vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Loan # : XXXX Ocwen is by far the worst services company I have ever dealt with in the mortgage industry and other service industries. Years ago, they ran me around for 12 months processing a loan modification twice and both failed. Every time they requested information and I confirmed that was all they needed, they'd come back weeks later and ask for more information. To add insult to injury, they'd then ask for the same information updated since 90 days had elapsed - all because their processes are extremely slow. In the end, after two loan modification attempts - both were denied. Constant bouncing around from one department to another, mostly in XXXX and calls taking hours! Good people on the phone but they don't have the right tools to do their job. More recently, when the loan transferred to PHH, I paid additional principal and asked for my loan to be recast at the lower principal balance. After 3+ months, they still haven't reset my payments to a lower amount when their relationship mgmt dept already confirmed the recast and lower monthly payment. More wasted hours on the phone bouncing around departments. Just today ( XX/XX/19 ) - they notified me THEY made a mistake and reported a derogatory to the Credit Bureaus based on what happened. They assured me in due time that they'll fix it. All the while they're collection dept keeps robo-dialing saying I'm late on payment! I paid down the mortgage {$40000.00} in XXXX and continue to pay on time each month. They are a mortgage company, this should be an easy task unless they're running their calculations on an XXXX computer. This company is a great example of lack of customer experience and how not to run a great business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RMS-Recovery Management Services, Inc.
State: GA

Complaint narrative:
The company I am reporting is Recovery Management Services. The company is stating that I took out loans through XXXX University  XXXX. This school was closed due to unfair and illegal business practices by the United States Government. I sent documentation to the creditor stating that all of my loans are through the Dept Of Education. Recovery Management Services has stated that they will continue to " damage my credit '' and " ignore all correspondence relating to this matter ''.

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 2019-12-23 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: FL

Complaint narrative:
I sent in dispute letters asking for detailed proof with my original signature showing that the account belonged to me and received a response from the credit bureau that the information was verified. The creditor didnt reply with the proper information showing my original signature. Therefore this is against FCRA   and the accounts should be deleted immediately due to the fact that the creditors didnt reply with proper information. Ive sent in several letters asking the same exact things and now Im frustrated because they are not providing proper documentation. I wrote XXXX, Equifax, and XXXX   and the accounts care back verified with no proof of original signature. I do understand that this is illegal and Im at the point where I would like to file a lawsuit due to the fact that no one is properly investigated the items being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One does not link to my XXXX XXXX. 
I spoke numerous times with them and they are the only company/bank that does not link to personal capital. 

Today I spoke to XXXX, employee ID XXXX who would not let me speak to his supervisor ( XXXX ) about this issue. 

I am including an article ( from 2018 ) about this issue. 

CapitalOne just simply does not care XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
In XXXX on XXXX XXXX, 2019, I was overcharged {$480.00}. XXXX. I contacted Capital One immediately and explained. They processed it as fraud instead of an overcharge and removed it- only to recharge it on XXXX XXXX when they decided it wasn't fraud. I called again and explained the same story I had at first- that it was an overcharge. They removed it again on XXXX XXXX and waited for a response from the retailer in XXXX. However, on XXXX XXXX, they re-billed the amount after receiving a receipt from the store. They sent me the documents provided, and the receipt 's signature doesn't even resemble my name, let alone my signature. I provided all the documents they requested to fight the charge again- a signed and dated letter including my case number, the merchant 's name, date of transaction, disputed amount, a description of what I have done to fight the charge, and a copy of the receipt I was provided at the time of purchase. They once again removed the charge when they received my documents. However on XXXX XXXX, they put it back on my statement saying they didn't receive the necessary documents. Apparently, my receipt ( which is handwritten because they claimed to be out of credit card tape ) is a non-return agreement instead of a receipt. It is in XXXX, so I was unaware of this ; however, it does have the correct charge on it of {$25.00}. However, Capital One won't use it as proof of overcharge since it isn't an actual receipt ; yet, they are using the forged receipt from the retailer as proof of purchase because " they aren't signature experts ''. Supposedly Capital One is sending it to another department for investigation but won't remove the charge. So my bill is due XXXX XXXX, and I am looking at interest charges or late charges that will damage my credit if I don't submit payment. After doing some research, I have found many other Americans who have had this same thing happen when traveling out of the states. Apparently, it isn't isolated to XXXX, and around {$500.00} seems to be the amount overcharged. I assume it's low enough that customers don't seek legal action that would cost even more. The retailers seem to have found the perfect scam that credit card companies allow based on their legal agreements and requirements for overcharges that favor the retailers over their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I found a Charge offs on my Credit report form BANK OF AMERICA. I disputed it with the CRA it came back verified. I than sent a letter to BANK OF AMERICA about this heard nothing back and called them I spoke to a Customer Service Representative who informed me that your BANK OF AMERICA does not have any information on this account that it was all sent to a collection agency. How did they investigate this account with out any documentation? I contacted the collection agency their rep told me about and they could not validate the debt. This is a violation of the FCRA and the trade line needs to be removed ASAP.

