vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
i paid off my loan that i had with ocwen. i had a payoff quote good until XX/XX/2018 for the amount of {$120000.00}. They received that amount on XX/XX/2018. At the time, my escrow Balance was {$1600.00}, which i have from my online account and i also have a statement date XX/XX/2018.  Shortly after paying my account off i noticed my escrow fall to $ XXXX, with no reason as to why. No taxes or insurances were paid to make this happen. i received a check from them in the amount of {$900.00}. I contacted Ocwen and the person i spoke with ( i dont know their names because they dont speak very good english at all ) told me that the reason for the difference was that my payoff was actually {$120000.00} and thats why i received less, because i didnt send enough to cover my payoff. I pointed out to him that i sent exactly hat was listed on my payoff letter i received and i also sent it a day early. After looking into that, he agreed that i was correct. So then i asked for a explanation fo the escrow and he couldnt come up with one. i asked to speak with a escalation manager, whose name i also dont know but his extension is XXXX he tried to tell me that i had less in my escrow account than stated everywhere in my online account. He asked for a few days to resolve this and i agreed, but then told me no, i wasnt entitled to any more money. They tried to tell me that in XX/XX/XXXX i had XXXX in my excrow and then they paid my insurance which brought it down, however as stated in the payment history and in disbursement schedule, i had {$2300.00} when they received my payment in XX/XX/XXXX, then the {$1200.00} for my home insurance came out on XXXXXX/XX/XXXX leaving me with {$1100.00} and i made a payment adding {$570.00}. in the end, i had {$1600.00} in my escrow and i am entitled to all of that back. i am requesting they send me the difference in the {$1600.00} and the {$900.00} i have recieved plus interest. At this point my taxes are due which i was using this escrow money to pay for. i dont feel im being unreasonable as everything i have that i am using in my favor, came from Ocwens website. This is the info they have given me! The most recent contact i have is with XXXX XXXX at XXXX, she needs from XX/XX/XXXX until friday the XXXX to look into this which in my opinion is far to long. i can see this within hours. its right in front of our faces

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
About two weeks ago, I reached out to Synchrony regarding the number of calls that I've been receiving in one day regarding two credit card accounts that I, either had or have ( I recently had a card back by them for XXXX and now a card for Care Credit they are also backing ). I did explain that I know that I was late and don't need them to call me as much as they were to tell me this. I spoke with someone about stopping the numerous of calls I have been receiving, and stated to the rep that if this continues, then I'll file a complaint. The rep understand and placed my account on the Do Not Call listing they have in-house. This only worked for a week. Sunday ( XX/XX/2018 ), I received non-stop phone calls from them with the first one occurred at XXXX XXXX and continued on through the day until XXXX XXXX. On top of the harassing phone calls, they are attempting to call me from various of other phone numbers, such as XXXX XXXX, XXXX, numbers from Texas, and from Kansas. The number of times they are calling in a day is a definition of harassment.

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 2018-07-16 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: FL

Complaint narrative:
I have 4 fraudulent inquiries on my Equifax credit report that were not authorized by me and Equifax will not take them off? I have been fighting with them since XX/XX/XXXX and nothing has been done about it? At the end of XX/XX/XXXX, I had someone try to steal my identity and try to get credit in my name but they were unsuccessful because of a lack of information about me. I called the creditors and they couldn't pull nothing up in my name so they all sent paperwork to Equifax telling them to take it off my credit report because they have no proof of me applying for any credit.They told Equifax that the inquiries were fraudulent and should be taken of my credit report.I called Equifax and they said they didn't receive anything from the creditors ... not even one of them? I have letters from 2 of the creditors that I faxed over to Equifax and they said they can not remove them even though they told me to send them for proof? I have disputed these inquiries 3 times online and have written to the dispute and fraud departments about the issue.I need those 4 inquiries deleted from my report because its hurting my credit score and they were not mine to begin with.The following inquiries need to be removed ... 
1 ) 1XXXX XXXX XXXX XXXX XXXX XXXX 2 ) XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX 3 ) XX/XX/XXXX XXXX XXXX 4 )  XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Hi, I have the American Express credit card that I paid {$450.00} for a year. This is my first year. I'm supposed to get 2 points for every dollar spent on the XXXX website. I've had the worst time getting my points. 

My last point given was in XX/XX/XXXX, for the months of XX/XX/XXXX and XX/XX/XXXX. I've had to call them in XX/XX/XXXX and they retroactively gave me points of those months. I didn't get points for XX/XX/XXXX and XX/XX/XXXX ( which I think I was supposed to get something like over 9,000 ). I called in XX/XX/XXXX. Was told the same thing, that I got my points in XX/XX/XXXX, which I had to explain to them again that the XX/XX/XXXXone was given retroactively for XX/XX/XXXX and XX/XX/XXXX. The manager asked me to do a three way call with XXXX to make sure that XX/XX/XXXX and XX/XX/XXXX was never gotten. I did and he made a note of it that I was never given credit for that. A month later I got a letter saying that they closed the case. I do get points here and there, but it's little ones like when I go out to eat or something. 

