vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I currently have a VA Loan with XXXX XXXX XXXX   being serviced by Dovenmuehle Mortgage , Inc. For the last seven months, I have attempted to reach out and request numerous updated Escrow Analyses to be reperformed on my VA loan. Every time I talk to a representative for an explanation, they tell me they didn't receive my request or my re-request for an updated escrow analysis and re-submit a new one. However, every month I get another letter stating that they reviewed by Escrow Account and made the necessary adjustments and/or that they thought the Escrow Account was analyzed correctly. However, when I call back and speak to a Representative and explain the support I provided, they agree with me and re-submit my account for a reperformance. I have attempted to do this many many times and I feel that they are not listening or do not care. However, I am sure I am not the only person who is going through this and being previously in the Loan Servicing Company. I feel Dovenmuehle does not appropriately or accurately assess Escrow Accounts and I am sure I am not the only borrower they have done this too. I would like someone from the CFPB to look into this. In addition, I will be reaching out to my VA Representative to see what steps I can take to have another Mortgage Loan Service Provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MN

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX some body Fraudulently applied for two loans to One Main Financial! I contacted One Main about this issue and also contacted XXXX XXXX from the Mn. Commerce Dept. about these two loans that someone applied for, I reported this and also reported it to the XXXX XXXX Police dept. One Main has requested several times to XXXX  to remove the hard hits from my account, the hard hits are still there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WI

Complaint narrative:
In XX/XX/XXXX my husband was out of work and we fell behind on our mortgage. After a lot of work and time we were able to prevent our house from going into forclosure by getting a loan remodification with XXXX XXXX XXXX. This helped for a while but we were still not able to keep up so in XX/XX/XXXX we filed Chapter XXXX bankruptcy to basically keep our house. The Bankruptcy was basically only filed for the amount that we were behind, which was {$17000.00} and of course legal fees. So shortly after we filed, XXXX XXXX XXXX  sold our mortgage to Carrington Mortgage, and did not send us any statements for months and still, they do not send us any statements. The whole thing is a mess and we are told we can not get statements because we are in bankruptcy. Then 3 years later we get a letter from XXXX XXXX XXXX 's lawyers, which not even sure why they are bothering us when they don't hold the mortgage, but now they want to sell our house because we missed 6 payments from XX/XX/XXXX until XX/XX/XXXX in the amount of {$6600.00}. Except I have proof that all of those payments have been made. They are also claiming that XXXX XXXX XXXX  who at the time was Co- Debtor should be responsible for the {$17000.00}, except for he is deceased and has been since XX/XX/XXXX and was removed from the home and the loan back in XX/XX/XXXX, way before we filed bankruptcy So here is my concern, what gives them the right to do this to us. Cause this grief to people, cause me to spend money that I don't have because I have to get my lawyer involved!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: MI

Complaint narrative:
I previously reported to CFPB onXX/XX/2018with case number XXXX   vs XXXX XXXX the dba for XXXX XXXX. XXXX XXXX falsely claimed that they did not improperly report the open {$150.00} charge off for their credit card. When I attempted to call, the company gave me the run around and I was on hold for over 45 minutes without speaking with a human.

I now have the copy of all of my credit reports where I disputed that any balance owed to this company and/or its affiliates. This was a secured credit card which means I deposited {$600.00} and once I declared bankruptcy everything got paid off. Unfortunately, XXXX XXXX  continued to charge me late fees for a debt that was completely paid off and during the bankrutpcy which was in violation of 11 USC 362. I do not owe XXXX XXXX any monies and it is defaming my name by falsely stating that I owe any money at all. It is also throwing off my credit card limits making it falsely look as though I charge up cards and not pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
there are other address and accounts and collections reporting to my credit report and i have zero knowledge of who opened these accounts and how but they dont belong to me and this really frustrating that someone was able to use my personal private info i can never feel safe again

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
there are other address and accounts and collections reporting to my credit report and i have zero knowledge of who opened these accounts and how but they dont belong to me and this really frustrating that someone was able to use my personal private info i can never feel safe again

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: OK

Complaint narrative:
There is a collection amount of {$250.00} on my Consumer Credit Report of which I have NO knowledge of its origins. The amount is reported twice from two different agencies with separate dates : 1st Report : XXXX XXXX Date Opened : XX/XX/XXXX Last reported : XX/XX/XXXX Account Balance : {$250.00} ( XXXX ) 2nd Report : XXXX XXXX  Date Opened : XX/XX/XXXX Last Updated : XX/XX/XXXX Account Balance : {$250.00} ( XXXX ) I am an XXXX XXXX  ( XXXX XXXX  ) service member and I was stationed in XXXX, XXXX when these erroneous account ( s ) were created. I did not have an account with either company during this time. This appears to be a fraudulent account. Prior to those dates I was forward XXXX  in support of XXXX XXXX XXXX in the XXXX XXXX. So I can not comprehend how this is shown up on my credit report. Thank you in advance for your assistance with this matter.

