vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
The aforementioned credit agency representing  XXXX  has violated the FCRA by not providing documents to me in regards to this debt I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from all my credit files :   XXXX   XXXX   XXXX   XXXX  . The business is  required to disclose to me all the documents that they have recorded and retained in their files that pertain to this debt. If Credit Control Services does not have any documentation, they need to remove this from  my credit file immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
Account number XXXX Name : XXXX XXXX  Address:XXXX XXXX XXXX XXXX, SSN : XXXX To whom it may concern : I am hoping you can assist me with an issue that I am having. I received a modification in XXXX. After the modification I 've been paying on time and received a notice from Ocwen stating that due to my good standing I was eligible for and incentive of {$5000.00}. I completed the necessary paperwork and faxed it into Ocwen and contacted Ocwen to confirm receipt of the fax. When it was time for my incentive to be paid I followed up with Ocwen on several occasions to find out when I could expect the {$5000.00} to be credited to my account. I was told that when the government sent them the funds it would be applied to my account. I asked several escalation managers to look into when I can expect my refund and was told that Ocwen had not received the incentive from the government yet.
<P/>
In XX/XX/XXXX I received a letter from Ocwen stating that they were transferring my loan to XXXX XXXX XXXX inXX/XX/XXXX. Immediately contacted Ocwen to find out how this would affect my incentive I was told that when the government sends the incentive Ocwen would transfer it to my new mortgage servicer or the government may send the money directly to the new servicer.
<P/>
I started following up with the new servicer regarding the Hamp incentive only to be told that Ocwen had not received my Dodd Frank Certificaiton therefore i was not receiving the {$5000.00}. This completely baffled me because all the times that i called Ocwen i was never told that they had not received the Dodd Frank Certification ( and remember I called Ocwen to confirm receipt of the fax when i faxed the doc ). My husband is a military veteran and neither of us have ever committed a crime therefore we have no reason to not submit the Dodd Frank Certificate. It seems to me that Ocwen dropped the ball all the times I contacted them to find out when i could expect my incentive I was never Informed that they did not receive the Dodd Frank Certificate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XX/XX/XXXX  debit icon   XXXX   XXXX     XXXX   XXXX  Va    XXXX   XXXX     XXXX    {$11.00} XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX    XXXX  Va  XXXX  {$4.00}  XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX     XXXX    Va   XXXX   XXXX   XXXX   {$14.00}  XX/XX/XXXX  debit i con    XXXX   XXXX   XXXX     XXXX , Va Us  XXXX  {$10.00}  XX/XX/XXXX  atm icon *  XXXX     XXXX , Va Us ATM Withdrawal {$260.00}  XX/XX/XXXX  atm icon  XXXX   XXXX , Va Us ATM Withdrawal {$260.00}  XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  {$3.00}  XX/XX/XXXX  atm icon   XXXX   ATM Withdrawal {$100.00} XX/XX/XXXX  atm icon   XXXX   ATM Withdrawal {$83.00}  XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   {$4.00}  XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   {$3.00}  XX/XX/XXXX  atm icon   XXXX   XXXX   XXXX   XXXX    XXXX , Va Us ATM Withdrawal {$83.00}  XX/XX/XXXX  atm icon   XXXX   ATM Withdrawal {$300.00}  XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX   XXXX   {$16.00}  XX/XX/XXXX  atm icon  XXXX  ATM Withdrawal {$83.00}  XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX    XXXX  Va   XXXX   XXXX   XXXX   {$2.00} XX/XX/XXXX atm icon   XXXX   ATM Withdrawal {$160.00}  XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX   XXXX   XXXX   , Md   XXXX   XXXX   XXXX   {$14.00}  XX/XX/XXXX  atm icon * XXXX   XXXX , Va Us ATM Withdrawal  XX/XX/XXXX  Branch Banking And Tru  