vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Data Furnisher hereby referenced as 'credit reporting agency CRA ' declines to comply with FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block upon receipt of filled police report confirming identity theft. CRA is in violation of the FCRA 616, 617 with monetary penalties in legal damages under administrative enforcement 621. 
616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Data reported to CRA was compiled using wrong social security number and wrong address. Furthermore, CRA previously deleted information from consumer 's file confirming the alleged 'true name identity theft ' on more than 10 occasions. CRA has records of past deleted information due to 'true name ' identity theft. 

Enclosure : 1 presents verification of debt provided by reporting agent XXXX to the consumer. Address reported does not match on consumer 's report. Other information such as SS # Employment and insurance is incorrect. Enclosure : 2 Legal action against debt collector CFPB complaint by the consumer. 

Remedy : Comply and block information on consumer 's report pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) within four business days.

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 2017-03-26 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Equifax has billed me for a year subscription at {$170.00} per year. I called on XX/XX/XXXX to tell them I only wanted this last month. I just checked my billing and the charge was still on there. They were suppose to refund me {$160.00} I spoke with them on XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
I have been seeking assistance with a mortgage modification due to the 60 % increase in my payment about 6 months ago. I began this process XX/XX/XXXX once I received notice of my increased mortgage payment. Keep in mind the payment increase has nothing to do with the taxes or insurance because I pay those separately. Unfortunately, my single point of contact has changed 5 times over this 7 month period and I am afraid neither of them can claim XXXX as their primary language. I have scheduled appointments with them every 7-14 days however their requests for supporting documentation change each time. To provide an example, on XX/XX/XXXX, I spoke to XXXX who advised me my file is with underwriting and they just need my signature on XXXX pages. He offered to email the PDF document to me where I can sign digitally and then they can proceed with the review. I received the email the following day, performed the digital signature and submitted it the same day I received it. My next appointment was scheduled for XX/XX/XXXX. Suddenly on XX/XX/XXXX I was called by a different " '' single point of contact '' who advised me to provide the 2 most recent paystubs, a profit and loss report from XX/XX/XXXX through XX/XX/XXXX, section XXXX of the hardship application, section XXXX, section XXXX and section XXXX. I asked her why each contact creates a request for new documentation and she said these items have expired. I advised her everything was complete just two weeks ago and now it feels like I am starting over. This has been the case for the past 7 months and I am at a point where I can no longer play this game. I get the impression they have no desire to assist and just perpetually ask for new documentation until the old documentation has expired and then start over with requests for the expired documentation until the borrower finally gives up. 
I realize that I am the ignorant consumer who signed up for this exotic interest-only ARM near the peak of predatory lending in XX/XX/XXXX but I am not asking for Ocwen 's investor to take a loss through a short sale. Ever since the 60 % payment increase I have been able to keep my mortgage paid on time although I typically exhaust the full grace period. I am anticipating a $ XXXX tax bill to the IRS this year and really need to resolve my mortgage problem in order to afford a payment plan with the IRS.

Company response to consumer: Closed
Consumer complaint received 2017-04-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XX/XX/2017, I went to Ashley Furniture in need of a new sofa. I was interested in purchasing the sofa using the 18 month same as cash line of credit that Ashley furniture offered through Synchrony bank. I applied for credit in the store via the credit application kiosk and was instantly approved for {$2500.00} line of credit. My sales representative XXXX let me know that in addition to whatever I was approved Ashley would authorize a 10 % increase which was {$250.00}. I purchased the furniture, arranged for delivery and enjoying the new sofa currently. 
On today XX/XX/2017, I registered my Ashley Furniture card that I received in the mail and did a check on my account details online. I noticed that my balance was {$2700.00} which was expected. It also showed that my credit limit was {$2500.00} and {$250.00} over the limit. I am absolutely disturbed seeing this. Going over the credit limit on a credit card is detrimental to the credit score and history. I immediately called Synchrony and they stated that I am over the limit by {$250.00}. There is nothing that they can do except request an increase for {$250.00} or me pay the {$250.00} to reduce the balance. I called Ashley Furniture and they said there was nothing that they can do as I have received my furniture. My credit report and score means my lively hood. I make sure that I make payments on time and cause nothing to negatively affect my credit. I agreed to the sale however, I did not give any authorization for the store to charge my line of credit over the limit. I signed for the total sale amount. They used this as a predatory sales tactic to get consumers to buy. I was told that they would increase my credit limit by 10 % as almost like in-house financing. I was not told that it would be reported as over the limit to the credit bureau. 
This is predatory lending to get sales and I would have never authorized someone to charge more than what my limit allowed. Please Help!

