vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
Despite multiple requests, PHH has failed to provide the contact information for the investor of our loan. PHH has violated RESPA and continues to provide conflicting information around our request for assistance. We have been going through this process for almost two years. No one is hearing our side of the story.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: American First Finance, Inc.
State: FL

Complaint narrative:
American first finance took out XXXX from one bank account of mine with permission on XX/XX/2019 then same date took out XXXX without permission from my XXXX  XXXX XXXX account Ive called multiple times on XX/XX/2019 and everyday until XX/XX/2019 spoke to managers and supervisors all assuring me that the XXXX $ unauthorized payment would be placed back in Monday XX/XX/2019 and XX/XX/2019 which never happened I never authorized direct take out Please help me as this happens to a lot of the customers of American first finance and nothing is ever done Ive reported them to the better business bureau and wrote the corporate office with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I mailed letters to both XXXX, Equifax, and XXXX asking them to furnish -- within 15 days -- their information as to how they verified a Chapter XXXX Bankruptcy on my credit report. The letters were mailed out on XX/XX/XXXX. In addition to not receiving a response from any of the bureaus on the verification method, I also pointed out inaccuracies in how they all reported it in separate letters. There have not been any responses, changes, or deletions made as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK
State: NY

Complaint narrative:
Ok i was promised a settlement of XXXX to XXXX to settle my debt of XXXX their fees included now they settled one card with their fee it comes out to XXXX dollars that's no where near what They promised me/imagine when they settle the other 2 cards how much will it be and at the end of the program id probably end up paying XXXX dollars when i caught on to the scam after 9 months i asked for a refund because i was mislead they kept XXXX and now i have XXXX left in their account and they want to keep it as well i no longer want to continue the program im not in a contract and would like a refund they denied it so now im XXXX down i want a full refund Nd i want to warn everyone about freedom debt relief they tell you one thing and on the disclosure its something else i work hard for my money and they took advantage of someone looking for a way out of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I mailed letters to both XXXX, XXXX, and Transunion asking them to furnish -- within 15 days -- their information as to how they verified a Chapter XXXX Bankruptcy on my credit report. The letters were mailed out on XX/XX/XXXX. In addition to not receiving a response from any of the bureaus on the verification method, I also pointed out inaccuracies in how they all reported it in separate letters. There have not been any responses, changes, or deletions made as a result.

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 2019-08-13 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I mailed letters to both Experian, XXXX, and XXXX asking them to furnish -- within 15 days -- their information as to how they verified a Chapter XXXX Bankruptcy on my credit report. The letters were mailed out on XX/XX/XXXX. In addition to not receiving a response from any of the bureaus on the verification method, I also pointed out inaccuracies in how they all reported it in separate letters. There have not been any responses, changes, or deletions made as a result.

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 2019-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: RLB Texas Auto Center LLC
State: TX

Complaint narrative:
I bought a car on XX/XX/2019 just over 2 weeks ago with {$1000.00} down and {$500.00} deferred. They did not disclose that there was a GPS tracking/disabling device on the vehicle. They started out telling to just get my insurance as soon as possible then the very first Tuesday or Wednesday they already disabled the vehicle saying that I was supposed to have my insurance within 24 hours, if I would have known it was 24 hours I would not have tried to wait until payday on the following Friday, I would have done my insurance immediately. Then come Saturday the XX/XX/XXXX they have disabled my car again because I paid {$300.00} of the {$500.00} deferred amount that was due that day. Then I lost a contact that couldnt be replaced over the weekend because ai did not even have access to my prescription over the weekend. I did not order glasses at the time because XXXX XXXX could not connect with my government XXXX/XXXX XXXX and were trying to charge me too much money. Anyway when I paid the {$300.00} one of the sales people at Texas Auto Center assisted me in making the {$300.00} payment in their payment ATM and I said I would pay the rest as soon as I made it with XXXX and XXXX, he did not argue or say anything at the time. Then Monday morning at the optometrist they start harassing phone calls and disabled the vehicle. The period of time the {$200.00} was late and the disabling of my vehicle is absolutely ridiculous and the harassing phone calls starting the very next business day is very extreme! Texas Auto Center in XXXX XXXX, TX needs to extend that period of time before they start harassing their customers and disabling their vehicle to allow for a more fair period of time and give honest customers a chance to make things right. They constantly lie and give their customers the run around. I have been reading their customer complaints and reviews on the XXXX XXXX XXXX website and have since come to the conclusion that their business practices are highly shady and their consumers need protection from these sharks that most of them do not know where to solicit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MIDFIRST BANK
State: TX

Complaint narrative:
Good day! 