I traveled in XX/XX/XXXX but didn't bother using the American express card. I did however used it again in XX/XX/XXXX and XX/XX/XXXX for my travels and once again have received nothing. I have called a good six times since XX/XX/XXXX. Had to explain over and over that I have not gotten my points from online usage on months beginning in XX/XX/XXXX. The last two times I called I was put on hold for over 45 minutes then the phone died. The time before that, I was told theres a wait time of over 2 hours and that a manager would call me back, and no one called back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I transferred {$90.00} to buy baseball tickets through my Chase Banking mobile app using XXXX. I used this form of payment because I believed it to be the safest way Since the payment would be linked directly into the other party 's bank account and has been promoted directly by Chase as a safe and easy way to send money. Of course they add " to people you know '' in order to protect themselves I see now. ( I thought, how could this be a scam if this transaction can be traced right to him, right? They have transaction records and know exactly who is accepting the money. ) He initiated the request. As soon as the money was transferred via XXXX he blocked my phone number and was unreachable via text or phone and I did not receive my emailed tickets. 

I contacted my bank which not only couldn't or wouldn't do anything about it, but didn't even have a phone number for XXXX! I'm in shock! Is it really this easy to get away with stealing people 's money this day and age with absolutely no recourse? 

Chase was able to tell me what bank the recipient 's account was ( XXXX XXXX XXXX ) at so I called them to inform them they have a scammer using their bank. There wasn't much they were willing to do either. I have the scammers name and phone number associated with his XXXX account so hopefully they do something about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-16 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: VA

Complaint narrative:
I was the victim of the Transunion lnquiry issue.

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 2018-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
5/3 Bank severely mismanaged my escrow account causing a deficient of {$3700.00}. They bought out my mortgage in XX/XX/XXXX. They mismanaged the property taxes for my property for XX/XX/XXXX. They said they thought my property taxes were {$330.00} when in turn they were paid the previous year as {$2400.00}. My prior mortgage company paid the appropriate taxes the year before but they said they had no idea what the correct amount was for. How could this be? I have had numerous mortgage companies buy out my mortgage for 15 years and have never had this issue before. They also did not even pay my mortgage insurance when it was due in XX/XX/XXXX. I had to pay it so it would not lapse. This company mismanages and does not treat its customers fairly!!!! DO NOT GET A MORTGAGE OR DEAL WITH THIS COMPANY!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MD

Complaint narrative:
I.C. Systems is reporting a medical collection that is not mine. We called them and they have no record of my name or address in there system, yet they are reporting to XXXX and XXXX the fact I owe this collection. The account number on my report is XXXX. This is preventing us from purchasing a home and we need to have them remove this item from our credit report. They have admitted they do not have us in the system, yet refuse to take ownership and have it removed.

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 2018-07-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC

Complaint narrative:
On XX/XX/XXXX, I reviewed my mortgage deed that was granted to me XX/XX/XXXX on property : XXXX XXXX XXXX, XXXX, PA XXXX. I noticed numerous unauthorized recordings that took place without my knowledge. What caught my attention was notarization by XXXX XXXX in XXXX, Texas with a " XXXX XXXX '' signing representing Rushmore Loan Management Services, XXXX   as Vice President in its attorney-in-fact & " XXXX XXXX '' signing ( on the same documents transfer ) representing as a " AVP '' of XXXX XXXX XXXX XXXX. After careful research, XXXX XXXX is VP at Rushmore Loan Mgt. Services, XXXX and affiliated with XXXX XXXX. XXXX. When I notified XXXX XXXX XXXX XXXX, the rep. did not recognize the name on file of a " XXXX XXXX '' as AVP representing XXXX XXXX XXXX XXXX. On XX/XX/XXXX, unknowingly and without notification to me, XXXX XXXX XXXX XXXX XXXX " Grantor '' transacted and recorded a mortgage assignment to " Grantee '' XXXX XXXX LEGAL Title Trust, XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, unknowingly and without notification to me, " Grantor '' XXXX XXXX   LEGAL Title Trust, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX recorded a mortgage assignment to " Grantee '' US ROF II Legal Title Trust XXXX, XXXX XXXX XXXX XXXX XXXX XXXX All the companies and assignees involved XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Rushmore Loan Mgt. Servces, LLO VP- XXXX XXXX , XXXX Legal Title Trust, XXXX XXXX XXXX , XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX under XXXX XXXX, all notaries : XXXX XXXX representing XXXX  as Assistant Secretary, XXXX XXXX located in CA., XXXX XXXX located Texas , and the unidentified robo-signer XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX as Its-Attorney-In-Fact. All above information is backed with verifiable documents that are current.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am currently going through the process of buying a home. For over a year, my credit was around XXXX, never low than XXXX. Around XXXX this year, it dropped down to XXXX. There has been no changes in my credit. I still have the same installment loans ( mortgages, cars ) and have not changed any of my credit cards or applied for anything new. I do not have any complaints that would have changed my score. 

I believe this is from discrimination against me and my wife. There is no reason why my score would have dropped by that significant amount during this time unless it was decided based off our age, race or ethnicity. 

I am filing complaints with each bureau for their unethical behaviors and will report this in any way I can to make the public aware.

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 2018-07-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After sending information to verify myself with my disputes on XX/XX/XXXX, Equifax has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. If I must, I will take legal action but I want to create a paper trail. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX   XXXX not mine INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX   XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXXXXXX XX/XX/XXXX unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My account was compromised and my debit card was also stolen. I did a dispute with my bank and they gave me the money back temporarily. 

Now they are threatening that they are going to take the money back on the XX/XX/XXXX of this month. They are claiming that " the activity was authorized '' but I never authorized any of this.This is not fair!

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 2018-07-16 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: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting two items on my XXXX credit report. {$100.00} and {$100.00} respectively. I made these two payments in full XX/XX/2018. As of today, XX/XX/2018, it remains " OPEN '' and " PLACED FOR COLLECTION ''. I had paid two other collection companies on the same day and those have been updated/removed from my credit report already. This delay is unacceptable. I can provide evidence of these two charges having been paid via credit card billing statement. The company is NOT taking any effort to provide resolution or escalation to correct the credit report. They continue to tell me " check next month '' and " kick the can down the road '' which is 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 2018-07-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: AL

Complaint narrative:
I was notify by the I.C. System of a debt that I do not owe with XXXX. The account that they are talking about is XXXX ( XXXX ) and they have it under account number XXXX and the reference number is XXXX. The problem is that order was cancel back on XX/XX/XXXX. I have call XXXX and spoke to a XXXX, XXXX and no one can seem to find it. I do not owe them anything because it was cancel. I live in an apartment complex and satellites are not allow and I have my lease to proved. So it was never set up and I never got any equipments. I do not owe anything and XXXX said they do not see anything concern this account nor my phone number. Could this be a scam. Usually it takes 90 days before a company would put thing in collection department. If this order date was made and cancel on XX/XX/XXXX and and I am getting a collection notice from I.C. System on XX/XX/XXXX and XXXX has it only collection department that I find out this morning. and they do not know anything about this. I concern this may be a scam and I do not owe anything because it was never setup and I have not sign anything and my landlord does not allow satellite at the apartment.

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 2018-07-16 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:
Hello, This complaint involves the three credit bureaus I sent 2 letters to all three credit bureaus about identity theft and foreign information on my account. I spoke to them on the phone, as well as, sent disputes along with police reports and correct information. The wrong information remains on my credit report and it I causing a negative effect in my life. 
Experian : There is foreign wrong address and an identity theft creditor on my account. I have an affidavit for this account. Also there are inquiries from my credit report that were not mad by me, they were from identity theft. 

XXXX : There is another wrong address which is foreign to me, along with the same creditor of XXXX XXXX which is identity theft. 
XXXX : The same creditor XXXX XXXX ( identity theft ; fraud ), and XXXX is on my report ; along with inquiries from XXXX, that were not made by me. 
The only response that I received was extending a credit freeze and they updated a personal statement on one of 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 non-monetary relief
Consumer complaint received 2018-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
We have a business account with Wells Fargo. Today after speaking to 4 representatives and spending 1hr and 30 minutes on phone, nothing has been resolved. We last spoke to a respresentative who put us on hold and never came back. The problem is when logging onto online banking on computer it asks for us to update phone and email address. When we click update it tells us to call an number for Wells Fargo. Well we told 4 different representatives this and kept getting transferred to someone else. Nothing has changed with our phone or email so nothing needs to be updated just this message needs to be cleared. This is UNACCEPTABLE to be treated this 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 non-monetary relief
Consumer complaint received 2018-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Over the past year, usually in bursts Midland Credit Company has called me four times a day from several numbers. Any attempt to actually answers these calls is met with complete silence, following with the caller hanging up after a few seconds. No messages are ever left, so I am unable to find what this is even for. I never received a mailed notification of collection either. 

Before I list the numbers and times of contact for the last few weeks, I would also like to point out that the only debts I have would be my student loans, which I am not required to make payments on as I am still a full-time student. I do not have any credit card debt, and my credit history would seem to corroborate this. 

XXXX XX/XX/2018 : Called 4 times between XXXX and XXXX XXXX XX/XX/2018 : Called 4 times between XXXX and XXXX XX/XX/2018 : Called 3 times between XXXX and XXXX XXXX XX/XX/2018 : Called 3 times between XXXX and XXXX XX/XX/2018 : Called 3 times between XXXX and XXXX XX/XX/2018 : Called 4 times between XXXX and XXXX XXXX XX/XX/2018 : Called at XXXX. This is the most recent, and I'm expecting to receive 2-3 more calls today, given the trend. 

To finish, I am on the do not call registry, and again, have not received ANY communication, written or verbal, on the nature of this collection attempt and these calls.

Company response to consumer: Closed with non-monetary relief