vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
OCWEN LOAN SERVICING/PHH MORTGAGE IS STATED IN CORRESPONDANCE TO YOU OUR LAST PAYMENT WAS ON XX/XX/XXXX FOR INSUFFICIENT FUNDS. THAT WAS AN INVESTOR PAYMENT AND IT PROVEN ON OUR TRANSACTION HISTORY, OUR LAST PAYMENT WAS ON XX/XX/XXXX WHICH ALSO WAS STATED TO BE TRUE IN CORRESPONDANCE FROM OCWEN LETTER DATED XX/XX/XXXX WITH THIS BEING SAID OCWEN AND PHH MORTGAGE OUR FALSE STAMENTS TO YOU AND OTHER GOVERMENTAL AGENCYS AND WE WANT IT CORRECTED. 
WE WERE INCOMPLIANCE WITH OUR LOAN, VICTIMS OF FALSE CLAIMS ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: AL

Complaint narrative:
This year out of the blue I receive a letter from HUNTER WARFIELD INC XXXX XXXX XXXX XXXX XXXX, FL XXXX. I have never heard of this company nor ever had a contract with them. I sent a letter asking them to provided proof I own them a debt. They did not comply and next thing they did was report on my credit report as a collections. I never had a contract with the company nor gave consent for them to report on my credit report. I want them to cease and desist any further actions and to remove any negative remarks off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA

Complaint narrative:
Hsbc bank is trying to collect funds I do not owe them, in XX/XX/2018 I had a balance of {$3800.00}, I went online to make payment in full, I noticed that I set up the payment for XX/XX/XXXX which was my due date, that was a mistake as I wanted payment for XX/XX/XXXX, I went and looked at transaction history and the previous payment didnt show, so I went and made the payment for XX/XX/XXXX, this payment cleared my bank on XX/XX/XXXX, my account then had a XXXX balance, then I found on XX/XX/XXXX Hbsc sent an ach to my bank for {$3800.00} when I had a XXXX balance, this was rejected by my bank for insufficient funds, I called HBSC about this and spent near an hour on the phone because now my credit card showed a credit balance of - {$3800.00}, when I called they said well we can send you a check for the credit amount, I told them no do not do that because you never got that money from my bank, she said well it shows up here, I said youre not going to get the money, they said then call back after that showed on my account, I waited then I received a check for {$3800.00} in the mail, I called them again and told them what had happened and that they had then charged me a {$25.00} returned check fee and sent me a check, after another almost hour on phone this was supposed to all cleared up and they reversed the {$25.00} returned check fee, I also told them to cancel the credit card, so I shredded the check they had sent, shredded the credit card, then on XX/XX/XXXX I  received a statement from HSBC, I did not have my log in so I ignored it, mind you I have not received a statement since XX/XX/XXXX, XXXX I started getting unknown XXXX calls and found out it was Hsbc, I called back and they said they were attempting to collect a debt and I owed them {$3800.00}, I told them this was supposed to be cleared and I shredded the check they sent and advised as to what happened, now they refuse to clear my account and the girl said they may have to send me another check and I would need to cash it and pay them again, I am in fear they send another check then they will say I owe them over 7000, I told them you are a bank, can you not see I never cashed the check and they should just put a stop pay on it and this would be cleared up, I dont know what more I can do

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I ordered my free annual credit reports from Equifax, XXXX, and XXXX on the same day. The reports from XXXX and XXXX  arrived within 15 days, showing the date ordered ( XX/XX/XXXX ). The Equifax report arrived about a month later, showing the date sent ( XX/XX/XXXX ). When I called asking them to correct that mistake they said they couldn't and I would have to wait until after XX/XX/XXXX to order my report next year. This is unacceptable since it is the first time that all 3 reports didn't have the same date in them. The federal Fair and Accurate Credit Transactions Act provided for these free annual reports and they didn't call it the " annual, plus 25 days '' report. I always order my credit reports on the same day and don't want to delay two reports that come on an annual basis to allow for more than a year for delivery of the third report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I had a lost card and closed the account.  The banks always tell you that you need to update information for auto pay accounts.  I had had a problem with a XXXX account I couldn't close so I thought that this would go away, but it turns out the B of A transfers the payment to the new card without the knowledge of the consumer.  This means that you can't stop charges even if you get a new card.  I don't believe it should be legal for the bank to give out your new card number without giving you the option to say no.