We are trying to escalate this file to Midland Mortgage because until now we don't have the short sale approval yet. We were informed on XX/XX/19 that it is conditionally approved and just need to submit some documents. We submitted the requested documents but the response is not handled in a timely manner. After waiting for several days or a week, they will tell us that another document is needed where they could have inform us the missing documents altogether so it can be submitted completely.

Until this very moment, we still don't have the approval letter. The company and the person in charge of the file has no sense of urgency. We might lose the buyer because he has been waiting for this file since XX/XX/XXXX. We hope that they can fix this asap and provide the approval letter.

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 2019-08-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OR

Complaint narrative:
I took out a loan for {$300.00} and was given an extension to pay on XX/XX/2019. I had to leave town for work, and they deposited the check, which was bounced back because my spouses unemployment check had not yet been deposited. On XX/XX/XXXX at XXXX they left a message on my employers main phone line identifying themselves as a payday loan company and searching for me by name. I called the company on XX/XX/XXXX and spoke to XXXX  to ask them to not call me at work and they said that in the contract they are able to and would not agree to cease communication to my place of employment. Everything I have researched stated this is not true and has caused me humiliation and could ruin my reputation at my job to be promoted or given additional responsibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I voluntarily surrendered my XXXX XXXX XXXX to Capital One, the vehicle sold and my account was immediately sent to collections. Once the collection agency acquired the account I settled with them for a lesser amount. The credit file indicates there is still an amount owed to Capital One and it's not indicating that the account was settled. The credit agencies show it is past due. I filed a dispute and Captal One Indicated that its report was correct. It is not and it needs to be changed to reflect the settlement and the notes need updated that it was paid as less than what was owed to be reporting accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: CITIBANK, N.A.
State: FL

Complaint narrative:
The bank is aggressively trying to push " paperless statements '' to the point where I am getting one e-mail a week and numerous pop-up notices about this nonsense. I have told the bank at least 10 times by fax, e-mail and letter that I WILL NOT make the account paperless, I have adjusted my settings accordingly, but they ignoring my communications and persisting with this.

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 2019-08-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting incorrectly a collection in the amount of {$10000.00} to Experian on XXXX XXXX XXXX partial account number XXXX. ( Please see page 13 of the attached credit report. ) We were waiting to receive our first bill so that we could contact the billing department directly to make payment arrangements, however we never received a billing statement from XXXX XXXX XXXX and consequently this account has since gone to collections and it never should have. This incorrect reporting is harming my credit score and this line item needs to be deleted. I have contacted the bureau to fix this, however I have not been successful.

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 2019-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I called the credit card company customer service again today XX/XX/2019. 
I asked him why I was charged a late fee of {$85.00} and they said because I didn't pay it on time in spite of the fact that I have a minimum balance that they automatically get so they're paid on time. I also pay the full amount, this month it was {$5500.00}, a few days before the due date. 
The representative insisted that does not qualify as being paid on time. They have it rigged so It's impossible to pay on time according to them. I think any reasonable person would say that I'm paying them on time and have never been delinquent. This has been going on for many months. And I have paid thousands of dollars in late fees even though I always pay on time in full. 
The best arrangement I could get with them was to pay my bill in full automatically for 2 months and then I might not be charged any late fees after that. 
Out of desperation and because they left me no alternative, I agreed to that arrangement. 
I think what they are doing is unethical and probably illegal and that they should refund all my late fees to 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 explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX XXXX Mortgage Company : Rushmore Loan Services Loan no : XXXX To Whom It May Concern : I am sorry for delaying my mortgage payments. I have not kept my financial responsibility to your company because I had a marital separation and family emergency. All of my assets were almost lost due to my unfortunate event. 

However, I have slowly recovered from financial depression and I am able to keep my monthly mortgage payment and if you agree to help me workout a repayment plan. 

I have a stable job with a good income, and I would like to know if I can include my daughters income. I have invested 12 years on my property and I do not want to lose my condo, it is very important to me. 

I CAN AFFORD MY MORTGAGE PAYMENT ; UNFORTUNATELY, ITS THE ARREARS I NEED TEMPORARY HELP WITH. HELP WITH a repayment plan, a reinstatement, or some other solution to get me back on track. 

