vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: NC

Complaint narrative:
In late XXXX, XXXX purchased PHH Mortgage, and I received a notification that PHH would be taking over the processing of my mortgage payments. I was advised that no action was required on my part and that electronic payments and processing would continue as normal. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX that my mortgage was 2 months past due. I confirmed with my bank that there was disruption in the automatic withdrawals from my bank account. The most recent bi-monthly payments of {$660.00} and {$660.00} were withdrawn from my bank account on XX/XX/XXXX and XX/XX/XXXX, respectively. Another payment is scheduled for processing on XX/XX/XXXX. Again, I was told that I didn t have to do anything when PHH took over my mortgage from XXXX. I logged in to my account on the new site and I did not see anything describing my mortgage payments as past due. 

I contacted the company by emailing them through their website and received a very weak response. 

Here is the response in full : Dear Mr. XXXX, Thank you for using our email service. 

I understand your concern. Our records indicate that you are set up on bi-weekly payments and the account is current and due for XX/XX/XXXX. The loan was still in the transitioning period. The letter was dated XX/XX/XXXX. The XX/XX/XXXX payment was received and posted on XX/XX/XXXX. The XX/XX/XXXX payment was received and posted on XX/XX/XXXX. Please be advised we are unable to assess any late fees or negative credit reporting until XX/XX/XXXX so your loan is in good standing and everything is up to date. 

If you have any further questions or concerns, please let us know. 


This demonstrates PHH 's inability to accurately serve its customers, which is a similar problem I had with XXXX. In fact, XXXX adjusted the principal balance on my mortgage as part of a class action settlement in XX/XX/XXXX. Unbelievably, they weren't able to handle that adjustment correctly either, as negative adjustments ( i.e. increases ) to  my principal came on to my account status. I was told these were " errors '' ; I submitted a compliant to the CFPB for this matter previously. I reviewed XXXX 's response and, while I am not certain, I think eventually my principal adjustment was fixed. 

XXXX, and now it's subsidiary PHH, have consistently demonstrated a lack of competence when dealing with its customers. They can not even handle the most basic of situations. I have been paying electronically since my mortgage started in XX/XX/XXXX. I have never missed a payment, never switched banks, or anything like that. Yet, first with XXXX and now with PHH, the companies have demonstrated that they do not deserve the public trust and should be sanctioned and financially punished by the CFPB to motivate them to get their acts together.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX conducted a hard pull on my Equifax credit report without my permission or authorization. I contacted them a month ago through a page on their website demanding that they correct the error but the hard pull is still reflected on my account. I have never done business with XXXX, am not interested in their services, and do not want them accessing my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am very disappointed with the companies XXXX and Transunion. I reported Identity theft on the accounts that are reporting, per Section 605B in the FCRA I submitted supporting documentation such as a driver license, social, and the FTC report with the report number, XXXX removed the information within 24 hours from showing on my report, and XXXX  and Transunion refuse to remove the information, and submitted it as a regular dispute, when I stated that it is a identity theft issue, and pursuant to section 605B they must remove this information within 4 business days upon receiving the identitification, and the FTC report. They refuse to follow that rule, they stated they do not follow federal law and regulations, and the follow their own companies regulations, in which regular disputes take 30 days. Its been well over 30 days, they removed the information from reporting, and then it appeared again on my report. Please handle this in a manner that XXXX AND TRANSUNION understand that they MUST follow FEDERAL regulations and not their own. Because it was very hard for me to make them understand that above their companys regulations, they must follow FEDERAL laws first. Please help me in reporting XXXX and transunion to relook through their companies regulations, and follow federal regulations so people like me who suffer from identity theft, do not have to worry about incorrect information reporting on their credit file.

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 2019-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD

Complaint narrative:
It has been over 75 days since I have applied for a construction loan with First National Bank. After providing all of the required documents, I received a preliminary approval for my construction loan. After getting pre-approved, I provided my construction drawings and after receiving an appraisal - I was given the green light to move forward since the appraisal came significantly higher than the total loan amount. In every communication with my loan officer, I and my husband either met or exceeded the criteria for Loan-To-Value, appraisal value, credit scores and assets. Due to a change in staffing, I was required to explain large financial transfers in my banking account in the form of a letter. In this letter I explained my surrogacy costs and personal future plans to explain my current financial situation. After revealing this information I was denied for a " layered risk '' and then told that the denial shouldn't have gone out to me. Like many families, I am including my parents as an co-signer because they have plans to move in with me. I have included an elevator in my home for that reason and like many XXXX families - the plan is to all live together in our home. As of the date of the submission, my loan still has not been adjudicated and I continue to incur costs because of the construction delays. I am concerned that the reason for the delay is discrimination based on sexual orientation and ethnicity since the underwriters have not been able to articulate to my loan officer why the loan isn't being pushed forward. I have been told time and time again that I meet all the criteria for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Our mortgage was bought by a different lender SPS Loan Servicing, we were behind due to loss of income, and the lender asked that we start making payments XX/XX/2017, yet have reported to the credit bureaus since XX/XX/2017. We had already been having problems with paying our mortgage, and they suggested filing for a modification. That was done 3 different times because of paperwork issues, each coming back with no qualification, and never being able to work with one or two different people, each phone call was with a different person, and we only made one payment to them since they took over the loan, in which they sent back. We knew we were headed for foreclosure, and made a last ditch effort to Keep Your Home California, and we were approved for {$14000.00} and we would have to first pay approximately {$1600.00}, and combined would have brought us current. However, the lender would not accept 2 different payments, spoke with at least 8 different people, all saying the same thing. So Keep Your Home California, told us they could not send their payment until the lender accepted our payment, and then the program closed. Now we are being foreclosed on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP
State: TX

