vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
On XX/XX/XXXX I received a phone call from a debt collector ( XXXX XXXX XXXX XXXX ). They were attempting to collect a debt for {$390.00} from XXXX XXXX XXXX. In XX/XX/XXXX I filed 2 fraud claims with XXXX XXXX XXXX. As of XX/XX/XXXX, the investigation is still in progress with the bank that the check was cashed to - Bank of America. Despite the long length of time it has taken to complete the investigation, XXXX XXXX XXXX assured me that they would not send my account into collections. However, this was clearly not the case, and it was sent to collections anyway. I am filing a complaint not only because of the false information I was given, but also the WRONG AMOUNT of the debt. XXXX is attempting to collect a debt for {$390.00}, however, the original fradulent check was cashed in the amount of {$390.00}. Despite trying to get a straight answer from both XXXX XXXX and XXXX XXXX XXXX  XXXX Department, neither one of them could explain the difference between the two amounts. I would like Bank of America to resolve their end of the issue with my fraud claims, as it has caused a huge amount of grief over the last several months. They have been working on my issue for the last 5 months with absolutely no progress updates, despite XXXX XXXX XXXX reaching out to them on a weekly basis.

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 2019-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: DC

Complaint narrative:
NOTICE OF DISPUTE OF VALIDITY OF DEBT PHH Mortgage Services XXXX XXXX XXXX Mr. XXXX, NJ XXXX XXXX XXXX, Relationship Manager XXXX RE : Loan # PHH MORTGAGE SERVICES CORPORATION C/O REGISTERED AGENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IN, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Ocwen Loan Servicing, LLC C/O Corporate Services Corporation XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, UT XXXX Consumer Protection Finance Bureau Washington, DC All : I dispute the debt. 
1. PHH mailed me a letter on XX/XX/XXXX from XXXX XXXX. XXXX XXXX has never spoken with me, replied to any of my emails, answered any contact from PHH professionals, fairly and properly considered my request for mortgage assistance or timely done so by the Fair Debt Collection Practices Act or the Equal Credit Sportily Act. I recieved the XX/XX/XXXX letter XX/XX/XXXX. 
2. Ocwen, the predecessor to PHH, promised me if I submitted a full mortgage assistance application in XX/XX/XXXX, that the mortgage amounts would be refigured for up to 24 months. 
3. Neither Ocwen or PHH have executed on the representations made by Ocwen that I have informed them of fore more than 90 days. 
4. Federal law required a Mortgage Holder to abate, forestall, and delay any foreclosure proceedings when an application for mortgage assistance is under review. 
5. On XX/XX/XXXX, PHH sent a letter to me that it would take 10-15 days to process the request that it has had since XX/XX/XXXX. By federal law, if I disagree with eh assessment, I can appeal the ruling, and by a copy of this letter to the Consumer Protection Finance Bureau,  I do so. 
6. Contrary to the PHH XX/XX/XXXX letter, PHH denied my rights to get a final ruling and authorized an attorney to procced with foreclosure at least 2 days before, when XXXX XXXX    XXXX sent me a letter on XX/XX/XXXX. 
7. The XXXX law firm outlined a deceptive, false, misleading letter calculated to frighten and discourage resolution in the XX/XX/XXXX letter that the amount of the debt of {$250.00}, XXXX. The letter doesn't speak to or actually outline the payments due to bring the account current. 
8.On XX/XX/XXXX, I received a XX/XX/XXXX letter from XXXX law firm. That letter outlined that I can pay the entire amount owed by OCGA  13-1-11 without paying attorney fees. The letter again is deficient and deceptive in that it doesn't indicate the amount owed to PHH as delinquent principal and interest. 

