vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: NJ

Complaint narrative:
I over-pay my mortgage every month by 50-100 dollars. The payments are made automatically, electronically and for the last 5+ years I did not even receive invoices from PHH Mortgage. 

Last XX/XX/XXXX an increase in property tax created a one time increase in my payment. I did not receive a notice until ~8 month later when I got a late payment notice for XXXX dollars. I called PHH and they informed me that because of the increase in XX/XX/XXXX I had been charged a ~115 late fee each month for the last few months. I escalated the issue several times and was told I would be contacted by an adjuster. I also asked to start receiving paper invoices. 

A few weeks later I received a letter saying that if I payed XXXX, the matter would be closed. I send in the exact amount. 

XX/XX/XXXX I received my invoice and found that my monthly payment was XXXX, over my usual XXXX, looking closer, I was being charged a late fee of {$110.00} again! 

I called PHH and they informed me that even though my payment of XXXX was received and that they negotiated it, I did not include the pay stub with the payment ... so they didn't realize the XXXX was going towards the XXXX in late fees, so the applied the XXXX toward to XXXX, which caused me to have an outstanding balance and additional late fees - that they refused to reverse. 

I informed PHH that I would like direct withdrawl of funds because I thought they were intentionally making it easy to get charge fees. They told me I needed to send in a void check and wait 2 weeks or I could go and signup online. I tried to log into my account, couldn't, called them back ... they informed me that they delete all online accounts after 1 year of inactivity. Again, harder to get information and pay ... So I had to re-register and finally get signed up for automatic payment. 

In sum, I had to pay over XXXX in late fees and I don't even know what I lost in interest or principle in how they dealt with my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Hello, I was recently on an XXXX XXXX flight back from XXXX ( DC ) to XXXX ( XXXX ) on XX/XX/XXXX. I was presented with a promotional offer for an XXXX XXXX XXXX XXXX XXXX card. The flight attendant first mentioned the promotional terms verbally ; she listed off all the advantages, one of which was an introductory 0 % APR for 12 months. They they handed out promotional flyers with those terms on them as well, the introductory 0 % APR for 12 months was also included on this too. 

So, I filled out the form and applied for the card. Once approved, I then immediately called in to set up the recurring payments and confirm by bonus miles ( I am not sure of the exact date but it was a few weeks after my flight, it was the date that I set up auto draft so should be easy to locate ). The agent set up the recurring payments, confirmed my bonus miles usage and even confirmed that my intro APR was not just 12 months but 18 instead! I was very happy with that. However, it was not until my recent statement that I saw an interest charge ... .so I called in ( today XX/XX/XXXX ) and the agent told me I only had a 15 month into APR of 0 % but ONLY for balance transfers, not purchases. This was not specified on the promotional material at all or even with the agent I spoke to later when setting up my recurring payments. 

I felt that I was mislead intentionally to take out this card. This is a ver unfair and deceptive practice and XXXX & XXXX should be held accountable.

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 2018-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I started receiving phone calls from Trans Union. They leave a message saying they are a debit collection service and I need to call XXXX, ask for XXXX XXXX and my reference # is XXXX. I noticed that the number that called me was not the number given to call back to but I did not write down what it was. I have attempted to return the call 3 times. Each time I am told that all representatives are busy. That recording will come on periodically. After about 10 minutes of being on hold another recording says no one can help me at this time, please call back. I do not owe anyone anything as far as I know and I want this to stop

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 2018-04-20 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: Southwest Credit Systems, L.P.
State: DE

Complaint narrative:
I'm right in the middle of trying to obtain a mortgage and some how I have a bogus account pop up on my credit report it has lowered my score 8 points and the worst part is I don't have any services with this company and they had the nerve to send me to collections. It states on my report that I opened this account in XX/XX/XXXX and it's on my credit report for non payment, I haven't received a letter or anything the amount is XXXX dollars and it's supposed to be for internet services, I have had XXXX internet for over 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: NRA Group, LLC
State: MA

Complaint narrative:
National Recovery Agency, amount of {$200.00}. I have disputed this account with National Recovery Agency by sending them a debt validation and disputed it with XXXX credit reporting agency as I have no knowledge of this account. National Recovery has not responded to my debt validation and continue reporting this account with XXXX credit reporting agency. Once again I have no knowledge of this account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Weinberg Mediation Group LLC
State: NC

Complaint narrative:
This number is calling a place of business and has been asked multiple times to not call again seeking to speak with an employee. A call was made to this number of XXXX and told repeatedly to not call this place of business. Immediately after our call was made to the company they called again under false pretenses to verfiy employment and were told again to not call this number of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lewisfin.com, LLC
State: MI

