vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
Issue : PHH Mortgage is delinquent in paying out my property taxes for the second time in XXXX. 

On XX/XX/2021 I was notified by a neighbor that " I '' had paid her property taxes which were due for everyone on XX/XX/2021. I checked online at cXXXX and did see that my taxes had NOT been paid. 

Online at the dashboard for PHH Mortgage, it shows my escrow money disbursed. ( In an amount that does not match what was due ) Same day, XX/XX/XXXX, I contacted PHH customer service and got to an escalation manager. Basically now my neighbor can not pay her taxes because PHH has done so in error and mine are delinquent yet again.

I last spoke to the escalation manager when the matter was already 23 days old. He said that they were still working with their 3rd party XXXX XXXX to get the issue resolved. Since that discussion, now they call me, let it ring 1/2 time and hang up. This morning, I called Manager myself only to get a message his voice mailbox was full. 

**My new refi mortgage was handed over to PHH by XXXX XXXX beginning of XXXX  for servicing. Taxes were due then on XX/XX/XXXX. They were more than 4 months delinquent before they were finally paid. I absolutely do not understand why XXXX XXXX continues to hand over mortgages to this servicer, PHH Mortgage. Their business processes are not solid and issues are not resolved in any kind of reasonable time frame. Customer service is professional and then hides instead of reporting a lack of progress. 

I am most concerned that this company continues to be given business by a government entity and secondly to get my ridiculous issue resolved. 

Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
A XXXX dollar XXXX transfer was fraudulently made on my Bank of America account. Ive made several claims and never got my money back. Its been several months and the bank is denying the claims. Also Bank of America closed my account.

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 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit report and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted as soon as possible. I have reported the theft to my identity to the Federal Trade commission. I have attached a PDF document reflecting all items. Please investigate these matters and remove the disputed items as soon as possible. Unknown inquires : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent letters on XX/XX/2021 about inaccurate and unauthorized items on my report. Over a month has passed and I have not been sent any paperwork about the reporting. Please reach out to them and have them respond with factual information other than just saying verified without providing proof.

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 2021-11-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Easy Finance, LLC
State: TX

Complaint narrative:
Company keeps calling harassing my references after telling them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
i reported to the credit bureaus XXXX, XXXX and XXXX that the account of XXXX was a fraudulent account. I submitted disputes on XX/XX/XXXX and XX/XX/XXXX, XXXX deemed the account as fraud and removed the item from my credit report. I placed disputes for XXXX with the two credit bureaus XXXX and XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The reasoning being fraud. On XX/XX/XXXX the account were completed and deemed to stay on report. I called and reached out to the XXXX  on XX/XX/XXXX and the representative agreed there was information in my file stating that the account was deemed to be fraud in my favor and the account was to be removed off my file in XXXX. The representative the stated he sent a message to the department that was in charge to take off the issue. I then requested to have something in writing and he stated that there was nothing he can provide via email or mail. I stated this is troublesome to me because i been getting the run around and i needed something tangible to have for my records in case of future issues. He became frustrated so i requested to speak with a supervisor. He transferred me and when she was on the line she gave me a whole different store of not having a remove request on my credit report and that there was no fraud disputes on file that i had to actual start one with her. At this point i create one with her and reference the new FTC report i had to create because of them not having my information on file from the past. This company is very unorganized and i am very concerned that they are not trying to accommodate my concerns with this fraudulent case. 


As for portfolio recovery services I placed disputes for two accounts ( XXXX and XXXX ) with portfolio recovery services and the credit bureaus XXXX and XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The reasoning being fraud. On XX/XX/XXXX the accounts were cleared to be removed off my credit reports but for some reason they are still reporting on my transunion. I spoke to a representative on XX/XX/XXXX who has agreed that both accounts are requested for deletion to the credit bureaus which they also stated they would send me copies of this information with 5 business days in unmarked white envelops.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Hi, On XX/XX/2021, I called in to close my US Bank XXXX XXXX Credit Card account. I was told by a representative that, that department was busy at the moment, so she could assist. She took some information and claimed that she had put in for it to be closed. In addition I sent in a request via fax with my signature, as double-confirmation that I wish for the account to be closed. As of this morning, the account is still fully open. I have dealt with other similar banks, that choose to utilize manual processes for credit card closure, rather than making the process electronic, and every time the bank has kept the card open despite numerous requests for closure. I do not have confidence that US Bank will close my credit card in a timely manner, and thus am filing a CFPB complaint to force them by law to do so. I do not want this account, and need for them to process the closure immediately.

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 2021-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received a letter from US Bank dated XX/XX/XXXX thanking me for applying for a Platinum Credit Card account. It also states that the consumer credit reporting agency has indicated that I have put a security freeze on my credit file and they are unable to obtain information from the consumer reporting agencies. It states that it is important that they receive this information within 15 days from the date of the letter in order to continue processing my application.

I never applied for a credit card with US Bank so I called US Bank on XX/XX/XXXX ( XXXX ) and spoke with an agent. I explained that I did not apply for a credit card and asked why I received this letter. They input my information in their system and said there was nothing indicating that an application in my name was in process so there was nothing more they could do. 

