vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
i purchased my home XX/XX/XXXX i have the deed to show as well as the county. PHH mortgage is saying i purchased my home XX/XX/XXXX, i did a modification w them in XXXX my balance was 215k they advised me that they were going to put 55k  on the back of my loan but instead it was added to 215k which increased my balance they said after the modification my balance is 313k i have been going back and forth with them for awhile. i have been trying to do a refi but my balance is so high from the modification that i can do a refi. So I've been trying to get someone to assist me with this issue or help me understand. I've been in my home for XXXX  yrs and never missed a payment or did a refi. I did the modification for a lower payment which it was lowered by XXXX XXXX but that cost me 55k to my balance. my mortgage company is not helping me understand I've sent several emails and letter and i'm not getting anywhere. I did the forbearance this year XXXX so i understand this amount will be put back on my loan. but its not 55k I've never done a refi but even if i tried the mortgage company will take it XXXXyrs i should have plenty of equity but the mortgage company will be taking it. can you please assist me.

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 2021-12-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2021 I wrote to Experian to bring to their attention multiple accounts they have furnished on my consumer credit report that were false and/ or inaccurate. In my letter, I explained the reasons for the accounts being false and the reasons why they require removal. In accordance with the FCRA, a federal law, I was very clear and gave them ample time ( 30 days ) to reinvestigate these accounts and provide me with specific information from their investigation - also in accordance with federal law. Although federal laws are also public knowledge, I also explained to them in my letter that if they did not conduct a proper investigation as required by law within the 30 day window, these accounts would need to be deleted from my consumer credit report. To add to my certified mail receipts, I have sent them a demand to comply letter on XX/XX/2021, 31 days after the dispute was initiated. It has now been 32 days. Federal law states, that credit reporting agencies have assumed a vital role and there is a need to insure they exercise their grave responsibilities with fairness and respect to the consumers privacy. Federal law also states that consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce for consumer credit in a manner which is fair and equitable to the consumer. At this point, this is not fair or equitable and it has caused me much distress to still have these inaccurate and false accounts attached to my credit report. Please, as the CFPB, please support the consumer agencies in doing what they already must do- comply with federal law and treat consumers fairly.

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 2021-12-01 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: Nelnet, Inc.
State: MI

Complaint narrative:
In XX/XX/XXXX, I consolidated 3 student loans that were being serviced by Nelnet. The loans had been under a forbearance in accordance with CARES Act COVID-19 emergency relief. On my credit report with each of the 3 bureaus, a code/remark was added : " Affected by natural or declared disaster '' and remained on the reports throughout XXXX. In XX/XX/XXXX, my credit score dropped by XXXX points due to the aforementioned code being removed from my credit reports by Nelnet. The 3 loans continue to be in forbearance in accordance with the emergency relief ; payments are scheduled to resume in XX/XX/XXXX after the relief expires in XX/XX/XXXX. The removal of this remark/code was triggered by my loan consolidation and with all other conditions remaining unchanged, this should not have occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Grain Technology, Inc.
State: CA

Complaint narrative:
I've repeatedly attempted to contact this company to make payments or connect a different bank so I can make payments. I first sent a support request on XX/XX/XXXX where I received an auto-reply that I would be contacted within 2 business days. I reached out again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with the same auto-reply and no response. My payment is now late due to their lack of response and it will affect my credit. Due to their lack of communication, I believe this company to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have contacted Experian numerous times to remove old information and information that is not related to me. I have been a victim of identity theft multiple times due to inaccurate information and 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 non-monetary relief
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
i have contacted all 3 credit bureaus as well as XXXX XXXX 6 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the 3 bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$910.00} balance and it is also reporting a credit limit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the 2 year history it is not uniform across the board which it should be...