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 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There is a late payment on my Experian credit report. It was removed and now has been reinserted 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 2017-04-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I had a loan with Santander Consumer USA and sent them a letter to have the repossession removed from my report. They have placed on the account for XXXX that there is collection with {$0.00} and that its a bad debt and also have re-aged the account with new date of XXXX. I have n't had the vehicle or loan with them since XXXX. They have violated my rights and are also in violation of FCRA Section 605 ( c ) for consumer protection afforded by the FCRA. They reported the last activity instead of the date of the delinquency. I would like this to be removed from my credit report. It has caused undue stress and has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: FL

Complaint narrative:
My oldest son started school in 2012. At that time, we took out our first Direct Plus loan, and were assigned to Nelnet to service our loan. Since that time, I have been making monthly payments in an attempt to stay on top of my loans ( we took out a new loan every year, to help my son pay for college ). I recently discovered that Nelnet breaks up my payments each month in a way so that they only ever pay interest. Unless I specifically log in and make a manual payment every month, they will continue to do this. Even when I have logged in and made a specific payment towards a specific loan, they still apply all of the payment to the loan 's interest. The only times they have ever applied any payment to principal is when the payment was made within 120 days of the original disbursement of the loan ( which they have to do by law ). Even when payments were made within 120 days of a loan 's second disbursement, they applied it to interest instead of the loan citing that it was more than 120 days from the loan 's original disbursement date. So, even though I 've been paying on these loans for 5 years at this point, I 've hardly paid any principal off at all, as they break up every payment in such a way that it never touches the principal on any loan. I have XXXX children, and I 'd like for them all to be able to go to college, but how am I ever to get out of debt if they never apply any part of any payment I make to the principal of the loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Mobiloans, LLC
State: FL

Complaint narrative:
Mobiloan should not be allowed to conduct business in the United States. This company is a Predatory Payday Loan business where the consumer is charged over 150 % on a loan. For example, one borrows {$1500.00} and is charged an upfront fee of {$150.00} to do so and given XXXX weeks to pay in full prior to incurring an astronomical " fixed '' daily finance charges. Even though the company 's representatives ( XXXX, ext. XXXX, among others ) state that it 's a daily fixed rate they never give direct amounts. I have heard about predatory lenders like Mobiloans and tried it for myself and can not believe that the Consumer Financial Protection Bureau lets them get away with " ripping off '' consumers who need short term financial assistance. This is disgraceful and I hope that CFPB is not just a Government Agency to ignore this predatory behavior and will get to the bottom of this on behalf of consumers having financial difficulties and do not take the time to read the fine print. Mobiloans can make a profit but not over 150 % to the consumer. Mobiloans , LLC with a physical address of XXXX, LA XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: NorthStar Settlement Services, LLC
State: NY

Complaint narrative:
NorthStar, called me twice asking for my sister. I dont know where she is, I have talked to her in years. I told the company twice that they need to stop calling my phone number. I even asked how they got my number and the man hung up on me. What kinda business these people are running? Is this even legal?

Company response to consumer: Untimely response
Consumer complaint received 2016-11-05 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Peak Acceptance, LLC.
State: TX

Complaint narrative:
I voluntarily turned in a vehicle in 2013. After the sale of the vehicle the balance owed was XXXX. The finance company continued to charge interest fees and they are showing the XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-01-26 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Credit Collections U.S.A., L.L.C.
State: FL

Complaint narrative:
I disputed information with the company in XX/XX/XXXX due to services rendered I did not agree to have performed. This has been in dispute for awhile and has not negatively affected my credit in a long time and I have good credit. I was attempting to clear this up on XX/XX/XXXX when a lady answered. I asked them about sttling and they said no in a very angrily voice. They asked me for my current address which I did not feel comfortable giving out. They told me very rudely, you will never be able to get a loan or fix your credit with this on there and then they hung up on me. I was going to pay regardless, but the lady would n't even give me the time to do that. I called back and spoke to someone else who was nicer and she said the same things to me about this is going to negatively affect me and ill never be able to get a loan. They also said they tried sending me letters which I never received. I had my mail forwarded to my new address and did not receive anything. They never tried calling me either and I have the same number I 've had for years. They tried telling me about Florida law and mailing medical bills to which I continued to ask if I can just pay the bill already so I did n't have to be berated anymore. I paid the bill total of XXXX. I would like to make sure I receive something in writing stating my debt has been paid in full and the dispute status has been removed. I did not give them my address at the time due to all of this and they told me they could n't email me either. After all of this I started to second guess why I paid this as i felt my credit was threatened and things would not go the way they said.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Recovery Services Inc.
State: TN

Complaint narrative:
I went to the XXXX. I spent 15 mins with him in his office. He was in network and the insurance company paid him {$750.00} and I paid my copay and out of pocket of {$95.00}. He is trying to collect {$1200.00} forfor almost doing nothing. He labeled the procedure pre operation which is false. They want me to pay the difference in what the insurance did not pay plus my copay. I refuse to because I was in network. They think they can charge whatever they want and collect it. Almost {$900.00} for 15 mins of work is plenty enough without trying to get more out of me just because they think they can.

