vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OK

Complaint narrative:
A student loan telemarketer called and said she could save me $ 15k - $ 20k on my  student loans. All they ended up doing is raising my interest rate and putting me with a new lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I have a mortgage with " PHH '' that was transferred to them from " Ocwen '' in  XXXX of this year. ( XXXX ) I have paid my mortgage on time every time with both parties. 

In XX/XX/XXXX, I received a bill with an additional amount of {$1600.00} included in a field called " Assessed Expenses ''. My online account through PHH has NEVER reflected this amount and I never received any formal notice on why or how this amount was simply added into bill. Naturally, I called the company about it and I was informed that it was an error. I was told that I was not behind on any payments and that I should just send in my " regular '' mortgage payment amount. 

The same thing has happened with my bill for each month since then. Today I wasted an hour of my time on the phone between two representatives that where both trying to convince me that the charge came from a loan modification that took place 7 years ago in XXXX. Not only that ; but that the previous company " Ocwen '' randomly just decided to bill them for it this year in XXXX of XXXX. 

I asked some very simple questions that should have been simple to answer for any party requesting payment from someone. 

1 ) Why in XXXX am I just getting a charge for something that was fully executed in XXXX? 
2 ) What " fees '' exactly added up to this amount of {$1600.00}? 
3 ) How could a modification get completed without all of the fees for services required to complete being paid? 
4 ) Do you ( or " Ocwen '' ) have proof to show that I did not cover something that I was responsible for? 
5 ) If I had paid my mortgage off by now ; who would you have billed for this? 
6 ) Why did I not receive any additional form of communication explaining why this was being added to my bill and how I am now responsible for it? 

I did not receive a straight answer ( when they actually attempted to answer ) for any of these questions. As of today, my online account still only has my regular payment amount showing as due. Something is definitely off here. 

Please help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Dear Ally, Consumer Financial Protection Bureau, CFPB, AND 3 Credit Bureaus ( XXXX, XXXX, and XXXX ) : I HAVE CONTACTED ALLY BANK SEVERAL TIMES OVER THE PHONE TO NO AVAIL, AND THE 3 CREDIT BUREAUS. MAKE THE CORRECTIONS OR YOU WILL NOT RECEIVE XX/XX/2019 NOR XX/XX/2019 Payment. I have included WOES for you to execute. Sincerely and Respectfully, XXXX XXXX MD Phone : XXXX Email : XXXX 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 2019-10-01 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: GA

Complaint narrative:
Dear XXXX, Consumer Financial Protection Bureau, CFPB, AND 3 Credit Bureaus ( XXXX, XXXX, and Equifax ) : I HAVE CONTACTED XXXX XXXX SEVERAL TIMES OVER THE PHONE TO NO AVAIL, AND THE 3 CREDIT BUREAUS. MAKE THE CORRECTIONS OR YOU WILL NOT RECEIVE XX/XX/2019 NOR XX/XX/2019 Payment. I have included WOES for you to execute. Sincerely and Respectfully, XXXX XXXX MD Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Recently in various news outlets such as XXXX XXXX and many others it was brought to my attention that Navient my current provider was engaging in illegal or deceptive practices which involves pushing students deeper into debt by making them forbearance on there loans causing the interest to swell up and make it impossible for the borrow to pay back the loans. With this new information the company should be shut down forever by the government for there illegal and deceptive practices and the money I paid the service provider should be repaid to me in full plus the remainder balance of my student loans along with other should be wiped clean. This is illegal and they should not be allowed to do this or have an operating company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MarkOne Holdings, LLC
State: TX

Complaint narrative:
Markone/XXXX  is maliciously and intentionally reporting inaccurate information on my credit report. I have disputed this account numerous times and it has been illegally verified as accurate. Every month they have update my credit report with a balance that in no way shape of form matches the information that they have sent me. Every time that I dispute the account, XXXX  comes back as verified as accurate while XXXX  and XXXX   have both deleted this account in 2017. I had provided the same documentation to all three credit bureaus however, XXXX  will not remove the account for inaccurate reporting. I have also sent XXXX additional documentation that I have received from the creditor stating the balance, however they informed me that it doesnt matter what I send them, they go with what the creditor tells them. I want this inaccurate, injurious, erroneous information removed immediately from my credit report. I have attached the backup for my claim and I would greatly appreciate it if you would help me get this remove immediately.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I received a summons from Midland Funding LLC saying that I had defaulted on a XXXX XXXX that was issued to someone living in XXXX, MI. The statements attached to the summons show that the credit card was defaulted on back in XXXX. When checking my credit report I see that Midland Funding added themselves as a creditor and the XXXX, MI address to the credit report back in XX/XX/XXXX. 
This is fraud. 
My only address is in XXXX XXXX at the house I have owned for over 30 years. I have had only one credit card for many years and it was not issued by XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have disputed it numerous times because it is not my debt and after careful review of the documents that were provided, the amount that is allegedly owed is incorrect. According to the documents provided by National Credit Systems, there is a balance of {$300.00} due. The breakout of this balance is Online Admin Fee of {$150.00}, Online Appl Fee of {$50.00} and 2 {$50.00} NSF Fees. Per the documents provided, there was only one payment made on this account. How are there 2 NSF Fees? I have disputed this debt with all 3 credit bureaus. Both XXXX  and XXXX have removed this account because the company was not able to validate the balance per the FCBA. The Fair Credit Billing Act is a federal law enacted to protect consumers from unfair billing practices, such as unauthorized charges, charges for unaccepted or undelivered goods and services and other disputed charges. I have also contacted the apartment complex and they have no record of me applying for an apartment or living there. I'm not sure how National Credit Systems is getting their information because the person that they claim to have validated the information with is not an employee of the apartment complex or company that this alleged debt is being collected for. I would appreciate it your assistance in this matter. This account has caused me to be billed double security deposits and I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: ID Analytics, Inc.
State: FL

