vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: TX

Complaint narrative:
Sent Mortgage payment to PHH Mortgage and they are not applying payment my account as a monthly payment. I have contacted the company numerous times and I told the payment is in principal and that they will reapply it correctly. They have not after numerous attempts and my account still reflects past due. When I request to speak to a supervisor for assistance I am put on hold and forgotten about. I have stay on hold for hours and no response and even get disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I called my loan servicer Ocwen Mortgage on XX/XX/XXXX to let my Relationship Mgr ( XXXX XXXX ) know I was making a full mortgage payment via wire transfer at XXXX XXXX XXXX XXXX but, my normal relationship mgr was not available and had starting missing scheduled appointments, even on XX/XX/XXXX. The other Relationship Mgr ( RM ) told me not to wire the mortgage payment and to make the payment over the phone for free to avoid the wire fee but I told the RM that my father was already in the bank ready to wire the payment but the RM insisted on paying over the phone. This was a 3-way call with my father, the RM and myself. My mortgage payments were more than 60 days late but, less than 90 days as discussed with the RM. I had informed the RM that my new employment started on that coming Monday, XX/XX/XXXX, and that I would catch up on my mortgage payments. As my father started reading the bottom of his check, I interjected after he finished reading the routing number and told the RM not to include the check number, and the RM immediately and rudely said, " Ma'am Be Quiet ''! After, my father read the numbers on his bank account, the Ocwen RM told my father and I that the Bank Number went in correctly and emailed my Receipt of a full payment and also sent a receipt through the USPS mail. Then about 5 days later Ocwen sent a letter dated XX/XX/XXXX stating that " Your Payment was Returned Unpaid '' ; and that " The payment we received on XX/XX/XXXX for {$1600.00} was returned unpaid by the bank. '' I contacted XXXX XXXX XXXX XXXX and their Clearing House and they have no record of Ocwen even attempting to process a payment on or after XX/XX/XXXX. The XXXX XXXX XXXX associate told me, even if Ocwen Mortgage had included a check number with the account numbers for payment, XXXX XXXX XXXX would have still processed my mortgage payment. XXXX XXXX XXXX recently sent a letter dated XX/XX/XXXX, that XXXX is the new servicer for this account and collecting payments ; gave new XXXX loan account #. 

I have supporting documents to proof Ocwen Mortgage 's fraud. Even after Ocwen made me delinquent purposely on my mortgage, Ocwen refused to take my full mortgage payment. Since XXXX until presently, I continued to receive disingenuous information from Ocwen Mortgage about modifications, the loan process, trying to pressure me to sign new loan documents with a higher interest rate and/or a balloon payment, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
many fraudulent accounts are reporting under equifax credit reporting agency, i have disputed several times and even with a police report stating the fact that i had been a victim of ID theft. but they are not belong helpful at all, and when calling them every single time they are asking verification and have answered all the questions they are saying that i was not verified and i have no way of finding out whether or not what the situation is about my disputes and fraud accounts. please let help me out, your are my last hope, i receive Social Security Income and these fraud account are giving me headache, they are about to cut off my SSI, and i have no way of proving that these were fraud account. because quifax is not helping me in any sort of way. i need to proved the clean equifax report to the administration in order for my SSI to be continued. 
i beg of you to help me so i wont be homeless. 
thank you for your help, i will be attaching my police report and the FTC report and the letter explaining what i have sent equifax thank you for your cooperation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19 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: TX

Complaint narrative:
I have had multiple issues with the initial company : XXXX XXXX XXXX reporting incorrect information to TransUnion. On XX/XX/XXXX I signed a rental lease with XXXX, the leasing manager. On XX/XX/XXXX I returned one mail key, apartment key, and even a money order for {$440.00} for the time I was there. I had to move out because XXXX was verbally increasing my rent which was different than the price stated on my rental agreement. I gave XXXX XXXX Apartments written notice I would be leaving. I physically came into their office to give them this notice and my keys ( where cameras are available if further investigation is needed ) and this company fraudulently reported to the credit bureau I owed : {$3800.00}. Upon moving out, I spent some time cleaning the apartment to make sure I left it better than I received it. This is important to note because when I first complained about this issue, the apartments claimed there was an error in their charges of the apartment after move out and lowered the charge to {$3000.00}. This charge has stayed on my credit for many years and TransUnion has not been able to investigate properly.

