vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ovation Financial Services, LLC
State: TX

Complaint narrative:
COMPANY : OVATION SERVICES LLC. XXXX XXXX XXXX, XXXX XXXX, FL PAYMENT ADDRESS : OVATION SERVICES LLC XXXX XXXX XXXX XXXX, TEXAS COMPLAINT : I KEEP GETTING LATE CHARGES AND OTHER CHARGES AND I NEVER GET CREDIT FOR MY FULL PAYMENT. THEY KEEP RECORDING LESS THAN WHAT MY PAYMENT IS. I HAVE ALREADY CALLED AND THEY FIX IT FOR ONE OR TWO MONTHS AND THEY GO BACK TO THE SAME OLD WAY OF POSTING OR CREDITING MY ACCTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Prince Parker & Associates
State: AR

Complaint narrative:
This account I have disputed over the past 60 days with a company by the name of Prince Parker & Associates does not belong to me and was the result of identity fraud/ Despite my previous disputes with both TXXXX and Prince Parker Associates the fraudulent account still remains on my credit file. Prince Parker Associates has intentionally violated THE FAIR DEBT COLLECTION PRACTICE ACT 15 USC 1692e 8 which states " Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a debt is disputed. On the other hand XXXX  has failed to respond within 30 days of my initial dispute which is a violation of the Fair Credit Reporting Act in addition to not blocking fraudulent information upon being notified by consumer within 4 days per section 605b. These actions are considered illegal under the laws that govern the consumer reporting agencies as well as Debt collectors and both parties should and must be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: AL

Complaint narrative:
My name 's XXXX XXXX and when I got XXXX  I didn't have a bank account at first so opted to have a debit card sent to me, it is trough a company called way2go card or eppicard and from Conduent! Now I've had trouble with this company from the start. Originally had to cancel the first card because I never received it. The. Ordered one through XXXX. Finally got the card activated it and started to use it. It worked for couple transactions then started declining everything, I came home and called them, after several hours and being hung up on a few times finally got all ahold of someone and they said it would be fixed within 24 hours. Well after 24 hours I went to town and started using it again and the same thing happened, it worked for a few transactions then started declining every transaction. I came home again and proceeded to call the company again and after a four hour wait was finally able to talk to them again and his one they said it would be fixed within 24-48 hours and I wouldn't have any more trouble. Well I waited 48 hours and decided I'd call them before I went out or town this time to avoid looking crazy at the store it it declined again. It took another 3 hours to talk to someone and this time they said my account had been locked and in order to unlock it I had to send in a picture of my ID or SS card and Birth certificate, now I waited 19 weeks to get my unemployment and there was {$9300.00} on my card when I received it and now it's locked with over {$8000.00} on it and I think they are trying to take my money! I've since switched my payments to direct deposit but this company will not transfer my money to my bank account! My powers been turned off, my rents due and barely have any food! This is crazy I had set up text alerts from the first time I activated the card and never received the first alert! I want my money but don't trust this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Got an Experian alert and saw that my XXXX score had decreased by XXXX points after it had increased by XXXX points XXXX from XXXX to XXXX XXXX. Since I have done absolutely nothing to cause this decrease and have actually done everything right, i called. Well. Theyre not helpful. XXXX on behalf of Experian says theres nothing they can do. So the decrease was capricious on the part of Experian and Im not supposed to know what caused it. The boost is an illusion and yet another scam. These credit bureaus have too much power on the lives of consumers and they do what they want. There should be a way to dispute this mysterious activity without spending hours trying to find a phone number to call and then get a shuffle of responsibility. Middle of a pandemic and theyre sitting like vultures in on it with the greedy banks ready to descend upon you and your future and eat you alive preferably.

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 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was tricked into freezing my credit beause thats what experrian advertised as to help me and it has made things worse for my credit!! I have not been able to release the credit freeze on my credit and its messing up all my credit I cant do anything I have no money Im a single mother and I need help pleases.