Complaint narrative:
I have called SageStream no less than 10 times over the past few weeks and can not get a live person. There is also a prompt when calling, to have a SageStream representative return your call ( without losing your place in line ). No one has reached to me. After countless attempts by phone, I submitted an electronic request via email on XX/XX/XXXX and again on XX/XX/XXXX ( 2nd request ) for a Full Disclosure Consumer Report, Security Freeze, and SageStream Score. I followed the instructions from their very own Website and faxed my personal and sensitive information along with proof of identification ( driver license ) to SageStreams secure fax line ( XXXX ). I have yet to hear from them. They have not responded in any way ; not even an automatic reply confirming my request was received and will be processed in a certain timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Conn's, Inc.
State: TX

Complaint narrative:
I have multiple complaints about this company. This company originally contacted my mother on XX/XX/XXXX.  They said they were calling her about a Legal case filed against me. When I called back they answered the phone as law office. They refused to give me information on their location and hung up on me when I asked too many questions. They told me I was a deadbeat and didn't pay my bills They called me again today XX/XX/XXXX. They said they were calling for litigation filed against me in my local district attorneys office. They said they represented Conns, that they were lawyers and they were calling to get a statement before filing paperwork against me and sending it to me. 
This debt is almost 15 years old. It occurred back in XX/XX/XXXX. I have a current account with Conns and pay all of my bills. 
This company has harassed my family members, they pretend to be lawyers calling from a law office. The address they gave me to their business is to a postal service in California. They call multiple times per day. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: CA

Complaint narrative:
On XX/XX/XXXX, I called Equifax to follow up on the results of a dispute that I filed based on a fraud claim on which Equifax has my supporting documents on file ( police report, FTC affidavit, ID, ss card, address verification, etc ). The claim on this particular item was originally filed on XX/XX/19 with XXXX. They reported the fraudulent account to XXXX  and Equifax. Both XXXX  and XXXX deleted the account immediately. Equifax did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Some one at XXXX XXXX in XXXX Ohio on XXXX XXXX like case manager XXXX XXXX before she went on perternty leave to have her baby made mother precious XXXX XXXX my payee with out my consent or authorization because I gave my daughter XXXX XXXX XXXX XXXX to complete her internship in XXXX school to get her XXXX XXXX XXXX XXXX in XXXX school. XXXX XXXX a prejudice white boy in XXXX XXXX Ohio that have been stocky harassing and blocking my Light because I am a XXXX degree XXXX trying to connect to the oneness of XXXX all-seeing I at XXXX XXXX in XXXX Illinois at XXXX in XXXX XXXX California confered degree XXXX XXXX in my seventh XXXX Degree Initiation at XXXX XXXX in XXXX Illinois where precious XXXX XXXX and XXXX XXXX the joker are with XXXX XXXX and his mother after my index finger and kids index finger. Camping out all XXXX following everyone I go even To work he has his XXXX members after me him and XXXX XXXX the joker in XXXX Ohio blocking my Light

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently tried to dispute a list of 13 inquiries from my TransUnion credit report that I believe were fraudulent. TransUnion has yet to remove them from my credit report after now completing the investigation The list of inquiries 1. XXXX XXXX- XX/XX/XXXX 2. XXXX XXXX- XX/XX/XXXX 3. XXXX XXXX- XX/XX/XXXX 4. XXXX XXXX- XX/XX/XXXX 5. XXXX- XX/XX/XXXX 6. XXXX- XX/XX/XXXX 7. XXXX/XXXX- XX/XX/XXXX 8. XXXX/ XXXX- XX/XX/XXXX 9. XXXX XXXX- XX/XX/XXXX. XXXX XXXX   XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I recently found out I am a victim of fraud and I am trying to clean up the mess before my credit gets any worst