XXXX , Va U ATM Withdrawal {$200.00}  XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   {$1.00}  XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX     XXXX   XXXX   , Va   XXXX   XXXX   XXXX   XXXX   {$8.00} XX/XX/XXXX debit icon   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   {$1.00} XX/XX/XXXX atm icon @   XXXX   XXXX   #  XXXX , Va Us ATM Withdrawal {$120.00}  XX/XX/XXXX  atm icon @   XXXX   XXXX   #  XXXX , Va Us ATM Withdrawal {$100.00}  XX/XX/XXXX  atm icon  XXXX  ATM Withdrawal {$160.00}  XX/XX/XXXX debit icon   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   {$1.00}  XX/XX/XXXX atm icon   XXXX   XXXX   XXXX    XXXX , Va Us ATM Withdrawal {$82.00}  XX/XX/XXXX atm icon @   XXXX   XXXX   XXXX  , Va Us ATM Withdrawal {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
My  XX/XX/XXXX  mortgage payment was returned. Ditech has not modified my mortgage and l have paid my taxes each year and home owners insurance. they tried to pay my taxes and the money was returned by the county as an overpayment. several years ago, they started to t escrow my account and l explained to them that my mortgage was never modified but they issist l paid my taxes late which is false.,., we accually paid on the same due date. they have continued to bill me for escrow amounts while i have paid my mortgage and taxes on time. Now they want to stop accepting my mortgage payments and forclose on my home by not accepting and cashing and returning my checks. My taxes are paid in full for  XXXX  and my mortgage was current until they returned my May ck in the amount of {$1900.00}. They ruined my credit by posting escrow fees as late payments on my credit reports which makes me unable to refinance at this time. i am   XXXX   XXXX   XXXX    and work 2 hrs a day for a   XXXX   XXXX  . i pay my mortgage and taxes on time. and now they are trying to foreclose or get me to pay escrow amounts per month in addition to my monthly mortgage. my income varies per month and escrow fees are too much per month. i have explained this to them and they are now trying this to get me to pay up. i will have my tax dollars this l fall when they are due and will pay them on time as usuall. Not sure how to proceed since l just sent my  XXXX  Mortgage payment yesterday. .or if i should re submit my  XXXX  mortgage check that they returned to avoid forcloseure.In addition the dollar amounts they are trying to collect in escrow are incorrect ... .they are not including tax payments or insurance payments made over the tears. my account need to be audited.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citi Card has misled us with a 0 % APR offer on a card that we already had, but were using when we accepted this offer. <P/>They forced us to have a NEW card sent for an offer that  started on XXXX XXXX 2016. <P/>They did not tell us what was our " pre XXXX XXXX 2016 " balance so that we could pay off the entire balance as we usually do. We had to guess. And we overpaid that transfer amount. Also, we asked for help through their online portal to an agent, who thought we were asking something else, and did not answer my question. They tricked me through false or misleading advertising claims. <P/>They fees & trailing fees are fraudulent and I have asked them twice to refund them and even when I had a credit balance from over paying to avoid their mistake, they justified charging fees. <P/>Second, we have a problem with a 2nd Citi card about the same time. They do not reduce your amount " due in full '' when you have a suspicious charge under investigation inquiry. So, I cancelled a payment and then set up the same payment for the correct amount. They charged me a late fee of {$25.00} for doing this and also charged me interest until I was paid and no longer using their cards! We have paid off all of our balances to {$0.00} and have a really goo FICO score around XXXX. <P/>For CFPB 's convenience I have attached the 2 recent letters that I sent to Citi Card. They wrote us back yesterday saying that they were justified, but they are not. That is the reason for my complaint!

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 monetary relief
Consumer complaint received 2017-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I called to get m y Citi Aadvantage card changed to another Citi card. It was very hard to get a human being on the phone so I asked for the cancellation line.  Representative was very unhelpful and rude so I hung up with the intention to call back and speak to someone else. She then closed my account without confirming with me that is what I wanted or reading any disclosures to me. I asked to have account reopened and was told no.

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 2017-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX/ XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Md XXXX My brother was killed ( XXXX ) in XXXX last year on XXXX XXXX. 81 days later my father passed away from a XXXX XXXX/XXXX  of losing my XXXX XXXX XXXX XXXX XXXX age XXXX years old. The Army is currently XXXX me under lone survivor to take care of my family deaths. <P/> Nation Star Mortgage Company is the loan # XXXX. They are not recognizing that I am a service member of the XXXX XXXX. I have been denied loan modification and they are proceeding in foreclosure. I wish to stay in the home, I have no where to go. Nation Star mortgage has had home inspector come to resident and I have been harassed numerous occasion. Their home inspectors have pulled in my driveway and yelled pay your " XXXX Mortgage ''. They do n't know the circumstances and the home inspector when I came out into the driveway he reached in his car and got a bat. I told him to leave and called police. Their home inspectors keep pulling in the driveway taking pictures and speeding off. I followed numerous inspectors and told them to stop stalking my house and sitting in front taking pictures for 10-mins. My wife has recently purchased a firearm because of the harassment. Nation Star said their house inspectors, the gentlemen who approached my wife on the property said he was with the bank. I suffer from XXXX I served XXXX XXXX XXXX in XXXX XXXX, XXXX, XXXX and XXXX I have contacted MD sheriff XXXX and he said they are n't allowed to do all this. Sheriff XXXX said their breaking the law for even putting the house in foreclosure status. If they come on your property again we will arrest them for trespassing and advised me not to discharge my firearm unless they try to come in the property. I currently had friend a XXXX Police officer XXXX XXXX XXXX staying with me at the residence to make sure nothing happens anymore. <P/><P/> Regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: TX

Complaint narrative:
In XX/XX/XXXX I joined a school called XXXX XXXX XXXX and I took a private loan out for the amount of $ XXXX. Before I could finish the program XXXX XXXX XXXX went bankrupt. XXXX XXXX XXXX ( my loan provider and the preferred choice loan for XXXX XXXX XXXX ) went to court in Nevada. The Nevada courts decided that neither one of those two companies were at fault for their fraudulent actions and did n't protect us little people by protecting us against XXXX XXXX XXXX. So basically since I did n't complete the program that was suppose to give me a career, I did n't pay back the loan. I could n't afford to pay {$1400.00} a month on a loan for a certificates I never was able to get and for a job I was never able to get. I should n't be held down by these companies who for some reason have no heart for we the small folks. I did n't pay on these loans and never will ... XXXX XXXX XXXX XXXX dropped off my credit back in XX/XX/XXXX. I lived with bad credit for many years. I have since repaired my credit and had it in the low to mid XXXX 's. On XX/XX/XXXX this year a company called XXXX XXXX XXXX picked up or bought my old out of date student loans and turned it over to a collection agency called Professional Bureau of Collections. PBC has put these old private student loan debts back on my credit by saying it is new and they are also saying I paid on the loan in XX/XX/XXXX which is a lie. I called PBC and told them what they are doing is illegal by saying my old debt is new and the debt had a payment in XX/XX/XXXX. I called XXXX XXXX XXXX but they will not return my calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DHI Mortgage Company
State: MN

Complaint narrative:
My wife and I are interested in buying a newly built home. The builde r is    XXXX   XXXX  .   XXXX   XXXX   will give you a {$5000.00} discount in closing costs, but only if you us e DHI Mortga ge even though they have A BUILDERS INCENTIVE AND CONCESSION ADDENDUM that states you can use any other settlement services provider . DHI Mortg age 's Interest rate is .50 % HIGHER than what I can get from a competing lender.   XXXX   XXXX   will not honor the {$5000.00} discount if we use another lender. The lower interest rate offered by the other lender will save us over {$31000.00} over the life of the loan.   This appears to be a " steering '' practice by the builder. I thought steering was  Illegal?  Now we stand to loose the {$5000.00} discount offered by the builder. Builders should not be allowed to penalize the consumer by simply choosing another lender that is not affiliate d with    XXXX   XXXX  . Why is builders sales rep allowed to stiff arm, steer, and guilt us into using their own lender. This must be stopped!! Any feedback would be greatly appreciated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Immediate Credit Recovery
State: GA

