vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: GA

Complaint narrative:
IC Systems has reported inaccurate information to the three major credit bureaus. This collection account continues to surface from different companies over the last 13 years. The alleged debt is barred from statue of limitations and just the fact it is not owed. They can not provide any legal documents that supports any liability and has caused financial hardship and has been detrimental to my credit and has cause decrease in credit scores and denial from a real estate transaction.

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 2019-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX XXXX. I have a mortgage that is serviced with Lakeview Loan Servicing LLC ( XXXX XXXX XXXX ). My loan number is XXXX. On XX/XX/2018. I sent my first mortgage payment to this company. I sent two Money Orders ( enclosed ). One for {$1000.00} dollars and the second one for {$920.00}. They were both sent in the same envelope and received by a person that signed under XXXX XXXX XXXX XXXX on XX/XX/2018, at XXXX XXXX 

The following Monday, I called them inquiring why they had not posted my payments. After a week or so only the Money Order for {$1000.00} dollars was posted as a payment, and when I called asking for the other one ( {$920.00} ), they responded that they were investigating this matter. I did not hesitate and went directly to USPS to inquire if the Money Orders had been cashed and by whom. 

On XX/XX/2018, USPS sent me a letter were they enclosed a copy of the cashed money order by XXXX XXXX XXXX in the amount of {$920.00}, that they could not track. They scanned the money order, front and back and in the money order it says that it was credited to a Loan #  XXXX. This is NOT my loan number. I have been calling and left on square XXXX every time, as they say they are investigating and that they will call me. Over a month has gone by and now I am going to be late in my second payment, because I just want to send the difference, but they will not allow me to pay it online. I have never been subject to such negligence over a payment I have made on time. I am now seeking your help as this company has not done so diligently even when I have been calling them almost daily about my case. I have a ticket open with them : XXXX. Last time I called, ( XX/XX/2018 ) an associate supervisor named XXXX, promised she had checked all attached documents, copies from USPS where they money order appears as cashed and copies of the money orders sent, and that she would keep my on the loop on my case. I am still waiting. I feel they are taking advantage of me because they can and it is not fair. I have enclosed documents for your review. 

Looking forward to your prompt help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: NY

Complaint narrative:
There was a report requested by XXXX using Sterling XXXX XXXX on XX/XX/2018. The report was completed on XX/XX/2018. I did not receive the report until XX/XX/2018. On the report it states that I have multiple felonies and multiple misdemeanors. I have been to my local precinct and my name has been ran and it has came back clean, no charges on my record. I was told by the precinct to file a complaint and ask if this was indeed my information that was used for the background check. Because if it was my information that was used, I must then file an identity theft report with the Authorities

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 2019-01-04 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: Westlake Services, LLC
State: CT

Complaint narrative:
Late payment was add to my credit report. after I told West lake to deleted it the company file a false claim to consumer finance protection bureaus claiming " Customer has filed a small claims suit and all communication must be with our Legal Department. " This response is not true. Please provided the verdict, time and date for the earnin or immediately report the late payment because it illegal to lie on court earnin on a government website

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 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: Mercedes Benz Financial Services
State: OH

Complaint narrative:
I financed my XXXX XXXX XXXX XXXX through Mercedes Benz Financial Services in XX/XX/XXXX. Since that time, I have maintained a payment history free of any delinquencies or missed payments. In early XX/XX/XXXX, I had an unexpected medical emergency resulting in XXXX that put me out of work for over a month. I immediately contacted MBFS to request an arrangement to postpone my payment, while still maintaining my positive payment history. The representative offered me a two month payment deferral, and advised that my account would remain current even though no payments were necessary for the months of XX/XX/XXXX and XX/XX/XXXX. I was assured that as long as I resumed my normal payments in XX/XX/XXXX that my account would remain current. Less than 3 weeks later, I received credit alerts from all three bureaus stating that my account with MBFS was being reported 30-59 days past due. I have made multiple attempts to resolve this matter directly with the creditor, however each time I call I get a different story of what is going on. During my last call, a representative actually admitted to me on a recorded line that they DID see where the deferral was granted in XX/XX/XXXX, but for some reason that he could not explain to me he informed me that it took someone until the middle of XX/XX/XXXX to actually process it. There was no explanation as to WHY this happened, and to this day my credit report still reflects a 30 day late status for XX/XX/XXXX. This error resulted in my healthy credit score plummeting over 80 points due to ONE negative mark in an otherwise flawless payment history in over 4 years as their customer. I have exhausted my efforts, as well as my patience attempting to resolve this issue directly with the lender. They have already admitted their error, yet have made no attempt to correct the erroneous reporting and damage to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 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:
I have sent letters to correct my personal information. I have incorrect names address still reporting. I have sent my ID as proof of my name and address and they still have not corrected the information.

