vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
I applied for a modification and OCWEN told me I wasn't eligible for a Modification but that I did qualify for a shared something or other. I was told by several other companies that I DID qualify for a modification, but at the time I was afraid of losing my home so I went with OCWEN 'S horrible horrible offer, I will never ever get my home paid for or be able to sell it to anyone because of the mortgage as it stands right now. I am to pay for years and years and years, 30 of them and at the end I still have a balloon payment of the XXXX that I currently owe, how is that possible or fair? Also, XX/XX/2016 they reduced my mortgage by XXXX and sent the irs a XXXX for cancellation of debt but then they added that same amount back into my mortgage. When I first had the loan servicing with Ocwen, my loan was XXXX now my mortgage balance is like 274,000.00 and I  don't understand why, I have asked them to explain it to me, I have asked them to fix the cancellation of debt because you can't have both, you can't cancel a debt and then add it back into the loan without fixing it with the IRS. Ocwen is also reporting negative things to the credit bureaus and I am current. I asked them to fix it and they just blew me off by sending me a payment history which is when I learned about the debt cancellation mistake. Plus there are all these fees that they charged for inspection and other things that have never been done. They have never ever inspected my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/XXXX I received Mortgage Satisfaction, Letter from Bank of America. Called Bank of America, to inform the paper work was Incomplete. File complaint on XX/XX/XXXX. 
Bank of America called me on XX/XX/XXXX. Bank of America is unwell to give me a date when they will release missing title to my home. On XX/XX/XXXX Bank of America received payment Of XXXX to close the loan. It has 149 days and counting And still I can not prove I own the home I live in.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ronald H. Reynolds, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX has yet to refund me for over payment and the attorney they hired which was XXXX XXXX XXXX XXXX. The bill has been paid since XX/XX/XXXX and the debt is still showing active. Also the debt was over paid and error in credit giving by court documents. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX says one thing in his letters as threating and also tells me the issue is or past on to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX is very rude and thinks he can scare some one not to sue him. First thing XXXX XXXX owes me I don't owe him NOTHING he is the one in error on court credit as the court he entered the wrong amount in credit giving as the court document shows. Next the account was over paid and he owes me money as well for who retain him he received the money. The next issue is 3 garnishments showing on court records by him as not paid and 3 garnishments all the same one showing different amounts as well as ( ACTIVE ) & should show ( COMPLETE ) its been 4 months now nothing but the run around with XXXX XXXX and smart remark letters to my rights. Maybe he should do his job and learn to read and add and stop threating people what they can do. 

Next he tells me the case went to the XXXX XXXX XXXX and still sending me mail just as of the past week been XX/XX/XXXX and as if I owe him money on the same account in which there seems to be some fraud going on to the same account showing nothing paid 1 showing 20 percent and the other nothing but the same garnishment. XXXX check stub is attatch as proof as court documents and XXXX XXXX XXXX. 
It also seems very deceptive of the practice that's been done. 

Documents Attach as Proof

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
This company has reported on my credit an amount of {$480.00} without notification again. This is the 4 time a company has attempted to report on my credit WITHOUT any prior written notification, even after several request none of the below mention agencies have been able to provide proof that this account belongs to me! I am required by law for debt validation along with proof that they are allowed to collect on this supposed debt. 
Diversified Consultants XXXX XXXX XXXX All this companies have reported this supposed charge from XXXX XXXX ( a service I have never had ) with out proof of debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have been notified by my credit reporting company that a hard inquiry was made to XXXX XXXX last week XX/XX/2018. I have not requested any products or services from this company for wireless activity. Please check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 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: BANCO POPULAR DE PUERTO RICO
State: NJ

Complaint narrative:
This account was closed and resolved. It was not on my credit report. The last payment on this house was XX/XX/XXXX and it went to foreclose in XX/XX/XXXX. This account did show on my credit report for the past 11 plus years. I have spoken to several employees from this bank and they all just give me the round around, most of them just hang up or leave me on waiting. They do not want to give me any proper documents to support my case.

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 2018-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This account was closed and resolved. It was not on my credit report. The last payment on this house was XX/XX/XXXX and it went to foreclose in XX/XX/XXXX. This account did show on my credit report for the past 11 plus years. I have spoken to several employees from this bank and they all just give me the round around, most of them just hang up or leave me on waiting. They do not want to give me any proper documents to support my case.

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 2018-04-09 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: NJ

Complaint narrative:
This account was closed and resolved. It was not on my credit report. The last payment on this house was XX/XX/XXXX and it went to foreclose in XX/XX/XXXX. This account did show on my credit report for the past 11 plus years. I have spoken to several employees from this bank and they all just give me the round around, most of them just hang up or leave me on waiting. They do not want to give me any proper documents to support my case.