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 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
i have contacted all 3 credit bureaus as well as XXXX XXXX 6 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the 3 bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$910.00} balance and it is also reporting a credit limit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the 2 year history it is not uniform across the board which it should be...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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 2021-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
I do not know this debt collector ( spring oak capitol ) they are trying to collect A debt that was identified as fraud and identity theft with A company called XXXX XXXX in the amount XXXX cents. The credit bureau removed this deft for fraud and identity theft in 2015. This company was recently sent A copy of the police report by XXXX yet lied and said they never received A copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
i was on my way to have a good credit score to buy a house, then i got sick in 2018, could not work, end up XXXX XXXX XXXX XXXX XXXX in the hospital and then to the V.A.because, my job took my insurance away, went to a XXXX XXXX, there they got me public aid and food stamps, link card, snap, and to wait for my S.S., finally got it, two years later, try to pay my debts, but they already sold them to collections agencies and they were charging the double amount

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 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I HAVE SENT LETTERS AND CALLED XXXX, XXXX AND EQUIFAX TO REMOVE ALL ADDRESSES IT HAS BEEN OVER 60 DAYS AND THEY JUST KEEP SENDING ME CREDIT REPORTS. I NEED THEM TO REMOVE THE OLD ADDRESSES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX filed a lawsuit against me in XX/XX/XXXX in small claims court on behalf of Bank of America for a credit card that was charged off on XX/XX/XXXX for {$3100.00}. 

I am currently a XXXX XXXX barely making ends meet utilizing my student loans and financial aid. The circumstances which led to the default of the credit card was that I was furloughed from my part-time job when the pandemic hit, I haven't worked since then, I contracted XXXX, and lost my father tragically -- all within the past 12 months. Additionally, I am taking medication for my XXXX and XXXX, while trying to remain enrolled in school to keep my financial aid. 

I have made several good faith attempts to negotiate a settlement offer with XXXX XXXX but they are refusing to accept my offer of {$1300.00}. When trying to speak with the XXXX, I felt belittled and threatened by him. He spoke to me in a condescending manner suggesting that I should go find a job like everyone else so I can pay this balance and then threatened me that they will see me in court soon if I can't pay the amount they are demanding.

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 2021-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Why you still posting these negative information on my account? I keep sending complaint to you about it! These accounts are not mine! They shouldn't be on my credit report! Im sure someone have my personal information

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 2021-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
For my XX/XX/2021 payment ( which was due on XX/XX/2021. I mistakenly made payment to XXXX for the amount owed on my XXXX card, This resulted in an underpayment of {$4.00} to XXXX and an over payment to XXXX. The payment to XXXX was on time. They received the on XXXX/XXXX/201 but as mentioned it was {$4.00} short of the amount owed. For this error of {$4.00} XXXX saw fit to charge me a {$29.00} late fee.even though the payment was not late. I contacted XXXX and they refused to remove the fee, even though the payment, though {$4.00} short, was not late.

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 monetary relief
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I HAVE SENT LETTERS AND CALLED TRANSUNION, XXXX AND XXXX TO REMOVE ALL ADDRESSES IT HAS BEEN OVER 60 DAYS AND THEY JUST KEEP SENDING ME CREDIT REPORTS. I NEED THEM TO REMOVE THE OLD ADDRESSES.

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 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I HAVE SENT LETTERS AND CALLED XXXX, EXPERIAN AND XXXX TO REMOVE ALL ADDRESSES IT HAS BEEN OVER 60 DAYS AND THEY JUST KEEP SENDING ME CREDIT REPORTS. I NEED THEM TO REMOVE THE OLD ADDRESSES.

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 2021-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
My mortgage loan forbearance was supposed to end on XX/XX/XXXX. I called Loancare LLC on XXXX week to work out a deferment on my loan after my forbearance ends on XX/XX/XXXX. Loancare took me off my forbearance without telling me and without my approval and now they are making my payment due XX/XX/XXXX instead of after my forbearance that ends on XX/XX/XXXX. This is not what I wanted or ask for. The customer service girl just did this without my approval and I was never notified I was being taken of forbearance early like this. It has caused me a tremendous financial issue because I was not prepared to start making my mortage loan payments until after XX/XX/XXXX when my forbearance ends. I have called Loancare 7 times since the XXXX week to get this resolved and all I get is put on hold and disconnected and brushed off competely and no one will get this corrected for me. They have so many complaints the hold time is 3 to 4 hours and it always disconnects when your waiting on hold. They will not call you back or make any attemps on their end to get your issue resolved. This is a government forebearance program to help consumers during this Covid pandemic and I have been taken full advantage of by Loancare for taking me off my forbearance a month early and I can not get any cooperation from them in any way to get this issue corrected. I am pretty certain they have violated forebearnce laws here and they need to be help accountable for their actions and horrible customer service. They have over XXXX complaints with the XXXX 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 2021-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
XX/XX/2021 I received an email ( to and old email account ) from XXXX XXXX XXXX saying I owed {$1100.00} for a new XXXX. Someone used my name and old email address and had XXXX XXXX XXXX  ship a new XXXX to a town XXXX miles from where I live. ( I have been a XXXX customer for 15 years and have never used XXXX XXXX XXXX. ) I tried multiple times to contact XXXX XXXX XXXX but could not because I've never had an account number with them. They sent this to a collection agency XXXX XXXX XXXX XXXX ) and after multiple contacts with them in XXXX and XX/XX/2021. I thought this matter was closed. 

