vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
1. I have been going back and forth with my mortgage company ( PHH Mortgage ) regarding a loan modification. 
2. PHH have said I did not pay XX/XX/2019 and XX/XX/2019 mortgage payments. 
3. They did not listen to the phone recorded conversation with XXXX XXXX XXXX about being able to send in the loan payment if I received the approved loan form after the due date. 

4. PHH claimed they made a phone call to me on XX/XX/2019 regarding the loan modification and they did NOT! 

5. Currently, due to the coronavirus, I was told today that I may be  laid off of work until things pick back up. 

I faxed them a copy of my bank statements on XX/XX/2019 showing proof of payment along with the loan modification application, income documents and debts. 

Due to months of going back and forth, so much time has passed that PHH is not considering me for a loan modification.

If PHH would have reviewed the loan modification documents I sent in they would have seen those payments they claimed were missed were paid. 

If they would listen to the recorded phone conversation between XXXX and myself they would heard that I asked if I would be able to submit the payment after the due date since the form was sent to me late. 

Payments from XXXX until present were not made due to PHH was not accepting payments from me for the loan modificatio. This is no fault of mine for PHH mortgage not to accept my payments that has now caused me to be at a negative NPV for all the months that has passed. PHH is the caused of me being at a negative NPV for not accepting my payments towards the loan modification that I was approved for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: AR

Complaint narrative:
I went to help my daughter get a apartment, while I was there I was informed by management that I could not get her a apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX {$4600.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXXXXXX {$0.00}

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 2020-03-23 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: AR

Complaint narrative:
I went to help my daughter get a apartment, while I was there I was informed by management that I could not get her a apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX {$4600.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

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 2020-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
Ref : XXXX Disputed XXXX Account Proof of being with XXXX I have proof that I was with XXXX at the time that XXXX is claiming I owe them {$170.00}. Originally 'XXXX  XXXX  ' chased me for this money and then I received this email from them : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX <XXXX> XX/XX/XXXX, XXXX XXXX  XXXX, Thank you for contacting us. Our system is showing this account was closed in our offices XX/XX/XXXX. If you have any further questions, please contact the original creditor. 

Thank You, XXXX XXXX Client Services Clerk | XXXX XXXX , XXXX . 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I confirmed with XXXX on the phone after this email that the debt was indeed cancelled and I need not worry any more about it. 

I have attached two documents proving that on XX/XX/XXXX, I XXXX XXXX was not with XXXX but was with another Carrier at  the disputed time. I was and am still with XXXX since XX/XX/XXXX. 

Why now is ANOTHER collection agency coming after the same amount? 
'Southwest Credit Systems ' - XXXX XXXX XXXX XXXX Texas is calling  me regularly again for the same amount and now at a time of financial crisis has reduced my credit rating, so that I am now ineligible for the Home Equity Loan that I need to keep my family 's head above water at this critical time! 

How is it possible to dispute a payment, win the dispute and then be approached a year later for the same cancelled debt? 

Many thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I applied for a personal loan today XX/XX/2020 and I was not approved due to having over 15 accounts in negative standing appearing on my credit report. I was shocked when I found out about these accounts because none of them are mine. I did not open any of those accounts and I have never allowed anyone else to open all of those accounts on my behalf. I do not have any contract or agreement with any of those companies and I have never allowed them to access my credit. I did not benefit anything from these accounts such as money, goods, services or any other benefit ; If anything, these accounts are only bringing stress and problems. I did not make any payments towards any of these accounts. I filed a police report and a complaint with the CFPB regarding all of these unauthorized accounts on my credit report.

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 2020-03-23 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: CA

Complaint narrative:
I applied for a personal loan today XX/XX/2020 and I was not approved due to having over 15 accounts in negative standing appearing on my credit report. I was shocked when I found out about these accounts because none of them are mine. I did not open any of those accounts and I have never allowed anyone else to open all of those accounts on my behalf. I do not have any contract or agreement with any of those companies and I have never allowed them to access my credit. I did not benefit anything from these accounts such as money, goods, services or any other benefit ; If anything, these accounts are only bringing stress and problems. I did not make any payments towards any of these accounts. I filed a police report and a complaint with the CFPB regarding all of these unauthorized accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Both accounts are passed the 7 year mark to be removed from my credit history. Accounts XXXX and XXXX The last payments made on these accounts were in XX/XX/XXXX. Today 's date is XX/XX/XXXX it been a full 7 years. please remove these accounts fully from my credit reports. As i have written proof from date of last payment for both of these zombie debts.

