vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
PHH mortgage purchased placed insurance on the property when my insurance expired. That was not a problem. I was notified to submit approximately {$2500.00} to cover the cost of the policy or PHH would place an escrow on my mortgage. I submitted the required money to reimburse PHH for the policy. They then refused to cancel the escrow account until I obtain a different policy even though I reimbursed the cost of a yearly policy. So I paid the {$2500.00}, and now I am paying an additional {$270.00} per month. I am trapped an trying to buy a policy but not getting cooperation from PHH. 
I have tried multiple times to contact their insurance department to obtain a copy of the policy, but keep getting cut off from the call for various reasons. 
I have tried to resolve this for the past 6 months and am frustrated by the lack of cooperation from PHH, and the multiple conflicting communications I received in the mail from them. I receive notices that the escrow is cancelled, then one saying it is not. Then another notifying me of the date my escrow is cancelled. 
When I call the customer service, its like the first time every time I call and I have to retrace my steps every call, this makes it nearly impossible to move forward. No body I talk to can help me. I am trapped into an escrow account while they continue to hold the money they asked me to send in to end the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
They call me SEVERAL times a week claiming that Navient and other companies are being sued, and I know it's a scam. I ask them every time to put me on a do not call list, and yet they continue to call.It 's always from a Washington DC phone number, and i block it every time, but they always change it up and get through. I'm so sick of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: CO

Complaint narrative:
Experian inaccurately reporting accts after documentation sent in

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 2019-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have a bank account with TD Bank. I needed my bank statements for XXXX and XXXX and was unable to get it on the phone. They asked me where the paper statements went and it was a long time ago but I had a lawyer taking them in but he returned them but never sent them to me. 

It was a while ago and now I have no statements. I could not use the banking by computer as I tried to do it but it would not work. I had legal loans and money coming in but now I can not prove what came in and went out as I get Social Security which says I have to keep less than {$2000.00} in the bank at all times. 

Could you have the bank mail me XXXX and XXXX bank statements as I paid some rent but can not prove it without you sending it as my landlord did not give me a receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC
State: IN

Complaint narrative:
This company calls and harassed me about a debt that I dont owe. This is for a phone that was returned to XXXX and is not owed. This company has also reported this debt twice to the credit bureau and appears as TWO SEPARATE accounts on my single credit report. I do not owe this debt.

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 2019-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Card Receivables Fund Incorporated
State: CO

Complaint narrative:
XX/XX/19 I have attempted to obtain information from XXXX XXXX XXXX  about the nature of a debt that they claim I owe. I have asked for an itemized description of the debt and how they calculated the amount that I allegedly owe. The alleged debt is past the statue of limitations, yet they claim they are still charging interest on the debt. XXXX XXXX XXXX  claims that they have no obligation to provide a written explanation that itemizes what I allegedly owe. The amount owed is allegedly $ XXXX.The original creditor is XXXX and the Creditor listed is Unifund CCR , LLC. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: CO

Complaint narrative:
XXXX  inaccurately reporting accts after documentation sent in

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 2019-11-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
In XXXX I receive a Home Affordable Modification from my servicing Company Select Portfolio Servicing XXXX XXXX  XXXX XXXX XXXX XXXX UT.XXXX ( XXXX ) XXXX My Modification was in XXXX of XXXX in the agreement Recital 3 ( c ) of the modification agreement the total Deferment amount of XXXX would be waive in thirds on each anniversary of the modification as of XXXX of XXXX Select Portfolio Servicing has not honor their agreement or obligation to the modification agreement first payment agreement : provided that i maintain a current status. 
the wavier breakdown is as follow 1 ) XXXX XXXX in the amount XXXX ( not completed by S.P.S ) 2 ) XXXX XXXX in the amount XXXX ( not completed by S.P.S ) 3 ) XX/XX/XXXX in the amount XXXX ( not completed by S.P.S ) How ever my Servicing Company has fail to to address my concern i have sent a request to the customer correspondence department this issue has prevented me from refinancing my home and has cause huge delays and cost

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On the dates of XX/XX/XXXX, XXXX, and XXXX, the amounts of XXXX ( {$110.00} ), XXXX ( {$130.00} ), and XXXX ( XXXX ) were sent to the merchant via PayPal. 

The seller had requested additional payments after meeting the price we agreed on. ( The person had also insisted that I send the payment to them as friends & family. Presumably to omit my buyer protection rights. ) After the 3rd payment was made to them, I didnt hear from them for a few days - no updates as I requested, or as they agreed. 

