vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
In early XXXX my dad directed me to obtain his home loan payoff with PHH Mortgage Services. I did so and obtained a payoff of {$7200.00} and set date for payoff was XX/XX/2019. Dad directed me as his power of attorney to pay the mortgage off with the pay off instruction. I went on XX/XX/2019 to my local credit union and did a wire transfer for {$7200.00} plus a {$20.00} fee for doing so. PHH mortgage services mistakenly applied the amount to the wrong account which was my personal account with them for my home, not my dad. I don't know how or why they did this my payoff is way higher than my dads home. I have contacted PHH mortgages and they have told me they are working on it but nearly two months later have not done so. They in fact are sending me default of loan letters for my dads property which is now my property. Can someone please help me with his complaint. PHH mortgages is not listening.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: MS

Complaint narrative:
First my wife attempted to clear the final incorrect billing by dealing with my insurance company and the XXXX  XXXX  Hospital.XX/XX/XXXX XXXX Spoke to XXXX  at XXXX-XXXX-XXXX.  Emailed and faxed to her the EOB.  She said she will have a supervisor call us back.  The email she had me send the EOB to is XXXX, XXXX – floor supervisorNotation on EOB:  NHB -PAID IN ACCORDANCE WITH XXXX  XXXX   CONTRACTNotation at bottom of EOB:  Payment is being made in accordance with NEVADA PREFERRED discount agreement. Please call XXXX  for inquiries.Based on this info and XXXX  XXXX refusal to communicate and accept the insurance ruling, they filed the claim with a claims agency which I succesfully disputed.  Then a few months later, they re-assigned to another claims agency and this time I was not able to dispute the claim successfully.   I have the financial means to pay this and that is not the problem.  It is the principal that they are ignoring agreements made with the medical insurance companies and groups.

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 2019-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: DriveTime
State: NV

Complaint narrative:
Once again this company fails to answer questions directly ... The previous response listed the vehicle as a XXXX when in fact it was a XXXX. Furthermore they state the credit report they pulled showed the previous vehicle but no status ( since when does a credit report only show an account with out payment history, past due, etc ). So with those two obvious errors how can we conclude their staff acted appropiately? Chances are the staff that was involved in my loan doesn't even work there any longer. How can they prove what i am saying is inaccurate? Once again they fail at doing a thorough investigation. They need to provide responses from the employees I worked with and if they are no longer employed they need to buy back this loan. If they are not able to provide those response then this proves they are not thoroughly investigating this issue.They are not investigating this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BB&T CORPORATION
State: GA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2019-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Comerica
State: MA

Complaint narrative:
Hi my name is XXXX murder  on XX/XX/2017 I received money from Social Security for $XXXX it was going to the business which is called direct   express  is it located in XXXX XXXX  Texas their telephone number XXXX-XXXX-XXXX  That company is very hard to get in touch with tried to get in touch with them it’s almost impossible well anyways I called the fraud department because after about 78 months with my head became a little clearer I said a look at it all my money was gone so I ask him to send me a statement because I’m expecting statements every month they tell me they’ll send statements out because they charged you $XXXX per statement and I told him I think there’s a mistake I should have more money in the bank I think either you make aA mistake or somebody stole my money so we talked for about an hour I explain to them what happened I have a pay which I have a picture of her name and address was there she was my ex fiancé I fired her right before I got the check because of personal reasons but the account that stay open for two loads if you read the Social Security manual they can still operate with that card and I’ve also had identity theft which I have very suspicious about her so anyways I explain to them what happenedSo here are the disputes disputable 1-XXXX dispute number 2-XXXX dispute number three XXXX dispute number4 XXXX so after we got all the disputed they told me they would mail out some forms that I needed to fill out  They told me they would be here within 10 business days I’m still waiting father never sent me nothing never got the file that I never got to process I have a police report the police seen it they know what’s going on I’ve had a dirty theft my Social Security card was stolen you think they will dig a little deeper into this they sent me one piece of paper from some company called XXXX  which I’ve never heard of the company says there was a conflict of interest which I really don’t understand what the conflict is Four different disputes they only investigated one and they told me that the investigation is over there’s nothing I can do you need to hire a lawyer if you want to continue investigating this case so that’s what I’m doing I sent you guys a picture so you could take a look XXXX  and see you all Social Security is really dealing with thank you my name is XXXX  XXXX  appreciate your time

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: GA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX   or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: AL