XXXX XXXX, 2021 I receive an email saying that SUNRISE CREDIT SERVICES, INC. ( a SECOND collection agency ) had contacted XXXX regarding this same debt. So I called Sunrise and had to answer a number of questions and was told they would send me something in the mail. 

I am tired of spinning my wheels on this matter and sick of being harassed because someone committed fraud against XXXX XXXX XXXX using my name and email address. I can't seem to stop this ... can you please help me??

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 2021-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has been attempting to collect a debt that is not lawfully mine and has no standing. Upon my request for debt validation and documentary evidence, as required by federal law, the debt collector failed to provide said federally required evidence. Thus, this debt is null and void. On top of the fact that they have been taking part in abusive and unfair debt collection practices, that have caused me an immense amount of XXXX  The company is currently within a 30 day window to remit payment for the violations of law and my rights that they have committed, before litigation is pursued. They have an opportunity do the honorable- and lawful- thing so that we do not have to spend more energy on this in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
My ex-wife ( XXXX XXXX XXXX and I ( XXXX XXXX ) purchased the property located at XXXX XXXX XXXX, XXXX, Ohio XXXX in XXXX of XXXX. We took out an XX/XX/XXXX loan with XXXX XXXX XXXX XXXX ( 80 % ) and XXXX XXXX ( 20 % ) on XX/XX/XXXX. The home was awarded to me by the XXXX XXXX XXXX XXXX XXXX County, Ohio in XXXX of XXXX. I filed a XXXX XXXX  Bankruptcy in the XXXX XXXX of Ohio on XX/XX/XXXX and it was discharged on XX/XX/XXXX Ditech filed a claim for the mortgage in my case and the Trustee made monthly payments for 60 consecutive months to Ditech. There was a house fire XX/XX/XXXX for which there was homeowner 's insurance with XXXX XXXX XXXX. This policy paid {$19000.00} to the lender who was Ditech Financial ( the loan had been assigned to them ). Ditech originally cut a check to a contractor to repair my home in the amount of {$4800.00} which they subsequently stopped payment on when they filed for XXXX  XXXX Bankruptcy. They filed bankruptcy 45 days prior to receiving the proceeds of the fire insurance payment. I made exactly 56 phone calls to Ditech with no response or accounting of the fund. The XXXX XXXXXXXX Trustee also attempted to make contact as these funds were supposed to be sent to him. Regardless, Ditech never used any of the funds to repair my home ( it is still in a state of disrepair and has smoke damage ) and did not credit any of the funds against the mortgage balance owed to them. Additionally, Ditech did not credit any of the XXXX  years of XXXX  XXXX Bankruptcy payments made to them ( the trustee paid the mortgage as a conduit payment ). The Bankruptcy Court issued an order requiring the mortgage lender to properly adjusts the payoff balance- which never happened. Ditech Financial LLC/Green Tree Servicing , LLC assigned my loan to New Residential Mortgage XXXX XXXX on XX/XX/XXXX. I have not received any mortgage statements for three years. My ex-wife has received correspondence from Shellpointe Mortgage regarding the loan but there is no assignment of record in XXXX County, Ohio to this company. 

A foreclosure was filed by Shellpointe Mortgage in XXXX but has never been completed. 

I would like an accounting of this loan all the way back to the beginning. I want to see every expense and charge and every credit for payment made since the beginning of this loan. I want to know what happened to the fire money and what happened to the XXXX XXXX payments ( all 60 of them ). I want to be recognized under appropriate federal loan servicing guidelines as an individual able to receive information on this loan as I have paid on it for years and the property is in my name- as ordered by the Court.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation