vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I have been trying to work with PHH Mortgage for several weeks over my loan modification. My loan matured in XX/XX/XXXX and I was not notified until XX/XX/XXXX. I asked PHH if they ever called me or sent an email to let me know of the loan maturation as I did not remember from when the loan was given in XXXX. PHH informed me they never called nor did they email, but they said a letter was sent in XX/XX/XXXX, but could not prove the letter was ever sent as there is no tracking or signature for the letter. 

On XX/XX/XXXX PHH said my application was " complete '' and furnished a letter saying the same. On XX/XX/XXXX I talked to XXXX, my customer representative who said I was missing documents and my application was not complete. I asked to talk to XXXX, his supervisor, who never called me back as of XX/XX/XXXX. I talked to another supervisor who said I did not need to supply all the documents I was told to supply and he would make my case a " top priority '' and would " expedite '' the process and he would call me back with an update. I never received another call from this person and when I called on XX/XX/XXXX I was promised things would be reviewed. I never heard back on XX/XX/XXXX and I called back on XX/XX/XXXX and was told I needed more documents I had not been told about. On XX/XX/XXXX I was once again asked for more documents, this time by XXXX. I was told I needed to do a hardship letter, which was asked for by XXXX XXXX XXXX, the investor. This request came through on XX/XX/XXXX and I was not told until XX/XX/XXXX. I asked if this was normal or just something pertaining to me. XXXX said this never happens, which leads me to believe they are discriminating against me for some reason. I have yet to hear from the supervisor who said he would call me back, even after calling three times today. 

PHH has been impotent, incompetent and irresponsible. They have forced me to stay with them for this modification and loan as I can not get a loan with any other organization since I am now delinquent on the loan. My credit score, which was over 750 is now in the low 600 's, making getting a HELC impossible as well. They are forcing me into their program at whatever rate they want as they know I can not go anywhere else, which is predatory in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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:
i check my credit report and notice some inaccurate addresses on my report thats not mine and i would like for them to be delete it from my credit report.i have attached an update letter to correct my personal information stated on XX/XX/2020 to the XXXX, EQUIFAX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: GA

Complaint narrative:
i check my credit report and notice some inaccurate addresses on my report thats not mine and i would like for them to be delete it from my credit report.i have attached an update letter to correct my personal information stated on XX/XX/2020 to the XXXX 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 2020-07-31 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
What happened here is I sent out dispute letters to the three credit  bureaus and I haven't gotten anything from them yet. Specific dates are XX/XX/XXXX of 2020. Today is XX/XX/XXXX of 2020 so it's been a month and 20 days or 50 days if you prefer. I believe that is plenty of time to have received anything back even with COVID delays. 

Please have all three credit bureaus investigate for me and send me something back.

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 2020-07-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: TN

Complaint narrative:
Hello. I've been having problems with citizens One mortgage Company. Out of XXXX Rhode island main office. basically they are trying to deceive me into refinancing. I'm not getting a straight answer, I've been doing this for over three weeks trying to get them to explain the process of deferring payment to the end of the loan which is a program that was set out by XXXX XXXX  as a XX/XX/XXXX.. this is a program to defer payment to the end of the loan without affecting current mortgage. I have asked to talk to a manager I ask for email. Especially when the representative have all given me misinformation or was not able to explain. I have faxed over information about the deferral program last week I have gotten no response. I have fact over to them, two other times, asking for a response. my loan number with this company is XXXX. The company representatives and refused to give me any email address or talk to any manager. also I've been put on a customer in a customer cube for a callback they do not return all their calls especially in the evening. And also they have stated and put information in the system saving that they call you and your phone was busy and none of that is true. my cell phone recorder is all incoming calls and I have a voicemail that set up. There are phone records of all my conversations with that company which shows I have tried to talk to the company, which is all on call log records under my loan number. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I brought a XXXX XXXX XXXX in XXXX and paid it off, JPMorgan chase bank turned around and said I own {$2100.00} and send my name to credit bureau I have requested for them to validate their claim they are not able because it is a false claim, and has ignored all my request. I am requesting that they should remove this charge off from XXXX which has pass status of limitation from my credit, it is causing a hard time as to getting other loan and bettering my credit. 