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 2018-05-09 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Creditor claimed they would remove item off of my report its still on my report as a negative item. which is hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I have been in communication with FCO. They are very uncooperative and make things very confusing, on purpose. We had make an arrangement for a debt to be settled as in full. Payment was made and cleared. Now they will just report as a settlement and not in full as they stated in their email.

This company is very unethical and uses words to confuse the average consumer. I am very unhappy with their sneaky ways.

The payment was made from two accounts on XX/XX/XXXX and cleared both accounts on XX/XX/XXXX. Attached is the communication between FCO and myself.

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 2018-05-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
XX/XX/18 XXXX CST Trouble again with the website and making a payment with Specialized Loan Servicing https : //www.sls.net/ 1. Their new provider " Official Payment '' web page gives an error message of " DDA contains invalid character '' This prevents me from making a payment.

2. Calls to Customer Service tell me to send it through my banks bill pay. ( risking it being late ) 3. Customer Service refused by two different customer service reps to drop the fee to pay over the phone.

4. Customer Service also explained to me that they have now added a {$12.00} fee to pay from my bank account online. It used to be free. No notification sent.

5. The only option is to send in a paper check for no fee.

6. When I asked if I needed to put in a ticket and report the website error to Tech support, the customer service lady stated that there was no system for reporting those errors and that she would pass the information onto her supervisor. She didn't seem phased and it felt like she was giving me a line.

7. The company reps did not state that they were working on the known website issue. The attitude was that they didn't care. This is very concerning because it is the main method of payment for our mortgages.

8. This is the 2nd time in a year I have experienced changes and problems with making payments to SLS Mortgage Servicing. Previously I went for several months of not being able to log in and obtain any information on my account. They did not care.

This company needs to be watched. Side note I am current on my loan and I don't pay late. Thank you for taking the time to review this. 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 2018-05-09 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Creditor claimed they would remove item off of my report its still on my report as a negative item. which is hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I got a Care Credit card becuase I had to have emergency XXXX  work. A XXXX XXXX, and it went into the XXXX. I had to had a lot of work done. I didn't have a choice. So I got the Care Credit to pay for it. I have been paying on this bill every single moth, sometimes twice a month, and I can never get it paid off. The interest rate has made my total charges almost double what they were to start with. Yes, I did try to call and talk to someone. After being on hold forever, I finally got to speak to someone that didn't speak English very well.I was literally crying. I had no idea what he was saying. So then what do I do? I wrote them a letter and asked about my interest rate. Now I have paid the card late as of today. Here 's the thing : my bill arrived on XX/XX/XXXX. I got it in the mail today ( XX/XX/XXXX ). It arrived on the XXXX, but it was due by the XXXX. How can they send the bill AFTER the due date and charge you late fee, after late fee, after late fee? I truly believe they do this on purpose-send the bill so that it will arrive late and then charge you late fees. I am so disgusted and frustrated. The late fees for this month are {$79.00}. {$79.00} late fee for one month ( late by like 3 days ), when the bill didn't even arrive until after the due date? This company is unethical and deceptive. I'm a single mother with NO child support. I had a medical emergency that was beyond my control. I don't even know what to 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 monetary relief
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I owe a credit card debt, which I do not dispute. The Debt Collector Handling this debt is Presently Portfolio Recover Associates LLC, XXXX : XXXX. My complaint is about their fraudulent use of " spoofing '', using technology that allows Portfolio Recovery Associates to create fake caller I.D . numbers to mislead who is calling me on my cell phone, the latest number they used that was on my phone XXXX cell, was XXXX XXXX, others XXXX XXXX, usa, XXXX XXXX all false caller id numbers, this is fraudulent representation of themselves in regards to who is calling me, Portfolio Recovery Associates. sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I asked this debt collecter for a list of their office branches if they had more than one, they hung up. SS # XXXX please leave my personal information in this document! Do NOT REMOVE IT FOR THE LEGAL RECORD

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Access Financial LLC
State: CA

Complaint narrative:
They continue to call me on my cell phone and at work. Yesterday they called my work 20 times and keep harassing the receptionist and refuse to talk to HR when she tries to forward them there. The man 's name is XXXX and I told him to only call me on my cell phone as I can not receive calls at work and have already been talked to by my employer about the phone harassment they have been receiving. He yells at me with vulgar language and threatens that he will have the judge garnish my entire paycheck.

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 2018-05-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trident Asset Management, L.L.C.
State: PA

Complaint narrative:
I tried writing this Collection Agency numerous times with the attached Hereto correspondence., The phone bill in question was paid in full before the collection process., I requested on two seperate occasions full Validation of the debt., All they provided to me was a copy of a phone bill., Under the Fair Debt Collection Act., I requested and did not receive the following An explanation of what the alleged account balance was for A calculation of the balance., Including the complete payment history on this account so that I have proof that this amount is correct Documentation that shows I agreed to pay this debt The agreement that grants them the Authoruty to collect on this alleged debt. 

A copy of their state license including license number

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
When making a payment to Capital One in XX/XX/2018, the payment was never applied to my bank and therefore was reported late to the credit bureau when it fact it was made on time. The representative I spoke with on XX/XX/2018 was very rude and unprofessional. All of my payments before this one have been applied appropriately and on time. Capital One is claiming there has been fraudulent activity on my account but will not provide me with the information. I believe they are the ones whom have been fraudulent and perhaps have a representative using card holders accounts. They claim they can only speak to my husband whom is the primary. I have a card as well and have been making payments from our checking account for years. He has been out of the country and never even activated this credit card, only I have. He has mailed and faxed numerous letters providing all the information they have asked for in order for them to speak with me regarding anything pertaining to this account. I want this situation resolved asap and my credit report fixed as well in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I consolidated my loan in XX/XX/XXXX after learning about pslfp XX/XX/XXXX believing my loan would be forgiven at some point. Now in looking at my loan, it isnt the correct repayment plan to qualify. I work in public service and knowing that I was consolidating my loans, I was never informed at the time that my loan would not qualify for any public service forgiveness. Navient/sallie mar have continued to withhold information which could have helped with my loan. Im now with a loan Ive paid several thousand dollars on and will receive no forgiveness. They mislead individuals or withhold information to line their pockets at the expense of customers. Very frustrated that I was not given any correct information or help when consolidating my loan in anticipation of forgiveness. I also do not believe they have applied my payments correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
XXXX XXXX has been reporting to all three credit bureaus since XX/XX/XXXX. I have been requesting this company to verify the debt they claim I owe them. I have disputed with all three credit bureaus and none have provided documentation. ARS collection company has sent me a letter stating they understand I am disputing the information to be verified and they just stated in the letter that it was verified and mine. They state on my credit report that the original creditor is XXXX XXXX XXXX XXXX XXXX which I have no knowledge of ever being seen by anyone by this name. Further more I was working and had medical insurance through both my employer and a secondary insurance plan with the VA because I am veteran. This has been going on for 5 months now and really causing a hardship because of this inaccurate information on my credit reports. XXXX   actually removed the debt on XX/XX/XXXX but added it back to credit profile on XX/XX/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 2018-05-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GVA Holdings, LLC
State: CA

Complaint narrative:
I spoke with the company today and inquired about paying off my loan. I have received loans from this company for over two years so I am aware of how expensive they are. On several occasions when I have called to do an early payoff the representative has offered to waive the finance charge for the pay off. I always call prior to the due date of my loan. That was not the case this time. I had taken out a loan for {$800.00}. I have already made one successful payment on time on XX/XX/2018. I spoke to the manager and the rep who informed me that my pay off would be {$980.00} if I pay on the first. The manager stated that they are able to do so if several payments have been made. So basically after they have gotten more than enough money from you they will work with you. If I was able to make a payment today the manager offered me a discount and said my pay off would be {$750.00}. I also tried to inquire what the actual fee was for XXXX. The rep only told me there is an 485 % apr. Which i am aware of but that is not what I was asking. I referenced their website which shows an example for {$300.00} that payback is XXXX. I feel that there practice is criminal. Especially since I was asking for something that they have been able to do before. There are so many people that get these loans and don't pay them back. I am not one of those people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Fidelity National Information Services, Inc. (FNIS)
State: NH

Complaint narrative:
On XX/XX/18 I requested a copy of my credit report using chexsystems and using there automated machine at XXXX. I had received a report this way in the past. I have had an XXXX breach, XXXX breach, also I had been alerted that a previous potential employer had a confidentiality breach due to a past employee stealing a laptop with personal information. Address, Social security numbers, State and government issued IDs, etc. I have also had issues with my bank account XXXX XXXX XXXX, and cell phone carrier, XXXX which my father, mother and brother and I are all under one plan. Not receiving the report is alarming since you leave all identifying information verbally. There is not a person to speak to nor a facility close by to discuss my report. So I requested one online and received a confirmation that I would be receiving the report within 5 business days so most likely by Tuesday or wendsday of next week today is XX/XX/18.

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