Complaint narrative:
The aforementioned credit agency representing United States  XXXX   XXXX   XXXX  has violated the FCRA by not providing documents to me in regards to this debt I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from all my credit files :  XXXX ,  XXXX , and  XXXX . The business is required to disclose to me all the documents that they have recorded and retained in their files that pertain to this debt. If Immediate Credit Recovery  Inc  does not have any documentation, they need to remove this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
I received a letter from XXXX XXXX on or about XX/XX/XXXX. They offered me a " reduced balance opportunity '' for a XXXX  debt. However I contacted XXXX and I do not nor have I have ever had a debt owed to them. I called the number listed on the letter and it just disconnects after being placed on hold. <P/>The date of the letter is XXXX17 The sender is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX, WA XXXX 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 2017-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I refinanced a loan and are waiting for a refund of our impound account from Loancare/ XXXX . We paid our property taxes of {$3600.00} during the closing of our refinance on  XXXX / XXXX /   17. We were told that Loancare receiv ed the refund on  XXXX / XXXX / 17 .  <P/> We received a portion of our impound account on time however we are missing the {$3600.00}, the same amount we paid for our real estat  e taxes in closing.
Made numerous calls and sent emails to Loancare with   no help or results.

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 2017-06-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I became a victim of identity theft in  XX/XX/XXXX    when I received emails stating phones charged to my plan, credit cards maxed out, loans applied for. I immediately called all creditors, filed a police report and submitted information through the Federal Trade Commission  one  of which was the Victoria Secret Card financed through Comenity Bank. I informed them that my information online had been changed based upon fraud and all charges were fraudulent and submitted letter through FTC to them with their affidavits. They took care of the charges and removed from my bureau. I have not lost or had any cards stolen or identifications stolen that I know of and can account for all cards for this company which I have forwarded copies to them. The problem is they consistently allowed these fraudsters to enter into their stores and continue to use my social security number for account look up so that fraudulent purchases could be made . ( FIVE T IMES to be EXACT ) I gave passwords, they overrode them and allow these crooks to have access, they allowed updates online to where phone numbers and email addresses were changed time after time. The last and final straw for me was when they stated they did not know how to protect my account and I should just close all of them. Really? Well, at least I thought that would be the final straw BUT they allowed these crooks to do it again and this time sent me a letter stating there was no basis for my claim and I must pay the fraudulent charges. REALLY? NOT! I immediately called and they stated they needed a copy of my identification, what about the other five claims filed with the same information send time after time. Why send a letter accusing the victim of these charges when it is heavily notated and communicated that my identity has been STOLEN? Nevertheless, I send another copy of front and back of my identification and other documentation certified mail this time on  XX/XX/XXXX  they showed received on  XXXX  but I had to call today and was told that they are backlogged but they will have the information sent to the  investigator  and she will call me on Monday  XXXX . I will be waiting while fraudulent charges consume my credit report and a email reflecting I owe on  XX/XX/XXXX  is in my inbox. I will wait for an apology, a clearance of ALL fraudulent charges by phone call and written letter. Also, they have closed my account which I have had for almost 10 years if not  10.  Is this an inside job at the store and/or the company. Why was access bypass to allow continuous FRAUD. if  one investigator  from the last case stated he just do n't know. I want this cleared up immediately. The current case number is  XXXX . Sincerely,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 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: MD

Complaint narrative:
I disputed via online about an account from   XXXX   XXXX   that I did not recognize  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX . They ( Equifa x )  responded quickly saying that the account has been verified. I called and spoke with  two reps.  When I got to the gentleman that was the supervisor he told me that they did not do investigations if the creditor comes back and says that it is mine. I told him that is not how an investigation is supposed to work he told me that is how it works at Equifax. He told me I am welcome to dispute it again but it will just be verified. I have tried to verify directly with   XXXX   XXXX   and ask for proper verification. I have not gotten proper verification from them either. I do not understand how no one has properly verified this debt but they are verifying the information with each other. I am requesting that Equifax remove this collection because a proper investigation was not done and this debt is not verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: GA

Complaint narrative:
On XXXX XXXX 2016 I saw a company calling themselves Enhanced Recovery Company come up on my credit report. They say I owe them {$420.00}. I received a phone call from them asking me if I wanted to pay to delete this off of my report. I told them this was not my debt. It 's been a year and it is still on my report messing up my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation