vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Consumers Inc
State: VA

Complaint narrative:
Recently I received a notice from   XXXX   XXXX   that a new item had appeared on my credit report. When I checked, it listed an account wi th United Consumers ( acc t. #  XXXX   ). I contacted United  Consumers and spoke to  XXXX   XXXX  who told me it was a charge of {$180.00} due to  XXXX   XXXX   XXXX . She said that it was for natural gas charges owed on a previous address. I told her that I had my gas with   XXXX   XXXX   XXXX  and that when I moved, all charges were paid and my deposit was returned because all charges were paid. She explained to me that  XXXX   XXXX   XXXX  provides natural gas to   XXXX   XXXX   XXXX , and that even though they were always charged on  one bill, upo n termination the bills were separated. I never received a bill from  XXXX   XXXX   XXXX , or I would have taken care of it at the time. I asked  XXXX   XXXX  why I had not been contacted and she said they had sent a letter to my old address and had " assumed '' that it had been forwarded. I told her that I was willing to pay, even though there was no proof offered that I owed the debt, as long as it could be pulled from my credit report. She said that they are not able to pull information from my credit report that  XXXX   XXXX   XXXX  are the only ones that can do that.   I then contacted  XXXX   XXXX   XXXX   XXXX   to discuss this ( original acct #  XXXX   ). I  spoke with  XXXX  and explained the whole situation. She seemed sympathetic but said that this would have to be handled by the " back office ''. I asked her if there was anyone I could talk to and she told me that I could only send my complaint to the back office via  XXXX  XXXX  XXXX . I sent them an email with my concerns and request on  XXXX / XXXX /  XXXX  . I have yet to be contacted by anyone regarding my request. I have since looked to find any office information where I can handle this in person, but  XXXX   XXXX   XXXX  has no public offices listed. It is very difficult to take care of an issue when the only possible way of dealing with it is to contact ( via faceless email ) some so-called back office.   I am not trying to get out of paying a legitimate debt, but I was not properly notified and given an opportunity to take action. I am willing to pay what I owe, but due to the circumstances believe that it should be pulled from 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 2017-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: FL

