vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-17 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: VA

Complaint narrative:
repossessed vehicle sold but no value credited to account. Remains on credit report inaccurately since 2014

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: NY

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The credit bureaus are reporting inaccurate/outdated/incomplete personal information.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 2019-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: DE

Complaint narrative:
In the process of obtaining a mortgage through NAVY FEDERAL CREDIT UNION. On two occasions I am being told by my loan officer XXXX XXXX that they can not obtain a credit score for me through XXXX XXXX XXXX phone # XXXX with an order # XXXX. I have a freeze on my credit profiles through all three Bureaus. This freeze was placed due to my being a victim of credit fraud in which I purchased a XXXX XXXX mattress set and my credentials was accessed and different credit cards started to appear in my name. I HAVE PERSONALLY LIFTED ALL THREE BUREAS FREEZES FOR THE ABOVE LOAN OFFICER SO THAT THEY CAN OBTAIN THESE SCORES ONLY TO BE TOLD AGAIN AND AGAIN THAT THEY DONT HAVE A SCORE FOR ME. 

On several occasions I left messages for the above loan officer and her supperiors by the name of XXXX XXXX ( XXXX ) XXXX EXT XXXX. Never once did any of the above contact me back. I find all of the above hard to believe because in XXXX the area where I am looking to purchase had NO PROBLEM in pulling my credit score for their application through there leasing office. I am now feeling that I am getting the run around by either NFCU or XXXX in which the latter has provided a PIN to remove or lift the credit freeze. I am now looking at the possibility of losing the home I so dearly am trying to purchase over a technicality.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: EQUIFAX, INC.
State: KY

Complaint narrative:
Well for some reason Equifax is reporting wrong information on my credit file. I noticed in XX/XX/XXXX of this year that Equifax had me down for a balance of {$1300.00} for my XXXX XXXX/XXXX credit card account and I noticed they had my last payment as of XX/XX/2019. My balance is XXXX since XX/XX/XXXX and my last payment was on XX/XX/2019 in the amount of {$590.00}. I have file multiple disputes with Equifax and they tell me they are just reporting what the creditor is giving them. I contacted the creditor and they assured me that they are sending the right information and that I have a XXXX balance and they dont know why Equifax is reporting me with a balance. I also checked with another bureau XXXX and they have everything exactly right I just dont understand why Equifax is always reporting the wrong information and makes me believe something is going on. One of the disputes with Equifax stated that they remove it from my credit report and it was still there I contacted Equifax and said, yall said, that you removed it but do you see that it is still there and the agent said, yes she doesnt understand why and all I can do is file another dispute. This has been going on for three months and I am just tired of trying to fix this problem and every time I call Im talking to non-English speaking people which makes it even difficult. I also sent them my statements which has all the correct information on it. This has hurt my credit ever since XX/XX/XXXX. I really believe there is a problem going on at Equifax. I know no other way to fix this problem this was my last resource the only other thing I know to do is contact an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen, which recently changed their name to PHH XX/XX/XXXX, and now they are known as XXXX, is fleecing my husband and me as consumers. We are in agreement with the servicing center for a shared appreciation modification. Under this modification, 100 % of our deferred principal balance would be forgiven in equal installments over ( 3 ) years on each of the first, second and third anniversaries of the modification date which originated XX/XX/XXXX. This deferred principal is treated as a non-interest bearing principle forbearance and we are not obligated to pay interests or make monthly payments on any portion of it. This amount has never been reported to the three major credit bureaus over the past 2 years and 6 months since the signing of the modification until recently. 

1 ) Ocwen/PHH/XXXX XXXX  has breached the terms of the modification by not forgiving one-third of our principal balance on the first anniversary of XX/XX/XXXX, this portion was not forgiven until XX/XX/XXXX, the second anniversary of XX/XX/XXXX which was not forgiven until XX/XX/XXXX and the third anniversary of XX/XX/XXXX which has yet to be forgiven. 

2 ) Ocwen/PHH/XXXX XXXX before XX/XX/XXXX was only reporting the regular principal balance to the three major credit bureaus. Once the company changed its name, they added the remainder of the deferred principal to our regular principle balance and increased our debt by {$46000.00}, thus, lowering or credit score by as much as 20 points. 

3 ) Owen/PHH/XXXX XXXX has yet to take accountability for their actions after countless conversations with representatives. Today, XX/XX/XXXX we spoke with XXXX, agent identification number XXXX, who stated that the remaining deferred principal of {$46000.00} amount would be added to the backend of our loan per a letter dated XX/XX/XXXX. She asked, " how much do you believe that you owe? '' We immediately asked for a supervisor and was transferred to XXXX, agent identification number XXXX, who stated that a letter was sent out which states that the debt would be forgiven on XX/XX/XXXX. 

4 ) Although we have arrived at our third anniversary, we have yet to have the remaining deferred principal forgiven. Our credit score has been significantly impacted by the actions of Owen/PHHXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
Myloancare was servicing my mortgage that started in XXXX of XXXX by XXXX XXXX XXXX. I was set up for autodraft and they took my XXXX payment electronically for {$1100.00} I received a letter saying my mortgage had been taken over by XXXX and when I called, they told me that my EFT would not work and it had to be re-set up. This was XX/XX/XXXX and my payment was due the XXXX. They said I did not have to pay it, because they would allow 30-60 days during the transition. However, I know that they will still be charging me interest, so I made the {$1100.00} payment to XXXX on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX XXXX, serviced by Myloancare ( loan number was XXXX ) withdrew {$1100.00} from our checking for the XXXX payment. It has been a nightmare to try and get these funds back. 13 days later and I can not get anyone to return my call. I have received communications from a XXXX XXXX via phone and email trying to track down my money. I sent copies of my bank statement to XXXX XXXX. Finally XXXX said they found the money but would only mail me a check and they refused to do an electronic transfer and when I requested by voice mail for an overnighted check, no repsonse. I even left a voice mail for XXXX XXXX who is the CEO of the parent company and not even a courtesy response.

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 2019-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: TX

Complaint narrative:
I have called Granite State Management Company twice seeking a repayment schedule for my loan. They have never delivered it. In addition their website or billing process offers no ability to designate principle payments. Also, their billing process is deceptive, in that it lowers the monthly payment based on prepayments, convincing borrowers that they are making more progress than they think on their loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This account was settled and XXXX XXXX is still reporting to the credit bureaus as a balance owed and delinquent. I have disputed this many times.

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 2019-09-17 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: EQUIFAX, INC.
State: MD

Complaint narrative:
This account was settled and XXXX XXXX is still reporting to the credit bureaus as a balance owed and delinquent. I have disputed this many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This account was settled and XXXX XXXX is still reporting to the credit bureaus as a balance owed and delinquent. I have disputed this many times.

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 2019-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I am the primary caretaker of my parents, my father has XXXX and my mother has XXXX. Peoples bank on the XXXX XXXX in XXXX allowed someone to cash checks stolen from our mailbox. I found the fraud when I went to the bank to get on the account so I can do their online banking through the peoples app. We filed a police report, the case # is XXXX at the XXXX police department. Officer XXXX handled the case. Peoples allowed the same person to cash checks from places like XXXX XXXX and XXXX XXXX, so I fear it may be an inside job theyre trying to keep quiet. Were out around {$3600.00}, and my mom cant afford her medicine. I dont know what to do, they said it could take up to a month, but my mother may not have a month. The bank representatives have been no help, and the laziness of the branch working with corporate has ensured this gets dragged out. PLEASE HELP. Our utilities check was stolen and we may get our water shut off soon because one of the checks that was stolen was from the water company XXXX. 

Sincerely yours, XXXX XXXX XXXX XXXX. 
Ima available any time at XXXX, and by email at XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC
State: KY

Complaint narrative:
I am hoping to sell my home and buy a new one. I have a buyer, and we are both clear to close on our loans. However, the buyer of my home can not close on mine until her buyers close ( a long chain ). They are using Movement Mortgage. As of now, it has been over 80 days that the loan has been processing. Last week, we were told that they were clear to close. We then found out that the loan officer at Movement Mortgage was not honest with us, and that they were not clear. Since then, there has been little to no communication with anyone about why the loan is sitting there- not being declined or closing. We were told again that it would close today, but it hasn't happened. At this point, it is affecting my ( and everyone else in the chain ) ability to sell my home and close on my new home. The lack of communication is unacceptable and I have no idea what the next steps are if we can't get an answer one way or another from Movement Mortgage. I would just like a resolution to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc.
State: VA

Complaint narrative:
On XX/XX/2019 i paid XXXX XXXX {$100.00} with check # XXXX. The check was deposited by XXXX XXXX on XX/XX/2019. ( I have the bank document to prove this ). 
On XX/XX/2019 i get a collection notice from Receivables Management Systems stating i owe them : Creditor : XXXX XXXX  {$0.00}, Interest : {$2.00} and Collection Fee : {$40.00} for a total of {$42.00}. I do not understand how they can collect a collection fee with interest when I owe nothing to the Creditor XXXX XXXX because they were paid in full on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX Capital one sent me the following email " XXXX, Were closing your Savor account ending in XXXX because your purchase activity has not been consistent with our expectations of how consumer accounts are used. Your account will be closed on or after XX/XX/2019. If you have a rewards balance at that time, it will be issued to you in the form of a check or a statement credit. '' The email stated that my account will be closed XX/XX/XXXX and that all my rewards up until that date will be credited to me. Capital one LIED in this email. My account was not closed on XX/XX/XXXX capital one decided to close my account XX/XX/XXXX so there email to me was a total LIE. Furthermore I had {$35.00} in completed cashback and {$130.00} in pending cashback on XX/XX/XXXX when Capital One decided to close my account 30 days before the date there email said they would be closing my account. I am owed {$170.00} in cashback rewards. Please send me my {$170.00} in cashback I am owed immediately ASAP or I will be taking this matter to the courts. 

