vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
My brother passed away XX/XX/XXXX, of this year, the property at XXXX XXXX XXXX XXXX, XXXX , Ca was transferred to me by transfer of death deed legally. The property was sold in XXXX and the title company needed a pay off amount which Freedom Mortgage wouldn't give them until several phone calls were made. On XXXX XXXX I received an escrow refund check in my brother 's name which couldn't be cashed because my brother is deceased. I call Freedom and was told they would send to me by direct deposit which a week later didn't happen, then they told me a special check would be sent in a couple of weeks with my brothers name/successor, that didn't happen and then they told me they didn't have my address, I then talk to a supervisor name XXXX and he told my banking info and said it would either be direct deposited or a new check would be sent and if I didn't receive by XXXX XXXX to call him. I just got off the phone with him and he has no answer at this time and said he will call me by the end of his day with an answer.I also received a letter date XXXX XXXX stating that it was confirmed that I'm the owner of the property. 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 2018-12-21 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: Grant & Weber
State: CA

Complaint narrative:
Grant & Weber ( a collection agency ) is reporting on my XXXX, XXXX  and XXXX XXXX credit reports that I have a negative unpaid account charge in the amount of {$52.00} originating from the original creditor XXXX XXXX XXXX XXXX XXXX. However, I do not owe anything, as I already paid to the creditor XXXX XXXX XXXX XXXX XXXX the original amount owed -- {$50.00}. 
I have a copy of the check ( check # XXXX ) which I will upload here that was already paid to XXXX XXXX XXXX XXXX XXXX for account # XXXX. It shows clearly that {$50.00} was paid for this account, leaving a XXXX balance owed.

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 2018-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I went through a divorce where I was awarded the home through separation agreement and the final divorce decree. Ocwen mortgage directed me straight down a path of ruin, I was told by OCWEN I could streamline my mortgage through modification and remove my former wifes name. I made the three trial payments only to be told the assumption was not possible. I have been through the ringer with Ocwen, they are going to have it there way. I had a direct conversation with the customer service department where I specifically asked " IS THIS THE RIGHT WAY TO GO ABOUT GETTING MY FORMER WIFE OFF THE NOTE : the answer was : YES!!!! 


Ocwen had the separation and final divorce decree before starting the modification process, the recording proving what Ive said is being held by Ocwen stating, recorded calls are for quality only but offered me a letter of apology. 

My 3 trial payments were sent to old due dates, I'm not sure they were even behind, now I have to reinstate my loan with a large payment amount only because they directed me down this path, hide information and change the rules to benefit them I've written to XXXX XXXX and his office is opening up communication with Ocwen to get to the truth I fear foreclosure here

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 2018-12-21 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: MD

Complaint narrative:
I sent a LEGAL Notarized affidavit to Equifax, disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), For Equifax, to Provide physical verification of the original signed consumer contract. I demanded from Equifax, to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt. UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law. Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal. 
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. GLA has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine. 

*XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXE ARE NOT MINE!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
inaccurate information showing on credit reports

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 2018-12-21 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I used a XXXX 's credit card, later on could not afford the payments due to financial distress around the month of XX/XX/XXXX. Maintained contact with the company informing them of the situation and was reassured it could be handled with no credit repercussions. Later the account was sent into collections at which time i contacted the company and arranged a payment plan to pay the account in full with two payments of approximately {$150.00} dollars and was told the account would have a remaining balance of {$0.00} dollars. Looking at my credit report the company has me with a remaining balance of {$6.00} dollars with numerous late reports. This information is inaccurate and is effecting my credit score in a major way not allowing for my family and I to be approved for a home loan. Contacting the company I am continuously told there is no balance and nothing they can do for me as far as my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 60 days late as of XX/XX/2018 90 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO

Complaint narrative:
This complaint is in conjunction with complaint XXXX. Initially I was unable to use my card for several months upon credit approval. Several attempts to contact hsbc and several hours of being put on hold and hung up on lead to my initial complaint.

Now, I have completed the online banking months ago as well to manage my account. HSBCs initial classificationof my account has caused me not to have the ability to log on, I have also stopped receiving paper letters in the mail showing me my statement. Since opening I have made one payment over the phone for the complete balance. However now I do not know the remaining payments or due dates which is preventing me to make my payment and ensure I have a XXXX  balance. 

