vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
In 2013 I applied for a HAMP modification for my home. My principle balance at that time was {$780000.00}. I was told that I would not qualify for a HAMP modification because my mortgage was over the HAMP limit. The mortgage company told me I am over the celling and will not qualify me for government loan. I had a XXXX at that time and did not know I was being lied to. 

I have now found out that was not true! The HAMP for a two unit home is {$930000.00}. They said I would only qualify for in-house modification. I was ill, under stress of losing my home and not understanding the entire process so I agreed to the in-house modification. 

I have been requesting an answer since to correct the issue and no response. I could have had the government loan and not lose my house. They have accumulated so much debt that my house is worth about {$750.00} and my debt is about {$1.00} on the first and over $ XXXX on the second. 

Even though my monthly payment changed from the agreed amount, I struggled and made the payments all the way through XX/XX/2013. 

I owe so much now due to their error and want it to be fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Every day, for months, Monday through Friday, they call me twice at my place of employment. They call my extension and they call the XXXX XXXX XXXX XXXX XXXX. Every time I pick up and say hello they hang up. I have said, over and over again, to stop calling my work, and yet, every week, every day, twice a day they continue to do so. I have had XXXX XXXX, XXXX and my supervisor speak with them and they continue to harass me. This is my last step before taking legal action.

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 2021-01-08 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: EQUIFAX, INC.
State: OH

Complaint narrative:
This complaint stems from the CFPB complaint filed XX/XX/20. I expected to receive an update or some type of follow-up from the company, Equifax, to which the CFPB report dated XX/XX/20 was filed about. I have called several times and have been unsuccessful at getting any information from Equifax. As this is a US complaint, I have asked to speak to the US call center which I have been denied. I called CFPB directly for help. CFPB said they can do nothing but send my complaint to the company. I am failing to see the point of CFPB. I need help in getting my issue resolved. I have attached irrefutable support to the CFPB complaint dated XX/XX/20 but still nothing. This is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MO

Complaint narrative:
I received a threatening phone call regarding a past debt ... payday loan ... from a XXXX XXXX on XX/XX/2021 who worked for a collection agency collecting on behalf of Ace Cash Express. Even after explaining that I filed a chapter XXXX bankruptcy and it went through he still insisted on harassing me. I have blocked several of his phone numbers.but he keeps calling. The last number he called me from was XXXX and another number of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
During COVID 19 and the month of XXXX-XX/XX/2020, I asked Shellpoint Mortgage Servicing for a three month forbearance which they agreed to provide me because our city was on lock down and being XXXX  XXXX  had no income coming in. I contacted Shellpoint in XXXX and started making payments as they requested to keep the account current. They finally gave me a a twelve month re-payment of the three months that where in the forbearance in XX/XX/2020. 

Since then they have place 120 Late Indicators in my Credit File for the XXXX, XXXX, XXXX, XXXX, XXXX, XXXX & XX/XX/2020 thereby ruining my credit. Since XXXX I have made endless calls asking them to put my account as current since I have not missed any of the payments that they required after the forbearance period but to date no resolutions has been accomplished. They have totally ruined my credit and continue to put 120 day Late indicators on my credit file month after month. They claim that even though they agreed to a repayment of the three months of the forbearance period the loan is not current they will continue placing 120 late payment indicators on my credit history file. 

My account number is XXXX- Shellpoint Mortgage Servicing XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX , SC XXXX Tel. XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EXPERIAN XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance.

I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : 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 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2021-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital one Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2017 Account type Open Account {$3500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-08 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: Ability Recovery Services, LLC
State: GA

Complaint narrative:
Ability recovery services is reporting to the credit agencies stating I owe them money for several accounts. There is absolutely no signed legal documentation for a contract between myself and Ability. I wrote them a letter back in XXXX referencing 15 USC 1692A-E and gave them 30 days to remove from my credit reports. It was delivered and signed for via certified mail. No contact from them has been made as of today.

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 2021-01-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with Credit Acceptance and XXXX XXXX. These two organizations used deceptive and manipulative acts to coerce me into signing a auto contract. The two companies did not disclose my right to rescind. This transaction included a Finance Charge which is the sum of all charges according to the Truth in Lending Act. I was manipulated into paying cash as a down payment and making monthly payments for a vehicle. Violation of the Truth in Lending Act holds XXXX XXXX and Credit Acceptance criminally and civilly liable for noncompliance.

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 2021-01-08 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:
My experian score dated for XXXX was a XXXX. I received a email from experian on XXXX that my score had reduced. I signed on to the experian site, and my score was a XXXX. There was a collection submitted on that very same day. I had no other collections. Within an hour, I contacted the collection agency and they where able to find the account as an error. They removed/deleted the account completely on the same day. However, my score only went up to a XXXX. I tried to rectify this with experian but all they tell you is there is no explanation. Well I find it simple, my score was a XXXX on XXXX, then a collection is submitted on XXXX, then that same day, the collection agency deletes the account and my score only goes up to a XXXX. Experian holds our life 's in their hands, it controls whether we fail or succeed and can't offer an explanation. I want my score correctly reported. I am financing a home, and they have the power to destroy my life.