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 2019-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
PayPal is the exclusive credit card agent for XXXX. All of a sudden, PayPal has blocked all my credit cards and not allowing purchase. I do not have a PayPal account and am using valid credit cards with a limit well above the the amount trying to purchase. I called paypal and they told me there was a block on my account even though I dont have one. They are acting like any other credit card clearing house and are illegally collecting personal data and blocking my purchases without cause nor are they giving me a reason. I was told to write to a email address, I did witho

ut reply. Talked to the state of NJ banking commission and they
state that their actions are in violation of their banking agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PINNACLE RECOVERY, INC.
State: GA

Complaint narrative:
ON XX/XX/2019 PINNACLE RECOVERY , INC . SENT A LETTER TO ME ABOUT A DEBT THEY CLAIMED I OWED IN THE AMOUNT OF {$11000.00}. THE ORIGINAL AMOUNT WAS {$8400.00}. I IMMEDIATELY SENT A LETTER ON XX/XX/XXXX TO THEM AND TOLD THEM THAT THIS IS NOT MY DEBT. I RECEIVED NO RESPONSE UNTIL TODAY WHEN I RECEIVED ANOTHER STATEMENT SAYING I OWE THE MONEY AND THAT IF I DO NOT PAY BY XX/XX/XXXX THEY ARE GOING TO REPORT THIS TO THE CREDIT BUREAU. THIS DEBT IS FOR A MORTGAGE AND I HAVE NEVER OWNED A HOME. IF YOU LOOK BACK TWENTY YEARS, THIS HAS NEVER BEEN AN ACCOUNT ON ANY OF MY CREDIT BUREAU REPORTS. I AM SENDING THEM A SECOND LETTER TODAY AS WELL AS CONTACTING THE XXXX. PLEASE HELP ME TO RESOLVE THIS ISSUE. ( THE ORIGINAL COMPANY HAS NEVER BEEN ON MY CREDIT REPORTS EITHER. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 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: GA

Complaint narrative:
I submitted a complaint ( XXXX ) on XX/XX/2019 to Equifax. I received a response 56 days later on XX/XX/2019. Equifax failed to respond within the 30-days outlined in the FCRA ie : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 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: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I paid off the collection account for LVNV Funding in XXXX of 2019. After calling and emailing several times i was finally sent a clearance letter from XXXX XXXX XXXX whom did the collecting dated XX/XX/2019. 

When checking my credit report in XXXX and XXXX of this year they have the account showing open, XXXX balance and 120 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
The way my payments are being applied, some payments go strictly to interest alone and nothing is being applied to principal, and when it does it is a very small amount. When I asked for an amortization table so I can understand how the payments are applied I was given excuses and still have not received one or an explanation how the payments are to be applied. 

