vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: RI

Complaint narrative:
I've own my single family home for over 8 Years. in the last couple of years i have has financial crisis but have been paying my mortgage. i had a conversation with the Mortgage company about 1 month ago in regards to mail they sent me stating that i been late on my mortgage. The representative told me that my account showed no Mortgage payment being made. I went to my Bank XXXX XXXX XXXX and asked for a print out of all my mortgage payments and boom there they were. I need my account with PHH to go under investigation. Im in a serious XXXX and this company are going to be the cause of my death. I just received a notice to foreclose my home. i need your help. please

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
When submitting payments by mail to the Mr. Cooper, formally known as Nationstar Loan Servicer, I date all of the mortgage payments on the day that they are due ( First of the month ). These posted-dated checks are being cashed before the date. In order to comply with the loan servicers ' rules on late payments, all of my checks are sent at least a week prior to the due date to allow a reasonable time for shipping. On XX/XX/XXXX, I reached out to Mr. Cooper asking that they not cash my checks before the indicated date, however they would not accommodate my request. I am fearful that if I turn in my payments on the first of each month I will inquire late penalties that I feel would be unreasonably assessed. How can they be allowed to cash checks well before the indicated date?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Monarch Recovery Holdings, Inc.
State: MI

Complaint narrative:
Monarch recovery services has repeatedly contacted my employer and even informed person that answered what they were calling for and who they were - that information is not supposed to be shared with people I work with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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: FL

Complaint narrative:
I don't recognize this accounts and inquiries. I never applied for it, I don't have any contracts or agreements with this companies.

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 2019-10-24 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: FL

Complaint narrative:
I don't recognize this accounts and inquiries. I never applied for it, I don't have any contracts or agreements with this companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I don't recognize this accounts and inquiries. I never applied for it, I don't have any contracts or agreements with this companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PACIFIC WESTERN BANK
State: CA

Complaint narrative:
I requested a loan fro Pacific Western Bank for the purpose of getting a loan. 
XXXX XXXX the underwriter asked me to send her a list of documents. 
I submitted the documents and didn't hear back from XXXX for over a month. I sent emails for an update and I called a few times to confirm she got everything she needed and to see why she never responded back if she needs anything else for the loan or if we can move forward. 
When I was finally able to get a hold of her over the phone. She said to me " You people can't be trusted, you look for another Bank to do this loan for you ''. 
This sounded to me as a XXXX comment. denial without even reviewing my file!? 
I requested to speak with XXXX 's manager which she ignored me again and refused to provide me with his contact information. 
I was able to get her manager contact information from a different rep at the bank. 
I spoke with XXXX XXXX XXXX and told him what happened, he said he will investigate and call me back. 
I got an email a few days later which give me a whole new excuse of why they did not move forward with the loan. claimed that my construction company has a lawsuit against it, therefore they will not take the loan. I explained XXXX that we are doing many project a year and as the nature of every busy business, we will have some complaints. However, we are taking care of all complaints and this has nothing to do with the loan since I am being the guarantor. 
At this point XXXX was defending his co worker and he just kept attacking me. 
XXXX XXXX, XXXX is the company I applied the loan for. 
XXXX XXXX, XXXX is one of my construction corporation which has a bank account with pacific western. Before the bank opened the account, they investigated the company to make sure it is in a good standing and their will be no issue to open the account. 
If Pacific bank felt that there is something wrong with the business standing, they wouldn't have opened an account for my business. They even asked for references before they agreed to open an account for XXXX XXXX. 

I can provide proof of emails in case you need it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
On XX/XX/2019, I received a request from Flagstar Bank requesting proof of flood insurance. I provided proof of flood insurance in the the following two ways : + On XX/XX/2019, my insurance agent XXXX XXXX from XXXX XXXX faxed a copy of the proof of flood insurance for my condominiums homeowners association to the fax number provided on the notice. 
+ On XX/XX/2019, I uploaded the same proof of insurance document to the website and received the enclosed confirmation. 

On XX/XX/2019, I received a Second and final notice to provide flood insurance saying that I did not respond to the initial notice. I was surprised to receive this second notice because I provided proof of flood insurance twice on the dates above. 

On XX/XX/2019, I called the customer service number provided on the notice and spoke with XXXX who confirmed that she definitely saw proof of flood insurance on my loan. XXXX verbally confirmed and mentioned that she noted in the loan notes that Flagstar Bank has my proof of flood insurance from XXXX XXXX. She mentioned she would investigate why I got the notice and told me to call back on Tuesday, XX/XX/XXXX. 

