vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I would like to get the PMI removed from my mortgage payment. I called their 800 number and was told they can't do that over the phone and I would have to send a letter. I sent a letter to the address she gave me about a month ago ( 27 days ) and have heard nothing. Now, I was looking around my portal on their website and found my Escrow Summary with a phone number. However, the number doesn't have an area code ; there is no way to call them. It's like they don't want me to remove the PMI so they continue to make extra money. 
I have not ever missed a payment or made on late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: VA

Complaint narrative:
On or about the second week of XX/XX/XXXX, I was contacted by Phoenix Financial Services, LLC ( PFSL ) concerning an alleged medical debt, in the amount of {$110.00}, that they said was incurred sometime in XXXX in XXXX XXXX Nevada. 

I don't owe this debt, was never informed of this debt, I don't live in XXXX XXXX Nevada and was never sent any debt collection information until now. When PFSL contacted me by phone at my work they did not know my current address or even knew if I was the correct person who owed this debt. 

I asked them for the following information ; 1 ) Validation of this debt by a ) send the original notice and documentation of the debt, b ) who the original creditor was, c ) actual copy of the documentation for the bill that they said was incurred showing the amount and breakdown of the services provided, 2 ) when such debt was reported on my credit report ; a ) when this was reported, b ) if my social security number was compromised by PFSL or shared with other creditors or debt collectors, c ) any correspondence or documentation with any communications from me prior to this initial contact by PFSL. 

They refused to send my " any '' validation information other than a bill that looks like a " check, '' which appears to be deceitful and deceptive. This appears to have been sold several times from other debt collectors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America has placed a Delinquency and charge off on my credit file. This is INCORRECT. The correct file entry should be " late payment ''. No balance, on the account is inconsistent with something being " charged off ''. The difference is a cascade effect it has had on my credit score and potential 7 years of visibility on my file vs 6 months for a late payment. 

The beginning of the cascade issue is XXXX reducing my credit from {$12000.00} to {$1500.00}. Once again NEVER LATE - NO BALANCE. 

Since ALL credit card companies use this file, the accuracy of the information is directly correlated to my score. 

This is unacceptable since NO HARM was done to BofA, and this action will cost me thousands for YEARS.

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 2020-06-29 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: GA

Complaint narrative:
XXXX  XXXX XXXX has placed a Delinquency and charge off on my credit file. This is INCORRECT. The correct file entry should be " late payment ''. No balance, on the account is inconsistent with something being " charged off ''. The difference is a cascade effect it has had on my XXXX XXXX and potential 7 years of visibility on my file vs 6 months for a late payment. 

The beginning of the cascade issue is XXXX reducing my credit from {$12000.00} to {$1500.00}. Once again NEVER LATE - NO BALANCE. 

Since ALL credit card companies use this file, the accuracy of the information is directly correlated to my score. 

This is unacceptable since NO HARM was done to XXXX, and this action will cost me thousands for YEARS.

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 2020-06-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
At the end of last year, I transferred money out of my savings account at Suntrust ( now Truist ). I was not sure if this would place me under " minimum amount needed '' to stave off fees, so I kept looking at the online account dashboard as well as statements to see if any monthly fees were being taken out due to balance reduction. None were being taken out per what was shown online and per what was on the statements. 

Cut to XX/XX/XXXX, and all of a sudden, the dashboard online is showing that {$7.00} had been removed from my account since XX/XX/XXXX, then again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( 4 fees taken out altogether, {$28.00} in total ) If you review the statements for XXXX or XXXX or XXXX or XXXX, you do not see any notation of monthly fees being taken out. And it was not transparent that these were even being removed until XXXX of this year on the online banking dashboard. 

It's a very clear cut case of lack of transparency and potential deception. These fees were being removed for months before I had any idea that it was happening. Neither the online banking dashboard nor the monthly statements showed this was happening. 

When I raised the issue to the bank, they refunded 2 of them, but 2 still remain ( a total of {$14.00} ). I can't imagine how many other people this may have happened to - and how many people would not have noticed or been aware that this could've been happening on their savings account for months and months.

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 2020-06-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Fund, LLC
State: OH

Complaint narrative:
Midwest Recovery LLC. has placed a debt on my credit report with no notification or verification to me personally for a cash store loan in the amount of {$550.00} on or around XX/XX/2020. 

I sent them a validation of the account letter via certified USPS mail requesting validation of this item with NO RESPONSE of any kind. Under the fair debt collection act when an item is disputed and while under dispute it needs to be removed from a personal credit report. 