Complaint narrative:
XX/XX/19 received a bill for {$880.00} from IC System for a XXXX account delinquent bill that was in my name. I contacted XXXX, filled out a fraudulent packet, mailed it on XX/XX/19, with a tracking #, which they received on XX/XX/19. Never heard from them. Called XXXX on XX/XX/19 to confirm my packet was received and complete. The lady confirmed it was and that it would be 30 days before I would hear from them. Never heard from anyone. XX/XX/19 received a letter stating the fraud packet was incomplete. XX/XX/19 called XXXX to find out why the packet was incomplete. He didnt not know but assured me I would hear from them within two days. Never heard from him. XX/XX/19 received another bill from iC Systems for {$880.00}. XX/XX/19 called XXXX. He said The packet has not been located. In this packet I was informed I had to send my social security number along with other proof Id identification. He told me to fill out another fraud packet. This is unacceptable, and I want this resolved.

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 2019-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Uplift, Inc
State: MD

Complaint narrative:
I have been trying to get several errors fixed on this account for 6 months and it's been horrible. First, they my balance kept reflecting {$760.00} dollars even though it was paid In XXXX of this year. Now they made ANOTHER ERROR and my payment history was changed on XXXX to missing 2 payments in XXXX and XXXX of this year, while the actual late payment from XX/XX/XXXX was removed. I WAS NOT LATE. I was in a hard ship program that Uplift offered and credit reporting was postponed. The payment was due by XX/XX/XXXX which it was, hence why my payment history was accurate until someone made a HUGE MISTAKE! I called today and spoke to a rep who indicated the whole financial team who reports and call center were new and she never knew they had it because it's no longer offered. It doesnt matter if it's no longer offered because at the time, I was in it. All the emails are attached to this complaint and CAN BE SEEN IN THE SYSTEM AS WELL AT THE COMPANY THAT CLEARY SHOW I WHAT I SAID was accurate. She has no idea why this happened and told me I must dispute it and show proof that it is reflecting wrong. This is horrendous. I shouldnt have to constantly call and file disputes for someone not doing their job in a sufficient manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
At XXXX on XX/XX/2019 I received a phone call from Radius Global Solutions. The number they called from was XXXX. They have called before and have been told if they would not tell me what this debt was about to quit calling me. I have repeatedly identified myself as the person they were trying to reach but they would not tell me what the debt was in reference to without verifying the address. I identified myself as the person they were trying to reach I am not giving out any other information till I am told what it is in reference to. When I tried to pull up the companies website of www.radiusgs.com it gives you a warning that it is not a secure site and that someone might be trying to steal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My payment information on my XXXX XXXX XXXX  is not being recorded by TransUnion as it is correctly reported on XXXX. I have contacted XXXX XXXX and they have reviewed and confirmed that the information has been given to TransUnion as it was with the other three agencies. I disputed this with TransUnion and they are saying XXXX XXXX is not reporting the information. For some reason XXXX XXXX information is accurate at XXXX  and it was correct last month at TransUnion so why did it change to the wrong data? I have attached my TransUnion last month, TransUnion this month, and XXXX  payment logs for proof of what I am saying is the case.

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 2019-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
My home was modified and some of the debts that were accrued were capitalized. Through the XXXX XXXX XXXX XXXX XXXX company, I was granted XXXX dollars to go against any of these charges. During the process I do not see any place where the money was allocated and when recently trying to refinance my loan I was told that the original capitalized XXXX dollars still remained. The XXXX was not applied toward the debt. Because I met the requirements of staying current on my note, the mortgage lien placed by XXXX XXXX XXXX XXXX, was canceled in 2017. This can be confirmed with the XXXX XXXX XXXX. I have attached documents relating to the payment to this complaint. 

I submitted a prior complaint which was noted and the XXXX confirmed but no mention was made of this XXXX payment that was received and I would like the mortgage to be credited for such. The mortgage is now with XXXX XXXX, and the money should be forwarded there for crediting, unless there is proof of the money being applied somewhere.

