vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH mortgage assumed servicing of my mortgage in XX/XX/XXXX. Servicing included mortgage payment as well as home insurance and property taxes, payments for which were held in escrow. 

PHH failed to pay our home insurance before it expired on XX/XX/XXXX. According to them they attempted to contact our home insurance company in XXXX, which is after the policy was set to expire. Our home insurance policy lapsed when PHH failed to pay the company. By the time we realized that PHH had not paid to renew our home insurance we had to pay an extra {$80.00} of increased premium to get a new policy on our home. 

On XX/XX/XXXX PHH sends us a letter saying we had lapsed coverage and is informing us we will be charge {$170.00} for the lapsed coverage. Attempts to contact in PHH to dispute the charge resulted being transferred to one call center supervisor after another despite asking to speak to a supervisor at PHH. After an hour spoke to someone who said she was in the insurance department ( Her supervisor also could not be reached ). Of the 10 people I spoke to, none at PHH seems to be aware that PHH has to pay escrow obligations timely. 

PHH has cost us {$80.00} in increased policy premiums now wants us to pay {$170.00} for their negligence. There is no way to contact anyone in this company when they threatened to confiscate money from your escrow account. They should not be licensed to handle people 's money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-10 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: GA

Complaint narrative:
On my XXXX XXXX Account you have a late payment listed for the month of XX/XX/18. 
I have never been late on any payments. 
According to the FCRA information reported must be reported accurately.

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 2020-08-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On my XXXX XXXX Account you have a late payment listed for the month of XX/XX/18. 
I have never been late on any payments. 
According to the FCRA information reported must be reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: FL

Complaint narrative:
Portfolio Recovery LLC, is not compliant with their obligation to correct inaccuracy of the disputed accounts that they are reporting : # XXXX and are ignoring my request to explain the following inaccuracies in violation of credit reporting and collection laws and instead sending a generic response to validation : 1. The highest balance on XX/XX/XXXX-XX/XX/XXXX statement of {$2600.00} does not match the amount that you claim of {$3400.00}. No explanation of the difference and how they calculated the amount of {$3400.00}. 2. They did not enclose the original application with my signature. 3. The date of First Delinquency with original creditor is not provided. 4. The end of the 7 year reporting period is not listed. 5. Date of first Major Delinquency is not listed. 6. Charge off Amount is not provided. Also, please provide the same information for the second disputed account. Last, but most important - address on the statements ( XXXX, XXXX ) is not my address. My address is in XXXX and previous address in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX XXXXnd there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX {$2000.00} XXXX XXXX  XXXX {$1500.00} XXXX XXXX {$1700.00} XXXX XXXX {$1000.00} XXXX XXXX {$3500.00} XXXX XXXX {$650.00} XXXX XXXX {$1000.00} XXXX XXXX {$2600.00} US DEP ED XXXX {$20000.00} XXXX  XXXX  XXXX {$450.00} XXXX XXXX   XXXX {$610.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX {$71.00} XXXX XXXX  XXXX {$250.00} XXXX XXXX {$24000.00} US DEP ED XXXX {$25000.00} XXXX XXXX {$4300.00} XXXX XXXX {$870.00}

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 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXXXXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX {$2000.00} XXXX XXXX  XXXX {$1500.00} XXXX XXXX {$1700.00} XXXX XXXX {$1000.00} XXXX XXXX {$3500.00} XXXX XXXX {$650.00} XXXX XXXX {$1000.00} XXXX XXXX {$2600.00} US DEP ED XXXX {$20000.00} XXXX   XXXX XXXX {$450.00} XXXX XXXX   XXXX {$610.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX {$71.00} XXXX XXXX XXXX {$250.00} XXXX XXXX {$24000.00} US DEP ED XXXX {$25000.00} XXXX XXXX {$4300.00} XXXX XXXX {$870.00}

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 2020-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
I am trying to tread with my stocks and i can't do so with you all not being able to let my acoount connect toit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: PA

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$25000.00} XXXX XXXX XXXX XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have submitted a dispute several times in reference to a credit card reporting late. I was never late with this account and verified by the bank. XXXX refuses to update and remove without verification. I will seek legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: VA

Complaint narrative:
This is a new " old '' request for Experian. Thank you for updating my correct address. However, on the website, I am unable to see the actual results. I have attached what I was able to " see ''. Thank you for adding my personal statement. However, I wish to adjust that statement based upon encounters with XXXX and Experian.

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 2020-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
-multiple debt verification inquiries were sent to the opposing party, asking for signed documents that validate debt. I never received any validating documents. The most recent inquiry sent on XX/XX/20 -current account is reporting inaccurately on all three of my credit reports, dispite the known and highlighted inaccuracies that were provided as proof in the form of all three major credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
This is my 4th complaint. I have never got a resolution. I have paid over XXXX dollars to Bank of America. My next stop is litigation. 

