vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This was never reported to the credit bureau by the presiding judge. It needs to be removed, and Equifax is refusing to remove it. I have disputed this with Equifax , with evidence, I have disputed this with CFPB with more evidence, and I am disputing it again. This is incorrect and if it is not removed in 24 hours, I am contacting my attorney, XXXX XXXX, to sue Equifax for damages for illegal reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX cancelled my phone and internet service due to my adding XXXX service to my office in XXXX XX/XX/XXXX. It sent a revised final invoice on XXXX/XXXX/XX/XX/XXXX, which seemed to suggest there was a termination fee. I asked XXXX & XXXX for proof of any termination fee, as I did not have such a contract with them ; XXXX XXXX XXXX provided a copy of a XXXX page fax that did not have any termination terms and did not reflect the type of service listed in the bill. Despite having disputed the payment with XXXX XXXX XXXX and getting a resolution, XXXX XXXX XXXX placed the debt with XXXX. XXXX called my office repeatedly, and in XXXX XX/XX/2014, I filed a Notice of Dispute with XXXX XXXX XXXX. My attorney was assured that collection calls would stop while XXXX XXXX XXXX investigated the file, however, XXXX XXXX XXXX never responded to the notice with documents showing that I had any obligation to pay the {$1400.00} bill. Instead, XXXX XXXX XXXX transferred the alleged debt to IC System, which continues to call to collect a nonexistent debt. Litigation was filed with XXXX in XXXX of XX/XX/XXXX however IC System continues to phone at my office, where I am a XXXX, interrupting patient care. I have informed IC System that they are not allowed to call at my office, however, XXXX XXXX of IC System says that she will continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Incorrect reporting of my status by Equifax.. 

The status under federal law needs to be reported as Mortgage included in Bankruptcy. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Mortgage Loan # XXXX United States Bankruptcy Court for XXXX XXXX XXXX XXXX Florida Bankruptcy Chapter XXXX Case Number XXXX Filed XXXX Debtor : XXXX XXXX XXXX SS # *********** Equifax needs to correct my account status as Mortgage included in Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have contacted Equifax by certified letter ( return receipt ), by filing disputes online, and by calling on three occasions to no avail regarding hard inquiries on my report which were never authorized by me. Equifax has reported incorrect names, incorrect addresses, and multiple hard inquiries that are fraudulent despite my written and verbal notification. They have sent me a final response stating the report they have on file is accurate. In accordance with the FCRA, they must remove information that is not accurate and was not submitted/used to obtain credit by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I was notified of the a XXXX rewards card opened in my name on XXXX XXXX, 2017, via a letter in the mail. I did not apply for this card, and was told to contact XXXX. I did on XXXX/XXXX/17 and received file # XXXX. 

Then I was notified a few days later of a car - purchased in my name in XXXX XXXX, CA. I am a Massachusetts resident. I placed a fraud alert on my credit on this day. ) XXXX/XXXX/17. Since then I was contacted by XXXX XXXX - a fraud investigator for XXXX XXXX. He told me that there are at least XXXX inquiries open on my credit since XXXX XXXX 2017. Including personal loans, and a XXXX card with {$3500.00} credit limit. 

I have requested a copy of my credit report - XXXX. Which should be mailed to me in the next 7-10 business days. 

I have opened a police report with the local authorities. 

Are there additional steps that I can take? 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equfix Took it off the Added Back to the Report! Please Remove This

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I went to a civilian hospital ( XXXX XXXX XXXX Hospital ) in XXXX, OK and had to go to the hospital. XXXX at XXXX XXXX Hospital ( XXXX XXXX, OK ) ) took care of my bill but the XXXX XXXX XXXX Hospital attempting charge me fraudulent charges. Their false claim has negatively affected my credit score and I respectfully request that this incorrect information be promptly removed from my credit score. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have an installment from Check n Go for about XXXX years. I pay every month and if I do not pay I am threatened by not being able to reloan. They charge XXXX percent in California. In order for me to survive I must reloan. I am stuck in a vicious cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In XXXX XXXX XXXX Equifax after investigation remove collection account from my credit from XXXX XXXX XXXX Account # XXXX for {$83.00} conformation # XXXX. In XXXX collection account come up again in my credit. I submit complain to CFPB case # XXXX. In XXXX XXXX XXXX I receve responce from CFPB stated collction was removed. In XXXX XXXX I check my credit and Equifax and XXXX show collection for {$83.00} from XXXX. I need you help to permanantly remove this collection from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc.
State: TX

