vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Ocwen Loan Services, was my original mortgage company until they transferred me to PHH, XXXX c/o PHH Mortgage Services, XXXX XXXX XXXX, XXXX. XXXX, NJ XXXX. 
When Ocwen transferred my account to PHH Mortgage, they added an additional {$120.00} dollars to my mortgage payment without notifying me of the additional money. I called PHH and ask why my mortgage increased. They sent a letter stating that Ocwen added that amount because of property insurance. 
I told them that I have property insurance and flood on my house already. I had insurance last year and for some reason the company dropped my policy and did not notify me. Ocwen sent my an agreement that I could pay for the last five month on installments {$26.00} of the approximate {$370.00}. I agree and began adding {$26.00} every month in addition to my regular mortgage payments. But when they transferred me to the new company ( PHH ) they told me, Ocwen said, the extra {$120.00} would for my escrow account. I told Owen I never had an escrow account because I pay my own taxes and property insurance for the 21 years I live in my house because I could manage my fixed income ( VA XXXX and Social Security when paying my bills. I continued to send the mortgage payments to PHH the amount I usually would send {$500.00} minus the {$120.00}. 
I asked Ocwen to send me a statement of how much I owed the from last year when the property insurance was dropped, they sent me a bill for {$1400.00} for five months. 
The last property insurance company dropped my account onXX/XX/XXXX and I was transferred to PHH XX/XX/29, I sent my mortgage in every month by money order and to PHH that I have not received any statement from Ocwen on what money was due for the last five months. Now Ocwen is documenting on my credit report that I have not paid my mortgage any of it, so I couldn't refinance or modify my mortgage with anyone else because of my low credit rating. This kind of harassment has to stop Ocwen is over charging me for the property insurance agreement that we had They are placing false information on my credit report, and trying to force me into an escrow account that I don't need or want. Please look into this situation to clear up this matter amenably Thank you for your assistance Reply, Reply All or  Forward Send

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
i believe in XX/XX/2019, the federal reserve lowered interest rates. my loan is a variable rate home equity loan. i checked my XX/XX/XXXX statement and they did not lower my interest rate so i called them and they told me it would take a month before it is lowered, i asked to speak to a superior to find out why and was put on hold for 15min and they hung up on me. so i waited for the XX/XX/XXXX statement and the rates have still not been lowered. i called them again and got the same story except it takes two months before it gets lowered i asked to speak to a superior wait 20min and they hung up again. so now im contacting you. by the way when rates go up it seems to affect my rates immediately no months of delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM AT A STANDSTILL AT THIS POINT OF MY LIFE AND THERE IS SO MUCH I WANT TO ACCOMPLISH. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO PLEASE DO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP
State: CA

Complaint narrative:
The XXXX Lanes - known as XXXX have repeatedly attempted to call me, sent me threatening letters and forced me to pay a fee for the XXXX account which I no longer have. They confirmed by email, and I had copies of the statement, showing that the " collection closed '' and that I have made and deactivated the account since XX/XX/2019 ( see copies enclosed ). 

Yet, I just now got a letter from their collection agency, XXXX XXXX XXXX XXXX XXXX, XXXX, stating that I owed {$80.00} as of XX/XX/2019 and that I need to make a payment within 30 days. 

Where does all of this ends? How can we allow these crooks to operate such way. Who regulates company like XXXX XXXX XXXX? How could collection agencies collect a " non-existing '' debt and threatened consumers? Are they using my information to intimidate and bullied me for other purposes?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I was injured in an accident. I am covered 100 % for accidents by my insurance company. Injuries required XXXX. I am covered 100 % for those provided the medical provider contacts the insurance company prior to treatment ( THIS IS IN MY FILE IN BIG LETTERS ... .I WROTE IT THERE MYSELF ). If they do this, I am covered 100 %. 

Bills came, and I was charged more than {$3000.00}. I explained and worked with the hospital repeatedly, for weeks, putting in more than 80 hours on the issue. The insurance provider allowed them to resubmit costs that THEY HAD NOT SUBMITTED PROPERLY BEFORE TREATMENTS. Despite this, they still did not do this right. 

I was told if I did not pay the $ 3K+ I would be turned into collections. I paid under total durress, and told them that. I contacted the ins. company, who hired a 3rd party mediator. Mediator found that they owed me that money back! I have an email for this. I forwarded the email onto the hospital, who became hostile. 

I was turned over to collections for what they now say is even more that I owe them, even tho I paid in full when I was never supposed to have to pay for anything. Now, suddenly, I owe them something even more?? 
The 3rd party mediator does not think so. Neither does my ins company. Both say the hospital did not submit bills right, did not correct them when given the chance, and is double dipping. 

I need help disputing this as now they have turned me over to collections and my score has dropped dramatically. I am a single mom of XXXX kids and now I can't even get a loan. 

