vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I requested a forbearance plan in XX/XX/XXXX due to hurricane Irma for a term of 3 months. I was told they would just add the 3 months to the end of my loan term. Then I found out on XX/XX/XXXX during the modification process they paid my property taxes in the amount of {$1200.00} and forced me to have a ecrow account if I modified my loan. I was told on that day that if I sent a faxed letter to them that they would cancel the modification of the loan and the escrow account. I also needed to pay back the 3 mortgage payments back which I did on XX/XX/XXXX in the amount of {$3200.00} I faxed the letter and documents to them on XX/XX/XXXX and repaid the taxes in the amount of {$1200.00} on XX/XX/XXXX. My account is still showing an escrow of {$410.00} per month on my statement that I just received dated XXXX, which I did not approve and requested cancellation of. I have sent another letter to customer service the end of XX/XX/XXXX but no response. I just want my mortgage payment back to XXXX monthly payment with no escrow account. I believe they never applied my payments for the taxes correctly either. I have called several times and can not get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST REPUBLIC BANK
State: CA

Complaint narrative:
during our divorce, I was deeded off ownership of the family home. My ex husband owns the property as sole and separate property. I have no ownership interest in this property. This was 2 years ago and the bank still has me on as an owner and refuses to change this despite me sending several written requests during the past 2 years. Now the property has had several late payments and because my ex husband has not been able to make the payments. The bank is reporting this to my credit score which in return makes me unable to get a loan. My credit is otherwise very good, but the negative credit reporting by First Republic Bank has made it very difficult to improve my credit score. I have written to the bank and spoken with them on several occasions however they will still not take me off of the loan even though I haven't owned the property since XX/XX/2014. The amount still left on the mortgage is {$560000.00}.

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 2018-03-11 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: Innovis
State: IN

Complaint narrative:
On XX/XX/XXXX " Cbcinnovis '' conducted two back to back hard credit inquiries on my XXXX  credit reporting account. On that same day, they also submitted a hard credit inquiry on my XXXX account. I believe this is all connected to an inquiry for service with XXXX ( XXXX XXXX XXXX   XXXX XXXX, KS ) on XX/XX/XXXX. Who also conducted a hard inquiry on my XXXX account on the XX/XX/XXXX. At the time of inquiry, I learned that XXXX was not servicing my area - so I don't know why I now have four hard credit inquiries across two credit reporting agencies for service that was never provided or even possible to provide. I'd like for them to be removed, as they are adversely impacting my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
On XX/XX/XXXX " XXXX '' conducted two back to back hard credit inquiries on my Equifax credit reporting account. On that same day, they also submitted a hard credit inquiry on my XXXX   account. I believe this is all connected to an inquiry for service with XXXX ( XXXX XXXX of XXXX XXXX, KS ) on XX/XX/XXXX, XXXX. Who also conducted a hard inquiry on my XXXX   account on the XX/XX/XXXX. At the time of inquiry, I learned that XXXX was not servicing my area - so I don't know why I now have four hard credit inquiries across two credit reporting agencies for service that was never provided or even possible to provide. I'd like for them to be removed, as they are adversely impacting my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I had my loans sold to Navient when starting school back in XX/XX/2010. Since then, there has been no assistance with help to make reasonable payment options. Even when you're told you are placed in deferment for school, they place a Forbearance on your account and charge you huge amounts of interest, that negatively affect your credit for the worse. Just recently, I became XXXX and was placed on XXXX XXXX. I could no longer work. I called customer service with help for my options. I was not offered a deferment, when in fact I still have deferment time left ... ... Instead they placed a Forbearance on my account, charged me interest through the roof. Took weeks to email the information I requested about an income repayment, and then my score dropped by 155 points. I feel as though Navient, bullies students into more money. They do no address your issues no help you, it's a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
I have problem with Honda financial services I paid to cars from two different account first one the older is Honda crv 2012 account still open and making payment every month. The second account it's Honda accord 2016.honda financial services thay took the the from because iwas behind sixty days for my payment. They have the car since XX/XX/2018 more than a month and still the account is open and it's affecting my credit report and my credit score it's not fair please resolve this issue for me I am not able to do anything. Thank you very much for your help. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
XXXX XXXX is reporting the wrong information on the credit reports they have wrong information on XXXX and right information on XXXX XXXX I had an agreement with them to not be held responsible or liable for this car and no money owed and its reporting I owe money. it should be 0 money owed and not called a repo.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
On XX/XX/XXXX, I added 4 authorized users ( AUs ) to my amex platinum card. There was a current promotion ( see attached ) by amex that showed a bonus of XXXX points per AU when each AU spends {$500.00} in the first 3 months of card membership. Each of these AU spent over {$500.00} within the first 3 months, but only one of the AUs received the XXXX bonus points. I contacted Amex about these missing points in XX/XX/XXXX, and opened a case. 8 weeks went by, and the case was  closed without any resolution. Amex told me to continue waiting. I waited for an additional 8 weeks, and did not receive any resolution again. I was simply told that the Back Office was working on this case and there was nothing Amex could do to help me. It has been over 16 weeks since Ive opened the original case and have received no insight as to why I havent received this bonus or information on when I should expect to receive the bonus. Ive attached a screen shot of the promotion as well as my statement showing the spend on the AU cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-11 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I disputed a bankruptcy and some credit card accounts. In XX/XX/2018. At the end of their investigation Trans Union Credit Bureau just stated that the Information was Updated. 