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 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
T

HESE COLLECTION RECOVERY COMPANIES ARE DISGUISING THEIR NAMES UNDER DIFFERENT NAMES TO CONTINUE TO POST COLLECTION AMOUNTS THAT WERE DELETED FROM MY CREDIT REPORT 7 YEARS AGO IN VIOLATION OF THE FAIR CREDIT REPORTING POLICIES. THESE DEBTS ARE FRAUDULENT AND WERE REMOVED FROM MY CREDIT REPORT FOR THAT PURPOSE, HOWEVER THESE AGGRESSIVE DEBT COLLECTORS CONTINUE TO HARASS ME ON A CONTINUAL BASIS. i AM NOW PREPARED TO FILE A LAWSUIT IN THIS MATTER, FOR HARASSMENT IF THIS CONTINUES.
THIS DEBT ATTACHED ID FRAUDULENT AND NEEDS TO BE REMOVED IMMEDIATELY.

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 2020-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI

Complaint narrative:
As refrence prior complaint XXXX in regards to FCRA none of these issues have been corrected per a response from Carrington Mortgage dated XX/XX/XXXX by referencing CFPB that they could supress info 60 days after a QWR derogatory reporting began on my account on XX/XX/XXXX I had not submitted a QWR until XX/XX/XXXX and there after only on the dates of XXXX, and XX/XX/XXXX of XXXX so as it stands my FCRA should have been accurate by XX/XX/XXXX it's not and in fact by their own admission the XX/XX/XXXX payment that was reversed was reported a missed payment when that was false.On XX/XX/XXXX I made a payment in the amount of XXXX and additional XXXX to Escrow account which dropped my payment to XXXX. With no payment due until XX/XX/XXXX On XX/XX/XXXX I made a payment in the amount of XXXX and an additional XXXX to my Escrow account which then dropped my payment to XXXX with the next due date of XXXX a response letter sent to the Department of Financial Services and myself dated XX/XX/XXXX that they didn't submit in full detail to CFPB pg XXXX states they added XXXX to my XXXX payment.Which is false the payment on XXXX in the amount of XXXX was all that was due there was no necessity to add anything per the additional Escrow payment on XXXX the account was paid in advance on XXXX no payment was due until XXXX in the amount of XXXX due to the additional XXXX paid to Escrow account. Carrington Mortgage Services has not added any funds to any monthly payment nor was it necessary to do so no amount of XXXX was due. 
Per pg 3 of the response on XX/XX/XXXX it was stated my taxes were projected at XXXX used to calculate my Escrow payment which was inaccurate as well my taxes were XXXX paid on XXXXPage 3 of response dated XX/XX/XXXX also references XXXX being placed in suspense on XX/XX/XXXX for which a falsified proof of claim was submitted to Federal Court on XX/XX/XXXX when all my account information per their own website showed the account not only current but paid in advance as well as monthly statements reflect corresponding information. FHA/HUD have also reviewed the loan/account and confirmed paid in advance on XXXXOn XXXX as well per Carrington Mortgage Services response that XXXX was attempted to be reapplied without success when no reversals alterations or were ever necessary my information should have remained in a factual state.To add insult to injury a full correction should have occurred on XX/XX/XXXX per the Carrington Mortgage Services response letter dated XX/XX/XXXX now another letter dated XX/XX/XXXX asking an additional 7-10 days is beyond comprehension.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have had a citibank credit card since XXXX. At some point they fraudently enrolled me into a program called Payment Safeguard. I am not sure when it happened but from at least XX/XX/XXXX to Current, I was charged {$570.00} dollars. The website does not allow me to see anything prior unless I order statements. Payment Safeguard sent a claim to Citi to refund me but Citi won't talk to me. I emailed on XXXX, I sent a letter on XX/XX/XXXX, and a fax on XX/XX/XXXX. I have called several times and they just keep transferring me to different people. I am sure in total exceed the {$570.00} but all I was asking was to be refunded. I went ahead and paid the card off because they were going to charge me late fees. I never signed up for or asked for this program. I didn't know they were allowed to.