For these reasons, I dispute the debt and challenge the validity of the foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: GA

Complaint narrative:
TO WHOM IT MAY CONCERN, I AM A VICTIM OF IDENTITY THEFT WHERE MY PURSE WAS STOLEN. I PROOF FARS MY POLICE REPORT. I NEVER HAD TWO CARS AT THE SAME TIME AND THE NEGATIVE ITEMS IM DISPUTING IS NOT MIND THIS FRAUD. CAN YOU PLEASE HELP ; I CAN NOT MOVE TO THE NEXT LEVEL IN MY LIFE OR RECEIVE MY PROMOTION AT MY JOB WITH THE BAD CREDIT THAT I DID NOT DO.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-14 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: GA

Complaint narrative:
TO WHOM IT MAY CONCERN, I AM A VICTIM OF IDENTITY THEFT WHERE MY PURSE WAS STOLEN. I PROOF FARS MY POLICE REPORT. I NEVER HAD TWO CARS AT THE SAME TIME AND THE NEGATIVE ITEMS IM DISPUTING IS NOT MIND THIS FRAUD. CAN YOU PLEASE HELP ; I CAN NOT MOVE TO THE NEXT LEVEL IN MY LIFE OR RECEIVE MY PROMOTION AT MY JOB WITH THE BAD CREDIT THAT I DID NOT DO.

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 2019-08-14 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: GA

Complaint narrative:
XXXX XXXX pulled my credit without consent on XX/XX/2019 and XX/XX/2019. These were results of card replacements with one due to fraudulent activity.  I disputed with credit bureau with no success and XX/XX/XXXX also refuse to move stating they have the right to pull whenever per my initial agreement.

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 2019-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for a refinance of a loan on a rental property in early XX/XX/2019. I authorized Bank of America to check my credit score, which is over 800. They did the first hard hit on XXXX XXXX XXXX. They did an unauthorized hard hit on XXXX XXXX. They did a third hard hit on XXXX XXXX XXXX for reasons unknown, with no authorization, AFTER THEY DENIED THE LOAN. If they wanted to deny the loan, no problem. I was doing a refi, not trying to get a loan. But I believe they are actively trying to ruin my credit at this point in order to keep me from getting a loan anywhere else.

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 2019-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have been trying to refinance my mortgage since XXXX with chase, then chase transferred their loan to SP Servicing. since then SP servicing has played a game where every month they say they are missing documents, I provide all of them, with proof, then they wait, then they ask for documents again. This has last until now XXXX!!! I think that they did not want to refinance when the rates were quite low in XXXX and XXXX and now UI am stil having a problem. Furthermore, in XXXX, they requested for me to provide proof on insurance along with the fact that I was paying my real estate taxes. I provided them with proof of insurance along with a statement from my insurance that I was fully insured without any interruption. They acknowledged receipt of the documents but still charge me close to 10K for insurance and real estate taxes. As of today, they have not refunded my account for all this money and are continuing to charge me for insurance. 

This company is much less that honest and they should be fined a very large amount and they should not only pay me back for the money they charged me but they should pay me for interest they charged me on my mortgage. Here is their website and I hope you can help. www.spservicing.com

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On my credit report I noticed a collection. All my accounts have been paid on time. I dont know what this is about. I noted that I submitted a complained about my student loan remark Im late on the student loan but this loan is has been on forbearance it was approved by the XXXX. I noticed that my score from one of the reporting agency has lowered. I feel they are using scare tactics because they were caught making false allegations on 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 explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
A fraudulent account was opened in my name in XX/XX/2017. After claiming identity theft, XXXX and XXXX has verified this account as fraudulent. Synchrony has continued to report to XXXX which is illegal.

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 2019-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I just purchased my home on XX/XX/XXXX with XXXX XXXX XXXX and it was soon after transferred to Lakeview Loan Servicing. In my contract with XXXX   XXXX, I had a grace period of the XXXX of each month with no penalties during the grace period. Additionally, there late fee after the XXXX was not stated to be {$60.00}. However, with Lakeview Loan Servicing, there is a fee of $ XXXX- {$15.00} if payments are made during the grace period and not by the XXXX of each month. I do not believe this is acceptable. I did not ask for Lakeview to Service my loan and I find it quite deceitful and unethical to be charged during a grace period. The first time of making my mortgage payment was to Lakeview Loan servicing, which I paid on XX/XX/XXXX, I was not charged a late fee. Why now, but most importantly, why at all. I would like for my original mortgage contract to be honored. Additionally I have filed a complaint with FDIC as no customer should have to experience this type of unethical practice, especially from a mortgage company that they did not chose to have their loan through. 