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 2019-01-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent letters to correct my personal information. I have incorrect names address still reporting. I have sent my ID as proof of my name and address and they still have not corrected the information.

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 2019-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
NAVIENT Courtesy Loan Forbearance due to Defense to Repayment investigation is not being applied. Navient continues to insist the Department of Education has not contacted Navient for a courtesy Forbearance although I have verified with the DoE and FSAO via FSA Borrower Defense Application : XXXX Navient will not acknowledge this Borrower defense and continues to put me on extended holds ( 45+ minutes - 90 minutes ) then transfers again for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: MD

Complaint narrative:
I submitted a previous complaint along with my ID and affidavit of id theft to this company, in XX/XX/2018, I asked that they do not contact me or continue to report or try to collect false debt from me, I recently began getting calls from this company again dispute them sending me a letter stating the matter was closed. Ive already submitted the ftc affidavit, police report and ID, this company is creating undue hardship on me emotionally and it will no longer be tolerated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
On XX/XX/2018, we contacted Seterus Inc, to request the pay off in good faith. The servicer appears to have engaged in Florida 's deceptive business practices for the following reasons : 1 ) the lender has provided a few pay off, not only reflecting different amount but most importantly inconsistent with the amount owed. The pay off provided by Seterus reflects the amount of {$15.00}, XXXX, for an allege escrow overdraft. We are without knowledge as to this fee added to the pay off amount. According to the loan modification agreement, Seterus Inc, collected the amount of {$1.00}, XXXX, in advance for any future escrow shortage. The account has been paid timely pursuant to the contract wherefore the account should not have an escrow shortage or overdraft. In addition Seterus have imposed a forced placed insurance despite being in receipt of insurance invoice we elected. Seterus choose to pay the the forced placed seeking to enrich themselves by placing a more expensive policy. During the last Hurricane, we filed a claim and the insurance company recently sent Seterus Inc the first draw in the amount of {$33000.00} from a total claim in the amount of {$120000.00}. Seterus Inc is holding the insurance proceeds and therefore we are requesting that the funds are applied to the pay off amount. On XX/XX/2018, the servicer communicated that were unable to to confirm that Mr. XXXX XXXX is deceased because the death certificate did not reflect the social security. Mr. XXXX perish outside the United States and is the reason the social would not be added. However, the death certificate does show the passport number which can be easy traced to Mr. XXXX which proves without any doubt that he is deceased. Before Mr. XXXX past, he quit claim the property to me, XXXX XXXX XXXX. XXXX also gave me authorization to speak on his behalf to Seterus Inc, even after his death. It is important to know that i also included XXXX XXXX on the deed. We have attached clear and convincing evidence that Seterus inc, has acted in bad faith in regards to the matter. Action is hereby demanded from the Consumer Financial protection Bureau.

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 2019-01-04 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: CA

Complaint narrative:
Experian claims an item is verified although both the lender and the loan servicer are unable to find me in their systems. This means the loan was never mine. I submitted this to Experian, and they again just claimed it was verified. Additionally, they have the same account on there three times. It is for the one Im telling you XXXX/XXXX XXXX themselves couldnt verify. It says it was opened in XX/XX/XXXX, but Experian states this will be on my credit report until 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 2019-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was scammed off of XXXX from a seller for sporting even tickets in the amount of {$220.00}. The person selling the tickets was wanting to use XXXX. I use XXXX transfers through my Wells Fargo account pretty regularly and this is the first time I have ever been scammed. I then did more research and found that Wells Fargo nor XXXX would be willing to reimburse and track the funds and return them. The seller claimed to only want to use there chase pay or XXXX account attached. I had no idea this could happen.