Complaint narrative:
I am XXXX XXXX at XXXX Texas XXXX. 
I financed my house on XX/XX/XXXX. I had no issues with my loanwhen it was being serviced by XXXX from XXXX to XXXX. I hadelected to defer my taxes, which is allowed in Texas for over XXXXhomeowners. To prepare for the deferment I had put down XXXX percent. 
The loan was subsequently transferred to XXXX XXXX for one year. 
In XXXX they transferred the servicing to Seterus. Suddenly, I was informed that I owed a deficiency of {$26000.00}, the amount thatI had deferred over the years, which they later adjusted to {$34000.00}. 
The new payment would be {$5200.00} per month. This is wrong, I didwhat I was supposed to do regarding the initial structure of my loanand deferred taxes. This has affected my overall credit score and theyhave stated that I am late. My mortgage broker is trying to help mewith the documentation. I think that this is illegal on the part of Seterus to demand that I suddenly require that I pay all of my legally deferred taxes. I cannotafford the payment that they are asking for and now because of thisdilemma I can not refinance out of their loan, I need help as soon aspossible. They will not speak to me regarding revising their position onthe deferment. They have also stated that I amlate on the XXXX payment, which I made on time. I am fearful ofloosing my house over something that is allowable. I never had problemsbefore this. My Contact information is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX agreed to remove acct from my credit report since I paid full on XXXX/XXXX/16. Sent removal letter and equifax will not remove the acct I have put in several investigation and nothing happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: MO

Complaint narrative:
XXXX balance of {$85.00} is showing open in a credit report review. I have a certified letter receipt ( just found after MUCH searching ) from USPS showing I mailed ck XXXX XXXX/XXXX/13 to NCO Financial Systems Inc ( Collection agency ). Apparently they did n't get the information/funds to XXXX. How do I dispute this now? ( account XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: GA

Complaint narrative:
My home is currently for sale and under contract scheduled to close in the next two weeks. My current mortgage company has XXXX in escrow for real estate taxes. I first requested that escrow be canceled and they send me the funds so that I could use them to establish escrow on the new home I am purchasing. They denied my request. I then requested that they subtract escrow off my payoff statement and I never received a response. I explained that I would be contacting the CFPB if we could not reach a mutually acceptable agreement. We originally purchased our current home in XXXX XXXX well before escrow rules changes under Frank Dodd. I couple of years back I requested to cancel the escrow of homeowners and they did that without a problem. This mortgage company is holding my escrow funds hostage and refuses to send the money to us. They said we should receive the funds 15 days after the loan is paid off. How are consumers supposed to set up new escrow? I believe this causes consumer harm. 

I have have been a customer of PHH Mortgage since XX/XX/XXXX with XXXX separate loans. We have never been late. Not ONCE. As a matter of fact, if you check our payment history we generally pay over the amount due and pay 5 to 10 days early.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I applied for a loan with XXXX for my small business. After I received the loan, I started to get another bill in a different amount that I was already paying back to XXXX on the monthly basis. This new bill was from Paypal, once I spoke to them I was told that I accidentally clicked on a button that prompted Paypal to provide us with the loan and that for that reason I owed them the additional {$300.00}. I contacted XXXX about this and their response was they could not do anything about it and that people get confused when setting up the account. I am in disbelief how XXXX can have Paypal in the settings to obtain payment for a service that is supposed to be only through XXXX. Today I agreed on paying XXXX {$230.00}, because I do not want to ruin my credit. I believe this is a very sneaky way to obtain additional money for a service I did not sign up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: MO

Complaint narrative:
We have filed a complaint against our mortgage company twice on this website. The first time we got no response from anyone! This time we received a response from the President 's office of our mortgage company. To date, they have put us off twice already saying they are " researching our file ''. We have an attorney and have sent the required paperwork XXXX times for help and assistance.Today we received a letter from PHH 's attorney saying they are recommending foreclosure. No help and NO acknowledgement from them. Now more money will be tacked onto our account for their gross errors for their attorneys fees and that doesnt ' even include ours!!!!!! This game has to stop!!!!!! They take our money and give us NO credit to our account for it or they send our payments back to us. They say they are sending paperwork to us but do n't. They called and offered to allow us to pay {$720.00} a month and a reduction in principle, we agreed, then they never sent paperwork to us. Now they are not following through with that offer. They promised paperwork after a forbearance plan, no paperwork arrived. This is a big game to them but it has to stop now!!! This Bureau source has been no help to us so we are moving on up the ladder. This is a horrible injustice to us and others like us and has to end now!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: VA

Complaint narrative:
I am behind on mortgage payments to PHH Mortgage. I am in the process of refinancing and requested that the company accept 2 months payments to avoid foreclosure. I have spoken with several agents via phone who refused to process anything less than 3 months worth of payments. In fact, they threatened to return such payments if they were sent. I have sent 2 months of payment ( XXXX x {$1400.00} = {$2800.00} ) in USPS money orders with the following serial numbers : XXXX and XXXX - for XXXX 2015 XXXX and XXXX - for XXXX 2015 These were sent via certified mail : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: NH