When I " disputed '' this with TransUnion, and told them I have a letter of conclusion from the 3rd party saying I am owed a refund, they never even contacted me ... the just said at the end of 30 days that my " investigation into the disputed item was closed '' and I am found to owe the money ... No one on my side of the issue was ever contacted by Trans Union.

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 2019-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
We been dealing with PNC mortgage/XXXX  XXXX XXXX XXXX  XXXX, for over 5 yrs, since XXXX, to try and resolve an issue with them sending back our payments in error in which they sent us a letter stating such mistake. These payments were sent back when they thought we had not made a full payment on a verbal repayment with them, when in reality the payment was a normal mortgage payment, while they had money in a suspense account to cover the rest of the mortgage payment if needed. They admitted their error, asked us to return the payments and when we sent the payments back to PNC, they were rejected again. We have never been approved for ANY other program with PNC to date XX/XX/XXXX. We make enough money and our debt ratio is lower then the threshold. The guidelines used for them are questionable. 
PNC bank and XXXX send false documents to homeowners only to lead to stealing your home right from under you. They also have very unscrupulous lawyers who do this. Their false documents, massive paperwork to prolong the process and the requesting of documents multiple times is ridiculous. 
PNC/XXXX  have not tried to work with us at all during the entire process. We have never had a loan modification nor any other type of program to help with mortgage. The investors are XXXX XXXX XXXX XXXX and they are the ones who do not authorize PNC to do any type of modification. We want to keep our home. We went to federal court with PNC in order to stop them from wrongfully foreclosing on our home, to no avail. The XXXX XXXX XXXX XXXX are the investors who do not offer any assistance whether it is legally supposed to or not. 
I am going to the press to let them know that PNC mortgage and XXXX XXXX XXXX XXXX are fraudulently taking people 's home without finding out the circumstances and not allowing for any type of modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO

Complaint narrative:
We put a contract on a house XX/XX/XXXX. We were preapproved for a VA loan through Carrington Mortgage. From that date until XX/XX/XXXX, we went through all the steps required of a VA loan, including putting our current house on the market XX/XX/XXXX. The seller was also required to give notice for their tenant to vacate, and was forced to go through eviction proceedings, again because of VA requirements. Delays caused by eviction, which was only necessary for a VA loan, delayed our closing multiple times. 

Finally the loan went to underwriting and on XX/XX/XXXX we received a closing disclosure that showed what we would need to close with the VA, which was nearly $ 30K. Our loan officer told us that it was a mistake and we would get a correction. XX/XX/XXXX, nearly two weeks later, Carrington Mortgage notified us that we didn't qualify for a VA loan, and in fact never had qualified since the very beginning of this process. The reason we didn't qualify is because of a formula they should have used at the very beginning. When we contacted XXXX to ask about this, they knew this formula from the very first phone call, without seeing any details of our file. Our loan officer had become aware of this mistake on XX/XX/XXXX and tried to hide it/argue with the VA about it, when it was a formula he should have been aware of and was not subject to negotiation. This is GROSS NEGLIGENCE on the part of Carrington, and in fact neither or loan officer nor his boss was aware of of the formula even though it is clearly provided by the VA. They sent me a copy of the examples provided by the VA. 

On XX/XX/XXXX we were told that we had a week to come up with a 3 % down payment, and our only option in that short amount of time was an IRA loan. Then Carrington continued to make mistakes that further delayed closing and increased our closing costs/down payment. We found out our final down payment amount, which was {$2000.00} more than what we were told on XX/XX/XXXX, and we did not close until XX/XX/XXXX. Our original closing date had been XX/XX/XXXX, and we could have closed then with a conventional loan. Also, all these delays, again 100 % due to the loan officer 's lack of education on the product, caused them to restart our file, and in the process they have placed 2 hard inquiries on our credit. 

Because Carrington went on to cause 10 more weeks of delays after we were forced to list our house on XX/XX/XXXX, we now have a stagnant listing and have been forced to drop the price more than {$11000.00} even though nothing is wrong with the house. Had the house sold when we listed it, we would have incurred thousands of dollars in costs for housing before we could close. Carrington Mortgage should not be allowed to process VA loans when their loan officers are clearly not educated in the requirements and qualifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
They sent me a letter telling me that my information was hacked from the XXXX XXXX so im getting alot of bad reports on my social security numbet

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 2019-10-07 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: NC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For XXXXExperian & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Charges & Accounts from Credit Report under FCRA 605B I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft in XXXX The affected accounts are listed below. 
XXXX/XXXX ACCT : XXXX AMT :  {$1000.00} XXXX/XXXX ACCT : XXXX AMT : {$3400.00} XXXX/XXXX  XXXX  XXXX   ACCT : XXXX AMT : {$880.00} XXXX/XXXX ACCT : XXXX AMT : {$3000.00} XXXX/XXXX  ACCT : XXXX AMT : {$3100.00} XXXX/XXXX ACCT : XXXX AMT : {$640.00} XXXX XXXX   XXXX ACCT : XXXX AMT : {$700.00} XXXX XXXX XXXX  ACCT : XXXX AMT : {$800.00} XXXX/XXXX   ACCT : XXXX AMT : {$660.00} XXXX/XXXX  XXXX XXXX ACCT : XXXX AMT : XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, XXXX and Experian, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures : XX/XX/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 non-monetary relief
Consumer complaint received 2019-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: DC