Complaint narrative:
Hello, we purchased a home in Florida  XXXX / XXXX / XXXX . We got a conventional mortgage with  Prime Lending. We had our current home ( at the time ) for sale and planned on paying off the Prime Lending  mortgage when the current home ( at the time ) sold. We did n't want to put 20 % down so as not to drain our saving if the home for sale did n't sell quickly. So, Prime Lending required us to have Property Mortgage Insurance  (  BP PMI ) - they suggested Single Premium Borrower paid Mortgage  Insurance  and never mentioned it was the non-refundable option. So, we paid over {$3100.00} at closing for this  one time  premium. Our PMI disclosure that we signed shows a refund  may be  possible. In  XXXX  our home sold. In  XXXX  we paid off our  Prime Lending mortgage but Prime  had already sold the note to  XXXX   XXXX . So, since our loan was paid off we wanted a pro-rated refund of our  one t ime PMI payment. I talked to  XXXX   XXXX  and they said it 's not refundable -  Prime  says they sold it so their hands are washed. If I understand it correctly, a refund is possible if the mortgage is paid off according to the  1998 Home Owners p rotection act. The insurance company was  XXXX  and even on their webpage it shows 'Non-Refundable ' BPMI is refundable under th e 1998 Act.   Can you help - am I understanding the ACT incorrectly?     Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
OCWEN LOAN SERVIC  E,   XXXX   XXXX   XXXX  FL.   Paid {$2000.00} from  XXXX  to  XXXX   XXXX  for  Ocwen 3  month payment pla n Agreement   XXXX / XXXX / XXXX  paper signed for payment plan. late  XXXX  another paper was signed to accept  Modify was ap prove by  Ocwen Loan  service. paid by ACH wire on  XXXX .      Ocwen Loan Service .  XXXX   XXXX  letter saying your in default and modify not approve.   increase payment from {$500.00} to higher amount. This has been going on Since  XXXX  to  XXXX  payment plan is not working they are wrongfully taken my funds. I have file many complaints On wh ole two y ears of payments not posted, mail copy sent copy in  XXXX , this still not fix by  Ocwen..Statements  WAS mail  8 time in las t 5 years to fix.     My New home in  XXXX  was bought  1st  home b y  XXXX   XXXX   th is for Year , then transfer t o Homecoming,    GMA  C, Ocwen t ook over  XXXX . No w Ocwen r eported to agency that  Ocwen m y loan since  XXXX   XXXX  Which  is false Agenc y said it was reported by GMAC person ..I wanted  my funds b ack if OCWEN is not modify m y loan.     THIS OCWEN PROBLEM HAS BEEN GOING ON NOW FOR 6 YEARS. OF FALSE INFO B Y OCWEN LOAN SERVICES. NOT APPLYING PAYMENT, CHARGING FOR SENDING SOMEONE TAKE PICTURE OF HO USE FOR  XXXX  TO  XXXX , MISAPPLY PAYMENT FOR YEAR AND HALF. MY ACCOUNT STILL NOT FIX. WITH THE CORRECT AMOUNTS : AFTER SENDING STATEMENT  XXXX  TO  XXXX .      Ocwen  Email :  XXXX   XXXX ,  XXXX  Loan Number :  XXXX  Property Address :  XXXX   XXXX   XXXX    XXXX    XXXX , GA  XXXX  Dear  XXXX   XXXX  :  OCWEN receiv ed a payment on  XXXX / XXXX / XXXX  for the amount of {$500.00}.   Sincerely, OCWEN  XXXX .  XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  ( Do not send correspondence or payments to the above address. ) Dear  XXXX , We have noted the account with the information you have provided. The Home Affordable Modification Prog ram ( HAMP ) Strea mline third trial payment was received on  XXXX   XXXX ,  XXXX  and the trial modification plan is now complete. Please allow time for us to finalize the modification.     With regards to your concern about the Tax disbursements and the transaction history, we apologize for any inconvenience this matter  may h ave caused. We will send you a copy of the payment history and you should receive it by email within  three d ays.     To formally dispute your transaction his tory with Ocwen, plea se send a written request along with any supporting documents t o our Research Departm ent.The fax number for o ur Research D epartment is  XXXX   XXXX   XXXX   XXXX . You can also send your correspondence by mail to the following a ddress : Ocwen Loan Servicing, LLC  Attention :  Research Departmen t  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: GA

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   in  XXXX .  XXXX   XXXX   XXXX   XXXX , SD  XXXX  made unauthorized payment on my account on  XXXX   XXXX   XXXX  when I called in they tried to blame me for making the authorization while i did not even initiate anything. on   XXXX   XXXX   XXXX   they send me an email asking to pay a minimum amount of  XXXX . This company is making fraudulent transaction and authorization without the knowledge of their customers to ruin their credit history.   Although, my account is a roll over account showing that minimum payment of  XXXX  is due every month.

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 2017-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I submitted a dispute to Equifax on  XXXX   XXXX ,  2017    to have an incorrect and unverified bankruptcy that is on my credit report removed. I have disputed this inaccurate information that is on my Equifax credit report time and time again. It can not be verified, it is not my account and is inaccurate. It is now pass the 30 day mark for investigation disputes and pass 45 days. I demand that Equifax remove this record from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Spoke with Transunion representative  XXXX  for my case file #  XXXX  and she did not assist me in removing Inquiries that I have not place on my credit file :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 2017-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: SC