Complaint narrative:
I fell behind on my mortgage payments and contacted my mortgage company and asked to start a modification so I can get current on my payments. At that point I was only XXXX months behind and was looking for a repayment plan. I was asked to send in the modification package to my case manger. I did and was then referred to another case manager. The second case manager sent me a letter saying I had missing information. I mailed in the information, I called to check on it and was told I had a new case manager. That case manager sent me a letter saying there was information missing so I sent more information. I called to check on it and my case manger was on maternity leave.... Every time I called I had a new case manger or missing information. On XXXX XXXX I finally got confirmation on XXXX of my phone calls that a case manager was reviewing my information and would get back to me. So I waited. I called the case manger a few times and could not get through I just got a message saying she was out of the office and to dial XXXX to go to someone else. If I dialed XXXX it looped back to her voicemail I would call the main number and they would send me back to her voice mail. I finally asked to speak to a manager and got his voicemail but never got a call back. On XXXX XXXX and letter was mailed out to me. I did not receive it until XXXX. It was from the case manger that was on maternity leave. The letter said that I was missing a date and a tax form but it was to late to send the information. A sale date was put on my house and my case would no longer be reviewed. I called the lawyer associated to the foreclosure and asked for a reinstatement letter. The price was so high because they let this go on for so long that I was forced to file chapter XXXX to save my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, 2017 XXXX XXXX XXXX. 
XXXX XXXX, NJ XXXX Email : XXXXXXXXXXXX Consumer Financial Protection Bureau ( CFPB ), I regret that I feel the need to contact you again regarding my PHH Mortgage. ( My mortgage # is : XXXX ) ( My CFPB case # is : XXXX ) You responded to my initial inquiry on XX/XX/2017 and I am extremely grateful for you much needed assistance. 

After many, many calls to PHH to try and get my mortgage back to it 's 21 year status of non-escrow I continue to face road block after road block with PHH. No matter how many times I call, wait and wait on hold and talk to someone it is clear that NO ONE is willing to get me out of the Escrow status which I am unable to pay and back into the Non Escrow status which my income can pay. 

I even took the time to drive down to the PHH headquarters in XXXX today and was met with the same disdain. Seems that I can take the time to drive there and that they are more than willing to take XXXX upon XXXX of dollars from me BUT can they see their way clear to actually having a person come down and talk to me to rectify this problem ... NO! Security gave me a number to call and while I thought it would be to a person in the building I merely got the same prompts and wait times that I would have gotten from calling from home. ( For the record I gave them a check for my normal payment of {$650.00}. ) Let me be clear : I am not 6 months behind in my mortgage, or 4, or 3 etc. and have never been. I WANT to pay my monthly fee as I have for 21 years and I want to pay my taxes at the end of the year as I have for21 years. I have been crystal clear to PHH that I ca n't pay the increase that an Escrow designation warrants and need to be placed back on a Non Escrow status to afford my monthly payments. And, why would they send me their Home Owner Assistance package with a designated Case Manager, implying their awareness of my financial woes, and then change my account to Escrow which clearly increases the monthly payment. How wacky is that? 

I have been MORE than patient and cooperative and quite frankly am tired of waiting, 4, 7, 10, 20 or even up to 2 hours to speak to someone who wo n't take any action on my situation anyway. 

I await your valued advice and hope that your intervention will change my Escrow mortgage back to a Non Escrow, manageable mortgage once again. 

My Sincerest Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: FL

Complaint narrative:
We have a mortgage loan # XXXX with XXXX XXXX XXXX. Is the XXXX note subject to the same settlement and remidies as the XXXX note, ordered by the Department of Justice?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: ZIONS BANCORPORATION
State: CO

Complaint narrative:
I applied for a VA loan in XXXX 2016 and was told 2 months later that it could n't be done because my purchase was too small so I was recommended to do it with a Home Equity Line of credit with the purchase tied into that. So I started the application process for a second time. I was told that the purchase process would take 6 weeks to be able to purchase a {$14000.00} home. That was on XXXX XXXX. The appraiser was supposed to have the appraisal done by XXXX XXXX and it did n't get done until XXXX XXXX 2016. On XXXX XXXX I called to find out when we could close on the purchase of my home. I was told that everything was still in the appraisal review department and that they had not received the appraisal yet, I wonder why I had to call in and get that information before anyone started anything for a follow up with the appraiser. Here I am now, waiting to get my home equity line of credit to use as a purchase and make some necessary upgrades and some credit consolidation. This is taking an unreasonably long amount of time. I expressed my concerns to the bank but have been told there is n't anything further that I can do. My loan officer has her hands tied and has escalated it as high as she can go in the processing department and it seems the behind the scenes paperwork just is n't getting accomplished. It is n't hard to be on top of the process. This is causing me a lot of XXXX.10 weeks and counting to purchase a manufactured home is way too long. I know that if the bank expected payment 6 weeks from the application date that I would have been sent to collections and possibly foreclosed on if I did n't meet my obligation. The bank has an obligation to me, the customer, to process this in a timely fashion. It just is n't happening. All i am getting are excuses.

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 2016-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Allied International Credit Corp., (US)
State: ID

Complaint narrative:
I received a notice of collection related to a debt allegedly owed to XXXX, where I do not have and have never had an account. The notice was from Allied International Credit Corp., XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. The amount claimed was {$940.00}. Although the notice looks genuine, I 'm sure this is attempted fraud and so I am reporting it

Company response to consumer: Closed with explanation