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 2019-01-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I took out a loan with Speedy Cash. I was paying the loan when my mother had a XXXX and I had to contact Speedy Cash in reference to me leaving town for two weeks. Per Speedy Cash, they will put the loan on hold and once I return to make up the payments. After returning home two weeks later I learned Speedy Cash sent multiply payment through my checking account causing serious problems I had to clear up. I asked Speedy Cash how much was left on my loan so I could complete my payments. I then learn none of my payments was going towards my loan as informed. After calling numerous times to clear this matter Speed Cash has now placed this derogatory information on my credit report. 
Speedy cash then referred me to XXXX XXXX XXXX XXXX. Ive contacted this company and informed them of the problem I had with Speedy Cash in repaying my balance. XXXX  XXXX XXXX stated, oh well I would have to pay what Speedy Cash have listed or contact them again. When I tried calling Speed Cash, they inform me I must speak to XXXX  XXXX XXXX to settle the payment. Ive tried over and over again contacting both companies but the representatives are so unprofessional and rude they refuse to get me to management. 
Now Im getting calls at my place of business several times a day, in which I asked them to stop. The representative stated until I pay the loan they will continue calling me. They call my job stating the police will come to my place of employment to arrest me. They call my friends and family and tell them unless I call XXXX  XXXX within 48 I will be arrested. When I inform them I would file a complaint against them they stated go ahead they going to get me arrested anyway for theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax is reporting a chapter XXXX # bankruptcy on my credit report, I've sent them a letter from the courthouse where they say the information was stored and located at, and the court said that they don't have any record of this bankruptcy, and the court said that they did not verify this information with Equifax or any other 3rd parties, also Equifax sent me a letter saying they verified this information threw another 3rd party company called XXXX, I also have a copy of a letter from XXXX showing I've got a security Freeze on my XXXX credit report, so it's impossible for Equifax to verify this information from them, plus it's against the Law for them to report information from 3rd parties, unless they have singed documents with my signature on it, by law they must delete this item.The other 2 credit Bureaus noticed the mistake, and removed this item, only Equifax refuse to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Ocwen Laon Servicing deleted all my XX/XX/2016 Payment history. 
My payments were {$360.00} dollars amount. 

There is an error on what the amount owed in arrears. OCWEN is stating I have over {$23000.00} in arrears but in actually is somewhere around {$12000.00}. 

I need my XX/XX/2016 statement updated, I ha e actually statements that reflect the mortgage payments. 

Ocwen recently returned my cashiers check of XXXX. 

After discovering this error, I like to request full cooperation from the company. I emailed both the relationship manager and ocwen but no one has returned my request I plan to file bankruptcy to resolve this matter to get this mortgage situation resolve

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 2019-01-04 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: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
Hello, There is a credit inquiry on my reports that I did not authorize. Evidently my credit was checked by Sterling without my consent or knowledge. I have an extended fraud alert on all three of my credit reports which specifically state that any company trying to check my credit must contact me first to verify that it is, in fact me, due to an identity theft. The inquiry was placed on my reports on XX/XX/XXXX. I wrote Sterling on XX/XX/XXXX and notified them that this inquiry was unauthorized, however, they have failed to remove this inquiry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have previously requested Chase not call me on numerous occasions, all of which have been ignored.

I received a call from Chase on Monday, XX/XX/2018 at XXXX XXXX  PST, clearly a violation of the FDCPA. 

See the attached screenshots from my phone, documenting the time they called.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
ECOA, enacted in 1974, prohibits discrimination based on race, color, religion, national origin, sex, marital status, age, source of income or whether a person exercises rights granted under the Consumer Credit Protection Act for any credit transaction and through the life of the loan. Each time I have applied I have been denied and I believe it to be discrimination because of my last name ( a part of my heritage ). I find this game AMEX plays funny and unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ

Complaint narrative:
Wakefield and Associates has been been been doing negative reportings continously, back in XX/XX/XXXX and XX/XX/XXXX they kept on going with the collection calls, Ive asked multiple times ( over 3 times ) to the collection agency that I needed a copy of the statement in oder to take it to my attorney so that i can proof that the debt has been cleared through some legal standing. The collection agency continued with the calls, im still hers in XX/XX/XXXX still waiting on a response. I am sorry but i am not willing to give the collection agency 4 tries in order to just get a copy of my so called debt, they call, i verify, i request my bill, I even take anitiative to confirm my address myself in order to make sure they get it right. I should not have to keep checking up on them, i should have only asked once but they have failed to complete my request but continue to impact my hardworking credit score. I am so far in good standing 's with car payments on time, credit card payments on time but here i am stuck with the with this horrible company.

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