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 2018-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
Sequium Asset contacted me in regards to my outstanding account with XXXX, Account # XXXX. I agreed to settle the debt for {$1000.00} on XX/XX/XXXX. Agent advised me that I will receive an email that states that account had been settled and that they will contact XXXX XXXX, XXXX to alert them that debt had been satisfied. I received the " paid in full '' letter from Sequium as promised, but XXXX XXXX claims that Sequium has not yet released the money I paid. I tried calling Sequium 11X and advised them that XXXX is still waiting for them to release money I paid. Sequium continues to give me the run around. At first Sequium advised me that they will contact XXXX right away, the next time I called the agent said the end of the month and on another call the manager said on the XX/XX/XXXX they will contact XXXX and on the last call I made the manager said he can no longer assist me since account is no longer with them because debt was already settled. I don't know what else to do no one seems to have the answer to where my money went. XXXX as of XX/XX/XXXX has not yet received my payment. 

Attached is receipt of settlement I made with Sequium to satisfies debt owe with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
XXXX XXXX contacted me in regards to my outstanding account with XXXX, Account # XXXX. I agreed to settle the debt for {$1000.00} on XX/XX/XXXX. Agent advised me that I will receive an email that states that account had been settled and that they will contact XXXX XXXX, XXXX to alert them that debt had been satisfied. I received the " paid in full '' letter from XXXX as promised, but XXXX   XXXX claims that XXXX has not yet released the money I paid. I tried calling XXXX 11X and advised them that XXXX  is still waiting for them to release money I paid. XXXX continues to give me the run around. At first XXXX advised me that they will contact XXXX right away, the next time I called the agent said the end of the month and on another call the manager said on the XX/XX/XXXX they will contact XXXX and on the last call I made the manager said he can no longer assist me since account is no longer with them because debt was already settled. I don't know what else to do no one seems to have the answer to where my money went. XXXX  as of XX/XX/XXXX has not yet received my payment. 

Attached is receipt of settlement I made with XXXX to satisfies debt owe with XXXX 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 2018-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: AZ

Complaint narrative:
I applied for a car loan and was notified that I had a negative mark on my credit for a collection for {$130.00} from XXXX XXXX XXXX also know as SEQUIUM ASSET SOLUTIONS , LLC. I contacted the company and told them that I never received any type of notification about the debt, not 1 letter or notice of any kind. They had the wrong address on file. I paid the debt on XX/XX/XXXX. They never sent me a verification letter and just recently ( between XX/XX/XXXX - XX/XX/XXXX ) the debt has shown up on my credit report again. It went from a balance of {$0.00} back to {$130.00} and is listed as a derogatory mark. I already paid the debt in full. This company is terrible. I tried to dispute an error with them and they refused to delete it from my credit so I disputed it with XXXX and they didn't remove it either. It's a helpless feeling to know that you were wronged and there's nothing you can do about it. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
On XX/XX/XXXX, I made a payment of {$70.00} on my XXXX 's credit card account. This was the full balance requested, with a due date of XX/XX/XXXX. My balance went to {$0.00}. I subsequently received a bill for {$2.00} " fee '', further described as a " minimum interest charge '' on my account, with a due date of XX/XX/XXXX, showing no other charges or fees. 

On calling XXXX 's toll-free number, I was put through the automated system, in which the last question was, " are you calling in reference to a minimum interest fee? ", and when I indicated that I was, I was told that the fee would be deleted, and my statement updated. I then received the explanation that the fee was charged for the balance between the date of the statement billed for {$70.00}, and the date of the payment. This was done even though payment in full was made before the payment was due! 

This is the second time that a fee like this has been charged to my account on a balance of {$0.00}, but no such fee is charged, or has ever been charged, on any other account I have or have had in the past. This account is not supposed to have a revolving fee. If payment in full is received by the due date, there should be no interest or other fees charged. If the balance is {$0.00} before the due date, then there is no balance for interest to be charged on. I feel that the collection of interest on money that is not owed to a merchant is fraudulent, but unless I'm a special case, this is being charged to thousands, perhaps millions of customers. 

I previously reported a similar occurrence to the CFPB, and received what seemed to be a satisfactory response at that time. But clearly XXXX XXXX has not changed their policy. Agreeing to waive an improper fee when someone complains is no substitute for honest dealing in the first place. Many consumers will not complain, and as long as XXXX 's decides when to waive it, they can withdraw that offer at any time and resume charging interest on a balance of {$0.00}. This needs 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 2018-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
I have been in contact with SPS multiple times over the past 6 months to try and work out a solution. I asked about a forbearance plan to possibly move the missed payments to the end of the loan and I was told no. I asked about redoing the loan modification and was told no. They only thing they offered was an outstanding repayment plan over {$2200.00} a month. 