Complaint narrative:
Advertisement played on XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX NMLS # XXXX / XXXX XXXX XXXX XXXX NMLS # XXXX | XXXX XXXX NMLS : XXXX The advert makes the statement " remember that bad appraisal from the bank that ruined your refinance? we can fix it '' This is fraudulent on several accounts because it offered no qualifiers or restrictions at any point during the advertisement : - FHA appraisals are tied to a case number and can not be re-ordered until expired - Appriasals can not be 'fixed ' - they can be challenged in very specific ways. Even when done by a skilled LO, a value change via appraisal challenge is by no means a guarantee. The can be reordered under CERTAIN circumstances. 
- " a bad appraisal that ruined a refinance '' may well have been one which appraised very low due to adverse market conditions - re-ordering or challenging an appraisal will not solve this problem. 

This advertisement is designed to drive leads to the lender that would result in adverse consumer mortgage experiences.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: TX

Complaint narrative:
Beginning XX/XX/XXXX, I requested that a number of inquiries be deleted from my credit file by mail, as these inquires were not authorized. XXXX, XXXX, and Transunion responded that I would need to dispute these inquiries with each individual creditor as they do not dispute inquiries. XX/XX/XXXX, I contacted each individual creditor requesting that they verify they did not have authorization to request my credit and that their individual request be removed from my credit file, till today, I have not received a response. On XX/XX/XXXX I contacted each bureau by phone stating that you are reporting inaccurate information and that this is against the FCRA. As a credit reporting agencies you are required by law to investigate and verify that what is being reported by your agencies, is accurate and true and that these inquiries were actually authorized by me, which they have not. Each representative that I have spoken with has pretty much passed the baton stating that I would be required to contact these creditors to prove otherwise, this is NOT correct. I have attached the letters to each bureau, and each individual creditor.

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 2018-04-20 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: TX

Complaint narrative:
Beginning XX/XX/XXXX, I requested that a number of inquiries be deleted from my credit file by mail, as these inquires were not authorized. Equifax, XXXX, and XXXX   responded that I would need to dispute these inquiries with each individual creditor as they do not dispute inquiries. XX/XX/XXXX, I contacted each individual creditor requesting that they verify they did not have authorization to request my credit and that their individual request be removed from my credit file, till today, I have not received a response. On XX/XX/XXXX I contacted each bureau by phone stating that you are reporting inaccurate information and that this is against the FCRA. As a credit reporting agencies you are required by law to investigate and verify that what is being reported by your agencies, is accurate and true and that these inquiries were actually authorized by me, which they have not. Each representative that I have spoken with has pretty much passed the baton stating that I would be required to contact these creditors to prove otherwise, this is NOT correct. I have attached the letters to each bureau, and each individual creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: ERC
State: AR

Complaint narrative:
Listed below are two collection accounts that are being reported on my credit record and neither belong to me. The XXXX account was the result of identity fraud and I provided details in the form of a police report and it was removed previously however it now reappears on my record. I have never been a customer of either company. 

XXXX XXXX XXXX  The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. 
Account Name ERC Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
First Reported XX/XX/XXXX Original Creditor XXXX Creditor Info Phone Number ( XXXX ) XXXX XXXX XXXX XXXX XXXX, FL XXXX First Reported XX/XX/XXXX {$880.00} XXXX XXXX. 
The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. First Reported XX/XX/XXXX Original Creditor XXXX XXXX Phone Number ( XXXX ) XXXX XXXX XXXX  XXXX XXXX, IL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA

Complaint narrative:
I sent an electronic payment on XX/XX/2018 in the amount of {$450.00} and the servicing company said they never received the payment. My bank verified that the company did in fact, received and deposited the payment into their bank account. However, they never reflex the payment as received or updated the dates on my account. I have sent letters from my bank, and proof of transactions made, and I have contacted the company almost everyday and I am still waiting for them to respond and make the necessary changes to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
When closing in XX/XX/XXXX, Ditech did not explain that I would have to file for homestead exemption in my state. I only learned of this AFTER they raised my payments in XX/XX/XXXX to cover the " underage '' for payment of county taxes. I had to contact the county, fill out and file paperwork to get it backdated. I did so, but it took the county a few  months to process everything. In XX/XX/XXXX, Ditech did two analysis, but only sent a check for {$180.00}, even though they had received a check from my county at the end of XX/XX/XXXX or beginning of XX/XX/XXXX. I did get a reduction in my mortgage payments in XX/XX/XXXX. I called FOUR times to have them send the check to me ( the county had  to send it to Ditech for reimbursement to us since Ditech had sent the county the money ). EACH time I was told NO other analysis had been run and that they would escalate it. This is approximately $ 1,400-plus that they have kept over the 30 days allowed. It wasn't until my wife blasted them on their XXXX page that we had any positive communication. She posted on XX/XX/XXXX, and again on XX/XX/XXXX. The claimed to have mailed a check, but as of XX/XX/XXXX, no check has arrived. I believe they have violated federal law on keeping the money longer than 30 days and refusing to refund the money, even though they acknowledge " the check is in the mail. ''

