account from XXXX which had been settled and closed. Now I am jumping through hoops again to prove that I ( 1. DO NOT HAVE A CONTRACT with XXXX XXXX and owe them NOTHING 2. HAVE SETTLED account with XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-29 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase XXXX XXXX is reporting a charged off account on my 3 credit bureau files. I have never applied for this credit card and have attempted to contact them for correction. They refused to research and provide validation of debt as requested. 

I do not know the exact date that I contacted them but have done so on many occasions and am now requesting this be removed as this derogatory reporting is harming my attempt in employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY

Complaint narrative:
Just raise payments every month after one day late!! Interest is XXXX dollars more every time

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navie t is incorrectly reporting my loan as late for months now, 4 months late and I havent had a lot ab with them since XX/XX/2014. I havwas called several times. They do not claim to know anything about it.it clearly states on all my credit reports that navie this is the lender and they are clearly stating late Paynent

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I've asked multiple times for copies of the paperwork that show the scheduled sale of my home has been cancelled. My loan is current. Mr. Cooper has refused to provide those. I continue to be harassed by their actions as servicer and inability to provide me with what should be readily available info

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: NY

Complaint narrative:
Homepoint is unfairly charging me {$130.00} for forced placed insurance coverage. On XX/XX/XXXX I mailed a copy of the my XXXX renewal to Home Point. On XX/XX/XXXX I received a letter requesting proof of coverage. I uploaded and faxed proof on XX/XX/XXXX. On XX/XX/XXXX I received a letter saying wind coverage is required. ( XXXXXXXX XXXX, who sold the loan to Homepoint, did not require wind coverage ). I purchased new coverage including wind effective XX/XX/XXXX. 

I complied with Homepoint 's request within 24 hours I will not pay for forced placed coverage as the delay was on the part of Home Point Mortgage. Had Homepoint notified me in a timely manner there would be no issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
On XX/XX/XXXX, I went online at www.westernunion.com and requested an international Bank-to-Bank money transfer for {$160.00} to be debited from XXXX XXXX checking account and be sent to my brother in XXXX. They promised a 7 day completion time-period. I called them on XX/XX/XXXX and they said the settlement date would be XX/XX/XXXX. On XX/XX/XXXX I call Western Union again and they said that they show that the transfer was completed and to check with the receiving bank. I asked my brother to check and he was told by his bank 's remittance department that no funds have been received and they see this often where Western Union allegedly sends money but does not get to the recipient and it would be hard to get your money back. I called and emailed Western Union several times since and was given multiple cases ( XXXX, XXXX, XXXX ) and promises to investigate with no avail. I final asked for a refund and they stopped returning my emails and I get transferred all around the company when I call and get a new case number each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TAYLOR MORRISON HOME FUNDING, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX I entered into a mortgage agreement with your company for the residence in XXXX XXXX, NC. In this mortgage agreement, I had paid for a newly built home at this address. During the walk through, my husband and I expressed concern to XXXX XXXX regarding the viability of the sod and if the drainage was satisfactory for the back yard. We were told by XXXX XXXX that the sod was dormant and would come up in the spring. He also stated that if we had drainage issues after the homes on our side of the street were finished, that they would likely need to re-grade our yard for proper drainage. 
Unfortunately, after proper and extensive lawn care, the sod has not rooted through no fault of our own and the front yard is completely dead. This was initially brought to XXXX XXXX attention in a warranty request at the end of XXXX. I did not receive communication from XXXX XXXX, so sent another request on XX/XX/XXXX ticket number XXXX regarding the yard issues. XXXX XXXX came to my residence to inspect the yard. I took him to the back yard where the poor drainage could be seen. I explained what XXXX XXXX had told us during our walk through and he told us that we were on a swell so that wouldnt change and there wasnt anything they could do. When I showed him our front yard, he expressed agreement that it was concerning and said that he would get in touch with upper management as landscaping wasnt covered under warranty. I expressed concern that it seemed as though some of the sod that was laid down prior to us closing was actually dead and not dormant. 
After over 5 weeks of communication with XXXX XXXX and his excuses as to the poor quality of my yard, XXXX XXXX informed me that there was nothing that XXXX XXXX could do. I also requested to see a certification that the sod that was laid down was in fact dormant and not dead, but I was told that wouldnt be possible. It is evident that XXXX XXXX does not stand behind the quality of their work. 
I would appreciate it if you could organize to replace the dead sod in the yard as well as correct the drainage in the back yard so that the grass can grow in the areas with excess moisture. I have moss, mushrooms and an abundance of insects in my yard due to the excessive moisture buildup and improper drainage. There are other builders in the area that stand behind their product and have replaced friends poor quality yards with no contest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hewitt-Capital
State: TX