I then called XXXX and spoke with an agent who said that someone must have my SSN in order to submit an application. I then placed a fraud alert on my 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 non-monetary relief
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I've contacted this company several times informing them that i did not consent to. authorize nor benefit from any of these inquires ; therefore their reporting of them is inaccurate and incorrect. 
1 XXXX XXXX XX/XX/2020 2. XXXX XXXX XXXX  XXXX XX/XX/2020 3. XXXX  XXXX XXXX  XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I have been called by number, XXXX, up to 3 times a day. They don't leave voicemail. When I called back is says " number not available ''. When I answer it says " no one is available to take your call '' Today, I picked up again and man identified his name as XXXX and said he was with the company Affirm. I told them to stop calling since they call me three times a day. He said it was a recorded line.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I was on forbearance with my mortgage company XXXX sub-serviced by Loancare from XX/XX/XXXX to XX/XX/XXXX. I still made payments, only pushing out a few months until the next month. I was fully caught up XX/XX/XXXX and made extra principle payments. I knew that escrow could be a potential problem so I calculated sufficient funds each month. However, my loan servicer did not calculate correctly and my monthly payment began to fluctuate higher and higher each month. I called and talked with many agents, at least 20 times, and each time I was given different information. I asked specifically for the escrow department. I was given the run around and bounced around from department to department spending endless hours on the phone only to get to someone who acted like they did not understand the situation. On XX/XX/XXXX, I sent a detailed accounting spreadsheet of my escrow payments to XXXX Subserviced by LoanCare. I started at the beginning date of my loan XX/XX/XXXX with initial escrow payment at closing and charted all the way to my most current payment. My current balance is over {$6000.00}. XXXX Subserviced by LoanCare sent an annual escrow account statement dated XX/XX/XXXX with a balance of XXXX shortage and yet another increase to my monthly payment.

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 2021-11-10 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: NY

Complaint narrative:
Have had wild fluctuations on my credit score for no apparent reason. My balances are low, I have a long credit history and no delinquencies. Nonetheless my XXXX XXXX credit score dropped 57 points this month. This continually happens to me. My credit score went from XXXX to XXXX with no apparent reason. Equifax reduced my credit score from reduced my score 53 points to XXXX. All my credit factors remain positive. 99 % PAYMENT HISTORY, 19 % CARD UTILIZATION, 0 DEROGATORY MARKS. Just not fair that these credit agencies are playing ping pong with my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: MI

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I purchased the vehicle in XX/XX/2021 and have not received my tag as of this date..I have had constant contact with the company who told me not to pay the payment, as they themselves did not have the title to the vehicle. I still continued to contact this company, to no avail. Now in XXXX, I start getting collection calls after I was told not to pay and my constant phone calls telling them I need my tag. I get pulled over every time I drive just about. Someone was supposed to call and I still get collection calls but no-one calls about the tag. This company received the tag in XXXX amd that us when these collection calls began. Now they try to tell me that I know I owe money, that I should just pay the payment and go get a new tag. This upsets me completely, as I did not pay because I was informed not to. I also checked my online account, in which never had a payment due. I informed them that they need to correct their error, reporting to the credit bureau that I am late, send me my tags that I paid for and We will get the car taken care of. I just want out of this situation as it is causing more stress than I care to deal with. I can't trade the car because of them reporting to the credit bureau, I ca n't drive the car because of them but I can't get anywhere. I just keep getting collection calls with no resolve. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX. I have lived at this address since XX/XX/XXXX, and I have a copy of my lease agreement, which says the same. 
The Company is XXXX XXXX XXXX, the amount is {$1900.00}, the date is : XX/XX/XXXX. The current collector is : Procollect , Inc @ XXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX. The person I spoke to @ Procollect was uncooperative and hung up the phone as I was attempting to clear the matter. Since, I have returned their letters writing on the letters : that XXXX XXXX does not live at my address, and that I have lived at this address since 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 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ALLY FINANCIAL INC.
State: ND

Complaint narrative:
I had a loan with Ally Financial the last four digits of the loan account were XXXX. 

In review of my XXXX Credit report I am seeing that Ally has only made minimal entries that the Credit Bureau sees.

1. - Only three entries for the Balance of the loan 2. Only two entries showing the scheduled payment amount 3. Only one entry showing an actual payment of {$520.00}. 

I would like these entries to be corrected and complete for the time I had the loan with Ally until I paid it off.

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 2021-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
Lady called with a foreign accent that was hard to understand, possible XXXX or XXXX. This company ( CB Group XXXX ) has called me multiple times and all callers have accents. I have been asked for the ending of my social security number, my full address and full name. She wouldn't share with me the reason for her call unless I shared my personal info. She was forceful and talked over me. Caller would only say that it was on a personal matter and that I was being recorded. They offer to work out a deal with me over the phone for the debt. that I know nothing about. They try the scare tactic to have you pay today and stop collections. I did not share any info, being I have no debt. in question. I have advised her that I would report the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 
Edited

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Back in XX/XX/2021 Bank of America blocked my EDD debit card that was issued by the State of California for my Unemployment. I reached out to them to fix the issue and went through the verification questions and then was told that I needed to contact the EDD in regards to this.

During that time, I have not been paid my EDD unemployment benefits that have been deposited to the card every two weeks by the EDD.

I've reached out the the EDD over the next few months and their responses were always the same, saying that they don't block the EDD debit cards and to contact Bank of America. Bank of America always says to contact EDD to fix this.

I have screenshots of the inbox messages from the EDD in regards to this, saying that they don't block the cards and to reach out to Bank of America. Then the final message from EDD on XX/XX/2021 saying that my identity WAS confirmed on XX/XX/2021 and again to contact Bank of America.

Bank of America, at this point, STILL says to contact the EDD and that they can not assist me.

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 2021-11-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Real Time Group, Inc.
State: MS

Complaint narrative:
I was told that I owed the amount of over {$15000.00} on a debt that was discharged from XXXX  bankruptcy chapter XXXX Real Time Payment Solutions is continuing to want payment even though the debt was discharged in bankruptcy from XXXX.

Company response to consumer: Closed with explanation