vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Real Time Group, Inc.
State: AZ

Complaint narrative:
The compliant is with XXXX XXXX XXXX a company that holds a second mortgage lien on our property. A chapter XXXX bankruptcy was filed in XX/XX/2009 which discharged both the first and second mortgages. We have continued to pay the first mortgage but not the second at the advice of our lawyer at the time of the bankruptcy. Neither the first or the second mortgage was reaffirmed. We have tried to work with Real Time through  XXXX XXXX and have offered Real Time a {$22000.00}. settlement to release the second lien. Real Time advised both myself and XXXX they would accept the {$22000.00}. and would send the contract to XXXX. The loan was changed from a HARP loan to a conventional loan and the home was appraised at XXXX. The current amount owed on the first is about XXXX and quicken was going to approve a loan of XXXX ( 80 % ) of the appraised value to pay off the first mortgage, pay closing costs and pay Real Time the XXXX. Real Time also stated they would be sending a contract to quicken to complete the loan. Real Time did not send the contract and now the Real Time rep states he did not agree to XXXX and now they are saying they want XXXX to release the lien. Neither XXXX or myself can do this and XXXX cancelled the loan. I discussed the matter with the XXXX Rep and she said they did tell her they were going to accept the XXXX settlement which is why XXXX proceeded with the conventional loan process. I believe a good faith offer was made to Real Time based on what I was able to do working with XXXX. Both XXXX and myself were told the offer was accepted and we have E-mails between XXXX and Myself stating they agreed to the offer. 
If the home 's value continues to appreciate and I keep making my mortgage payments so I believe it will, I believe Real Time will try and foreclose when they feel there is enough equity in the home to justify them Paying off the first. I believe they have acted in bad faith and failed to honor a verbal agreement which has caused severe stress on myself and wife and caused a loss of funds and many more work hours for XXXX XXXX  to try and complete a loan they had approved based on information they received from Real Time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
OCWEN is our loan servicer and they have scheduled a foreclosure sale for XX/XX/2018, even though they gave us a loan modification. They kicked us out of the modification and claimed our first trial payment was late. However, our payment WAS MADE ON TIME and we are getting the runaround by their representatives. We fell behind on our mortgage payments after we went through some tough times financially. We went through their modification process and we got a modification with an affordable payment. I sent in our payment, but they claim it was late and not the right amount. However, I have proof that it was not made late and that it was the exact amount they requested. 
We see that OCWEN got in trouble for this type of behavior and your agency fined them {$2.00} XXXX, but it appears it is just business as usual at OCWEN. We also have concerns regarding the significant increase in our loan amount when we refinanced our loan. Our balance was about {$110000.00} and we took out {$20000.00} to alter the home to meet the needs of our son. However, when he dust settled from the refinance, the balance on our loan ballooned to over {$190000.00}. We tried to get an explanation from our Broker, but we could never get a straight answer. 
We are hoping you could press them to do a formal review of where our money has gone and why our loan went up over {$50000.00}. I have never spoken to the same person twice at OCWEN, have never been able to get our single point on contact on the phone more than once, can not understand them some times and they just keep us in an endless cycle of wasted time and effort. Our current income is sufficient enough to make a reasonable mortgage payment and we want OCWEN to take a step back from foreclosure proceedings and initiate a proper review to resolve our mortgage issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently moved to a new apartment ( XX/XX/2018 ) and was approved for the lease after the apartment complex confirmed my credit history. Upon moving in, I contacted XXXX XXXX XXXX ( XX/XX/2018 ) to request internet at the new apartment and they performed a credit check with Equifax. For some reason, this came up with a block on my credit and after submitting all of my information to Equifax trying to verify my identity ( Driver 's License, SSN, DOB, Address, etc. ) they came back and told me it could take up to 30 days to process the request and verify my identity. I have no idea how I was approved for a 12 month apartment lease in consecutive years and my credit appears clean, however Equifax has placed a block on my credit making it all but impossible to get approved through XXXX XXXX XXXX for wifi. I must now have a Co-signer on my internet account ( $ XXXX/month ) when I have not needed a co-signer on either of the two apartment leases ( each over $ XXXX/month ) that I have applied for over the last two years. They will not discuss why I have a block on my credit. I do not know what else to provide to verify my identity, and as I work from home I need wifi to do my job. Their incompetence and unwillingness to help me resolve my issue is extremely frustrating and I would like an explanation from them on why I am unable to receive credit approval for an internet account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Have received several mailings from them stating I have been approved for lower interest from XXXX but when I try they keep telling me that I have inadequate income. Have not missed making a payment eve ( except for period when I was in bankruptcy ) almost always paying more than the monthly requirement. Not only have I called t hem but have sent them several written requests. They simply are not working with me. 