Results : Item ; Description ; Results ; CHAPTER XXXX BANKRUPTCY FILING Docket # XXXX INFORMATION UPDATED XXXX XXXX XXXX XXXX XXXX XXXX # XXXX INFORMATION UPDATED According to rules and regulations of the " FDCPA Section 807 ( 8 ) " the Credit Bureau must put a statement with these accounts to show that they were disputed by the consumer within 30 days. They did not do as required by the law. Trans Union Credit Bureau is in violation of the law.

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 2018-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
My mom 's home is trying to be foreclosed on. And Ocwen Loan Serving is ignoring me. I have the direct number to the Acct Mgr and XXXX XXXX in the Office of the Consumer Ombudsman and Still ignoring. I have called multiple days and left many messages. My mom died XX/XX/2018 and the home was in probate from my dad 's death. My mom 's death was very unexpected and I want to pay off the home and Ocwen will Not work with me. They won't even return any calls. I have received email messages only and that was right at the time my mom was sick and trying to get property in her name from my dad 's estate. Ocwen only lies and says they didn't receive my dad 's death certificate. While I was trying to help mom ( I myself, sent it certified And faxed it ), so I know for a fact they received the paper work but just do not Wish to help consumers. Ocwen 's main goal is to take homes. I will be talking to a lawyer now but I want to go on record with this issue so that when this goes before a judge, it is documented that I have made multiple attempts over many months and to show that they were not willing to work with my mom as well. We are willing to pay it off but Ocwen is only trying to make it go up. I've received a pay off of XXXX if they keep waiting, the pay off goes up. This is ridiculous!!! With so many people complaining about this crooked company ... why the XXXX does the government allow them to keep robbing people?? I will be posting this to every place I know of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 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: MI

Complaint narrative:
I previously filed a dispute with Experian concerning an account that is being reported by XXXX XXXX XXXX. I asked Experian to delete the information being reported as it is being reported inaccurately. I don't dispute the fact that this was an account that I was responsible for, because I was. This account was charged off and sold with a company that I have been paying over the last few years. My concern is that the information reported with Experian as inaccurate. Upon receiving the results from Experian on report number XXXX dated XX/XX/XXXX, I contacted them by phone. I was advised that the information was verified. I am challenging the verification of the accuracy of the information being reported. I do not believe that Experian is doing its due diligence when verifying information that is being reported. I am including 2 different reports of which XXXX is the creditor. On the report from XX/XX/XXXX from Equifax, they reported that my last payment was XX/XX/XXXX, however, the Experian report shows payment was made in XX/XX/XXXX and XX/XX/XXXX. XXXX and XXXX both deleted this account from my credit report. I know that is not a reason for Experian to delete but the fact that incorrect information is being reported should be. I look forward to your response of this complaint.

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 2018-03-11 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 — Problem with personal statement of dispute
Company: DISCOVER BANK
State: CA

Complaint narrative:
My credit report shows a negative collection/chargeoff from discoverbank.This account was paid and closed on XX/XX/XXXX. The full balance was paid. Discover still shows a negative account on my report. I disagree with this negative report since the account was responsibly taken care of. 
This account was opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit report shows a negative collection/chargeoff from XXXX XXXX.This account has been closed since XX/XX/XXXX. The full balance was paid. XXXX XXXX still shows a negative account on my report. I disagree with this negative report from XXXX XXXXXXXX. 
This account was opened on XX/XX/XXXX and closed on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit report shows a negative collection/chargeoff from XXXX XXXX.This account has been closed since XX/XX/XXXX. The full balance was paid. XXXX XXXX still shows a negative account on my report. I disagree with this negative report from XXXX XXXX. 
This account was opened on XX/XX/XXXX and closed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit report shows a negative collection/chargeoff from XXXX XXXX.This account has been closed since XX/XX/XXXX. The full balance was paid. XXXX XXXX still shows a negative account on my report. I disagree with this negative report from XXXX XXXXXXXX. 
This account was opened on XX/XX/XXXX and closed on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
In XX/XX/XXXX I requested a loan modification from XXXX XXXX XXXXXXXX. 

In XX/XX/XXXX, XXXX XXXX XXXXXXXX confirmed my loan was being reviewed for loan modification and they received all the documentation required and would make a decision within 30 days. 

In XX/XX/XXXX before my loan was transferred to Carrington Mortgage, I confirmed what the process would be in regards to my loan modification. I was told that the process would continue with the new lender. They would pick up the process where XXXX XXXX XXXXXXXX left off and I would not have to do anything. 

On XX/XX/XXXX, my loan transferred to Carrington Mortgage. 

In XX/XX/XXXX, I called Carrington Mortgage to check the status of my account and loan modification. I was told that I has to wait 60 days and I would be contacted. I was told that Carrington Mortgage has to wait for XXXX XXXX XXXXXXXX to send them my documents. 

In XX/XX/XXXX, after the 60 days I contacted XXXX XXXX check the status of my loan modification and have been giving the run around ever since. I have spoken with several managers and customer service representatives. 

They are refusing to process my request for loan modification and have now sent my loan to foreclosure. 

I have informed Carrington Mortgage that they are in violation of mortgage regulations that govern how transferred loans that are in the process of a loan modification are suppose to be handled. 

It is now XX/XX/XXXX, and Carrington Mortgage has been increasingly difficult to deal with. Representatives hang up in my face and promise to call back and never do. 

I have spoken with XXXX ( supervisor ), XXXX XXXX, XXXX ( XXXX 's XXXX ) XXXX XXXX, XXXX ( another manager ) XXXX, XXXX, and a host of other regular customer service representatives to no avail. 

This company is aware that they are in violation of the law and they have refused to correct the violation and process my request for modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: NM

Complaint narrative:
I have a letter prepared, including all documentation, to support my complaint which I want to upload to your website. 

The complaint was previously submitted to the CFPB on XX/XX/XXXX and was received by the CFPB on XX/XX/XXXX which is also included in the documentation with a tracking document. 

The company I am filing this complaint against is Caliber Home Loans , Inc . The loan # is XXXX. The complaint concerns additional payments I made to my account for escrow which Caliber Home Loans claims their policy is to not accept additional escrow. However, Caliber did  accept additional escrow in the amount of {$100.00} to my account in XX/XX/XXXX. They refused to accept additional escrow of {$400.00} which I paid in XX/XX/XXXX claiming it is against their policy. There is nothing written in my loan agreement with Caliber that additional escrow is not allowed or accepted. They also would not return the additional escrow I paid until I requested an official escrow analysis although is evident on my XX/XX/XXXX statement that additional escrow was just setting in an account and not being applied to anything. 

My docs and letter are attached but I had to break them up into 4 separate files since your system only accepts 10 MB per file. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
I have been getting harassing phone calls to pay a debt that did not belong to me. I received a letter in the mail from a collection agency that stated I received a ticket for failure to stop at a red light in a city I do not drive to. One, the letter is in the name of someone I do not know, two, the incident took place at a address and city I have not been to before, and third, the ticket it for license plate that is not that of my car. Please help me rectify this situation, because I do not what this to effect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit report shows a negative collection/chargeoff from XXXX.This account was paid and closed on XX/XX/XXXX. The full balance was paid. XXXX still shows a negative account on my report. I disagree with this negative report since the account was responsibly taken care of. 
This account was opened on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit report shows a negative collection/chargeoff from XXXX.This account was paid and closed on XX/XX/XXXX. The full balance was paid. XXXX still shows a negative account on my report. I disagree with this negative report since the account was responsibly taken care of. 
This account was opened on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation