vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On  XXXX   XXXX ,    2017  this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BYL Collection Services
State: CA

Complaint narrative:
On  XXXX   XXXX ,  2017 this company received a letter requesting validation where I asked themn either provide me with proof of my liability in the form of a contractual agreement that I agreed to for the debt or delete the item from the credit report. They ignored this request and at the same time verified the account with the credit bureaus as a valid account and continued to report this frivolous account on my credit report. This is a violation of both the FCRA and FDCPA Sec 809,

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX  does not investigate discrepencies in my report.   the errors that I have requested be investgated fail to looked at.     additionally there is  XXXX -  XXXX   point difference in  FICO  score compared to   XXXX   and Experian.   when I call the  XXXX  number they hang up on me.   additionally they have advised me that I must pay to get an updated  fico  score and report update.     Experian continues not give me one update they dropped my fico score  XXXX  point for no reason!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is reporting information on my credit report that I requested to be validated. I mailed a letter of dispute on  XXXX / XXXX / 2017  in regards to an account,  XXXX   XXXX  Bank, which is reported on my credit report. Experian sent me a letter informing me that the account was verified. I wrote another letter of dispute on  XXXX / XXXX / 2017  requesting proof of the validation of this account. Experian then sent me a letter informing me that they will not reinvestigate this information again unless I send them additional information to support my claim.     Under the Fair Credit R eporting Act, 15 U.S.C. 1681g I have the right to request that the Experian disclose to me all of the documents that they have recorded and retained in their file at the time of my request concerning the accounts that they are reporting in my credit report. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if they do not investigate AND respond, Experian must delete the disputed information from its files.      I only wanted to see proof of the validation of this account. I can only assume that there was no investigation into the matter being that there was no evidence was given to me about this account. By publishing these inaccurate and unverified items on my credit reports and distributing  them to 3rd parties, Experian is damaging my reputation and credit worthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: DE

Complaint narrative:
I have called and requested a hardship withdrawal letter from Nationstar mortgage on  XXXX   XXXX . The company told me that the letter would be generated in  2-3 b usiness days and sent to me via postal mail and email. I followed up with phone calls  XXXX   XXXX ,  XXXX ,  XXXX , and  XXXX  asking if the letter had been generated and made available for me to pass along to m y 401 (  k ) account holder so that my payment can be made by  XXXX   XXXX , or I would have to ask for another hardship withdrawal letter for a different amount for the month of  XXXX  or possibly lose my house. The company responded each time to my follow up calls stating that the letter should be generated i n 24  hours and would be available the next day. I called today,  XXXX   XXXX , and the representative is telling me that the letter was n't requested until  XXXX   XXXX . Nationstar seems unmotivated to allowing me to resolve my past due payments and seems as though they would rather my mortgage go into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
Back in  XXXX  of    2017  I complained that Ditech stole money from me and tried to pass it off as an HOA fee. Case number :  XXXX . The money was only returned when they were forced to respond to my complaint. So thank you for that.     Since then I have received no responses to any questions I have asked them. They bumped my escrow by {$90.00} per month. I still have not been late with any payment however they are trying to justify this boost based on  2017  taxes. I have qualified for t he Homestead Exemption  in  XXXX   XXXX  GA for  2017  so my taxes should go down. I actually received an estimate fr om the county  in  XXXX  and it went down a lot. They wont respond to any of the questions regarding the surplus money. I get a generic email and letter that says we are coming up with a solution.     I refuse to call them becau se Ditech call center staff have set responses. The first response is to blame the homeowner for any and all problems. I  'm tired of the games and the backlash

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NCC Business Services, Inc.
State: NC

Complaint narrative:
For 3 years this company has been ( robot ) calling me for a minimum of 4 times a day. They are trying to contact a person   who once lived at my residence. On at least 4 times I have told them that I am not financially responsible for this person, this person is no longer living with at this residence, is deceased, and I am not the administrator/executor of his estate.
Are collectors usually are prohibited from contacting third parties more t  han once?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Student Services
State: TN