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 2020-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
My name is XXXX XXXX. I am making this complaint because I opened a bluebird prepaid account with the intent of having Unemployment funds direct deposited into the account. I waited 2 months for the unemployment funds to go through. When they finally did. The unemployment agency from the state of Arizona deposited funds into the account in the amount of {$12000.00}. I was notified by the bluebird agency through email that the deposit had taken place. When I went to check my card, the balance said XXXX. I then called the bluebird agency. Who then informed me that my account had been locked, but would not tell me why or what I had done. They would only say that I violated some agreement, but wouldn't tell me what it was. They then told me that the only way that I could resolve the issue or get an answer was to write a letter to the corporate office in Georgia. I have done this twice, and I have received no response, except for an additional E mail stating that I had needed to write a letter to their office, which I have done. It has been a month and I ever recieved no statement from the company and they have not released my funds This company is holding funds that I desperately need, and that were awarded to me from the state of Arizona 's unemployment office. Any assistance you could provide me in this matter would be greatly appreciated. I would like my funds released to me as I desperately need them. You can Reach me via phone ( XXXX ) XXXX or via email XXXX Thank you I hope to hear from you soon. I have also Uploaded a copy of the letter that I sent to the company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Some time around late XXXX, early XXXX, I requested a forbearance from my Mortgage company Specialized Loan Servicing. I was granted the forbearance and received a letter stating that I was approved. Approx 6 weeks into the forbearance I was informed that a forbearance would hinder me getting a refinance. I called S.L.S to cancel the forbearance. I was advised to make a payment first, wait till the payment was received, then to cancel so the account would not show a delinquent balance. I did all of the things I was advised to. I followed up with S.L.S customer service to cancel. I was assured that my account was now active and current. Approx 20 days later I called S.L.S back due to missed  calls on my cell phone from them. I called them back to inquire what the issue was. I found out that the money I had sent to get my account active and out of forbearance had been cashed and was sitting in a account as unapplied funds and that the forberance was still on my account. I once again asked that the money be applied to my account and to be taken out of forbearance. A few months passed and I tried to get a refinance. I found out that my credit report currently shows Forbearance/deferment. with this showing, I can not proceed with the refinance. I have spoken with Customer Service@S.L.S approx 8 times and was told that they would send me a letter with the date on it from my cancelling the forbearance. The letters never arrive and when I called back and spoke to a supervisor, I was told that they could not give my anything on paper. I told them I needed to submit something in writing to get the refinance. S.L.S finally sent me a letter by email stating that my forbearance had ended, but they did not put the date that it ended, which I had explained to them that was very important. it has now gotten to the point where I am not getting calls back and the negative still show on my credit. I am starting to suspect that S.L.S purposefully did not remove the Forbearance from my account to pad their forbearance numbers or some other illegal activities. All I am requesting is for S.L.S to accurately report the information to the credit Bureaus and to give me the letter stating when I cancelled the forbearance.

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 2020-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IN

Complaint narrative:
I have contacted my mortgage company a few days after my escrow information had come out. i had noticed that they did not adjust my total amount due to accurately reflect my escrow account. they raised my mortgage payment over {$100.00} per month. it was supposed to be fixed by XX/XX/XXXX, XXXX it still had not been fixed as of XX/XX/XXXX, XXXX i have since contacted them 3 times about it and i get no response. now my payment is due and they refuse to do anything about it. i sent them the revised tax bill now 4 times. no response. this company is TERRIBLE.

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 2020-10-20 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: Shellpoint Partners, LLC
State: UT