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 2019-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Debt collector is Portfolios Recover Assoc LLC, a/s/o XXXX XXXX XXXX, a/s/o XXXX XXXX   XXXX Acct : XXXX XXXX. Amount exceeds {$1800.00}. Debt incurred in 2009 and ten years have elapsed without incurring further obligation or extending the original contract. Account is uncollectable because a 10 year statute of limitations applies in the State of Illinois ; however mailings and several phone calls per week continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Still having issues with the credit bureaus reporting erroneous information on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
I am submitting a complaint because I was told that the mortgage company can not file a allonge that is not attached legally to the note, it can not be submitted separately, also why did they submitted a note that includes my ex-husband which is not current. 
I have attached what was was submitted to the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase is holding my money in escrow from an insurance claim check. I've had an inspection and they say I'm 50 % complete with the project. Additionally, I've submitted {$75000.00} in paid receipts. 

Chase has only released {$60000.00} of the total {$170000.00} in total insurance funds ... which is 33 %. 

I've tried numerous times to get help, but they refuse to release a reasonable amount of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens Bank overdraft policy " it's up to the discretion of the bank '' that is the explanation given by someone in the chairman 's office. This makes it impossible for the average person to understand when an overdraft will occur. In the past six months I was overstaffed even when I opted out of the program Credit card payments made within 30 seconds of each other one was paid one was initially paid but returned 2 days later. 
Money spent on games can be denied but after an hour allowed Bank charges {$6.00} per day while account is overdrafted Several Payments made have been charged overdraft fee and a returned payment fee when they are retroactively returned Payment types can be denied one month allowed the next month Scheduled payments like newspaper subscription always allowed. 
The overdraft policy of " it's up to the discretion of the bank '' means the rules are fluid and not predictable. My XXXX makes me impulsive and the fluid rules make it harder to manage money. The end result is the bank collects hundreds of dollars each month. I haven't changed banks because I was trying to solve problems as a customer but with overdraft occurring even when i opt out of program I have no choice but to find another bank of keep money under mattress. Clearly the fluid rules that change from month to month make it impossible to manage overdraft and the daily overdraft account feed only add to the banks take from my pension.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To whom it may concern. 
UNFAIR RETURN ITEM FEE I tried to transfer {$3000.00} from my personal account ( BOA ) to my business account ( XXXX XXXXXXXX XXXX XXXX ) on XX/XX/19 FRIDAY on BOA webpage. 
and i found out XXXX account was merged with other banks. 
I called XXXX XXXX and they said your routing number has changed. 
so i met the bank teller ( in XXXX branch ) of BOA to tried to fix my transfer information ( my routing numbers ) on same FRIDAY afternoon. 
He said there is no extra fee on fixing information and if the transfer fail the fund will be returned to my account automatically. 
I ' ve been to BOA on wednesday XX/XX/19 again to find out what's going on. 
she who is another teller from friday said i still need to wait more and even though routing numbers were changed and it still can be transferred so i believed that and had to wait again. 
On friday XX/XX/19 morning my {$3000.00} has returned. 
At the same time BOA charged {$35.00} for return item fee. 
This is very deceptive charge. 
I paid {$3.00} for 3 days transfer and wait 7 days but they didn't do it right. 
and charged me another extra {$35.00} for nothing. 
what did i do to deserve this? 
i think this is unfair. 
i hope this problem will be fixed. 

regards

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 2019-08-23 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: MD

Complaint narrative:
On XXXX XXXX XXXX XXXX filed law suit against me XXXX XXXX XXXX XXXX over a Furniture Purchase from XXXX XXXX XXXX, XXXX XXXX   claimed I owed {$4900.00} on a {$6400.00}. Through research I was able to find out that the value of the furniture was only {$2000.00} Which was nearly paid off. I agreed to pay up to {$2000.00} At the time of purchasing the Furniture I was under seven different medications from three Doctors and XXXX, I told XXXX XXXX and XXXX XXXX I wanted to have some review the contrats but they said they could not hold my furnitiure.When I found out the value of the Furniture, I requested the cost be reduced based on over charge. 
On XX/XX/XXXX XXXX XXXX filed suit and I was prepared to prove to the courts overcharging. The XXXX County District Judge dismissed the case which XXXX XXXX did not prove I owe the funds requested in the suit. The Case Number is XXXX. The XXXX County MD Judge ID : 0AA, Case Dismissal Date listed as XX/XX/XXXX. ( See XXXX County Md Court Clerk Copy of Court Order ), I have challenge XXXXXXXX XXXX refusal to remove this item from my file .Experian Report # XXXX Dated XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HW Holding, Inc
State: AL

Complaint narrative:
This year out of the clear blue I received a letter from Hunter Warfield Inc a debt collector. I have never heard of these folks I have never had a contract with them nor ever gave tne consent to have my personal private information. They are reporting fraudulent information on my credit report and i want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Evergreen Financial Services Inc.
State: WA