Complaint narrative:
In  XXXX   XXXX  I learned about the  Public Service Loan Forgiveness Program  ( PSLF ) through  one of  my professional magazines and called them. I found out that my current 'program ' had not been sending my payments of {$230.00} to  XXXX . I had been paying them through automatic debit since about  XXXX   XXXX . I immediately cancelled payments from my bank and applied for the PSLF. I began inquiring about the monies paid. Where was the money and why was n't it sent to  XXXX . My loan amount was about  XXXX  in the beginning and it was now  XXXX ! I was told my money was in an escrow account until they found the right program for me. I was given a breakdown of collected fees and total collected was {$5900.00}! We debated about a refund they initially offered {$1500.00} and final offer, which was paid {$3100.00}. They se nt 2 checks one for  {$220.00} and {$2800.00}. I deposited them    XXXX   XXXX   XXXX  . I c alled the Better Business Bureau  of C A during this process and they advised me to file a complaint after the checks cleared. The checks cleared on    XXXX   XXXX   XXXX  . T here is a balance of {$2800.00} that I believe I should have refunded. I was never placed in a student loan program and my student loan debt is higher than it was at the start. They did not pay my loans as agreed upon and this is very unfair to students trying to comply with repayment options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received a response back from Transunion via email on  XXXX / XXXX / XXXX  regarding the most recent complaint. They indicated they found the item to be accurate and it will remain on my credit file. This item was previously removed over a year ago  on two di fferent occasions. I was never notified this item was being added back via email or mail from Transunion in the past. I do however, have notices from Transunion were the they found the item to be inaccurate in the past and removed it from my report. 6 months to a year later this item comes back on my report under another creditors name. I do not agree with Transunions most recent investigation and will be seeking legal counsel if action is not taken to have this removed for the third time.     Here is my complaint that I recently sent Transunion : A collection account under the name  XXXX   XXXX   XXXX  was listed on my credit report in the amount of {$640.00}. I had no knowledge of this account and it was disputed to Transunion and  XXXX  on  XXXX   XXXX . It was removed by both Transunion and  XXXX . It reappeared under another collection agency name  XXXX  in  XXXX   XXXX . I was never notified by either Transunion or  XXXX  in writing this was being placed back in my credit report. I redisputed the items again with both companies and it was removed f or a 2nd tim e on  XXXX   XXXX . I looked at my credit report today and found that for the  3rd tim e on  XXXX   XXXX  this same collection account was added back to my report under the collector name  XXXX   XXXX . Once again I was never notified in writing after this was deleted that it was going to be added back into my credit file. I have no knowledge of this account and it is illegally being placed back into my file months after it was disputed and removed without my knowledge. As the consumer I should not have to keep filing disputes for this unknown account that was removed over a year and a half ago.

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 2017-05-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Today,  XXXX / XXXX /  XXXX  , I attempted to make a payment online for the ending statement balance due of {$55.00}. The online payment system would not accept a payment that exceeded my current credit card statement balance. My current credit card statement balance consists of a credit of {$27.00} for a refunded late payme nt. ( This  is a new account and I did make my first payment a day l  ate, Kohls refunded the fee ). The fee was refunded after my statement had cycled, hence, my balance due on the statement was higher than the current balance.
Interest is charged on the statement ending balance. The only way I can avoid this is to pay the full balance. However, their online payment system wo n't accept a payment that exceeds the current balance. I called their customer service department to verbally make a payment and the representative discouraged me from paying the balance in full. I had already paid the current balance online, which was less than the ending statement balance. I told him that in order to avoid interest charges I had to pay the statement balance in full and I was fine with having a credit balance on the next statement cycle. He was argumentative but I finally prevailed after telling him I was an accountant and knew exactly what was going on. Clearly this is a way for Kohls to earn interest by not allowing its customer 's to pay off their statement balances online and discouraging them to do so over the phone.
Kohls should accept payments for the total statement balance online regardless of activity on the following statement cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On   XXXX   XXXX    2017 I no ticed my credit went from  XXXX  to  XXXX  with   XXXX   and from  XXXX  to  XXXX  with  XXXX  credit reporting agency. This is eroneous reporting coaused by  Capital One credit card. Capital one was erroneously   reporting that I was using between  12  and 29 % percent of my credit for the month of may. I only actually used 8 %. I spoke to Supervisor  XXXX  from  Capital one o n Sunday   XXXX   XXXX   , 2017. I as ked her to send a notification to the  XXXX  credit buruea reporting agencies. She stated that she would but I never received any email confirmation of this. Capital one created this mistake with the credit buruaes knocking my crddit down. I need this fixed ASAP as I am in the process of fianancing a Town home awaiting approval for a VA home loan. The mistake with capital  one occurred when they credited back my account for   {$200.00}, but wrongfully put this credit as a debit on my credit limit. Subtracting the the amount from my credit l ; imit instead of addin g to it. Total INCOMPETENCE!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
XXXX   XXXX   XXXX  which I paid monthly since   XXXX   XXXX   with assistance for this issue in the amount of {$250.00}. As of   XXXX   XXXX   XXXX   I completed the modification which began on   XXXX   XXXX   XXXX   through   XXXX   XXXX   with making monthly mortgage payments in the amount of {$770.00} ( to  Rushmore Loan Management Services )  signing off on the papers on   XXXX   XXXX   XXXX  , with  XXXX   XXXX   XXXX  and sent to  Rushmore 's  Counsel ( unsure of the name of the counsel located in  XXXX   XXXX .  XXXX  ) I have n't received the final copy of the executed modification documents, nor their dismissal of the foreclosure. In addition, and just as concerning is the fact that the payments were made on time and they keep reporting late payments to the Credit Bureaus. Most recently and just as alarming is the bill I received in the mail from  Rushmore Loan Management Services  is for a monthly payment of {$2500.00} due   XXXX   XXXX   XXXX  . When I signed off on the modification documents the payments went from {$770.00} in the modification trial period to {$750.00}. Even with the payment of {$750.00}, I have continued to pay {$770.00} per month to help lower the principal balance due on the mortgage. I have read numerous reviews how  Rushmore  continues to place further hardship on their customers under the foreclosure process. I felt by seeking legal counsel I could possibly be devoid of their stressful hindering tactics. It has been a total nightmare from the mediation with both counsel 's ( mine and  Rushmore  's ) to the insurance incident when I had to call the police and file a report on their insurance person who came out to assess the leaking roo f )  horrible informed my neighbors and called them constantly informing them of my mortgage status which was extremely embarrassing. I was told by a representative of Rushmore, they do n't take it lightly when you get attorney 's involved and tried to get me to get rid of my legal representation. In the final documents Rushmore 's Counsel had placed a clause stating I would not be able to seek counsel after finalizing the documents. I desperately need your help. This process has been extremely costly and painful to say the least. I was referred to your office through Senator  XXXX    XXXX   XXXX   office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
I fell behind on Payment in   XX/XX/XXXX   do to an injury to my shoulder. I called ocwen weekly. They said there 's nothing they can do to assist me.   I applied for  3 l oan modifications every time I was denied. I make {$30.00} an hour and able to make the payment with one paycheck. So it all started  with litton loan in    XX/XX/XXXX   at some point ocwen took over all the bad loans. Please help me save my house.  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Associated Credit Services, Inc.
State: MA