Complaint narrative:
Sen t all  XXXX  cre dit bureaus to validate accounts over the last month and no action taken. Contacted the company in writing in  XXXX     2017  no action taken. They just sent a bill with my name on it. Never had an account with this company at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
XXXX / XXXX / XXXX  Tax Bill  1 D isbursement Payments - escrow behind  XXXX  {$5200.00} after payment Escrow was setup based off  XXXX  Tax Bill - ~ $  XXXX   County School t ax is  XXXX  per {$1000.00}  ( no  recent change in rate ) Escrow is behind due to lack of setting up proper escrow. Mortgage rate increased from {$1200.00} / month to $  XXXX  month This increase is for a year to catch up escrow Afterwards it will be set at {$1500.00} / month Attempting to work with lender to resolve the situation, at this time not getting much assistance in resolving the issue.     In risk of loosing house due to mortgage rate increase to cover for escrow mistake. It appears that poor practice of blindly setting up escrow based off previous year 's taxes instead of calculating proper tax rate is the source of problem. I, as the consumer, is left trying to resolve and fix the problem that others created.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 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: FL

Complaint narrative:
I have submitted a complaint with the CFPB on  X/X/17    #  XXXX . It should have taken 15 days for the company to respond. It has been over a week from the last day it should have taken them to respond. I thought that the CFPB is here to help us, so I am writing this complaint under the assumption that Experian has no regard for the CFPB and will continue to violate the rules and regulations of the FCRA, FDCPA and the guidelines which the CFPB has set forth.     Since there has been no response, I can therefore declare that the information included in complaint #  XXXX  is FALSELY reported due to the lack of a response. I demand that the contents of the complaint be removed immediately or I will be forced to file a lawsuit for each item listed in the complaint at {$1000.00} per item not addressed. My attorney and I are ready to file a suit unless these items are removed from my 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 non-monetary relief
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: SC

Complaint narrative:
Contacted this company via phone and they transferred me to several different departments and stated that they could not locate me in there system. Asked each  one to send me a letter stating I do not have and account with them  and they refused stating that it was illegal. I informed them that it was illegal to put an account on my report that did not belong to me as well if they do not have any validation. This company has not send me anything in writing or email or via phone. All my information my name telephone number and email was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: DC

Complaint narrative:
I submitted a complaint  ( Case nu mber :  XXXX  ) regarding non-payment of property taxes from escrow account. AmeriHome responded and said they had paid taxes. They paid taxes to parcel #  XXXX  which is the WRONG parcel # AGAIN. I had sent copies of tax bill clearly stating that the parcel # was  XXXX . I want the taxes paid and acknowledge their mistake. Taxes must be paid by Friday

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 2017-04-25 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: CT

Complaint narrative:
I canceled my  XXXX  cellular service in  XXXX   XXXX .  XXXX  in  XXXX   XXXX  sent me a bill that was not correct for my last month of service. I did not ignore the bill. I contacted  XXXX  and they confirmed that the bill was not correct. I have the online chat transcript from  XXXX  confirming their bill is incorrect, which I will attach to this complaint. Instead of correcting the bill  XXXX  sent it to bill collection company called  XXXX   XXXX   XXXX   XXXX . I became aware of this in  XXXX  of  XXXX . I initiated a dispute with all  XXXX  credit reporting companies and they deleted it from my report, including Equifax. I have attached the  XXXX   XXXX  dispute response from Equifax.  XXXX  then sent the bill to another collection agency  XXXX ,  XXXX  who placed it on at least  XXXX  credit reporting companies  XXXX   &  Equifax. I became aware of this in  XXXX  of  XXXX  and again disputed the action and  XXXX  deleted it from my credit file. However, Equifax has taken the position that the bill is accurate. They have done this based solely on the fact the  XXXX ,  XXXX  has reported back to them that they believe the bill is correct because the vendor  XXXX  now claims the bill is accurate. I have attached the correspondence from Equifax on the latest dispute. Equifax has done this even though I have provided them evidence from  XXXX  that the bill is not correct. I no longer know how to defend myself against Equifax and  XXXX ,  XXXX  who insist to ignore the evidence provided directly from the vendor  XXXX  that a incorrect bill is correct. This has been a tremendous amount of work. It has had a negative impact on my credit rating of  XXXX  points and is causing problems with my business activities. I respectfully request that you assist me in getting Equifax to properly report my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I leased a vehicle from   XXXX   XXXX   hyundai in  XXXX  of   XXXX   on or shortly after the  XX/XX/XXXX . I began having financial troubles with this lease and contacted them to see if I could get a later due date other than the  XX/XX/XXXX . They ( Hyundai motor finance ) suggested going back to the dealership and ask if they can draft another contract that reflect a later date and would go forward from there. After numerous payments in excess of monthly amount ( that I did not get a copy of ) {$570.00} is what I 'm told is my payment on the ( hyundai motor finance  App )  both copies of the lease that I have indicate different amounts. attached are numerous pictures of contracts due to the size of the forms and screen shots from the hyundai app.In essence the lease was told to me that changing the date is not likely and if it was the amount would be prorated indicating that I would have to pay more than already paid.Also paying for a maintenance contract ( was n't given  ) {$1500.00} and a service contract ( was n't given ) {$250 0.00} that i had a discussion with  XXXX   XXXX  after recieving her email regarding lease vehicle mileage. we spoke about the differences in lease contracts mentioned earlier and made copies that she was submitting to the general manager of  XXXX  hyundai who took over from  XXXX   XXXX  and lastly just yesterday service was told that the oil change was not covered with being told by finance rep  XXXX   XXXX  that I was only covered for  24,000  miles  ( n o contract given to reflect this information ) i.e servicecontract or maintenance contract. please feel at liberty to contact me for further information upon review of this compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 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: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX   XXXX   debt and mortgage showing on my   XXXX   all  XXXX  matter fact i 've never bought a mortgage and   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 2017-04-25 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: Nelnet, Inc.
State: NY

Complaint narrative:
As a continuation of my complaint (  XXXX  ), I was unable to dispute  Nelnet 's respo nse because both CFPB  and Nelnet 's web sites were being upgraded this weekend. Following my initial complain t, Nelnet offered me a Revised Repayment Plan, which they had never previously offered or m entioned to the amount of $  XXXX . That is still a payment that is too high for me. My wife and I file taxes jointly, which seems to greatly effect my income-based repayment plan. She has her own student loan balance of $  XXXX  to pay  ( which I sent proof of with my required income-based repayment plan ). The re p on the phone assured me that if I sent proof of her student loan responsibility that would greatly decrease my income-based payment. That did not happen. After proving my wife 's income, having her own loan balance, a child, and a house, not enough came off of my monthly payment to actually make it continuously payable.     This is a predatory and truth withholding industry that will crash like the housing market did. I get the sense that they know this and are trying to make as much money as possible before their ultimate demise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 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: STERLING JEWELERS, INC.
State: TX

Complaint narrative:
XXXX   XXXX   debt and mortgage showing on my   XXXX   all  XXXX  matter fact i 've never bought a mortgage and  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-25 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 — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
navy fe deral allowed my account to be compromised TWICE!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 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: TN

Complaint narrative:
I mailed a Multipl e Inquiry R emoval Letter by certified mail and the dispute was open on  XXXX   XXXX ,   XXXX  . I dispute d 1 inq uiry that were being reported inaccurately on my Transunion Credit Report. The dispute was open on  XXXX   XXXX ,   XXXX   and completed on  XXXX   XXXX ,   XXXX  . The request I submitted conta ined 1 hard inq uiry that was not factual and I received the response for the inquiry that read Inquiries listed on your credit report are a record of the companies that obtained your credit information. I am trying to see how a company was allowed to access my credit report without my permission. According to the FCRA rule s, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ),  it states that any information can be disputed and MUST be investigated. If you do not investigate AND respond, the CRA MUST DELETE the disputed information on file. The fact that a response was generated in 3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I am submitting this complaint due to the lack of investigation into my original dispute for a hard inquiry that does not belong to me. I did not sign for anything. The inquiry does not belong to me. This is unfair practices by a credit reporting agency ( Transunion ) with no concern for the credit worthiness of a consumer.

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