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 2019-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: NV

Complaint narrative:
According to the credit report this was opened in XXXX XXXX. My son and I went to the XXXX XXXX store because they had a promo at the time. It was a buy one get one free phone and a {$300.00} gift card. We chose our phones and went home. My son 's phone was defective so he returned it.The replacement phone came in the mail but it was also defective and it took them a while to send it to him. The gift card was not issued even after a couple of billing cycles passed. 
At this time, I decided to just return both phones to the store and not pay the bill. EOS CCA, claims that I should pay {$1200.00} as of XXXX, XXXX. The last time I told the collection agent that I will not pay that amount since we returned the phones and I never received the gift card as was promised. 
I would like help in resolving this matter because I consider it false advertising for defective products.It is

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
XXXX  XXXX XXXX took my house under false pretenses by saying that we needed to fall behind on our mortgage in order for them to help us under HARP. 
The house was foreclosed on after years of harassment. They got my house lost a lawsuit for fraud for taking the house. Reported the check they had to send for screwing my whole family as an income for tax purposes, just as a criminal enterprise would, and then has the balls to sell debt on the house to a 3rd party debt collector. ( CMRE ) I will NOT pay one cent on debt already settled once!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft

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 2019-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Centron Services
State: WA

Complaint narrative:
I received no notification from the collector of this debt prior to the collector placing the account on my credit report. Despite being legally obligated, the collector failed to provide any sort of Dunning Letter, violating my right to dispute the debt within thirty days as guaranteed to me under the Fair Credit Reporting Act. To the best of my knowledge, I do not owe the original creditor any money, as they granted me financial assistance covering all medical bills accrued with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: MIDFIRST BANK
State: CA

Complaint narrative:
Account reports 30 day late payment for XX/XX/2019 and XX/XX/2019. 
XX/XX/2019 payment was made XX/XX/2019. 
XX/XX/2019 payment was made XX/XX/2019.

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 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ

Complaint narrative:
Until my bankruptcy in XXXX ( discharged in XX/XX/XXXX ), Lakeview ( XXXX ) reported my mortgage to all 3 major Credit Bureaus. I was told by their customer service, that they would stop reporting during the bankruptcy and start reporting again, when the bankruptcy is discharged. I exempted the mortgage from the bankruptcy, even if XXXX showed absolutely no interest in reaffirming the mortgage. 
However, the bankruptcy is now discharged for over 8 month and Lakeview ( XXXX ) is still not reporting to the Credit Bureaus. I called there several times and wrote numerous emails and letters, but did not receive any answers. Their customer service is almost impossible to reach, and if I get through to them, they have absolutely no knowledge about my mortgage and are completely unable to provide any advise or help with this issue. Needless to say, with them not reporting my ( always on time ) payments, my credit score suffers a lot.

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 2019-10-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: WA

Complaint narrative:
I was in a wreck on XX/XX/19. The car was a total loss and the insurance company declare it so within a week. US Bank is the lease holder. For nearly a month my insurance has ( XXXX ) has been attempting to pay off the car. They have submitted all the requested paperwork to US Bankand have even conferences me in on a call to them to confirm that they have received all the documentation. Each time US Bank tells them to refax the information, which they do immediately. They have also emailed me confirmation. Still US Bank has not provided them with a pay off information. I just got a bill in the email for the next payment for a car that was wrecked over a month ago. I have already purchased a new one since I had to have transportation and cant and should not have to pay on a car that is totaled and which the insurance company is willing and able to pay off! US Bank has provided no reason why they are not completing this transaction, and when I call and ask what I need to do, they just direct me to call the insurance company so they can fax documents again. It is a never ending circle and US Bank has not escalated this issue or offered to help in any way.

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 2019-10-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America took my house under false pretenses by saying that we needed to fall behind on our mortgage in order for them to help us under HARP. 
The house was foreclosed on after years of harassment. They got my house lost a lawsuit for fraud for taking the house. Reported the check they had to send for screwing my whole family as an income for tax purposes, just as a criminal enterprise would, and then has the balls to sell debt on the house to a 3rd party debt collector. ( XXXX ) I will NOT pay one cent on debt already settled once!

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 2019-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: NV

Complaint narrative:
On XX/XX/19 i sent by certified mail to Loancare LLCs overnight address a letter requesting my single point of contact reach out to me via email as i tried to reach them but Loancare said they were not available for me to speak with. I was unable to find out from customer service of a Notice of Default had been filed. Loancare ignored my request called me due to what they call missing information in my loss mitigation and sent me to foreclosure instead of working with me in good faith to help me keep my home. I would like to know why they ignored my request delivered in good faith asking for assistance due to XXXX to contact me via email instead of calling, ignoring the letter sent and the information provided.

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