Loans are actually for all XXXX  of my children so is a Parent Student loan. 

I would like to get reduced interest so the loan can be paid off sooner. On fixed income so every bit reduced would be helpful. I don't expect any loan forgiveness knowing that I am responsible to settle my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
for the last 6 months I get a phone call once a day from this company XXXX XXXX XXXX. They even call me on my work phone and they ask me for XXXX. 

There is someone on my XXXX XXXX family plan that has paid off their phone debt. This is the only reason they could be calling me. As I said the debt is not mine and it has already been paid yet they continue to call me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Upon investigation of my credit reports I ran across the following unauthorized inquiries. I have already disputed the inquiries and XXXX, Experian and XXXX stated that the inquiries were validated despite me sending in identity theft report. I did not authorize or make the following inquiries please remove from my credit reports : Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX F XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX CARD SERVICE XX/XX/XXXX 2018

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 2018-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: AZ

Complaint narrative:
Collection has been added as duplicate after this account with the original creditor was deemed unverifiable. The previous collector ( XXXX XXXX XXXX XXXX ) was removed from my XXXX and XXXX credit report for lack of verification on XX/XX/XXXX and just recently re-inserted on XX/XX/XXXX by Waypoint Resource Group/ XXXX for the same account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCC Business Services, Inc.
State: CA

Complaint narrative:
I mived out of my apartment. I always paid rent on time as agreed. When we moved they kept the security deposit and then they came out of nowhere saying I owe them an additional {$2000.00} I just plain and simple don't owe them this. They are trying to take it to collections and threatening my credit and my livelihood. They have no legal grounds, I have never acknowledged that I owe them this. I was informed by a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Upon investigation of my credit reports I ran across the following unauthorized inquiries. I have already disputed the inquiries and XXXX, XXXX and Transunion stated that the inquiries were validated despite me sending in identity theft report. I did not authorize or make the following inquiries please remove from my credit reports : XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX/XXXX XXXX F XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX  XXXX CARD SERVICE XX/XX/XXXX 2018

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 2018-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Upon investigation of my credit reports I ran across the following unauthorized inquiries. I have already disputed the inquiries and Equifax, XXXX and XXXX stated that the inquiries were validated despite me sending in identity theft report. I did not authorize or make the following inquiries please remove from my credit reports : XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX/XXXX XXXX F XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX CARD SERVICE XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-27 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Earlier this year, I noticed I had an adverse account that I did not recognize from XXXX. On XX/XX/2018, I immediately contacted them for validation of the account. Initially I received nothing in response. Since then, I have requested the same information on 3 different occasions. What I received on my 2nd ( XX/XX/2018 ) and 3rd ( XX/XX/2018 ) occasion was a copy of a final bill from XXXX XXXX, a company Ive not done business with. What I was expecting in return was a package including contracts and signatures validating my ownership of the account and my agreement to repay said account. It was at this time that I realized XXXX XXXX AND XXXX were both negatively reporting on my credit reports simultaneously for the same account. 
Please delete this account from my XXXX XXXX and XXXX reports as this company has violated multiple FCRA laws in this inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On or about XX/XX/2018, I receive a letter from Citi Bank stated that they were unable to locate my application for XXXX XXXX XXXX Visa card ( please see attachment Citi Card Letter ). Citi bank also request my application ID number on decline letter. 
On or about XX/XX/2018, I provide the Citi Bank with my application ID number on decline letter ( application id XXXX ) via email ( please see attachment ) On or about XX/XX/2018, I contacted citi Bank to ask about status of of my case. 
Until now, Citi Bank refused to give me any answer. 
I believe Citi Bank discriminates against me because of my race XXXX, Nationality origin XXXX, Sex XXXX, Age above 40, and Exercising in good faith my rights under the Consumer Credit Protection Act ( I filed complaint against Citi Bank to Consumer Financial Protection Bureau Case # 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 2018-11-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Servis One, Inc., Titusville, PA Branch
State: OH

