vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
My Mortgage company is Phh service in XX/XX/2019 it was sold from Owens Mortgage I was on a modification program for 3 months paid trail period on time was told I would get my regular monthly payment 30 days before my trail period end which was XXXX I call several times before my trail period ended and was told to just make my regular payment I received my modification 3rd wk of XXXX already made my XXXX payments 1st wk of XXXX then I get different letter stating different amounts due XXXX statement said my escrow was short and I would have to pay XXXX more. Shouldn't they have know this when they sent my modification papers to be notarized and send back by the 4th wk in XXXX or given me more notice. Pls help me i call try to talk to my relationship manager several times before i received the escrow shortage notice never received call back

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I never received a bill and then I got negative reports on my credit that's effecting my credit..I called FED loan servicing and they said the report couldn't be reversed and it wouldn't show on my report because its a fed loan. was told this loan was going to be deleted off my report cause school went bankrupt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
Auto loan opened on XX/XX/2018 in the amount of {$6600.00}. I was never contacted from the creditor or the 3rd party regarding debt validation or anything. This company is in violation of the federal debt collection practice. The account was sold to a 3rd party  without my permission and without my knowledge, which is perpetrating identity theft.

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 2019-09-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: OH

Complaint narrative:
On XX/XX/XXXX, I received a robotic message from a collections company claiming to be Midwest Recovery LLC. My mother and husband received similar calls for me from this company. I had no communication from them prior to this date. The same date, my XXXX  and XXXX  credit reports showed collection accounts with this company. I know this is not legal. No notification of this alleged debt, no information until the date you report it? What about my right up dispute the validity of the debt? The next day, the account was on my XXXX   account. I have no collection accounts on my credit report. I have good freedom. I believe this company seeks out those in situations like mine do they can bully them into paying a fraudulent account. They know they care about their credit. I called the company on the morning of XX/XX/XXXX, anguished about my now tarnished credit. Before I could get two words out, the representative told me the debtor would accept less than 50 % settlement and delete it from my credit. To me this proves this company is fraudulent. Why wouldnt you want the full amount I owe and why would you use credit deletion as a bargaining tactic? I didnt ask for it. You offered because you get people to pay just to get it off their reports. You are bottom feeding snakes. Disgusting! The account is not mine. I have a military spouse. That makes me ineligible for these types of products. I have not taken a payday loan. I literally have 15 credit cards. I don't need a payday loan! The checking account number they provided in which the alleged funds were deposited is not mine. I have been employed with XXXX XXXX for 12 years so I have an account with them and XXXX XXXX. I almost offered to pay just so they would take it off my credit. I almost fed into their deceitful tactics. This is UDAAP at its finest. But I refuse to let them get away with this. There are so many online complaints from other people with the same story. You should be ashamed of yourself, Midwest Recovery!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The balance on one affirm loan is XXXX paid off the balance on the other affirm loan is XXXX For two months I have asked this company to update my credit report to show accurate information and they have refused. Also I filed a dispute with the credit bereau Experian and they lied to Experian about the balance. 

I want the report to show accurate information as to fcra laws.

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 2019-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX is my 2nd mortgage holder, they have and continue to report me as 30 days late per my credit report. I was involved in a chapter XXXX bankruptcy since XX/XX/XXXX and have made my payments to the trustee every month religiously and they reported me 30 days late since XX/XX/XXXX with the most recent as of XX/XX/XXXX. I have been making my payments to them on time since XX/XX/XXXX and they agree that I have been current, they can not fix the late reports they say. I say they can and their errors are causing me to be denied for a fha refinance that will save me {$400.00} a month. I think XXXX XXXX XXXX just wants to keep me with their horrible loan product that I did NOT UNDERSTAND was a monthly interest rate change and feel that I have been taken advantage of. I knew it was a interest only and adjusted every year not monthly. The note does not show a monthly or annual adjustment either. I feel that I am stuck with them and they are horrible to deal with. I have to ask them every month for my payment amount as they haven't sent a statement to me unless I request them. 

Please look into this for me ASAP as i am distraught with dealing with them and my bankruptcy attorney has said I should dispute this with you and the credit bureaus but I dont know how to do that either. 

Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 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: Real Time Group, Inc.
State: FL

Complaint narrative:
Real time resolution my second mortgage company has been reporting me as 30 days late every month since XX/XX/XXXX to date. I have been involved in a chapter XXXX since XX/XX/XXXX and have been paying the trustee every month and the trustee has been paying the mortgage every month. I believe that real time resolution loan is a scam. I was not disclosed that this was an adjustable rate that adjusts every month I was told the adjustment was every year. I think real time resolution is just trying to keep me from being able to refinance their loan which would save me XXXX per month. This is what I've heard called propriety lending. I have had issues with getting monthly statements from real time and just mail them payments in excess of what is owed and asking them to apply overage to principal which they are NOT doing either. Please help ... this is out of control.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX reported that I paid my car loan late in XX/XX/2018 which is inaccurate. XXXX XXXX XXXX offered its customers Disaster relief for the Hurricane and I was granted relief. I made my payment on the date they informed me to start paying my loan again and they incorrectly reported me for late payment to the 3 credit bureaus. I want this removed 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 2019-09-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: RI

Complaint narrative:
It all started with emails. XX/XX/XXXX I asked XXXX XXXX from XXXX Nissan south if there are ever incentives to turn in a lease to then buy a used car. I told him right off the bat that I need to get either my payments, gas, or insurance cheaper because our dog with XXXX has increased our bills significantly. I went into XXXX Nissan XXXX on XX/XX/XXXX to discuss in person with XXXX about my options. I still had 4 lease payments due for my XXXX XXXX XXXX lease. I asked him about purchasing a used XXXX and he informed me that if I did that, the remaining lease payments would not be paid for the XXXX and that my best option is to lease a new XXXX. We went back on forth on price quite a bit, me having to constantly remind him of the whole reason Im turning the XXXX in early ( too much dog debt ). We finally agreed on a price and eventually I signed for the new lease and I thought that was it. I clearly asked XXXX if my XXXX is now all set and remaining payments waived. He said yes, 2 are waived by Nissan itself and 2 are being covered bu XXXX Nissan XXXX. A week or so later I received my {$700.00} check for 2 payments on my XXXX. Paid that and assumed its over. Fast forward to XXXX and when I go online to check out my excise ( property ) tax bill for last year I see there are still 2 remaining payments due on my account! And even worse, after 2 months, the XXXX had not even been grounded, making me responsible for it still!!!! I would have owed over {$21000.00} for a car that is no longer in my possession. The lady I spoke with at corporate was very concerned and suggested I IMMEDIATELY get XXXX Nissan XXXX to ground the Pathfinder and release my liability. The next day after speaking with XXXX via text I then received a copy of the grounding statement from the finance guy. XXXX had also told me that the XXXX will be all set and i wont be held accountable. Well thats great its grounded but he never took off the remaining 2 payments!! I NEVER would have turned in my lease early if I still would have owed payments. Someone coming into a car dealership nearly crying that the bills are too high and I need to lower them would never agree to {$700.00} extra. I was absolutely take advantage of, and feel like XXXX Nissan XXXX is giving me the runaround for something that should never have been a problem and should not have been my burden to bear in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: DE

Complaint narrative:
I took out a school loan for {$9000.00} back in XX/XX/1994.I didn't pay it back on time.They then garnished my wages. I went through a good faith program were I paid x amount of money for a year and they lifted the garnishment I been paying faithfully for almost 20 years and now I owe {$33000.00}. I pay XXXX per month now. at the end of this year I will owe more then I owed at the beginning of this year .Something is so wrong with this picture please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Emails to XXXX, Executive Escalations <XXXX> with Email subject Disputes of XX/XX/XXXX credit report and attachments Please find attached credit report for your ease of reference and resolution. 
1. I have never used XXXX XXXX. Please provide source of " XXXX XXXX '' contact information or permanently remove fraud from my report. 
2. I have lived without interruption at XXXX XXXX XXXX since XX/XX/XXXX. please correct. 
3. As I have lived without interruption at XXXX XXXX XXXX since XX/XX/XXXX please remove this fraud. 
4. As I have lived without interruption at XXXX XXXX XXXX since XX/XX/XXXX please remove this fraud. 
5. This statement corrects XXXX  XX/XX/XXXX credit report fascinating dishonesty. The XX/XX/XXXX 30 day late was authorized by XXXX XX/XX/XXXX email attached amendment to contract agreement, initialed by XXXX XXXX. 30-day late requires correction to OK, not late. The XX/XX/XXXX final payment 90 day late was authorized by XXXX XX/XX/XXXX email attached amendment to contract agreement, approval initialed by XXXX XXXX. 90-day late requires correction to OK, not late. XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX OKs verify loan overpayments, per XX/XX/XXXX amendment to contract agreement, of ( {$460.00} * 3 or {$1300.00} ). Result : untruthful charge-off. {$1300.00} refund awaited. Please reference attached XXXX XXXX XX/XX/XXXX removal of XXXX 's dishonesty. 
6. Please provide my documented authorization or immediately remove from my credit report. 
7. Please provide my documented authorization or immediately remove from my credit report. 
8. Please provide my documented authorization or immediately remove from my credit report. 
9. Please provide my documented authorization or immediately remove from my credit report. 
10. Please provide my documented authorization or immediately remove from my credit report. 
11. Please provide my documented authorization or immediately remove from my credit report. 
12. Please provide my documented authorization or immediately remove from my credit report. 
13. Please provide my documented authorization or immediately remove from my credit report. 