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 2019-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/2019, my checking account and savings account had multiple unauthorized transactions originating in XXXX. The total amount that was withdrawn at a bank teller without my authorization amounted to {$3400.00} in my checking account and {$1700.00} in my savings account, combined total {$5100.00}. Suspecting fraudulent activity in my account, I reached out to Bank of America the very next day on XX/XX/2019 and setup a claim/complaint with them. 

As per Bank of America 's advise, I had my savings/checking/debit card which had these transactions immediately frozen. Bank of America informed me that they would investigate the claim and get back to me within 60 business days. I followed up weekly with Bank of America to understand the progress and also if they needed any information from me. Bank of America didn't request any additional information from me. After 60 days on XX/XX/XXXX they sent me a letter indicating the claim has been denied. 

Considering these transactions occurred at a Bank Teller at different branches of Bank of America, per the transaction ID, I was hoping Bank of America would retrieve video footage at these locations and identify the source of the fraudulent transaction. But this seems to have not occurred and instead the bank rejected my claim indicating PIN was used for this transaction.

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 2019-04-19 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I requested the following information from this collection agency to support the alleged debt : name and address of the original creditor, a copy of the original signed contract, delegation of authority giving you the authority to collect the debt, and a complete accounting / statement of payments with interest and fees associated with this debt. I do not owe this company anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I was a customer of XXXX XXXX  " XXXX '' and had a store credit card. 
XXXX XXXX of 2017 I had made a purchase in store of Christmas gifts to give. 3 days later I returned to the store to return the items because they were not something that could be worn by the person I was gifting them to. The employee in XXXX returned my items and failed to credit my account, therefore increasing my debt substantially. I had noticed on my statement that it was not credited and I was paying interest on a dollar amount that was not correct, after sending letters of dispute to the proper parties many failed tries to correct the problem the balance kept growing in fees penalties and interest. My last check into the balance was XXXX dollars, but after the return of items It should have been lower. I had made purchases totaling XXXX and happily was making payments before this problem. I was penalized with fees and interest on a dollar amount nearly double what was actually spent, XXXX failed to help fix this, I had disputed it many times to no success only being told I owed the amount and nothing could be done to help me. Now the account is closed and was sold to a collection agency named Portfolio Recovery

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: ID Analytics, Inc.
State: MS

Complaint narrative:
XXXX XXXX said my credit score was XXXX points lower than it really is and caused me to be denied auto financing. I've never even heard of this company and I definitely did not give my permission for my personal information to be given to them. Their reasons for such a low credit score were not true either. XXXX XXXX will definitely never get any business from me in the future and I will make sure to let everyone possible know about these two companies and what they have going on

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 2019-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
many fraudulent accounts are reporting under equifax credit reporting agency, i have disputed several times and even with a police report stating the fact that i had been a victim of ID theft. but they are not belong helpful at all, and when calling them every single time they are asking verification and have answered all the questions they are saying that i was not verified and i have no way of finding out whether or not what the situation is about my disputes and fraud accounts. please let help me out, your are my last hope, i receive Social Security Income and these fraud account are giving me headache, they are about to cut off my SSI, and i have no way of proving that these were fraud account. because quifax is not helping me in any sort of way. i need to proved the clean equifax report to the administration in order for my SSI to be  continued. 
i beg of you to help me so i wont be homeless. 
thank you for your help, i will be attaching my police report and the FTC report and the letter explaining what i have sent equifax thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
XXXX XXXX said my credit score was 200 points lower than it really is and caused me to be denied auto financing. I've never even heard of this company and I definitely did not give my permission for my personal information to be given to them. Their reasons for such a low credit score were not true either. Ally Bank will definitely never get any business from me in the future and I will make sure to let everyone possible know about these two companies and what they have going on

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 2019-04-19 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX - Mailed, via Certified Mail with return receipt, a cashier 's check for the payoff amount to GM Financial, also enclosed with a contract that clearly stated the execution of the enclosed funds would constitute agreement to and acceptance of the terms of the stated contract. Those terms included marking the account as paid in full, removal of all derogatory remarks from all reporting agencies and cease all collection attempts. ( Original contract and copies of executed funds included in files ) XX/XX/XXXX - Certified Letter and funds were received by and signed for by a representative at GM Financial. 