Complaint narrative:
XX/XX/2018 at XXXX am XXXX. I received a call from XXXX XXXX that stated he was calling from the pre legal department of XXXX XXXX. XXXX XXXX left me a voice mail requesting to speak with me by first and last name about my file with the company and provided a file number XXXX at phone number XXXX ext. XXXX. I returned the call and XXXX XXXX answered and I identified myself by first and last name and stated that I was returning the call for the message left on my voicemail. At that moment the phone disconnected. I called back and identified myself again by first and last name, stated that the line was disconnected, and stated that I was calling to inquire about the nature of my business with their company. XXXX XXXX was rude and abrasive stated to me that he was going to drop leading proceedings against me and that he has been doing what he has been doing for 31 years. I provided XXXX XXXX the file number and he then stated the name of the party he was trying to reach. I told XXXX XXXX that I am not the person he is trying to reach. XXXX XXXX began talking over me the remainder of call including giving out another person 's social security number. I informed XXXX XXXX that he gave me someone else 's social security number and XXXX XXXX disconnected the call. I called XXXX XXXX again and as soon as he answered I informed him this was not the person he was trying to reach he began talking over me again.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
For almost 10 years, I had a checkings and savings account with Bank of America. The minimum monthly balance requirement on the account was {$25.00}, and for years I maintained exactly that balance, never incurring an maintenance fee. Without notifying my, sometime in early 2018, BofA raised their minimum balance requirement to {$300.00}. All of a sudden, for 5 months in a row I was charged a {$5.00} maintenance fee without any idea why. I just spoke with them on the phone, and they told me that the maintenance amount never increased, which is simply and demonstrably false. I double checked my email as well ( I have paperless billing ) and never received notification of the increase.

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 2018-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
XXXX XXXX , Inc. has repeatly tried to collect money on an old debt that was discharged over 8 years ago with XXXX Bank. The amount is more than doubel the amount that was discharged and written off. 

I tried to call and explain to them they are doing something that is illegal rying to collect on a debt that was closed out over 8 years ago, but they were unreasonable andwoudl onlt accept payment. 

They sent me a offer letter to collect 60 %. Their letter states that they do not have legal recourse against me because it is an old debt and said they will continue to report an upaid balance to the credit rpeorting agencies. To me, this is extortion. They are reporting this a as a recent default and are ruining my credit. This is true text book backmail to get moeny out of me. I have contacted the attorney general 's office in California, the reporting agencies to dispute their claims and if need be, I will retain an attorney and sue them. Their parent company, XXXX XXXX XXXX has had numerous lawsuites against them for using illegal collection tactics, committing fraud by signing on behalf of the defendants they are trying to sue in court and filing false clains of having served leagl documenst on these ppeople they are trying to collect. 

I have a copy of the consent order file # 2015-CFPB-XXXX with United Stated of America Consumer Financial Protection Bureau where they were fined and had to pay damages for breaking many collection laws and unlawfully collecting fees from ovrstated interest rates, more than doubling and tripling the original debt and using extortion tactics to collect. They falsley filed with courts by deceiving the courts with inaccurate records. 

I am requesting that your agency look into this matter and do whatever is in yor power to penalize these crooked people who have ruined my credit and are tryingt o balckmail me to pay them for a debt that was over 8 years old, discjarged and amount more than tripled the orginal debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 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: Convergent Resources, Inc.
State: IN

Complaint narrative:
In XX/XX/XXXX XXXX reported and deleted a collection for {$310.00} held by XXXX XXXX which was for XXXX. In XX/XX/XXXX, I returned the equipment which settled the closed XXXX account. I had to jump through many " dispute hoops '' to get it deleted in XX/XX/XXXX but it finally was deleted. In may of 2018, XXXX XXXX reported the same account from XXXX which had been settled and closed. Now I am jumping through hoops again to prove that I ( 1. DO NOT HAVE A CONTRACT with XXXX XXXX and owe them NOTHING 2. HAVE SETTLED account with 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 2018-06-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: BlueChip Financial
State: NC