Thank

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: TX

Complaint narrative:
I have filed my Identity thief report an my police report I have notified Experian of the inaccurate information still being reported on my file as of today XXXX XXXX Experian report number XXXX The Name XXXX XXXX XXXX appeared on my report I contact the mixed file department, the fraud department I have been transferred to three different reps whom English is not good. I want this removed from my report also the paid in full account in which I have informed them was not opened by me From XXXX  showing up on my report. I submitted the this account on my identity thief report They send me information stating they have investigated this matter an still have not updated my file. 

.

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 2020-07-31 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent a letter to Transunion on XX/XX/2020 regarding an inaccurate account on my credit report. They never replied. I sent a second letter on XX/XX/2020. Still no reply. It has been more than 60 days. They must fix or remove the account because it has been more than 60 days. Transunion is in violation of 611 ( a ) of the fair credit reporting act.

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 2020-07-31 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc.
State: CA

Complaint narrative:
Last year in XX/XX/XXXX, I XXXX XXXX XXXX and went to XXXX XXXX XXXX  XXXX XXXX to fix the XXXX. My health insurance, XXXX XXXX XXXX, which I have through my university XXXX XXXX, did not cover the claim. Later on, I called to fix the issue, as it was understood that during the Summer Break I did not need a referral by my physician to get an x-ray or receive the care. The issue was resolved, and I was under the belief that I had already paid my full amount ( ~ {$140.00} ). 

A year later, I received a bill from XXXX XXXX claiming I owed {$190.00}. Immediately, I called XXXX XXXX XXXX to resolve the issue. In a three-way call with XXXX, XXXX XXXX, and myself in XX/XX/XXXX, it was agreed that I only owed {$30.00} because XXXX had made an error. XXXX XXXX agreed to send me a new bill for that amount, which I have been waiting on for a few weeks. 

Unfortunately, near the end of XX/XX/XXXX, I checked my credit score and noticed that it had dropped significantly as a result of a collections claim for {$120.00} from the First Federal Credit Control ( XXXX XXXX, XXXX ). I have repeatedly try to call him to dispute the claim, but after several calls and emails, I have never received a response. 

I contacted XXXX XXXX XXXX, who initially disputed the earlier call claiming I only owed {$30.00}. However, after contacting XXXX XXXX XXXX  billing department, they had proof that XXXX agreed to cover the majority of the claim and that I only owed {$30.00}. XXXX XXXX however did tell me that I needed to contact First Federal Credit Control to pay my {$30.00}, but they have been evasive and not answering my phone calls. As a student, my credit score is a major part of my financial security in the future, and I am very upset that it is currently on my record. I would've paid the current amount of {$30.00} in XX/XX/XXXX, but because of the mistakes made by XXXX XXXX XXXX, my credit scored has severely dropped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
My mortgage loan # XXXX with US Bank Mortgage was paid in full on XX/XX/2020. I called customer service today and spoke with XXXX who acknowledge that the loan had been paid in full and said that I would receive my escrow funds ( almost {$4000.00} ) in 30 days or near the end of XX/XX/2020. She could offer no explanation for the length of time other than to note that a check had to be mailed. I should be able to receive a my escrowed funds in a commercially reasonable time or one to two weeks. It is not fair to keep this money for that long.

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 2020-07-31 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
What happened here is I sent out dispute letters to the three credit bureaus and I haven't gotten anything from them yet. Specific dates are XX/XX/2020. Today is XX/XX/2020 so it's been a month and 20 days or 50 days if you prefer. I believe that is plenty of time to have received anything back even with COVID delays. 

Please have all three credit bureaus investigate for me and send me something back.

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 2020-07-31 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
What happened here is I sent out dispute letters to the three credit bureaus and I haven't gotten anything from them yet. Specific dates are XX/XX/XXXX of 2020. Today is XX/XX/XXXX of 2020 so it's been a month and 20 days or 50 days if you prefer. I believe that is plenty of time to have received anything back even with COVID delays. 

Please have all three credit bureaus investigate for me and send me something back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Received a call from collections to my home phone where the information of alleged debt ( amount, dates acquired, etc ) were discussed with someone other than me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: VA

Complaint narrative:
Online harassment concerning loans. Question whether the loans are mine or applied for in my name by ex husband. Identity theft. Tried disputing with credit company but unable to. Loans are controlled by XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
STATEMENT OF FACTS REGARDING COMMONWEALTH FINANCIAL XX/XX/2020 I received notification about a new collection on my credit report, so I checked the report and immediately sent a dispute about the collection because I had no idea what this collection was about. 