" I am submitting another complaint because I could not upload all the documents ''. This has been an ongoing nightmare for 18 months. I applied for a mortgage modification because I was in default for XXXX on XX/XX/XXXX. XXXX. It was a payment of XXXX. Bank Of American prolonged this until XX/XX/XXXX, because they wanted to add fees to the account. I sent in document after document for 11 months. I could not pay the XXXX dollars off because they added XXXX dollars to the total amount. When I got the document papers, I was told the trial payment was for almost XXXX instead of the XXXX I was told they added escrow payments. I pay escrow payments to my primary mortgage. I sent document after document to Bank of America. I paid XXXX for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and I was told my payment for XXXX was XXXX. Ironically, a paid the payment with a representative. I received a note from BOA saying my bank account was not found. ( enclosed ) On XXXX XXXX I received another document from BOA entitled trial modification ( these are enclosed ) saying my payments would be {$380.00}. The documents had to be received by XX/XX/XXXX. Again they added the escrow and added in {$2.00}, XXXX. They keep adding these " third party expenses '' to my balance. They have added it 3 times. I am begging your agency to help me. I am enclosing my primary mortgage statement to verify I am paying my escrow to XXXX. I am enclosing the documents that BOA sent me. I am enclosing the XXXX payment that BOA claims they cant find my account at XXXX XXXX ATTACHMENTS Image ( 12 ) .jpg ( 418.3 KB ) Image ( 13 ) .jpg ( 373.4 KB )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I requested assistance under their COVID-19 guidelines posted on their bill payment website. I was allowed to defer 2 monthly payments under the CARES Act. Citibank then turned around and reduced by credit limit my more than one half the original limit. This is the second card they have done this on ( Costco Visa and XXXX XXXX ). I expect more to come by Citibank. By doing this it now reflects on my credit report I'm at 98 % usage on the credit card. Citibank purposefully adversely affected my credit report without telling me they would do this. Their excuse was my payments were lower than expected. However, I made every minimum monthly payment on time the last several years and 100 % of the time made more than the minimum payment required.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-10 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: AR

Complaint narrative:
I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. US DEPT ED XXXX {$4800.00} US DEPT ED XXXX {$5300.00} US DEPT ED XXXX {$5000.00} US DEPT ED XXXX {$1700.00} US DEPT ED XXXX {$2600.00} US DEPT ED XXXX {$2600.00} US DEPT ED XXXX {$1300.00} US DEPT ED XXXX {$880.00} XXXX XXXXXXXX {$3500.00} XXXX XXXX XXXX {$2000.00} DEPTEDXXXX   XXXX {$2700.00} XXXX  XXXX {$3000.00} XXXX XXXX {$8200.00} XXXX XXXX XXXX {$670.00} XXXX XXXX   XXXX {$6900.00} XXXX   XXXX {$1000.00} US DEPT ED XXXX {$4800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: TX

Complaint narrative:
I have sent Trans Union numerous letters to get my personal information correct ... They will correct it and then place the information BACK on my credit report. 

I am demanding to have my work information removed from from my Trans Union credit report ( all 3 bureau reports )

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 2020-08-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Company is trying to collect outstanding interest after loan of {$500.00} was paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$25000.00} XXXX XXXX XXXX XXXX {$1100.00}

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 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$25000.00} XXXX XXXX XXXX XXXX {$1100.00}

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 2020-08-10 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: FL

Complaint narrative:
The following accounts are fraud accounts that were opened without my knowledge or consent : 1. XXXX XXXX XXXX # XXXX 2. XXXX XXXX Account XXXX 3. XXXX XXXX Account XXXX I attach an FTC identity fraud affidavit, please investigate and delete these fraud accounts.

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 2020-08-10 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Lending Services LLC
State: CO

Complaint narrative:
Global Lending Services has called me 3-6 times a day for the last three weeks, amounting to more than 60 calls from several different phone numbers. They call at all hours of the day, ranging from XXXX MST all the way to XXXX MST. They even call on weekends. 

Most recently, this company has tracked down my family members and started calling them as well. Neither of my parents co-signed on this lease and it is absolutely wrong of them to call my family members. They always leave a voicemail without stating their name or what they're calling about. 

My mother texted me today ( XX/XX/XXXX ) to say she receive yet another call. This needs to stop NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I have submitted multiple disputes for this account with credit bureau in writing and electronically beginning on XX/XX/2019. I have also sent the company that has the debt a debt validation on XX/XX/2019. Every time I dispute this or send a letter i get we validated this debt without showing the proper documents to support their case.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: AL

Complaint narrative:
On XX/XX/XXXX I was furloughed from my full-time job due to the Covid-19 and I wrote my part-time job to informed that I would not return to work as well. I applied for unemployment on XX/XX/XXXX, because I received a letter from my full-time that I would be furlough   till XX/XX/XXXX. I got approved for unemployment on Effective XXXX XXXX - XX/XX/XXXX but no longer receive due to returning to work at the part-time job. However, due to Covid-19 my full -time position was no longer needed per CFO. I decided to return to my part-time job on XX/XX/XXXX. Well on XX/XX/XXXX, I received a letter that my pay check will be garnish on XX/XX/XXXX and I was never at work to received the Process of Garnishment letter because I was out on leave and I was unable to respond in the 30 days time frame to the Debt collector. Now I am being garnish for {$6000.00} and not able to reduce the percentage. I feel that this is unlawful and I never even sign any court documents in the first place to even get my wages garnished or to know that my wages will be garnish. I feel that both parties should be held responsible.

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 2020-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Today, XX/XX/2020, and several times by phone over the past five years, I have contacted Lowes Visa because I never received my rewards. I made sure they had my current address and phone number. Checked to see why I stopped receiving my rewards. They have never sent them. They say they'll fix it, but never do. Their rewards card is a fraud.

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 2020-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hello - I am filing complaint against American Express for not issuing check on time for the positive amount on my account. I filed the request on XX/XX/17. When contact, they just keep creating new cases with 7 day response time.

Company response to consumer: Closed with monetary relief