Complaint narrative:
I have received multiple phone calls from someone named XXXX XXXX and XXXX XXXX from the " Legal Department at XXXX XXXX '' debt collection agency. I later discovered that this is a fraudulent company who has called under other company names such as " XXXX XXXX XXXX XXXX Department and XXXX XXXX XXXX  Department ''. They have called me from multiple numbers ( XXXX, XXXX, XXXX, XXXX, and XXXX ). I was informed that they would contact my job to have my wages garnished and contact my local county courthouse to pursue an out of court settlement. I have been harassed to a point of distress. I have requested for them to stop contacting me, but they have continued to do so.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank Of America Bank of America cancelled my checking account with no notice. No text, no email, no phone call and they had all mentioned on file. I was on vacation and it caused a GREAT deal of problems. I found out by trying to use my ATM card. When it was rejected I had over {$10000.00} in the account. I was told on the phone all funds were frozen, and they would not give me a reason for closing the account. 
This is NO WAY to treat a consumer and customer. I also intend to file a complaint with the 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 non-monetary relief
Consumer complaint received 2018-06-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SECURITY CREDIT SYSTEMS INC
State: NY

Complaint narrative:
On XX/XX/XXXX, I called Security Credit Systems of XXXX, NY in order to gain information regarding an allegedly defaulted student loan account in my name. 

I was put in touch with a XXXX. XXXX, who insisted that I owed a total of {$1100.00}. This was in stark contrast with the amount listed on my Federal Student Aid account, which listed a due principal of {$820.00} with {$0.00} interest due. 

When I presented this information to XXXX. XXXX, he became agitated and hostile, insisting that I owed an additional {$350.00} in interest charges. 

I pointed out to XXXX. XXXX that I could not possibly owe Security Credit Systems that much, as this loan was serviced by another credit agency before XX/XX/XXXX, before being transferred to Security Credit Systems after that date by my original loan provider, XXXX XXXX, as disclosed to me with XXXX XXXX business office in a conversation which took place on XX/XX/XXXX. Security Credit Systems has serviced this loan for less than two weeks, and yet they are claiming I owe roughly 45 % of my principal balance in interest charges, to quote XXXX. XXXX. 

XXXX. XXXX then vacillated between claims that these interest charges were imposed by Security Credit Systems and, alternatively, the federal government. When I stated that these interest charges couldnt possibly be imposed by the federal government, as the Federal Student Aid website currently lists due interest charges for this loan at {$0.00}, XXXX. XXXX again grew angry and demanded that I pay the requested amount immediately. 

It is clear to me, based on the very short length of time Security Credit Systems has serviced this debt and the significant discrepancy between XXXX . XX/XX/XXXX claims and the official amount listed as due on the Federal Student Aid website, that this is an attempt to charge an exorbitant and potentially usurious amount of money that I do not owe. These actions are in clear violation and, at the time, render me unable to pay my proper debts. 

Security Credit Systems is making wildly fraudulent demands, and should be appropriately reprimanded for their unethical, predatory, and potentially illegal behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Servis One, Inc., Titusville, PA Branch
State: MS

Complaint narrative:
The representative ( XXXX ) stated that she could not speak to me about my account unless I provided the last 4 digits of my social security number. This practice is inconsistent with request made by the representative who had just transferred my to the representative ( XXXX ). I had already provided my full name, property address, and account number, but the representative refused to move forward. 

This is keeping my account in delinquency longer and is making it difficult for me to resolve the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
Good Morning, I am having an issue with my flood insurance which is being required by SunTrust Mortgage. I obtained a flood policy from the XXXX for the dates of XX/XX/XXXX-XX/XX/XXXXfor {$720.00}. Suntrust paid this policy to XXXX from my escrow on XX/XX/XXXX. I then had another year of flood policy from XX/XX/XXXX-XX/XX/XXXXwhich Suntrust paid to XXXX for {$720.00} from my escrow account on XX/XX/XXXX. On 6/14/18, nearly two years after the first flood policy Suntrust stated that the zone on the policies was incorrect. They charged my escrow account for a lender placed policy with a charge of {$2200.00}. Because this is 20 months after the policy I can no longer get XXXX to change the zone ( not to mention XXXX has sent several FEMA issued documents stating that we are in zone X which I have shared with Suntrust but they will not acknowledge them ) and I am now stuck paying both the {$720.00} original charge and the {$2200.00} charge for the same flood coverage period. Suntrust is also about to charge me another {$2200.00} for the second policy period. I asked if I could get a refund from XXXX for the {$720.00} since Suntrust will not recognize that policy and they can not since it was already paid. I'm not sure why Suntrust is paying these policies and then coming back years later and saying they are invalid and charging me three times as much for lender placed insurance ( 4 times as much considering I can not get back my payment to the XXXX back ). My escrow account is being severely overcharged causing my monthly payments to increase by a large 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 explanation
Consumer complaint received 2018-06-29 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: NJ

Complaint narrative:
XXXX XXXX XXXX is reporting a inaccurate account for {$1000.00} which isn't my account it's reporting on Equifiax it must be deleted enclosed here is a copy of a police report that hasn't proven this is fraud.

Company response to consumer: Closed with explanation