Respectfully :

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 2019-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
{$680.00} was taken out of my bank account for a debt that isnt on my credit report and by someone Ive never borrowed from called Asset Acceptance LLC XXXX from a court order dated XX/XX/19. They say I owe {$3900.00} but there is no way I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I Purchased a couch from Ashley 's furniture in XXXX XXXX, FL in XX/XX/2018. In XX/XX/XXXX I complained that I had the wrong couch and and disputed with Synchrony bank, the creditor. 

After fighting with them they agreed to replace the couch and I selected a replacement for the couch. The manager XXXX agreed to this in writing. Since that time ( XX/XX/2018 ) Ashleys furniture has REFUSED to follow through with the agreement to replace the couch. This entire situation could be settled right now, but Ashleys refuses to do the right thing. 

Now dealing with Synchrony is basically impossible. When you dispute they refuse to give a phone number or one that rings endlessly. The refuse to give an email to correspond with anyone about the dispute and to present evidence. They ask you to FAX ( yes, fax ) everything. This is because all a dispute consists of is computers talking to each other. I have show Synchrony Bank the evidence and they refuse to allow me to speak with the disputes center and refuse to come to any resolution. I have faxed information showing everything in my favor and they refuse to listen and now deny ever getting this information. They make it impossible to effectively dispute. 

I have been going at it with them for over a year and a half, and now they are sending negative information to my credit reports. 

This has caused excessive damage and hardship to my life, and I DON'T EVEN OWE THE MONEY.

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 2019-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: UT

Complaint narrative:
In approximately XX/XX/XXXX a medical bill for {$570.00} was sent to collections care of the CBE group. Between XX/XX/XXXX and XX/XX/XXXX that collection was removed and a new collection was added of the same amount labeled as being from CBE group former. 
This is re aging and it's illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Due to identity theft, I placed a credit freeze with all 3 credit bureaus in XX/XX/XXXX. I removed the freeze early in XX/XX/XXXX, with all 3. For XXXX  and XXXX, the process was fairly easy. For Transunion, I had to request a new pin number, by mail, which I received in XX/XX/XXXX, and used to lift the freeze on XX/XX/XXXX. I recorded this date in my notes on the process. 

I recently applied for a line of credit, and discovered ( on XX/XX/XXXX ) that a freeze was ( incorrectly ) still in place with Transunion. I tried to remove the freeze online and received an error message. This launched me into a painful series of phone calls with Transunion, which spanned multiple days, and involved me being handed off to at least four different people, and ultimately being transferred to their " US call center ''. At my final phone destination, I spoke with someone who was able to resolve the error and lift the freeze, which I confirmed online while I was still on the phone with her. I also made it clear that I wanted the freeze lifted permanently, not temporarily. 

I know this removal worked, as my bank was able to successfully pull my credit from Transunion and complete my application for the line of credit. 

Yesterday ( XX/XX/XXXX ), I applied for a new credit card ... and was told that they could not complete the application because there was a freeze on my Transunion account. I immediately went online with Transunion ... and saw that the freeze was, in fact, back in place. I tried to remove it, and received the same error message that started the whole removal process that I went through a couple of weeks ago. 

This is ridiculous. This company has too much power to waste my time, interfere with my financial life, and create annoyance to have such minimal responsibility for correcting errors in a timely and painless way. I would like to see my problem resolved immediately ... but beyond that ... I'd like to see Transunion ( and the others ) being held to a higher and more appropriate standard.

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 2019-09-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Ardmore Finance Corporation
State: OK

Complaint narrative:
Last month around the XXXX of XXXX I went to make a payment, the lady said their rates changed and I can recieve money. I asked what my regular payment was because I did not want a raise and she couldn't answer me because she already did it without my consent. Then she just kept ignoring me. I couldn't speak to the manager because she has been gone and I also found it odd that the old lady ( that wears a XXXX XXXX ) is using the managers initials and notoriety stamp to sign the document. I have been waiting to speak to the manager, but she still has not returned.

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