Furthermore Capital one advertises this credit card as " Earn unlimited 4 % cash back on dining and entertainment '' but its not really unlimited. There advertising is false. If you purchase to many items in there " unlimited '' category they will close your account. This is false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: MS

Complaint narrative:
In retaliation againt me for filing a complaint with the CFPB, XXXX XXXX XXXX has refused to report my account status to the credit bureaus for more than 60 days. My account is current, it always has been current. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: EQUIFAX, INC.
State: NY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Chase credit card was not supposed to bill me until XX/XX/XXXX, instead, they billed me XX/XX/XXXX. I am a XXXX veteran and my check deposits into my account usually on the XXXX. They caused me a {$30.00} insufficient funds charge at XXXX XXXX XXXX and refuse to pay the over draft. XXXX refuses to erase the charge. THERE SHOULD BE REGULATION THAT CHASE SHOULD HAVE TO PAY THIS {$30.00} NSF CHARGE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I cancelled an auto charge from a separate company to my credit card through Capital One, which at the time had a XXXX balance, in XXXX XXXX, but it hit my credit card account anyway in XX/XX/XXXX. I left for XXXX XXXX bootcamp and was gone for training throughout the delinquency reported on my credit reports, so no way to access the information or resolve. I found the charge and called the company to request assistance resolving the issue ; was told there was nothing they could do. They aren't giving me a chance to even try to resolve this issue though I had no way to do anything previously due to military orders. I'm requesting the adverse information reported be removed and my excellent credit score restored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
n the process of obtaining a mortgage through XXXX XXXX XXXX XXXX. On two occasions I am being told by my loan officer XXXX XXXX that they can not obtain a credit score for me through Equifax Mortgage Solutions phone # XXXX with an order # XXXX. I have a freeze on my credit profiles through all three Bureaus. This freeze was placed due to my being a victim of credit fraud in which I purchased a XXXX XXXX mattress set and my credentials was accessed and different credit cards started to appear in my name. I HAVE PERSONALLY LIFTED ALL THREE BUREAS FREEZES FOR THE ABOVE LOAN OFFICER SO THAT THEY CAN OBTAIN THESE SCORES ONLY TO BE TOLD AGAIN AND AGAIN THAT THEY DONT HAVE A SCORE FOR ME. On several occasions I left messages for the above loan officer and her supperiors by the name of XXXX XXXX ( XXXX ) XXXX EXT XXXX. Never once did any of the above contact me back. I find all of the above hard to believe because in XXXX the area where I am looking to purchase had NO PROBLEM in pulling my credit score for their application through there leasing office. I am now feeling that I am getting the run around by either XXXX or EQUIFAX in which the latter has provided a PIN to remove or lift the credit freeze. I am now looking at the possibility of losing the home I so dearly am trying to purchase over a technicality.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
ON DATE : XX/XX/19, I received a check from a family member for funds used for the purchase of a special needs van for a special needs child in my family. When I went to the bank, Chase N.A., at XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, they refused to cash my check. this check was from their bank. The bank manager,  XXXX XXXX, informed me that he has to force me to get an account in order to get more than {$1500.00} for non-members. I called the FDIC to complaint while in his office they refer me to CFPB. I went to another bank, chase, location : XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, was refer to the bank manager, XXXX XXXX. Who then told me that he too was informed by his management chain that for non-members highest they can do is {$2000.00} or he would be forced me to open an account to get the rest. I went to another bank, chase, location : XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, was informed their bank doesn't process depositors. 
At the end of the day. Went to ( 5 ) banks to cash ( 5 ) different checks from ( 5 ) completely different banks. Chase was the only problem child.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
OCWEN lost our loan when we refinanced with XXXX. 

XXXX took over our loan in XXXX, 2019. 

OCWEN was holding {$2200.00} in escrow at that time. 

OCWEN returned {$710.00} on XX/XX/XXXX. 

OCWEN still owes us at least {$1500.00} in escrow funds. 

We contacted OCWEN and they told us we had to fax them a written request for " research ''. 

OCWEN is way beyond the statutory time limit for returning all of our unused escrow funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lendmark Financial Services
State: GA

Complaint narrative:
This debt collector has called my job over 20 time. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are just some of the days I have written down.I have asked them and told them to stop calling my job in concerns to this matter and to call my personal number instead. Her name is XXXX and she has cures out my boss when she asked her to stop. My boss is now taking lawful action.

Company response to consumer: Closed with explanation