Im hesitant to spend any more time on the matter since Ive provided proof of insurance. Im especially concerned because XXXX was not able to send me any email or written confirmation that she had the proof of insurance. In my experience with Flagstar Bank insurance requests in the past, I have called multiple times with proof and the customer service agents tell me that the received proof, but Ill need to call back. When I do, they tell me that they never received the proof and it will take several days to research the matter again. Last year, I spent more than 15 hours trying to get confirmation that Flagstar Bank had received proof of my homeowners insurance. 

I would hate to think that Flagstar Bank is purposefully and intentionally stating that they did not receive the proof of insurance in order to purchase the flood insurance on my behalf and add the purchase to my loan amount. However, after my experience last year and with this second notice, Im inclined to believe that Flagstar Bank has received my proof of insurance, but is intentionally stating that they did not in order to profit from this insurance requirement. 

It's my hope that the error can be remedied quickly. I've also sent Flagstar Bank this same information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I have tried to explain to this debt collector on behalf of XXXX that I never ordered services. I investigated and it was a family member that accessed my information for the purpose of getting cable service. I never authorized this service and was then told that it was paid by family member. Unfortunately, this family member has left the country since late last year and I have no contact with him. I am now stuck with something that is not mine. I need this removed from all credit reports. Thank you for your assistance. 
XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: OK

Complaint narrative:
XXXX  XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX ) turned over my account to Transworld Systems , Inc. ( TSI ) for collection in XX/XX/2019 for {$1000.00}. I have since made 6 payments for a total of {$300.00} that should bring my balance to {$690.00}. However, yesterday, XX/XX/2019, I discovered that TSI has my balance at {$770.00}. 
Please note that in the attached files you will see a balance {$1000.00} with TSI. Due  to overlapping communication from both parties, I believed I had miscalculated my debt and that the initial bill from TSI of {$1000.00} was my remaining balance from XXXX XXXX. I have since discovered the additional {$34.00} is " interest '' added by TSI. Nowhere in any communication from TSI is an interest rate outlined, an APR specified, or fees mentioned. Additionally, my online login with TSI makes no mention of interest or fees. There is simply a discrepancy between my payment history amount and the remaining balance shown by TSI.

When I called TSI yesterday, I was told they could, in fact, charge me interest with no further explanation. When I called XXXX  XXXX, they were unaware of any interest charges from either party. Additionally, the balance shown them by TSI matched my payment history/records to total {$690.00}. After someone from XXXX XXXXXXXX contacted TSI, they were informed that if I pay XXXX XXXX directly the account would be closed once I have paid {$1000.00} total. However, if I make payments to directly to TSI the account would remain open until the initial {$1000.00} balance plus interest, at an unspecified rate, is paid in full. 
After doing some review of the Fair Debt Collection Practices Act found at https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text Im concerned there are some violations. Specifically, the following : 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
On XX/XX/2019 I requested a fax of the mortgage pay off amount with XXXX Nationstar Mortgage LLC a subserved for XXXX. See attached. I received a fax and the information for the pay off amount through XX/XX/2019 was {$57000.00}. 
XXXX with bill pay my mortgage payment comes out automatically each month. I've never had a check returned. XXXX makes sure I have the funds when they send the automatic check. I had extra money I wanted to apply so I requested a XXXX bill pay send a check to Nationstar Mortage as normally sent and the check was sent on XX/XX/2019. See attached. It was for {$49000.00}. 
Wednesday, XX/XX/XXXX, I received a voice mail from XXXX asking me to call them at XXXX. When I was off work I called and was told the check for {$49000.00} was returned because the pay off was less than the fax sent me which stated {$57000.00} pay off. I was told the pay off was just over {$50000.00} so they returned the check. 
I became angry because it appears to be that someone didn't do their job. I was called once with a voice mail and called back and told the check had already been returned. When speaking to the employees, the last being XXXX at executive resolution team this XXXX  XX/XX/XXXX, they used statements like " from our perspective '' and " we thought ''. I kept asking where it was written than I could not send a check for this amount. 
Please, see attachments to understand my confusion and anger.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
A company called 'Portfolio Recovery ' calls from a different number 2-4 times a day. Each time I block it another one pops up and this has been going on for about a year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have been paying on my loans for the last decade and my balance has not gone down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I purchased a vehicle on XX/XX/XXXX from XXXX XXXX XXXX XXXX in XXXX XXXX CA. 