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 2021-01-08 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: GA

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: ID Analytics, Inc.
State: TN

Complaint narrative:
I received my Sagestream credit report and attempting to dispute information that was not correct but the company did not respond. Sagestream wrote that they use date received from XXXX so I will be adding them to this complaint. I am attaching the disputed information to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
We where disbursed a private Student Loan on the XX/XX/XXXX for {$5000.00} and XX/XX/XXXX for {$5000.00} and only XX/XX/XXXX for {$8500.00}, our co-signer later filed bankruptcy ( who is now deceased ) which had nothing to do with us paying the loan yet Sallie Mae/Navient according to my payment history sent in XXXX charged us a Capitalization Fee of {$4000.00}. 
Why did it matter that our co-signer filed bankruptcy she was not the one going to pay the loan back and the loan never went into default at least I was not sent anything so how could they charge us a capitalization fee? They are telling me these loans will not be paid back until XXXX that is way past 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
In XX/XX/2019 I contacted XXXX services in New York to inquire about opening an account to use their internet services in my new home in XXXX. After learning that the available internet speeds on their service was not satisfactory, I informed the customer service representative I was on the phone with that I was declining service as I was not interested any longer. I proceeded to have internet service installed by another provider. In XX/XX/2019, I received a bill for internet services and for installation from XXXX despite the fact that I indicated I did not want their service during my phone call and I did NOT have any equipment installed at my home. I proceeded to contact XXXX several times over the next few months as they continued to bill me. I spoke with numerous departments and never got it resolved. I have now received debt collection notices from two different debt collection businesses working on behalf of XXXX. The first debt collection notice came in XX/XX/2019 and I sent a letter disputing the debt and did not hear from them again. I received a new notice from a new debt collection business just now regarding this same debt. I can not figure out how to get XXXX to stop seeking collection on a debt I did not incur. I appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was an XXXX XXXX. Due to the COVID restriction, I wasn't able to enter into USA and had to stay in my home country. I stopped using my BofA account. Then I was charged monthly maintenance fee and withdraw limit fee, overdraft fee in the amount of {$330.00}. I have attempted to call BofA to close my account and request fee waiver via international phone call, but the request was declined immediately. 

here are the charges details : Date Description Amount XX/XX/XXXX Monthly maintenance Fee {$12.00} XX/XX/XXXX Overdraft Fee {$35.00} XX/XX/XXXX Overdraft Fee {$35.00} XX/XX/XXXX Overdraft Fee {$35.00} XX/XX/XXXX Monthly maintenance Fee {$12.00} XX/XX/XXXX Monthly maintenance Fee {$12.00} XX/XX/XXXX Monthly maintenance Fee {$12.00} XX/XX/XXXX Withdrawal Limit Fee {$60.00} XX/XX/XXXX Withdrawal Limit Fee {$40.00} XX/XX/XXXX Withdrawal Limit Fee {$60.00} XX/XX/XXXX Withdrawal Limit Fee {$20.00}

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 monetary relief
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: GA

Complaint narrative:
I XXXX XXXX entered into a consumer transaction with Discover. There was a Finance Charge included in this transaction. Discover violated my consumer rights by coercing me into making cash payments when the Finance Charge is the sum of all charges. Discover did not disclose my right to rescind. This is a violation of my Federal Consumer Rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I XXXX XXXX entered into a consumer transaction with WELLS FARGO and XXXX XXXX. These two organizations violated my consumer rights and Federal Law. There was a Finance Charge involving this consumer transaction which is the sum of all charges according to Truth In Lending Act. I was manipulated into making monthly payments and paying cash down for this vehicle. WELLS FARGO and XXXX XXXX did not disclose my right to rescind. This is a violation of my consumer rights.

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 2021-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
In XXXX my husband and I filed for bankruptcy. We filed chapter XXXX, so that we could make payments and keep our house. During the course of our bankruptcy our mortgage was sold a couple of times and ended up with a company called Shellpoint. Since they took over our mortgage is XXXX of XXXX they have refused to take out payments causing us to fall behind in our mortgage. I have tried calling them only to be transferred from person to person and putting on hold literally for hours at a time. I have tried emailing them with no response and sending faxes. They are claiming that we are 30 months behind when they have not even held our mortgage that long and all past due payments were made to the pervious mortgage companies. There negative reporting has also had a dramatic effect on our credit scores which we have been trying to rebuild post bankruptcy ( our bankruptcy was discharged in good standing XX/XX/XXXX ). We just need them to communicate with us, so we can make arrangements to pay our default which they have caused by not accepting our payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'M HAVING ISSUES GETTING MY DISPUTE PROCESSED WITH THE CREDIT BUREAUS

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 2021-01-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I'M HAVING ISSUES GETTING MY DISPUTE PROCESSED WITH THE CREDIT BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: Conn's, Inc.
State: NV

Complaint narrative:
Conns Home Furniture refused to allow a differed arrangement due to Corvid 19 pandemic and insisted that I have to catch up with payment even though I tried to explain to the company on different occasions of my financial struggle due to the Corvid 19. The company representatives that I spoke to on different occasions agreed that I could pay partial payments if I could not pay the whole monthly amount. I had been doing just that as a sign of good faith. But after making such payment, their collection dept keeps calling for more money. They reported to all the credit bureaus that I am 60 days late even though I was making partial payment during the Corvid 19 pandemic that is still raging across the country. As a result of their actions reporting a Negative information to the bureaus, my credit suffers and and I want they to remove the negative remark. I was making partial payment as required by law. The company representative stated to me that the company has nothing to do with the report and that it was the bureaus that reported such. I explained to her that the bureaus do no generate any negative report unless Conns gave it to them.

Company response to consumer: Closed with explanation