I hurt my credit by opening this account with the intention of using rewards points, benefiting from the annual match of points, using my rewards points, and benefiting from the 0 % transfer. 

I was forced to open an additional card to perform the balance transfer, further harming my credit score. I am unable to use my rewards points because I can not log online. I have been prevented from using my card for several months limiting the benefit I would receive in rewards points and more importantly the annual match. I can not make a payment on this account due to unknown balances which I have never had a late payment and am afraid this may occur due to the mismanagement of opening this account. 

In addition to the hours spent already in the aforementioned complaint I spent additional hours trying to fix my online banking issues. I have attempted several days to contact customer service and resolve this issue. They continue to transfer me from to different departments until I drop from the conversation. Attached are additional documents of me attempting to open my online activity. 

In the aforementioned complaint HSBCs response rewarded me with {$100.00} in rewards points. This is an inadequate amount based on the harm this experience has caused to me credit score and the inability to use the benefits of the card which is why I opened it. Additionally, I can not use any of the rewards I was provided because I can not log on to my accounts although several customer service agents confirmed I opened my online accounts correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
XXXX working on behalf of Seterus has is withholding the check in which they received from my insurance company to repair my roof and den area. The work has been completed by all contractors and all documents that XXXX has required have been uploaded and validated as received, but they refuse to release the actual check. Consequently, contractors are now in the process of suing me civilly for their funds. No one at XXXX seems to know what is going on. Each person states that they have placed the payment request but for some reason the check has not been cut.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My student loans has reappeared on my credit report with a balance without a 5 day notice which is against the FCRA. These loans were paid in full and the credit bureaus has resubmitted them with balances without my knowledge.

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 2018-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My student loans has reappeared on my credit report with a balance without a 5 day notice which is against the FCRA. These loans were paid in full and the credit bureaus has resubmitted them with balances without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My student loans has reappeared on my credit report with a balance without a 5 day notice which is against the FCRA. These loans were paid in full and the credit bureaus has resubmitted them with balances without my knowledge.

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 2018-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2018 @ XXXX I had checked my bank account to confirm my balances and I had a large positive balance. No fees. 

On XX/XX/2018- 4 transactions hit my account at same time. At about XXXX, the processed a {$850.00} check, a bill pay on a utility, direct deposit and overdraft fee. 

To me the overdraft fee shouldn't have been applied because despite the bill transactions including the direct deposit there was more than enough money available to cover both transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant & Weber
State: CA

Complaint narrative:
Grant & Weber ( a collection agency ) is reporting on my XXXX, XXXX  and XXXX XXXX credit reports that I have a negative unpaid account charge in the amount of {$52.00} originating from the original creditor XXXX XXXX XXXX XXXX XXXX. However, I do not owe anything, as I already paid to the creditor XXXX XXXX XXXX XXXX XXXX the original amount owed -- {$50.00}. 
I have a copy of the check ( check # XXXX ) which I will upload here that was already paid to XXXX XXXX XXXX XXXX XXXX for account # XXXX. It shows clearly that {$50.00} was already paid for this account, leaving a XXXX balance owed.

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 2018-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
MY CREDIT SCORE HAS DECREASED BY 17 POINTS AND I HAVE TRIED SEVERAL PHONE NUMBERS AND CAN NOT GET AN ANSWER AS TO WHY MY CREDIT SCORE HAS GONE DOWN. I WANT THIS ANSWERED IMMEDIATELY. THEY ARE ALSO KEEPING INVALID INFORMATION ON MY REPORT EVEN THOUGH IT WAS DISPUTED AND IS CLEARLY NOT VALID.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
YOU DID NOT ANSWER MY QUESTION AT ALL AND DID NOT FIX ANY ISSUES ON MY CREDIT REPORT!!!!!!!!!!!!! TELL ME WHY MY SCORE WENT DOWN 17 POINTS AND FIX THE ISSUES THAT WERE DISPUTED TO YOUR OFFICE. YOU SHOULD ALREADY HAVE THESE ON FILE!!!!!!!!!!!!!!!

MY CREDIT SCORE HAS DECREASED BY 17 POINTS AND I HAVE TRIED SEVERAL PHONE NUMBERS AND CAN NOT GET AN ANSWER AS TO WHY MY CREDIT SCORE HAS GONE DOWN. I WANT THIS ANSWERED IMMEDIATELY. THEY ARE ALSO KEEPING INVALID INFORMATION ON MY REPORT EVEN THOUGH IT WAS DISPUTED AND IS CLEARLY NOT VALID.

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 2018-12-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
I am filing a complaint today because I feel that they submitted a late payment on my credit report for something that was their fault and not mine. 
This started after I was XXXX XXXX XXXX XXXX and placed on XXXX XXXX  XXXX last winter. I had lost 2/3rds or my pay and I was struggling to make my payments. I had to take my Mr. Cooper Mortgage loan off of automatic payments because I was not getting my income regularly as before and not near as much. I was able to maintain my payments, but was late in both XXXX and XXXX with trying to recover from this incident. When I got back on my feet I decided to put my Mr. Cooper account back on automatic payments. I used their app to set this up in XXXX. I found it in XXXX that there was a late payment for XXXX on my account and got it caught up right away. I called Mr. Cooper about this and explained that I set this up on their app for auto pay and it didn't work and now it's on my credit report, and they said they would look into it, but nothing happened. I called and spoke with someone again and was told that the late payment was correct and there was nothing they can do because of the law and I explained that this was their fault. I understand that although I was injured and had issues outside of my control that both XXXX and XXXX are my fault, but the late payment in XXXX was an error on their part. I would like to purchase a house soon and this is a big deal concerning a VA home loan. I filled several complaints with the XXXX XXXX  XXXX but the only response I received was there records show no payment was submitted, which if it didnt work it probably wouldnt show it in the first place. They apparently sent me emails about the missed payment, but as I informed them I have been getting spam email from the at least every other day so I dont get relevant emails about my account because I am unaware of it..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This account has already bin removed due to non ownership. XXXX XXXX in the amount of {$3000.00}

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 2018-12-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
As an account holder in Navient, I have an online account for easy access, but the way they have the set-up is really hard to have much control.

In the month of XX/XX/XXXX, I wanted to add an extra amount on to my minimum payment, to pay off the loan faster, but in order to do so, I had to cancel my current AutoPay amount and reapply. Based on my payments of {$95.00}, I requested an additional {$54.00} to be added, totalling to {$150.00}. I got a notification that my request had to be reviewed in order to get approved. On XX/XX/XXXX I received a message stating the highest they could go was to {$140.00} and that I needed to sig

n up to Auto Pay online on my own accord. Navient 's online setup for AutoPay does not allow one to choose a specific amount, on the contrary, when I called, I was infor
med that my minimum payment would increase, since I had requested to add an extra amount. I asked to representative to explain how the minimum payment was calculated, to which she stated it was based on the amount I wanted to pay. I informed that to my understanding there's a difference between the minimum payment and monthly payment, and the minimum payment was consistent no matter what. She said that Navient calculates payments based on the pay off date, and the pay off date shifts based on how much I pay a month.

In the end the representative cancelled my autopay request, said my minimum payments would now be {$96.00} and everything else I pay would be extra. But in the mean time she had to wait for approval, therefore I would not be receiving interest reduction benefits and accrue interest at a contractual rate ( which since being transferred to Navient on XX/XX/XXXX has gone up from 4.780 % to 5.590 %. In addition, the in my loan term, I could no longer apply to increase payments because I only get one chance to do so, and I used it up. 

Navient has no transparency with consumers, and their online management is very poor and not detailed with loan information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
I have a collection from Kings Credit Service Account number XXXX balance is showing {$27000.00} on XXXX and {$460.00} on XXXX and not reporting on XXXX. can you help me out please. can you remove this account from credit report. 
Thank you XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I HAVE A WESTLAKE FINANCIAL ACCOUNT NUMBER XXXX REPORTING ON MY CREDIT REPROT. I WAS WOUNDERING IF WESTLAKE WOULD REMOVE THIS ACCOUNT IF I DO A SETTLEMENT OFFER.???

Company response to consumer: Closed with explanation