Complaint narrative:
Calling and try to talk to my relatives although i said i have no longer get in touch with them. Called my business phone number and my wife. I know they are debt collector although they have not state who they are. I asked them, do you know who am i, they said no, without knowing who you calling, and to my business, it's harassment. By law, Harassment is governed by state laws, is generally defined as a course of conduct which annoys, threatens, intimidates, alarms, or puts a person in fear of their safety.

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 2019-03-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: DE

Complaint narrative:
on XX/XX/XXXX, I applied for a loan with Cash Net. The loan was in the amount of {$2600.00}. After being approved. I gave my bank information to have the money taken out. I received a contract stating Cash Net would take out {$200.00}. I was under the impression it was a month, then the contract stated every 2 weeks. I was mislead!! I took out the loan because of having to have XXXX  XXXX on XXXX XXXX for XXXX. If I did not have the XXXX, I would have lost my XXXX. The facility I had the XXXX did not tell me they did not accept payments until a week before the XXXX. I needed {$2500.00} on the day of XXXX. I have been paying this loan because of fear to mess up and have legal fees. I can no longer pay this loan. I am now on social security, and had been paying since XX/XX/XXXX the amount of {$200.00}. I sometimes would defer my loan until the next week because of not being able to pay my rent. When I read the contract, it stated by the end of my loan on XX/XX/XXXX, I would have pd. Cash Net {$8000.00} ... .I do not have this kind of money. This is highway robbery!! I already paid Cash Net {$2400.00} to date, and on XX/XX/XXXX Cash Net is taking out double payment of {$410.00} out of my bank account. I am the sole provider. I have no one. I've already made 12 payments, and can no longer do this!! Cash Net is charging 185.11 %. Taking advantage of someone in desperate need of a loan. I realize Cash Net must charge interest, but 185.11 % is crazy!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2019, I was trying to deposit my traveler 's checks at the Capital One bank branch at XXXX XXXX XXXX, XXXX, NY XXXX, as I was following the Capital One Bank 's online instruction and the instruction from the Capital One 's phone agent. First, I was trying to deposit the checks at the ATM. However, I encountered error with the ATM. I then went to the banker to deposit. The banker had not seen a traveler 's check before and did not know the existence of the traveler check. Then, she consulted with her manager which I felt appreciated. However, her manger 's attitude was that she had never seen this kind of product based on her 3 years financial experience, she refused me to deposit the checks. I told her that it was a chance to learn something new as she was working in the financial business. She was too arrogant to learn and to check with her support desk nor checking the information online. Despite the previous banker shower her the information on the computer when we were talking, she still refused to deposit the checks. Do not know a financial product as a bank manager is one thing but lacking the knowledge and not willing to learn is another. I would strongly encourage Capital One Bank to retrain its employees at this branch properly before they driver more customers away. After all, it's a highly competitive business and there are so many banks to choose from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: Grant & Weber
State: CA

Complaint narrative:
I contacted Grant & Weber collection agency to inquiry about this XXXX XXXX XXXX XXXX item on my report. They said it was a bill sent from XXXX XXXX XXXX. I then contacted XXXX XXXX XXXX XXXX department and inquired about this Acct. After a couple of day 's of investigation, they reported back to me, that there was no proof of identity that it was me at the hospital to have a sist removed from my neck. ( See attached Document from XXXX XXXXXXXX XXXX ) I have never had any procedure to my neck. After II received the letter from XXXX XXXX XXXX, I sent it to all three credit bureaus and XXXX  and XXXX XXXX removed it immediately, but XXXX left it on. I have disputed this three time with XXXX  since, and XXXX continues to let Grant & Weber collections dictate the outcome despite the letter from XXXX XXXX XXXX. Can you please help me to remove this item off XXXX Credit Report? 