Complaint narrative:
On   XX/XX/XXXX   I called the  company   XXXX   XXXX   to cancel my account becouse I was moving out of   that address and when I asked about the remaining balance the costumer representative said that was no debt on that account on that moment but if any balance appears in the future they would sent me a billl on my knew address. Nothing came on my new address and on  XX/XX/XXXX  a founded a derogatory mark on my spotless credit. Called the collect agenc y ( a ssociates credit agency  ) ask tham what happen and they said letters was sent to my new address and returned by post office and they had to report the credit agency once they could not find me. I question tham way they did not called me and they sad   XXXX   XXXX   did  not informe tham my phone number. Payed the collection agent in full on   XXXX   the debt of aproximedly U {$150.00} and they said they could not remove the derogatory mark of my  credit enven knowing that was n't my fault. I felt wronged for   XXXX   XXXX   because all of this situation was n't my fault.  Thank you Sent from my  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
My Aunt passed away  XX/XX/XXXX  . I  am co-heir to her estate. She had a reverse Mortgage on her home with Champion Mortgage.   I sent them a letter of intent that I wanted to keep the home in the family. They approved the request. But they gave me 2 deadlines :    XX/XX/XXXX    and    XX/XX/XXXX   . By    XX/XX/XXXX    the wanted a listing agreement or a mortgage approval letter from me. I sent them the appraisal and a letter explaining that the co-heir and I lived    XXXX    miles apart. We had just gotten this appraisal done as the appraisal company had a 30 day backlog. They denied the   XX/XX/XXXX   correspondence approval and said they were going to start foreclosure very soon. We have 6 months by Federal law to get to this point. It has been less than 3 months. The co-heir wants to quickly sell the place because she is afraid they will foreclose. I need the full 6 month time to gather my assets to provide the approval letter to buy the place. I need help with Champion Mortgage  Company  to give us the time allowed by law in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Last   XX/XX/XXXX  / XX/XX/XXXX , I logged on to my husband ' s Amazon account. I applied for an Amazon Credit Card through Chase Bank. I set up the payment method on the Amazon account to the new Chase Card. This  replaced my husband 's    XXXX   XXXX   XXXX   XXXX   as the default payment method. My husband did not realize that I   had done this.   While working out of town my husband ordered items on his  Amazon account. The items ordered were charged to my Chase Card because it was selected as the default payment. When I received my Chase statement, I saw the charges and determined that I did not order them. I then called and disputed th ese charges in  XX/XX/XXXX . After the charges were disputed my husband s Amazon a ccount was suspended until the charges were paid. After we sorted this out, my husband paid for all of the items that were disputed with his   XXXX   XXXX   XXXX   which was on file wi th Amazon. His account was restored. Chase di  d not ask for any proof the charges were paid or by what method. It took two phone cal ls and writing a letter to them to get them to dispute the charges. I do n't believe this was done until  XX/XX/XXXX  time frame.

Company response to consumer: Closed with explanation