Complaint narrative:
XXXX has failed on complying with the CFPB rules on : Early Intervention ( XXXX XXXX  XXXX ) A servicer must establish or make good faith efforts to establish live contact with a delinquent borrower not later than the 36th day of the borrowers delinquency.12 As clarified in CFPB Bulletin 2013-12,13 servicers are required to make good faith efforts to establish live contact for each billing cycle for which a borrower has been delinquent for at least 36 days. A transferee servicer must begin or continue the good faith efforts regardless of whether the delinquency began while the loan was being serviced by the transferor servicer. A servicer must provide to a delinquent borrower a written notice containing certain information not later than the 45th day of the borrowers delinquency.14 A transferee servicer must comply with the written notice requirement regardless of whether the delinquency began while the loan was being serviced by the transferor servicer. XXXX waited for one full year before contacting me about the loan even though I sent a CFPB complaint to XXXX  within weeks of the transfer notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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: TX

Complaint narrative:
I disputed with a Experian on XX/XX/XXXX on XXXX XXXX XXXX, Account # XXXX. They stated it was verified and updated but they didnt actually verify it. There has been no date of status since XX/XX/XXXX which means the account was never investigated. This is violations of FCRA and FDCPA and it needs to be deleted immediately.

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 2018-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: NC

Complaint narrative:
Since Seterus, Inc., has taken over my home mortgage I have had repeated problems with them managing, handling and providing me requested information and documents. I also feel they have, in part, violated the Real Estate Settlement Procedures Act ( RESPA ), 15 U.S.C. 1679-1679j, as noted below.

Below is a list of several problems in which I need your agency to assist me with if possible.

Issue Complaint 1 Failure to update my mailing address to reflect XXXX XXXX XXXX, XXXX, NC XXXX. 

# 2 Failure to provide me a copy of my original loan documents.

# 3 Failure to provide me a copy of my escrow statements for the last 12-months.

# 4 Failure to provide me an account payment history for the last 24-months. I contend that Seterus is charging me {$19.00} a month late fee claiming I am a month behind in payments. My records indicated my account is current.

# 5 Failure to process my request for an escrow account closure since I do qualify.

# 6 Violation of the Real Estate Settlement Procedures Act ( RESPA ), 15 U.S.C.

1679-1679j : 1. A consumer must receive an initial escrow statement which itemizes the estimated taxes, insurance premiums and other charges, if any, anticipated to be paid from the escrow account.

2. During servicing of a loan, the servicer must send a consumer an annual escrow statement summarizing the activity of the escrow account 3. If a consumer is charged an excessive amount for an escrow account or required to put extra money into an escrow account above the amount required by law.

ISSUES 1. My mortgage payment is {$710.00}, {$190.00} ( principal ), {$300.00} ( interest ), {$220.00} ( escrow ). However, Seterus has been debiting from my account and extra {$19.00} for the past several months for a late fee, I do not owe.

2. In XX/XX/XXXX, my mortgage payment went to {$920.00}, {$190.00} ( principal ), {$290.00} ( interest ), {$430.00} ( escrow ). NO NOTICE WAS GIVEN TO ME.

3. I have been advised I will continue to pay this escrow amount until XX/XX/XXXX. 
This is an excessive amount. My property taxes have remained {$2600.00} for the past two years, my insurance payment {$810.00} per year.

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 2018-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: NJ

Complaint narrative:
My mortgage application fell through because of this company 's negligence and incompetence. Their loan process, where multiple people sends and asks information online ( repetitive often times ), and ignore customer 's comments and questions. Few days to closing, this company stated their concern about the source of my funds and had to decline my application unless my wife is included in the loan. This is three days  before closing! The funds source was mentioned early on the application and I have been transparent with them and responds on time. If they actually paid attention to details and did their due diligence, it would not have reached this point. The customer is at the losing end and this company should be at fault and be held responsible. The manager and  the customer representative, XXXX XXXX and XXXX XXXX, were not as apologetic as they should be. 

I should have taken seriously the complaints against this company by numerous customers as seen in different review websites so I would have not been a victim myself. 

Consumers should be warned not to do business with this company and the government should also take a close look/investigate as to how this company do 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 2018-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JMD,LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) is collecting for a medical bill that I informed them that I already paid it. We had/still have medical insurance. I paid the remainder balance that my insurance did not pay ( my portion ) and I should not owe any thing else. Telling them this constituted a dispute. They did not provide me with any documentation that I actually owe it and just reported it on my credit report. It's {$94.00}. So my 40 year near perfect credit history is now ruined over this? I think the last 40 years shows if I owed it and knew it I would pay it. Then XXXX puts it on my credit after knowing that I disputed the charge. This is wrong. Give me a statement or some documentation to show I owe it and give me an opportunity to pay the alleged debt if in fact I do owe it. I don't believe I do and there should have been some effort to validate this.

Company response to consumer: Closed with explanation