Thank you for your consideration,

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 2019-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: NC

Complaint narrative:
Dear Sir/Madam, I would like to bring to your attention the following ; I have a mortgage loan which was acquired by the Statebridge Company from XXXX XXXX a few years ago. While with XXXX XXXX I have incurred some late fees. These fees were transferred in this acquisition to the Statebridge Company, but not incurred while with the Statebridge Company. I have NEVER incurred late fees while with the Statebridge Company. Recently, I have noticed in my billing statements, a notice stating that my mortgage payments will not be applied to my principle amount until those late fees are paid up to date. I never agreed nor signed anything giving the Statebridge Company permission to do this. I find this unacceptable since monies not being applied to my principle causes the Statebridge Company to gain more interest, since interest is compounded on its principle amount daily. I have had to write several complaints about the Statebridge Company so, I did a search and saw several others had similar complaints with Statebridge in the past. While I understand that the Statebridge Company would like to collect those fees at its earliest, I dont understand how they feel they can rewrite or churn my loan agreement at their convenience. Therefore, I will be sending out several letters to several entities as to this practice from the Statebridge Company. Please look into this and let me know of your findings. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY CREDIT SYSTEMS INC
State: CT

Complaint narrative:
They call me on my work phone number. I have asked them to stop calling me on my work number and they keep doing it, which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have no bidding contract with Midland XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX MIDLAND FUNDING XXXX Amount {$980.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I sent four ( 4 ) certified mail notifications and two ( 2 ) emails notifying them the debt was not mine and was a result of identify theft. I sent in a sworn affidavit. I sent in the FTC Identity Theft affidavit. Despite all this, I continue to be harassed with calls stating the debt in mine ( despite the above documents AND the fact I lived in New York at the time ).

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 2019-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
on XX/XX/19, I received a call from a local number stating he was a County Court Clerk server and that I was going to be served. He said it was from XXXX XXXX XXXX on behalf of Ace Cash Express case # XXXX and that I could call them regarding the matter. I called XXXX and spoke to XXXX in the legal dept. He said that I had 2 hours to make a payment of XXXX or I would be served.Said I was mailed information, which I did not receive. I told him I did not get anything. I asked for an extension he said 3 hours. In a panic, I called my family members for help.Called back and spoke to XXXX and asked if I could pay XXXX and make arrangements for the rest. he checked with attny and they agreed. My boyfriend called made pmnt of XXXX conf # XXXX. And XXXX paid by credit crd from My mom. Conf # XXXX. XXXX made me give my bank card # to pay two addl pmnts of XXXX over 2 mos. I called back today and asked for an email confirmation, and asked the names of the attny and license # 's. I know this is not a legal tactic to obtain payment. He was very convincing and I got scared into providing payment and giving him my bank card info. He said I should have received an email and that I will get one today. I called him again to get more information and I kept getting passed around and placed on hold. He said that this was in fact in the legal department but still refuses to give me attorney names. At this point, they have not only my bank card information for future payments, but my boyfriend 's and my Mother 's  credit card information. I called the original debtor Ace Cash Express and the representative confirmed the sale of the loan to XXXX XXXX XXXX and gave me their address. She said that they would not ask XXXX to file a lawsuit on their behalf and that I should contact XXXX to discuss. I believe that they are using unfair practices to collect debts, using threat of lawsuit. The first phone call I received was from XXXX, which is the XXXX County Court phone number. I now know that the court will not call you to tell you that you are going to be served, so clearly XXXX somehow was able to use the court phone number to make this appear to be legitimate. I ask that this company be looked into for using this type of tactic to collect debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Ticket selling fraud, transaction cancelled by recipient yet transaction still went through. With no receiving of product or service implied with transaction. No course of action by police ( XXXX XXXX Police Department ) bank ( Chase ),  or money transfer service ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I tried to unfreeze my credit report with Experian on line. The only way I was allowed to do it was to write in. I have a home equity loan pending and they are waiting for Experian to respond to my written request. I mailed in a written request to a Texas address a week ago. I have not gotten a notification that they received it or not. 

I tried finding a telephone number to contact them, to no avail. I tried again to reapply to unfreeze my account online. At the end of the form they told me I have to write in!!!!!

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 2019-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Genesis Credit Management, LLC
State: CA

Complaint narrative:
they keep calling and identify themselves as genisis credit and their a debt collector, but they never say what its regarding and who the creditor is, i never received a written noticed from them in the mail. please investigate them and end this abuse

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On my credit report I noticed 2 delinquent, and then derogatory, credit card accounts for 2 different Best Buy stores in IL and SD. I live in Colorado and have never shopped at a Best Buy. The cards were issued by CBNA.

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 2019-03-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I never lived here. I sent four ( 4 ) certified mail notices and two ( 2 ) emails with a sworn affidavit and a FTC Identity Theft affidavit and I am still constantly harassed for a debt that is not mine. I lived in New York at the time of the alleged debt.

Company response to consumer: Closed with explanation