Company response to consumer: Untimely response
Consumer complaint received 2016-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nationwide Debt Management Solutions, LLC
State: TX

Complaint narrative:
A caller from debt management solutions called and left a voicemal for me at my place of work. I called back and they said they were looking for a person -- NOT me and not even my name. They told me the birthdate of the person they were looking for and it was NOT my birthdate. The phone number they called from was XXXX. A woman named XXXX was extremely rude and aggressive and told me that I was lying. I am DEFINITELY NOT the person they are looking for. I have no debt at all. I need for them to stop calling me. Although it was only once, they harassed me at my place of work with this embarrassing phone call that WAS N'T EVEN FOR ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Ongoing Dispute with Ditech Financial LLC Of note, original loan was with XXXX, then XXXX, then Ditech bought loan in XXXX/XXXX/XXXX. Property taxes and insurance were NEVER part of escrow or to be impounded with loan ; and have always been paid direct by me. 
XX/XX/XXXX Ditech sent notice stating escrow is short/delinquent. My several calls and inquiries and letters, provide no explanation or satisfaction, let alone resolution of why shortage and where do they come up with this. The last communication from Ditech says " they were notified of delinquent property taxes '', thus the shortage on my escrow is {$2400.00} and future projected impound of {$1100.00} is due. But I have paid all my property taxes and I sent another letter certified and it included my cancelled checks for property taxes, including the XX/XX/XXXX installment pymt and those for all of XXXX. It also included XXXX receipt of payment information and my property tax statements and also asked they check the XXXX website and enter my parcel number where they can obtain the same info. 
As of now I have no resolution, their last communication continues to reflect a shortage of {$2400.00} for XXXX and projected impound for future property tax impound of {$1100.00}. My next mortgage pymt is due XX/XX/XXXX and I do n't want to pay the increase monthly adjustment of even {$42.00} when I do n't owe it but worry about my credit score. Do Note I will continue to fight this but very concerned that Ditech is not just negligent and incompetent, but that they are fraudulent and attempting this scam on others. Do I need to get a lawyer to fight this?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: NPS GROUP
State: OH

Complaint narrative:
Continued to call even though I asked several times that they stop phone communication with me and mail the information to me. The person on the phone said they do n't mail information. 

Then they told me I could be taken to court, but when they found out I am on XXXX they said civil action would be taken. 

I have XXXX with XXXX and each time they call they exasperated my XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting my an overall debt increased that resulted on my XXXX score decreasing by over XXXX points. This information is incorrect! I 've been reducing my debt significantly monthly. On personal loans and car loans alone, my debt decreases over XXXX dollars monthly. Yet because I made use of XXXX credit cards last month by an amount much lower than what I paid to several accounts lowering my debt, this company decreased my FICO score. I believe this practice is deceptive. If I understand correctly the XXXX score is calculated from 5 factors. I was unable to submit a dispute on line.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received an offer for refinance from Chase Mortgage in late XX/XX/2016 and on XX/XX/2016 Chase sent over a representative to execute a closing on their behalf. My wife and I signed all the documents and we thought we had just saved some money on interest and finally out of our modification loan. However, last Friday I received a package from Chase informing me that they would give me the opportunity to catch up on my loan? I called their customer service department and explained my situation and no one seemed to have a clue what was going on. After 3 hours on the phone with them, one of the service reps was able to figure out that my new loan was never processed and that i was still on my original loan with no changes made??? This is why i was late because one of their specialists told me to not pay my XX/XX/XXXX payment as i would not have a payment due until XX/XX/XXXX. I then reached out to the Title company and was told by XXXX ( XXXX ) that the problem stemmed from the appearance that i had two secondary liens when in fact i only had one but this stopped the process. Problem was no one at Chase nor the Title company informed me about anything and now I have incurred late fees and surely negative hits to my credit because of this not to mention the thousands lost by not being able to secure my new loan. I have been trying to reach the Mortgage Broker ( XXXX XXXX @ XXXX ) for several weeks and Chase keeps ignoring me. for what reason i do not know? I would appreciate some kind of restitution at minimum for my late fees and credit damage and to be honest the treatment from Chase is less than fair or caring considering i 've been paying them for more than 20 years. I think it 's embarrassing that a bank leave it 's customers high and dry no contact with such a serious mistake they have made by not letting me know the circumstances. It is extremely embarrassing for me and my wife to have to call in and pay back payments i should not owe and made felt like a nobody for non payment. This is ridiculous! what happened to Fiduciary duties the bank is supposed to have? I do n't even know what to do as the Bank I trusted wo n't even call me back?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC
State: NC

Complaint narrative:
I received a letter saying I had approx. {$900.00} overage in our escrow account. When I called AmeriHome, they said we were in the red with our escrow. At the end of the year each year, we are approx. {$1000.00} overage in our escrow but do n't get a refund. They asked if I wanted a refund or use that money to apply to next year 's escrow. I asked for a refund but now I 'm being told we are short the same exact we were supposedly over.

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