Complaint narrative:
I am attending XXXX XXXXl while also repaying my loans from XXXX XXXX. I am part of a work repayment program that requires my loans to be in repayment status to get the benefit. Heartland ECSI routinely automatically switches my loans into deferment despite a letter I sent in XXXX of 2018 asking them to place my loans back into repayment and to stop all future updating of my loan status. I sent an identical letter to XXXX, and they have stopped all updating of my payment status and followed my wishes. Heartland ECSI refuses to follow my wishes and make the process for removing the deferment increadibly convoluted and difficult to follow through. Additionally, their customer service reps do not listen to my needs and instead try to convince me that deferment is the right choice. I get the impression that Heartland ECSI does not care to heed my requests and is instead making it purposefully more difficult for me to repay my loans on my schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
This is my second last complaint I am filing in regards to convergent outsourcing. Upon speaking with supervisor today he hung up directly on my face ( call did not drop ). I took care of an account with them back in 2017 AND I WAS STATED THAT IT WOULDNT BE REPORTED ON MY CREDIT REPORTS. fast track to today, and I've been allocating well over 20 hours per week to fix this matter ( started a week ago ) each and every single representative that I am speaking with is lying to me and furthermore I do not apprecite the hang up by the supervisor. This company has been an absolute nightmare to work with and I am in the process of getting an attorney. They have wasted so much of time and are extremely unprofessional.

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 2019-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC.
State: DC

Complaint narrative:
On XX/XX/2019 I found that Sun Trust illegally charged my personal advantage checking account {$20.00} fee by using description " a monthly maintenance fee for XX/XX/2019 statement ''. I truly believe that this is banking error and illegal deduction without my consent. So I contacted this bank immediately by using online secured messages twice. However I never heard anything about my complaint. On XX/XX/XXXX and XX/XX/2019 I sent three emails to both customer care and a branch representative named XXXX XXXX to ask them to reverse this illegal fee {$20.00} because this personal advantage checking account was linked with business account and overall balance was {$10000.00} according to the bank 's terms and conditions and fee schedule. However I never heard anything from both customer care and XXXX XXXX - the person who opened my account in XX/XX/2019. Then I called customer service XXXX three times especially on XX/XX/XXXX and XX/XX/2019 by speaking with XXXX, XXXX and another female supervisor. I clearly stated that I have spent at least 4-5 hours to complained this {$20.00} fee problem caused by Sun trust without any reason. I further stated that not only the bank must return my money {$20.00} but also you have to pay my time {$300.00} per hour for at least 4-5 hours due to ignorance of customer 's complaint. By giving them several times notice I have no choice but to file formal CFPB complaint about this illegal deduction without my consent which severely violated my right and terms & conditions, fee schedules etc. In the past, I also brought anther issue in front of Suntrust due to promotional bonus {$500.00} and {$750.00} for this account. The promotional offer says " a new personal checking account with direct deposit morn than {$500.00} within 60 days of account opening plus 10 debit transactions ''. However I was only paid {$250.00}. I have explained numerous times to Sun Trust that a thief in East coast stole my bank accounts plus my property was illegally taken away. So total cash loss exceed {$100000.00}. 
Therefore this bank still owe me {$500.00} based on the current market rate.

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 2019-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/19 at XXXX I placed an online order with XXXX using my Citibank credit card. When I attempted to personalize the order, I found that their program was not as described, and that I would need to purchase additional food. I canceled the order on the merchant 's website. I received a confirmation email from the merchant at XXXX XX/XX/19 that this order had been canceled. 

When the order appeared on my credit card account, I filed a dispute with Citibank. Within my dispute I identified that the product was not as described ( NOT a full meal replacement program ) and I stated that the order had been canceled within hours of having been initiated. 

Citibank apparently only notified the merchant of the " goods/services not as expected '' portion of my dispute and did not include that the order had been canceled in their contact with the merchant. 

XX/XX/19 I discovered that Citibank had marked this dispute " resolved ''. I contacted Citibank and spoke with their dispute clerks who refused to reopen this dispute. The clerk stated that on XX/XX/19 Citibank sent me a notice to the messaging center within Citibank 's website, but this clerk admitted that Citibank never emailed me, called me or sent me a letter. He told me that I, as a customer, am expected to " check the messaging center every day '' in the event Citibank has sent me a notice. I find this ridiculous. 

Citibank failed to properly adjudicate this dispute. I have documentation to verify that this order was canceled within hours of being placed. Citibank never requested documentation or asked any questions. They apparently just sent a form letter to the merchant and, without contacting me for documentation, " resolved '' this dispute.

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