Complaint narrative:
While trying to do a refinance on my home it was learned that Evergreen Financial had put a judgement lien on our property for $XXXX. This was from XX/XX/XXXX and was discharged in our bankruptcy that was discharged onXX/XX/XXXX. They are refusing to give us proof that it was expunged. They are also refusing to remove the lien. Our “attorney” stated he dropped the ball on getting this taken care of as well. We were ready to close on the loan XX/XX/XXXX until this happened. The attorney, XXXX XXXX is wanting me to go to the Superior Court to get any docs showing it was expunged and then he will fill a motion at my expense. Evergreen is making no effort to resolve this issue even though the case is so old it is no longer in the system.Their contact info is :Evergreen Billing SolutionsXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Debt collector is XXXX XXXX XXXX XXXX, a/s/o GE Money Bank, a/s/o Sam 's Club Acct : XXXX XXXX. Amount exceeds {$1800.00}. Debt incurred in 2009 and ten years have elapsed without incurring further obligation or extending the original contract. Account is uncollectable because a 10 year statute of limitations applies in the State of Illinois ; however mailings and several phone calls per week continue.

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 2019-08-23 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:
Accounts appearing on my credit file due to Fraud

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 2019-08-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello EquiFax, One of my credit information has just been update while it being closed sinceXX/XX/XXXX. I have attached the new negative mark that has been placed on my credit report for the XXXX account XX/XX/XXXX.I also checked the same account with XXXX and you are also reporting a different closed date of XX/XX/XXXX. Please delete this account due to wrong misleading information. Please see attachment..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: MA

Complaint narrative:
I would like to file a complaint against XXXX and Enhanced Recovery Co. XXXX. 

We notified the cable and internet company XXXX that we would be moving from XXXX XXXX to XXXX XXXX XXXX in XX/XX/2017. They informed us that we had signed a 2 year contract for their services. We mentioned that we would happily either move our services to our new home in XX/XX/XXXX and or switch our account in XXXX to our new tenants renting on premise. 

XXXX informed us that they do not service our current address in XXXX XXXX and that we could not switch the account to our tenants. We argued that " if you can not provide us service at our new home, how could you not release us from our contract? '' We believe that these business tactics by XXXX and their collection agency Enhanced Recovery Company ( ERC ) are unfair, unethical, and irresponsible. We have had multiple conversations with both entities to inform them that this charge of {$800.00} is unwarranted and bogus. As longtime client of XXXX our account was otherwise always in perfect standing with timely payments ( automatically paid every single month during a 5 year period ). 

As a consumer, the charge is now impacting my credit score and I would like to rectify the situation. 

Thank you in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Recovco Mortgage Management, LLC
State: FL

Complaint narrative:
My wife and I submitted our entire financial information (Social, Bank statements, etc) literally over 1 month ago and have been told every time they are "looking into our eligibility". They mentioned it would take 5 business days. It's been literally 32 days. I have called NUMEROUS times, left voicemails, and no one ever gets back to me unless I continuously call and finally get ahold of someone. Upon being on the phone, they only say "we've reached out to our team and we should hear back soon".Also,  just 2 DAYS after leaving this review on XXXX, I've started receiving MULTIPLE spam calls saying there is a warrant for an arrest, that my SOCIAL SECURITY number has been suspended (like that can even happen) and further my PERSONAL XXXX was banned out of nowhere.I would BET MONEY that this company was dissatisfied with my honest review and gave out / sold my information as well as reported my account to XXXX (for nothing) to get my account disabled. (believe it or not, fXXXX doesn't check on reports, it just automates the response)

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I was on a trial modification & my final payment was never applied, I immediately contacted the Servicer ( email attached ) who told me that it was too late & my trail was cancelled. They believed I sent the payment to the regular payment address. I have a witness who mailed the payment at work & can confirm it was mailed to the address previously used. I filed a complaint w the CFPB & submitted an appeal w the servicer. I received no response for the appeal & was told that they were still working on the cfpb complaint. However I have a sale date in a few days, so I requested that it be placed on hold pending the result of my complaint & appeal. This was denied. I was advised to submit a new complete assistance package, at least 5 days prior to the sale, which I did via email. When I called to follow up, I was told that it has not yet been uploaded & it may take 3-5 days. This seems unfair, that if I sent it in prior to the 5 day deadline, the servicer will take so long to upload, possibly after the sale date or without enough time to be reviewed. Previous complaint # XXXX

Company response to consumer: Closed with explanation