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 2020-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
My parents and I refinanced a property. We were not aware or told at the time of the mortgage signing that we would need to get Windstrom insurance. Eventually, after three letters that my father threw away, we were force-placed a policy in XX/XX/XXXX that lasted from XX/XX/XXXX to XX/XX/XXXX. This all was our fault. The problem begins here : we got our own policy put on in XXXX. While we were trying to get the mortgage company to update the policy, the insurance company cancelled a little over a month later for failing their inspection. We fixed everything and got another policy by XXXX. We got that second policy put on the mortgage and got a refund. The problem was getting the refund for the month of XXXX and XXXX. I had to call every week from XXXX through XXXX to get someone to help me. It was a nightmare because either they would promise to follow up and never would, or they would say I didn't have a refund to get. Finally after months, I got one person to listen. He followed up ( after constant emailing on my part ) and I got my money back. 

I have two other problems. One came in XXXX after we finally got them to put our insurance on the mortgage ( it took two months for them to put the policy on the mortgage ). Our payments had gone from ~ {$820.00} to ~ {$3000.00} with their force-placed plan. In XXXX they tried to auto bill me for the {$3000.00} ( their automated payments do not allow for manual adjustments, so it is on them to change the amount billed ). I told them I only had the money for the correct ~ {$820.00} payment in the account and not the $ XXXX. They told I should pay the charged amount and try to get a refund after. Absolutely not!!! They charged me a non-sufficient funds fee, which I got back after calling ( again, multiple times ). Lastly, I just got a letter in the mail saying they dont have me down as having insurance on my mortgage. I am exhausted. Of course I have insurance on it, I just bought the policy in XXXX. These people are relentless and I am so upset to be stuck with them. 

I am now trying to get hardship assistance for the coming months and I can not get through to their phone line or online application. They have drained my savings and now I fear not being able to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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 did not authorize or give consent to XXXX XXXX XXXX XXXX to pull my credit! This has affected my score tremendously and I am highly upset with all of this being done without my knowledge! Please remove this from credit report as soon as possible!

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 2020-03-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
The Single Point of Contact Department for Caliber Home Loans , Inc., located at XXXX XXXX XXXX XXXX XXXX, Ok. I applied for a modification on my loan XX/XX/2020 due to illness ( XXXX XXXX ), they denied me due to my income. I am a XXXX XXXX XXXX with my daughter, XXXX XXXX, who is a XXXX XXXX XXXX with XXXX XXXX. We do XXXX XXXX XXXX XXXX, we have a XXXX  XXXX  on the XXXX   which we should net $ 80K plus upon XXXX. I did an appeal requesting an extension until I sell the XXXX  and will be able to catch up my mortgage, approximately $ 20K, I haven't made a payment in 5 months XXXX XXXX, back on XXXX which my daughter is my Care Taker and have not had time to dedicate to XXXX  XXXX  due to helping me. Now that I am settled and doing better she is back to work. 

I filled for a Modification XX/XX/2020 and was denied due to my Income. I filed an Appeal in XX/XX/2020, they denied me again sending me the same denial letter stating not enough income. I sent them a copy of the proposed buyer contract showing the figures at Settlement. When settle I will have more than enough to catch up my mortgage and keep it up, my daughter will be helping support me. I don't think the Single Point of Contact Department Team even read my supporting material I sent. It is obvious I will have enough to catch up my mortgage and keep it current, all I am asking for is a little time so I can go to Settlement. Thanks for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX. I have an incorrect account reporting on my credit report from the company XXXX XXXX, XXXX. I sent a validation letter to XXXX XXXX which was received by them on XX/XX/2020. As of XX/XX/2020 my alleged debt to XXXX XXXX still has not been properly validated. As of XX/XX/2020 XXXX XXXX  continues to report an incorrect /unvalidated/unverified account on my credit report. To my understanding this is against federal law. Also, to my understanding XXXX XXXX XXXX had a judgement against them vs State of Texas in XXXX County TX district court for not acquiring consumer agreements and providing them per alleged debtors request. I have requested a consumer agreement and have not been provided a copy of the agreement as of XX/XX/2020. This is against my federal rights to have incorrect unverified accounts reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX. I have an incorrect account reporting on my credit report from the company XXXX XXXX, XXXX. I sent a validation letter to XXXX XXXX which was received by them on XX/XX/2020. As of XX/XX/2020 my alleged debt to XXXX XXXX still has not been properly validated. As of XX/XX/2020 XXXX XXXX  continues to report an incorrect /unvalidated/unverified account on my credit report. To my understanding this is against federal law. Also, to my understanding XXXX XXXX XXXX had a judgement against them vs State of Texas in XXXX County TX district court for not acquiring consumer agreements and providing them per alleged debtors request. I have requested a consumer agreement and have not been provided a copy of the agreement as of XX/XX/2020. This is against my federal rights to have incorrect unverified accounts reporting on my credit report.

