vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
PHH Mortgage # XXXX Mortgage swapped several times between OCWEN and PHH ( who is owned by OCWEN ) Purchased property XX/XX/XXXX XXXX XX/XX/XXXX ) XXXX of Market Bubble Applied for HAMP in XXXX and finally was processed XX/XX/XXXX. 
8 % loan reduced to 4 % but term turned from 30 year total ( 21 years remaining ) to a new total of 42 years, with a $ XXXX balloon at end of original 30 year term. 
Timely - I think not. Letter stating a {$5000.00} deduction from principal due at 6 year anniversary of HAMP - in XXXX of XXXX. Letter also states you CAN NOT TOUCH the loan, as is if you refinance this - you lose the {$5000.00}. That translates into a LOCK against refinancing at current rates of 2.6 %. That is corporate bully/robbery

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have contacted Ally Financial multiple times about my timely payments that have not been reported since XXXX of XXXX. Additionally, my vehicle was involved in an auto accident where the other individual left the scene and the car was totaled. As a result, my insurer, XXXX, paid roughly {$16000.00} towards my car loan. That balance has not been reported either and it has been about 2 months since XXXX paid Ally Financial. I am upset because Ally Financial prioritizes reporting payments if late, but when payments are made on time, the same priority is not carried over. Therefore, the information they are reporting is not representative of my payment history and thus unfair and in violation of the Fair Credit Reporting Act. I have contacted Ally Financial about three times ; the first individual explained that it was a technical issue that was being worked on, the second individual gave me a case number ( XXXX ), and the third individual could not even comprehend my issue and gave me responses that did not make sense. Additionally the third individual I spoke to on XX/XX/XXXX said another representative from the company would be calling me back in a few days to discuss my issue ... it is now XX/XX/XXXX and I have not received a call concerning the issue. I am escalating this primarily because it impacts my credit worthiness and I need to replace my car as well as go for other credit. Hence, the $ 19,000+ that is currently shown by the credit bureaus could have an adverse effect on any lending considerations. Ally Financial has blatantly failed to show concern for my issue and has amplified that with their inaction. They prioritize calling me everyday to make sure my final {$300.00} dollar payment is made, but provide zero mention of my issue with the company. Once again, if it was a late payment, Ally Financial would waste absolutely no time updating the credit bureaus with the most current data. Therefore, if the Ally Financial is going to report late payments, Ally Financial is also obligated to report timely payments ... or not report at all. The fact that it has been almost 6 months without a single report is absolutely unacceptable.

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 2020-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Someone opened a checking account with Citi under my social security around XX/XX/XXXX. I spoke to Citi and they said they would close and flag the account and investigate the fraud. On XX/XX/XXXX I received a letter saying that {$45000.00} was transfer out of my account. I have not activated this account nor have I put money in it.

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 2020-05-22 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I currently have been trying to get a car, and having trouble getting financed. Recently, I received a notice from XXXX XXXX  saying that SageStream , LLC reported a way lower credit score than what is on file with the actual credit agencies, and how would this company be able to report this information if they were unable to reach the credit agencies for the correct information, they never once attempted to contact me to confirm or deny any of the information they provided this financial institution, but their report is what this financial institution based their decision. The letter I received even confirms " that this agency may not have enough information about my credit history to calculate a score. I have monitored my credit through XXXX XXXX, as well as XXXX XXXX, who provide it for free and it also helps me stay on top of my credit report. this company has no information in regards to my identity, payment history, or my actual credit score, they just picked a number and based it off of what???? the reports they could not obtain from the credit agencies XXXX, XXXX, or XXXX. but yet they claim they have my calculated score??? HOW IS THAT POSSIBLE???? based on no information that is accurate from this company is what determined my ability to purchase a vehicle, even though I have a credit score in the 600 range through the actual credit bureaus. due to this unfair inaccurate report, it has caused me to be denied unfairly. so if they were unable to obtain information from XXXX  on XX/XX/2020, and it doesnt show any other inquiry to other agencies, how were they able to on the same day provide a credit score of XXXX, when I have a score for XXXX  of XXXX and XXXX  is XXXX but they lied about this score however they obtained it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX, On XX/XX/2020 Citi was paid {$35.00} and I have proof.. Now they are telling me that that payment is over due and are billing me {$29.00} late fee. When I call them, they just give me an automated system to " collect the debt '' I've even chatted on line with no help. They do not let me talk with a " liver '' person and I'm over it. I have sent them a letter & copy of payments and a check for {$260.00} and told them to close my account They have really caused me a lot of stress and time. I would like for them to be stopped. 