Later on they contacted me again, requesting a 4th additional payment. I then realized that I was being scammed, and made to file this report. 

I have already informed PayPal, who also requested extending this issue to you, consumer protection. 

The seller had previously agreed to refund my money, and cancel the order/service. But are now refusing. I feel like the victim of a scam.. 

Please help me resolve this issue. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a dispute letter demanding verifiable proof to unverified accounts on my credit report on XX/XX/19 and the letter arrived on XX/XX/19 according the tracking from USPS. The 30 days passed and I did not receive any response.

I sent a 30 day non response letter enclosing a copy of a letter that I mailed to the company via certified mail requesting they verify the alleged debt the company claims I owe. The tracking from the USPS shows the letter was delivered on XX/XX/19. It has been more than 30 days, and I have not received any proof that your company validated the debt.The non response letter was sent on XX/XX/19 and arrived on XX/XX/19. It has been more than 30 days again and my credit report has not been updated. 

All letters were sent with a copy of my identification documents as well as notarized form proving my identity. 

The company failed to respond to this validation request. A credit bureau is required to respond and complete the investigation within 30 days. They did do not respond within this time frame or respond at in my case so they must remove the negative listing disputed. If they do not, they are in violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
I received mail from XXXX saying a last payment was sent to a debt collector. I called XXXX to inform them that Ive never opened a phone account with them and that this is a result of identify theft. XXXX connected me to the debt collector. The debt collector said there is nothing they can do and that I have to pay the debt. Ive submitted a police report as well as submitting a compliment with XXXX XXXX insuring that this was not my debt and my identity was taken. Ive been on a XXXX  line with my aunt since XXXX - XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
Mid valley collections bureau aka Proffesional collections put a Lien was put on my property on XX/XX/2019 without my knowledge for an account that I do not owe money and that was well past the statue of limitations. Mid valley collections bureau has put an lien on my property for a balance that I do not owe. 1. The account is well past the statue of limitations of which they can collect. 2. They tried to garnish my wages and I appealed with the XXXX XXXX police department and won, XXXX XXXX was unable to garnish my wages. 3. Mid valley collections bureau illegally without my knowledge put a lien on my property, that is currently growing interest. 4. I won the court case and no longer owe any money to Mid valley collections bureau. I would like the lien removed from my property immediately as it should never have been placed on my property. What you are doing is illegal and I will seek legal justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
My complaint is regarding United Revenue Corp ... listed on my credit report also under TEXAS XXXX XXXX   for {$480.00}, {$1100.00} and {$1200.00} I have sent several letters disputing this debt and It was removed however it keeps popping up and the documentation they allegedly sent to the Credit Bureaus is a direct violation of my HIPPA rights. I would like for this debt and any additional debts from this company removed from my credit report immediately. It was removed and added back to my credit report and I was not notified with any documentation from the Bureaus or Creditors.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I had an bad injury on my job that caused me to stay out until XX/XX/XXXX. I contacted XXXX via phone a week after my injury which I couldn't contact anyone so, I emailed and never heard from anyone until they couldn't get any funds from my account. Around XX/XX/XXXX I received a call and I explained to then that I was out of work because my XXXX was XXXX and I was only receiving only {$140.00} a week on workers compensation. They explain to me that the interest will remain daily. I paid them back every two weeks until my injury. Now I'm receiving letters to pay {$6000.00} back. So, I called National Credit Adjusters and explain my financial situation right now due to my injury it set me back on everything else and I ask why I have been charged this much. I Couldn't get an agreement other than XXXX in full which is not fair. Almost every day I get anonymous calls which I know its NCA and it's very stressful because I can not afford to pay it. Today, XX/XX/XXXX I went on line to www.ncaks.com to see if I could set up an payment plan that I can afford but they ask that I make a downpayment of {$500.00} first that I dont have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
This was a loan I should not have received due to unemployment and very low credit score and living on a partial VA XXXX of only XXXX month and a mortgage and on top of all of it I had a high interest rate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
EXPERIAN, XXXX, XXXX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNT ON MY CREDIT REPORT, THESE ARE THE LIST OF THE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXXXX -- -- ->Date opened -- -- ->XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX -- -- ->Date opened -- -- ->XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- -- -- >Date opened -- -- -- >XXXX XXXX XXXX XXXX XXXXXXXX -- -- -- -- >Date opened -- -- -- -- -- ->XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXXX -- -- -- -- >Date opened -- >XXXX XXXX XXXX XXXX XXXXXXXXXX -- -- -- -- >Date opened -- >XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXX -- ->Collection opened -- ->XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- -- >Collection opened -- >XXXX XXXX XXXX XXXX XXXXXXXXX -- -- ->Collection opened -- -- ->XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXXX -- -- -- -Date Opened -- -- ->XXXX XXXX XXXX XXXXXXXXXXXXXX -- -- -- >Date opened -- -- -- >XXXX XXXX XXXX XXXXXXXXXXXXX -- -- >Date opened -- -- ->XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX -- ->Date Open -- -- >XXXX XXXX XXXX Fraudulent Address : XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX XXXX, PA, XXXX Fraudulent Inquiries : SXXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX 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 2019-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Open a online checking account with Wells Fargo after seeing advertisement for a {$400.00} rebate on XX/XX/2019. Called customer service on around XX/XX/19 to validate the claims made by online advertisement and was instructed that as long as the requirements of making {$3000.00} in direct deposits over the next 120 days as well as well as maintaining an available balance over the time frame the promotion will be awarded the promotion. Contacted customer service again XX/XX/2019 and was told that I met all the requirements of the promotions and should be automatically deposited in my account at the end of the month. Called customer service again on XX/XX/2019 to check the status and was told I that the promotion could not be awarded because the social security for the account was never validated. So after 7 months and me constantly keeping in contact and having multiple transactions on my checking account Im told promotion cant be awarded. It seems as outright deceptive practices because they have no intention on standing by their advertisement.