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 2020-03-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: CO

Complaint narrative:
Hi, I was enrolled in auto debit for both my loans with Sallie Mae. I setup payments to be withdrawn on the XXXX of every month. The first auto payment for both loans was set to be auto debited on XX/XX/2020 ; however it was not. I checked the website and it said that I was enrolled. 

After that, I was charged a {$20.00} fee and approximately {$55.00} in additional interest. Furthermore, my stepdad a cosigner, was notified as if I was delinquent. 

When I called to have the fees reversed, the first agent I spoke with disconnected me after being on hold for 30 mins. The second agent seemed incapable of understanding this issue. Furthermore, she would put me on hold for 10-15 minutes to investigate an issue that I could see just by logging in. 

I repeatedly asked if she could refund the additional interest and the {$20.00} fee and she had difficulties even locating the transactions ( should be at the top of her report as they are recent ). When I expressed my lack of confidence in her ability to resolve my issue, she stated that she would transfer me to another department. During the transfer she initiated, I was disconnected again. This after being on the phone for over an hour. 

The agent 's identification number is : XXXX And while I listed just one agent ( the last one I spoke with ), both the agents I spoke with on XX/XX/2020 were incompetent. I spent approximately 1.5 hours trying to get this resolved and nothing seems to have happened. I'm sure Sallie Mae has a record of the first agent. 

The agent continually stated that the payment wasn't processed due to insufficient funds ; however, I can not only prove that I had sufficient funds on XX/XX/2020, I can also prove that no overdraft fee was charged to my account on XX/XX/2020 which would've happened had the charge been processed and I did not have sufficient funds. The system did not attempt to process the transaction. 

I would like to have all additional interest and fees associated with Sallie Mae 's failure to process my auto debit refunded. Approximately {$72.00}. 


{$20.00} fee on XX/XX/2020 ~ {$12.00} additional interest on XX/XX/2020 ~ {$40.00} additional interest on XX/XX/2020 Best, XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello, Both accounts are passed the 7 year mark to be removed from my credit history. Accounts XXXX and XXXX The last payments made on these accounts were in XX/XX/XXXX. Today 's date is XX/XX/XXXX it been a full 7 years. please remove these accounts fully from my credit reports. As i have written proof from date of last payment for both of these zombie debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Requested description of investigation results of incorrect/unverified reporting accounts on my credit report as per federal law FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

Also requested original documentation with my signature of incorrect/unverified reporting accounts as per federal law FCRA 609 ( a ) ( 1 ) ( A ). 
Request was made XX/XX/XXXX, as of XX/XX/XXXX still have not been provided a copy of requested documentation. This is against my federal rights.

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 2020-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: LA

Complaint narrative:
In XX/XX/XXXX I relocated out of the city and changed my address. After trying to purchase a home in XXXX my lender informed me there was a debt in the amount of XXXX from XXXX XXXX on my credit report. I never received notice of this bill, was not contacted by mail, phone or email of this bill. And after contacting the company and explaining I would have resolved this debt had I known about it and asking them to please remove the debt from my credit after I pay it. They explained to me that they can not remove the paid debt and that it would still report stating paid in full. It is very important to me, my fiance, my kids that this is removed because our future depends on it. But instead of this company be willing to resolve the situation they were rude, inconsiderate of the situation and explaining to me even if I did not know about the debt its still my responsibility. Can you please help resolve this situation? I have spoken with XXXX XXXX and I have also spoken with Sequium Asset ( which is the collection agency forwarded too ) and neither of them have come up with a resolution

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello, Both accounts are passed the 7 year mark to be removed from my credit history. Accounts XXXX and XXXX The last payments made on these accounts were in XX/XX/XXXX. Today 's date is XX/XX/XXXX it been a full 7 years. please remove these accounts fully from my credit reports. As i have written proof from date of last payment for both of these zombie debts.Thank you

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 2020-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
My sister XXXX XXXX applies for a car loan, and I was gon na co-sign for her. 

I ask them to only run my credit one time, but they ended up running it six times. 

This is the Infinity dealership in XXXX MD. 

I need to know how to fix this?

Company response to consumer: Closed with explanation