My wife had a XXXX last XX/XX/XXXX ( XX/XX/XXXX ) and missed a lot of work and we fell behind on our mortgage payment. I had talked to SPS about this and they did not seem like they wanted to try and work out anything. My wife also had to leave her job in XX/XX/XXXX and find a new job. She did find a new job but, this was 42 days later. This put us further behind. 

We are current {$11000.00} behind and do not want to lose our home or file for BK- no one wins in this. 

I would like some help working this out with SPS and understanding what they are telling us and how we should proceed. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Acct # XXXX Chase Mortgage Property address : XXXX XXXX XXXX, XXXX XXXX, Fl XXXX Complains : XXXX XXXX I am trying to reach Chase regarding this Home Equity Loan. I request these twice already. I can not recall any of these transactions. I request copy of paper checks showing my signature. I am only requesting this because I moved many times around Florida and I do not remembered making these transactions. Chase send me a computer screen shot printed but they said that they won't provide additional information because they are unavailable. 
I can not understand why they send me with a XXXX but they do not have proof of my signature on this transactions. I want this to be corrected. Why they are sending XXXX without evidence. 
I am requesting something simple. Why they do not have evidence or prove? Why they are sending a XXXX without evidence?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have an incorrect discrepancy on my TransUnion Credit Report. I want to dispute this charge. After multiple telephone calls I still could not log in to Transunions website to complete the dispute resolution. Finally I called to dispute and the operator barely spoke English and the telephone call was cutting in and out so bad communication was not possible. Same problem when I called back. Therefore I was unable to dispute this inaccurate item on my credit. Credit Reporting agencies should have some responsibility to provide easy access to erroneous credit information, especially since they don't seem to be able to secure their computer systems against data theft. 

XX/XX/2018 Calls placed between XXXX -- XXXX Central time USA

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 2018-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
Hello, This company ( Portfolio Recovery ) has been attempting to collect a debt from me and are reporting it on my credit report. I've informed them that they are mistaken in saying I owe them anything. I've sent them disputes asking for records that PROVE I owe this debt, and all they send me in return is a billing statement summary with a one time transaction for {$1100.00}. I've even given them the benefit of proving this by sending me something that I signed that shows this to be true. I've also asked for various means of proof that they did an investigation, including names and dates, and they refuse to provide me with any. I sent a dispute informing them of my rights under the FDCPA in response to a letter I got from them dated XX/XX/XXXX on XX/XX/XXXX asking for the above items, and they sent me this generic billing statement dated XX/XX/XXXX. I sent another on XX/XX/XXXX, and they still didn't provide me with anything I requested under the FDCPA, again sending me only the same statement as before dated for XX/XX/XXXX. I sent one final letter on XX/XX/XXXX indicating that they were violating the law by not providing me with the requested items, even citing case law, and they sent me the EXACT same response as the former, but dated XX/XX/XXXX. This company is impeding my opportunities to advance financially by flagrantly breaking the law. 

Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX TransUnion Credit report XX/XX/XXXX XXXX XXXX XXXX XXXX have last payment as XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} From XXXX/XXXX/XXXX to XX/XX/XXXX is five years. 
According to Florida State Statute 95.11 ( a ) ( b ), a debt is no longer legally collectible after five years, thus making this debt no longer legally collectible. 
The entire amount is no longer collectible and should not be shown on my report as any attempt to collect a debt which is otherwise uncollectible is illegal I send Transunion and XXXX XXXX a letter telling them that is not my account. 
Transunion send me a letter on XX/XX/XXXX verified as accurate and updated Transunion send me a letter onXX/XX/XXXX verified as accurate and updated

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 2018-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Seben Hospitality Investments LLC
State: TX

Complaint narrative:
I was contacted by a company called " Helping Hands ''. This company told me I qualified for the Student Loan Forgiveness Program. I was told I would be charged a fee paid over a few months. I paid the fee. I was told I qualified for the Student Loan Forgiveness Program and my loan would be forgiven. My credit scores would dramatically improve, etc. None of this happened and I am receiving letters demanding payments I can not afford. I don't know what to do. When I try to contact this company, my emails are returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XXXX 's client XXXX XXXX is an identity theft victim. His information was used to apply for several credit cards without his consent. An application was submitted to American Express ; while the application was declined and no account established, the fraudulent related inquiry was made into his XXXX credit report. An official dispute of this application and inquiry was sent to American Express XX/XX/2018 however as of this date American Express has failed to reply which is a violation of federal consumer law.

Company response to consumer: Closed with non-monetary relief