Sincerely

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 2020-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: A.R.M. Solutions, Inc.
State: CA

Complaint narrative:
Our house had damage by water leaking from the toilet on the second floor. We requested for help from the XXXX XXXX XXXX XXXX. They assigned XXXX XXXX services to do the repairing. XXXX XXXX technician came to our house once. and left right after 5 minutes. He did not do or say anything to us. We thought that he might need more equipment to finish, but no, he had never come back. We had to contact the XXXX XXXX XXXX XXXX again. Ofcourse, several time contacting, The insurance company found out the reason from XXXX and request us to having the Asbestos test for that damage which was required by law. That Asbestos was not absolutely not covered by The home warranty ins. We had to request XXXX- our home involved. XXXX XXXX  had their carrier come to our house to dry the house, opened the walls from 1st floor to 2nd floor to do the asbestos test. The test was negative. I contacted XXXX again and again asking them to come back to our finish the job such as repair the toilet and put the wall back to normal. XXXX had never come back since then. We could not leave the toilet leaking and the wall opened forever, We had to pay for the different plumping service to finish the whole thing. However, XXXX kept sending us invoice {$75.00} copay, even they did not do anything. How could we pay for that bad service?. It is not fair at all to pay for a company as XXXX. Recently, we received a notice from A.R.M Solution Inc., a collector agency. Please help us to dispute this debt. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A.
State: CA

Complaint narrative:
PLEASE NOTE : The account number submitted with this claim is the CURRENT account number. The account number was CHANGED after the fraud was reported, and new cards were sent out. The account number submitted in this claim is the NEW one, and the OLD number is linked to this active account. ALL of the fraudulent charges referenced were charged to the OLD account number. 
Between XX/XX/XXXX and XX/XX/XXXX, about 162 separate fraudulent charges ( appearing as " XXXX '' and " XXXX '' ) appeared on our CitiCard XXXX   MasterCard. No actual purchases had taken place. A cursory calculation revealed charges in excess of {$3200.00} of fraudulent purchases, and an estimated $ 900+ in interest chargers collected by Citi . We made multiple phone calls to Citi 's customer service lines, and they disconnected us each time, after several long minutes, without a call back. We sent a detailed letter by USPS certified mail to Citi, which was received on XX/XX/XXXX. On XX/XX/XXXX, after failing to receive any acknowledgement or contact in reference to the fraud, we sent a fax to " Citi Brands Credit Bureau Disputes '', containing copies of every page of the 10-month series of statements, with the fraudulent charges clearly marked. Although there is a means of disputing charges online, Citi cut off the online disputed charges at a XX/XX/XXXX entry without comment, and has failed to either contact us nor adjudicate that limited number of claims, which represents a fraction of the charges. 
With our correspondence, we included web links and hard copy pages of research which demonstrated the well-known status within the banking/credit card industry of this specific fraud, dating back to, at latest, XX/XX/XXXX, and as much as 5 years prior to the first one appearing on our XX/XX/XXXX statement. We believe there is more than enough proof of fraud, that Citi is profiting by it, and their neglect to even confirm or act on our claim is intolerable.