XX/XX/2020 I received notification that my dispute had been updated, so I checked the website and they stated the debt had been verified and updated the debt collectors information. 

XX/XX/2020 I called Commonwealth Financial at XXXX to inquire. 
XXXX answered the phone and I explained that I disputed the charges and XXXX XXXX ( original bill producer now XXXX ( and many other names used by XXXX XXXX ) ) has no right to try to collect the debt due to timely filing rules being violated, therefore forfeiting their rights to collect. I told XXXX that I will be sending them a letter, asking them to stop collecting on the invalid debt ( timely filing for NYS is 90-days ). 
I told XXXX that I had never received a letter from her company notifying me of the debt before it was attached to my credit report on XX/XX/2020. XXXX told me that they sent me a letter XX/XX/2020. 
The date of service for this collection is XXXX ( over 5 years after service I am now learning of this debt owed ). 
I called back and spoke to XXXX, I requested that they send me another letter, since I did not get the first one. 
I called back again and asked XXXX to verify my entire address to make sure they have my address correct, which he did verify, and he also verified that they will send me out a copy of the letter. 

XX/XX/2020 Called Commonwealth Financial again spoke to XXXX, asked if they resent me the letter that I requested, and she told me that they requested an itemized statement, which takes a little longer. I XXXX that I did not request an itemized statement, I requested that they resend the letter from Commonwealth Financial, the one that they supposedly sent me on XX/XX/2020. I informed XXXX that the reason I want the letter from Commonwealth Financial is to confirm they are licensed to collect in Tennessee, and normally the letter would tell me that I had 30 days to dispute the claim for debt. By XXXX 's testimony, they did not send the letter until XX/XX/2020, and they attached it to my credit on XX/XX/2020 ; they did not give me 30 days to dispute regardless of whether or not I received the letter ( which I did not ). XXXX then informed me that she told their legal department about my request for the letter. Nothing else was said other than XXXX informed legal about my request, so I informed XXXX that is exactly what I wanted. I inquired about Commonwealth Financial license to collect in Tennessee and the legality of their actions in whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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 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. DPTEDXXXX  XXXX {$820.00} US DEPTED XXXX {$820.00} USDEPTED XXXX {$820.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
because of the pandemic, which resulted in a lockdown of the ecnomy my wife was furloughed from her job and my XXXX a XXXX XXXX XXXX was crippled all non essential workers was barrred from leaving their homes.So we made our XXXX mortgage payment and then opted to use the forbearance provision of the Cares Act as we applied for unemployment insurance to help with household expenses.It took 5 to 6 weeks before we heard from the state due to the backlog and faulty system.When opting in the agent for the servicer explained to me that before the initial 90 days period ended if you needed more time to call and communicate that to them which I did and even went on line to fill out the request on their website.in response I got a form outlining a loan modification, something I never asked about or mentioned the days we have under the Cares Act for forbearance have not been exhausted and we are hoping things will turn in the right direction soon.In the meantime Florida where we live has become the epicenter of the virus we need more time because of the uncertainty of maybe a full shutdown again we want to be treated fairly according to the Law.I feel they are trying to pressure us into agreeing to something we do not want.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: MI

Complaint narrative:
I bought my weather tech mats from XXXX. XXXX sent me the wrong mats, I tried to dispute the item with Citibank. XXXX first told me that I didnt have to send the mats back. When my provisional credit was declined, I called XXXX. They said Citibank has already debited them and they have no recourse. I thought I should just send the mats back. XXXX got the mats on XX/XX/XXXX. I have called Citibank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and was told that I can not get my dispute resolved. I also emailed XXXX XXXX response unit on XX/XX/XXXX. I then mailed a letter to their executive response unit on XX/XX/XXXX with all the proof that XXXX doesnt have the funds. The funds are with Citi. I have emailed and called Citi here in XXXX and finally talked to somebody in escalation today-XXXX XXXX who wouldnt let me talk to a Manager since she was a highest person I could speak with and will take 13 calendar days to get back with me. I told her I will file a complaint at this point. Attaching all proofs!

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