On XX/XX/XXXX I emailed the dealership requesting cancellation of 3 service contracts that they added on. 

On XX/XX/XXXX I visited the dealership in person to cancel the 3 additional contract that they added onto my purchase. ( On one contract it said I had 30 days to cancel and get a full refund. After which I can cancel and get a prorated refund minus {$35.00} service fee. ) On the other 2 contracts I have 60 days to cancel and get a full refund.

The dealership made me wait 2 hours and then agreed to cancel 1 of the contracts but not the other 2. The contract they let me cancel was with a company named Ally.

I signed the paperwork to cancel the one contract that they said I could cancel. 

As of XX/XX/XXXX I didn't see that anything had changed, So I emailed the dealership as well as the administrators of the contract -Ally and XXXX to cancel all 3 contracts. 

Today XX/XX/XXXX. I contacted Ally and the contract was still in force. It appears the dealership did nothing with the paperwork I signed. Ally went ahead and cancelled the service contract with me over the phone. 

I then contacted XXXX the administrator of the other 2 contracts. XXXX says that I can not cancel with them because they have never received the initial contracts from the dealer. So my dilemma is the dealer won't let me cancel the contracts that say on them that I can and the administrator company can't cancel them because the dealership is dragging there feet sending them in. Meanwhile I only have a few days left to receive a full refund on one contract and my refund continues to dwindle away on the other. The dealership has told me several times that I can not cancel the contracts because they were part of the deal. I had to buy them since they supposedly gave me a good deal. The paperwork says otherwise. That I can cancel, which is what I have been trying to do. 

To further complicate things, the dealership switched the finance company on me. So I need to be careful that when I do get the refunds, they go to the correct finance company. Not the company on the paperwork.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened my best buy credit card back in early XX/XX/XXXX. When opening my credit card, they asked me if i would like to sign up for their " debt protection '' program which I denied. About 2 months into making my first purchase, I realized that I was paying for this " debt protection '' and immediately called the credit card company to remove the fees I was currently being charged. At the time I was a college student and I was hardly making enough to live by, so getting charged {$12.00} a month for a service that I didnt need to use was ridiculous. After calling and speaking to a representative, the rep. said that they are taking my concerns and issues seriously and that they would send me a letter saying whether this was approved for a refund. I never got a refund or a letter. However, I did check my account and I was not getting charged for it anymore till ... XX/XX/XXXX. I had made another purchase only to realize a few years later I had been paying for the " debt protection '' service which I had declined TWICE. I remember even telling the cashier that I will be declining their " debt protection '' service because its insanely expensive and pointless to me. It was about 2-3 years later when I noticed the charges due to my credit card amount not equaling what was calculated. Once again, I called the CC company complaining and they again responded with the same statement " you will get a letter or a refund in the mail ''. NEVER did I see anything in the mail. I was XXXX. I had been a loyal customer to best buy forever and now this is the type of fradualent activities I have to deal with? I paid over {$400.00} in debt protection fees for a job I would never lose since it was family owned. This is ridiculous. The fact that I had also called them multiple times and nothing got handled ... is insane. Something has got to give. I come from a huge family but after tellihng my story none of my family members shop at best buy no more for the fear of the debt protection fraudulent charges by the bank. Something about this needs to be resolved because another lawsuit wouldnt sound too good.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
A company called XXXX XXXX ' calls from a different number 2-4 times a day. Each time I block it another one pops up and this has been going on for about a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC

Complaint narrative:
Discovered my credit was in poor condition due to a collection agency named Fair Collections and Outsourcing demanding I pay almost {$8000.00} on behalf a apartment management company. I have no letters, emails or paperwork from this company. Just the limited information I found online when looking up my credit score.

Due to unsafe and dangerous living conditions in the apartment I was living in I had to move out of my apartment. When I first moved in I was not informed by management that the tenant was mentally unstable and actually needed a caretaker due to his mental illness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
This company " BULL CITY FINANCIAL SOLUTIONS '' put a collections of debt notice on my XXXX credit report. When I called them, they stated they have no record of me yet they were able to upload the collection to my XXXX credit report as I am getting ready to finance for a new home. They stated to just dispute the claim which is delayed. Their data practices are not correct if they can submit a damaging claim and not correct it. 

Bull City already informed me due to their lack of data management they can not do anything for the damage caused. This was complaint process is a formality before getting an attorney for damages

Company response to consumer: Closed with explanation