XX/XX/XXXX - Cashier 's Check for full payoff amount, with contract stamped below signature line, was executed and deposited for payment. 

XX/XX/XXXX - GM Financial was made whole by the settlement of the cashier 's check. ( Copy of check with stamp and signature included in files ) XX/XX/XXXX - Received a letter from GM Financial acknowledging receipt of payment and the settlement of the the account in full. ( Copy of letter included in the files ) XX/XX/XXXX - GM Financial fails to perform on the agreement to remove all negative items from all reporting agencies within 30 days of executing the contract via their signature on the check and the cashing of those funds. 

XX/XX/XXXX - GM Financial continues to report the account negatively and even in the month of the payoff posted the account as delinquent, this has continued to be the reporting status month after month since the payoff. 

GM Financial has failed to perform on the agreement they entered into by signature on the check to remove any and all negative items from any and all reporting agencies. Furthermore, the agreement stated should they dishonor the contract or violate its terms they agree to compensate me in the amount deemed reasonable by the court and that this agreement is a Cognitive Contract and they agree to Summary Judgement against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: VA

Complaint narrative:
I sent in a request to dispute the bankruptcy that is currently under investigation. The say that they verified with XXXX XXXX that this bankruptcy is accurate. this is not possible for two reasons : 1 ) the bankruptcy courts dont share info with credit agencies, and 2 ) there is a freeze on my XXXX XXXX account, so they dont have access to any info on there. I would like them to furnish the written response from XXXX XXXX or remove this from my credit report as per section 609 of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was viewing various websites trying to monitor my credit. Obviously, TransUnion would be one of the places to do this. I signed up for what was *clearly* labelled as a free account. There was never any mention anywhere about fees or charges for what I was doing. I avoided everything on the website that involved being charged, as I did with every other website I visited that day. However, I was charged not too long after making my account. The charge was a subscription for {$24.00} every month, which I had never signed up for. There was not even an inkling of information that I had that would suggest I would be charged while I was on they're website. I immediately called to dispute this charge and was met with no help. In an incredibly comical manner, the person who I spoke with on the phone was both very quiet and speaking from what sounded like a decent distance away. Not only this, but at times they would just stop talking altogether. To me, it felt like an attempt to get me off the phone as quickly as possible. While on the phone, the person was also speaking as if I should've known exactly what I was being charged for. I stated on numerous occasions that I did not confirm a purchase for anything, only to be met with them saying that it was my own fault and that I should have known what I was doing. I felt like I was being talked down to. A simple XXXX search shows a multitude of people falling for this fraudulent behavior on the behalf of TransUnion. Just as I believed it was free, everyone else believed it was free or merely {$1.00}. No mention of a {$25.00} charge, not to mention a *reoccuring* {$25.00} was ever mentioned anywhere during the sign-up. This is a scam being run by TransUnion on a mass level.

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 2019-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
During the summer of 2018 I filled out an application for an XXXX XXXX ( Bank of America ) Credit Card while on an XXXX XXXX flight in XXXX Alaska. I turned the application into an XXXX XXXX representative ( flight attendant ) then waited several weeks, but never received either a card or a denial of the application. 

In the fall of 2018 I applied again for an XXXX XXXX ( B of A ) CC. In a matter of weeks I received a card in the mail, activated it, and began using it for travel purposes. 

In XXXX, and several times since then, while I have been away from home working in remote locations in Alaska, my wife has paid my CC bills. I just recently noticed she had paid an annual fee and accrued interest charges on an XXXX XXXX ( B of A ) CC I have never received, activated or used.

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 2019-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Shellpoint Mortgage Servicing purchased my mortgage on XX/XX/2019. I did not receive notification of this until XX/XX/XXXX. I submitted an automatic payment to my previous mortgage servicer as scheduled on XX/XX/XXXX. As of XX/XX/XXXX Shellpoint Mortgage Servicing has declared my mortgage payment delinquent and is threatening me with late fees and potential foreclosure. This is blatantly against the law, as my previous mortgage servicer has 60 days to forward payments to Shellpoint Mortgage Servicing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA

Complaint narrative:
XX/XX/2015 in the amount of {$890.00}, I have tried to call and set up payment plans. Before I had a job but now I am not working.

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