Navient

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I found a Charge offs on my Credit report form XXXX XXXX XXXX I disputed it with the CRA it came back verified. I than sent a letter to XXXX XXXX XXXX about this heard nothing back and called them I spoke to a Customer Service Representative who informed me that your XXXX XXXX XXXX does not have any information on this account that it was all sent to a collection agency. How did they investigate this account with out any documentation? I contacted the collection agency their rep told me about and they could not validate the debt. This is a violation of the FCRA and the trade line needs to be removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 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: FL

Complaint narrative:
I sent in dispute letters asking for detailed proof with my original signature showing that the account belonged to me and received a response from the credit bureau that the information was verified. The creditor didnt reply with the proper information showing my original signature. Therefore this is against FCRA and the accounts should be deleted immediately due to the fact that the creditors didnt reply with proper information. Ive sent in several letters asking the same exact things and now Im frustrated because they are not providing proper documentation. I wrote Transunion, XXXX, and XXXX and the accounts care back verified with no proof of original signature. I do understand that this is illegal and Im at the point where I would like to file a lawsuit due to the fact that no one is properly investigated the items being reported.

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 2019-12-23 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: FL

Complaint narrative:
I sent in dispute letters asking for detailed proof with my original signature showing that the account belonged to me and received a response from the credit bureau that the information was verified. The creditor didnt reply with the proper information showing my original signature. Therefore this is against FCRA and the accounts should be deleted immediately due to the fact that the creditors didnt reply with proper information. Ive sent in several letters asking the same exact things and now Im frustrated because they are not providing proper documentation. I wrote XXXX XXXX, and Experian and the accounts care back verified with no proof of original signature. I do understand that this is illegal and Im at the point where I would like to file a lawsuit due to the fact that no one is properly investigated the items being reported.

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 2019-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I found a Charge offs on my Credit report form JPMCB. I disputed it with the CRA it came back verified. I than sent a letter to JPMCB about this heard nothing back and called them I spoke to a Customer Service Representative who informed me that your JPMCB does not have any information on this account that it was all sent to a collection agency. How did they investigate this account with out any documentation? I contacted the collection agency their rep told me about and they could not validate the debt. This is a violation of the FCRA and the trade line needs to be removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: TX

Complaint narrative:
Mortgage Company - Home Point Financial Corporation I paid bi-weekly mortgage payments without knowing that Home Point doesn't accept bi-weekly payments. One payment was applied to principal and the other is in suspension. I have been calling up the company for almost 3 weeks now to get this fixed. Every time I am told that this will be fixed within the next 24 to 48 hours. Nothing has been done about it till today. I have also sent several emails to their customer care email id and their supervisor XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 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: CA

Complaint narrative:
On XX/XX/2019 I XXXX XXXX sent a letter to this credit agency to update and correct the information on my credit report. It is now XX/XX/2019 and I have yet to receive a response.

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 2019-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
My loan Federal loan was transferred from Sallie Mae to Navient in XX/XX/XXXX of XXXX. I applied for federal consolidation in XXXX in order to begin my 120 qualified payments towards my Public Service Loan Forgiveness. Navient mishandled my loan and placed me on a graduated payment plan which was not applicable to the PSLF,  however I was assured that I was on a qualified payment plan. I was paying between $ XXXX {$560.00} a month which was not less than what I would have been paying on income driven repayment. I was told that I was on a qualified plan and after heading out of a temporary forbearance in XXXX, I paid on time payments from then until my loan was transitioned without my prompting from Navient directly to the PSLF  program on XX/XX/XXXX. Now I'm told that by the PSLF supervisor ( Employee XXXX ) that I only have 8 qualified payments. This doesn't make sense because he also stated that Navient has had me on income driven repayment since XX/XX/XXXX which would mean I have far more than 8 qualified payments outside of Navients mishandling of my loan. At this juncture, I should have at minimum 98 qualified payments on my account as of XX/XX/XXXX. In addition to this, Navient reported a default to my loan in XXXX that never occurred. This had a negative impact on my credit report and prevented me not only from borrowing but also from earning competitive interest rates on financial products.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 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: CO

Complaint narrative:
Equifax and XXXXXXXX are reporting incorrectly that I am ( 120 ) days late on XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX and XXXX. Equifax is also reporting that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-23 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: CO

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX and XXXX. XXXX  is also reporting that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these 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