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 2019-11-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Caliber Home Loans, Inc.
State: WI

Complaint narrative:
On XX/XX/19, two days following the due day for my mortgage, I received a phone call from Caliber Home Loans regarding my mortgage. During this phone call, I was told by the agent that the phone call was being recorded and its purpose was an attempt to collect a debt. I was shocked that I received this notice two days following my due day, particularly in view of the fact for the past eighteen months my mortgage was paid on the XXXX and XXXX of the month I believe that the recent phone I received from Caliber Home Loans regarding my mortgage was inarguably a form of harassment. There was no need for Caliber Home Loans to contact me just a few days after my mortgage was due given the pattern how I have paid my mortgage during the past eighteen months or so. I believe that Caliber Home Loans used the fact that my mortgage was not paid on the XXXX as a form of harassment and intimidation given my ongoing efforts to obtain documents from Caliber Home Loans to corroborate the accuracy and veracity of the settlement statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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:
Ive contact the Credit Bureaus several times asking them to remove address that arent mine and some accounts that arent mine ... they stated that they did an investigation and the results were either accurate or verified but they arent providing me with the information that they used to verify I want to see signed documents with my name on it from these companies and they arent doing that so I am unsure how to proceed to get this situation corrected. 
My car was stolen and several names and address variation on my credit report does not belong to me. 
They said it will be removed but some of it hasnt and I dont know how to go about this it is costing me money to constantly mail out letters to have this stuff removed.

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 2019-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: NE

Complaint narrative:
I attempted to XXXX XXXX on XXXX of XXXX ; my wife rushed me to the hospital and saved my life. After being on the hospital for 3 days I left the hospital and got billed for the use of the hospital and the ambulance. I was a college student at the time and did not work. I apply for financial forgiveness at the hospital, and a couple of weeks later I got a letter from the hospital stating that 100 % of the bill was forgiven. Now on XXXX of XXXX I get a called from a collection agency attempting to collect this debt. The name of the company is Radius Global Solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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 — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
PAYMENT HISTORY ERRORS : This complaint is regarding my auto loan financing account with GM Financial. For the last few years I have disputed this issue multiple times through each of the credit bureaus individually ( both via online/phone and by mail ), as well as once with the CFPB. Every time I have filed a dispute, the response from GM Financial has been inadequate and nothing has been resolved or corrected on any of my credit reports. 

There are still major errors on my credit reports, to which have significantly and negatively impacted my credit status. None of the credit bureaus have been helpful in properly processing my disputes and have not obtained adequate response or solution from GM Financial. My credit score is being penalized for having 6 late payments reflected on my GM Financial account, which is completely inaccurate and false misleading information. GM Financial reported to the credit burea
us that I made payments " 30-59 days late '' for the following billing months : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Enclosed is a copy of my Bank Checking Account Transaction History Report, which verifies that I did in fact made those monthly bill payments on time. None of the above listed months were paid late. All 6 of these months need to corrected and updated to reflect that I paid those payments " On Time ''.

Company response to consumer: Closed with explanation