I have attached a copy of the letter sent to Midwest Recovery LLC and also a copy of the signed return receipt that they did in fact receive my letter.

Company response to consumer: Untimely response
Consumer complaint received 2020-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
Loan depot charge me appraisal fee wit out my consent and told me we will refinance by XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-29 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX the Wayfair site had an invitation for a Wayfair Comenity Bank credit card WITH AN ASSURANCE THAT IT WOULD NOT NEGATIVELY AFFECT THE CREDIT RATING AND THAT THERE WAS NO HARD INQUIRY. I was APPROVED FOR THE CREDIT CARD AND WAS THEN ASKED TO CLICK THE BOX FOR THE CARD. 
The predatory invitation concealed the fact that Comenity Bank then proceeded with a hard inquiry which remains on my credit report today. Comenity Bank is responsible for the inquiry and gives a defensive canned response that the consumer agreed to the inquiry which is not the case. Comenity Bank works with Wayfair and thus solicits consumer credit card applications conceal the fact that a hard inquiry will be done after the faux approval for the card and faux guarantee that there will be no hard inquiry. This is predatory practice and should be stopped. In the interim Comenity Bank needs to remove the unauthorized hard inquiry on my credit report that will stay on the report until XXXX and does affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: CORELOGIC INC
State: MO

Complaint narrative:
I received a credit score disclosure from Corelogic Credco The information on the disclosure that they claim to have received from the three credit reporting agencies is incorrect. XXXX  XXXX XXXX XXXX   show erroneous information. I have included in this correspondence a copy of credit report from XXXX  that I obtain today.As you can see by the correspondence that I have included I have paid my bills on time every month without failure.And the credit score that this company shows is quite different than what XXXX  has on their report. XXXX XXXX and XXXX show no late or delinquent accounts or collectionAccounts which those companies shows on the reported information that was received from Credco. The information is incorrect on all three and I want the false information removed and corrected please see the supporting documentation uploaded

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 2020-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
The credit bureau reinserted a invalidated debt without a reinsertion notice back onto my Credit Report. 
The collection agency Receivable Performance never responded to my 609 letters I mailed out on XX/XX/2020 and they failed to send me out a debt validation letter also.

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 2020-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
This year, PENNYMAC LOAN SERVICES , LLC made the changes, I pro-actively requested, however, on my XXXX, XXXX mortgage bill and online payment system, they AGAIN revert back to the original old, faulty increased amount which was concurred by PENNYMAC LOAN SERVICES , LLC that they will adjust and reduce. 
It is extremely time consuming and painstaking to keep track, reach their representative on phone and request these changes repeatedly. 
every year, i call and get the ecrow analysis revised because of errors such as added reserve to escrow etc. I am monitoring, tracking and reporting since XXXX. 
since last year PENNYMAC LOAN SERVICES , LLC moved the escrow analysis date and forced me to pay additional amount in their every year increase in the month of XXXX and onwards. 
i have to be pro-active to make sure 1. i request escrow analysis 2. PENNYMAC LOAN SERVICES , LLC do not send hard copy of escrow analysis even after i repeatedly requested. 
3. i have to find errors and request every year to revise the escrow analysis

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meridian Financial Services, Inc.
State: FL

Complaint narrative:
I received a collection letter from Meridian Financial Services of XXXX, NC on XX/XX/2020 claiming I owe XXXX XXXX {$1300.00} for annual maintenance fees. The current balance due stated includes an additional {$450.00}. 

I responded with a certified mail letter on XX/XX/2020 stating my notice of dispute and request for debt validation where I listed items I required for further consideration. During this time, Meridian continued phoning me to collect the disputed debt. They replied by forwarding a copy of a deed and an unverified statement of my account. Neither document addressed the validity of the debt nor their authority to collect. 

I sent a second request for validation of the debt certified mail on XX/XX/2020. They responded by forwarding the same 2 documents. they fail to provide me with minimal proof that they are authorized to collect or add unitemized charges to the original balance. To date, their calls and letters continue.

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 2020-06-29 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
An original letter dated XX/XX/2019 requesting the inaccurate entry being reported under, I have recently been informed that there is negative information reported by XXXX XXXX - XXXX Court New Jersey Docket # XXXX in the file you maintain under my social Security number. Upon reviewing a copy of my credit report, I see an entry : Barclays Bank Delaware. # XXXX {$500.00} XXXX XXXX XXXX # XXXX. {$380.00} XXXX XXXX  XXXX credit # XXXX {$1200.00} XXXX # XXXX Please feel free if you should need any additional information. I can be reach via e-mail : XXXX or mail XXXX XXXX XXXX XXXX, NJ. XXXX. 