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 2020-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
I keep getting calls and letters trying to get me to negotiate a debt Ive never contracted with them ( Cap Stone Credit & Collections, LLC ) NOR that they've never verified was mines. It's very embarrassing and upsettings to keep getting harassed about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
I have been having the biggest issue with Carrington Mortgage. I have held many mortgages and have never been late in over 30 years. I already hate that my mortgage keeps being sold to a different company every time I look up and each company is harder to deal with. In XXXX of XXXX my mortgage was sold to Carrington Mortgage. Carrington Mortgage charges a fee to pay online, and a fee to pay over the phone so I send my payment through the mail which is my normal process anyway but I have never seen a company charge to pay online. I mailed my payment as I always have in XXXX of XXXX and when I noticed they still didn't take my payment out of my account, I called them via phone on XX/XX/XXXX and was advised to give it a few more days because it would be a charge to stop payment on the check, a charge to pay it over the phone and a late fee. I stated I have never had a payment lost in the mail and that it would be up to a supervisor to waive the late fee. Still no payment was deducted out of my account so I then paid through the automated system and had to pay a fee, and was charged a late fee. I am very disappointed with how I was treated by this new company that can clearly see I have stellar payment history and always have for over 30 years as I have owned multiple homes. Carrington was unreasonable for a true and honest issue that was clearly out of my control. I have never had a payment lost in the mail before and I pay majority of my bills through the mail. Carrington mortgage keeps calling me to ask if I want to refinance with them. They refuse to resolve the issue that occurred with my account. I have had my mortgage on this home since XXXX and I have NEVER had a late payment and I want it removed. This is my XXXX home in 30 years and I have NEVER had an issue like this before. I have called and wrote letters and have been unsuccessful in getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm having issues updating my address on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
After my husband who was the sole breadwinner of our household became ill, are property fell into foreclosure. We put the property on the market and received an offer in XX/XX/XXXX. The offer was submitted to our loans servicer for a short sale approval. In XX/XX/XXXX, the buyer canceled because the bank took too long. Then in XX/XX/XXXX we received another offer which we again submitted to the bank for approval. Since XX/XX/XXXX we have done everything asked of us from the bank to attempt to obtain an approval. The bank again delayed, delayed and delayed some more. Unfortunately, in the course of attempting to secure the short sale approval, my husband died. Each time we have presented the bank with an offer they reject it for being too low. The buyer came all the way up to {$540000.00}. The lender has had this offer since at least early XXXX. I ordered an independent appraisal of the property earlier this year which came back at {$510000.00}. Today when we contacted the bank, we were advised that on XX/XX/XXXX an appraisal was conducted and home appraised at {$470000.00}. When we asked about the status of the {$540000.00} offer that the buyer had submitted several months ago, we were advised that the offer had been declined by the investor. I was shocked. I do not understand how an offer which is {$70000.00} higher than the bank 's own appraisal could be rejected. After researching the matter a bit on the Internet, I realized that since this is a servicer who owns this loan, it may be that they are trying to delay the process to make more fees on the servicing of the loan. Or, in the alternative, perhaps the owner of the loan is simply going to make more money from a mortgage insurance claim. I can't figure out why this is happening to us. I have made a good faith, diligent effort to attempt to minimize the bank 's losses and to try to salvage what's left of my credit. However, the bank continues to delay and demand documents that have been submitted on multiple occasions and requiring the buyer to increase their offer which by their own admission is {$70000.00} more than the appraised value. I am no attorney but this seems like a highly unfair and deceptive business practice which this investor and their servicer are engaging in. I would appreciate any help you can provide in investigating this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I have tired to dispute a car loan that was opened/co-signed in my name by a former spouse. During the time the loan was opened I was XXXX so there is no way I can possibly have opened the loan. I have documents to prove that as well and will add those to my compliant. I have tired 3 times now and can not seem to get them to remove it. The documents will show I was in XXXX  on XX/XX/2016. I had trial XX/XX/2016 and my XXXX was XXXX months which would make no sense as to how I would be able to get a car loan

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 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I disputed bankruptcies showing on my credit report with Experian. The results came back " verified '' so I asked the company how was this information verified, at 1st I was told through the US Courts so I contacted the courts and they advised several times that they do NOT communicate in any way with credit bureaus nor any other types of data furnishers.. So I called back and asked again and was told the info came from another data furnisher. I asked Experian to send me their method of verification so that I may dispute it with this data furnisher and they basically are saying they can't.. I advised by law my consumer rights allow me to request this information and that they have a duty to properly investigate anything I dispute according to the fcra. I also advised that per the fcra anything not 100 % verified has to be deleted. So I requested proof that includes any documents or statements from this data furnisher in regards to this investigation. I advised a proper investigation has to be done that includes proof and just taking the word from a 3rd party does not validate anything on my credit report. The end result is Experian basically telling me the dispute is closed

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 2020-05-22 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: NY

Complaint narrative:
My identity was stolen and 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 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm having issues updating my address on my credit report.

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 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm having issues updating my address on my credit report.

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 2020-05-22 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: NY

Complaint narrative:
My identity was stolen and 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 2020-05-22 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: NY

Complaint narrative:
My identity was stolen and used

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: NY

Complaint narrative:
Not my accounts or inquires

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 2020-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: MO

Complaint narrative:
I have a mortgage with Caliber Home Loans, and am working to refinance the loan. Early in the process we agreed to terms, and they requested we lock in the rate. So we did. However, they only locked in the interest rate. They changed the points amount throughout the process. We noticed early on that the points were increasing to get the previously agreed upon interest rate and amount related was increasing over time. 

Because we noticed this and brought it up a number of times, they gave us a lenders credit to offset the difference. Therefore, we don't personally have any damages ; however, this is an extremely sneaky practice by Caliber to increase the amount they charge people for mortgages. I am sure there are a significant number of people that they have done this to that have not identified the changes.

Company response to consumer: Closed with explanation