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 2019-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX  after a few attempts to collect the debt sold my account for pennies of the dollars to Credit corporation solution with a balance of XXXX which includes XXXX of principal ... {$1100.00} ( Interest ) and {$360.00} in fees Which i think is a rip off ... so now Credit corporation solution Inc XXXX XXXX XXXX XXXX XXXX  XXXX XXXX .UT XXXX XXXX XXXX I went trough a XXXX XXXX, Im able to pay XXXX XXXX  directly but collection agencys are living and making profit from people which is abuse, its is a disgrace.Even if you decided to pay the collection agency that record stay for 7 years Hurting your credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TimeMark Solutions, Inc
State: CA

Complaint narrative:
Timemark solutions contacted me repeatedly and aggressively. They claimed they worked for the federal government and told me that I would have to pay fees to enter loan consolidation and income based repayment. They charged me 3 fees of XXXX and did not file the appropriate paperwork to enter into loan consolidation. They refused to offer any assistance after the fees were paid. Their agents and website were misleading and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: RI

Complaint narrative:
I am the victim of ID theft and have had nothing but problems with equifax and no other bureaus. Recently I can not even use my lock and alert account but that is in another complaint. I sent equifax my ID theft affidavit and police report and letter and Id 's to block fraudulent information on my report which they finally did to two of the accounts. However one account remains. This account is ridiculous and I have disputed it at least 15 times over the past few months. Every time it comes back with different late payment amounts, account status from charge off to paid, 15 missed payments to 19 then back to 0. Not  only are they obviously reporting incorrect information, the information is not even mine!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I recently had Experian block some fraudulent information on my report as I am a victim of ID theft. They did this promptly and I am very impressed at how they handled it. However, I have no NEGATIVE items on my report anymore but some of my FICO scores ( diff versions all from Experians paid service ) will be about 100 pts lower and state there is a delinquent account. When I try to drill down into the account on my Experian creditworks there is no account there. I think that some of the blocked information is still effecting some versions of my FICO score. I have attached the screen shots so this makes more sense. Can someone please look into this because if a lender pulls fico 8 from Experian it is only XXXX when my Experian Fico 2 and bankcard 8 are above 750. 
I think this is because one of the accounts I had blocked was a fraudulent collection account, however it reported as a charge off collection EVERY month. ( if that makes sense ).

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 2019-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
XX/XX/19 - I noticed that there was a double charge on my account from a merchant ( when I only made 1 ), logged into my account on Barclays ' website and there were some strange messages of account past due when I had paid my latest statement in full. I called Barclays and spoke to an agent about both things and was told that I did not make any transactions between the dates XXXX-XXXX when I obviously have and was calling about them and was told that the website is working accurately. Agent refused to recognize the evidence of contrary. Agent told me his name was " XXXX '' and employee ID was XXXX. Recognizing that I wasn't getting the help I needed, I specifically asked the Agent to note my account of what he told me and ended the call. 
XX/XX/19 - I called again, I mentioned the experience that I had on the call on previous day and was met with apathy and told me there were no notes on my account. Website info is now correct, so I asked about the double charge. Agent told me that it would be credited back to me. I asked agent to note the account. 
XX/XX/19 - I noticed that I had received a credit of {$0.00} ( yes XXXX XXXX ) instead of the amount promised to me by the agent I spoke to. The agent I got this time said again there is no note on the account and when I lament my trouble, did not acknowledge them and wanted to transfer me. The transferred agent ( 2nd one on this call ) was also of no help and had to transfer me again. The 3rd agent ( id : XXXX ) I spoke to again said no note was taken but she would address the issue, so I have not seen any resolution nor do I now have any confidence that it will be fixed. 

All in all I spent hours on these calls ( including holds and IVR routing ), spoke to 5 agents, and was agitated with my experience.

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 2019-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi bank after a few attempts to collect the debt sold my account for pennies of the dollars to XXXX XXXX solution with a balance of XXXX which includes XXXX of principal ... {$1100.00} ( Interest ) and {$360.00} in fees Which i think is a rip off ... so now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX .UT XXXX XXXX XXXX I went trough a Rufo time, Im able to pay Citi bank directly but collection agencys are living and making profit from people which is abuse, its is a disgrace.Even if you decided to pay the collection agency that record stay for 7 years Hurting your credit score

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 2019-08-14 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: FACTUAL DATA CORP.
State: CA

Complaint narrative:
factual data has done hard inquires on my credit report. I have contacted them they have no response. https : //www.factualdata.com/index.html.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
In XXXX  XXXX, I called mortgage servicer New Rez to inquire about removing the PMI from our mortgage. The rep that I spoke to at that point said that we didn't need to do an appraisal or anything and she would submit the request and it would be removed. I knew that was wrong so called back in a few days and was told yes in fact there would need to be an appraisal and that the previous rep no longer works there. Anyway, we finally decided to go through with the process in XX/XX/XXXX, and were informed that since the our mortgage is with XXXX, we can just do a BPO instead of a full appraisal. We sent in the check for $XXXX with the memo line note as instructed for the BPO payment. The check was cashed on XX/XX/XXXX. It was applied incorrectly to a principal payment - we noticed that when we received our monthly statement - even though there was the note (as instructed) that the $150 check was for a BPO payment. I called on XX/XX/XXXX and was assured that the payment had been reversed and it was sent to the correct department for the BPO to be ordered and that someone should be in contact with me to schedule. No one called to schedule, so I called again on XX/XX/XXXX and was told they would "escalate" the issue and make sure someone gets in touch. Called again XXXX and was told the 2 people I spoke to on XX/XX/XXXX and XX/XX/XXXX in fact did nothing, but this time she would "make sure" that it was done correctly and someone would call within 3-5 business days to schedule an appointment for the BPO. Few more days went by, I called again on XX/XX/XXXX and received the same message; they can "submit a request and escalate the issue". On XXXX, the rep advised me to allow until the following Wednesday XX/XX/XXXX to allow for some processing time. I called today XX/XX/XXXX and still no updates. The "customer service" reps are not at all helpful - all of the actual work is done by the "loan servicing" dept who only correspond by email or fax. Multiple times I've asked for a supervisor and been told they are all in a "meeting" and they could call me back (they didn't), From the terrible wrong information at the beginning, to the check being misapplied, to the lack of any sort of helpful updates or information, this has been a total and utter disaster of a process.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
I was sent {$100.00} on Cash App by a family member to pay my light bill at XXXX XXXX on XXXX XXXX. I then had the money scheduled to go to my bill the following day. At XXXX XXXX on XX/XX/2019, I received some notifications on my phone stating that I sent {$20.00} then {$80.00} to a person that I did not know. When I went to look at my account it showed that someone had added their email to my account and sent the money to their Cash App account. When I went to refresh the page to look at the email address they had deleted their account by that time and also removed their email address from my account. I then went to ask for a refund of my money and the app said they were unable to request cash from that person. I also changed my pin number and removed my bank card from the account. After that I contacted the Cash App Support Team at XXXX XXXX on XX/XX/2019 and they contacted me back at XXXX XXXX on XX/XX/2019 and filed a claim. The support team contacted me back and said that they will investigate the claim and that I would hear back from them shortly. After I explained what happened, I have not heard from them since.

Company response to consumer: Closed with explanation