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 2019-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Portfolio Recovery Associates, LLC has called my job and was asked by myself and my manager not to continue calling this was about XX/XX/XXXX. Then starting this year ( around maybe XX/XX/XXXX ) they have been sending mail addressed to me at my job. Receiving personal mail at my job can result in termination and I have received mail from them as recent as today XX/XX/XXXX. One of the times my coworker answered the phone they told them they were calling to collect a debt from me and there is no way they could be confused that they were calling a work place because there is a greeting and extensions that has to be pushed to reach the different departments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had numerous fraudulent charges on one of my checking accounts. The first time it happened in XXXX & XXXX of XXXX Bank of America reimbursed the funds & sent me a new card. However, then the same charges happened again in XXXX, XXXX & XXXX of XXXX plus numerous others. I disputed these charges as well. The bank initially refunded my money. Then in XXXX of XXXX they sent me a letter retracting their previous decision and took my money away. I then was told to fax a dispute letter if I wanted the claim reopened. Which I did ; 4 times!!! They finally confirmed receipt of the letter in XX/XX/XXXX and told me it would be 60 days and they would have a resolution for me. I called back in XX/XX/XXXX and was told my claim hadnt even been looked at! I was then told they would escalate the request and Id receive a resolution within 30 days. I have received nothing! I contacted the claims department today, XX/XX/XXXX and they tell me that my claim was closed and the resolution was sent in XXXX. I asked what the resolution was and they told me that because I didnt file my fraud claim sooner it was not valid. Bank of America refuses to provide me with information proving the charges are not fraud & the refuse to look at my claims any further. Ive lost {$140.00} and the bank just has their representatives tell me Sorry. This is unprofessional & ridiculous! I feel like Ive been violated & the bank does not want to protect their customers.

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 2019-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I received an offer from Citi where I would get a $XXXX bonus and an extra 0.5% cash back on my credit card for opening a checking account.I opened the checking account but did not fund it at that time because I didn’t have a check from the XXXX XXXX XXXX where the funds would come from.I logged onto Citi.com and didn’t see my new checking account listed. So the next day I opened another checking account and funded that checking account. I didn’t understand why but it forced me to also open a savings account. So I opened the savings account with $XXXX.I was in the middle of making some big purchases for my new house so I wanted to know when the extra 0.5% would start. I spent far too much time on the phone before I was told that I didn’t qualify because I had not put the $XXXX into the proper checking account. I tried to explain that I made a good faith effort to do as they requested but it didn’t seem to make any difference.I then closed the 2nd checking account and the savings account and requested a check. After receiving the check and depositing it back into my XXXX XXXX  account. I then transferred the money into the first checking account. Within a day or two, I got an email saying everything was set up properly and the extra 0.5% would start on the credit card.It had taken far too long but I figured everything was properly set up and everything was fine. By this time, I had already soured on Citi but decided to not do anything at that time.I was surprised to find an envelope from Citi in the mail on Saturday with the check for $XXXX  saying they had closed my account. I called Citi this morning and they stated they had the right to close my account and there was nothing to be done.So, after all this time, I first started to transfer the $XXXX to Citi on XXXX XXXX and won’t have access the funds they sent me until XXXX XXXX, I appear to have nothing. Citi still must want me as a customer because I still get offers for various credit cards from them.I know I did whatever was necessary to get the $XXXX and the 0.5% on the credit card and I am surprised that Citi is able to avoid giving me my bonuses. It might be legal but it sure seems immoral to me.What if anything should I do to prevent Citi from treating other customers as badly as they treated me.

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 2019-12-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have disputed a collection on my credit reports with all three CRAs. I stated that the amount charged was not known to me, and requested information as to why the original amount was owed. 

XXXX  has done their investigation, and determined that the information provided by the creditor did not provide adequate explanation as to how/why the account is being collected. 

Equifax, however, has claimed that the same information is " verified '' from the creditor, but will not supply me with any other information. The extent of their investigation, by their own account, is to simply ask the creditor if the account can be verified. If the creditor, simply states that they can verify the account, then the investigation is over. They do not ask for nor receive any other information documenting the creditor 's. 

It is my understanding under the FCRA that once a dispute is initiated to a CRA, then it is the CRA 's responsibility under law to investigate the account. To simply ask the creditor under investigation a yes or no question, and take their word for it, is not an investigation. I was told that there was nothing else they do, and to contact the creditor myself, and request them to close the account. If they agree, then I was to request the creditor to notify Equifax. I am totally relying on the creditor 's honesty in this case. They can tell Equifax whatever they want, meanwhile they actually had to provide the evidence to XXXX, which they were unable to do resulting in the removal of the item from my credit report. To ignore the plea from a consumer to help them investigate information they are furnishing in the first place is unethical and I believe it is a clear violation of the industry standards set forth in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX. I made a request for Credit from XXXX XXXX. I was denied and then received a notice that I could view my denial letter online. So following the instructions to view this the Words were the following " Based on a report from 3 Local Agencies it shows I am deceased. I assure you I am not deceased. I have attached the denial Letter stating I was deceased as well as I am XXXX XXXXXXXX since 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 2019-12-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

Company response to consumer: Closed with non-monetary relief