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ReliaMax Holding Company
State: KY

Complaint narrative:
My payment is due on XX/XX/XXXX of each month. I had a payment scheduled on XX/XX/XXXX for XX/XX/XXXX on XX/XX/XXXX an email was sent to the co-borrower stating that a payment had not been made. The account was not even 10 days late. My Dad, the co-borrower, made an additional payment, on top of the one i had already made. Something needs to be in place to show pending/ schedule payments. This is ridiculous!

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 2018-04-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: IA

Complaint narrative:
I spoke with 2 different reps on XXXX18. My loan was recently sold to XXXX XXXX XXXX. I've been trying for a week now to make a payment, but every time I log into their system, all my account details are blank and there's a message to contact customer service. I just assumed they hadn't gotten everything transferred over. When I finally contacted the two previously mentioned reps, they stated I had a cease and desist letter on my account from the previous servicer. I explained to them the letter just dealt with them not contacting me by phone because I got fed up with repeated reminder calls, etc. Btw, I'm not behind on my payments and I don't run behind. I just don't want robocalls. I was instructed that I can't have that request with XXXX   unless I completely remove all requests for no contact. Essentially, what they are doing is preventing me from making a payment unless I agree they can contact me by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: GA

Complaint narrative:
Hello, I am having trouble with the collection company that is listed below. Their claim is that I owe them but I have never done any business with the company they claim that I owe. I have submitted letters requesting that they send me out information ( contracts showing my signature, a copy of my identification ), but the company failed to do so. I am tired of them harassing me about a debt that I never accumulated. Please help me with this company because Im so sick of them constantly harrassing me all time of the day and the constant contact at my employment ( I have told them to stop calling me at my place of employment, but they continue to do so ). Their false claim is damaging my reputation and is damaging my credit. 

COMPANY NAME : AD ASTRA RECOVERY SERVICE AMOUNT CLAIM TO OWE : {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
Trying to refinance our mortgage I found out today that the mortgage company is falsely claiming that we have missed payments in the past year to stop us from refinancing.. The mortgage is with Quickens Loans who boldly got away with having no judiciary responsibility to pay the taxes on our home and now they are attaching big payments to the mortgage and claiming we have missed payments this past year ... They claim they paid the taxes, but our escrow account is short so they are still making us responsible for the taxes ... They did not pay the taxes for 4 yrs ... which lead to this mess and we spent XXXX to an attorney who will not do anything now ... to help us resolve this issue..hopefully you can do something..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUSTMARK CORPORATION
State: IL

Complaint narrative:
I have evidence that someone use my credit and personnel information to buy a home, car and other items show up on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them. Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. I plan to take legal action but I want to create a paper trail. 

The items are as follows : ACCOUNTS XXXX/XXXX XXXX not mine COLLECTIONS XXXX {$920.00} not mine XXXX XXXX XXXX {$1800.00} not mine

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 2018-04-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
The original VA home mortgage was through XXXX XXXX XXXX and sold to Carrington Mortgage Services , LLC . Original mortgage was 6 years old, and I have never been late on a payment. 

Carrington raised my payments {$140.00} a month without an explanation and on XX/XX/2018 when I called I was advised that they had added a 1/6 percent " cushion '' to cover any shortages in escrow that might happen in the future. I had the exact amounts that cover the tax for XX/XX/2018 and also the insurance, so there isn't a guessing game on what is or will be owed. 

This is wrong! If I come up short, I should be given the option at that time of paying the difference immediately or having the additional amount added to my monthly mortgage payment. This is no different that having to pay PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Equifax has me listed with a Bankruptcy, I've contacted the courts and they tell me they have no records that they give out to credit reporting agencies weather you do have one or you don't. I have asked Equifax on several occasions about this and they sent a reply saying they contacted the federal courts, I know this to be false since I've contacted the federal courts and they have no records of me to give out. I've been a victim of false information listed about me in the past due to someone in my city with the same name and very close ssn.

Company response to consumer: Closed with explanation