Sincerely, 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 2020-06-29 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: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
An original letter dated XX/XX/2019 requesting the inaccurate entry being reported under, I have recently been informed that there is negative information reported by Public Records - USBK Court New Jersey Docket # XXXX in the file you maintain under my social Security number. Upon reviewing a copy of my credit report, I see an entry : XXXX XXXX  XXXX. # XXXX {$500.00} Caine & Werner # XXXX. {$380.00} XXXX XXXX  XXXX XXXX  # XXXX {$1200.00} XXXX # XXXX Please feel free if you should need any additional information. I can be reach via e-mail : XXXX or mail XXXX XXXX XXXX XXXX, NJ. XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I received a credit score disclosure from XXXX XXXX The information on the disclosure that they claim to have received from the three credit reporting agencies is incorrect. Equifax XXXX XXXX XXXX   show erroneous information. I have included in this correspondence a copy of credit report from XXXX   that I obtain today.As you can see by the correspondence that I have included I have paid my bills on time every month without failure.And the credit score that this company shows is quite different than what XXXX  has on their report. XXXX XXXX and Equifax show no late or delinquent accounts or collectionAccounts which those companies shows on the reported information that was received from XXXX. The information is incorrect on all three and I want the false information removed and corrected please see the supporting documentation uploaded

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: MI

Complaint narrative:
The company includes XXXX  and CREDIT MANAGEMENT, I was living in XXXX XXXX XXXX mi with XXXX  services. I called many times to complain about internet not working on area after a few months I canceled my internet due to lack of connectivity the XXXX  representative wouldnt even work with me but was extremely rude and she said theres nothing that I can do its just going to go to collections I said why would I pay for service that I can not use? she said that is not my problem. I mailed back XXXX  and didnt get any notice after that of me owing. Until it was in my credit report. Also if you look at the months from the time I started service and the first collections date is inaccurate how would I go into collections the month after I had service turned on? As for credit management the amount of phone calls and the way they speak to people is wrong you can not shame me into paying for something I do not owe

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29 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: FL

Complaint narrative:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I received a phone call from someone claiming to be with Ocwen XXXX  and was going to help me with a government modification loan. I was then asked to go to a wire XXXX and get money on a card and give them the information from the card on Friday XX/XX/2020. I was very skeptical, but they assured me it was legitimate with a ID # XXXX for Mr. XXXX. I loaded {$200.00} on a card and gave them the number from the card. I didn't have {$200.00} extra dollars, but was looking for a way to catch up my payments and have them lowered. I have since done some research and discovered I've been scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WV

Complaint narrative:
On XX/XX/XXXX I received an IBR approval letter from Navient for my two FFELP loans taking my payment to {$0.00}. The letter illustrates the plan start date as XX/XX/XXXX and the end date as XX/XX/XXXX. 
All of a sudden, when logging into Navient a few weeks ago, it showed now my payment went from XXXX to {$310.00}, with no notification at all from Navient - I just happened to accidentally stumble across it. 
I have called Navient three times and have spoken to three different Customer Service reps, each giving me a different answer. 
I've been told to do nothing - that it was pushed thru again and that it would clear off in 24-48 hours to  one telling me that they weren't going to honor the contract and that I'd have to re-apply. It took me weeks to apply last time so they are just trying to make it impossible for me, knowing the process would exceed the now new due date that they slid in. I am not going to re-apply as I'm already approved and have it in writing. 
I will attach the letter I kept illustrating this approval on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: FC HoldCo LLC
State: IL

Complaint narrative:
Credit bureau has in correct information on account. I am requesting how who and where they got the information from.

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 2020-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stenger & Stenger, P.C
State: OH

Complaint narrative:
this was from a complaint filed on on XXXX and the companies response : STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response We acknowledge receipt of this complaint. We have reviewed the file and the account was placed with our office as part of a prelegal portfolio. This means that the account meets the criteria or our client to review the file to send it to a law firm once it has been recalled from us unresolved. We have not made any misrepresentation and there has been no bona fide threat of legal action by our company. The account in question was identified on our system as an account originating with XXXX XXXX XXXX  on XX/XX/XXXX. The account was subsequently purchased by XXXX XXXX XXXX. We have forwarded a copy of this complaint to our client and we have requested validation of the debt from them. Once we receive the validation from them that is required we will provide it to you. Thank You.

Company response to consumer: Closed with explanation