Complaint narrative:
SHELLPOINT is reporting inaccurate information on my credit. I recently checked my credit and noticed I had a few late notations on my file. I applied for forbearance and was accepted. I was advised by a representative of SHELLPOINT that no lates would be reported due to the forbearance status. These lates are inaccurate! I have had multiple accounts with you and have never been late. Also, under the CARES Act you can not report year 2020 lates. I have been a long time customer and am very disappointed about this. I need this removed ASAP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
This is my complaint. The company is XXXX XXXX XXXX, a debt collections company. I owed a bill, which I was not even aware of until it showed up on my credit report. I paid the bill On XX/XX/2020. I was told that it would be reported to the credit bureaus within 30-45 days, and that it would also be removed. I have made several calls, spoke to several reps, and supervisors, which, I have names, dates, and times, and NONE OF THIS HAS BEEN DONE!!. I keep being told that they sent a letter in XXXX, however, I have checked my credit report bi-weekly, and it has not been reported at all. Please assist me in this matter, or give me some direction as to how to get them to do what they are suppose to do. Thank you in advance. The amount was for {$300.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have two accounts with Synchrony Bank for a store called XXXX XXXX. One account has my husband as the primary and the other has me as the primary. We have been paying these cards down for over a year and on XX/XX/2020 I overpaid my husband 's account by {$440.00}. I realized this and called Synchrony Bank on XX/XX/XXXX. I asked them if they could move that money over to my primary account and they said no. They said we only refund through checks. I waited four weeks and no check came. During that time we did not have funds for my primary account to get paid and I received a letter saying my credit limit went down {$3000.00} and I was reported to the credit bureaus and received harassing phone calls daily. We are down one income and Synchrony bank purposely XXXX  me. I want my credit limit back up, the credit bureaus told it was their fault and made right. On XX/XX/XXXX when I called into synchrony about the overpayment, they said they would send out a check to be here within 7-15 days. I said ok. I counted on that check and because we didn't have the money in our account at that time, we were charged {$200.00} bank fees. On XX/XX/XXXX I believe it was I called synchrony bank back and told them I never received the check. I told her to overnight it to me as I needed the money and she said no, they don't do that. They will send out another check which I will receive in 7-15 days. They refused to overnight it again even though it was their error. Today is XX/XX/XXXX and I called again only to be told oops, they did mail it out, but not sure what happened. During these three months I have received every statement for each month without a problem, but no check. I am told constantly that it can't be their XXXX up and it must be the post office. I'm sorry, but everything else makes it to my mailbox so doubtful two checks just didn't get here. this is a multi-billion dollar company that uses offshore assistance to save even more money and they can not handle giving someone their money back? They XXXX me one way and now another. Their interest rates are already appalling. This is theft and fraudulent accounting to credit bureaus. Why do you let them get away with this? At this point I should be able to get a check overnighted or a transfer of funds back into my bank account since that is how they are paid. During covid they have no ability to do be honest, do their part as best they can and give grace to customers that they have made plenty off of.

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 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THESE COLLECTION RECOVERY COMPANIES ARE DISGUISING THEIR NAMES UNDER DIFFERENT NAMES TO CONTINUE TO POST COLLECTION AMOUNTS THAT WERE DELETED FROM MY CREDIT REPORT 7 YEARS AGO IN VIOLATION OF THE FAIR CREDIT REPORTING POLICIES. 

THESE DEBTS ARE FRAUDULENT AND WERE REMOVED FROM MY CREDIT REPORT FOR THAT PURPOSE, HOWEVER THESE AGGRESSIVE DEBT COLLECTORS CONTINUE TO HARASS ME ON A CONTINUAL BASIS. i AM NOW PREPARED TO FILE A LAWSUIT IN THIS MATTER, FOR HARASSMENT IF THIS CONTINUES. 

THIS DEBT ATTACHED ID FRAUDULENT AND NEEDS TO BE REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THESE COLLECTION RECOVERY COMPANIES ARE DISGUISING THEIR NAMES UNDER DIFFERENT NAMES TO CONTINUE TO POST COLLECTION AMOUNTS THAT WERE DELETED FROM MY CREDIT REPORT 7 YEARS AGO IN VIOLATION OF THE FAIR CREDIT REPORTING POLICIES. 

THESE DEBTS ARE FRAUDULENT AND WERE REMOVED FROM MY CREDIT REPORT FOR THAT PURPOSE, HOWEVER THESE AGGRESSIVE DEBT COLLECTORS CONTINUE TO HARASS ME ON A CONTINUAL BASIS. i AM NOW PREPARED TO FILE A LAWSUIT IN THIS MATTER, FOR HARASSMENT IF THIS CONTINUES. 

THIS DEBT ATTACHED ID FRAUDULENT AND NEEDS TO BE REMOVED IMMEDIATELY.

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