I have sent a detailed report to the Consumer Financial Protection Bureau as well as FHA and HUD. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: PA

Complaint narrative:
I paid a dept owed to XXXX XXXX of {$550.00} for XXXX on XX/XX/2018. I then received noticed of collections for the same bill from Penn Collections for the same amount on XX/XX/2018 for XXXX. This debt is showed as paid on my credit report and I want the Penn collections for the same bill removed from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I reviewed my personal credit report(s) online in XX/XX/XXXX and saw where XXXX reported to credit bureaus TransUnion and XXXX  that I owed them $XXXX. I then spoke to XXXX  on the phone to clear the matter up to no avail. I gave them my name, social security number, and the partial account number listed on credit reports and was told that there was no error. I reiterated to them that the amount owed was not my debt and that they should close the account and remove this delinquent status from my credit report.Since speaking with XXXX, I continued to monitor my credit report(s) and then decided to put my dispute with them in writing via certified mail on XX/XX/XXXX. During this time the amount owed grew to $XXXX. I requested “validation”, that was competent evidence bearing my signature, showing that I have (or ever had) some contractual obligation to pay them. I further requested that if they could not validate the debt, they must have all credit reporting agencies delete the entry.XXXX responded on XX/XX/XXXX where they listed the account identifier (account number) as XXXX and stated that my return address does not match the address in their records and that they needed additional information to respond to my request.After reviewing my credit report(s) for XX/XX/XXXX, I noticed a comment under the XXXX entry that stated, “Account closed at consumer's request and dispute investigation completed; consumer disagrees.” I wrote to XXXX again on XX/XX/XXXX asking for evidence as well as the name, address, and telephone number of each person who personally verified the alleged account so I could inquire about the process since they failed to present any proof bearing my signature. I received no response to date, and they have since reported that I owe $XXXX. The “Payment History” for this account starts at the month of XX/XX/XXXX and is marked “C” for collection. No other payment history is listed before XXXX although the report states that the account was opened in XX/XX/XXXX and the highest balance at one point was $XXXX. Prior to XX/XX/XXXX, XXXX  was never listed as an account on any of my credit reports. I am now suffering hardship in obtaining credit due to negative credit reporting and a significant decrease in my FICO scores. I have sent dispute letters to XXXX and TransUnion as well on XX/XX/XXXX and XX/XX/XXXX to no avail.

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 2019-08-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I reviewed my personal credit report(s) online in XX/XX/XXXX and saw where XXXX reported to credit bureaus XXXX and XXXX  that I owed them $XXXX. I then spoke to XXXX  on the phone to clear the matter up to no avail. I gave them my name, social security number, and the partial account number listed on credit reports and was told that there was no error. I reiterated to them that the amount owed was not my debt and that they should close the account and remove this delinquent status from my credit report.Since speaking with XXXX, I continued to monitor my credit report(s) and then decided to put my dispute with them in writing via certified mail on XX/XX/XXXX. During this time the amount owed grew to $XXXX. I requested “validation”, that was competent evidence bearing my signature, showing that I have (or ever had) some contractual obligation to pay them. I further requested that if they could not validate the debt, they must have all credit reporting agencies delete the entry.XXXX  responded on XX/XX/XXXX where they listed the account identifier (account number) as XXXX  and stated that my return address does not match the address in their records and that they needed additional information to respond to my request.After reviewing my credit report(s) for XX/XX/XXXX, I noticed a comment under the XXXX  entry that stated, “Account closed at consumer's request and dispute investigation completed; consumer disagrees.” I wrote to XXXX again on XX/XX/XXXX asking for evidence as well as the name, address, and telephone number of each person who personally verified the alleged account so I could inquire about the process since they failed to present any proof bearing my signature. I received no response to date, and they have since reported that I owe $XXXX. The “Payment History” for this account starts at the month of XX/XX/XXXX and is marked “C” for collection. No other payment history is listed before XX/XX/XXXX although the report states that the account was opened in XX/XX/XXXX and the highest balance at one point was $XXXX. Prior to XX/XX/XXXX, XXXX was never listed as an account on any of my credit reports. I am now suffering hardship in obtaining credit due to negative credit reporting and a significant decrease in my FICO scores. I have sent dispute letters to Experian and XXXX as well on XX/XX/XXXX and XX/XX/XXXX to no avail.

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 2019-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: GFS II, LLC
State: MI

Complaint narrative:
Was set up on auto pay biweekly for {$180.00} for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Payments were not withdrawn. In XX/XX/XXXX I paid past payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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:
1. Citi bank closed my credit card without notice on XX/XX/2018 2. Citi bank claimed that they closed my account base on the way i made payment after I submit the complaint. 

I am sure I made payment on time 99.5 percent of time. The reason citibank told me was an excuse. Please provided me all my bad payment history and also pay me back {$81.00} Costco rewards.

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